davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NJ)

Due to current market situation I decided to buy out my lease. I decided to go through my personal bank and obtain the loan. I mailed the check to Hyundai Motor Finance which was cashed. I called them almost a month after it being paid off with questions on why I havent received my title. They then told me I had to request the title to be sent out. I requested the title to be sent to my XXXX XXXXy address since it was more convenient at the time. I called twice to make sure the title was sent to my XXXX address and was assured that it would. XXXX month later still no title at my XXXX  address or XXXX address. They also told me that the title needs a signature or else they carrier will not deliver it which would then be returned to Hyundai and they can re send it. That never happened. asked Hyundai to escalate my case and have not heard from them since. They want me to mail them a letter with money in order for them to send me another title. Every time I give them a call, I get the run around and I am OVER IT. I need my title!
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-18
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. (OH)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX as well as XXXX XXXX XXXX ( XXXX  ) Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-11-25
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account.
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

I had an accident and was in hospital for XXXX .At some point I called Synchrony Bank to make payment and after s battery of questions was told that my account was frozen because I was noted to be deceased. I have since had my account active and made current payments but the negative reports to Credit Bureaus should be removed.
Consumer complaint received 2019-11-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: CITIBANK, N.A. (IL)

I rented a car, paid for the rental. A week after the car was returned and checked in with no issues, the rental car company charged the card again for a new transaction for {$110.00}. I tried multiple times to resolve this with Citi, but no one even looked at my complaint. The rental car company provided proof that I ordered and paid for the rental car, which was the authorized transaction not in dispute. They provided ZERO evidence that a second transaction was authorized on a different day or that this charge was valid under the previous contract, which was closed at the time of the charge. This additional unauthorized charge was fraud committed by XXXX. I later found out they have a horrible reputation for doing this. Citi made no attempt to communicate any reasoning behind why they kept refusing to honor my fraud claim. Very poor customer service and a joke of a dispute process.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CA)

The mortgage loan was sold several times last year when I feel behind due to an job injury and I was on XXXX. My current mortgage lender consistently records my payments as XXXX days late, when I am not. I have been caught up on all my payments for the last 6 months but they are still recording errors and they wont change them. If I dont pay my mortgage by the end of each month before the 1st, I will get a notice from he following week, along with a credit counseling package stating that I am now past due. I have until the XXXX of ever month to pay my mortgage until i am technically late, so I shouldnt be receiving any threatening phone calls or debt packages until then. They also dont update their entries to the three credit boards in a timely manner. My credit profile still shows that I am delinquent when my account is current. I have filed numerous complaints with the 3 credit agencies to correct the information but my lender will report that its correct per the FCRA. Which it is not! This is effecting my credit score. I wont to stay current so I can refi my loan and switch to a better mortgage lender!
Consumer complaint received 2019-11-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MO)

I have discrepancies showing on my report. 
XXXX XXXX XXXX '' XXXX '' XXXX shows account listed as " Charge OFF '' and XXXX shows account as " Collection ''. 
Midland Funding XXXX account is listed as " Charge OFF '', XXXX " Collection ", and XXXX   " Collection ''.
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (SC)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (MD)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the XXXX credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX PL XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5100.00}
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (IL)

This is the several times I've complained about being a victim of identity theft. Experian, XXXX, and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (AR)

They are unable to follow instructions. My husband got an unknown number call from them ( he is not even listed on this account ). They called late on Friday and gave a number that they do not answer. 
They need to call the number listed on the complaint with a listed number ( so it will get answered ) and if needed leave a number that will get answered when I call back.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

We have been trying desperately to contact Experian and any of their live representative because my credit report is wrongfully somehow " frozen ''. However, I log-in to my Experian account online to ensure it is " unlocked and unfroze '' and also called the and Experian " chatbot '' electronic answering machine already confirmed that my credit report is " unlocked '' and " unfrozen ''. Which means if my report is " unclocked and unfrozen '' there should not be any problem why the mortgage company can not pull my report. 

The reason we are trying to make contact with a live representative is to find out in real time why my credit report is " unlocked and unfrozen. Myself and the mortgage company has been trying to call them ( Experian ) for the last two ( 2 ) weeks but each time we fail to talk to an individual representative to correct the problem and continue with the refinance process.
Consumer complaint received 2019-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (WA)

My mortgage loan has been sold " Caliber Home Loans '' to " XXXX XXXX  '' with service transferring XX/XX/2019. I received notification by mail XX/XX/XXXX from Caliber and haven't received anything from XXXX XXXX. What happened to at least 30 days notice? There wasn't any mention of informing the county or municipality where I live.
Consumer complaint received 2022-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Currently Mr. Cooper claims that I am missing a payment and continues to bill me for said payment. I have been charged at least ( 5 ) late fees of {$40.00} as well. 

My XXXX XXXX XXXX XXXX bill pay and checking account records clearly show that I have made every payment on time since I obtained the mortgage, as well as my {$490.00} additional payment for escrow shortage. 

This is the second similar issue ( the first was partially resolved ) of the same type. I have made all of my mortgage payments, and Mr. Cooper continues to misplace the money and negatively affect my account and credit score as a result.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. You have to follow proper procedures if these claims are in your system and to be used in my credit reports! 

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life.
Consumer complaint received 2022-06-05
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the fair credit Reporting act XXXX Account # 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

In XX/XX/XXXX, I disputed accounts on my credit report that were inaccurately listed with only XXXX and Experian. This has caused undue stress in trying to remove this inaccurate information. This information appears from XXXX and keeps reappearing as a collection with a past due amount. 

In accordance with the fair credit reporting  XXXX XXXX XXXX account # XXXX and account # XXXX has violated my rights, which state that negative and outdated information can not reappear after it is found to be fraudulent and not validated.

15 USC 1681 section 602-A states that I have the right to privacy.

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent.

I demand that these accounts be removed from my credit reporting file.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (DC)

I purchased a used car ( my first car ), I was scammed. The vehicle broke down on me and the company I brought it from wasn't trying to help at all. I was charged XXXX for a used XXXX XXXX with XXXX miles on it. I had no clue about buying cars. I kept trying to refinance and no one not even credit acceptance would refinance. The car ended up breaking completely down. I willingly told them to come get the car, after I had already paid it down to about XXXX. They took the car and resold it for ( how much I don't know ) but they never took that balance off my loan. This was in XXXX. Here we are in XXXX and this company is still falsely reporting to the credit bureau that I'm missing payments. They closed the loan every time I call and have my lawyer call and then reopen it and say I'm missed a payment constantly damaging my credit. They have been doing this for years. It has to stop. I never agreed to another payment against after I have the vehicle back and they are constantly reporting false information to the credit bureau.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/23, I clicked on an ad for XXXX magazine. The offer was for {$20.00}. I was charged {$49.00}. I asked for a refund. The company sent a full refund. Wells Fargo only credited me {$29.00}. I have called twice and they will not help me. Wells Fargo is committing fraud by keeping the {$20.00}.
Consumer complaint received 2019-11-30
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: CORELOGIC INC (GA)

I want to report that a fraudulent account is in my credit report, in the pass I had been victim of data breaches in the web, please help me so resolve this issue, I'm sending my ID and SS card as well as FTC report and a Police report to validate my claim.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Continuing to report false inaccurate information. and refuse to correct, inaccurate total amount owed between CRA 's and the original creditor. Never sent my 1099. I demand this account be updated to paid in full on time as agreed.