davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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. (GA)

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX The credit bureaus are in violation of the law. I showed them multiple times on how they are violating the Fair Crdit 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 don't have written permission.

According to 15 USC 1681 I have a 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 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 notice, that specific information is inaccurate; and ( ii ) the information is in fact inaccurate. 

They have committed countless violations and has blatantly shown total disregard for the law.
Consumer complaint received 2023-03-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Tesla, Inc. (CA)

Hi, I ordered with XXXX on XX/XX/2023 My order price was {$53000.00} and later last month I was checking if anything is available for delivery. There was 1 car available i tried to see what i am getting, since it didn't load the description on the website. I chose select car so i can see what i am getting. But it went ahead and placed the order for that car. I was not trying to purchase that car. I was only trying to look what they are offering. I called tesla back that I don't need this car since My original car was long range this is standard range. Please change it back to my original order. After trying 4-5 times they changed my order and put the Current price which is {$54000.00}. I called them spoke to manager he said he will request the change and later i got text they will not change it. I try to explain them there was an error on website i was only trying to see what i am getting. I didnt mean to downgrade my purchase from long range to standard range. but they dont want to listen.Now that manager wont answer my calls or respond back to voicemails. I have attached the picture which i took today and looks similar as same error i got that day./ They dont want to admit Please help me.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX at roughly XXXX I received a text alert that there was suspicious activity on my debit card. At this time I was at work on camera at my office in XXXX Ohio. I started work at XXXX and was there until XXXX as always. I did NOT reply to text message instead I immediately checked my bank app and called XXXX XXXX XXXX. These charges were at a XXXX XXXX and an XXXX XXXX in XXXX Ohio, almost XXXX hours away from me. They were debit transactions yet I did have my physical card with me. I had also used my card in XXXX Ohio on my way into work that morning at a XXXX. I did not receive a text warning until the XXXX charge was attempted, therefor XXXX charges were posted already. I did not authorize these charges! I do not know of anyone that would have my information either. I don't know how this happened but I know it was not me. 
On XX/XX/XXXX I received a letter stating that these charges were authorized so I won't get my money back. I have been fighting with XXXX for too long with nothing to show for it. I told them I want cameras checked to prove that it was not me, as I was at work. XXXX stated they don't do that. I did call again and request my dispute be re-opened on XX/XX/XXXX. 

I attempted to get my text message history to prove I never sent an authorization text message. They state I did approve through text. I absolutely did NOT and would not approve this! That was all of my money! 
Also I've spoken to the XXXX XXXX customer service and they said this charge didn't take place. They checked everyday of the week ( XX/XX/XXXX - XX/XX/XXXX ) and there was no charge for this amount at once at all. XXXX XXXX doesn't have my money and neither do I. 

I have spoken to an attorney who told me i am doing all the right things and the next step after this would be small claims court but I don't know how that would go. Who do I go after XXXX? This big bank. 

I also filed a police report in XXXX which will be attached. I have continuously called and emailed XXXX XXXX XXXX since XXXX. I will not give up! 
As of now the XXXX police say unfortunately there are too many cases like this to investigate each one. So they are not even looking into this for me. At least a report was filed. 

My card at the time was immediately deactivated, within an hour of my finding these charges. I acted immediately. 

XXXX XXXX charge was for {$2100.00} ( XXXX XXXX XXXX XXXX Ohio XXXX ) XXXX XXXX charge was for {$440.00} ( XXXX XXXX XXXX XXXX Ohio XXXX )
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the accounts listed on my credit report. Upon reviewing the report, I have found several errors and inaccuracies that require immediate attention. 

Firstly, I would like to dispute the late payment account listed under my name with XXXX XXXX XXXX ( Account Number : XXXX ). I have not made any late payments on this account and request that this be rectified in your records. 

Secondly, the charge off accounts with XXXX ( Account Number : XXXX ), XXXXXXXX XXXX XXXXXXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX  ( Account Number : XXXX ), XXXX XXXX XXXXXXXX XXXX Account Number : XXXX ), XXXX XXXX  ( Account XXXX XXXX XXXX ), XXXX  XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), and XXXXXXXX XXXX XXXX ( Account Number : XXXX ) are inaccurate and need to be removed from my credit report as soon as possible. 

Furthermore, the collection accounts with XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ), and XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) are also incorrect and require immediate action. 

Moreover, I would like to bring to your attention that I have filed for bankruptcy ( case number : XXXX ) and would request that you update my records accordingly. The bankruptcy case number is XXXX and XXXX. 

Finally, I have noticed inquiries on my report from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX, which were not authorized by me. I request that these inquiries be removed from my credit report immediately. 

I believe that the above-mentioned errors on my credit report have caused considerable damage to my credit score, and I am requesting that they be corrected as soon as possible in accordance with the Fair Credit Reporting Act. Please confirm receipt of this letter and let me know when I can expect a response from you. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (TX)

A debt collection company by the name pf Phoenix Financial Services has placed an open account on my credit report on XX/XX/XXXX. In my research this stems from an ambulance bill. The service date was XX/XX/XXXX, I almost lost my life this day. The ambulance bill was taken care of by or should have been taken care of by the Texas XXXX XXXX XXXX XXXX, as well as my employer XXXX XXXX XXXX XXXX who had also insurance through XXXXXXXX XXXXXXXX. This was a work related incident. The originator of this bill was XXXX XXXX XXXX, hence XXXX. My credit score is now destroyed, prior to this collection that appeared out of nowhere, showed my credit report with good and exceptional credit. This fraudulent and erroneous collection that was placed on my XXXX score caused a plummet of XXXX points. I have disputed this with the 3 credit agencies, XXXX, XXXX and XXXX and deeming this as identity theft. The Workers Compensation is also reviewing as well and my pervious Employer, XXXX XXXX XXXX XXXX and XXXX XXXX. This company Phoenix Financial should have never put this on my credit report as a collection. This company according to complaints with XXXX and yourself is destroying peoples credit and life. Please investigate to close this company for continuing to destroy peoples credit with placing false collections of peoples credit report. They need to delete from credit report and reinstate the score prior to this fraudulent collections. How are they able to get away with identity theft and place it on someone's credit. This is clearly with so much evidence a workers compensation claim. If there are any one fighting to get their name cleared from these false collections, please share and help us fight so no one else is destroy by Phoenix Financial Services-Collection Agency .
Consumer complaint received 2023-03-21
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP (NY)

I am writing to file a formal complaint against American Honda Finance. I co-signed a lease agreement for my daughter. She failed to make payments and I was never notified by mail, email or phone that any payments were delinquent. When the account reached XXXX months ' past due, I was notified by my credit monitoring service that my credit score had been negatively impacted. I had to contact Honda for the details and was told that I had no recourse to reverse the negative report. I wrote XXXX letters asking that the negative marks be reversed because I had not been notified of the delinquency. I never received a response to either letter and never received a valid reason as to why I was never informed that the account was past due. I called Honda to inquire as to the status and was simply told that my request was denied. It was immaterial to them that I have NEVER been contacted by Honda. 

As soon as I learned the account was past due, I immediately brought the account current, took full responsibility for the account and arranged to personally make all future payments. I take great pride in my credit score and Honda lacked empathy and concern to fix their error and acted callously and maliciously by reporting the late payments without ever trying to notify me so I could avoid these negative marks. Honda is a greedy organization with no concern for damaging the credit of an honest, tax paying individual. 

To reiterate, I never received ANY notice of delinquency from Honda and I was ignored when I contacted Honda by mail to resolve the issue. As soon as my credit monitoring agency alerted me to the issue, I brought the account current and have kept it current because I felt threatened by Honda that they would further tarnish my credit score without any notice. To this day, I have not received any correspondence from Honda in any form. 

I am only asking that the XXXX late payments be removed from my credit history.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX has continued to post bad information on my credit report. None of my reports say the same thing. The more information I provide the worst the reporting gets. 

I have attached proof that I have been paying my account. 

I will be contacting a lawyer and the AG of Texas about this. This false reporting is causing me hardship. 

1. ( XXXX  ) XXXX  XXXX Last reported XX/XX/2020 {$120.00} Reported balance PAYMENT HISTORY You've made 70 % of payments on time All 2020 payments are reported as LATE. 
Minimum monthly payment {$25.00} 2. ( Equifax ) XXXX  XXXX Last reported XX/XX/2020 {$99.00} Reported balance All 2020 payments are reported as LATE, except for XXXX. 
Minimum monthly payment {$25.00} 3. ( XXXX  ) XXXX  XXXX Last reported XX/XX/2020 {$120.00} Reported balance All 2020 payments are reported as LATE, except for XXXX. 
Monthly payment {$25.00}
Consumer complaint received 2023-03-09
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. (LA)

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MI)

WF froze my account due to many XXXX that customers send to my account. They allowed XXXX to continue flowing in until I was ready to wire the funds to order products they froze my account and noted that the account will be closed on XX/XX/XXXX and funds to be disbursed thereafter. Today XX/XX/XXXX when I called them to enquire about my funds they said theyve extended the closure date till XX/XX/XXXX all while I lose business opportunities. 

I am requesting that they closed my account now and return all my funds back to me or give me access to my funds so that I can transfer them elsewhere. 

Its unfair that they are holding my funds for no obvious reason and then profiting from my funds while I lose on great opportunities.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: World Acceptance Corporation (AL)

I hope this letter finds you well. I am writing to bring to your attention some inaccuracies in the information reported by your company, specifically regarding my accounts with XXXX, XXXX, and XXXX. 

As per my records, the dates of the accounts opened are as follows : XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, and XXXX - XX/XX/XXXX. Furthermore, the reported high credit amounts are XXXX- {$430.00}, XXXX- {$430.00}, and XXXX- {$580.00}. 

However, the dates of the last report provided by your company are incorrect. The accurate dates are XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, and XXXX - XX/XX/XXXX. It is crucial to report the most up-to-date and accurate information to ensure the integrity of my credit profile. 

Moreover, I would like to bring to your attention that the reported payment history is reflecting a charge-off status for each month. However, this is inaccurate as these accounts are collection accounts, not charge-offs. As per the Fair Credit Reporting Act ( FCRA ) guidelines, it is essential that the information reported on my credit report is correct and reflects the accurate status of the accounts. 

I want to emphasize that a collection account balance can not be reported as {$0.00}. I kindly request that you rectify these inaccuracies and report the correct information in a timely manner. I urge you to adhere to the guidelines outlined in the 15 U.S. Code 1681s2, which states that furnishers of information to consumer reporting agencies must provide accurate information and refrain from reporting inaccurate information. 

To facilitate your investigation, I am enclosing a copy of my credit report from your credit bureau. It highlights the discrepancies mentioned above and includes your company 's information showing the inaccuracies. I trust that this will assist you in rectifying the errors promptly.

It is essential to rectify these inaccuracies, as they may give the impression of fraudulent activities to lenders when they view my credit profile. I implore you to take the necessary steps to correct the information promptly and ensure compliance with the law. 

I appreciate your attention to this matter and your prompt action in rectifying these inaccuracies. Please provide me with written confirmation once the necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution of this issue. 

Sincerely,
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2023-06-22
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute an account that are falsely listed on my credit report with your bureau. I have no knowledge of the following account and it is inaccurately listed on my credit report. According to the Fair Credit Reporting Act, legally the following inaccurate items must be removed. I have already contacted the company, and they do not have any information reflecting on my file. 

The following late payment must be removed immediately : Creditor Name : XXXX XXXX XXXX ( XXXX ) Type of Business : Debt Collector Account Number on Credit Report : XXXX I HAVE NO KNOWLEDGE OF THESE CREDITOR OR ACCOUNT WITH XXXX. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE ACCOUNT REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Consumer complaint received 2023-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (CA)

XXXX XXXX  owes me money. They have garnished my credit score for a claim of thousands owed. They have in part made me homless, carless, and unhireable due to the debit I paid in full, reopened the bank account and am being told to repay the same debit after it was already paid settled. The XXXX XXXX fraud case for settlement of {>= $1,000,000} owed to consumers is what their trying to get away with SHYSTING people like me. I have suffered damages because U.S. Bank give my information to criminals with their FRAUD business.
Consumer complaint received 2021-06-25
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: Shellpoint Partners, LLC (TN)

Shellpoint mortgagee is reporting a foreclosure on my credit report. I never had a mortgage with this company, never heard of them. I have never had a mortgage for the amounts or dates they are reporting. This inaccuracy is preventing us from getting a va home loan. I think they have something to do with XXXX. XXXX illegally foreclosed on my husband 's va home loan when they were not supposed to, but I don't understand where this shellpoint mortgage company is related to them.