davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-18
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: Strategic Alliances, Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2018-07-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XX/XX/2018 i received a phone call on my mothers cell phone from Portfolio Recovery. They stated that if I did not pay that I would be sued. Collections agent kept switching her story between telling me that the statute of limitations had passed, and that it hadn't passed and I was going to be sued because the statute was not up.
Consumer complaint received 2018-07-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (CT)

This is the letter that we had sent to Hyundai Motor Finance-Credit Dispute Center back on XX/XX/XXXX. Please review letter for description of events that had transpired leading up to this complaint : To Whom It May Concern : Today Im writing to request a goodwill adjustment to my credit files.

My son hopes to be attending college this fall, and my wife and I are in the process of applying for a student loan to help pay for his education. To our surprise, the lending company denied our application because of a negative mark on our credit report. We have always had excellent scores and have never had an issue securing credit. Upon further investigation, we discovered that our credit report from XXXX  included an Adverse Account from Hyundai Finance.

The lease agreement for the XXXX XXXX XXXX XXXX that we drove ran from XX/XX/XXXX through XX/XX/XXXX with a total of 36 payments. The first monthly payment was included in the amount due at lease signing. The remaining 35 monthly payments were consistently made on time. And at the end of the lease period the vehicle was returned directly to the dealership on time without issue. 

Some time after returning the vehicle we began receiving calls from XXXX XXXX, a debt collection company. Thinking it must have been some sort of scam, because we knew we were current with all our accounts, we ignored the calls. Then we received a letter from XXXX, dated XX/XX/XXXX. 

When I called XXXX regarding the letter I was stunned with the amount they were collecting, {$2500.00} for mile overage and excessive wear and tear. I immediately contacted the Lease Maturity Team at Hyundai regarding the balance due. My wife and I were under the impression that we had signed the leasing agreement with 14,000 miles per year. We checked our copy of the leasing agreement and, to our surprise, it indicated only 12,000 miles per year. So on XX/XX/XXXX we paid the balance in full via telephone with XXXX XXXX. With the debt paid, XXXX sent us a Release of Debt letter indicating that our account had been satisfied in full. 

To be clear, the Hyundai dealership never told us that we had overages on our mile allotment or that there were additional charges to be paid on our account, and we never received any bill directly from Hyundai Finance. We also never received any notification from Hyundai or XXXX that a late payment would be reported on our credit report as a negative mark. 

Taking into account our 36 months of on-time lease payments and the mitigating circumstances around the additional balance due, Im requesting a goodwill adjustment to our account and hope you will consider my request to have the Adverse Account removed from our credit report. 

Thank you for your time and consideration. We hope your compassionate resolution of this matter will help us secure a bright and productive future for our son.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

In XXXX, 2017, I entered a written dispute with XXXX XXXX XXXX XXXX  reference account number XXXX as contained on my consumer credit profile at Equifax, XXXX and XXXX XXXX. Specifically alleged, XXXX XXXX XXXX XXXX was attempting to collect a debt for which antiquated my credit profile by more than 7 years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 


XXXX XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX XXXX XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 


A review of records compiled by the state Division of Financial Services in Florida indicates that XXXX XXXX XXXX XXXX is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to Equifax, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 


Several phone calls to XXXX XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my Equifax, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.
Consumer complaint received 2022-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

Loan Provider : Mohela Date : XX/XX/2022 ( refund request made via phone call ) Amount : {$12000.00} ( refund ) I called Mohela Loan Servicer to request a refund for payments made during the pandemic. Total refund as determined by the representative is {$12000.00}. Since this call there have been no updates, no confirmations numbers given, no email updates. As a loan borrower I'm left in the dark and relying on all steps to be taken behind the scenes. This is how refunds and other borrowers ( such as myself ) slip through the cracks. While I'm sure the refund will show up eventually, there's no guarantee besides a potential timeline that keeps getting extended.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Do to being part of the XXXX hack a few years ago I purchased credit monitoring through XXXX XXXX XXXX part of Transunion ). During a recent refinance of vehicles XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where I have been a member for over 20 years financing and paying off vehicles, homes, and other loans, obtained a credit report from Transunion. That report stated that my credit score was XXXX and resulted in the interest being raised a full percentage point over what was originally offered. I immediately went on the XXXX XXXX website because I receive email alerts anytime there is a change to my credit score. I had not received an such email. The website stated that my credit score was XXXX and that had been the score on a chart for the last year. I then used a tool to update my credit score and it increased to XXXX. I also followed up with a phone call ( ridiculously hard to get through and the person I spoke to is XXXX, so was the supervisor I spoke to. I repeatedly asked to speak to someone in the United States and got denied. ) They did confirm that my credit score was XXXX but that there were different models use to determine scores and that I would need to talk to XXXX about the model used. I contacted XXXX, actually a person in XXXX XXXX working from home, they told me they were unable to answer that question, why my rate changed or what my credit score was.
Consumer complaint received 2024-02-02
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Account number : XXXX Certified Mail # Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XYZ Company it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all above disclosures required by Federal.

Yours Truly XXXX, XXXX ( All Rights Reserved )
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2018-07-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Broward Adjustment Services (MA)

Ive sent Several letters to this company over the past 3 years and advised them that the debt was not owed by me and Im XXXX and not liable. Advised them that I am exempt from collection attempts under the federal XXXX act. As of the writing of this complaint Im still receiving multiple collections calls from different untraceable numbers from this company and adverse actions on my credit file
Consumer complaint received 2018-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

Greetings! I have recently filed a complaint with CFPB, case # XXXX, and have receive a very unclear response. Since the company in question, CITI BANK does not reply to my follow up, not XXXX XXXX XXXX has ever picked up the phone, I am submitting another letter with more precise follow up questions. 

To recap : my XXXX credit card application was denied solely for the reason of my citizenship and/or immigration status. 

XXXX XXXX, please, address the following questions with as much precision as you can to help me fully understand the reason for the inability of your company to continue with the process : 1. In your original letter, you mentioned that " due to the United States laws and regulations pertaining to transactions with or in XXXX ''. QUESTION 1 : what laws and regulations you are referring to? Please, cite names and numbers, if applicable, so I can familiarize with them. NOTE : I have never heard of any such U.S. laws as I presently have and had in the past credit cards with all major banks. QUESTION 2 : if such laws and regulations exist, are other banks exempt from them? 

2. I would like to clarify the actual reason for the denial. To my knowledge, the bank is NOT making transactions WITH XXXX, NOR IN XXXX. I am a private citizen and live in the US for many years, I am a resident of this country and pay taxed as a resident. The back of the letter you sent me explicitly states that ECOA prohibits discrimination based on many factors, including national origin, provided the applicant has the capacity to enter into a binding contract. In my opinion, my credit records do show my capabilities and trustworthiness, unless you can present a reason why you would think otherwise. QUESTION 3 : how come your sole reason for the denial is my citizenship/immigration status? Isn't that a direct violation of the ECOA laws? I say : look at my credit score, not my passport! 

3. I was speaking several times with CITI BANK representatives and have been told repeatedly that CITI does not discriminate, even though in my mind, this is a direct discrimination based on citizenship status. QUESTION 4 : to help me better understand the discriminatory policy, please, provide a hypothetical example, where your company would indeed discriminate someone based on the same factor. 

4. QUESTION 5 : does CITI BANK have a unified policy towards ALL applicants? What I mean is whether any non-US citizen or XXXX XXXX holder is not able to obtain a XXXX credit card? Or Ukrainian citizens are in a specific list, for which CITI BANK does not want to open accounts? 

Thank you.
Consumer complaint received 2020-10-27
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. (NC)

XX/XX/2020 around XXXX XXXX In regrades of my XXXX  credit report, XXXX  credit, Equifax Credit. This is for all the credit Reports Agencies. All three want me to pay to monitor my credit even though I have fraud protection, freeze being a victim of Identity theft I have started checking my credit report every month sometime twice a month I also check with my creditors, my score was on XXXX on XX/XX/2020 after I spoke about my credit the gentlemen wanted me to pay for an upgrade I had did that before I told him no. And the next day XX/XX/2020 my score was taken down by four points. And they also ask about Boost up your credit with paying your utilizes bills but they only work with certain credit union and mine is not one of them. Another time XXXX all the way back to XXXX score up then every time I call with my credit report they want me to pay money, so I am wondering do I have to pay the credit bureau to have good credit even though I am paying my creditors. then I was ask to pay money to upgrade for my protection over my credit my response was why should I continue paying XXXX  {$20.00} a month more to raise my credit score up {$19.00} per month for Equifax. XXXX  {$29.00} per month. Now the way the economy going paying a total of {$70.00} a month is that fair to you all. I am a widow and I work very hard on my credit. Please stop lower my credit points for know reason.
Consumer complaint received 2020-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/2020 around XXXX XXXX In regrades of my XXXX  credit report, Transunion credit, XXXX  Credit. This is for all the credit Reports Agencies. All three want me to pay to monitor my credit even though I have fraud protection, freeze being a victim of Identity theft I have started checking my credit report every month sometime twice a month I also check with my creditors, my score was on XXXX on XX/XX/2020 after I spoke about my credit the gentlemen wanted me to pay for an upgrade I had did that before I told him no. And the next day XX/XX/2020 my score was taken down by four points. And they also ask about Boost up your credit with paying your utilizes bills but they only work with certain credit union and mine is not one of them. Another time XXXX all the way back to XXXX score up then every time I call with my credit report they want me to pay money, so I am wondering do I have to pay the credit bureau to have good credit even though I am paying my creditors. then I was ask to pay money to upgrade for my protection over my credit my response was why should I continue paying XXXX  {$20.00} a month more to raise my credit score up {$19.00} per month for XXXX. Transunion {$29.00} per month. Now the way the economy going paying a total of {$70.00} a month is that fair to you all. I am a widow and I work very hard on my credit. Please stop lower my credit points for know reason.
Consumer complaint received 2019-06-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC. (NC)

Please accept this Qualified Written Request for a copy of the Notice of Hearing for a specific file number identified by SunTrust 's law firm as " File No. XXXX ''. This " Notice of Hearing '' is distinct and separate from File No. XXXX found within Court file XXXX XXXX XXXX and XXXX within XXXX XXXX XXXX respectfully. 

Thank you - XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-08
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. (NJ)

Equifax mishandled my information, which puts me and countless other people at risk. According to their equifaxsecurity2017.com website I am a potential victim of the companies negligence in securing my data and reporting the breach in XX/XX/XXXX to consumers, and would like a resolution. The current " FREE '' option they are providing to protect the customers ties to it the release of my rights to hold the company liable for any damage their negligence cause to my identity or credit.
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I asked credit report agency to verify accuracies on my credit report on XX/XX/22 for {$140.00} to XXXX XXXX XXXX. 
In accordance with the Fair Reporting Act XXXX  account XXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A states I have a right to privacy. 15 U.S.C. 1681 section 604 A s
ection 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-12-09
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: Nelson Cruz & Associates LLC (NC)

sent two letters one on XX/XX/2020 and the other one on XX/XX/2020 to Nelson Cruz about an account reporting on my credit a formal notice that claim disputed requesting validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act along with the correspond-ing local state laws. I requested " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  And XXXX ) from your company or any company that represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA : Therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I have not heard from them in 60 days but they stated on my XXXX  report that the Outcome Remains-The company that reported the information has certified to XXXX  that the information is accurate. The item was not changed as a result of there processing of my dispute.How is this fair and accurate I have never signed a contract with them nor any company they represent
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

During the first week of XX/XX/2020, when I logged into my Bank of America Business Checking account, I noticed a charge for {$880000.00} ( When I called the bank I was alerted that this meant my account was frozen and scheduled to be closed. I was told the process could take a week and the funds would be returned. Every couple days I called Bank of America to discuss the status. I was told on at least 3 different days my account is scheduled to close the following day, and check would be sent out. Well that never happened. Then on XXXX XXXX I called Bank of America to ask for a status of my funds and was told a note on the account said my money will not be returned to me but no reason was listed. I spoke with a supervisor and they sent a note to the back office and told me to call in 24-48 hours of an update. On XXXX XX/XX/2020, I call and speak to a supervisor again, and I'm told there is no update and my funds are still pending held and no reason is given. It's coming up on nearly a month and I need the remaining XXXX in my account to continue operating my company. I was told the bank closed my account as a business decision, that's fine, I want my money back.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (FL)

Convergent outsourcing had my account, from XXXX, for a bill that was incorrect, I disputed them and asked for supporting evidence of this amount they claim I owe, they refused to send it. I disputed and they rejected the dispute XXXX aparantly fired them they do not have my account, they still report on my credit report that I owe them!!! 

I owe nothing