davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AMERICAN HONDA FINANCE CORP (WI)

On XX/XX/2022 American Honda finance failed to disclose that I have a right to rescind the credit consumer transaction, which is stated title XXXX subject XXXXAmerican Honda Finance also made it an obligation That I pay a Down payment in the amount of {$3000.00}, Federal law states that it is illegal to make a person pay for something that there beings financed for.American Honda Finance would then make it mandatory for me to pay for insurance out of pocket, which was {$980.00} from XXXX XXXX XXXX .According to title 15 Subsection 1605, the finance charge is the total of all charges, which means the insurance should have been included with the finance charges.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO. (TX)

Once I cancelled my expensive protection for identity thief and or people applying for loans iny name.. Chase Bank Letter for Credit Line XXXX XXXX. The letter stated I should contact XXXX credit. I have never done business and or applied or a credit line with Chase Bank. I feel this was done through XXXX credit because of my cancellation of membership!
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My credit report stipulates that the credit card company noted my credit card was over the limit by {$38.00}. First off, no transaction should go through if I had a limit ; that's on them! Secondary, they reported this 3 weeks before the next billing statement oppose to contacting me or cancelling the actual transaction. I've had this card for nearly 12 years, never late and they contacted the credit reporting agency prior to the due date of the next statement. I am outraged! This is not the first credit card to do this and it won't be the last because any credit card company will continue to do the same after viewing my credit report. Furthermore, I know the credit cards have increased their interest charges and this notation on my credit report will only lead to the other companies raising my interest rates, denying me any future credit cards as well as lowering my credit score. I've had XXXX lower my XXXX XXXX dollar credit limit to {$2200.00} and they imposed 2 separate interest rate fees for the same balance on the billing statement while raising my interest from XXXX to XXXX percent. I received no notice whatsoever and while demanding that they forward the statements to me, it took 8 months to do so when I told them I would contact you. They did this in a sneaky way considering everyone has gone paperless in todays world. I have never been late with any of my credit card companies, I have a great standing on my report with all credit card companies being paid on time, never late and they had the audacity to imposed limitations on me and try to destroy my credit. Because of this nonsense I am now a target for anyone who reviews my credit report. It will become discriminatory! They have scarred my name and any time I will need to apply for any card or loan I will be the subject of a review. 
This needs to be resolved immediately because I am not the only one going through this. I've had 2 other credit card companies lower my credit limit while raising my interest rates and imposing a " over the credit limit on my report '' without having any knowledge of such. I wasn't informed! This is an obstruction of Justice and they should be reprimanded and fined. They are all following the same pattern because they are getting away with it!
Consumer complaint received 2023-05-14
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. (PA)

Why is it every time I use my XXXX charge Transunion takes points off my credit score when the balance charged is less than XXXX. Transunion took XXXX  points off my credit score. WHY! There are no missed payments no late payments and between the XXXX of XXXX and the XXXX of XXXX the account balance was paid in full and there is now a XXXX credit. The due date for the payment was XXXX XXXX. 

Who does Transunion think they are XXXX XXXX XXXX? 

Why are the National Credit Bureaus allowed to take points off your credit score when there are no late payments and no missed payments and the balanced is paid in full with in a few days, weeks before a payment is due on the card? 

Are the National Credit Bureaus that desperate to destroy American Citizens credit scores they take points off your credit score every time you use your cards, with no late payments and no missed payments and zero balances on the card? 

It seems the National Credit Bureau reporting systems are illegal and unconstitutional and should be eliminated! 

Return my XXXX  points immediately!
Consumer complaint received 2022-11-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XX/XX/2020, my car repossessed I was behind on my payments because of pandemic I wasnt able to work. XXXX XXXX took my car without any letter I wasnt informed theres no proof my car is going to be repossessed. After my car repossessed I payed in full then I get my car back, during they repossessed my car my credit reduced. XXXX points and I was continued to pay my payments but still on my credit report and I believe after I catch up omn payment shouldnt be on credit.
Consumer complaint received 2022-12-19
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. (CO)

I have been unable to dispute items on my credit report or freeze my credit report for the better part of a year. I've been told many times that Trans Union will call me to do 'maintenance ' on my account and this will resolve the issue. I now have a number of fraudulent items on my report I'd like to dispute and Trans Union does not seem to care too much to help me get these resolved. I have called many many times and have been hung up on many times. I need these resolved.
Consumer complaint received 2022-11-24
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: EQUIFAX, INC. (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 3XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the account corrected now! 

XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-19
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. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-11-23
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. (NJ)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than XXXX years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-19
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. (IN)

The Credit Bureaus stated my accounts was properly investigated, but how is that possible if the open dates are inaccurate, the dates last active are inaccurate, accounts that are in collection are also being reported as late payments, and the dates last reported is not accurate. This is grounds for removal. 

Inaccurate Accounts : All dates are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : My information was shared with these companies without my permission or consent 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 THEY ALSO VIOLATED my rights under 15 U.S.C 1681 sections 602 A. States I have a right to privacy 15 U.S.C 1681 sections 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions The Credit Bureaus are in direct violation of Federal Law under the Fair Credit Reporting Act ( FCRA ) 1681a ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I, the consumer and natural person, am filing this complaint about my consumer report in its entirety. The Credit Bureaus have assumed this role without my PERMISSION OR CONSENT! They did not exercise their grave responsibilities, they were unfair, they were partial, and they did not RESPECT my RIGHT TO PRIVACY! They NEVER had a permissible purpose! And I NEVER INSTRUCTED Them to furnish or create this report and I NEVER CONSENTED to this report in the first place. I have disputed these reports in their entirety as well as other accounts time and time again for years. I have asked them to remove ALL items from my consumer reports AS SOON AS POSSIBLE! And since they have failed to make reasonable procedures to resolve my requests to remove this report in its entirety, I am now being misrepresented by each Credit Bureau because these corporations have chosen to continue making fraudulent statements in my consumer report.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Subject : Complaint about Information in Credit Report : Bankruptcy I am writing to file a complaint about inaccurate Bankruptcy the following information in my file.. 

This item ( see attach ) is inaccurate because I have never had Bankruptcy before in my life. This information is false which is claimed to be given to them by the court the courts ( see attach ) does not report information to any credit reporting agency. I am requesting that this item be removed at once to restore my accurate report of my credit. 

Enclosed is documentation supporting my request : a copy of my credit report. that all three agencies are reporting non facts about me every having a backrupty and that the information is coming from the courts. 

Requesting this information be removed from all credit reporting agency as soon as possible. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My credit report stipulates that the credit card company noted my credit card was over the limit by {$38.00}. First off, no transaction should go through if I had a limit ; that's on them! Secondary, they reported this 3 weeks before the next billing statement oppose to contacting me or cancelling the actual transaction. I've had this card for nearly 12 years, never late and they contacted the credit reporting agency prior to the due date of the next statement. I am outraged! This is not the first credit card to do this and it won't be the last because any credit card company will continue to do the same after viewing my credit report. Furthermore, I know the credit cards have increased their interest charges and this notation on my credit report will only lead to the other companies raising my interest rates, denying me any future credit cards as well as lowering my credit score. I've had XXXX lower my XXXX XXXX dollar credit limit to {$2200.00} and they imposed XXXX separate interest rate fees for the same balance on the billing statement while raising my interest from XXXX to XXXX percent. I received no notice whatsoever and while demanding that they forward the statements to me, it took 8 months to do so when I told them I would contact you. They did this in a sneaky way considering everyone has gone paperless in todays world. I have never been late with any of my credit card companies, I have a great standing on my report with all credit card companies being paid on time, never late and they had the audacity to imposed limitations on me and try to destroy my credit. Because of this nonsense I am now a target for anyone who reviews my credit report. It will become discriminatory! They have scarred my name and any time I will need to apply for any card or loan I will be the subject of a review. 
This needs to be resolved immediately because I am not the only one going through this. I've had 2 other credit card companies lower my credit limit while raising my interest rates and imposing a " over the credit limit on my report '' without having any knowledge of such. I wasn't informed! This is an obstruction of Justice and they should be reprimanded and fined. They are all following the same pattern because they are getting away with it!
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

I have contacted all three bureaus in regards to inaccuracies on my report. They've had me listed as deceased twice and mixed my file with others. I am attempting to purchase a home and continue to hear there's no score listed for me. However when I go onto the individual sites I have scores. I'm beginning to feel as if I'm being discriminated against.
Consumer complaint received 2022-11-24
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: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under XXXX XXXX ( a ) ( XXXX ). Please be advised that under XXXX XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX XXXX  : {$0.00}.
Consumer complaint received 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter on XX/XX/XXXX to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days. Ive already included this in my previous complaint # XXXXXXXX XXXX XXXX XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have opened a Venture XXXX credit card with Capital One which has an annual fee of {$390.00}. Also comes with travel cash back of {$300.00}. 

I applied for this credit card back on XX/XX/XXXX and was approved the same day. My credit card arrived sometime the next week ( keep in mind that I did not get my physical card until late next week ). This credit card offers an Annual Travel CrediXXXX of {$300.00} for travel purchase made through Capital One Travel portal. When I called them on XX/XX/XXXX to double check when was the last day I needed to use my {$300.00} travel credit, they told me it was too late and the annual fee has posted back on XX/XX/XXXX. 

According to their advertisement we get one year to make travel purchases. If I got approved on XX/XX/XXXX and I called them on XX/XX/XXXX which is not quite one year as advertised. This is false advertising and misleading the customers. 
Even the customer service lady and eventually her supervisor reviewed everything and said it was too late even though it was not quite 1 year. Not sure why it is advertised as annual travel credit when they do not give you a year 's time period. 

I am very disappointed at Capital One and its practices. They need reinstate my annual travel credit of {$300.00} for year XXXX.