davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX submitted a dispute to Equifax regarding an account in collection on my report from XXXX XXXX XXXX in the amount of {$1200.00} that is listed from XX/XX/XXXX originally opened and XX/XX/XXXX last delinquent. In this dispute I requested a copy of the original contract signed by me that resulted in this debt. I received a response saying that the collection item was verified as accurate but I did not receive a copy of the contract with my signature that substantiates my debt. Also, Equifax updated my credit report to show that the account was first opened in XX/XX/XXXX, so it appears that I have a new delinquent account recently opened, which has caused my credit score to drop by over XXXX points today. This account does not belong to me, and it is being reported in a derogatory way that is affecting my credit report.
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (IL)

First off I am XXXX, my mom helps me with all my decisions, and she showed me that I received a preapproved XXXX XXXX, I use this for personal [ college ] purchases and I also purchased some items for my trophy truck. My mom said this would help build my credit and have some responsibilities. Prior to moving to Illinois that balance was paid. We arrived here and get this bill for {$4000.00} and I immediately called XXXX and wanted to know what was going on. They said they were going to research and came back with this as your IP address, name, SS number, and date of birth, but the wrong address. These charges were from XXXX XXXX XXXX XXXX XXXX XXXXz. And they said this is your responsibility because everything comes back to your identity. I have been fighting this for the past 2 years. I am trying to raise my credit score as I am purchasing a home with my mom and with this hoovering over my head I can not move forward.
Consumer complaint received 2024-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

RECENTLY, I HAVE REVIEWED MY CONSUMER REPORT AND NOTICED THAT YOU ARE ALLEGING THE FOLLOWING ACCOUNT IS OPEN WITHOUT HAVING FURNISHED ANY SUBSTANTIAL PROOFS OR EVIDENCE OF YOUR CLAIM. ACCORDING TO FEDERAL LAW, IN ORDER FOR YOU TO REPORT THIS ACCOUNT YOU WOULD HAVE AHD TO VERIFY AND VALIDATE ALL ALLEGED DEBT. AS OF XX/XX/2024 THE FOLLOWING ACCOUNTS HAVE NOT BEEN VALIDATED. AS A RESULT OF THIS THEY MUST IMMEDIATELY BE REMOVED FROM MY REPORT AS I DO CHALLENGE THEIR VALIDITY. PURSUANT 15 USC 1681B. 

LVNV FUNDING LLC Last reported XXXX XXXX, 2024 {$580.00} Open balance
Consumer complaint received 2024-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (LA)

I, Mailed Certified letters on XX/XX/2024 to both the dealership and Registered Agent of the Finance Company requesting Full Accounting according to UCC 9-210. I have not received as of date the current information.
Consumer complaint received 2024-02-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (MI)

I called XXXX Bank and reported that my Chime Credit Builder card was stolen. I was at my local gas station by me getting gas I believed I dropped my card because I was rushing and got distracted by a panhandler. 

I reported XXXX unauthorized charges and filed a dispute for both charges that was made XXXX XXXX {$80.00} XXXX XXXX {$25.00} XXXX XXXX was denied I made an identity theft report and sent it to the bank
Consumer complaint received 2020-09-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (VA)

On XX/XX/XXXX, I used Paypal to send a payment to purchase software from a company called XXXX. XXXX ripped us off and I disputed the charge through Paypal. We received a refund. Mysteriously, on XX/XX/XXXX I was charged ( 2 ) charges from XXXX for {$49.00} and {$79.00}. I did not authorize these charges. I reached out to XXXX at XXXX XXXX XXXX XXXX XXXX which is the number on their website. They do not receive calls. They only have a recording that says no one can take calls. There was a number in the Paypal transaction that I tried to call XXXX XXXX also with no success. Paypal closed the case with the response of : The payment in question was sent as part of a billing agreement you previously set up with the merchant. 
We've now canceled this agreement for you to prevent any other unwanted transactions. Moving forward please be sure to review all your active billing agreements. If you need a refund for a payment sent using an active billing agreement, please contact the merchant directly. 

First off, I do not know what a billing agreement is or that one existed. Secondly, if this was linked to the rip off purchase last year, then why did no one terminate the billing agreement when I received a refund last year? 

Paypal has put this situation in my lap saying I must contact the merchant. The merchant is impossible to contact. I want a refund for these charges. I did not authorize them. I did not authorize a billing agreement. I do not want XXXX 's software that they already ripped me off on once. We already had a battle with XXXX last year and was awarded a refund by Paypal. Paypal should have never authorized them to ever charge me again. 

The claim number is XXXX. Paypal declined to process the refund claim.
Consumer complaint received 2024-02-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (IL)

On XX/XX/XXXX my husband, XXXX XXXX and myself, XXXX XXXX started a 3 year lease. Everything went as planned with on time payments per our contract until late XX/XX/XXXX. We decided we wanted to purchase this lease vehicle with a loan. We tried to finance a loan with XXXX bank, but they explained they do not provide lease buy out loans. We then tried XXXX XXXX XXXX  with took an application on XX/XX/XXXX. After lots of calls and difficulties we found our from their Regional Loan Manager XXXX they also don't provide lease buyout loans either. 
On XX/XX/XXXX I called XXXX Kia in XXXX to ask if they help with financing lease buyout loans. XXXX, their representative at the dealership, said they would be happy to help us. We drove about an hour to visit them for XXXX and the Manager to explain XXXX XXXX didn't want the dealership handling these loans and they gave us a service line of XXXX to get a loan by phone. We called only to be told Kia doesn't offer lease buyouts. This has become absurd as all we are trying to do is complete our lease with the purchase of this vehicle. How is it legal for our contract to say that we can purchase this vehicle if Kia Finance is blocking us from executing this part of our signed contract with them? At the very least this is bad business, but I suspect that it is borderline fraud given that we have completed our obligations but Kia refuses to help with selling us this vehicle. At the very least you would think Kia representatives would be trained about how to properly service their products given that the dealership gave us wrong information. The service representative on the phone offered us a way to extend our lease up to 6 months, but this makes me think this is a known issue that Kia just isn't fixing. I have all the relevant documents, dates of calls, and all the leg work it has taken to discover this issue. Please at least attempt to see if you can help with this issue. XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$590.00}
Consumer complaint received 2020-07-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION (NV)

I recently got a disturbing email from FIFTH THIRD BANK as it relates to a now closed auto account. The email stated that i changed my mailing address which is false, i didnt change anything at all, been only waiting for title. It seemed as though someone on their staff inputted a previous address from well over a year ago. For what? To ensure i dont get my car title? This is absurd. I paid off my car completely, sent the payout wired funds on XX/XX/XXXX, i was told i'd be mailed my title ( pink slip ) soon thereafter ( 10days after ) It is now XX/XX/XXXX, i just got off the phone with a FIFTH THIRD BANK customer service rep who said she just removed the old address and Reupdated the mailing address to my current which in my online portal was already showing this whole time ... 
I am filing this complaint under CFPB so that i can feel secure that i'll receive my title TO MY CURRENT AND ACTUAL ADDRESS, and in a timely manner.
Consumer complaint received 2016-10-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

We have an old second mortgage with bank of america that was DISCHARGED in a chapter XXXX bankruptcy. We have opportunity to refinance as we have a high rate ( 8.1 % ) mortgage but bank of america WANTS US TO MAKE PAYMENTS ON A MORTGAGE THAT WAS DISCHARGED IN BANKRUPTCY. We owe much much more on the home than value even the first mortgage ( owe {$190000.00} first mortgage house worth {$160000.00} ) so we do n't understand bofa and why they want to have us make payments. The first mortgage is helping but bofa is very uncooperative.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXXXXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX, XXXX AND XXXX XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA (NC)

PURSUANT TO 15 USC 168a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 168a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title15 chapter 41.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I filed a complaint against the three credit bureaus back on XX/XX/XXXX through your portal under the following complaint ID numbers : ID FOR COMPLAINT SENT TO XXXX   XXXX, ID FOR COMPLAINT SENT TO TRANSUNION XXXX, ID FOR COMPLAINT SENT TO XXXX XXXX. 
The results that came back was that the following addresses were going to be removed : Transunion - XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX - XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX - XXXX XXXX XXXX CT XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2016-09-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been unable to make over the phone perdon-to-person direct contact to converse with on any matter related to my home loan mortgage account status including the currently assigned single point of contact ( XXXX ), anyone within the XXXX 's unit, or the XXXX 's supervisor. The Bank of America customer service representatives I have been able to get on the telephone do not count as they do not have access to the information I need and have been trying to connect with the XXXX to get. I have left several messages with the XXXX and have yet to receive any response addressing my multitude of concerns.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (HI)

To Whom It May Concern : This is my second time writing to you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report, with the exception of : My Full Legal Name : XXXX XXXX XXXX XXXX My Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Hawaii XXXX Please delete all other personal information, including all employers, addresses I can no longer receive mail or any correspondence from, and I have no access to any of them, which in some cases could lead to identity theft. Please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-18
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: EQUIFAX, INC. (MS)

Balance details Paid off - Balance - Balance updated - Original balance {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/2020 Account type Secured Loan
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-23
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. (DC)

CFPB : CFPB OPEN AND INVESTIGATE THIS COMPANIES REFUSAL TO OPEN AND PRODUCE FCRA SECTION 609 ORIGINAL DOCUMENTS WITH MY SIGANTURE AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. THIS ALLEGED ACCOUNT IS ALLEGED AND MUST BE PROVED UNDER SECTION 609 OF FCRA.THIS ALLEGED ACCOUNT IS OVER 7 YEARS OLD, YET STILL BEING REPORTED. REMOVE IT IMMEDIATELY FROM MY CREDIT REPORT!! i do not acknowledge this debt and I demand it be removed from my tri-bureau credit report immediately!! this alleged debt is well over 7 years old. I am also a victim TWICE of identity theft from office of personnel management and XXXX. 
THIS COMPANY IS IS REFUSING, UNDER THE LAW TO PROPERLY INVESTIGATE this alleged account UNDER SECTION 609 OF FCRA AND I DISPUTED IT AND THEY REFUSED TO PRODUCE SECTION 609 DATA WITH MY SIGNATURE, THEY WERE SENT, THOUGH THE CFPB,. THIS COMPANY IS VIOLATING THE LAW AND I DEMAND THEY COMPLY AND DO A 609 INVESTIGATION AND REMOVE IT FROM MY CREDIT REPORT IMMEDIATELY!! I am a XXXX person and XXXX XXXX XXXX XXXX  and XXXX XXXX is discriminating against our nations XXXX XXXXXXXX XXXX and refusal to remove is making me homeless starving and freezing.