davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed items which do not belong to me. I researchedand found out that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please remove these files listed Below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NV XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature XXXX another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX, EQUIFAX and XXXX do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (GA)

On XX/XX/22, I called Macy 's credit card, which is Citibank, N.A., to make a payment on my account which had closed due to non-payment. I was told that a payment could not be made by phone or online. I had to mail it. The customer service representative gave me the mailing address, and on XX/XX/22, I overnighted a XXXXXXXX XXXX  cashier 's check to the address provided by the rep through the USPS. The USPS delivery confirmation showed that the letter with my payment was delivered on XX/XX/22. 

I called Macy 's the following week, and they told me that the payment hadn't been received and that it could take a week before showing that it was received. The following week, I received a letter from Macy 's dated XX/XX/22 that said, " As of the date of this letter, we have not received your payment you referenced in your recent inquiry. If this information is incorrect, please follow directions below ... '' The directions in the letter told you how to send proof of your payment to Macy 's and included a fax number of where to send it. I called Macy 's that day and spoke to a rep who confirmed that proof of payment should be faxed to the number in the letter. 

On XX/XX/22, I called XXXX XXXX XXXXo see if my payment was received. XXXX said that the cashier 's check to Citibank , N.A . was cashed on XX/XX/22 and that I needed to go in person to their branch location to get a copy of the check. On XX/XX/22, I went to XXXXXXXX XXXX, and they gave me a copy of the cashier 's check showing that the check had been deposited by Citibank , N.A . They also faxed a copy of the deposited cashier 's check for me to Citibank to the fax number Macy 's said to fax it to in their XXXX letter. 

On XX/XX/22, I called Macy 's to follow-up to see if they received my faxed proof of payment. They said they did not and that I faxed it to the wrong number, even though the number to fax it to was specifically listed in their XX/XX/22 letter to me. I was given a new fax number and told to address my fax to Payment Investigation. On XX/XX/22, I faxed a copy of the deposited cashier 's check to the Payment XXXXnvestigation to the new fax number I was given. I called Macy 's on XX/XX/22 to see if they received my fax and payment, and they said they did not, which is why I'm now filing a complaint with the CFPB.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HYUNDAI CAPITAL AMERICA (IL)

Account No. : Vehicle : XXXX VIN : XXXX Maturity Date, XXXX XXXX XXXX XXXX XXXX AT XX/XX/XXXX In XX/XX/XXXX the above-referenced auto lease ended, and I returned the vehicle to XXXX. The car lease began in XXXX XXXX XXXX XXXX was the signer on the account and XXXX XXXX, the Daughter, was the co-signer. Throughout the duration of the lease, the account was set up for auto-draft payments. Not one payment was missed. The lease ended, the vehicle was returned, and the account was closed in good standing in XXXX XXXX 

In XXXX XXXX nearly 2 years after the lease ended, KIA added two 30-day late payments to the KIA account on our credit reports. The account was previously in good standing. In XX/XX/XXXX, nearly 2 years after the vehicle was returned, we were alerted to two 30-day late charges on our credit reports. We contacted KIA Finance immediately. 

It had been 2 years since we were a KIA customer. Both my daughter and my address changed. Mail forwarding only lasts for 6 months. There was no way that this invoice ( sent two years later ) could make it to us in the mail. 


KIA sent my daughter, XXXX, a copy of the final invoice on XX/XX/XXXX. The invoice was not itemized and did not include a description of fees. On XXXX XXXX XXXX  we called to speak with a supervisor. Throughout the month of XXXX we called over 10 times. We sent KIA Finance a letter at the end of XXXX XXXX. We received a call from a supervisor on XX/XX/XXXX. We received a login to a portal that contained information about the invoice and pictures. On XX/XX/XXXX, we received a voicemail from the supervisor about an offer for a resolution. We called the Kia supervisor for the entire month of XXXX and were never able to get anyone to return our call to take care of this account. KIA has been reporting late payments every month on our credit reports but has not given us a way to pay the account. 


We sent KIA finance America formal letters in the mail. I attached copies of our USPS receipts.
Consumer complaint received 2022-09-20
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. (GA)

I am a natural person ; I am a living human being. I have rights under 15 USC 1681 that have been violated and are continuously being violated with no resolve by credit bureau, credit furnisher and CFPB.

Equifax who is governed by 15 USC 1681 has violated my rights numerous times and my request for them to correct said issues has been ignored as well. I demand the 2 accounts and consumer statement listed below be removed immediately.

In accordance with 15 USC 1681 I have the right to privacy and I DID NOT give Equifax written or verbal permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX reporting 5 late payments and closed simultaneously ) XXXX XXXX XXXX XXXX reporting 1 late payment, closed and recent activity XXXX ) this account was closed XX/XX/2021 -Erroneous consumer statement with inaccurate info about an inquiry that has not been resolved to date.
Consumer complaint received 2022-08-22
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. (TX)

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1661 section 602 A states : I have the right to privacy.

15 U.S.C 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-27
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-27
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. (PA)

Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
Consumer complaint received 2022-06-07
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: EQUIFAX, INC. (NY)

I sent a letter to 3 credit bureaus on XX/XX/XXXX to Investigate the Erroneous Accounts : XXXX - XXXX XXXX XXXX XXXX Late Dates : XX/XX/XXXX, XXXX ; XXXX XXXX XXXX Late Date XX/XX/XXXX that are UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Consumer complaint received 2022-07-28
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. (FL)

I submitted a complaint last XX/XX/2022 to update these accounts, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to update these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these accounts again. XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXXL XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-27
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: Rocket Mortgage, LLC (PA)

In accordance with a Fair credit reporting act [ ROCKET MTG # XXXX has violated my rights. THIS HAPPENED IN THE MONTHS OF XXXX OF XXXX, XXXX OF XXXX, XXXX OF XXXX, XXXX OF XXXX. Under 15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B A creditor may not treat the payment on a credit card account or mortgage account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-28
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. (FL)

I sent a letter on XX/XX/2022 to remove these accounts, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX Balance : {$770.00XXXX XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2600.00}
Consumer complaint received 2022-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: HYUNDAI CAPITAL AMERICA (FL)

I purchased a XXXX Kia XXXX XX/XX/XXXX. In XXXX of XXXX the vehicle was repossessed for 3 monthly installments in arrears. I paid the balance and regained possession of the vehicle in XXXX of XXXX. Before I regained possession my name was reportedly ( by a Kia Motor Finanace employee ) removed from the vehicle title. My name was never added back to the title once I regained possession. I was made aware in XX/XX/XXXX when I attempted to renew the vehicle license plate tags/registration. At that time a representative of the Florida Department of Motor Vehicles advised that my name was no longer affiliated with the vehicle and had been removed XXXX months prior. I was also advised that I had no ownership interest in the vehicle and that I could not register or renew the license plate tags on the vehicle. 
I operated this vehicle for XXXX months, unbeknownst to me, with an improper license plate as it was no longer affiliated with this vehicle. I have not been able to register the vehicle or drive the vehicle since XX/XX/XXXX. I have contacted the Kia Motors XXXX finance company multiple times to correct this issue. I now have to contact my insurer to advise that the vehicle does not have a valid license plate and I am no longer the registered owner. I have called and sent emails and I am continually routed between the collections and customer service team. I have been told to call back for a supervisor, placed on hold and the call was immediately disconnected, and repeatedly told by representatives that they can not help me. I have also been advised that the problem has been corrected and I go to the Department of Motor Vehicles only to learn that my trip and waiting are in vain because nothing has been corrected. My housing community has warned me about have a vehicle on the premises that does not have a valid registration. Please help me. I can not drive to work, I can not register, sell, or trade the vehicle and Kia is doing nothing to assist me in correcting this issue. If this issue is ever corrected I will now have to pay additional fees to obtain a new license plate and a surchage for being without insurance for some time. Since I have been unable to drive the vehicle for several months I am unable to consistently work 40 hours per week. If/when I pay for other transportation it makes it impossible to pay my care note in full and on time. I am now 60 days in arrears again and the finance company is threatening repossession. I am convinced that this was their intent all along. Kia Finance has breached our contract. I am expected to pay for a vehicle that I can not use and that I do not have any ownership interest in. 
The Florida Department of Motor Vehicles is unable to provide any written documentation to support this claim because I do not have any ownership interest or connection to this vehicle.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (VA)

On Saturday XXXX, I received a Netspend XXXX XXXX pre-paid XXXX This card includes an account and a mailer to sign up for Direct Deposit, which included a routing number and an account number. When I called the company on XXXX, their phone system lead me in circles. When I looked on their website, they did not list any phone numbers that would actually route me to a person. The phone system wanted me to activate the card before anyone would help me. So, I routed through the phone system to report a lost or stolen card before I could speak to a person. When I did speak to a person, they wanted me to activate this card, even though I did not request it. I had to request to speak to a supervisor to find out who requested the card account on my behalf. The supervisor said that it was a promotional item, and they just send these cards to randomly selected people. I explained that this was deceptive marketing, and it was fraudulent because they sent out a completely encoded XXXX with my name, and active magnetic strip. I had to request the company cancel this card as well as the account, to remove me from all future mailing, to not give or sell my information to anyone, and to remove my information from their database. This is very deceptive and could defraud many people.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MI)

On XXXX, Chase Bank froze my checking and savings account, due to a false fraud allegation on a wire transfer of {$140000.00}. The money was transferred from my joint XXXX account with my mother and sister. My mother wanted me to transfer the funds due to an elder abuse investigation opened against my sister. My mother didnt trust my sister anymore. Chase closed my account on XXXX. I called about the return of my funds, and were told multiple answers as to return of my funds, such as : all the money was withdrawn, a check was cut, the check was destroyed, all the money had been withdrawn again, and then to go into the bank and speak with an employee for assistance. I went into the bank in XXXX Michigan. They told me a check was cut on the XXXX of XXXX, and to come back in if I didnt receive it by XXXX. I didnt receive it. Chase called the main bank, and now I was told the check was mailed on XXXX and to come back in, if I didnt receive it by XXXX. Today is XXXX and I still havent received my funds from my savings and checking totaling a little over {$170000.00}. Please help have my money returned to me. It feels like Chase doesnt want to return my money to me.
Consumer complaint received 2022-09-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma (MO)

On or around XX/XX/2022 credit karma advised me of being pre-approved for a XXXX  XXXX credit card, all I had to do was apply for the card which I did. The report came back that I was in fact not approved and being that a hard inquiry was performed, my credit score immediately dropped by XXXX  points which made an already difficult situation of finding housing as my lease was coming to an end to an almost impossible situation! I have since read in numerous articles that I am not alone in this matter so I decided to report this misinformation in hopes that it doesn't continue to happen to others!