davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (KY)

XXXX Kia XXXX XXXX expired XX/XX/XXXX. I returned the lease and purchased a new vehicle on time. The dealership failed to report the lease was turned in and payoff the lease. Kia Finance reported the vehicle as a charge off and in collection of {$25000.00}. I've tried for several months to get the dealership and Kia Finance to fix the issue. This has been going on since XX/XX/XXXX. I've disputed the amount with all three credit bureaus and Kia Finance keeps reporting it as accurate. I have documentation supporting my claim. The dealership has stated they were working on the problem and then in XXXX, the person was gone and the information was not passed on, even though I kept calling and leaving messages. I went to the Kia Store dealership and spoke with a sales manager who stated they would take care of it in XXXX. I was unable to see any information when logging into Kia Finance 's portal, however that has been updated to show the account is closed, just now in XX/XX/XXXX. My credit report still shows in collections/charge off of {$25000.00}. I never missed a payment and it wasn't a charge off. The dealership acknowledged it was their mistake but no one will fix the issue.
Consumer complaint received 2022-04-29
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: CITIBANK, N.A. (CA)

Sears account from CBNA reported XX/XX/2018 reported as late payment. I went to the XXXX XXXX Sears XXXX in California to make the same payment each month, and have never been late. I am appalled that this payment was late, and if you review my account for every month, I have never been late. 
Please be so kind to delete this record from my credit. 

Thank you
Consumer complaint received 2019-09-26
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. (SC)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc (PA)

Both my husband and I received credit cards we didnt apply for from a company called Chime. Because its an internet based company I am forced to communicate only my email. After repeatedly asking if someone applied for the cards I was instructed to file an identity theft report and send a copy of my drivers license to get the information about the account. The information I received still does not explain whether the applicant used my social security number or any personal information, nor do I know if they did an inquiry on my credit bureau. Having to communicate by email means I have to wait 3 days between each if my inquiries and their responses. This company is clearly not using due diligence in the granting of credit, nor are they being responsive to fraud claims when it takes weeks to get basic information. This is unacceptable!
Consumer complaint received 2024-02-05
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: Experian Information Solutions Inc. (AL)

XXXX  # XXXX XXXX # XXXX. These accounts were all opened under my name and these accounts were not authorized by me. These companies have not verified any information by me. The credit bureau are violating my FCRA rights by continuing to report theses fraudulent inaccurate accounts. 

XXXX XXXX  account # XXXX is reporting a paid charge off an account that also was not opened by me. I am a victim of identity theft these company continue to report negative inaccurate information on my credit profile violating my rights. No validation with my signature has been submitted. We are prepared to sue the bureau depending on the response. There are consumer laws that are in place to protect the consumer and the bureaus as well as these companies are in clear violation. How can I submit a dispute and then minutes later the response is the account was unchanged based upon our processing. There is no way an account is validated that quickly. Remove these fraudulent accounts asap. These are in clear violation of my rights.
Consumer complaint received 2024-02-04
Product: Credit reporting 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)

XXXX XXXX XXXX  Account XXXX with a reporting " voluntary surrender '' in the amount of {$38000.00} is reporting on my credit report. It is an inaccurate account and MUST be removed immediately. It violates 15USC 1681 a, i, j. Attached is a copy of the FTC report to prove the account as fraudulent.
Consumer complaint received 2024-02-04
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: Experian Information Solutions Inc. (IL)

Hello, I'm XXXX XXXX, and I'm submitting this complaint for the third time regarding my identity theft. Unfortunately, no action has been taken, and credit bureaus and companies involved haven't responded to my disputes. I feel my consumer rights are being violated, and as the victim, I can't get the help I need. If no action is taken, I'll pursue legal measures.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I called XXXX XXXX XXXX weeks prior to talk about my account. The representative coaxed me into putting my account on a 6 month payment arrangement. Making payments every two weeks, knowing my account was not past due nor was any of my payments late. The representative told me that my credit would not be affected that my account would stay in positive condition as longs as my payments are paid on time. Now its reporting to my credit file as late payment.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

After doing several disputes with XXXX, and Transunion. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor XXXX. Both XXXX  and Transunion failed to do an investigation before reporting false information. XXXX failed to respond several letters. The Reporting address on file is not and never was my permanent address XXXX XXXX XXXX XXXX XXXX Kentucky XXXX
Consumer complaint received 2020-01-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (CA)

I initially borrowed {$680.00}. After the 90  period my balance was {$280.00}. Finance fees were then added bringing my balance to over {$500.00}. Over the next several months, I have continued to incur " finance fees '' on my balance which already includes finance fees. The finance fees are almost equal to my payment, so the balance has remained initially the same. The finance fees on top of finance fees appear to be " double dipping '' and not authorized. Furthermore, the website does not allow you to see your payments or balance like most companies. You have to call and ask them to send you the information. When I did that I received the attached document which displays inconsistencies, so the true nature of my loan is unknown.The print-out does not have my name or account number anywhere on it, so I do not even know if it belongs to me.
Consumer complaint received 2020-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding reported the same debt twice at {$630.00} when this amount was disputed the amounts changed. I have requested sufficient back up as to what this account is and all that happened was the amount was changed. The company refuses to tell me what the original debt was
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

Someone opened a XXXX account in my name illegally. Someone stole my information and made an account in my name Illegally. I need this account removed from my credit as soon as possible, it is my right by law. I've been trying to remove this account from my credit for months. This account is affecting my credit. Please report this account and remove this illegally made account from my credit file. It is identity theft. Creditor : XXXX XXXX. This was illegally reported without being properly verified. This is not my account. Please remove because I am at the point where I would like to handle this legally. It ruined my credit score.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

Experian Credit Reports, a Collection Account, posting wrong information that is not mine. Experian allowed XXXX XXXX XXXX to post information that is not mine, negatively damaging my credit score. Contacted Experian, and they basically told me that I have to fix it myself before removing from my credit report. Contacted XXXX XXXX agency, and no one answers, you just fill out an online inquiry for call back. The wrong debt posted to my account was for XXXX services to someone and to an address that I've never lived in. XXXX basically gave me no options for resolution, other than fill out another online inquiry. 

Fraustrating to a Customer that strives for good credit, get wrongfully put to a collection agency and afftects my credit score, and lives my no good option to resolve.
Consumer complaint received 2019-09-26
Product: Vehicle loan or lease — Loan
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I originally filed a complaint regarding fraudulent practices conducted by USAA Federal Savings Bank. I received nothing more than a generic response from them. Now I have to file a small claims suit against them. I will obviously receive judgment in favor because attorney 's are prohibited from small claims court and I highly doubt the CEO will show up. Even if the CEO did show, I'd still receive judgment without much effort. Consumer beware.
Consumer complaint received 2018-02-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MN)

Obtained a student loan from XXXX XXXX which we thought to be a reputable loan provider. It is now with Navient and the terms of the loan, while perhaps unchanged, are predatory and unrealistic to any consumer. Loan was initiated in XX/XX/ 2006 with an principal ( loan amount ) balance of {$31000.00}. After making consistent payments for over 12 years ( approx. {$57000.00} PAID ), the principal amount has INCREASED 40 % to {$44000.00}. I owe MORE now than when I started. How can this be legal?? It certainly is not ethical. Looking to ensure others are not damaged by this type of loan.
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (SD)

On XX/XX/XXXX Citi issued a letter on both my accounts informing me they had lowered the credit limit on both my cards stating the was due to information from credit reporting agencies. The limits were lowered to just above the balances owed. Naturally, this reflected negatively to the credit reporting agencies. I had never missed a payment and always paid more than the minimum payment. I had done nothing wrong accept take advantage of their COVID relief offer. I paid off one card and paid nearly {$3000.00} on my Citi Costco card. XX/XX/XXXX Citi received {$4000.00} on my Citi Costco card. Citi rewarded me by lowering my credit limit again, thus reporting it negatively again. Citi called me twice on XX/XX/XXXX requesting I call them back. I was given two call back numbers, never of which allowed me a connection to Citi. I called the customer service line, was transferred several times, finally reached the right party, named XXXX. She literally had nothing to say. Complete silence. I was well aware there was nothing she could do to resolve the situation as Citi closed my husband 's account a few months earlier for simply not using his card. I assume they intend to close my account, too. 

Citi is ruining my credit rating. I have an excellent payment record even though the pandemic had caused a very minor issue. Citi is not reporting accurate information, therefore, causing my score to drop. This affects the interest rates I am eligible for. That equates to thousands of dollars. I would like to open a class action suit as I know I am not the only one.
Consumer complaint received 2018-02-08
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: EQUIFAX, INC. (OR)

After sending a letter to XXXX XXXX and getting no response I filed a complaint with the CFPB requesting that the validate NOT verify a debt that they are attempting to collect from me and have yet to receive a response. After disputing the account with Equifax, I asked for validation from Equifax. I specifically asked for a signed agreement and other supporting documentation. They provided me with a letter stating the account was verified which does not prove that I am responsible for this debt. Neither the credit bureau, nor the collection agency provided me with proper legal validation of the account. They are reporting delinquent information on my credit report that I am asking to be deleted based off the following sections of the FDCPA : 15USC 1692c ( a ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- And 15USC1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Consumer complaint received 2018-02-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (MD)

Hello. I am a XXXX military veteran. I had all my student loans on forberance. Upon my arrival back from XXXX. I get a call saying my forbearance had expired and I did not reapply. That is not true, I did resubmit and faxed my orders to XXXX XXXX XXXX. Without that forberance my score went down and my credit hasn't been the same since 2012! Plus, my loan account moved to another provider and I never knew it! They were sending mail to an old address and did not have the correct number to contact me. So, by the time I would reach out to someone on my behalf ... the loan had moved! Very frustrating. My credit is jacked, my grandparents who co-signed for me ... their credit is messed up. I 100 % know I play a huge role in this and I take responsibility for my mistakes. But, I serve my country and comeback home to set things straight and I haven't been able to get a grip on my life and my credit life yet. Forberance was the only thing helping my credit score stay above water until I can make payments consistently and comfortably. Now, I hate when my phone rings and I just want to get it right.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-10-03
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. (NY)

Hi I am submitting this complaint regarding inaccurate information on my credit report from '' EXPERIAN " Most of the account does not belong to me and was opened when i was a minor, these accounts are inaccurate fraudulent, misleading and hurting my credit scoring and effecting my financial ability. and also keeping me from getting good opportunity out there like getting student lone, car loan and other credit card, and my personal information are also inaccurate like my name ETC.Most of these account went into collection and my bank account are in danger of being freeze .these negative information only showing on Experian none of the other agency are reporting any negative info I think its very irresponsibility of EXPERIAN that they have not taken any action on my so many requests, I hope Experian will take action this time
Consumer complaint received 2018-02-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (NY)

I received notice via XXXX that my credit score decreased due to a collection added from COMMONWEALTH FINANCE for {$580.00}. I do not recall doing business with this company nor did I receive any notices in regards to this bill that would have allowed me to dispute it. The account was opened XX/XX/2017 and I had no medical services at this time. 

I have contacted the company in an attempt to verify this debt is indeed mine but I have not heard from them.
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

The company reports that I owe XXXX to them. I have know of LVNV.. I have never used their services or signed anything associated with them. I have disputed this with the credit agency and it is still pending this same debt is also listed on my credit report twice.
Consumer complaint received 2018-02-08
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. (OR)

After sending a letter to XXXX XXXX and getting no response I filed a complaint with the CFPB requesting that the validate NOT verify a debt that they are attempting to collect from me and have yet to receive a response. After disputing the account with Experian, I asked for validation from Experian. I specifically asked for a signed agreement and other supporting documentation. They provided me with a letter stating the account was verified which does not prove that I am responsible for this debt. Neither the credit bureau, nor the collection agency provided me with proper legal validation of the account. They are reporting delinquent information on my credit report that I am asking to be deleted based off the following sections of the FDCPA : 15USC 1692c ( a ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- And 15USC1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Consumer complaint received 2018-10-03
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: AutoNation Enterprises Incorporated (FL)

In XX/XX/2017 my credit was ran 4 times without my approval for a car loan within a 45day period.My credit was ran In one, I did not approve of it nor did I know that my credit was being ran that many times.This has lower my credit a lot!