davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA (CA)

Through out the duration of my loan I made two payments, one approximately on the XXXX and one on the XXXX. In XX/XX/XXXX I began receiving calls from Hyundai Capital America stating that they had not received any of my payments. I explained to them on serveral occasions that I submitted payments. I also requested they document our conversations. In XX/XX/XXXX I noticed they began reporting late payments which was inaccurate. I called them and advised them and still no resolution. I faxed proof of payments and still no resolution. I then reported a discrepancy with the credit bureaus and they declined responsibility after I submitted proof from my back. I called them to question the dispute and they stated they have a section called care team that dealt with the disputes but I was not able to speak to them regarding my dispute. They failed to assume responsibility and have impacted my credit after I have tried to contact them via fax and submitted the proof.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I notified Transunion on XX/XX/XXXX that information on my credit report was inaccurate and that the furnisher never validated the information. I asked them to conduct and investigation and correct or remove the inaccurate information and they failed. They are continuing to report inaccurate information and refuse to conduct a proper investigation.
Consumer complaint received 2018-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

I was with Covered XXXX XXXX, under XXXX XXXX. 
Date of Services was on XX/XX/2017 and XX/XX/2017 and all the billing for year 2017 was covered under this plan. 
CMRE Financial and XXXX XXXX XXXX continues to send collection notices and has posted this debt on my credit report. 
This is bill is not due and should be removed from my credit report as soon as possible.
Consumer complaint received 2023-05-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

We received a check for XXXX from grandparents to help with some bills this holiday season as we have been struggling financially this month. While the banks are closed on the XXXX for the holiday we decided to go ahead and do a mobile deposit through our Chase app and figured it would be available in the next day or two, just as our previous deposits have. Yesterday ( XX/XX/XXXX ) I recieved a message from Chase stating a hold had been placed and funds would be available **XX/XX/XXXX** with no explanation. We decided to wait it out another day and see. Sure enough we woke up this morning ( XX/XX/XXXX ) and the check image was in the app just like others we have used the app to deposit before and it no longer said it was pending. But still the funds are not available with an ETA of XX/XX/XXXX. Still we wanted to give Chase the benefit of the doubt and wait a little longer. When XXXX XXXX  rolled around and the funds were still unavailable, I decided to call our local branch and see what was going on. After verifying our account information and recent transactions I was informed the check image was unavailable ( even though it very clearly shows up in the transaction record on our end ) and to check back tomorrow. So which is it, tomorrow or the XX/XX/XXXX? Never have we had such an issue using mobile deposit before, especially with our previous bank. In the meantime the utilities we were hoping to cover by now are now very past due and face being shut off. Thanks Chase. Happy Holidays.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

accordance with the Fair Credit Reporting act Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy These address do not belong on my credit report : XXXX XXXX XXXX XXXX NC, XXXX : XXXX XXXX XXXX XXXX XXXX NC, XXXX : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX NC, XXXX
Consumer complaint received 2023-05-22
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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  Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2019-04-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TX)

XXXX  XXXX XXXX has been harassing my family with phone calls related to my account. I have responded by mail to all of their print correspondence and have even sent in payments as a show of good faith that I am trying to resolve the matter. I wish to file a harassment complain against them in hopes of getting them to stop calling my friends and loved ones. 

I have their address listed as : XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2022-12-14
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. (MI)

To whom this may concern. I am writing this notice to dispute and remove some incorrect and erroneous items that are illegally reporting, and damaging my credit report. First and foremost, I would like to mention Public Policy HJR of XXXX a.k.a Public Law 73-10 which suspended the Standard and exempted US citizens from paying debts, so the provisions of this remedy considered all debts PAST, PRESENT, and FUTURE PREPAID. I would also like to assert the true fact that I AM A CREDITOR, and according to 12 U.S.C 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 15 U.S.C 1681 Section 604 A. also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.c 1681c ( a ) ( 5 ) section states that NO consumer reporting agency may make any following items of information any adverse items of information, other than records of convictions of crimes wjich antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( I ) states A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Listed below are the accounts that I DEMAND be removed IMMEDIATELY. 

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 2019-06-24
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: FIFTH THIRD FINANCIAL CORPORATION (TN)

In XX/XX/XXXX, I noticed fraudulent charges totaling approximately {$1000.00} on my 5/3 checking account. I alerted them and instead of closing/freezing the account immediately, they opened a new account, for which I denied a debit card because at the completion of the fraud investigation, I was intending to close all accounts with 5/3. The fraudulent charges were moved to the new account so that when the investigation was complete, they could refund me the roughly {$1000.00}. Their investigation indicated that the charges were in fact fraudulent charges and 5/3 refunded the charges to the new account in XX/XX/XXXX. I noticed that the initial account with the fraudulent charges incurred interest fees totaling {$1.00}. I called the bank and they adjusted the charges, acknowledging that they accrued in error and I would not be responsible for them. In XX/XX/XXXX, I received a notification from my credit monitoring company that my XXXX XXXX had dropped due to derogatory remarks due to a late payment of more than 110+ days. When I opened my credit report, I noticed that the charges were coming from 5/3, and that they had never submitted the proper paperwork to adjust the fees and have the incident removed from my credit report, as it was not a mistake or late payment on my part. I called 5/3 Bank immediately and spoke to the highest person I could get in contact with and was assured that they would submit the paperwork to have the error removed from my credit report immediately. In XX/XX/XXXX, a potential home lender pulled my credit report and enquired about the delinquencies. The errors are still appearing on my credit report. I need these to be removed so that my husband and I may receive the home loan for which we qualify for otherwise. 5/3 Bank has not attempted to remedy this, and I have filed two disputes in XX/XX/XXXX, XXXX with XXXX and one with Fifth Third 's Dispute Department, in addition to filing a dispute orally with the bank. One dispute that was filed n XX/XX/XXXX indicated that there was no error and my credit report would stay as is. I immediately filed an investigation and submitted an 8 page narrative along with bank statements as evidence that the error was made on 5/3 's part.
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

*****************************NOT A DUPLICATE************************************** Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with XXXX XXXX XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX XXXX. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.
Consumer complaint received 2019-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

Keep getting repeated robot calls from this company, Convergent, all hours of day and night. The problem is that I am not XXXX?? and do not have any bad debt.. My FICO score is XXXX and no bad credit on my file for over 30 years. The calls keep asking for a XXXX?? ( can not spell the last name ). I have called them and asked them to remove my name from call list as there is no XXXX?? at this number. They promise to do so, but calls continue. Latest call was this morning at XXXX XXXX. The number that called was from XXXX, but called ID states it is from Convergent. I have also gone to their web site and filled out the form to stop the calls, but they continue this harassment. Wish the CFPB could help me.
Consumer complaint received 2019-06-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bankers Auto Acceptance (CA)

In regard 's with the Loan with Time Finance Company, I've had issue with balance and the amount due. Current I was paying {$250.00} a month, until I was late one payment that was due on XXXX of the Month. I reach out to the company and I've had rude customer service with XXXX and XXXX from the company. I've asked for the pay off of my vehicle and I was denied to know the remaining balance. I was told in order to know the pay off balance I would need to pay off the past due balance. I've received their statement and every statement did not reflect the balance, past due, or total due. I would received 4 bills in the same month which had different amounts ranging from {$65.00} to {$340.00}. I called Time Finance and was explain once it past due they don't sent the statement with the balance. Which I have never heard of such a thing, I was explain they send 15 days past due, 30 days past due and 90 days past due. Which the bill did not display. Furthermore, I was harassed that my vehicle was going to be reposed due to 24 days past due, which they are oblique by law to send a notice of repossession of the vehicle which I never receive the letter. I've called many times, to negotiate a compromise but I get are people who threaten and act unprofessional. Time Finance needs to close their business or make changes.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (RI)

Wells Fargo promised the ability to extend a 0 % introductory interest rate with ontime payments. A payment in XX/XX/22 was mis-posted by them. They agreed that it was an mis-posting and waived the late charge. They have agreed thee ( 3 ) times to extend the interest free period but seemingly refuse to do so.
Consumer complaint received 2023-05-22
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. (AR)

I am submitting my complaint once again, after I sent a copy of the 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. The following inaccurate items on my file needs to be remove immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (RI)

For over the past few months I have been trying to access my Equifax credit report on their site. I even tried to pay for the equifax premier service but kept on getting error message to call. I just called in XXXX/XXXX/2019 and was on the phone over an hour and transferred XXXX times yet no one can tell me what is going on. I can not recieve my free credit report due to an adverse action I had. I only have this problem with equifax.
Consumer complaint received 2019-06-24
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. (FL)

*****************************NOT A DUPLICATE************************************** Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following  accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the XXXX XXXX XXXX. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with XXXX XXXX XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX XXXX. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.
Consumer complaint received 2019-06-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/XXXX portfolio recovery called my work and told 2 of my asst manager that i was being sued and that they were coming by my work to have a cop bring me a subpoena and then again they called again on the XXXX and told my main manager the same thing and they are constantly calling every day on my cell phone I only work 20 hrs every 2 weeks and my hrs are getting cut because of them calling and taking up their time and its very embarrassing when they bring me aside to tell me about the phone call from them and I have XXXX XXXX which triggers my XXXX and makes it harder for me to work when I'm worried about them calling my job