davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HYUNDAI CAPITAL AMERICA (MA)

I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, SC in XX/XX/XXXX. It was a brand new vehicle. To make a very long story short, I had to get my engine replaced in late XXXX due to the engine malfunctioning and it throwing a rod. It took 3 months to repair because the dealership was behind due to other people having engine malfunctions. It took weeks to get a rental which was hectic because me and my husband both worked and commuted with a XXXXyear old. After my husband drove my car off the lot, my car was sounding a little funny, almost like a sucking nose that we ended up having to take back to the dealership to have them tell me that I needed to pay a diagnostic charge even though my car was well under warranty limit. I ended up speaking with the manager and he had the technician look at it to only be told it was nothing engine related even though my engine light was on! A few months after that, my car started losing power and was inoperable. I had it towed to the same dealership only to be told that I needed another engine replacement due to low pressure in one cylinder! The dealership told me that I would be responsible to pay and the warranty would not cover repairs since they already took care of it the first time. The cost to repair would have been over what the value of my car is. Me and my husband had to leave my car at the dealership since it was not drive-able. I received a letter in XX/XX/XXXX stating that they plan on selling the vehicle and they ended up selling the vehicle at auction for {$1700.00} in XX/XX/XXXX. I recently just found out that my car is under recall for the same reasons it was in the shop the first 3 times since XX/XX/XXXX. Hyundai concludes that the XXXX XXXX  were having engine and mechanical issues. I have a recall number and have spoke to 3 different departments to see what I can do to resolve the balance I have left to pay on the car of {$8700.00}. I knew there must have been an issue since the last few times Ive went to the dealership there were a lot of vehicles needing engine replacements. I have documentation that states the dealership used faulty parts in the first engine repair And I believe it wasnt fixed correctly the first time. If it had been recognized sooner, I could still be driving my vehicle and have the issues fixed but because Hyundai waited to long to investigate the issues I have to suffer. Ive sent 2 letters to the CEO to have my case reviewed because it is not fair to me. This has been frustrating to deal with the past few years and its affecting me and my husbands credit and I need it resolved especially since this was not our faults and we were denied the use of the warranty we were paying for. These vehicles are not safe.
Consumer complaint received 2021-10-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (PA)

On XX/XX/2021 I sent a letter to SOURCE RECEIVABLES MANAGEMENT. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Consumer complaint received 2020-08-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (CA)

This is the second time, I've had to file a CFPB complaint against this entity. 
In my original complaint, Hyundai acknowledged that they were inappropriately failing to apply my payment which was within their possession, for nearly two months. After repeated efforts, they applied the payment they had all along, but during the timeframe made multiple violations for the FDCP ( Fair Debt Collection Practices ) Under 15 USC 1692f 808. Unfair practices 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 : The company upon my attempts to stop their unlawful behavior which violates my Vehicle installment contract, XXXX, California, and Likely various federal laws, as repeatedly attempted to inform me about the attempts to collect a debt from me, which is not legally owed to them. 

This practice is prohibited. 
I've obeyed the law, and informed them multiple times of the original infractions that continued. 

Here we are another month, and another payment that they've failed to allocate to my account, I am at risk of negative credit effects from this lawless action. 
And the company doesn't care, I spoke to the company a week or so ago, and they confirmed they would resolve this. To date, and wit, it has NOT been resolved. 

At this stage, with the repeated violations of my Vehicle installment contract, the Fair Debt Collection Practices, and the overall stress this is causing, I am filing this complaint to document their continued unlawful behaviors.
Consumer complaint received 2021-07-13
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. (GA)

I've been trying to correct incorrect information contained in my credit reports with EQUIFAX, XXXX  and XXXX since XX/XX/2021. I mailed certified letters on XX/XX/2021 requesting XXXX and XXXX to correct the information contained in my credit reports with their companies and they updated the information. I faxed the required information ( a copy of my Social Security Card, Driver 's License and/or an Official Document to update my name. ) to EQUIFAX on XX/XX/2021, they corrected all of the incorrect information contained in my credit report with their company except my name. I thought it must be a mistake or system oversight so on XX/XX/2021 I mailed EQUIFAX a certified letter with the same information and they sent back the results of their investigation asking me to resubmit a copy of my Social Security Card, Driver 's License and/or an Official Document to update my name. This was my second attempt to request that EQUIFAX correct the incorrect information contained in my credit report with their company. I've never been a XXXX and I've provide the required documents proving my identity. This is adversely affecting my credit score and the decision of companies that use EQUIFAX to determine creditworthiness to extend me credit.
Consumer complaint received 2021-09-03
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: Upgrade, Inc. (CA)

In late XXXX to early XXXX, XXXX, my XXXX  account was hacked and my debit card info stolen. During this time, the subject attempted to apply for several loans and credit cards and was able to open one with Upgrade Inc. After I obtained access back to my XXXX  account, I placed a fraud alert. I was not notified of the Upgrade credit card account until mid XXXX once it popped up on my credit report. It said that this account owed nearly {$10000.00}. I did not apply for this account and contacted Upgrade. I sent them the requested documents to their claims department as directed by the employee. Its been three weeks and I havent received a response even after sending several emails and voicemails requested a reply. This fraudulent account has also resulted in approximately {$3500.00} being withdrawn automatically from my checking account. I have received zero assistance from Upgrade Inc regarding this fraudulent account.
Consumer complaint received 2021-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (HI)

I received a phone call, XX/XX/XXXX, stating a Civil Legal Complaint had been filed from XXXX XXXX, Hawaii. 

They left the phone number for the law firm handling my case, ( XXXX ) XXXX & Case Number XXXX - to which I called. The gentlemen I spoke to confirmed the information in the message I'd received via my case number. He asked me to confirm the last 4 of my SSN ( which I regrettably did ). He then read to me my entire SSN to which I did not acknowledge. 

I asked what this was from and he stated that it was an outstanding debt from Chase Bank. I explained that the debt was from XXXX and was time barred/statute of limitations. He told me that the climate had changed and they were pursuing civil legal action and that I would receive notice by mail. I've yet to receive any notice. 

I've tried to contact the number again but there is no answer. I've additionally placed a freeze with the credit bureaus. 


Thank-you, XXXX XXXX XXXX
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NJ)

A JPMCB CARD ( Chase ) appears on my report for more than 150-180 past due days and they are still reporting it to the credit reporting agencies and are trying to collect interest and late fees on this account. By legal right and by the Fair Credit Reporting Act this account needs to be charge-off or delete from my credit report " WELL TO KEEP GAINING INTEREST FEES AND LATE PAYMENTS FEE THIS COMPANY IS NOT REPORTING THE ACURATE DATES TO THE CREDIT REPORTING AGENCIES ''
Consumer complaint received 2022-09-26
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. (FL)

XXXX XXXX XXXX  # XXXX {$1000.00} XX/XX/2020 XXXX XXXX XXXX  # XXXX {$400.00} XX/XX/2020 THE FOLLOWING ACCOUNTS ARE REPORTING INCORRECTLY
Consumer complaint received 2020-08-14
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. (NJ)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-08-15
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: LEXISNEXIS (TN)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E. Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX . My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX,TN XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XX/XX/XXXX
XXXX XXXX XXXX, XXXX, TN XXXX 
XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX   TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX  
XXXX   XXXX XXXX XXXX XXXX XXXX, TN XXXX  
XXXX XXXX XXXX, XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TN XXXXXX/XX/XXXX
XXXX   XXXX XXXX XXXX XXXX, XXXX TN XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, TN XXXXXX/XX/XXXX Please remove the following  numbers :  (XXXX) XXXX  XXXX) XXXX (XXXX) XXXX (XXXX) XXXXXXXX (XXXX) XXXX (XXXX) XXXX
(XXXX) XXXX  (XXXX) XXXXXXXX (XXXX) XXXX  The following account is not mines:XXXX #XXXX
Consumer complaint received 2021-10-02
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: Avant Holding Company, Inc. (GA)

The company is AVANT. I disputed this AVANT account as fraud back in XXXX AVANT did remove the fraudulent account from both my XXXX and XXXX accounts. AVANT has been however reporting actively month over month as a charge off account since that time on my XXXX account. This has been affecting my reputation and credit profile negatively. I am demanding that all reporting attempts on this fraudulent account cease and desist and be immediately deleted from my XXXX and credit profiles permanently.
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (OH)

I never applied for this card ( US Bank ReliaCard ) and have no idea how this company went through a financial application without my knowledge or approval. My name is from a previous marriage which ended in 1997 and the first name is spelled incorrectly. I did apply for unemployment and did respond with NO DEBIT Card required. 

I am reporting US Bank as a potential scam. This is very disturbing and I want this cancelled and made known to the Ohio Unemployment Services as well as to your company. This is financial abuse. You had no right to my information however wrong it is indicated on this debit card.
Consumer complaint received 2018-05-09
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: EQUIFAX, INC. (NJ)

A mysterious secured loan account appeared on my credit reports from XXXX XXXX XXXX, it states that it was open on XX/XX/XXXX, states that it has been 30-59 days late with payments, last payment on XX/XX/XXXX, and that the account is now closed.  I did not open and secured or unsecured loans in over a year.  I have never heard of XXXX XXXX XXXX.  This is fraud.  I have contacted them and the credit bureaus and it still is showing on my credit reports. XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

As of XX/XX/2023 Equifax is reporting inaccurate late payments on my credit report. 
This is a billing error and these accounts are in violation. I've always paid as agreed on time. I demand the following accounts be verified or removed immediately. I have also attached payment history for both accounts. 

XXXX. XXXX XXXX XXXX XXXX this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX XXXX XXXX  I demand that you confirm and affirm all allegations of the late payments that you are reporting. I requested the transaction history for my accounts that I have yet to receive. That is admission to your failure to keep proper reporting of my account 2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX I demand that you confirm and affirm all allegations of the late payments that you are reporting. I requested the transaction history for my accounts that I have yet to receive. That is admission to your failure to keep proper reporting of my account
Consumer complaint received 2020-08-14
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: U.S. BANCORP (IA)

I received a call from XXXX XXXX XXXX about a credit card debt owed by US Bank. They said that I took out the credit card in XXXX and defaulted on it in XXXX. I never had a credit card with US Bank. 
They called me XX/XX/XXXX, in the evening. I called US Bank on XX/XX/XXXX in the morning. US Bank has no record of me ever having a credit card with them. The only account I have ever had with them is my son 's account because he opened it before he turned XXXX. 
I called XXXX XXXX XXXX back and let them know that US Bank said that I never had an account with them and that they do not delete accounts they sell for collection until after 7 years. 
XXXX XXXX XXXX insisted that I settle the account or they would get a judgement against me for 10 years, attach my wages and bank account and any property and vehicles that I own. 
US Bank told me that they have to be a phishing scam looking for information from me. 
I told XXXX XXXX XXXX to take me to court because I was not paying them anything on this because the account never existed.
Consumer complaint received 2020-08-14
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. (AL)

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. US DEPT ED XXXX {$1700.00} XXXX XXXX XXXX XXXX {$300.00} USDEPTED XXXX {$1700.00}
Consumer complaint received 2020-08-14
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. (IL)

XX/XX/2020 Dear : Consumer Financial Protection Bureau ( CFPB ) I am writing to inform you of unfair credit and debt reporting from the three credit bureaus. 

It is seemingly harder to dispute unfair credit and debt reporting online and through their mobile Applications ( Apps ). With recurring and repeated erroneous data keep coming back with no proof besides the words of the creditors who have charged off. Unscrupulous Debt collections are just adding to credit reports without writing letters that is a requirement for the Fair Debt to dispute within 30 days nor providing why it was placed on your credit report. According to Federal Trade Commission Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a consumer reporting company ) are responsible for correcting inaccurate or incomplete information in your report. To take full advantage of your rights under this law, contact the credit reporting company and the information provider. All three credit bureaus are just taking the creditors word and providing proof and lawful evidence to the consumer and reinstating Incomplete, Outdated, Unverified, and inaccurate data. 
I have asked for a letter asking the credit bureaus for the proof of signed documents or electronic signatures that support the hard inquires. Proof that debt collectors are licensed to practice in the state of Illinois, authorization to collect and provide legal evidence that they are the true owners or purchasers of the outdated debt and the statute of limitations for the state has passed. The Credit Bureaus have not replied or sent irrelevant information and kept the erroneous information on my credit report. 
In addition, they are reporting inaccurate disparate credit usage amounts and data before payment dates are due by the creditor. 
Late Payments Collections Foreclosures Inaccuracies Unverified Inquiries Charge Offs Incomplete data Outdated and Statute of Limitations has expired
Consumer complaint received 2021-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION (FL)

Attorneys for WSFS have provided 400 BLANK page so Discovery twice- Provide the trust paperwork for XXXX XXXX XXXX XXXX it is not listed in XXXX Wilmington Savings Fund society , FSB , d/b/a Christiana Trust, not individually but as Trustee for XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL WSFS-you are suing me and I want/need Discovery
Consumer complaint received 2020-08-14
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX {$490.00} XXXX   XXXX {$600.00} XXXX XXXX {$500.00} XXXX XXXX {$630.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$410.00} XXXX   XXXX {$2700.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX {$0.00}
Consumer complaint received 2021-07-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (MO)

In XXXX of XXXX I terminated an electric account with XXXX Missouri when I sold my property, XXXX attempted to collect payments months after claiming the power was still on, after a complaint, XXXX removed their collections attempts and was to correct the debt to {$0.00} as it was supposed to be. 5 years later in XXXX of XXXX AARGON COLLECTION AGENCY started reporting a collections account for a total of {$980.00} on behalf of XXXX Missouri to all 3 credit bureaus. XXXX of XXXX I discovered this error and disputed it with the credit bureaus who claimed to verify the debt. At no time did AARGON send an original notice of debt nor did they verify the debt despite my requesting it 3 separate times. This debt does not exist, this company waited until the statute of limitation had run out and then started reporting negative data to my credit, and they have violated the FCR by neglecting to send an original notice prior to reporting as well as attempting to circumnavigate limitation laws by falsely reporting an account opening date of XXXX and in doing so Federal law. This action is also a violation of slander and liable laws and is causing actual damages in their degradation of my credit score. The account I had with XXXX was closed in XXXX as paid in full and I have never had a contract with AARGON nor did I sign anything agreeing to pay AARGON for any service making the sale of any alleged debt illegal in the first place ( though this debt is not legitimate )