davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP (DE)

Honda Finance shows 1 late payment ( XXXX XXXX ). The alleged late payment incident was related to a failure of Honda to initiate automated payments on a new lease. I spoke w. a CSR upon notice of late payment and was told " don't worry about it, not a problem, and Honda will not post a negative mark on your credit report ''. It remains the only negative mark on my credit report. I sent a letter to HF and they responded with a refusal to remove the erroneous late mark.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I assert that the transactions on my consumer report were neither authorized nor initiated by me. These accounts reflect fraudulent activities that I did not consent to, and I categorically deny providing written consent or my signature to any of the entities involved. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or unauthorized information on my credit report. Pursuant to 15 U.S. Code 1681i ( a ), I demand a thorough investigation into these transactions, including a review of all documentation related to these accounts. Furthermore, per 15 U.S. Code 1681c-2, I request the immediate removal of any unverified and unauthorized accounts, inquiries, and transactions from my credit file. The presence of these fraudulent accounts has caused significant harm to my creditworthiness, and it is imperative that they be rectified immediately. I also request proof of my signature on any document purportedly authorizing these accounts. Failure to comply with these demands may result in further legal action to protect my rights under the FCRA.
Consumer complaint received 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

On XX/XX/XXXX, a Capital One QuickSilver credit card was opened in my name. I did not open this account. Whoever opened the credit card apparently knew my social security number and home address. 

When I discovered the credit card opening, I called Capital One on XX/XX/XXXX to close my account, and they redirected me to this page to file my complaint.
Consumer complaint received 2024-08-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (GA)

I had to voluntarily turn in a car I could no longer afford. The bank, Ally sold it at auction and told me I owed them the balance between what they got and what I agreed to pay for it. That's fine, and I am in a payment plan with Ally to fix that. However, the bank reported this as a charge-off on my credit reports. Contacting a human at Ally that understands my problem is impossible. If I am in a good faith payment plan, why does the bank characterize this as unrecoverable debt to the detriment of my creditworthiness?
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

This is about the Citibank that I have account with. I have 2 Citibank credit cards and today I could not log in to my account since the password and everything has been changed. I called and talked to the representative and she said that I have a checking account with this bank, which I surely do not have. I think my information has been severely compromised and somebody is trying to take over my Citibank account.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm personally submitting this complaint regarding late payments on my credit record. My review uncovered these late payment entries. Despite sending inquiries over a month ago, I've received no response or adequate validation. I'm now requesting your help to resolve this issue quickly and effectively.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

Account Number : 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 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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.C. 1681s-2 ( A ) ( 1 ) 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 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account names below has violated my rights : 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  I looked at my credit report on XX/XX/year> and XXXX XXXX and noticed some things are incomplete and not accurate. According to The Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Also according to 15 USC 1681 5 they are supposed to do
this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly
notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

In addition, according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 'm looking forward to the deletion of the following items in my file ASAP. Thank you. 
XXXX XXXX XXXX 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for account the following is completely accurate. It's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. 

It is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act and that other consumer might be affected Having this type of information on a person 's a credit report is unfortunate and severely damaging, but having incorrect damaging information on a person 's credit report is unacceptable. 

Please forward to me the name of the person you spoke with at the accounts listed and the date that you spoke with them. I also want a confirmation of the address and phone number for the company.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My repeated efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report have been futile. These entries have severely disrupted my life, causing substantial stress and anxiety. As an identity theft victim, I must emphasize that I never authorized or consented to have this information linked to my name.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and incomplete reporting of credit accounts on my credit report by XXXX. The following accounts are listed on my credit report as unpaid, despite my making timely payments from XXXX to XX/XX/XXXX : XXXX  {$1100.00} XXXX {$2000.00} XXXX {$3500.00} XXXX {$6000.00} Specific Allegations : Inaccurate reporting : The accounts listed above are reported as unpaid on my credit report, despite me making timely payments from XXXX to XX/XX/XXXX. 
Failure to update credit report : XXXX has failed to update my credit report to reflect the accurate payment history of these accounts. 
Violation of Fair Credit Reporting Act ( FCRA ) : XXXX has violated the FCRA by reporting inaccurate information on my credit report.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I was assessed a {$27.00} late fee. I did not realize I was late because a trial subscription I had cancelled with XXXX XXXX kept billing for XXXX cycles. I immediately paid my bill. I am a teacher with a low income and also a loyal XXXX year card holder of AMEX including personal and business credit cards along with savings accounts. I got XXXX during the first week of school and neglected checking my accounts for any action items needed to pay. I have never made a late payment in my XXXX year history with AMEX nor in my history with any other card issuer. I contact customer service and kindly asked for a one-time courtesy late fee reversal considering my long history with the bank. A woman on XXXX told me she could not reverse it until after the statement was closed so I called back today, the statement closed yesterday, and XXXX different XXXX representatives said nothing could be done and denied reversal. This is the opposite of what the XXXX rep told me on the phone on Wednesday and goes against the goodwill nature of my 10 year relationship with AMEX. All I am asking for is a XXXX time courtesy late fee removal and it will never happen again on my end. I will also enable autopay on all my accounts as a preventative measure. Thank you in advance for your consideration.
Consumer complaint received 2024-08-23
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (CA)

Applied with XXXX XXXX XXXXXXXX program to catch up money owed from a forebarance that amounted to XXXX  months of monthly payments. XXXX gave my server Freedom Mortgage XXXX months of payments ( {$1500.00}. x XXXX = {$12000.00}. ) However XXXX only paid for XXXX months and has considered me XXXX months behind for the past XXXX months and has applied late fees without my knowledge for the entire XXXX months. I have paid my monthly mortgage statement on time and I have never been late making my monthly payments. These late fees are unjust and incorrect and XXXX has reported late payments for this entire time ruining my credit. Also, I have been lied to and deceived by XXXX to an unlawful degree. The first XXXX months of 2024 I received monthly statements that all had a different amounts owed. I receive threats of foreclosure every month when I have paid my statement every month and are all dated the day after I pay my bill.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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. 

XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Bank
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to request a correction of the following information that appears on my XXXX, XXXX, TransUnion consumer report : Dispute XXXX o Account Number : XXXX o Amount : {$20000.00} o The report shows I currently owe money to XXXX that I have already paid. XXXX was paid in full, please close account as paid in full. 

Dispute 2 o Account Number : UNKNOWN o Amount {$100.00} o XXXX XXXX XXXX appeared on my credit report without any notice. It is my consumers right and credit law that I be notified of any debts before appearing on my credit report. I am also not aware of the debt. 
Please delete this from my report. 

Dispute XXXX o Account Number : XXXX o Amount : {$830.00} o The report shows I currently owe money to XXXX that I have already repaid. XXXX or XXXX agreed to delete this account from my credit report as they were paid. 
o Please Delete. 

Dispute XXXX : Account : XXXX XXXX XXXXXXXX XXXX  XXXX is still reporting Portfolio Recovery which was paid 2 years ago. 
Amount : {$830.00} Please delete. 

Dispute XXXX : Please remove the following addresses, they do not belong to me : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX PA XXXX I have attached a copy of my receipts and correspondence with the accounts mentioned. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MI)

XXXX is stating that I owe them for a debt. I requested for them to send me validation and a signed contract with my signature showing we had a contract as well as the agreement between XXXX and l. I also asked for a break down of the debt they say I owe them. Also I requested that they show me proof that they are able to collect a debt in the state of XXXX as well as other specific things l 've asked them to prove. They are stating that I owe them for XXXX XXXXXXXX XXXX XXXX in the amount of {$160.00}. I also reached out to XXXX to confirm and they have no records. I have a lawyer on hand to file suit if this account is not canceled. Also their information has not been reviewed by a lawyer.