davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: HYUNDAI CAPITAL AMERICA (HI)

We went aloha kia dealer and got a brand new car the sales man explained to us the car value which we new it was worth XXXX we agreed to getting the car for the XXXX and monthly payment of {$780.00}. So when we did the paper work he went over the charges as far as we know it was only one letter that was explained to us such we signed for the sales man made us sign the main contract first and after we sighned the main contract he made us sighn electronically on a blank white screen on his computer and was also rushing us to sighn the white blank screen because he said the screen will time out and he would have to dtart over which we were never acknowledge what was those signitures for so we went home and went over the other papers he put in the yellow envelopehe gave us with the main contract we had sighn which we knew the car was worth XXXX finding out wen we were going through the other paper he shoved in the yellow envelope we find out that the electronic signiture we had did on the blank screen was copied. And pasted on other documents that were never explaid or acknoledge for any reason we find out that the actual price for the car was not XXXX but XXXX we also seen that are signiture was copied and pasted on the a really important document that was never shown or explained to us such is the federal truth and lending disclosure we were never shown or explained the dealer accepted to unwind the whole contract but wen they came to pick the car up they wanted me to sighn a paper that was basically making me waive my rights and wen I told them that I wasnt gon na sign they decided to brake there promise to unwind the contract also the car only had 12 miles and now it has XXXX and it broke down it not useable
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

I have been targeted by some people they touch my app often over nine years now, I applied XXXX amex card last year or two years ago, last year through I spent and I have paid even I set to pay automatically, this people I feel like young bilingual and my origin is XXXX and somehow could be related to XXXX I guess, I am writing about my sense but often it is true. 
Anyway, I set auto pay, I often saw emails asking me to pay twice or third time in a month through last year. First I set to pay automatically even amount of spending was not much. 
Then I saw asking pay three or four times in some months, I went to app, auto pay was not set. It was not mistake but somebody touched the app. 
Next thing, I set auto pay and I paid, but after I paid twice asking me in a month, payment date somebody set but not by me. 
I was tweeting, actually those people touch my app and blogs and tweets over nine years after they were found as data frauds in XXXX XXXX XXXX XXXX team 2013. 
Then, it has been happening like that. 
Even XXXX account was touched by them when we were in need. 
Recently I had XXXX  XXXX and XXXX XXXX  cause a problem I treated me using deep skin moisturizer. It is not funny. 
Anyway, this is a problem it has been touched by someone, last thing,! ay XXXX, I paid to a, ex XXXX dollars, soon the payment was retuned without no reason then this XXXX Amex charged return fee to account XXXX dollars, this XXXX minimum payment tuned to be over thousands, it is fraud what the app workers do long years to my account. 
Is this fun? And I have been done by those people over nine years. 
As I am XXXX, I know some XXXX are very bad in XXXX, there are frauds a lot, when we can pay somehow, they have been doing might be fun to do this kind of bad behaviors over nine years but they are real data frauds, they make up reasons much often, so my claim it has been neglected and ignored I think. 
Recently my husband was called by even frauds.I cutout though. 
Shroud those all, they will see what they did thing caused their serious problem. 
It could be natural sanctions it could be something else. Sorry about those very dishonest people. 
Apparently this kind of bad thing they wanted ask me over thousands rather than XXXX dollars in one time payment, Look at that dirty bad workers are they operated USA or XXXX? 
Why targeting me? 
XXXX owns Amex or XXXX problem? 
What else? 
At least, XXXX XXXX and some other people have been targeting me since 2013, also this apps are on XXXX all. 
How long do I have to be done by those very bad people? 
Who could stop them?
Consumer complaint received 2020-03-16
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. (CA)

I applied for a loan today XX/XX/2020 because I was laid off of work and I need to pay a few bills but I was not approved. The reason why they couldn't approve me is because there were a number of negative accounts appearing on my credit report ; I looked through each account and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open them on my behalf. I did not benefit anything form all of these accounts being open in my name such as money, goods, services or an other benefit nor did I ever make any payment towards any of these accounts. I do not have any written or verbal contract with any of these companies and I never gave them access to my credit information. I have already filed a police report and a complaint with the CFPB regarding all of these unauthorized accounts on my credit report.
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/21 Bank of America called me to say there was fraud on my account. From bank of america 's number exact number XXXX. They instructed me to move XXXX $ to myself via XXXX and on my own phone number so they could open a new account and refund the charges from XXXX due to the fraud. Once i did it, they hung up. I called bank of america back and they said they never called me. They said it is not covered or insured because it was not fraud it was a scam. The person called me from the bank of america number! and sent me the exact bank of america texts! They knew all of my bank information! It was exactly like a bofa fraud call. Now i am out {$3500.00} and bofa wont replace it.
Consumer complaint received 2021-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have an XXXX XXXX account showing on my credit report. This has been on my Transunion Report since XXXX. I have since disputed this with BOTH companies. 

In XXXX, I filed a complaint with XXXX XXXX and they told me that they have removed this incorrect information from their end. 
However, this still persisted to appear on my Transunion credit report. I filed another dispute with Transunion ( have done it twice now ) and the results always come back suggesting that it is indeed my account. I have NEVER held an XXXX XXXX card or account ever in my life so I am not sure why this is appearing on my account in the first place. 

I called XXXX XXXX again ( XXXX ) trying to check why are they confirming Transunion that I have an account with them. They ran my social security, my address, and my name and told me that they have nothing associated with that name, address, or social. 

I am not sure what to do.
Consumer complaint received 2021-06-17
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. (TN)

Good Day! I am writing to you guys due to some collection accounts that I never opened that are reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (NY)

ACCOUNT NAME/NUMBER : WESTLAKE FINXXXX XXXX XXXX {$31000.00} Dear TO WHOM IT MAY CONCERN, I am writing to dispute the presence of certain charge offs on my credit report. I believe that these charge offs have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX compliancy requirements. 
Specifically, I believe that the information reported by your agency regarding these charge offs is inaccurate, incomplete, and misleading. As a result, my credit score has been unfairly impacted and I have suffered damages as a result. 
Under the FCRA, it is your responsibility to ensure that all information reported to credit bureaus is accurate and up-to-date. Additionally, the XXXX XXXX compliance guidelines outline specific reporting requirements for charged off accounts, including the requirement to report the date of first delinquency and the date of charge off. 
Based on my own records, I believe that the information reported by your agency is incorrect and in violation of these guidelines. I have attached copies of my records to this letter for your review. 
I am requesting that you investigate this matter and correct any inaccurate or incomplete information in my credit report. 
Additionally, I am requesting that you provide me with a copy of the investigation results and any updates made to my credit report as a result of your investigation. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 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 XXXX XXXX TransUnion LLC 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 XXXX XXXX
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (CA)

WF CRD SVC Hard inquiry was ran without my consent on XX/XX/2024 XXXX Hard inquiry was ran without my consent on XX/XX/2024. 

I recently discovered unauthorized credit inquiries by the companies and I ask for an explanation at their earliest convenience.
Consumer complaint received 2024-04-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (GA)

I applied for a credit card with Discovery and they denied me due to my credit history. In accordance with 12 USC 412 the request for notes is discrimination and restraint of trade and conspiracy. Due to the fact that they violated the law I as the beneficiary has been denied my credits and have given my information in trust that is a violation. I want to know how much my application was ran for and how is it that I am not allowed my securities that I applied for. The fact that Discovery having my private information and reporting on behalf of me without my consent they are holding my securities and my credits and I'm not benefiting in no type of way. I want to know how much the maximum amount of the application and who allowed them the power of attorney to do this type of theft. They are causing harmful damages to me by they're actions and I'm not benefiting from any if this.
Consumer complaint received 2024-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

Disputed with XXXX and it says it's my account but I never lived in the area that the credit was open the address is not my address I have never lived anywhere but my home address nor have I ever Owen the phone number attached to account
Consumer complaint received 2021-06-17
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: AMERICAN EXPRESS COMPANY (CA)

I have an American Express account showing on my credit report. This has been on my XXXX Report since XXXX. I have since disputed this with BOTH companies. 

In XXXX, I filed a complaint with American Express and they told me that they have removed this incorrect information from their end. 
However, this still persisted to appear on my XXXX credit report. I filed another dispute with XXXX ( have done it twice now ) and the results always come back suggesting that it is indeed my account. I have NEVER held an American Express card or account ever in my life so I am not sure why this is appearing on my account in the first place. 

I called American Express again ( XX/XX/XXXX ) trying to check why are they confirming XXXX that I have an account with them. They ran my social security, my address, and my name and told me that they have nothing associated with that name, address, or social. 

I am not sure what to do.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: HYUNDAI CAPITAL AMERICA (CA)

XX/XX/21 Hello, my name is XXXX XXXX I had a problem with XXXX 's financial company, I was paying my car on time and they say no, I have the bank tests, confirmation numbers and documents that guarantee that I have paid correctly, they took my car early today, They give me information about the company they hired to take my car but I can not contact them, the financial company does not respond, my time, days lost from work, the exact information of where the vehicle is, my credit has been damaged and they They insist that the only thing they will do is return my car
Consumer complaint received 2020-03-17
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. (TX)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX 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 XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX 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 XXXX XXXX
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (NV)

SofiXXXX  I deposited a check from my work. And it declined I dont know why. It always does they would not cash it and said it violated skenthng. It said temporary hold. For a week and I be able to get my funds it's been over a month They will not provide me with any info. They won't let me talk to other departments they wont let me talk to management They are holding my money XXXX with against law They said there is no time take and that I may never get back They are rude and tell me I need to stop worrying about it
Consumer complaint received 2021-06-17
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: EQUIFAX, INC. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed