davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (GA)

Hello, We are writing you all as very frustrated customers of Hyundai Motor Finance ( Also known as 'Hyundai Capital America ' ). On XX/XX/2018 I ( XXXX XXXX ) made several call to your customer service department regarding making a payment on my account. At the time I had a total balance due of {$510.00} which included my monthly payment plus late fees. I spoke to the representative on the phone and she informed me all I had to at least pay my normal monthly payment of {$490.00} and I could pay the late fees with my next month bill. Never was I told that if I did no pay the extra {$18.00} that I would still be considered past due. Well, because I was given inaccurate information I carried a balance into XX/XX/XXXX and it was reported on our credit report as 30 days late. This is very upsetting to us because if we were aware of the consequences of paying {$18.00} short we would've made a full payment at that time. Now, our credit scores have dropped drastically and it could prevent us on purchasing our first home next month. We are writing you all to see if there is anything that can be done and this negative reporting be corrected. We do not think it is fair that we are being punished because of an employee error. 




Thanks XXXX XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2022-03-08
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. (PA)

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2005 Balance Owed : {$78000.00} XXXX XXXX XXXX Date Opened : XX/XX/2005 Balance Owed : {$51000.00} XXXXT XXXX Date Opened : XX/XX/2005 Balance Owed : {$4900.00}
Consumer complaint received 2019-03-29
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: Experian Information Solutions Inc. (TN)

Last year on XX/XX/XXXX I mailed certified a follow up letter for not receiving my credit dispute results for the previous credit report dispute. Experian received it on XXXX XXXX. I have not received and results on my follow up letter. On XX/XX/XXXX I mailed certified credit disputes to Experian. They received the letter on XX/XX/XXXX. I still have not received any dispute results and it has been over 30 days. Every time I called I am transferred to the special service department. When I ask why am I always being transferred to this department, they tell me its confidential and they cant discuss that with me. This is ridiculous. I should not have to consistently call to get update and be turned down because the special service worker on my case wont return my call back. Just send me my dispute results and we wont have a problem.
Consumer complaint received 2018-12-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Total Card, Inc. (NH)

My exwife received a call from XXXX XXXX from a woman named XXXX, she left a voicemail on her phone which clearly states her new married name, alos have to mention the cell phone they called is only 2 years old and was obtained by her after I opened this account has no connection to my account. She proceeded to say they were a debt collector and that I had until XXXX this evening to call her back or other action would be taken and that I would give up all my rights to dispute a voicemail that was saved. When I called I spoke with a Mr XXXX, supervisor and I advised him I had no idea what it was about as i never received a call or a letter from them notifying me of any debt. I explained that currently i am out of work and have mortgage, car payment etc. He responded by saying they should be a priority and offered to take payment now. I explained didnt have time to speak about this, to which he responded, WHY YOUR NOT WORKING YOU HAVE PLENTY OF TIME. I then tried informing him of the FDCPA and he said I was wasting his time and the only thing he would talk about would be a payment.
Consumer complaint received 2018-09-12
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Altisource Portfolio Solutions, S.à r.l. (AZ)

Frequent calls from same debt collection agency in early morning. All from a XXXX area code, but using different numbers every time. Listed as follows : +XXXX- XX/XX/XXXX XXXX   +XXXX- XX/XX/XXXX XXXX +XXXX- XX/XX/XXXX XXXX   +XXXX-XX/XX/XXXX XXXX +XXXX- XX/XX/XXXX XXXX Plus several additional calls during the day. Calls are from XXXX XXXX XXXX, based out of XXXX which is where I live so they know the timezone. Have sent cease and desist letter to no avail so far.
Consumer complaint received 2018-09-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/2018, Citizens Bank processed a DDA Debit for XXXX on my checking account for an offset for an old account that I had with them. However, since the sources of income for that account are Unemployment and Child Support, those sources are considered uncollectable and are exempt from debt and garnishments. They are refusing to return my unemployment.
Consumer complaint received 2022-07-08
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. (GA)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the Inaccurate information, inquiries and accounts that needs to be removed in my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX EXPERIAN XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-03-29
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. (NJ)

This is my second written request to verified accounts that appear on my credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this accounts on my credit or deleting of this accounts.This time an FTC complaint could be filed and is attached to this complaint. Thank you
Consumer complaint received 2018-05-01
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. (IL)

I filed bankruptcy and it was discharged 7 months ago. I reaffirmed on my loan with XXXX ( XXXX XXXX XXXX XXXX ). I have made payments the entire time along with their website showing payments continued from XX/XX/17 to current. I went to trade the car in yesterday and the dealer said all the bureaus are not showing that I'm making car payments on the loan in any of the car part of the bureaus. It shows that the car was included in the BK. It needs to show payment history. This needs to be backdated to show I have been making payments. Since I have been working hard to rebuild my credit this is the only thing holding me back from making the trade yesterday that would have paid XXXX off and made me non upside down. Great way to help me get back on track. All that hard work thrown out because someone is not reporting accurately.
Consumer complaint received 2021-11-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I had opened a dispute claim Case opened : XXXX. And it got denied basically over night. Within a few hours. I hardly think PayPal reviewed, investigated my claim in a matter of a few hours to deny my claim.
Consumer complaint received 2022-03-08
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. (MI)

I have been monitoring my report and I noticed that my credit score went down to 10 inquiries that I did nit authorize and it took my score down very low and It has impacted my life with added stress with the XXXX. I am really in the red zone right now and I do not agree with the actions taken
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (PA)

I have contacted XXXX, XXXX, and Equifax 6 or 7 times in the past few months challenging the 100 % accurate reporting as required by law of this account and each time they say its verified as accurate... i do not believe they are conducting a proper investigation,,,,,,, first off i dont even know where this account came from... .secondly it is duplicated on my report it is literally reporting twice... i have included a copy of proof... ..this is definitely a violation of my consumer rights
Consumer complaint received 2019-04-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

On XX/XX/2019 I notice a huge discrepancy in my XXXX account. An unauthorized transaction in the amount of {$2600.00} was taken from my account from XXXX. XXXX jacked up the price of the amount owed, this is not right. On top of that after they took the money from my account XXXX sent me another letter charging me late fees on a account that has been closed since XX/XX/2019. I contacted the bank to dispute this charge and also filed a CFPB complaint for the bank that's still pending. XXXX has been in contact with XXXX in regards to this transaction and refuse to refund my money/differential. I received a letter dated XX/XX/2019 from a IC Systems collection agency informing me that the XXXX account # XXXX in the amount of {$2600.00} was turned over to them. On a letter dated XX/XX/2019 I received yet another letter from the same collection agency offering me a settlement on this XXXX account for {$1800.00} I still though that was to high, but I was ready to accept the offered amount and move on. Also please note the collection letters have different amounts owed.
Consumer complaint received 2024-03-02
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. (GA)

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.

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 2018-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

On or about XX/XX/XXXX I had a Wachovia Bank Account. On a Friday that I moved, I gave the mover a post dated check and asked him to deposit it on Tuesday, as I had a lot of ATM transactions over the weekend and I would make a deposit on Monday. 

He cashed the check on Monday and because the bank withdrew the check first, they charged me about 10 overdraft fees for {$35.00} each. The check was post dated and it was cashed prior to that date. 

Now, 10 years later, I find out that the debt was sold and now they're after me. 

I am in hardship. I was in a shelter in XX/XX/XXXX and XX/XX/XXXX and I have not been able to find work. The little money that I make I give to my daughter who is allowing me to live with her. 

At the time that this occurred my daughter had just turned XXXX. I was a single parent her entire life. Her little life depended upon me. It prevented me from buying food and clothing for her and limited my ability to help her get off to college in NC. 
Also, I did not have a checking account until XX/XX/XXXX-XX/XX/XXXX because of this. I had to use greendot, etc. 

The bundling of fees is not okay. Additionly, I was a customer since XX/XX/XXXX and at several different points had over XXXX in the account and they were always charging me overdraft fees instead of taking the money out of the savings. This was an ongoing problem and I never disputed it, but rather paid it. 

I can not tell you how deeply devastating this was to me. I actually ruined my entire life!
Consumer complaint received 2022-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

I am sending this again because you think Someone else is doing this for me. No, Im doing this for me, XXXX XXXX. Except this from ME please. 
XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report, These items must be removed immediately from my credit report CFPB
Consumer complaint received 2019-03-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Offices Howard Lee Schiff, P.C. (CT)

On XX/XX/2019 they went into a bank account owned by me and took out money that my separated spouse owed in the amount of {$1600.00}. I have proved that the bank account was mine and he had no money going into the account and they are not willing to help me. I have spoke with them three times and told them he was on my bank account for our children.
Consumer complaint received 2022-02-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paypal Holdings, Inc (IL)

I received an email XXXX that I was being billed XXXX from a PayPal account a product of XXXX XXXX. I called them at XXXX and the man named XXXX told me someone in XXXX hacked my account. He wanted me to open my browser on my computer which I refused to do, He then stated I can't help you and hung up.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

I have repeatedly tried to obtain my credit report since XXXX of 2019 from Experian, Experian refuses to allow me access online, i have repeatedly tried to upload this information and repeatedly lost connection, i have repetedly mailed the info they have requested numerous times and they dont respond, Further there is no published phone number for this company that has a live person or a prompt to get to a live person ... However there appears to be a way to obtain it for {$20.00}! This is not right..being billed and made to jump through hoops for something that by law i should be able to easily obtain..
Consumer complaint received 2019-03-29
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)

I receive Experian credit Report of XX/XX/XXXX with many errors and Derogatory Remarks on my credit Report. 
XXXX XXXX XXXX Auto Loan # XXXX Derogatory Remarks of 30-59-60-90 days late of XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX and many other errors are not been deleted. 
I have marked all the errors and derogatory remarks. 
XXXX  already removed the Derogatory Remarks, of XXXX auto loan, but Experian and XXXX  hasn't remove it yet.Why? 
Also Experian has removed Bankruptcy from my credit report, but XXXX and XXXX hasn't remove it yet.Why? 

I also I was employed for XXXX XXXX XXXX XXXX XXXX XXXX, Ca.for 27 years and I retired on XXXX XXXX on XX/XX/XXXX.This error needs to be corrected as Experian has XXXX XXXX   XXXX. 

I respectfully need a expedited removal of derogatory of XXXX   account because I am going through a VA Loan and purchase process with XXXX XXXX and XXXX XXXX and derogatory Remarks and unauthorize hard inquiries are not allowing me to obtain a VA Loan as a XXXX XXXX XXXX Military Veteran. 
I am XXXX XXXX and Retired. 
I appreciate Experian, XXXX, XXXX support for our Military Veterans. 
With Respect and Honor Always!
Consumer complaint received 2021-04-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (NY)

I have an account with this bank and have managed to maintained it pretty well. I have managed to have no nsf 's. Up until recently when they added 2 nsf 's that were not my fault. I was educated that 1 was because I attempted to take out the entire amount in my account and upon me calling them they stated they would have charged me an additional {$10.00}, which caused it to be a nsf. Again that is not my fault as I was not educated there would be a {$10.00} fee for taking out the funds. Then the second time it was so that funds could be pulled from ally to my second account and it was returned as a nsf. These to incidents keeps me from qualifying for the overnight funds transfer. If you are able to investigate into this issue so that I could qualify then that would be great.
Consumer complaint received 2018-12-19
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. (WI)

I contacted all three credit bureaus through certified mail.To request an investigation and deletion of this hard inquiry on my credit reports from XXXX. That was over 90 days ago and still haven't heard anything from them. This hard inquiry has caused great hardship, stress, and has made my credit score decrease drastically which has prevented my from getting a home loan etc.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Our mortgage account was transferred from Bank of America to XXXX in XX/XX/2018. At that time we were 30 days late. The status for the Bank of America states it is PAYS 31-60 DAYS. This status is causing our credit report to show a current delinquent account. We accept that the XX/XX/2018 status should show 30 days late ; however, we respectfully request that this account be updated to show the current status is Closed or something to that effect. 

Ive added my full credit report as well as a screenshot of another account from XXXX XXXX that was late when it was paid off but shows that it is now closed. They just fixed it and it went from showing as a delinquent account to closed.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Since XX/XX/2021 I've sent multiple letters concerning the incorrect personal information that is reporting on my credit report. I have sent copies of my my drivers license and proof of address. I get no response from credit bureau and no change to my credit report.
Consumer complaint received 2019-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I noticed my Chase credit card account is closed when trying to use the card today. I was just able to use my card yesterday. 
I didn't receive any format of communication on the account closure prior to account being closed and caused me incredibly amount of inconvenience. 
I called to ask the reason why they closed my account and learned that they believe do not have enough credit information for me. But they approved me a card three years ago with even less information than today. So the reason doesnt make sense! 
I have a good credit score and 10 years credit history. Never late for any chase credit card payment. I found this incident very unjustified.