davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN HONDA FINANCE CORP (TX)

America Honda Finance please provide me with the status of any debt may be lawfully received by any debt collector for no payment of any Debt will result in seizure or sale of any property. Verify to me such action IS LAWFUL to a Consumer for personal, household uses. This would explain why a sale of any interest in a debt shall cause the CONSUMER to lose any claim along with communication which is known to be FALSE. XXXXXXXX XXXX XXXX  XXXX had failed to communicate that a disputed debt was disputed. Credit reporting Agencies have been turned over to innocent purchasers for value. Meanwhile sending out false repsentation or have been implicated that the any documents are legal process. I need all documents sent to me buy 15 days so that I can take the necessary steps to fix my Life.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

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.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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 2023-04-07
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: Experian Information Solutions Inc. (NC)

TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX- OPENED ON XXXX. XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX  - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XXXX
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been subscribing to TransUnion credit monitoring service for many years and pay them {$14.00} every month. As part of the subscription, I am supposed to be able to refresh my TransUnion Credit Report daily, if I wish. 

For the past 13 days I have attempted on an almost daily basis to refresh my credit report and TransUnion does not allow it. When I attempt to refresh, it states that it is in progress and that continues for over an hour with to success. 

I have called TransUnion customer service and tried, again and again, their trouble shooting recommendations and it still fails. Their customer service supervisor states there is nothing more he can do except to open a case, and that never produces any results. 

TransUnion is defrauding me by collecting {$14.00} every month, but never providing the service paid for.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you as the holder of LEASE account number XXXX XXXX XXXX # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my LEASE have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XX/XX/year> XXXX XXXX OK OK I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Consumer complaint received 2022-10-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Its been several months of trying to resolve this issue with Experian. In XXXX, I legally changed my name. All of my credit and student loan accounts have been sending reports to XXXX, Experian, and XXXX with my new/correct name since XXXX, and they sent me written confirmation that they sent additional reports to these bureaus to ensure they would have the correct information. XXXX changed my name and continued reporting my accounts as normal. Experian, however, refuses to update anything outside of my name and address, and they keep telling me that they cant do anything about it, so my credit report is missing several accounts and my score is incorrect. I sent over both digital and physical certified copies of my ID and legal court order. Ive started multiple disputes with Experian and spoken to several representatives in the Member Services Department, Dispute Department, and Special Services Department. I spoke to XXXX in the Dispute Department on XX/XX/22 at XXXX who informed me that they still had majority of my credit report under my previous name and so my information is inaccurate. He transferred me to the Special Services Department where I spoke to XXXX on XX/XX/22 at XXXX PM. He was very rude, said that I didnt know what I was talking about, yelled at me over the phone, and then hung up on me when I asked for an escalation and a supervisor. Legally, Experian has to update my information when there is evidence that it is incorrect. I then contacted XXXX, who also refused to update my credit report with correct balances and account information. I started several disputes with them and spoke to multiple representatives who all refused to rectify the missing information. This issue affects my identity verification, significantly delayed my application for housing which put my safety and security at risk, and I cant apply for any loans because my credit reports arent matching with all the bureaus. I will have to take legal action if this is not resolved because this is affecting my livelihood.
Consumer complaint received 2023-05-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (MD)

I have applied for a mortgage loan and was denied. My signature credits the credit for the loan. They said they can not give me the loan, although I can price financially to afford it, based off of my low credit score. This is unlawful. I should be able to obtain the financing I am requesting.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

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 1681XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of a data breach, and I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. These accounts were added without my knowledge or consent, and as such, they are the result of identity theft. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts blocked and removed from my credit file. 
Fraudulent Accounts : 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
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion on XX/XX/year> communicated with me via live chat and phone operator that they do not have or give out a much-needed fax/email for Identity theft report and other vital documents for them to review my complaint. My perception is this is an international way of blocking a consumer from implementing the " 4 day block & remove laws '' established by Congress in title 15 as well as a delaying tactic. The information on my report is fraudulent, being used to execute legal proceedings, identity theft by deception & slander of my title. This action makes Transunion complicit in the theft of identity and fraud. I filed an FTC Identity theft report on them as well as state agencies and corporations using inaccurate, fraudulent information as leverage and for-profit against my estate.Let me be clear, the reports and the personal information on me obtained by Transunion is NOT ME in no way shape or form. This information is based on a presumption of death and I am not dead. This is a alive informant. This information clearly is opposite the records I have in my Family Bible Records as well as my baptismal certificate is an indication that I am alive. Every record obtained by Transunion and the other agencies is not me and does not represent me as the living One XXXX XXXXame and date of birth. I also have started to correct records through the post office, contact the Social Security Administration, the Department of HHS, the attorney generals for US/NY, the US/NY Department of State and the NY Comptroller Office and US treasury departments of the fraudulent conveyances being used by the courts, agencies and corporation for profit. The companies that I applied for credit cards are obtaining fraudulent and inaccurate personal information and this is causing my family injury.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX, XXXX XXXX  AND XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX  AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

On XX/XX/XXXX I was notified that my credit score had dropped by XXXX points due to overcharging my credit limit on my Bank of America card. On XX/XX/2022. I made an online payment of {$12000.00}. which then put my account at XXXX. My due date for payment was not until XX/XX/XXXX of XXXX. On XXXX XXXX Bank of America pulled another {$12000.00} out of my bank account. I called BOA and XXXX XXXX Bank to stop them taking another {$12000.00} out of my account which I did not authorize. 
I called BOA on that day and given a supervisor name and email to send a copy of my statement showing the money was taken. She was suppose to call me back and i never heard from her. she insisted that the statement showed my balance and other personal information that I was suspicious of. I sent her the info she needed to return my money within three days. I sent the email on XX/XX/XXXX to : XXXX Never heard a response from her, or return my calls as promised. 
I called again on XX/XX/XXXX was hung up on then could not get through to a human after several calls. On XX/XX/XXXX, The first was XXXX from Texas, who had me give her my bank acct number my bank routing number and a lot of other information. when she gave me the information back she kept changing the routing number to a different bank. then she told me I could not change my bank routing number because that was the one on file. I looked up the Bank Routing number and it was for A XXXX XXXX XXXX  that I never heard of. I spoke with three different representatives one named XXXX told me the only way they could return my money was by check and that would take up to 90 days to get a check. I asked to speak to a supervisor was routed to another person and left my phone number for someone to call me back. I have made so many calls to BOA I only get excuses. One tells me the money will be in my account in three banking day. Did not show up. I call again give them all my information and then told to wait another 10 days. It is now 18 days and they just told me it will take another 30 days to get my money back. Now it does not even show as a credit on the account. The money is no where. not in my Bank and BOA took the additional payment off my account. 
There is something very wrong about the way they do business. I want my money returned yesterday.
Consumer complaint received 2023-03-30
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. (NC)

I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.