davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (NC)

XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XX/XX/XXXX Customer Service American Honda Finance Corporation XXXX XXXX XXXX XXXX TX, XXXX Dear American Honda Finance Corporation, I hope this letter finds you well. I am writing to formally dispute certain inaccuracies and possible violations related to my account with American Honda Finance Corporation. After reviewing my records and relevant laws, I believe that there have been breaches that require immediate attention.

Firstly, I would like to address the potential inconsistencies related to my personal information, which may infringe upon my privacy rights as established by 15 U.S. Code 6801. This statute outlines the importance of protecting consumer information, requiring financial institutions to implement appropriate security measures. I have concerns that my data may not be adequately safeguarded.

In addition, I have noticed discrepancies in how my credit has been reported, which may violate 15 U.S. Code 1681 ( a ). This section mandates the obligation to report accurate information to consumer reporting agencies. Given the negative impact that inaccuracies can have on my financial standing, it is crucial that we address this matter promptly.

Furthermore, I would like to highlight potential violations under 15 U.S. Code 1605 pertaining to the need for clear and transparent disclosure of terms. Upon reviewing my agreement, I find that certain fees and terms were not clearly communicated to me, which could be seen as non-compliance with this regulation. 15 U.S. Code 1635 also states that within 20 ( twenty ) days of receipt of a notice ( Rescission ). I am not liable for any finance charges or any security interest. By law, it becomes void and all money or property ( title ) is returned to the consumer.

Moreover, I am concerned about the practices surrounding my account that may not adhere to 15 U.S. Code 6802, which emphasizes consumer privacy rights and the need for customer consent prior to sharing sensitive information. It appears that I may not have been adequately informed about how my data could be used or shared.

Lastly, I would like to bring to your attention 18 U.S. Code 1028, which addresses identity theft and related fraud. It is paramount that the information associated with my account is accurately maintained to prevent any misuse that could arise from misinformation or lack of proper identity verification.

Given these concerns, I am requesting a thorough review of my account and the associated practices of American Honda Finance Corporation. I would appreciate your prompt response addressing these issues and outlining the corrective steps you plan to take.

Thank you for your attention to this matter. I look forward to your timely response so we can resolve these discrepancies efficiently. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV INC. (MA)

Most recently filed a dispute # XXXX with Money Network, which is the checking account that held my unemployment funds. I saw an unauthorized transfer out of my account on XX/XX/year> in the amount of {$3300.00}. This transfer was fraudulent and I noted it as such to Money Network to no avail. They denied my claim and closed the dispute. This was my second dispute submitted to them since they also apparently messed up the first time around, but I was still denied. I am completely torn up by having so much money stolen from me, and it felt even worse that Money Network was unwilling to help me recover the funds. Please help me get my money back.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX*** Balanced : {$0.00}
Consumer complaint received 2024-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Dear XXXX, I am writing to formally request an investigation into potential violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, that I believe have occurred regarding my credit information.

1.Right to Privacy ( 15 U.S.C. 1681a ) : I am entitled to privacy regarding my credit information. I have reason to believe that my personal information has been mishandled or improperly disclosed by the entities listed below. This breach of privacy appears to be in violation of this provision.

2.Failure to Obtain Written Instructions ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : According to this section, a consumer reporting agency is prohibited from furnishing credit information without my written instructions. It has come to my attention that the following entities have reported information about my accounts without obtaining the necessary written authorization from me, thereby violating this provision of the FCRA : XXXX 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 XXXXXXXX I am deeply concerned about these potential violations and their impact on my financial standing and reputation. I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action to ensure compliance with the FCRA. 

Thank you for your attention to this important matter. I look forward to a prompt resolution. Should you require any additional information or clarification, please feel free to contact me using the information provided above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Consumer complaint received 2024-07-24
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: Experian Information Solutions Inc. (AZ)

My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-27
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)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX  XXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX  XXXX, nor did I provide written consent for my credit report to be accessed.
Consumer complaint received 2024-07-24
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: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXXXXXX 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 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-24
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: Experian Information Solutions Inc. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
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: Experian Information Solutions Inc. (TX)

I would like to follow in despite of my previous efforts to resolve this matter and the erroneous information remains on my report, negatively impacting my credit score and financial standing. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you re-investigate these accounts and correct the inaccuracies promptly. I expect a thorough review of my case and a written response detailing the results of your investigation. Enclosed are copies of my previous correspondence and supporting documents for your reference. Please help me correct the following accounts : 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 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} Upon examining my credit report, I noticed some fraudulent accounts. Please delete these entries from my report, as they are stopping me from getting credit. I do not recognize these accounts.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

Equifax has confirmed that this account XXXX XXXX XXXX XXXX is both inaccurate, and then incomplete, and has stated that there is nothing they can or will do to correct the problems that are apparent on this file. 

Please note the first XXXX responses, however incorrect from EQ - from, we verified your ssXXXX, name, you own the account and those responses were never the issue I do NOT believe that EQ change the designator before XXXX ( their last file print date ) as I have credits reports for each day up and through the date printed on the final report - and with NO change to the Activity Designator. 

Considering the statement date for this card - and considering that XXXX says they are sending a Closed status - I am unable to be left in the middle. 

The account/tradeline 's Activity Designator is incorrect The account Pay History is incorrect The Accounts Pay History is Incorrect As per FCRA rules, that allow for the deletion of tradelines that are in this state - PLEAS DELETE this account. 


Equifax has reviewed the complaint and its records. We show that you recently contacted Equifax on XXXX/XXXX/2016 via case XXXX regarding the item listed in the complaint. The results of the investigation were sent to you on XXXX/XXXX/2016. The activity designator field on XXXX XXXX account XXXX was subsequently updated to C. This update was undone when the credit grantor made their monthly report of this account. You were also advised that this account is reporting as closed by consumer. Please be advised that the " current status '' of an account is reflected in the status field of the trade line and not in the activity designator field. The current status of this account is XXXX.. Equifax is unable to take further action on the items that you have listed on this complaint. As previously requested, if you have additional relevant information and/or documents, please forward it to us and we will review and/or pass the information/documents to the data furnisher for review
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

There are certain accounts that have been reported inaccurately on my credit report. These inaccuracies are significantly impacting my credit score, causing it to decrease. It is crucial that immediate action is taken to address this issue. I kindly request that these inaccuracies be promptly blocked, removed, or corrected through appropriate measures. This is essential to ensure the accuracy of my credit profile and to prevent any further negative consequences on my financial standing.
Consumer complaint received 2024-10-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (MD)

I am having the same issue with Ally Auto. I have been trying to catch up for a while, but they keep denying me help for the catch up. Well, I was behind XXXX and XXXX, with XXXX XXXX due. Well Last week I sent them XXXX $ which left me owing XXXX for XXXX and XXXX bill is due XX/XX/XXXX. I am well aware I am at the very end of this loan, and I am doing what I can to pay it off as fast as I can. I only get paid every two weeks ; I don't know if Ally things I something else to get money but at the moment I don't. If I sent them XXXX $ and when I get paid again, I can't send them anything is because I have other bills, such as mortgage XXXX. I have asked for help catching up, this has been going on for a year and a half and I keep being denied and who ever responds here is never accessible to contact after I get off at XXXX. I keep getting messages that they left me notices that from what I have attached I can not see and have not been able to see. I am doing my very best to pay my vehicle off in full, I have not been sitting around just letting it accumulate I have legitimately been working on getting paid off. I am almost finished and there are pulling the same things again blocking my account so I can't see it, I have attached it below. No, I have not tried to call and talk to anyone because it's pointless when it's the same result If I am sending them money as much as I can when I can why be I being threatened and harassed at this point. Ally is very stressful they are also reporting to my credit report that I owe them a certain amount that I don't. I could honestly see if I was paying nothing at all but if I'm sending them XXXX $ and XXXX $ at a time and they wont work with me to catch up what am I to do. I just needed a little help. I didn't hit any lottery number, I don't have it. Here is the Breakdown of what's left on my Car payment, the Total Balance is XXXX, my next payment of XXXX is due XX/XX/XXXX. I paid XXXX $ on XX/XX/XXXX see attached receipt. My past due is XXXX for XX/XX/XXXX, I have XXXX in late fees because I have beeen beeen asking for help to catch up on this account but have been denied for over a year and a half. But I have been still paying as much as I can to catch up. Which if I didnt have all these late fees if I could have gotten some help I would only owe them XXXX $ after the other payments.