davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (PA)

The XXXX XXXX XXXX acct that appears on my credit files at experian and equifax is inaccurate and inconsistent, despite these credit reporting companies claiming they have verified the account as accurate. I have attached my credit reports to this complaint and have highlighted the inaccuracies and inconsistencies. In addition, this account was charged off and reported to the irs as a loss by XXXX XXXX XXXX in which the IRS deems this account as taxable income on my part. Thus i am due a 1099c so i can file taxes on this income which to date i have not received from XXXX XXXX XXXX Income SHALL not be reported to my credit report. Due to experian and equifax negligence to properly investigate a file before it is placed on my report, this income is incorrectly appearing on my credit file. i have ALSO requested per section 623 all the information regarding this account from XXXX XXXX XXXX including an original contract with my wet signature, the original amount of the vehicle, and various other financial details of this account as i would be able to compare with my records and to date, i have not received any correspondence from the company. i requested this information via written mail and by signature on receipt mail of which i have attached proof that it was received on XX/XX/2022. it is beyond the allotted fcra given time that i am to receive a response ; thus this account should have been deleted because the information i requested was not given in the time frame allowed.in addition, this account ended in repossession and by law XXXX XXXX XXXX has the responsibility to provide me with certain documentation about the repossession, auction location, after auction sales bill, the amount the vehicle was sold for and any surplus amount and etc. this is per new jersey state law where the vehicle was repossessed and i NEVER received any of these required documents, hence making this charge off ineligible for collection activity or reporting to my credit files, as a deficiency can not be claimed if these post repossession laws are not followed. This account is an all-around inaccurate account and i request its removal from my files immediately due to neglience on behalf of XXXX equifax and XXXXXXXX XXXX XXXX to follow fcra, truth in lending, new jersey UCC codes and FDCPA regulations rules and laws.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP (PA)

The American Honda Finance acct that appears on my credit files at XXXX and XXXX is inaccurate and inconsistent, despite these credit reporting companies claiming they have verified the account as accurate. I have attached my credit reports to this complaint and have highlighted the inaccuracies and inconsistencies. In addition, this account was charged off and reported to the irs as a loss by American Honda Finance in which the IRS deems this account as taxable income on my part. Thus i am due a 1099c so i can file taxes on this income which to date i have not received from AMERICAN HONDA FINANCE. Income SHALL not be reported to my credit report. Due to XXXX and XXXX negligence to properly investigate a file before it is placed on my report, this income is incorrectly appearing on my credit file. i have ALSO requested per section 623 all the information regarding this account from AMERICAN HONDA FINANCE including an original contract with my wet signature, the original amount of the vehicle, and various other financial details of this account as i would be able to compare with my records and to date, i have not received any correspondence from the company. i requested this information via written mail and by signature on receipt mail of which i have attached proof that it was received on XX/XX/2022. it is beyond the allotted fcra given time that i am to receive a response ; thus this account should have been deleted because the information i requested was not given in the time frame allowed.in addition, this account ended in repossession and by law AMERICAN HONDA FINANCE has the responsibility to provide me with certain documentation about the repossession, auction location, after auction sales bill, the amount the vehicle was sold for and any surplus amount and etc. this is per new jersey state law where the vehicle was repossessed and i NEVER received any of these required documents, hence making this charge off ineligible for collection activity or reporting to my credit files, as a deficiency can not be claimed if these post repossession laws are not followed. This account is an all-around inaccurate account and i request its removal from my files immediately due to neglience on behalf of XXXX XXXX and american honda finace to follow fcra, truth in lending, new jersey UCC codes and FDCPA regulations rules and laws.
Consumer complaint received 2020-05-20
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: Amsher Collection Services, Inc. (CA)

AMSHER is a collection agency collecting for XXXX XXXX  in the amount of {$150.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and XXXX to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My credit report contains information that is inconsistent, incorrect and not valid ; I would like any and all names, addresses and derivatives of names and addresses that are not the following to be removed : Full Name : XXXX XXXX XXXX XXXX XXXX and Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/1987 Social Security Number : XXXX Attached to this request is copies of my current valid drivers license, social security card, and proof of residence.
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (NH)

I bought furniture from XXXX XXXX XXXX and Wells Fargo is the finance company. I never received an initial bill even though they had my email address. They charged me late fees. I have spoken to more than 10 people because Im having issues setting up my banking information online. I spoke to XXXX tonight. My issues continue and I cant get any help so Im not able to make my payment so Im sure there will be more late charges.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MN)

My car, XXXX XXXX XXXX is financed through Toyota Financial Services. My car was involved in an accident and was totaled. As a result my insurance paid its part and my gap coverage paid theirs. There was still a remaining balance due which was sent to me to be paid off. First I received a bill for {$670.00} then another bill came a day later with an updated balance of {$590.00}. I paid the the bill with the balance due of {$590.00} and sent in my check with the bill attached following the instruction on the bill. Now after looking at my credit report, Toyota Financial Services has made a derogatory mark on my credit report saying I still owe {$80.00} and the the amount has been charged off. 

When I contacted Toyota Financial Services they're telling me they can't find my check or the bill they sent me of {$590.00}. They wanted me to send them a copy of the bill and canceled check. I told them I don't have a copy anymore because the instructions on the bill says to send it in with my check and that is what I did. I have not gotten a chance to send my cancel check because they did not instruct me on how to send it. I have talked to Toyota Financial 3 times. The first two times they said they were going to escalate and get to the bottom of it, but they never did. The last time I called, I asked to speak to a manager and they put me on hold forever that I had to hang up.
Consumer complaint received 2023-01-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I send in a letter asking to rescind my auto loan, the company respond but saying I disputing the information on my auto finance report when I didn't ask for that. I asked for my loan to be rescinded. Then I send a reply letter again telling the company I want to rescind my auto loan and Opt out from the company reporting to personal information. they are now refusing mail from me
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (FL)

Dear Equifax Bureau, I am a consumer of Equifax. There are some Fraudulent Hard Inquiries on my credit report. I called the lenders in order to remove those inquiries and let them know that it wasnt me who applied. They told me to contact Credit Bureaus. I called Equifax customer service and they asked me to send a letter along with an FTC report in order for these fraudulent inquiries to be removed. 
I have already contacted you through phone, also sent you a mail but have no results so far. These hard inquiries are not mine, please remove them from my credit report : CREDITOR INQUIRIES : XXXX  DATE OF INQUIRY : XX/XX/2022 CREDITOR INQUIRIES : XXXX DATE OF INQUIRY : XX/XX/2022 CREDITOR INQUIRIES : XXXX XXXX DATE OF INQUIRY : XX/XX/2022 CREDITOR INQUIRIES : XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/2022 CREDITOR INQUIRIES : XXXX  DATE OF INQUIRY : XX/XX/2022
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (CA)

I have loan with XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The XXXX and Equifax Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$270.00}
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (VA)

I had an account with Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX, XXXX, XXXX over 5 years ago. Account was opened when I leased my first XXXX XXXX thought my dealership, XXXX XXXX in XXXX, VA on XX/XX/XXXX. My car was a total loss and my GAP insurance paid off the remaining balance in full. Account was completely closed on XX/XX/XXXX. Only now trying to get a better apartment I checked my credit score and this company keeps reporting some balance that does not excist. It has been ruining my credit this whole time and that is unfare. 
I contacted Santander over 4 times. On XX/XX/XXXX I spoke to an agent XXXX ( ID XXXX ), Alter he confirmed with his manager that the amount will be removed and I will be receiving a Paid in Full letter via my email within next 4 hours, I did not get it. I called again on XX/XX/XXXX and spoke with an agent ( ID XXXX ) asking why I did not get the letter like they promised. All I was told that the request was submitted again and I will get it. 
Still nothing and I called again on XX/XX/XXXX and spoke with an agent ( ID XXXX ) who stated that the email on file was incorrect. I have been confirming it multiple times and I was told to wait again. Called again on XX/XX/XXXX and spoke with ( ID XXXX ) who stated that her screen is frozen and she can not assist me. The calls should be recorded by Santander so please investigate this company who should not be in business. I have no time to spend another hour with them and get absolutely nowhere.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My account was charged off during the peak of the pandemic in XX/XX/2020. With no option to pay. You attorneys are scamming me in court and are being exposed for lying after the knowing know it was forgiven. I have rights during the pandemic why am I being discriminated?
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (CA)

I have been a victim of identity theft /fraud I have report this over and over to American Express and XXXX XXXX XXXXXXXX and also XXXX bank I did not sign up for these cards. To save my XXXX XXXX, I went on payment plans. I needed to move out of my home. I have an active DVRO against my ex wife. She likely signed up for these cards without my permission. I have reported this to all the credit card companies. I have reported Fraud through my XXXX account. These credit card companies call me repeatedly to a point of me having a mental break down. I can not afford the debt, and I did not sign up for these cards. I never gave approval. I never even held these cards in my hand. My court filings also state this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding a copy of the application that was signed opening up this credit card. I want IP addresses, and proof from AMEX that I applied and wanted this credit card. I have never held it, used it, ever. This was opened by my ex wife without my permission! I demand proof that I opened this account, gave permission to open this account ( i did not ) and with a copy of the application with my signature. This is fraud committed by my ex wife. It does not matter if I lived under the same roof as her, I never gave permission to open any cards in my name! Please provide what I am asking for. I am on a payment plan for this card only to save my XXXX XXXX as I needed to move out of the residences per court order. I should never have done this, as Amex thinks that I am taking responsibility for this payment. I have not opened this card, used it, authorized anyone to open this in my name. I have never held this card in my hand, and do not know anything about it. I want this removed from my credit report and not be responsible for paying this anymore. Please I beg you all, to provide what I am asking for. I need proof from Amex that I authorized this card. I want to see my signature on the application. This is fraud! Please seek the truth in this matter. I simply can not keep paying for something I never opened up, used, or benefited from in any shape or form. I am paying on payment plan {$650.00} which is legit the other {$230.00} payment plan per month is not. That is the one I am referring to.
Consumer complaint received 2023-01-30
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. (MN)

I sent a letter out on XX/XX/XXXX to TransUnion Here are my tracking numbers, XXXX XXXX According to the law 15 U.S Code 1681a- Definitions, rules of construction. 

The term 'investigative consumer report ' means a consumer report of portion thereof in which information on a consumer 's character, general reputation personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained from a creditor of the consumer. 

I would like to know who they talked to? 

How did they complete this investigation? 



In the dispute letter I asked for A copy of the original application must be sent with the results of this dispute investigation, that also include my electronic signature. With the results of this investigation, I want a copy of the full payment history from the original creditor, and I want a copy of the original purchase agreement that shows that the creditors can legally collect this alleged debt with the original creditors name and address. 

They did not send the information or documentation that was asked for and needed to prove they did a real investigation on the accounts listed in the dispute
Consumer complaint received 2023-01-29
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022, I sent your company a dispute letter requesting your methods of verification and questioned your investigation practices. As a consumer I requested to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. The items I requested as methods of verification are The name of the original creditor, The creditors address and telephone number, The persons name they verified the dispute with The Valid documentation used to validate the dispute. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATION YOU ARE COMMITTING. Your unjust investigation practices caused me to contemplate suicide, have Financial breakthroughs, and lose sleep. Please send the methods of verification requested for the accounts listed below or delete the accounts from my credit report and update my personal information immediately. Thank you in advance
Consumer complaint received 2023-01-30
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. (NY)

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681 602 A which states that I have a right to privacy.

Also, they have violated my rights under The Financial Privacy Act of 1978 and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). 

Also violating 18 USC 894. Using my TRADENAME without express written consent in violation of O.C.GA. S 16-9-93.1 Names Reported : XXXXXXXX XXXX and THE US DEPT of EDUCATION have violated my rights and restraint of trade in violation of 15 USC 1 and 15 USC 2. 

Additionally, it clearly states under 15 USC 1681 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act. 15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following lems of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo bank closed my credit card without a clear reason. I called to ask Wells Fargo why they closed my account. They didn't give me the reason and just said they don't want me to be their customer after over 8 years with them. That affects on my credit score and credit history.
Consumer complaint received 2020-05-20
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HEARTLAND PAYMENT SYSTEMS INC (DC)

Heartland ECSI has been repeatedly contacting me in an attempt to collect payment on a {$2600.00} emergency loan that I had to take out as a XXXX XXXX University student during XXXX. The bill has escalated to {$2900.00} and is not my responsibility because yesterday, on XX/XX/XXXX, I contacted the university 's financial aid office and they noticed an error on my account. There was actually a credit on my account from a valid student loan that by fault of the university was returned to the lender. I now have a tuition refund credit on my account in the amount of {$10000.00}. Heartland ECSI has mentioned that all they can do is work with me to initiate a payment plan but I do not owe them any money at all.