davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-25
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 — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP (IL)

I took out a new car loan in XX/XX/2019 with Honda Financial.  I got behind on one payment in XX/XX/2019 by a few days on it and they ended up putting a 30 day late on my credit reports. I called and asked them if they would remove the mark on my reports after I paid it as soon as I could after I switched my accounts due to issues with my bank account and having my direct deposit transferred timely with my employer the XXXX XXXX XXXX to my new account. They were rude and refused to do so, even though I have proof from online that they have done it for others in the past. Then they did not even report my XX/XX/XXXX and XX/XX/XXXX payments I made on time after that, showing NA on my credit reports. I contacted the credit bureaus and they contacted them supposedly but still have not fixed all. I was only late on the one payment and expect all other payments to show paid as agreed!! This is what they are showing on my reports and the company information, there is a green check mark over each month ( which did not copy with the information ) for XXXX, XXXX, XXXX, until you get to XX/XX/XXXX, then it says 30 over the XX/XX/XXXX pmt then NA over XXXX and nothing over XX/XX/XXXX which I also have already paid, all payments were made on time, except XX/XX/XXXX so all payment from XX/XX/2019 to today should show a green check mark and paid on time except the one only, they are intentionally not reporting to get back at me and try to make me look bad, it also says customer disputes account, which I have no idea what that is, I disputed how they were reporting. If these companies can not report my information correctly they need to be shut down, they have no business being in business if they can not complete a simple thing like this!!!! Please enforce the laws!!! 

XXXX XXXX Payment Status On Time Amount Past Due  {$0.00} Payment History 1 Late Payment 2019 30 N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$22000.00} Date Opened XX/XX/2019 Account Type Auto Loan Term 48 Months Min. Monthly Payment {$590.00} Highest Balance {$25000.00} Responsibility Individual Account Disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Consumer complaint received 2019-08-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (TX)

Ad Astra Recovery has a negative collection item on my credit report reporting since XX/XX/15. I have disputed this item to have it verified and validated. I received notice that the debt was verified from the credit bureau but did not get anything showing how it was verified/validated from the company or the credit bureau.I requested via certified mail to have debt verified according to Texas law or be removed and the company did not send anything nor remove it.I have requested over 3 times.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Information about balances and on time payments is not being recorded correctly or consistently between TransUnion, XXXX and XXXX. All three say they only report what they are given. The Accounts say they give the same information to all agencies. The result is my credit reports and scores are not the same. This causes financial damage to me personally when I have paid my payments on time.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I checked my credit report last year in XXXX of XXXX and I seen this credit card account listed. I have reached out multiple times asking for validation of the account. have no knowledge of this account and wanted to make sure that it is an accurate reporting account. The account is being listed by XXXX account number XXXX showing the date opened as XX/XX/XXXX. I'm not sure when it posted a s a charge off on my credit profile but the most recent dispute I sent in has now affected my score and it is showing a late payment. A charge off account can not reflect a late payment because it is no longer active. I have sent multiple letters for validity only to receive a letter back stating it is accurate. I have reached out to the creditor themselves only to be told they have no proof of this account. I am including pictures of my certified mail receipts as well the letters I've sent in requesting proof of the account from Equifax, XXXX, and XXXX. This should be considered fraudulent if no one can provide the information I'm requesting to verify the account.
Consumer complaint received 2019-04-29
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION (OR)

XXXX XXXX of XXXX, Oregon leased a New 2019 XXXX XXXX to me. Using very stressful and high pressure tactics that included holding my registration for hours refusing to return it to me so I could leave. Eventually offered me a deal to pay off the last 2 payments of my current car lease through XXXX ( XXXX ) as well as pay for my disposition fee that I would pay on return of my XXXX to the dealership. The Disposition fee was added to my XXXX payments over time. They said they were sending the payoff to XXXX and I wouldn't have to worry about it because it would be taken care of. It has been a month and the money never got sent and I am now double paying for cars and still stuck with my XXXX. I have taken time off of work to talk to management and they said it was being taken care of already. Called, emailed and chatted and no one had taken initiative to fix the problem. I am now out about {$900.00} and double paying for the disposition fee with XXXX. I just wanted the company to follow through with what was promised.
Consumer complaint received 2019-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX To whom It May Concern : I obtain a copy of my credit file and found some errors. Please remove this from my credit file : 1.  Company Name : XXXX XXXX Date : XX/XX/2019 Amount : XXXX Date : XX/XX/2019 Amount : XXXX Date : XX/XX/2019 Amount : XXXX Date : XX/XX/2019 Amount : XXXX Date : XX/XX/2019 Amount : XXXX Please validate by baring my signature
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery ( https : //www.portfoliorecovery.com/ ) will not stop contacting me. I've talked to them roughly 20 times and have asked them to please stop calling my number as the person they're looking for either doesn't work at our school anymore, or has never worked here. I've spoken to supervisors, and customer service agents REPEATEDLY. They will not stop calling me.
Consumer complaint received 2019-08-25
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. (IN)

On XX/XX/2019 went to XXXX 's XXXX to pick up a used car I purchased with financing done by XXXX XXXX XXXX XXXX out of Ohio, I had purchased a vehicle from XXXX 's before using this this type of financing. Upon arrival they did not want to release the car and XXXX XXXX from the finance department wanted me to finance though XXXX 's and then refinance again through my credit union again for the vehicle. I refused, this unknow to me at the time would have allowed them a {$250.00} fee for the financing to XXXX 's XXXX. They did release the car after I covered the car with my XXXX XXXX XXXX. On XX/XX/2019 I received a credit alert from XXXX that a credit check was preformed that I never authorized from XXXX 's XXXX. This was reported to all the credit reporting agencies. Experian ... .etc.. 
I am a XXXX Veteran and trying to purchase a home and not only is this unlawful but the credit check lowered my credit score. The high pressure financing was just a ploy to make {$250.00} dollars. Even after the monies were sent to XXXX 's the finance department was unaware of receiving the monies. I had to have XXXX XXXX XXXX call and remind them the monies were received by their finance department.
Consumer complaint received 2021-09-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (GA)

I recently received a letter in the mail from Novad Management Consulting stating that after XX/XX/21 I would have a new mortgage loan servicer. However I have never even heard of this company, so I contact my actual mortgage provider and they stated that my loan was not in the process of being transferred to another company and they thought this was a scam.
Consumer complaint received 2019-08-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

IQ DATA INTERNATIONAL has a negative collection item on my credit report reporting since XX/XX/2018. I have disputed this item to have it verified and validated. I received notice that the debt was verified from the credit bureau but did not get anything showing how it was verified/validated from the company or the credit bureau.I requested via certified mail to have debt verified according to Texas law or be removed and the company did not send anything nor remove it.I have requested over 3 times.
Consumer complaint received 2022-05-02
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. (CA)

I have an auto lease with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Account : XXXX XXXX XXXX XXXX Date opened XX/XX/2017 Balance {$7000.00}.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

The company is XXXX XXXX I have never dealt with this company before. They are sending letters saying that I had two XXXX XXXX credit cards that I never opened up before. Under provisions of public laws 95-109 and 99-361 also known as the Fair Debt Collection Practices Act, I'm requesting that they immediately cease and desist all attempts to collect the debt. Failure to comply with this law will result in me filing a complaint with the Federal Trade Commission and the Attorney General. Equifax is also reporting this information with no proof of validation of this debt. I have contacted XXXX XXXX and they were unable to validate this.
Consumer complaint received 2022-10-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

its been over a 1 year i sent in documents to Experian for the XXXX which is not vertify on my report by XXXX XXXX they stated that it is report as indentity therft should have been delected or remove from my credit report. I sent information with proof that bankrupcy was used with all my information from someone over seas and the company was a empty parking lot. i contacted the federal trade commission they complete a reveiw and found it appears that bankrupcy was not vertify.
Consumer complaint received 2024-10-17
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. (MI)

I am writing to address the lack of response to my previous notice regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXXXXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX XXXXXXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify Experian, XXXX, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : 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  As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the Creditor XXXX XXXX XXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Consumer complaint received 2024-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (IL)

I am submitting this formal complaint to bring to your attention a serious and recurring issue involving Robinhood. Over the past 60 days, Robinhood has suspended my account twice, arbitrarily locking my funds without providing any clear reason or explanation. These suspensions were made without any indication of a violation, and despite numerous attempts to resolve the matter through their support team, I have been met with closed tickets and disconnected calls.

Robinhood 's actions have effectively denied me access to my own funds, with no indication of when they will be released. This lack of transparency and disregard for proper customer service practices is deeply concerning and raises significant questions about Robinhood 's handling of customer assets. 

As a retail investor, I depend on timely access to my funds and expect that they be handled in compliance with industry regulations. The ability of Robinhood to suspend accounts and withhold funds without clear cause or recourse is unacceptable. I am now forced to consider moving my assets to a more reliable brokerage, but before doing so, I am seeking your intervention to assist in allowing access to my own money.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I have an account my credit report named XXXX XXXX XXXX only credit my report that was removed prior by the credit bureaus. However, it has reappeared on my credit report. I have sent a letter to all 3 credit bureaus certified mail to get them to remove the derogatory remark, the credit reporting agencies have not responded. It has been over the 30 day validation period and I still have not received a response.
Consumer complaint received 2021-01-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

On several occasions I have closed online savings accounts with Capital One Bank and a defunct bank in Illinois by transferring my large balances to my brick and mortar account with one transaction - in each instance to enable me to transfer the same sum to a new higher interest banking account. 

However, I wasn't allowed to transfer these same amounts to the new bank with one transaction due to your inherent rules. However this same amount of money could be deposited in the new account by writing a check and them manually depositing same. 

You need to change this inconsistent rule and allow unlimited amount internet transfers from " brick and mortar '' accounts to internet savings accounts. Please act upon my request, for as it now stands this archaic rule costs the consumer, the internet bank and both state and federal governments money.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureau service is reporting unauthorized inquiries on my credit report on XX/XX/2019. The inquiries are from the following companies : XXXX XXXX, XXXX. They are also reporting unauthorized inquiries on my credit report on XX/XX/2019. The inquiries are from the following companies : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I have sent two certified letters to the credit bureau and received no response at all. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a severe breach of my privacy rights. The credit bureau has failed to respond to my request to provide me with validation that I authorized these inquires. They also failed to remove the inquiries as requested. The credit bureau has violated the Fair Credit Reporting Act by not responding or taking either of these actions within 30 days of receipt of my certified letters. I am requesting that the credit bureau be investigated and that the inquiries be removed from my credit report immediately.
Consumer complaint received 2019-08-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I took out a new car loan in XX/XX/2019 with XXXX XXXX. I got behind on one payment in XX/XX/2019 by a few days on it and they ended up putting a 30 day late on my credit reports. I called and asked them if they would remove the mark on my reports after I paid it as soon as I could after I switched my accounts due to issues with my bank account and having my direct deposit transferred timely with my employer the XXXX  XXXX  XXXX  to my new account. They were rude and refused to do so, even though I have proof from online that they have done it for others in the past. Then they did not even report my XX/XX/XXXX and XX/XX/XXXX payments I made on time after that, showing NA on my credit reports. I contacted the credit bureaus and they contacted them supposedly but still have not fixed all. I was only late on the one payment and expect all other payments to show paid as agreed!! This is what they are showing on my reports and the company information, there is a green check mark over each month ( which did not copy with the information ) for XXXX XXXX XXXX, until you get to XX/XX/XXXX, then it says 30 over the XX/XX/XXXX pmt then NA over XX/XX/XXXX and nothing over XX/XX/XXXX which I also have already paid, all payments were made on time, except XX/XX/XXXX so all payment from XX/XX/2019 to today should show a green check mark and paid on time except the one only, they are intentionally not reporting to get back at me and try to make me look bad, it also says customer disputes account, which I have no idea what that is, I disputed how they were reporting. If these companies can not report my information correctly they need to be shut down, they have no business being in business if they can not complete a simple thing like this!!!! Please enforce the laws!!! 

XXXX XXXX Payment Status On Time Amount Past Due {$0.00} Payment History 1 Late Payment 2019 30 N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$22000.00} Date Opened XX/XX/2019 Account Type Auto Loan Term 48 Months Min. Monthly Payment {$590.00} Highest Balance {$25000.00} Responsibility Individual Account Disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX