davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-10
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: HYUNDAI CAPITAL AMERICA (NJ)

I leased a car through Hyundai Motor Finance ( HMF ) on XX/XX/XXXX. The last payment on the lease was on XX/XX/XXXX without a single missed or late payment throughout those three years. When first leasing the vehicle I paid an additional amount for a warranty for any wear and tear that might occur during the time of my lease, anything under {$7500.00} would be covered. Upon return of the vehicle HMF used a third party contractor called XXXX to come do an inspection. Their inspection resulted in {$550.00} worth of wear and tear therefore I knew would be covered under my warranty. I made all payments under my responsibility including the {$400.00} disposition fee with the understanding that HMF would be receiving their money for the wear and tear through American Risk Services ( ARS ), which HMF partners with as the third party responsible for those wear and tear payments. I was advised HMF would initiate that claim and work with XXXX to get that matter resolved, all I would have to do is fax over information to them which I promptly did. Due to my persistence and desire to follow-up I later learned neither XXXX or HMF had initiated a claim. I called both companies regularly and each of them placed the blame on the other. I had to resolve the matter by using three way calling so there would no longer be any discrepancies or miscommunication. After this a claim was initiated. HMF received their payment late and although it was not my responsibility to pay them they faulted me for the late payment and sent a late payment report to all three of my credit bureaus. My credit bureaus have the late payment for XX/XX/XXXX although I had returned my lease and made all payments I was responsible for on time. I attempted to dispute this matter with my credit bureaus but they referred me back to HMF. I've attempted to resolve this matter with HMF but have been unsuccessful as they refuse to take any responsibility. This is the only negative/delinquent payment I have in my credit report and need assistance in getting this adjusted.
Consumer complaint received 2022-10-07
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2021-03-26
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. (IN)

In XX/XX/XXXX, someone fraudulently applied for a XXXX credit card in my name, I immediately contacted the credit guarantor and they launched an investigation. The result was that fraudulent information was used in the attempt to obtain a card with my ssn. The persons application for the card was not approved. XXXX stated that they would begin the process to remove the hard inquiry from all three of my credit bureau reports. To this day, XX/XX/XXXX, the inquiry remains and has NOT been removed. This was AFTER I submitted a complaint to CFPB and the XXXX concerning this matter.
Consumer complaint received 2021-07-02
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. (NJ)

In XXXX of XXXX, I submitted a dispute with XXXX XXXX credit card regarding three late payments. In XXXX of XXXX, I began the process of homeownership and I was informed by my bank that I needed to remove my disputes. I contacted the credit bureaus on XX/XX/XXXX to have the dispute removed and it was removed but subsequently placed back on my credit report. I contacted the credit bureaus again on XX/XX/XXXX and the disputes were removed and appeared again. I contacted the credit bureaus on XX/XX/XXXX and they were removed and reappeared again. On XX/XX/XXXX, I contacted Equifax specifically and I was told that I needed to contact XXXX XXXX because they are the once that are reporting this dispute to them. I called XXXX XXXX and I was told that there is nothing that I can do, I have to wait for them to respond to my request to have the disputes removed that I submitted on XX/XX/XXXX. I asked the outcome of my dispute removal request on XX/XX/XXXX and they did not have an answer to give me. 
I believe that XXXX XXXX is behaving in a manner to punish consumers that dispute negatively reported items. I also believe that XXXX XXXX is in violation of protections offered to consumers by continuing to report this information as being in dispute that I have asked to be removed four months ago.
Consumer complaint received 2021-03-26
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. (IN)

In XX/XX/XXXX, someone fraudulently applied for a XXXX credit card in my name, I immediately contacted the credit guarantor and they launched an investigation. The result was that fraudulent information was used in the attempt to obtain a card with my ssn. The persons application for the card was not approved. XXXX stated that they would begin the process to remove the hard inquiry from all three of my credit bureau reports. To this day, XX/XX/XXXX, the inquiry remains and has NOT been removed. This was AFTER I submitted a complaint to CFPB and the XXXX concerning this matter.
Consumer complaint received 2021-07-02
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)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX TransUnion LLC Consumer Dispute Center P.O. XXXX XXXX XXXX, PA XXXX Dear TransUnion, I have contacted you via phone and certified mail numerous times in regard to this issue that has remained unresolved. There are two inaccurate late payments reflecting on my XXXX  credit report : 1 : XXXX XXXX Account # : Ending in XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # : XXXX Date : XX/XX/XXXX I have provided you with documents from both XXXX XXXX as well as XXXX XXXX XXXX and the errors continue to remain reporting inaccurately on my Credit Report. I have sent these exact documents to XXXX  and XXXX  and they were able to update my file almost immediately. As I am aware that you have full access to my credit file, you will see that I have never made a payment late ever in my life. My credit is extremely important to me and I make it a point to ensure I stay on top of my credit file. I understand mistakes do occur, but this should have been corrected months ago. According to the Fair Credit Reporting Act section 623 ( a ) ( 3 ), you are required to investigate claims of inaccurate information, and when information is proven to be inaccurate, correct the mistake. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have had well over 30 days to complete this investigation, and I am keeping careful record of your actions. My next step will be filing a complaint with the FTC. Failure to respond satisfactorily will result in a small claims action against your company. 

Thank you for your time and help in this matter.
Consumer complaint received 2019-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-COLLECTION- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$1100.00} -This is not my account.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

I already contacted XXXX & XXXX and Spoke with XXXX to make sure I was up to date, Froze my Credit with the first two ... .I can not get ahold of " THE PROBLEM '' EQUIFAX !!!! Their phone # 's provided on line hang -up on you or do the " doo-doo-doo, They are like no longer active! I took a Trip off work to protect my self and at thispoint ... .I am totally XXXX XXXX!!!
Consumer complaint received 2017-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Fedloan Help (CA)

I was told that Fedloan Help would consolidate my student loans and that I 'd begin paying the loans through them. The way I understood it, they were now my loan holder and I 'd send them, through auto pay, {$82.00} per month based on limited income ; Income based repayment. Frst payment XX/XX/XXXX. Each month a withdraw occured on or near the XXXX of each month starting XX/XX/XXXX, every month for 13 months Fedloan Help withdrew {$82.00} until XX/XX/XXXX = {$1000.00}. I had no reason to question if my loans were being paid until XX/XX/XXXX when I received a note from XXXX XXXX telling me I 'd missed two payments. I called and said they 'd withdrawn {$82.00} that month. XXXX XXXX informed me that Fedloan Help was not the same outfit. Fedloan Help, I was told, filed paperwork. The reason that had not heard from my real loan holder ( XXXX XXXX ) was that my loans were in forbearance  accumulating interest.
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

This debt does not belong to me. I've asked them 5 times to validate it, and they can not. 
I asked them to show me where I signed to open this account they said they don't have anything to prove. They have nothing providing this account is mine I lived at XXXX XXXX XXXX XXXX  Ny XXXX at the time they said debt occurred.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX XXXX Transunion are reporting multiple inquiries on my credit report that do not belong to me. I have never made any inquiries to these creditors. ( I have attached a copy of the Inquiry page from my credit report along with a copy of my drivers license and SSN for reference. ) These multiple inquiries belong to someone else and are reporting in error. This false reporting is seriously harming my credit score and these inquiries need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these inquiries however, I have not been successful.
Consumer complaint received 2019-11-08
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 


-COLLECTION- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$1100.00} -This is not my account.
Consumer complaint received 2019-11-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I have a mortgage loan with JP Morgan Chase since I first purchased my condominium in XX/XX/XXXX, I had applied and refinanced the original loan in XXXX ; and ended up with a reduced interest rate of 4.5 % on my mortgage loan and 8.2 % on my home equity loan. My neighbors, who are are predominantly XXXX, enjoy much lower interest rates on similar condominium units. I applied to refinance again with Chase in XX/XX/XXXX, and my Mortgage advisor had offered an interest rate of 3.75 %. ( combining both my mortgage loan and home-equity ). In XXXX, i received a denial of my loan application, with the reason given as Excessive obligations in relation to eligible income. This came as a shock as my loan advisor at Chase had informed me I was an excellent candidate. My credit score XXXX at the time, now XXXX ; and I have about {$500000.00} equity on the property! I believe that denying me the loan is either a terrible mistake, or that I have been discriminated against because I am XXXX, and/or because I refused to move my XXXX investments to be managed by Chase. I do not agree with the decision made by Chase and feel I have been treated unfairly! It appears that Chase wants me to continue paying high interest rates on my mortgage. I pay via electronic withdrawal without fail every month, but why can't I get a better deal as a valued and loyal customer?
Consumer complaint received 2022-10-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CA)

N accordance with the Fair Credit Reporting Act Wells Fargo Bank Card account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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
Consumer complaint received 2019-02-23
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. (SC)

I have notified all 3 credit reporting bureaus of my formal dispute of the same account appearing on my reports 10 different times totaling {$570000.00}. These accounts do not belong to me. I notified XXXX XXXXXXXX 3 different time through signature required service receipts separately attached. Disputes were sent on XX/XX/2016, XX/XX/2016, XX/XX/2016 all requesting for required verification and supporting documentation under the rule and guidelines of both the FDCPA and the FCRA. All 3 times XXXX  XXXX violated Federal law. Further none of the information meets the required standard of Section 609 ( a ) ( 1 ) : Information to be disclosed. Advisory opinion to XXXX XXXX stating, " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file ''.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX AMOUNT {$4600.00} ACCOUNT NUMBER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2021-07-02
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. (FL)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax, I have contacted you via phone and certified mail numerous times in regard to this issue that has remained unresolved. There are two inaccurate late payments reflecting on my Equifax credit report : 1 : XXXX XXXX Account # : Ending in XXXX Date : XX/XX/XXXX 2. XXXX XXXX XXXX Account # : XXXX Date : XX/XX/XXXX I have provided you with documents from both XXXX XXXX as well as XXXX XXXX XXXX and the errors continue to remain reporting inaccurately on my Credit Report. I have sent these exact documents to XXXX and XXXX and they were able to update my file almost immediately. As I am aware that you have full access to my credit file, you will see that I have never made a payment late ever in my life. My credit is extremely important to me and I make it a point to ensure I stay on top of my credit file. I understand mistakes do occur, but this should have been corrected months ago. According to the Fair Credit Reporting Act section 623 ( a ) ( 3 ), you are required to investigate claims of inaccurate information, and when information is proven to be inaccurate, correct the mistake. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have had well over 30 days to complete this investigation, and I am keeping careful record of your actions. My next step will be filing a complaint with the FTC. Failure to respond satisfactorily will result in a small claims action against your company. 

Thank you for your time and help in this matter.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 1. XXXX  - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2022-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XXXX XXXX Portfolio Recovery Associates purchased my private information from XXXX XXXX Bank XXXX Portfolio Recovery is allegedly claiming that I owe them {$1500.00}. I do not owe this company nor do I have a contract with them for anything. Both Portfolio Recovery and XXXX XXXX Bank are in violation of consumer code 18 usc 1028a aggravated identity theft and 15 usc 1681.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Transunion and XXXX and XXXX have violated my rights, and they violated the law, 15 USC 1681. I have written on many occasions asking them to fix the issue or delete the following due to inaccurate reporting. its reporting a balance on a paid off account and they have failed to delete or update the account. 
XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-07-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

These accounts don't belong to me. please remove accounts : 1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

3. Identity Theft BK OF AMER Account Number : XXXX This is not mine.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have number on my report that are not my please remove/delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX