davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA (NC)

This is regards to a continuing issue with KIA Motor Finance that I have tried to work out a solution for 3 years. I have made several calls about this matter and providing emails to support my statements. I called XX/XX/XXXX to come pick up the car, that I had went into the United States XXXX, was having some issues with the car and could not afford to keep it. I was sent a form, faxed it back and they would call me with an appointment to come pick up the car. Never heard anything till a couple of weeks I called back again to make an appt. He said someone would come the following Wednesday between 2 and 4 and we verified. No show again. This goes on for about a month with no shows. Finally XXXX, XXXX we call and speak with XXXX XXXX XXXX resend him the form again ( email provided ). He is going to call us back and schedule an appt. NEVER hear from him again. XX/XX/XXXX my mother contacts XXXX again about picking up the car with no response. ( email provide ) I tried everything working with them with no prevail. I did not want the embarrassment of them coming into my mothers yard in the middle of the night and scaring her when we were willing to schedule an appointment and meet with them. Meanwhile she is paying insurance and taxes on the car. We also called the local KiA dealer and they would not take the car. Finally on XX/XX/XXXX my mother, which has my POA and is authorized on this account contacted KIA again about coming to pick up the car. Telling them that if they do not come pick it up she is charging {$20.00} per day. ( email provided ) As of today 's date that is {$7900.00} KiA owes. We have done all we know to get this matter resolved early on, this is penalizing me credit-wise. The information KIA is providing is inaccurate to all three bureaus. I have also provide inaccurate billing statement provided by Kia that are inconsistent with your credit reporting and KIAs previous response. ( email provided ).
Consumer complaint received 2024-01-19
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION (FL)

Dear Navy Federal Credit Union, I hope this email finds you well. My name is [ Your Name ], and I am writing to address a matter regarding my credit report. Upon reviewing my report, I noticed that an item has been marked as a charge-off. I understand that circumstances can lead to such situations, and I am reaching out to request the corresponding 1099 for this specific charge-off. 

Additionally, I want to provide context to my current financial situation. I unfortunately lost my job on XX/XX/year>, and despite my best efforts, I have not been able to secure employment since then. I attempted to communicate this to a representative in XXXX, but I continued to receive calls despite my explanation. 

I kindly request your assistance in providing the 1099 for the charged-off item, and I would appreciate any consideration given to my financial hardships during this challenging period. If there are any forms or procedures I need to follow, please guide me through the necessary steps. 

Thank you for your attention to this matter. I look forward to your prompt response and appreciate your understanding. 

Please send the 1099 to the address below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fl. XXXX Thank you, XXXX XXXX
Consumer complaint received 2020-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB (FL)

I already filed a complaint against this business and nothing happened! They continue to send me email traying to collect a debt that is not mine! I called them today, spoke to XXXX and she refused to remove my email address and refused to transfer me to a manager.
Consumer complaint received 2016-05-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

CHASE Bank sent me a letter indicating that it had decided to close a checking account that I opened with it over three years ago. When I contacted the bank seeking an explanation, XXXX consecutive representatives told me that no explanation was forthcoming stating that it was within the bank 's purview to close my account without giving me a reason why. 
In trying to find a reasonable explanation of the bank 's action, I explained to at least one of the representative that I 'm a XXXX person and that the money coming to this account is mostly from social security and from a part-time job I have as an XXXX, and that most of the withdrawals I make are to pay normal pecuniary expenses.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is a debt collection company named XXXX XXXX that is reporting a debt that they have not validated to me to prove the account is mines. They sent me a list of charges with no contractual signature or a way for me to know the account belongs to me other than an old name and old address from years ago along with charges. This account does not prove to be mine. I want to know how is this false information being verified.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Correction of Personal Information on Record Dear Sir/Madam, I am writing to request an urgent correction of my personal information that has been inaccurately recorded and possibly disseminated. It has come to my attention that there are multiple errors in records associated with my name and address, which I wish to rectify immediately to prevent any potential issues related to identity theft or financial inaccuracies. 
The correct information should be as follows : * Name : XXXX XXXX XXXX * Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX * Employment : XXXX XXXX XXXX However, the following incorrect information has been associated with my identity : * Alternate Names : XXXX XXXX, XXXX XXXX XXXX XXXX * Incorrect Addresses : * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The presence of this incorrect information is deeply concerning to me, and I am anxious to ensure that my records are accurate. I respectfully request the CFPB to take the following actions : * Investigate the origins of these errors. 
* Update my records to accurately reflect the correct information provided above. 
* Confirm with me in writing once these updates have been made. 
* Advise me on measures I can take to protect my personal information and prevent such errors in the future. 
I trust that the CFPB will address this issue with the urgency and seriousness it requires. Please contact me if you need any additional information or clarification regarding this matter. I look forward to a prompt resolution. 
Thank you for your attention to this important matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

XX/XX/2024 : XXXX ( MOHELA ), I was personally called about starting back my payment for my Student Loan that I am currently waiting for employment verification since XXXX and resubmitted at end of XXXX, during that time I am well over the required amount of payments of 120 for PSLF and should not have to pay any more money due to working in schools my entire working career. As we wait for that, the person From MOHELA called this morning, and explained that it was all on the department of education in terms of when the employment verification would happen. I understood that, but then she implied that we would not receive PSLF forgiveness unless we were current with the loan or paid back the now 2 months we have decided not to pay on the loan, based on the fact that forgiveness should have been resolved prior to payments resuming. As we have been lied to by these companies in the past and have lost over XXXX dollars it is hard for me to trust that in paying them, once my loan is forgiven which it will be, that magically I would somehow receive our money back. Hard to understand that once you are finished with a loan that you would somehow need to continue to pay on it after these multiple 90 day periods of waiting. Would love some help in making sure others are not lied too, and any help would be appreciated. Thank you.
Consumer complaint received 2020-12-06
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

Experian has stated it gets information From XXXX. The only way I found that out was to ask for a supervisor. At first I was told they don't give out that information. How can one dispute any info on a credit report if they don't have the source to which Experian uses? 

I provided documentation showing that XXXX had removed a bankruptcy. They responded with " the company '' reports the information correct. I demand to know " WHAT COMPANY '' they are referring to, and provide me with that in writing from that company or remove the incorrect information from my credit report. If that's the case I can say " the company '' I reached out to removed the incorrect information. 

Experian is extremely secretive in regards to the fact they get information from XXXX. Doing a search only brings up Experian results. Then they tell you they only do disputes through mail. 

It very frustrating. This time I am clicking the check box below because I want others to be informed as to how they make it difficult to communicate with them when trying to have a bankruptcy removed. 

I contacted the court house and they do not give information to any credit bureau. I only want to be treated fairly.
Consumer complaint received 2021-11-29
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1500.00}
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (GA)

XXXX has been reporting and billing me for loans and credit card repayment that, I, the Beneficiary allegedly owe. However me being the beneficiary it doesn't benefits me to repay. I am writing to address the matter of the debt associated with my account. I am the beneficiary of the XXXX XXXX Living Trust, and repaying this debt is not beneficial based on a careful consideration of various factors. Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged debt would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the word credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property and estate. Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged debt, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged debt associated with my account in light of the trust relationship and equitable considerations. Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. Its three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. Thank you for your understanding and cooperation.
Consumer complaint received 2024-01-19
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)

I was denied credit ( loan ) through XXXX XXXX, who used credit reports from XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX XXXXL XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX E-mail : XXXX XXXX 
this is a violation as a consumer.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2016-09-08
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Couch Conville & Blitt LLC (TX)

I never received any documentation that the debt was sold or given a right to dispute. The item was parked on my credit and when i contacted them the only option they gave me to resolve this was to pay it. I tried to explain the debt wasnt mine and that I would be willing to settle it out of DESPERATION ONLY. I offered XXXX which was accepted and then never processed. I have since called them 37 times. Their legal representative XXXX XXXX XXXX refuses to return my calls. I NEED THIS ACCOUNT DELETED immediately as they are clearly PARKING it on my credit and not allowing me the opportunity to resolve this VOLUNTARILY.
Consumer complaint received 2020-07-07
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. (AL)

Ive tried multiple times to dispute Fraudulent information oN my reports. XXXX and Experian has customer service thats overseas and the workers barely understand English Ive been hung up on for lack of them understanding English. Ive contacted the company thats on my report and they says that theres no accounts listed in my name with them so why is it being reported on my account
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2024-01-19
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. (FL)

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2024-01-19
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. (MO)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION (IL)

I have a secured credit card with Navy Federal Credit Union. I'm not able to make payments on this card. I called their card services department to ask the account be closed and they can bill me for the {$20.00} late fee just incurred. The card services member informed me that the only way to close the account is to pay the late fee first. The implication is that if I'm not able to pay the late fee then the account remains open accruing more lates making it even more difficult to close the account. The credit card is secured and the interest for the month is {$4.00} but the late fee is {$20.00} which also seems to be abusive considering the amount of the interest due for the month. All I am asking is to close the account to not incur additional late fees and I will pay the late fee as soon as I am able.