davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: AMERICAN HONDA FINANCE CORP (FL)

I co-signed a three-year closed-end auto lease agreement that ended on XX/XX/2020. Unbeknownst to me, at the end of the lease, the borrower and Honda Financial Services extended the lease for three months without my verbal or written consent. I wasn't notified that it was being extended nor that I was being offered credit for which I would be responsible. If I had been asked to agree to an extension of this lease I would have said no. I thought the vehicle was returned and my obligation as co-signer had ended. Under the terms of the contract, neither Honda Financial Services, the borrower, or myself, can arbitrarily change the terms of the agreement without consent of all parties on the transaction. 

During the extended period, the borrower was late making his lease payments and these late payments were reported to the credit bureau and harmed my credit. I contacted Honda and explained that I reviewed my contract and I satisfied all of the conditions of my contract and any new agreements or contracts they chose to make with the borrower should not have included myself, and minimally, I should have at least been notified. There is nothing in my signed contract or additional terms and conditions that allows for an extension of terms for which I would be obligated.

Honda has received all of their payments, the account is current, and I am not seeking any compensation. I just want them to retract the derogatory information they provided to the credit bureaus for the time period in which the lease was extended. If they choose to report derogatory information on the borrower for which they made the new financial agreement, that's fine, but I was not party to this new agreement and shouldn't be harmed by it.
I am preparing a demand for arbitration but it seems so unnecessary. If someone from Honda would review my contract they should determine the same outcome.
Consumer complaint received 2020-08-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (MD)

I had a loan through XXXX XXXX, on a new XXXX  XXXX. XXXX was paid off in XXXX-XXXX. At this time the bank was going through a buy out, Now is Santander Bank.I have never received my Lien Release. I have called, I have sent faxes. No response, no lien release. I have since sold the car, I need my lien release.
Consumer complaint received 2022-12-29
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 XX/XX/XXXX
Consumer complaint received 2022-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Telerecovery Corporation (LA)

In XX/XX/XXXX, I reviewed my credit report and became aware of medical collections. To my knowledge, I have not failed to pay any medical bill. I have lived at the same address for XXXX years. I sent a debt validation letter to : TeleRecovery XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX regarding this account listed on my credit report : Original : Medical Balance : {$320.00} Opened : XX/XX/XXXX I have given their office 30 days to respond to the validation letter. They have failed to respond. I am attaching the XXXX that was sent to them on XX/XX/XXXX
Consumer complaint received 2022-04-08
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX, XXXX  XXXX Account XXXX , XXXX  Account number XXXX, XXXX  account number XXXX, XXXX  account number XXXX, XXXX  Account # XXXX, XXXX  Account Number 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 2022-04-08
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account Numbers : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 2022-04-08
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EOS Holdings, Inc. (PA)

EOS CAA told me that they were unable to send an email receipt or documentation because of a CFPB Massachusetts law. I looked it up and this was not correct. I am concerned about the company ( 2 of 4 representatives ) lying about the law in order to prevent me from receiving documentation on prior payments made to the company. Especially considering that I believe that I payed the new debt claim that they are stating that I owe. They specified that it was illegal for any collection agency to email me in any capacity.

Ironically in order to dispute the claim the wanted proof - the same proof they were unwilling to send me via email. 

I am unable to protect myself and it seems to be predatory behavior to only provide proof that I paid via snail mail. They are purposely not allowing consumers the ability to protect themselves in case they need to provide proof of payment. 

Hopefully you will be able to receive the recordings. 

I spoke with XXXX - employee number XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I have disputed a bankruptcy on my credit report for a few months now. I disputed with the 3 main credit bureaus and with XXXX. I have attached paperwork received from XXXX after I wrote them and the paperwork states they were unable to verify the bankruptcy as mine and removed it from my credit report. Experian still is reporting it and has yet to explain how they are verifying this as mine. This should be deleted from my file.
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account Numbers : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 2020-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

To whom it may concern : I've had the credit card opened at Home Depot on XX/XX/2020 and spent {$97.00} that same day. After that is the pandemic, social distance. I did not check my mailbox for a long time, not open my mails until last month to get notice of debt collection and the amount goes up to more than {$240.00}. I called and explained to them the situation. I have a XXXX  credit card and when I was two months late they called me, I paid over the phone right away. I wish HD did the same but they did not. I tried to call the numbers XXXX, XXXX, XXXX, XXXX and talked to XXXX, XXXX from collection centers. They filed the complained and they can not resolve the issue for me. 
I was calling to see if they could waive the late fees but they are not from Citibank or Home Depot so they can not do anything about it. The phone number from Citibank, the person ( XXXX ) can not access my account so they can not waive the late fee. The number from HD, whenever I enter the account number or my SSN it directs me to the collection center. I one time can talk to someone from the HD in my first attempt last month but he also asked me to wait then forwarded me to the collection department. 
During this pandemic, everybody has a hard time and they try to get money by applying late fees without a courtesy call. I believe it's not right. They threaten me if I do not make payment by XX/XX/2020 I will face difficulty in applying for a loan/mortgage later. It's also not right. Now the new balance after I make the original balance of {$97.00} is {$160.00}.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

You are violating my rights you do not get to keep taking 60 days to investigate incorrectly 2-3 times in a year. You don't get to accuse me of using credit repair when I am not. The court clearly confirmed the info you have is inaccurate so there is no way you could have verified it as accurate.

I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings.

The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.
Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter.
Consumer complaint received 2022-07-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Unifin Inc. (SC)

I received a demand letter from Unifin Inc on XX/XX/2022. Upon checking my credit files to properly start the disputing process Ive noticed XXXX XXXX XXXX reported the same debt with the same account number from the same alleged creditor. Proper documentation from XXXX XXXX XXXX was NOT provided to allow XXXX XXXX XXXX to verify the accuracy of their data before placing their account with the credit bureaus for collection. XXXX XXXX XXXX are not honorable with their collection attempts. I would like for XXXX XXXX XXXX to prove via mail that I was allowed the opportunity to dispute their debt. 

It appears that Unifin Inc and XXXX XXXX XXXX are debt XXXX demanding a debt on behalf of XXXX XXXXXXXX XXXX. I have not received any goods or services from Unifin Inc, XXXX XXXX XXXX, nor XXXX XXXX XXXX and I do not know how Unifin Inc, XXXX XXXX XXXX, or XXXX XXXX XXXX received my private information. Unifin Inc and XXXX XXXX XXXX do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to Unifin Inc XXXX XXXX XXXX XXXX XXXX 

I am not a party to any agreements that Unifin Inc and XXXX XXXX XXXX XXXX or may not have with XXXX XXXX XXXX. I am not responsible for Unifin Inc and XXXX XXXX XXXX purchase / transfer from XXXX XXXXXXXX XXXX. I have not agreed to pay/tender anything to Unifin Inc XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. 
Please be advised that Unifin Inc, XXXX XXXX XXXX, and XXXX XXXX XXXX will each received validation notices via certified mail. ( I will upload proof upon request ) Each reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 

With proof attached; please be advised that neither : Unifin Inc, XXXX XXXX XXXX or XXXX XXXX XXXX are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.
Consumer complaint received 2022-07-11
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 XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX acct XXXX 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 an account without my written instructions.
Consumer complaint received 2020-09-09
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

Money order was purchased XX/XX/XXXX in XXXX, NY for {$1000.00} I totally forgot about the money order, and I tried to use it XX/XX/XXXX to pay my XXXX XXXX XXXX XXXX The money order was returned to XXXX XXXX XXXX - I didn't realize that the money order loses value after 3 years and that's why it was returned. However, since XXXX XXXX XXXX is such a big company with a huge AR department, they can't find the returned check. 

I've been dealing with Moneygram with 2 years and they are playing games with me till this day. They are able to pull up the money order and see that the money order was never cashed, but still request the original money order. 

Essentially, Moneygram is holding onto my money that is not rightfully theirs, but mine.
Consumer complaint received 2020-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (OK)

Ability Recovery is a collection agency on my XXXX  credit report original company XXXX XXXX, world acceptance owns XXXX XXXX, XXXX XXXX is a closed and paid account on my credit report, I have proof, I was not notified by XXXX XXXX at all, and statue of limitations have passed for a XXXX account, they re aged a XXXX account to appear XXXX, this is illegal. it's paid so I don't know why ability recovery is trying to collect, please have this company delete their collection off my report, it's hurting my process in trying to get a home. Thank you
Consumer complaint received 2020-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was told that I would received results within 30 days when I file my first complaint. It has now been 40 plus days and I still haven't received anything so I guess it ok for them to LIE to me and just ignore my request
Consumer complaint received 2020-08-20
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

PURSUANT TO 18 USC 8, I OWE NO DEBT. THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681B. COMPANY HAS NO PERMISSON TO REPORT ANYTHING USING MY INFORMATION PURSUANT TO 15 USC 1681. ( 4 ) PORTFOLIO RECOVERY NEEDS TO REMOVE IMMEDIATELY THEY HAVE NO GROUNDS AND I HAVE NEVER DONE BUSINESS WITH THEM. THERE ARE NO CONTRACTUAL OBLIGATION BEARING MY SIGNATURE WITH THIS COMPANY. I AM NOT ASKING FOR STATEMENTS THAT DOES NOT PROVE THAT THIS IS MY DEBT. PLEASE SHOW ME WHERE I GAVE YOU OR ANY OTHER AFFILIATES OR THIRD PARTIES PERMISSION TO CONTACT ME OR REPORT MY PERSONAL INFORMATION. IF YOU CANT SUPPLY THAT DELETE IMMEDIATELY.
Consumer complaint received 2020-09-09
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. (MA)

I was victim of fraud and I have a Bankruptcy on my three credit reports ( XXXX XXXX, Experian ) that I never authorized. The lawyer  scammed me into filing a bankruptcy when I didn't need it. 
In addition, all the charge-offs accounts ( included in XXXX ) in my credit reports were in good standing before the bankruptcy including my actual mortgage that I'm still paying and it's reflecting as " Debt included in Bankruptcy '' which does not allow me to get approved for financing to get another property. 

Please I need to get this resolved ASAP, as this is causing me too much stress because I'm not able to get approved for any financing due to this Bankruptcy fraud.
Consumer complaint received 2022-04-08
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. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am truly disappointed with this company.. I called this morning, XX/XX/2022 at XXXX EST, to request a copy of my credit report and score. I spoke with a rep by the name of XXXX, they won't give you they're full name, to place the request. As I'm speaking with this rep, of course the normal way they send the report is via mail, however I asked if the report could be emailed. The rep said it could be requested for a charge of {$9.00}. I agreed to pay the charge to have my report sent immediately. The rep verified my email address, processed the charge and stated the report would be to my email address in about 5-10 minutes. Well its now been two hours since I spoke with this rep, no credit report has been received, so I called back and spoke " 4 '' different reps, including " 2 '' supposedly supervisors, but found out the report could not be emailed that I was provided incorrect information. I've had to request for the charge to be refunded and I will go online and request my report. This is unbelievable how much lack of responsibility for they're errors which is unacceptable, especially when they have access to our personal information that affects our lives. I no longer trust this bureau with my personal information and I am now concerned what will happen to my credit report from this bureau in the future. I also have to contact my financial institution to dispute this charge. There are also several negative complaints on XXXX about TransUnion.
Consumer complaint received 2022-04-08
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. (LA)

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX