davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA (NJ)

XXXX Dear Sirs and Madams : Hope you're well. I had a XXXX lease for a XXXX XXXX XXXX that matured in XX/XX/XXXX, at which point, I returned the car. I ended the lease with a flawless payment record. At some point, over a year later, I noticed that the XXXX account had been reporting as late and a charge off on my credit profile with the three major bureaus - XXXX, XXXX and XXXX - for 14 consecutive months ( XX/XX/XXXX XXXX XX/XX/XXXX ) (!!!! ). I immediately inquired about the derogatory remarks by contacting Hyundai ; Hyundai stated that there was an unpaid balance, perhaps for damages. Hyundai also mentioned that they would fax me an invoice. Unfortunately, I had never received any invoice at all from Hyundai after I returned the car in XX/XX/XXXX and I didn't receive the promised fax after I called Hyundai about my credit profile. Finally, I managed to obtain ( through my own efforts ) an invoice for post-lease charges and I paid the balance immediately. 
The fact that I did not receive an invoice from Hyundai for the post-lease expenses until I called them over a year after I returned the car, is now causing 14 lates and a charge off status on my credit profile through no fault of my own. Due to the fact that a post-lease invoice never reached me, makes the negative remarks and charge-off status on my credit profile misleading and untruthful, despite the protection offered by the Fair Credit Reporting Act. There must be policies against such unfair business practices. My Hyundai account should rightfully reflect the flawless payment history that I maintained for the life of the Hyundai lease, without punishing me for the fact that Hyundai failed to inform me of post-lease charges for over a year, and which I paid immediately upon obtaining through an invoice through my own efforts. I have contacted Hyundai credit dispute department by mail and received an unacceptable, canned letter in response not even recognizing what had actually happened.

Please let me know what can be done to restore my credit worthiness.
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One/Saks Fifth is acting unreasonably as it relates to the one late payment in XX/XX/2019 which was the only during the life of the account due to financial hardship. I have made attempts to contact them via mail and phone without resolution. I am being told different things about goodwill adjustment and nothing is clear. I want the 30 days late mark removed from credit report.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX US DEPT ED XXXX XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX US DEPT ED XXXX XXXX
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XX/XX/XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX US DEPT ED XXXX XXXX
Consumer complaint received 2024-04-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (OK)

My homeowners insurance increased, so I changed homeowner insurance companies all the correct paperwork and documents have been I received a check from the previous homeowners insurance company, XXXX XXXX and deposited it into my escrow account and made my full payment to my new homeowner insurance company which is called XXXX. This should have brought my monthly payment back down to the preceding amount, but it has not, and the mortgage company keeps charging me the same amount as before and also I receive emails from them about my homeowners insurance has increased which prompted me to check with XXXX several times and they said that they have not increased the rate and that it is the same as it was, I do not know what is happening with the extra money or why they are charging me extra and I have sent several request in different departments and requested managers and escalations of the matter. I keep getting the same generic response and generic letters in the mail saying that they received the request and they are gathering information. I have spoken to people at New Rez mortgage in the insurance department, and they assure me that everything is correct with the homeowners insurance company that I have now, but my monthly payment still remains the same. I am also a XXXX veteran, and do not pay property taxes, and they have the documentation to prove that as well I am very disappointed with this mortgage company. You can never get anybody on the phone especially in the insurance department and just keep recycling you back to the main menu and you go over the same prompts over and over again.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have personal checking Acct ( ACCOUNT XXXX ) and DBA Business checking Acct ( ACCOUNT XXXX ) at CAPITAL ONE BANK. 
Account 1 had a balance of {$8300.00} Account 2 had a balance of {$5600.00} Total available at the Bank was {$14000.00}. ( Attachment 1 ) The Bank froze my accounts, denying my all scheduled payments- and claimed my Accounts were under investigation ( BY THE BANK. ) ( Attachment 2 ) They weren't forthcoming with any information even after in person visits or through phone conversations. Since XXXX XXXX. However, I could still review my accounts online. 
Suddenly, my online balance, went to {$0.00} and showed withdrawal. ( Attachment 3 ) Again I visited a Branch in person to find out where my money was, who did the withdrawal. The Bank provided numerous and different places my balance money was sent to. the bank claimed my money was sent to Secret Service, FBI, IRS and finally SBA. No agency had a report of the money. 
On XXXX I received a Letter dated XXXX that the Bank CLOSED my account and WOULD BE SENDING CASHIER 'S CHECK. ( Attachment 4 ) As of XXXX NO CASHIER '' S CHECK has arrived. I have contacted Bank on several occasions and again been told- " It was sent to SBA '' however, SBA hasn't received any CHECKS from the Bank . 
CAPITAL ONE BANK HAS BASICALLY STOLEN MY MONEY! I tried filing a Police Report for my money but XXXX County Sheriff Office refuses to write it up. 
RESOLUTION BE PROVIDED MY {$14000.00}. STOP THE ABUSE/THEFT FROM THIS BANK.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The XXXX  XXXX accounts XXXX, XXXX, XXXX. Were all settled on or before XX/XX/2021. These accounts are still showing open. They must be marked closed and paid. 

Additionally XXXX  account [ XXXX XXXX ] .. XXXX has been setled and need to be reported as paid as agreed /no balance
Consumer complaint received 2021-03-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Account Control Technology, Inc. (NH)

My phone number is XXXX XXXX XXXX XXXX. I was given that number 20 years ago as part of a family plan under my parents. That number has not been associated with my father in any other manner, and has not been a part of a plan which includes his phone number in over 15 years. However, I have received repeated phone calls from Account Control Technologies asking for my father, whom I am not in contact with. I have repeatedly told them they have the wrong number, and they have repeatedly continued to call after assuring me my name would be taken off their list. While I find their phone calls irritating, the bigger issue that I have is that by calling my number and asking for my father when they are clearly a debt collection / reconciliation agency they are disclosing or indicating that he is in debt, which should be his private information. They also continually call from variations of the same number, thereby making it impossible to block the number. I think they should be aware of this breach of privacy as well as the fact that they should stop calling me. They're also very rude and abrasive once told that they've called before.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In Accordance with the fair credit Reporting act XXXX XXXX Account Number XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 USC 1666B A creditor can not treat a payment on an account under an open-end consumer credit plan as late for any purpose. 

15 U.S Code 1681a- Definition ; rules of construction- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I requested the removal of inquiries that I did not solicit or authorized and I was told that they were facts of records and that they were permissible records. 
The following inquiries I did not authorize/solicit or give permissible authorization to access my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XX/XX/XXXX. & XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have disputed several times about the derogatory marks on my reports which include XXXX  ( XXXX XXXX in the amount : {$670.00} and XXXX XXXX in the amount : {$560.00} ) XXXX  ( XXXX amount : {$670.00} ) and Experian (  XXXX XXXX XXXX in the amount : {$660.00}, XXXX   XXXX  in the amount : {$670.00}, XXXX XXXX in the amount of {$560.00} and XXXX XXXX XXXX in the amount of {$470.00} ) .I have also disputed with the furnishers by sending in affdavits in reference to the FDCPA section 1692g and 1692e.I never received any information.This is violation of the FCRA reporting false information with no proper verification.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am a XXXX citizen who moved the XXXX to XXXX university in XXXX and have lived full time in the XXXX from XXXX to XXXX. 

It is XXXX now and am returning to the USA and have been offered a position in the finance sector. The employer has processed a background check for me including pulling my credit report of which i have had no need to check as I have not needed to use my credit.

It has been discovered that I have two fraudulent credit card accounts opened in my name from XXXX, 2 years after I had already begun to live in the XXXX. One of the cards had been used up until XXXX and the other up until XXXX before being charged off and transferred to a company called XXXX XXXX XXXX. 

Acct XXXX Balance {$2200.00} Open date XX/XX/XXXX Charge off date XX/XX/XXXX Capitol 1 Acct XXXX Balance {$3500.00} Open Date XX/XX/XXXX Charge off date XX/XX/XXXX I can attest that these are not my accounts and that I had no knowledge of opening them or using them to my benefit. These are fraudulent credit card accounts and would like them to be removed from my credit report immediately
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed several times about the derogatory marks on my reports which include Transunion ( XXXX  XXXX  in the amount : {$670.00} and XXXX XXXX in the amount : {$560.00} ) XXXX  ( XXXX amount : {$670.00} ) and XXXX  ( XXXX XXXX XXXX in the amount : {$660.00}, XXXX   XXXX  in the amount : {$670.00}, XXXX XXXX in the amount of {$560.00} and XXXX XXXX XXXX in the amount of {$470.00} ) .I have also disputed with the furnishers by sending in affdavits in reference to the FDCPA section 1692g and 1692e.I never received any information.This is violation of the FCRA reporting false information with no proper verification.
Consumer complaint received 2022-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central States Recovery, Inc. (KS)

Central States Recovery claims I owe 2 separate medical accounts. One for {$390.00} and one for {$52.00}. At the time they contacted me I immediately disputed the accounts for two reasons, I should have no balance with the office where I was seen as I was a cash pay patient and paid upfront upon arrival for all services rendered in the building including the separate account they claim I owe for {$52.00}. The second reason would be that the doctor I saw was on an emergency basis and he also completely XXXX me due medical negligence and I have sought legal assistance in the matter, have needed to switch law firms and yet am still within the statute of limitations for bringing action against said doctor. However instead of verifying the account and proceeding with the matter in a professional, legal, and productive way, as punishment for requesting validation and proof of how I could owe this money they claim, they immediately reported these accounts to XXXX, XXXX, and XXXX. They also do not have them reported as medical. When they first contacted me, I requested validation of the debt in writing and they failed to do so within 30 days or at all. I then requested an address at which they can receive certified mail so that I can have additional proof their company received my correspondence and they would only give me the address of a po box . I did send them an extensive request for validation as the amounts have already been paid, I also sent it with proof you sent service from the post office. I did this multiple times and have never received the requested validation and as such they continue to report monthly to XXXX, XXXX, and XXXX. They have allowed for me to dispute this information but instead of sending me the validation I requested via mail they continue to report this information as accurate. There have been multiple violations to my rights as prescribed by FDCPA, and all of my reasonable attempts which have been on a recorded line personally and or fully documented have been met with counter attempts to handle the matter reasonably or by law. As such they have destroyed my credit and continue to do so as these are genuinely my only negative accounts listed.
Consumer complaint received 2019-12-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

Yesterday I submitted a complaint about this company because of a bill that was sent to collections by XXXX XXXX XXXX  XXXX. Today that I managed to contact CSA Inc, they reported sending bills to my WRONG address, and that they called me. However, I never received any calls from them, and they also sent bills to a wrong address, or perhaps never sent it because I had mail forwarding. Now they say that even though I paid my debt, the derogatory mark will not be taken off my credit report.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

DataX is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.