davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
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. (TX)

Again, I was a victim of identity theft and I wil be submitting this CFPB Complaint to request to remove the Fraudulent items from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information. The fraudulent inquiries listed on my credit report are in direct violation of this right. I need the following items removed as soon as possible : 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 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. I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. Since it has now been three months since I began disputing these inquiries, I expect immediate action to be taken.
Consumer complaint received 2022-06-21
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: AMERICAN HONDA FINANCE CORP (TX)

In XXXX  my then girlfriend called me asking could I cosign her vehicle loan. I was definitely hesitant but decided it was the right thing to do, as it would help with approval and interest. Once I arrived I made sure to ask questions and determine the important details I personally needed. The deal was I would cosign her loan, it was for about XXXX months and she was the primary buyer ( borrower ). Months later I was able to determine I was completely tricked. Even though I was signing as co-buyer at some point when I was not there and without permission it was switched. I believe my then GF credit profile was not strong enough so they without consent switch me to the primary buyer. Long story short, I paid the car off and all associated fees but not before I was affected by any negligence from then GF and scammed by Honda. As I was bringing everything current I reached out to Honda, taking notes, recording, and sending letters explaining the situation. My hard work had finally seem to pay off. They agreed that was an unfair scenario, and I was told by a Financial Manager that once the car was 100 % payed for and no more late payments that they would clear any late payments affecting my score. It was lie. I listened to them this morning I have 6 recordings, and the Manager sends deep apologies and guarantees me to how the process to work. I even wrote letters and called after the car was paid off.
Consumer complaint received 2023-05-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. 

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission. 

According to 15 USC 1681 I have the right to privacy. 

According to 15 USC 1681S-2 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. 

( B ) Reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on!!! 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. 

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission. 

According to 15 USC 1681 I have the right to privacy. 

According to 15 USC 1681S-2 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. 

( B ) Reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on!!!
Consumer complaint received 2022-06-05
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : Toyota Motor Credit XXXX Your company is in clear violation of the Gramm-Leach Act I was not given the opportunity to opt out by law the XXXX XXXX XXXX was supposed to provide various notices and meet specific opt-out requirements which they have not Title V, Subtitle A of the Gramm-Leach-Bliley Act ( GLBA ) 1 governs the treatment of nonpublic personal information about consumers by financial institutions. Section 502 of the Subtitle, subject to certain exceptions, prohibits a financial institution from disclosing nonpublic personal information about a consumer to nonaffiliated third parties, unless ( i ) the institution satisfies various notice and opt-out requirements, and ( ii ) the consumer has not elected to opt out of the disclosure. Section 503 requires the institution to provide notice of its privacy policies and practices to its customers. Section 504 authorizes the issuance of regulations to implement these provisions. change the above late payments from my consumer report to the current this agency is in violation of the Gramm-Leach-Bliley Act Failure to respond satisfactorily with a change to payment status, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, Financial institutions found in violation face fines of {$100000.00} for each violation.
Consumer complaint received 2022-06-07
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Accounts below, 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. 

XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX Account number beginning XXXX XXXX XXXX  XXXX Account number XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number beginning XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX bankruptcy XXXX
Consumer complaint received 2023-03-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-08-11
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. (GA)

Unauthorized Inquiries on TransUnion XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized and Inquiries on 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 2021-12-09
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)

i submitted a dispute with XXXX, Experian and XXXX. with regarding these acounts i've attached the documents. 

i pulled my credit report and seen a few inaccuracies according to 12 CFR 1022.41 ( a )! now i am judging the integrity of these accounts! According to Title 12 Chapter X Part 1022.41.

12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 

12 CFR 1022.41 ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : 12 CFR 1022.41 ( d ) ( 3 ) ( i ) ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and I seen XXXX XXXX XXXX on my consumer Report & seen the open dates are XXXX different Date Opened : XXXX XX/XX/2016 Experian XX/XX/2016 and well as XXXX XXXX : XXXX {$2000.00} Experian {$0.00} XXXX Deleted this account but Experian seem to keep reporting this inaccuracy which is Hurting my consumer 's creditworthiness, credit standing, credit capacity.
Consumer complaint received 2022-08-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (CA)

I attempted to buy a car from XXXX XXXX in XXXX California. I was told I could not purchase the car with my own financing but that they could finance me at a higher rate and for a longer term than my bank could. Additionally they would not allow me to purchase the car if I did not purchase an extended warranty to the tune of {$2900.00}. I offered to pay cash and they said that they could not sell me the car unless I paid for the extended warranty that I did not want. 

There were 5 exact cars that already had a 30 % market adjustment applied to the sales price which I was willing to pay. 

They refused my business..
Consumer complaint received 2023-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (NC)

ACIMA DIGITAL FKA SIMP XXXX XXXX {$1500.00} I just disputed this inquiry and below I will be attaching documents that I paid for this furniture by cash app in full At XXXX XXXX Yes I did buy and pay for furniture I only signed up for acima digital because I was told I had to do a credit application to get the items I ended up paying two payments a week apart of each other because I didnt want a lengthy process when paying for furniture in full I did create a credit account for Acima and put my payment information on file but didnt use the credit because I ended up going through the furniture store to make two payments to pay off the furniture I brought a recliner living set I paid {$1000.00} XX/XX/XXXX And another {$1000.00} XXXX XXXX Which means someone in the store charged me for services I didnt inquire and for an item I didnt receive So again my privacy has been violated Under Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 This is identity theft because I didnt authorize my personal identity to a debt for items that I didnt obtain or receive I am filing an identity theft report with the ftc Because someone at the furniture store used my identity to obtain product from my personal information
Consumer complaint received 2022-06-21
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AUSSRQ Holdings, LLC (CA)

Initially I contacted XXXX XXXX and let them know I had no idea what this was nor have I ever received any items from them personally. Time passes and now I'm receiving a collection notice I'm a debt collector company called oliphant USA I never shop at XXXX XXXX. Supposedly I bought some anti-aging cream I'm a XXXX XXXX XXXX XXXX man I don't need anti-aging cream nor have I ever bought anything of the sort I let them know this and they are insisting that the debt is mine which it's not I am getting extremely offended and tired of dealing with them and this fraud and do not wish for it to impact my credit
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I have had an issue with this mortgage company since XXXX turned it over to them. I have had several issues with this company. 
XXXX. I haven't received a bill, via paper or email since day XXXX even though I've made several requests. 
XXXX. I am only allowed to make payments via XXXX XXXX or XXXX XXXX. 
XXXX. I have requested a full audit of my account several times with no response. 
XXXX. Each time I speak to an agent I'm told I owe a different. I'm never able to get an accurate count of how much I owe. 
XXXX. I called today and they told me my house was in Foreclosure but, I'm yet to receive any type of notification.
Consumer complaint received 2023-08-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC (LA)

I was never aware of the collection. Never received any information. I contacted the original office they stated it was a mistake. I contacted the collection agency in XXXX and explained that they needed to verify the this. They never responded or removed the collection. I sent a debt validation letter certified mail in XXXX. They still have not responded. They are still reporting. After I asked them to stop until verified.
Consumer complaint received 2021-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc. (FL)

This collector put a collection in my account that is not mine. The Same company tried this back on 2019 and it was removed by the credit bureau due to fraud and now they using this collection company to scam me to pay a depot that I ever owned and is not mine and clearly identity theft. 
I have XXXX debt I pay all my pills before due time in full. My certificate was XXXX and dropped 84 point due to this fraud scams. Please help me I am a veteran or XXXX XXXX abs have been working to bring my cedit up for over 10 years this is nit fair please help me. The collector name is first federal credit control for company called XXXX XXXX XXXX. Please help me to stop this criminals.
Consumer complaint received 2023-01-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

My wife, a XXXX XXXX XXXX woman that has survived XXXX XXXX, was the victim of a " man in the middle '' attack by fraudsters. She was awakened on the morning of XX/XX/2022 by a phone call. She was then sent a text from what was purported to be the Wells Fargo fraud Department. The caller told her to confirm a text code

fro m WF that was to be sent. She did. She understood this to be the normal confirmation procedure of WF.

She became suspicious of the interaction and called the Customer Service number on the back of her credit/debit card. The actual fraud department said a wire transfer for {$29000.00} had been transacted. As she was still on the phone the WF staff person said another transfer just posted for {$34000.00}. She asked that both transfers be stopped and our account frozen. We have since closed that account and opened another account. 
It appears that the WF internal procedures are inadequate to protect against fraudulent wire transfer orders especially in consideration of Elder Abuse related clients. The control of mandatory security verification call to verify via voice recognition seems to be absent in this situation, but is relatively widely available. 
It seems entirely unjust and inquitable for WF to maintain their posture of reliance on their Terms and Conditions and Online Access Agreement and in light of the adhesion contract conditions of both in opening a banking relationship. This posture seems more egregious in light of the voice recognition technology availability as mentioned. 
Please advise what steps we might be able to take to recover this loss of nearly {$65000.00}. Thank you.
Consumer complaint received 2022-11-04
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. (VA)

On my Experian report a charge off date is incorrect. The date on my report is being reported XX/XX/2020 as a charge off date. I paid the charge off amount for {$80.00} on XX/XX/2020. I spoke with XXXX XXXX XXXX  to verify the correct charge off date and it was verified the correct charge off date is XX/XX/2020. XXXX XXXX emailed me a letter that states i paid the charge off amount and the date, along with a credit card statement which shows the date i paid and {$0.00} balance. I've disputed this with Experian 5 times and sent Experian dispute department my proof by XXXX certified mail. Experian refuses to correct the error made on my report and claim the dispute department verified the info on my credit report as being true an accurate. I don't believe Experian took the proper steps to contact XXXX XXXX bank to verify the correct info. I spoke to Experian dispute department several times and explained to them, but they refuse to correct this error.
Consumer complaint received 2024-10-24
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. (MD)

I reviewed my credit report and noticed an account that was not reporting accurately I had 2 late payments on a account that was paid on time but consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I also have attached a copy of myreport to this complaint as proof of my complaint on the following dates XX/XX/year> and XX/XX/year>. I am now requesting that you investigate and provide verifiable proof with records showing that I had late payments if these records can not be verified I ask you kindly to update these payments to paid on time immediately. Thank you for your understanding and prompt action.