davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (FL)

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  # XXXX, Account XXXX  XXXX # 1944, Account XXXX XXXX XXXX # XXXX, Account 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 2021-09-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (SC)

I have disputed a collection on my credit report with Monterey Collection Service, and not once have they shown me any correct documentation of this debt. Not is the collection still in place, but it continues to increase every few days. I have not been notified via phone call nor email from the collection agency.
Consumer complaint received 2024-09-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

The salesman at XXXX XXXX, XXXXXXXX XXXX  deceived me : He told me that I would be getting a {$7500.00} Nissan Discount IN ADDITION TO the Federal EV Tax Credit ( = {$15000.00} ). Turns out they were merely taking over my Federal Tax Credit and applying it to the cost of the car. But by doing so, they left me stranded without transportation for 2 1/2 weeks ( XXXX miles from supermarket ) while XXXX took their time approving my credit. ( XXXX had told me I needed to partially finance car to get additional fictional Nissan XXXX. ) The XXXX weeks being shipwrecked was totally unnecessary! And in paying off the partial loan, Nissan Acceptance got a little extra bucks from me, too.
Consumer complaint received 2020-08-24
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. (FL)

Please investigate and delete the following disputed accounts that you are showing on my credit report : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXXXXXX account # XXXX 5.  XXXX XXXXXXXX account # XXXX
Consumer complaint received 2022-09-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX hasn't responded to my dispute letter in over 30 days. 

I have sent certified mail and attached the receipt number as well in my dispute letter. 


receipt # : XXXX The account # : I was disputing was : XXXX
Consumer complaint received 2020-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: E & C Finace Company Inc (AL)

My legal name is XXXX XXXX I currently reside at XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. I am demanding that the following account listed below be removed from my credit file as it is fraudulent & inaccurate. The credit reporting agency XXXX  faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX  credit reports. If you do not immediately remove these inaccurate and incomplete accounts in 1 business day, I will move forward with filing suit against your company and all companies involved, as I have never done business with your organization and should not be responsible for any fraudulent accounts and information placed on my personal credit files as a result of identity theft. Over 60 days ago, I requested full debt validation from your company however I have yet to receive the legal information requested.
Consumer complaint received 2019-09-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP (TX)

On Wednesday, XX/XX/XXXX I went to XXXX XXXX XXXX of XXXX to trade in my XXXX XXXX  XXXX and purchase a XXXX XXXX. I was told I was not approved for the XXXX but was approved for a XXXX XXXX XXXX. I signed paperwork showing that my payments were $ XXXX for 72 months and 18 % interest. I left that night in a brand new car. I was not given my signed paperwork as the finance guy said they were going to still look for a better deal with a lower interest rate. I brought the car back to the dealership on Saturday, XX/XX/XXXX due to the tire pressure light coming on, black smudges on the seats and to pick up my paperwork. I was told the papers werent ready and that they would give me a call. A few days later a received a call on Wednesday XX/XX/XXXX to come in and get paperwork. Once I arrived I was told that they had gotten busy and they did not need me. I would receive a call on Friday. XX/XX/XXXX I received a text stating they did not need me that day. Saturday XX/XX/XXXX I received a text to come in that morning. Once I arrived to the dealership I was then approched by the finance guy who was handling my stuff and was told that I actually was never approved for the XXXX Civic that I have been in possession of for almost 2 weeks. If I was never approved WHY ON EARTH would you allow me to leave in the car and put 600 miles on it?! I asked why none of this had been discussed the entire time the dealership had been asking me to come in and then leave because they didn't need me? I was then told that they found me a reall good deal on a used XXXX XXXX XXXX. I said no I did not want another used car and that I would rather keep my XXXX XXXX  and I wanted my down payment of {$800.00} back. I WAS TOLD NO I COULD NOT HAVE MY CAR BACK AND THAT I NEEDED TO LOOK AT THE USED CAR THEY WERE OFFERING. I looked at the car, and yes its very nice but still not what I came in for and felt like I was forced to take the deal because they could not give me my old car back. I was then told that my paperwork showing the XXXX payments of {$490.00} were a lie ... payments were actually almost {$600.00} a month. Payments on the used XXXX are {$510.00} a month, again not something I wanted. I was then told that they were giving me an extra warranty for the car free of charge. This was not the case, after having someone who used to work for XXXX review my paperwork, XXXX charged me an addiontial {$2500.00} on the loan for the said warranty. I AM SO UNHAPPY WITH THIS PLACE FORCING ME TO BUY SOMETHING I DIDN'T WANT.
Consumer complaint received 2024-10-11
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX- Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/year>
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington Bank erroneously reported to the credit reporting agencies that a credit card account in my name was delinquent. The alleged delinquency occurred in XXXX of 2017. A review of all account statements and correspondence from Huntington reveals that the account was never delinquent, that it was closed on XX/XX/2017 and that the balance remaining on the account was {$0.00}. Copies of all relevant documents establishing for foregoing facts, including a Timeline of Events, is attached for your reference. 

I notified Huntington of the error by telephone and they insisted that the account was delinquent. I requested that Huntington provide me with documentation substantiating their claim and they have refused to provide it. In addition, I provided Huntington, via certified mail, copies of all relevant statements and correspondence. They did not respond to my correspondence.
Consumer complaint received 2024-11-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates (PA)

XXXX XXXX XXXX ( gas utility ) charged me for a utility gas bill and then put bill into collections and dropped my credit score by XXXX points. Now, the last time I had my name attached to XXXX ( XXXX XXXX XXXX ) was XX/XX/XXXX. But they reported me to collections, as owing them money up until XXXX, for a property that I wasn't even living at. The amount they reported is {$1400.00}. I have a lease to prove that I was not living at the address attached to this bill. Also, the billing address attached to the amount of money they sent to collections is a XXXX XXXX XXXX ( XXXX XXXX XXXX ) to be exact. 

Right now this is on my credit report as a collection on my XXXX and XXXX as of XX/XX/XXXX.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX i was over charged by {$9800.00}. Bank of america credit card took almost one month to return my funds. They still owe me {$10.00} and have had multiple excuses as to why they can not figure out how or when they'll be returning my finds. I always get a different answer, just a run around. Please help so they can not do this to others as well.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America is reporting to the Credit agencies incorrectly as I am an authorized User on my husband 's BOA Visa card and in no way responsible for his debts. I have my own BOA  credit card. My credit score went down considerably because my husband made a large purchase on his card which hit MY credit score. ( XXXX XXXX to mid XXXX!!! ) My available credit is in no way near what my husband 's available credit is so it hits my report considerably and erroneously I might add. 
That should be illegal as this debt shows on his and my credit report! I am in way responsible for his debts on this card. 

XXXX  XXXX di the same to me a few months ago and we took me off as authorized user which is what we did this morning to BOA XXXX XXXX!
Consumer complaint received 2021-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northtown Capital Services Group LLC (TX)

My sister and I received calls from a XXXX or XXXX XXXX ph # XXXX with Northtown Capital services a collection agency. They are calling for a family member. I asked did the family member give him my phone number and he replied no I located my phone via search, not sure what that means, claims I came up as next to kin. I inform Mr. XXXX I do not give permission to him or his company to contact me. Today he called my sister that lives me and was told by her to not call his reply was " we only called twice '' not acknowledging he is calling about a debt that doesn't belong to my sister or me. We want the calls to stop and our numbers removed from this company database.
Consumer complaint received 2020-08-24
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: Fidelity National Information Services, Inc. (FNIS) (GA)

check systems has denied deleted a fraudulent account. ( XXXX XXXX XXXX   ) in have ask them even. sent them over a FTC identity theft report and they did not want to except this. at all, I just file a dispute with them to remove this account and inquiries, all these were done with out my knowledge, checksystems has gave me problems, muy identity was used by XXXX XXXX and other banks I have sued XXXX XXXX for fraud and identity theft, please have check systems remove this account and have disputed other accounts on check systems like XXXX  XXXX XXXX and family savings as fraud please make sure these are remove to please XXXX ) this is the confirmation number for my dispute please help I'm tired of getting treated badly, also other inquiries, XXXX XXXX, XXXX  XXXX, XXXX  XXXX also the checksystems report numberer is ( XXXX )
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has came to my attention that XXXX XXXX XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith and ruin my financial livelihood. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation in writing of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. 

Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. 

XXXX XXXX XXXX is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and XXXX XXXX XXXX. This account with XXXX XXXX XXXX is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. 

Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount undersection 1666 of title 15. XXXX XXXX XXXX, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I deposited a paycheck on Tuesday XX/XX/XXXX, at my local Chase ATM like I normally do every time I get paid for over the past year. The deposit normally goes through fine and I dont have to wait any period of time to access my funds. This time however, Chase has placed a random hold on the deposit for 9 day hold on the deposit. I have called my boss and he has verified the check is good on his banks side. I have also called Chase and they just told me its a random hold and all I can do is wait until the XXXX, but even then they said theres a chance they can hold it even longer. Meanwhile my account has a negative balance and is racking up charges due to insufficient funds and theres nothing I can do. I cant feed my children, wife or pets with no money.
Consumer complaint received 2020-08-24
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. (CA)

I AM A VICTIM OF IDENTITY THEFT. MY INFO WAS USED TO FRAUDULENTLY OBTAIN GOODS IN MY NAME. PLEASE BLOCK ALL FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I HAVE CIRCLED ALL FRAUDULENT CHARGES ON MY CREDIT REPORT. MY INFO WAS ALSO LOST IN THE XXXX  BREACH. I AM AN ESSENTIAL WORKER AND MY LIFE HAS ALREADY BEEN DRAMATICALLY IMPACTED BY COVID-19. I WOULD GREATLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS ISSUE. 

XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (MI)

I would like to have the following inquiry accounts removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-22
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. (FL)

On XX/XX/2022, XXXX XXXX XXXX reported a hard inquiry on my credit report, That I do not recognize. The company agreed to remove this hard inquiry from my credit report. Please delete this hard inquiry from my credit file within 30 days. Thank you!
Consumer complaint received 2021-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
CREDIT COLLECTION SERV ( Original Creditor : HIGH POINT SAFETY ) XXXX {$240.00}
Consumer complaint received 2022-09-22
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. (DC)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights.
Consumer complaint received 2020-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Estate of XXXX XXXX XXXX -- -We sent CeLink the attached package on XX/XX/20. They have now cancelled out the entire short sale file stating their value expired XX/XX/20. We sent the file to them AFTER the value expired yet they are refusing to order a new value unless we RESUBMIT AGAIN THE ENTIRE FILE? -- -- -- -- -- Do they not understand how this short sale process works? -- -- - It seems as though CeLink is up to their fraudulent ways again. When is this going to stop?? We have to file a CFPB Complaint ON EVERY FILE WE HAVE WITH CELINK DUE TO THEIR INCOMPETENCE AND FRAUD. 

-- -- -- -- I want the valuation ordered -- - AS PER USUAL IN A SHORT SALE -- -and for this purposeful DEFRAUDING AND INCOMPETENCE from CeLink to STOP.
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America will not let me dispute XXXX dollar worth of fees because I did not pay even though I did on XX/XX/19 and bank of america reps where very abusive about it,
Consumer complaint received 2020-08-24
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. (OR)

This is now my THIRD complaint. There should only be ONE name on my credit report. XXXX XXXX. ONE address on my credit report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX. Having other names and addresses make fraud more likley since I would not receive mail there.