davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-01
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. (TX)

XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$8800.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$8800.00} Date OpenedXXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$5600.00} written off. {$5600.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$5600.00} Date OpenedXXXX Dispute XXXX XXXX   XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$1200.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$82.00} written off. {$81.00} past due as of XX/XX/XXXX. 
Account TypeUtility Balance {$81.00} Date OpenedXXXX Dispute XXXX XXXX XXXX   XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX XXXXXXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$1900.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX CT SPRING, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY GEORGIA XXXX XXXX, XXXX
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (CA)

I paid off an XXXX XXXX XXXX debt with XXXX XXXX XXXX in 2022 and I have a letter stating such. 
The account was settled in full for less than the original amount. 
The bad debt has been sold twice to other collection companies. This is unfair. 
Radius Global Solution is trying to collect something that was already settled in full.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I believe compliance with FCRA 605B mandates the elimination of erroneous accounts from my credit report. Could you kindly verify the documentation? Several of the stated accounts exhibit inaccuracies in their reporting.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XX/XX/2002, i sent a letter to XXXX, XXXX and EXPERIAN advising them to remove inaccurate and incorrect information from my credit report, they have yet to do so. 



The credit companies are not complying with their own policies in a timely manner.
Consumer complaint received 2020-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am a victim of identity theft. I submitted dispute letters to XXXX, XXXX, and Transunion notifying them of the accounts that did not belong to me 60 days ago on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting. I request that the misleading information is deleted and a corrected credit profile is supplied to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, I request that the bureaus please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law the bureaus had thirty ( 30 ) days to complete your re-investigation, yet they have failed to respond. Flexibility was given and I allowed 60 days. Do not delay any further. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TX)

I had contacted Wells Fargo Credit Card Services for my XXXX XXXX card on XX/XX/2020 when I went to make a payment on my credit card that I saw my card balance was extremely high and there were four fraudulent charges that I did not authorize. Two back to back charges with XXXX XXXX on XX/XX/2020, for {$450.00} and {$120.00}, respectively. Then there was another charge on XX/XX/2020 for {$100.00} at target, and finally on XX/XX/2020 a charge of {$220.00} at a vendor that says XXXX XXXX. 
I was on the Wells Fargo Payment assistance program for my credit card payments prior to all of this, since I had still been out of work due to COVID and have been very frugal in spending, having not used the card for months during this time period. 
I called them on XX/XX/2020 to make them aware of the fraudulent charges and to let me know what I could do, they said they will help take care of it. Fast forward to XX/XX/2020, I see a balance transfer and Wells Fargo put all of the fraudulent charges back onto my account saying that I am liable for them when I never authorized the charges to begin with.
Consumer complaint received 2022-11-09
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 (MA)

Since the end of XX/XX/2022 I have been trying to get Hyundai Motor Finance to transfer my title from state to state and for nearly XXXX months they have failed to do it, and at every step they have given me conflicting information or missed their own deadlines. 

XX/XX/XXXX- XXXX sent from insurance company to XXXX ( and they claim it was never received ) XX/XX/XXXX - Three-way phone call initiated by insurance company with myself and XXXX to confirm where to send letter again. Was told to fax XXXX. Spoke with a XXXX at XXXX and insurance company faxed it to XXXX XXXX times while we were all on the phone. No confirmation was ever communicated to me that it was received XX/XX/XXXX - Faxed another XXXX times by insurance company. Was escalated and told to email XXXX with the letter from the insurance company XX/XX/XXXX - XXXX with XXXX at XXXX around XXXX. Was told titles department received documents on XX/XX/XXXX. XXXX said it would take XXXX days to process and send to insurance company. Was never completed XX/XX/XXXX - XXXX week pass and the form was never sent. I call and was escalated to a XXXX, a supervisor at XXXX. XXXX submitted an official complaint and work order to complete the title transfer. I told her that I was going to start getting parking fines because of out-of-state license plate/title. XXXX said I would hear back from the escalated service people in XXXX to XXXX days. I stated that I would take them to court for daily fines XX/XX/XXXX - Received phone call from XXXX XXXX at XXXX at XXXX. She told me the the title would be sent to insurance company " by Friday [ the XXXX ] or no later than Monday [ the XXXX ] '' XX/XX/XXXX - Spoke to a XXXX at XXXX and was told it would be sent out the XXXX. He escalated me to XXXX, who was rude and dismissive of my concerns. He stated that titles are sent out " only on Tuesdays and Thursdays '' and this would be sent to insurance company on Thursday, XX/XX/XXXX, which contradicts the information I received from XXXX. 

This is the single most frustrating encounter I've ever experience with a company. I am beyond frustrated and it's starting to cost me real money. I just want to register my car in my new state and XXXX and a half months to complete this transfer is entirely unreasonable and borderline unethical.
Consumer complaint received 2020-10-01
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. (GA)

XXXX ; Experian and XXXX are failing to report the following accounts are in fact In Dispute. XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; and XXXX partial account number XXXX. XXXX is failing to report the following account is in fact In Dispute. OTHER COLLECTION AGENCIES partial account number XXXX. ( Please see pages attached from my credit report. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I have applied for many credit cards and no one will give me a chance because I have no credit history I have an amazing credit score well did before all the places checked it. Im asking how to change this and how I can get someone to give me a chance?
Consumer complaint received 2023-01-10
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: Experian Information Solutions Inc. (TX)

In accordance to the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under federal codes & regulations : 15 USC 1681 & 15 USC 6802. 16 CFR Part 433, 16 CFR 660.3, and 16 CFR Part 313. 
Account name : 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 All the corporations above are in violation of my rights. Please reference the relating federal codes & statue regulations below : 15 USC 1681 section 602 ( A ) section states : I have the right to privacy.

15 USC 1681 section 604 ( A ) ( 2 ) section states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : No consumer reporting agency can make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) section states : 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.

15 USC 6802 ( A ) section states : A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information.

16 CFR Part 313.4 states : You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to consumers.

16 CFR part 313.7 states : You are required to provide an opt out notice. The notice must state : that you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party.

16 CFR Part 433 states : It is an unfair or deceptive act or practice for a seller, directly or indirectly, to : take or receive a consumer credit contract that fails to contain the following provision : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

16 CFR Part 660.3 ( A ) states : Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities.
Consumer complaint received 2024-03-19
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. (WI)

DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION REPORTING IN XXXX, XXXX AND XXXX, THE ISSUE REMAINS UNRESOLVED AS TO DATE. 

XXXX REINSERTION OF PREVIUOSLY DELETED ACCOUNT : XXXX XXXX - XXXX XXXX : The following personal information are incorrect : Incorrect DOB - XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXXXXXX - This in incorrect. Please remove this immediately and only report accurate information. 
This account is not mine : XXXX XXXX - XXXX TRANSUNION XXXX The following personal information are incorrect : Incorrect Name - XXXX XXXXXXXX XXXX This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
This account is not mine : XXXX XXXX - XXXX
Consumer complaint received 2022-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (FL)

SN Servicing Corporation is forcing me to add to their name to my XXXX XXXX policy as payee or forcing me to pay an incredibly high insurance for hazard coverage. I already have hazard coverage through both my XXXX XXXX XXXX and my own condo insurance through XXXX XXXX. 

I believe SN Servicing is incentivizing condo homeowners and XXXX to commit insurance fraud by requesting to be illegally added to XXXX XXXX XXXX and deceptively forcing homeowners to pay high insurance fees if they are not added. Their practices are unfair and predatory.
Consumer complaint received 2022-11-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (MI)

15 U.S. Code 1662 - Advertising of downpayments and installments ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount THIS APPLIES TO ALL CONTRACTS PLEASE CREDIT ACCEPTANCE STOP CLOSING OUT COMPLIANT, AND STOP LYING TO THE CFPB BECAUSE OF YOUR BIG NAME!! YOUR NOT INVESTIGATING ANYTHING YOU CONTINUE TO Wow cause a racketeering on my credit report. As you know under no circumstances is money supposed to be mix with a credit transaction please explain as to why this doesnt apply to the contract.
Consumer complaint received 2017-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX of this year I opened an account with Bank of America and only used the account for my personal use no direct deposit thank XXXX but my friend would send me money from time to time so would n't have to deal with XXXX XXXX or XXXX.So as of the XX/XX/XXXX of XX/XX/XXXX I could n't use my online account and called and found out it was a hold on it and was told to give me the risk management department which was no help cause they could n't tell me XXXX only saying that the bank decided to close the account and it was being reviewed like all accounts do which is a bunch of bull cause if there was an issue most banks will call you or give you a heads up they did n't and not only that there is over 2000 dollars in the account and on the day they closed it they allowed my friend to put in a deposit that day which why would you do that if the account was being closed? Sounds like extortion to me and that they trying to keep my money.Then they tell me that they have to put in a request for me to even get my money really it 's MY MONEY not theres.People use banks to hold there money not the other way around they are the biggest crock of XXXX I know cause at the end of the day I need my money back they had absolutely no reason to close it period and if there was an issue why allow me to open an account anyways.But as I can see this is there practice and then they act like they ca n't tell you anything man bunk that I want my money like now cause they are the biggest crooks ever and I will keep making noise until I do get it back and get some real answers.Cause this is not right and a big XXXX fraud XXXX thieves and liers.
Consumer complaint received 2022-09-21
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Date XX/XX/XXXX
Consumer complaint received 2020-10-01
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. (TN)

Hey, My name is XXXX XXXX. I have a huge problem that I am hoping you can help me solve. I have disputed with the credit bureaus and the collection agencies and creditors multiple times because they are reporting negative inaccurate information on my credit report. They are refusing to remove this information even though I have shown valid proof that it is not 100 accurate according to the FCRA.

Please remove these accounts from my credit profile because they are not 100 accurate and it is causing me a great deal of harm.
Consumer complaint received 2020-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME AND IS NOT IN CONNECTION WITH ANY TRANSACTIONS MADE BY ME. PLEASE RE-INVESTIGATE THE ACCOUT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Early Warning Services, LLC (WA)

Received a check from XXXX XXXX Customer Remediation ( XXXX ) XXXX. XXXX XXXX, XXXX, OR XXXX ; Dated XX/XX/2020 ; scan bar with XXXX It had old accounts on there which XXXX XXXX Closed , but now is apologizing for with a check for me in the amount of {$150.00}, which I ripped up of course, due to XXXX closing my account for no reason in the first place. 
It states that XXXX XXXX has requested an update to my Early Warning Services consumer report so that it does not reflect that my deposit account was closed due to the hold. Total hogwash. 

I will gladly mail you the letter and check.
Consumer complaint received 2020-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

Dear Sir I received a letter in the mail from this company called XXXX XXXX XXXX, and Convergent Outsourcing inc for a debt. They say I owe XXXX dollars for a debt they are trying to collect. The reduced amount is XXXX to settle the debt. I lived in the XXXX XXXX XXXX XXXX for 31 years I paid my bills on time I am a veteran and I worked for the XXXX  XXXX   XXXX XXXX  for XXXX years and the monitored my debt activities and I had to keep my bills paid on time so t could keep my job with the XXXX. I paid my home loan with XXXX  XXXX XXXX and auto loan with XXXX XXXX bank. I kept my credit monitored back XXXX XXXX because I was a victim of credit fraud. And the XXXX  offer credit monitoring for employees. This letter I received in the mail from them on XXXX/XXXX/2020.