davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (NY)

I returned a XXXX XXXX XXXX in XX/XX/XXXX. The lease was not up until XX/XX/XXXX ; however, I returned it early in connection with leasing a new vehicle. The new vehicle is a XXXX XXXX XXXX XXXX. Both leases were through XXXX XXXX XXXX. 

The dealership promised to pay all remaining amounts due on the lease ( excluding excess wear and tear ). I received confirmation several weeks later from XXXX XXXX XXXX that no further amounts were due on my XXXX XXXX when I received the next statement that showed a XXXX  balance. 

In XX/XX/XXXX ( 5 months after returning the vehicle ), I received a bill from XXXX XXXX XXXX for {$310.00}. There was no documentation explaining why I owed this amount. I tried calling XXXX XXXX XXXX but could not get through. I left a message but no one ever returned my call. This was the first I ever heard that any amount was owed on my XXXX XXXX. 

Approximately, 3 weeks later, I received a call from a debt collection agency ( XXXX XXXX ). I explained the situation and told them that I was contesting the bill. They said they would put it in for challenge. I did not hear from any one again until XX/XX/XXXX when XXXX XXXX called me again. I once again told them that this was to be challenged and they told me they would come back to me. 

I finally received a letter on XX/XX/XXXX from XXXX XXXX. It included a description of amounts charged by XXXX XXXX XXXX and amounts paid. It ends with a balance of {$310.00} ; however, it never explains why these amounts are owed ( e.g. missed lease payment, fees, damage to vehicle ). It also claims this letter was sent to me on XX/XX/XXXX ( 4 months after lease termination ) ; however, I never received it.

On XX/XX/XXXX, I was finally able to reach someone at XXXX XXXX XXXX. They told me the amounts owed are for a missed lease payment. I explained to them that the dealership had agreed to pay all go forward lease payments. They told me " that was my problem '' and tried to connect me ( again ) to XXXX XXXX. I called the dealership and they told me that all lease payments were made. 

XXXX XXXX XXXX has submitted this issue to credit agencies and damaged my credit score.  They have also told me I owe money on a lease ( 5 months after lease termination ) but never provided me with any disclosure as to why I owe this money. They also will not even discuss this issue on the phone with me. I would like to know whether this is truly my obligation to pay and would like my credit score repaired. I would also like to make sure that XXXX XXXX XXXX provides full, adequate and timely disclosure of amounts due by their customers.
Consumer complaint received 2024-03-12
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (FL)

on XX/XX/2023 i sent an cell equipment back to XXXX. i have the proof and tracking number provided by XXXX. after several months i notice a credit report against me in reference to this. i contacted XXXX  to solve the problem and they said the package was received at the warehouse but they don't had the equipment, they couldn't find it on the warehouse. i was very disappointment by that statement since they agreed being receiving the package. my responsibility on the equipment ended at the moment i sent it to them!. they did several searches and equipment wont be found. but they don't have any rights to bill me for an equipment that was sent and received by their warehouse. unfortunately we didn't reach to an agreement. I report this problem to all XXXX bureaus and that report still on my credit report which is in detriment on my credit history.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Self Financial Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2017-10-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (FL)

Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provided detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over XXXX-4+ years however the debtor is also reflecting the account/charges were just recently opened 5 months ago?
Consumer complaint received 2022-09-08
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

Under the regulations set forth in 15 USC 1666b, late payments linked to accounts identified as XXXX and XXXX must be removed from my credit report. Furthermore, pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as XXXX is to be expunged from the report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report. Moreover, as per 15 USC 1681B and in adherence to section 604, all charge-offs must also be expunged from the report.
Consumer complaint received 2017-12-26
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. (PA)

I started a dispute on XXXX XXXX, 2017 stating that several accounts were invalid and should be deleted from my file immediately. Within 30 days Experian completed there investigation and stated that some accounts were verified. so I then sent letters Asking them to send me documentation as proof of the verification that they stated they obtained from the creditor which should include copies of all original contracts bearing my signature. Experian has never sent me this Proof. the FCRASection 609 states that they must conduct a 100 % verification Investigation during the dispute process which should include all original agreement documentation bearing My signature.
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (FL)

i applied for a barclay card and i was denied do to unsatisfactory prior relationship, i was never late or anything on my card always paid balances in full, they closed me down because i was a victim of id theft and some XXXX went on my credit report and even though i sent them the police report and transunion deleted that fraud off my report there still denying me
Consumer complaint received 2017-10-04
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. (NV)

Checked my credit report recently. There are many inquiries that are not from me. I tried contacting these companies to remove them but they were no help. Please help me remove this inaccurate information. Ive compiled pictures and a list of the inaccuracies. 



XXXX CREDIT/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX *****ALASKA XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX XXXX XXXX *****XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, OH XXXX BYMAILONLY***** *****XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( Reseller ) XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX *****XXXX XXXX XXXXXXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX *****XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ******XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX *****XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ******XXXX XX/XX/XXXX XX/XX/XXXX Retail, Not Elsewhere Classified XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY****** ******XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY****** ******XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX ******XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ******XXXX XXXX XXXX &XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX XXXX XXXX ******XXXX/XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX *****RENTAL PROPERTY XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( Reseller ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ******ST XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX *****XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ******XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX These are not from me and have been applied by someone else by fraud . I will lock my credit reports after these are removed.
Consumer complaint received 2016-03-02
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

I sent a MoneyGram to my son. When he tried to collect the money they said they needed more info. I called the number, was on hold over 30 min. and was disconnected. Called again, on hold another 30 min. 
Why does it take so long just to give them info they already have? My son is needing this money now! Called third time and got disconnected again.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

The Experian will not freeze my credit report online despite entering all the required information asked by their website. 
I also tried their phone number to freeze my credit report without any success. 
They would like me to send the information by snail mail which is highly inconvenient. 

I did not have any problem freezing my info with XXXX and XXXX. 
I believe Experian has purposely made it hard so that consumers are forced to subscribe to their paid subscription to lock credit. I am sure they are violating some consent decree by making it impossible to freeze my credit report online.. 

It is extremely annoying that Experian makes money on my credit and makes it harder for me to control it.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

On my Experian and XXXX report it's showing a closed account as opened and this account associated with XXXX XXXX has been closed since XX/XX/2016 and their still reporting new missed payments.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital one auto finance has reported false information to my credit report 3 to 4 times already. XXXX has dropped my credit tremendously, yet failed to provide an actual date for the false late payments, that capital one finance has sent out. My reports on all 3 credit bureaus are different. This is a clear violation of the FCRA 15 .U.S Code 1681e id like to have the false late payments as well as any points, taken from my credit report placed back on due to this violation of my right. I shall attach the proof as well. Capital one reports the end of each month. Lastly my balance is XXXX $ this account has been payed down XXXX less than a year and XXXX may gotten an XXXX point increase. Its absolutely ludicrous and unbelievable how unfair and inhumane the credit system is. Drop me XXXX points for missing a falsified XXXX $ payment. But gives XXXX points for XXXX in payments
Consumer complaint received 2017-10-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Due to Hurricane Ir
ma in XX/XX/XXXX in XXXXg Fla I call my mortgage company Carrington Mortgage Service the following week and advised that based on the Forbearance law or act that I needed two months of payments added to the end of my mortgage term, This was done immediately. I received a document from Carrington advising me to fill out RMA Request For Mortgage Assistance. I am totally confused since they are requesting me to make XX/XX/XXXX and XX/XX/XXXX payments no later than XX/XX/XXXX. I was not given this information when talking with the first CSR on XX/XX/XXXX This complaint is regarding the Forbearance. Refraining from the enforcement of something such as a debt, right or obligation that is due.
Consumer complaint received 2017-10-04
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. (TX)

Experian XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX This complaint involves Experian and their failure to remove an incorrect account as noted above. 

I have never had an account with XXXX ending in XXXX. At one time this some account was reported on all three CB 's ; however, after contacting XXXX and XXXX  informing them this was not my debt they both removed. 

Not so with XXXX ending in XXXX, I have repeatedly requested evidence of the debt which they have have not provided because I have never had an account with XXXX ending in XXXX and Experian upon written request has not removed incorrectly reported account, nor provided evidence of debt because they are unable to due not business relationship on my behalf with XXXX for an account ending in XXXX. 

Experian has failed to adhere to law related to credit reporting, fairness to the process and performed poorly as corporate citizen in this regard.
Consumer complaint received 2019-03-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

I just did a Refi on my home, my escrow balance was {$240.00} in XX/XX/XXXX, and an payment of {$50.00} in XX/XX/XXXX, for a total balance of {$290.00}, prior to the closing of the Refi ( XX/XX/XXXX ), The Escrow was NOT merged into the new loan as they charged me {$440.00} for the escrow on the XXXX, I called them today and they said that a payment of {$170.00} was made and the balance of {$67.00} is to be returned to me, My question is where did that {$170.00} go and where is the {$50.00} which was paid on XX/XX/XXXX for a total of {$220.00} missing, My Home owners Insurance is not due until XX/XX/XXXX, and I am a XXXX  % XXXX Service Connected Veteran, i am Exempt from Property Taxes, when I called an XXXX XXXX said that i would have to contact loan servicing by email, at Shell Point ( XXXX ) as they do not have any telephone numbers.. 
this company use to be XXXX then my loan servicing changed to XXXX and now is Shell point to me this sounds fishy like a shell game to avoid laws and or taxes
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have been trying to get XXXX XXXX XXXX to remove inaccurate credit reporting information for over 4 years. Recently, because of an investigation by the credit report agencies and XXXX XXXX it was discovered that my mail forwarding address from XXXX XXXX, when the loan was transferred to XXXX XXXX XXXX, was inaccurate. I have never lived at the address listed from XXXX of XXXX and did not receive mail at my correct address during this time. As a result XXXX XXXX put my account as delinquent without any notification having been received. My account has since remained in good standing. I have tried to have this resolved NUMEROUS times filing disputes, talking to supervisors, and even getting the XXXX involved to no avail. XXXX XXXX servicing always says that the reporting information is correct when in fact it is not. This violates the Fair Credit Reporting ACT which I have made them aware of numerous times. THEY ARE NOT COOPERATIVE AND DO NOT PROVIDE ACCURATE INFORMATION. This has caused me great financial distress. I have been denied auto loans and could not secure housing because of this on going issue.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (MO)

My loan was transferred from XXXX to NewRez in XXXX last year 2023, which is basically the same company. When I call their phone number, the automated service asks you to press a number to find which one. In XX/XX/year>. I paid XXXX my mortgage payment but I can't find where it was drafted from my account. Later in XXXX due to the NewRez swap, I realized I was late I made my XXXX and XXXX payment and they decided to give me a delinquent mark. The only reason the payment was late was due to their mess up! Furthermore, My credit is showing XXXX mortgage balances for the same loan under both NewRez and XXXX.
Consumer complaint received 2020-07-12
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 {$2100.00}, {$16000.00}, {$21000.00}, {$0.00}, {$11000.00}, {$0.00}, {$6900.00}, {$1200.00}, {$4800.00}, {$12000.00}. 
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 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 )  -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2017-12-26
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. (FL)

XXXX XXXX, I disputed inaccuracies with the 3 Credit Bureaus, Transunion, XXXX, and XXXX, asking for validation of debt, upon the XXXX- day response limitation, the collection agency XXXX XXXX XXXX XXXX XXXX. sent a copy of my medical records, with a diagnosis of my injuries. I disputed with the 3 credit bureaus with a copy of the letter sent by the collection agency with a letter stating my HIPPA rights had been violated. The 3 credit bureaus did not respond. A letter dated XXXX XXXX, XXXX, was received of validation, from the collection agency XXXX and XXXX, XXXX. with another copy of my hospital visit with the diagnosis and also with the type of medication and dosage I was prescribed, and asking for a check.