davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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 (CA)

On XXXX XXXX, 2023 I sent End Of Lease purchase paper work, odometer reading and payoff of {$28000.00} to Kia Financial and that was posted to my account on XXXX XXXX, 2023. After waiting 8 to 10 business days I called to see when I might receive my registration/title was told they were still processing. After several other calls I was told I still owed {$96.00}, no call, no text or email to me regarding this additional charge. I immediately paid by online check and it was posted to my account on XX/XX/XXXX. After waiting several days I again called to see when I might receive my title. After waiting on line and being sent to several departments they told me they didn't have my Odometer disclosure, which was originally sent on XX/XX/XXXX with the check for {$28000.00} by priority mail. I immediately did a document sign for the mileage on XX/XX/XXXX. In the mean time I am getting a late notice regarding my XXXX payment ( even though the car had been paid off XX/XX/XXXX ). I called again this morning and was told the odometer reading was pending and it would be 7 to 10 working days. I am a XXXX XXXX XXXX XXXX and truly feel I have been discriminated against by this company. I am XXXX XXXX  on XX/XX/XXXX and want to have the car registered to me before XXXX.
Consumer complaint received 2024-02-25
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. (OH)

I asked the credit bureaus to do a verification of everything on my credit, they did and stated everything was accurate. I did a thorough investigation myself and found improper inaccuracies on the credit report even after they did a thorough investigation. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit reporting act XXXX  account # has violated my rights. 
15 U.S.C 1681 Section 602 A. States that 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. 

I HAVE ATTACHED PICTURES AND SCREENSHOTS OF MULTIPLE INCONSISTANCYS REGARDING THESE ITEMS AND THE CREDIT BUREAUS STATEMENTS SAYING THEY HAVE VERIFIED WHICH THEY OBVIOUSLY DID NOT THESE ARE ALL INCONSISTENT. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

On my credit reports it is showing XXXX different company names XXXX and on the other XXXX. Which is it??? It 's also showing XXXX different open and close dates. One credit report is showing XX/XX/XXXX and the other is showing XX/XX/2012 as an open date for example. That would mean that I have XXXX different accounts, which I do n't have. XXXX different inaccurate information. The balances are showing {$0.00} and the account is showing closed on all XXXX credit companies, XXXX, EXPERIAN, AND XXXX.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed DTR on XXXX due to fraudulent employment claim and unaccredited school. ( XXXX ) Received letter of approval. Loan is still in my credit file. Please remove inaccurate data. Contact XXXX in Virginia. Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-25
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One has repeatedly taken money out of my account without permission. They did this before with {$1000.00} and claimed the did n't know what happened. This time they tried to take two small amounts out of my account. Something suspicious is going on. Now I 'm charged overdraft fees. 
ACH trace # XXXX and XXXX.
Consumer complaint received 2016-05-03
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Missing Funds. Funds that were requested to be transferred were lost by Capital One 360 Bank ( routing number:XXXX ) I initiated an online transfer of funds from Capital One 360 Bank ( from the XXXX Bank XXXX ) to XXXX Bank XXXX XXXX XXXX, 2016. On XXXX XXXX, 2016, the XXXX Bank online transfer details indicated that the complete date of this transfer was XXXX XXXX. Also on XXXX XXXX, Capital One 360 Bank records indicated that the requested amount was withdrawn by XXXX Bank. On the weekend of XXXX XXXX or XXXX, I closed the Capital One 360 Account believing the XXXX Bank statement that they received the Capital One 360 funds. On XXXX XXXX, XXXX Bank Online History indicated a reverse ACH deposit from Capital One 360 Bank. Also, on XXXX XXXX, XXXX., I received an email from Capital One 360 Bank stating that Capital One 360 was unable to complete the transfer request from XXXX Bank ( " Your withdrawal was n't processed Dear XXXX We were unable to complete the request from XXXX Bank to withdraw money ''. ). 

According to conference calls among Capital One 360, XXXX Bank and myself on XXXX XXXX and XXXX XXXX, 2016, Capital One 360 stated that they rejected the returned funds from XXXX Bank and resent the funds to XXXX Bank. ( Trace number is XXXX sent on XXXX XXXX XXXX, XXXX XXXX. ) XXXX Bank reported again on XXXX XXXX, that the aforementioned trace number indicates merely that the Capital One 360 account was closed and no money transfer was associated with this trace number. 

The funds have not been shown to be in both Capital One 360 Bank and XXXX Bank since XXXX XXXX, 2016. 

We are imploring this agency to push Capital One 360 and XXXX Bank to retrieve our funds and deposit them since our numerous conference calls beginning on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX to XXXX Bank and Capital One Bank have not yielded any meaningful results.
Consumer complaint received 2018-03-16
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: Experian Information Solutions Inc. (OH)

I am requesting for a removal of old addresses on my and unknown addresses that appear on my credit report. I am a victim of Identity theft. My SS Number was comprised around XXXX. I am unaware of these following inquiries the are not authorized. XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , The companies above never had permisson to run my credit report. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CA)

In XX/XX/XXXX I filed a Bankruptcy Chapter XXXX, this debt was included as part of the case. On XX/XX/XXXX XXXX  filed a Notice of Assignment of Claim and Transferee Notice of Transfer of Payments. From XXXX XXXX  XXXX AES/PHEAA/AMERICAN XXXX SERVICES TO XXXX ( XXXX  XXXX XXXX XXXX XXXX A JOINT NOTICE OF TRANSFER OF CLAIM PURSUANT TO FRBP RULE 3001 ( e ) ( 2 ) AND WAIVER OF OPPORTUNITY TO OBJECT was also filed. On XX/XX/XXXX The ORDER OF DISCHARGE was granted to XXXX XXXX and XXXX XXXX. on XX/XX/XXXX and XX/XX/XXXX I started to receive letters demanding payment for this discharged debt. My husband has made a number of calls to them and had our Attorney who handle the BK call and sent them copies of the Assignment and Joint Transfer. We also sent them a copy to which they replied back on XX/XX/XXXX acknowledging that the loan has been paid off with a XXXX  balance. Between XX/XX/XXXX and XX/XX/XXXX AES sent me a new monthly bill and reported a 30 day late to the credit reporting agencies dropping my score by 65 to 80 points.
Consumer complaint received 2015-09-26
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: United Collection Bureau, Inc. (LA)

XXXX XXXX of United Collections Bureau called my ex husband and revealed that she was trying to reach me about a debt collection. I believe this practice is illegal. My private financial information should not be disclosed to others. especially my ex husband. He is the reason I am in debt. I have been in protracted legal battle over a financial settlement, and he is a lawyer. He has used the system to drag this out and forced me in debt in an effort to make me accept a bad settlement. You have not helped by disclosing this to him. Companies should not call other people in an effort to collect debt. By telling him who she worked for she was telling him I am in collections for debt. This type of tactics should be stopped! 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-04-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Central Holdings, LLC (OH)

I have been receiving numerous calls from Credit Central at XXXX trying to get in touch with my sister-in-law that I have not spoken to in two years. I have no idea where she is located and I did not give her permission to give my personal identification as a reference ( ever ). I have asked this organization at least three times to remove my phone number from their records. Just this week I received a call on XXXX/XXXX/16 and XXXX/XXXX/16. I told them again to stop calling me!
Consumer complaint received 2022-02-10
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: SYNCHRONY FINANCIAL (TX)

I called synchrony bank and explained that someone created an inquiry on XXXX XX/XX/2021 on my XXXX credit report. i talked to a lady and we agree it was fraudulent and would contact XXXX to be removed this was back in XXXX and the inquiry is still on my credit causing me hardship from being able to buy a house or start a business. i sent many responses and still haven't received anything XXXX refuse to help as well
Consumer complaint received 2015-07-28
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

The bankruptcy was discharged in XX/XX/XXXX which included the house and the property was removed from my name in XX/XX/XXXX by XXXX XXXX XXXX. In the past week I have received 3 letters and 2 phone calls stating that I am delinquent when the house is owned by someone else and has been for 5 years. I have no credit with XXXX XXXX XXXX. When speaking with a person from XXXX XXXX XXXX, they said the mortgage was closed XX/XX/XXXX, yet I received phone calls after that conversation.
Consumer complaint received 2020-11-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (TX)

My name is XXXX XXXX and I just received a letter the mail saying that a company called LVNVFUNDING, LLC is going to sue me on a debt. The court date is for XX/XX/2020. I know my rights but this is really getting out of hand. I dont know why they forcing me pay for something when its already on credit report. They had tried this before on sending a person to my house serving me papers that I was due for court but there wasnt no time or date on it. I really need someone to help me out with this one because they cant be doing and harassing me. Thanks.
Consumer complaint received 2015-06-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (UT)

Received call from IQ Data debt collectors claiming I owed {$1200.00} in fees from apartment lease. I moved out in XXXX of 2014 and they claimed there were fees racked up in XXXX of 2014. Another person took over the lease and I had nothing to do with it from XXXX, 2014. I received a call from a lady with IQ and she was very rude and insinuated that she 'd heard this type of claim before, insinuating that I was lying. I told her that this debt was not mine and I had nothing to do with it, she threatened If i did n't pay it, it would report to my credit. I told her again it was not mine and she said she 'd notate on the account that i was disputing but that i had to call her back and make arrangements. I sent a certified letter to their headquarters stating I disputed the charges and to not report anything on credit. I also called the apartment complex, and was told that they never once sent anything to collections regarding my name, only the lease holder that took over my lease. They must have researched the previous lease holder, which was me, and tried to collect the debt from me. I called them again to let them know of the information I would be sending over and again they were very rude on the phone, rushing me off and instead of giving me an address to where I can send the docs, telling me to call back to speak w/an account manager.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2016-10-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (MI)

My wife and I did borrow to help pay for our XXXX sons ' college tuition. The collection of some of those loans have passed from XXXX to XXXX or XXXX servicing companies. One batch is now services by ACS ( a XXXX company ). We have paid {$210.00} monthly for several years. But I noticed on the last statement there is no cumulative accounting of what we have paid in principal and interest. I did notice that they say the outstanding principal balance is {$10000.00}. That seems very high. Particularly when I know we have nearly paid off in full another group of loans administered through XXXX XXXX XXXX XXXX. 
The account number on the ACS loan is XXXX. 
I would welcome your suggestions as to how I should proceed. I am reluctant to go to ACS 's customer service folks until I do some research on their track record. 
Also, I noticed this story from XX/XX/XXXX. 
XXXX You can reach me at XXXXXXXXXXXX or XXXXXXXXXXXX Thank you, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, MI XXXX XXXX
Consumer complaint received 2024-02-25
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: EQUIFAX, INC. (FL)

These Hard inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. Thanks Hard inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-01-07
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. (GA)

XXXX, Experian XXXX XXXX, have all failed to correctly report the account balance on my XXXX/ XXXX XXXX, Credit Card. The account was last updated XXXX XX/XX/2021. We have now completed the first week of the new year and still my credit reports do not show the correct balance on my XXXX credit card which adversely affects my credit utilization.
Consumer complaint received 2015-12-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NC)

PNC ( a.k.a National City Bank ) does not address my complaint in the least bit of the aggressive appraiser they recommended and the gross negligence on their part. The lack of their due diligence is mind blowing and they took complete advantage of me as a consumer. When they sent foreclosure papers to me in XX/XX/XXXX I reached out to XXXX XXXX XXXX at PNC immediately and faxed her a letter giving them permission to contact me. I find it ironic that they say they ca n't contact me " due to a ceased and desist on record '' but on XX/XX/XXXX XXXX at XXXX I have a saved voice mail from XXXX XXXX XXXX who represents PNC Bank on my personal cell phone. I have since called both their desks and left voicemails multiple times and continuously sent faxes authorizing them to contact me and have gotten no response in return. I feel that they are jerking the CFPB around and me as a consumer because they know that there is gross negligence and a lack of due diligence on their part. I need your help CFPB on this please. Please advise as soon as possible. Thank you in advance. 

Respectfully, XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Tax Lien paid and satisfied from Ga Dept of Revenue. Has not been removed from TransUnion. I am not on the delinquent taxpayer list and I have receipts showing lien has been paid in full. 
Reference number : XXXX {$3100.00} Reference number : XXXX {$1700.00}
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

I have requested that ALL collection accounts on my credit report including 2 late payments be removed from my report as these were illegally reported and furnished without my consent under 15 USC 1681 A number 3. They have also violated my right to privacy under 15 USC A number 4. I have been given constant run around after numerous attempts to have these accounts removed and never furnished again without my consent.
Consumer complaint received 2020-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA (FL)

In XX/XX/XXXX, I received a letter of First National Bank mentioning that I have a credit card of XXXX $ on my name BUT I never contracted this transaction. So someone used my personal informations. The period of which this transaction was contracted, I was not even in the USA, I was in XXXX. I haven't signed up for this transaction. 

I called this bank, I asked them to block this card which never been in my possession. And then I did an offense report ( XX/XX/XXXX ) at police department.