davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (GA)

Purchased a car from Honda dealership XX/XX/XXXX. The car was totaled XX/XX/XXXX. XXXX  insurance paid {$22000.00} on XX/XX/XXXX. Gap coverage was purchased upon purchasing the vehicle. Gap coverage paid {$3800.00} on XX/XX/XXXX. Additional warranty was purchased at time of purchasing the car. Warranty paid {$1300.00} to American Honda financial on XX/XX/XXXX. This totally paid off American Honda financial. XXXX credit bureau was reporting 30 days late but have since taken American Honda financial completely off of credit report. XXXX has never reported American Honda financial as I know of. XXXX, which I have disputed several times in the past 2 to 3 months has not taken off the 30 days past due. I have attempted to talk with American Honda including a supervisor to which they refused to delete the 30 days late payment status. All payments from XX/XX/XXXX to XX/XX/XXXX were made as promised. The payment received from XXXX  insurance in the amount of {$22000.00} was paid directly to principal as well as the gap coverage of {$3800.00}. Payments on the loan were due the XXXX of each month. The extended warranty payment of {$1300.00} was paid to principle plus interest plus a late charge The late charge should not has been processed until the payment was 10 days past due. There was a 10 day grace period for the payment to be received. I have spoken with XXXX and American Honda financial and they will not delete the 30 days past due payment status. I would appreciate any help you might could provide. Thank you very much in advance for your help
Consumer complaint received 2024-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Financial Management Solutions, LLC (DC)

I am filing this formal complaint against FMS Financial Solutions for their failure to provide accurate, verifiable, and lawful reporting of a collection account on my credit report. 

The collection agency is reporting an account on my credit report that I believe to be inaccurate or unverifiable. 
I first disputed this collection with both the credit reporting agencies ( XXXX, XXXX, XXXX ) and FMS Financial Solutions directly. Despite my requests for verification under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), no proper documentation has been provided. 
The collection agency has failed to provide proof that the debt is mine, including : A signed contract or agreement showing my liability.

A full accounting of the original debt, including any added fees or interest.

Verification of their legal authority to collect the debt.

Violations of Federal Law : The collection agencys actions constitute violations of federal consumer protection laws : Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : Reporting inaccurate or unverified information to the credit bureaus is illegal.

They failed to provide adequate verification after my written request.

Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) : Upon disputing the debt, the agency was required to cease all collection activity and verify the debt. They failed to meet this requirement. 

This unverified collection has negatively impacted my credit report, causing financial stress and preventing me from obtaining credit opportunities. I have acted in good faith to resolve this matter, yet the collection agency has failed to comply with its legal obligations.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

On Monday XX/XX/XXXX, I tried to apply for a refinance with my current bank. Trying to get a hold of my bills and recover from the pandemic. When the bank ran my consumer credit report, I found out my score had fallen about a 100 points. I was taken aback, I immediately went on the credit reporting agency Experian dispute center. On XX/XX/XXXX, I contacted Experian and attempted to dispute the inaccuracies they were reporting. During the dispute, I explained to the agent that the account was closed in XXXX of XXXX with a {$0.00} balance. But Experian started reporting in a collection state in XX/XX/XXXX. I told the agent, for the past 10 years I have been paying my child support every month without any missed payments and I stayed in good standings. To the point that it was being taken out, by automatic withdrawal. 

On Wednesday XX/XX/XXXX, I received an email from Experian. In the dispute, it said the account was verified and it's right. I reached back out to Experian with evidence from the NY Child Support Enforcement showing when I started paying child support, until when they said my child support obligation ended. Even with the evidence, Experian is stating they still need to verify. Even though the evidences was provided they still wouldn't work for me.
Consumer complaint received 2022-06-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

XXXX XXXX XXXX XXXX Account # XXXX Date opened - XX/XX/2017
Consumer complaint received 2021-10-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP (TX)

FORMER COMPLAINT - XXXX WAS NOT RESOLVED!! Honda Finance LIED TO THE CFPB!!!!! 

On XX/XX/2021 XXXX called me to " clarify '' the process - he realized, he was wrong in his understanding, and agreed that YES, indeed {$2500.00} that Honda Finance told XXXX was due was in fact NOT DUE. 

The account was marked TOTAL LOSS on XX/XX/2021 and I was provided an ACCURATE PAYOFF - NO FURTHER SALES TAX WAS PAYABLE as the LEASE no longer existed. 

XXXX told me he would FOLLOW UP - NO WORD - NO PHONE CALL - NO MAIL - NO MONEY!!!! 

During the XX/XX/XXXX telephone call that lasted over an hour, XXXX said the account was paid in full and closed, and said " IF WE RECEIVE AN ADDITIONAL PAYMENT WE WILL SEND YOU THE REFUND '' XXXX CONFIRMS, their check was issued on XX/XX/XXXX and it was CASHED by Honda Finance on XX/XX/XXXX. 

Honda Finance owes me {$2500.00} Calling Honda does ZERO GOOD - You call you sit on hold for nearly 2 hours, to be put on hold and passed around. They have the money, they have ZERO desire to pay any money back. 

The call with Honda on XX/XX/XXXX when TOTAL LOSS reported was RECORDED BY HONDA FINANCE - PULL THAT CALL - it will be heard clear as day what the pay off is. Further calls with Honda CLEARLY recorded as " sales tax of {$2500.00} '' not due. 

It is not nice to lie, and it is certainly NOT NICE, RIGHT or should it be allowed to LIE TO A GOVERNMENT FINANCE OVERSIGHT BOARD.
Consumer complaint received 2021-10-06
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CDI Affiliated Services, Inc. (OR)

Debt Collector : CDI Affiliated Services XXXX XXXX XXXX, ID XXXX Date of Statement : XX/XX/2021 Amount of alleged debt : {$4900.00} Reference number XXXX Date of Service : Not included on the statement - unknown Provider of Service : XXXX XXXX XXXX  Reference number XXXX I received a notice from the debt collector CDI Affiliated Services, XXXX XXXX XXXX, ID XXXX. on XX/XX/2021. I responded on XX/XX/2021 with a Debt validation letter asking for an itemized breakdown of the charges and fees, a copy of my signature with the provider of service to release my information ( HIPPA ), and proof that this company has the legal authority to collect debt in my state. I also asked that all communication is through letters. ( I copied the FTC Debt validation letter ). I sent it a certified letter.

I followed up 3 weeks later with a call to see if they had received my letter and when would I receive a response. I told them that the phone number that I was calling from was for work only and that I only wanted to communicate through the mail. I was told on the phone that my letter was received and being processed. 

I was assured that I would receive a response to my letter. the phone call ended. 
The next day I started receiving 3 calls a day on my work phone.

two weeks late I received another bill with a breakdown of cost for a procedure that I never received. I did not receive a copy of my signed HIPPA release authorizing the release of information to a third-party creditor, and I did not receive proof that this company has the legal rights to collect debts in Oregon.

I did not have the services that they are saying that I had. I am too afraid to call because I am still getting two to three calls a day from them at XXXX. 

I sent another certified letter and I have not received any response. I am sending the second letter again tomorrow in hopes that this can be resolved. 

Now the company has reported the debt to the collection- this is against the Fair Credit Reporting Act. I had asked in the debt validation letter to Cease any credit bureau reporting until the debt has been validated by me. 

The company has not complied with any of my requests and instead, I am receiving multiply calls from the company as a harassment tactic. 
Thank you, XXXX XXXX
Consumer complaint received 2021-10-06
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: Advanced Resolution Services Inc. (FL)

On XX/XX/2021 I sent a letter via XXXX to XXXXS in regards to the bankruptcy listed on my ARS report. In response I received a letter back on XX/XX/2021 stating that ARS verified the " alleged '' bankruptcies through XXXX. However on XXXX website, they explicitly state " XXXX DOES NOT MATCH BANKRUPTCY INFO TO XXXX CREDIT FILES ''. XXXX so how do YOU consider this information verified if XXXX is stating they don't verify such information? If XXXX is reporting data it obtained from a company who isn't FCRA compliant then XXXX wouldn't be FCRA complaint, right? XXXX claims they get information from XXXX, but XXXX  doesn't report full SSN 's so how are they verifying who the records belongs to? Just guessing? I have also reached out the courthouse these " bankruptcies '' is housed at, they responded back with a letter stating they do NOT release information to 3rd party companies. Also if you have not physically gone and received documents with my full social security number this is NOT a verified item which means it must be immediately removed. Neither XXXX nor the courthouse release information to any 3rd party companies. Provide exact proof on how these " bankruptcies '' were verified as accurate showing FULL SOCIAL SECURITY NUMBER as proof. ARS in return sent in information only showing the last four of a social security number, which is NOT verification. Items are unverified if full social security number is not shown. XXXX is not a for profit company thus does not supply full social security numbers nor information to 3rd party companies.
Consumer complaint received 2021-10-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent in my police report and my notarized affidavit to the three credit bureaus and XXXX  I received paper work from XXXX showing they have deleted the fraudulent account Transunion keeps sending me results saying the Company verified this fraudulent account when that is not true the company XXXX XXXX provided me documents and letters stating they did not Verify any thing i even called them and spoke to a rep who looked at my XXXX XXXX file and stated they are not reporting any Bankruptcy on my file and requested all three credit bureaus to remove the inaccurate and fraudulent account. I have Enclosed all documents and corraspondence with this Compliant. I called last month and talked Trans Union Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after going to XXXX XXXX police dept and filing a police report in person. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character. Enclosed is the 3 updated credit reports showing that XXXX and XXXX are not reporting this fraudulent information Transunion is the only reporting agency who is knowing and willingly reporting the inaccurate and fraudulent information. Please not they are not investing anything and just responding with some auto generated letters.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Century First Credit Solutions (NJ)

In XXXX XXXX I signed a contract with XXXX XXXX to repair my credit. In this contract we agreed I was gon na make payments for 30 months and all my accounts were gon na be pay and my credit repair. Is been 5 years since that day where I Made all my payments but the company XXXX XXXX has not yet resolve my credit problems. I tried reaching out to them but they never pick up the line and when they do they never give me a resolution. I would like for my credit to be fixed and all my debt pay off As I was promise in the contract.
Consumer complaint received 2021-10-07
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2021, I sent funds to a family member using my credit card from Capital One. I immediately noticed that there was a Cash Advance fee of {$10.00} for the transaction amount of {$64.00}. On XX/XX/2021, I paid the amount of {$74.00} leaving a balance of {$0.00} on my card. Later charges were made by me, and what I am noticing is that Capital One has continued to charge me a Cash Advance Interest fee. The explanation given by Capital One customer service reps was that I needed to call in the get a pay-off figure before paying and that the CA interest will continue to accrue at the variable rate of 26.99 % until the balance is paid in full (? ) well it was! is what I explained. 
I have attached a copy of my statement charges. 
I am aware of how they make their money, it's all on high-interest rates and fees, but don't go overboard with it. This is taking advantage of people who are trying to rebuild their credit. 

Thanks for your assistance in this matter.
Consumer complaint received 2021-10-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

This is me writing this complaint. I know you think regular consumers do not follow or know the law, but you are sadly mistaken. Do not send me anything requiring more information because you have everything you need to verify my identity, my credit file, and you know the inaccurate account that needs to be removed from my account. Do not send or reply back with anything telling me this is not me writing this complaint. 

I currently have an open CFPB complaint with Experian for their disregard to investigate my claim stemming from a letter received before XX/XX/2021. It is now XX/XX/2021, which now makes it OVER 60 days since they have failed to do a reasonable investigation pertaining to an inaccurate account from XXXX  XXXX XXXX in my consumer credit file. 

You have failed to respond in writing to my dispute and have failed to conduct a reasonable investigation in over 60 days. If Experian had done so, they would see this information is inaccurate, in addition to me providing them with knowledgable documentation that they are reporting inaccurate information in regards to a XXXX  XXXX XXXX account on my consumer credit file. 

You are in violation of 15 U.S Code 1681 for inaccurate and unfair reporting methods. You are willfully and knowingly furnishing information you know to be inaccurate according to 15 U.S Code 1681n and 15 U.S Code 1681o. I will seek to receive no less than {$1000.00} per violation in addition to actual and punitive damages for this inaccurate information. 

You have not only failed to remove this inaccurate account from my consumer credit file, you have also appeared to re-age this account. Experian has updated and changed information on this account with no communication with me and they seem to do so as they please as if this is not MY consumer credit file. 

I have also requested a description of the reinvestigation procedure in the past and they have not sent me that information within 15 days according to 15 U.S Code 1681i. 

I have kept every single piece of communication between me, the consumer, and Experian, the credit reporting agency, and will use this information in federal court if I have to.
Consumer complaint received 2021-10-07
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: Collection Service of Nevada (NV)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2021-10-07
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: Business & Professional Collection Service Inc (NV)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2021-10-07
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: National Business Factors (NV)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2021-10-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (FL)

Enhanced Recovery Comp at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collections notices in the amount of {$630.00}. The collection has been reported as pasted due balance. I don't know this company. Have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-10-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

Filed a dispute with XXXX, XXXX, and Experian all on XXXX XXXX, 2021. It is XXXX and I still have not received anything back from them. They are not following their own policies by responding within 30-45 days. Even sent a demand to comply letter! This is ridiculous. Those items disputed need to be removed immediately!!
Consumer complaint received 2022-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX an account was opened and i was approved for {$300.00} credit limit. XX/XX/XXXX I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I also sent an sent an invoice with federal law violations that target violated and never received a response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report.