davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP (GA)

On XX/XX/XXXX I made a lump sum payment to Honda Financial services that was more than $ 10,000.Before making this payment the agreement was that it would be reflected on my credit report. They refuse to report it. 
In XXXX I filed bankruptcy and included the XXXX XXXX XXXX, and signed a reaffirmation agreement. ( I continued making payments ) Before adding the honda to the bankruptcy I asked if this would reflect on my credit as IN GOOD STANDING? The response was " Once the car is paid off it will reflect on your credit report as paid off ". They did not tell me that they were going to take the loan off of my credit report completely. Once I realized that it was not showing at all I called them and asked what happened. They explained that the loan would reflect on my report once I paid it in full. Over the course of the next 4 years I was late 2 or 3 times and moved one payment to the end of the agreement. Every payment after that was mostly early and on time. The car was paid off ahead of schedule. The amount that they were given at once was a very large amount of money, and now they refuse to comply with the agreement. 
Also the car had several repairs done in XXXX while sitll under warranty. Two months after the same repair was done 3 times the warranty had expired and the same issue occured, they refused to replace the brand new parts that they had replaced 3 times. Documents to support my issue are available.Also the radio has blacked out and this was an ongoing issue shortly after I purchased the car brand new.
Consumer complaint received 2024-01-24
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. (PA)

I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). 

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 16811 ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

They must be blind because everything is inconsistent.
Consumer complaint received 2023-09-01
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA, I am asking you to investigate the information for accuracy, compliance, and validity. If you can not provide proof that the information is accurate, compliant or valid, I demand that you remove it from the report. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making. 
Attached is a summary of the data in which I am challenging.
Consumer complaint received 2024-01-24
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: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-24
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: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-03
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. (GA)

I am writing to dispute the inaccurate accounts appearing on my credit report. 

Upgrade acct XXXX XXXX XXXX acct XXXX This letter is a formal dispute and request for investigation under the Fair credit Reporting Act ( FCRA ) 15 ssc 1681 et seq. 
THE FCRA mandates that credit reporting agencies maintain accurate information in consumer reports. The following provisions support my dispute. 

1. 15 USC 1681e Accuracy of Information. This requires credit reporting agencies to ensure maximum accuracy in consumer reports. 
2. 15 USC 1681i Duty to investigate. This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request an accurate and complete investigation.

3. 15 USC sec 605b It is illegal to report information on my credit report without my permission. 

Please remove these inaccurate items from my credit report and provide me with a free copy of my updated credit report. Failure to address this dispute may result in legal action as permitted by the FCRA. Thank You for your prompt attention to this matter.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I urgently request that you promptly eradicate the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to address this error without delay.
Consumer complaint received 2024-04-11
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. (GA)

I am writing to dispute illegitimate auto credit accounts that were opened in my name with XXXX without my consent or authorization. I am a victim of identity theft and did not open or approve these accounts myself. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ), I have the legal right to dispute any inaccurate, incomplete, or unverifiable information resulting from identity theft on my credit reports. 

Specifically, the FCRA ( 15 U.S.C. 1681c-2 ) requires credit reporting agencies to block the reporting of any information that the consumer identifies as resulting from an alleged identity theft, within four business days of receiving proper documentation. Additionally, the FCBA ( 15 U.S.C. 1666 ) states that upon written notification of potential identity theft, creditors must cease collection activities and conduct a reasonable investigation within 30 days. 

I am formally requesting that the CFPB take the following immediate actions : 1 ) Pursuant to the FCRA, investigate this matter and ensure the prompt removal and blocking of any AutoCredit accounts, collections, late payments, or other negative information from my credit reports with all three major credit bureaus ( Experian, XXXX, XXXX ) within four business days. 

2 ) Under the FCBA, require XXXX to absolve me of any obligation for payments, fees, charges or debts related to the fraudulent accounts. 

3 ) Ensure correction of any inaccurate information arising from identity theft across all credit reporting agencies as mandated by the FCRA. 

I have enclosed copies of the identity theft affidavit and report I filed with the Federal Trade Commission and my local police department, verifying that I am a true victim. As an innocent party, I should not be penalized for fraudulent accounts opened illegally and through no fault of my own. 

Please promptly investigate this identity theft crime and take the requested actions immediately per the FCRA and FCBA laws. I look forward to your resolution of this serious matter within the mandated 30 day period. Let me know if any other information is required.
Consumer complaint received 2024-01-24
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: EQUIFAX, INC. (TX)

I trust this letter finds you amidst a sense of urgency and accountability for the glaring violations of the Fair Credit Reporting Act ( FCRA ) that persist in my consumer report. Despite my previous disputes sent to XXXX, Equifax, and XXXX, detailing inaccuracies and blatant violations, it has been over 30 days, and your agencies have failed to respond. 

Enclosed are copies of all previous dispute letters for your perusal, reiterating the discrepancies and violations that have tarnished my credit report. Under the FCRA, it is imperative that every detail reported is 100 % accurate. Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) underscore the obligation of consumer reporting agencies to ensure precision, a duty that remains unfulfilled in this case. 

I demand an immediate and thorough investigation into these matters. Failure to address and rectify these violations within a reasonable timeframe will leave me with no option but to pursue legal remedies available to me under the FCRA. 

I expect your swift attention to this matter and a resolution that upholds the integrity of the credit reporting system.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

On or about XX/XX/22 I noticed a collection on my credit report from XXXX XXXX XXXX regarding a XXXX XXXX XXXX. I paid immediately based on the statement by the collector that the item would then be deleted from my credit report. I called back recently looking for an update and was told that they would only be updating this to paid and the collection wording would remain on my report. 

This was NOT what I was told. All calls into collection agencies are recorded. Pull and review the recording. 

If I am not given the arrangement that I was told, I intend to pursue this with an attorney for damages. 

I have attached a copy of this tradeline from my credit report below.
Consumer complaint received 2023-07-13
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. (TX)

Experience, XXXX XXXX, XXXX all have many names and different addresses and they are not me nor are mines and some how my information was involved in a data breach and this has caused my very personal and important information is out everywhere and lately I have been getting lots of emails saying that I owe companies and also everyday Im getting calls even when Im at work or at home and this is stressful when these people have handed out my information!!!!! 
I had to get a lock for my social security number and yet people are still harassing me daily and its all experian, XXXX XXXX, and XXXX fault!!! I only have a first and last name only My address is a private mailbox. So how could these people have information when I didnt give them permission to them!!! My first name XXXX and I dont have a middle name and my last name XXXX! So who is those other names and addresses??? I have a private mailbox!!!
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN EXPRESS COMPANY (TN)

I am using XXXX XXXX credit card since 2 month but I could not see my credit card in the credit history scores. This card is not visible and it is not help my credit score..
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (IL)

XXXX XXXX  Transactions. 
{$920.00} XX/XX/2023 {$510.00} XX/XX/2023 {$510.00} XX/XX/2023 I use my XXXX XXXX account for my company, so I have plenty of XXXX XXXX  transactions throughout my history. On XX/XX/2023 I noticed these transactions had posted to my account but I hadnt been using my app. I went to log on and my password had been changed and I had no way of getting in my account. I had to call/emaiXXXX XXXX  and explain my situation. They were able to close that XXXX  account to ensure there were no more withdrawals made. As far as refunds XXXX  XXXX  was little help and stated I should contact my financial institution ( Huntington Banks ). So I contacted my bank and a dispute was filed. While filling my dispute I was asked minimal questions pertaining to my actual dispute and was rushed off the phone so they could transfer me to another employee who tried to sell me car insurance. I didnt feel right about it but figured they would handle the situation. After they denied the dispute, the evidence to support was sent to me and was just a list of 5 previous XXXX XXXX transactions I had made weeks prior. Again I use for business so theres ALOT. 
There was no mention of why they choose not to investigate further. I called, tried to gather information from them to appeal, and had an even worse experience on the phone. I was told sure you can try and appeal but its not gon na help you anyways. So I waited 10  more business days for them to deny again and not investigate further.
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thunderbird Collection Specialists, Inc. (AZ)

This company calls me every day multiple times from different phone numbers for months, maybe a year. They leave a voicemail every time. I called them to see what they wanted. They are from Thunderbird Collection Specialist and they want to know if I know an XXXX and I told them I do not and to stop contacting me.
Consumer complaint received 2023-02-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MD)

On XX/XX/2023, I received letter stating that Mr. Cooper filed a motion to foreclosure. I called the mortgage company, and they stated that I was current on all of my payments ; however, the mortgage company file the notice of foreclosure. They have not told me anything about how much I owe nor are they giving me a chance to save my home. In addition, I'm currently in bankruptcy and they are not talking to my attorney. Mr. Cooper is my mortgage company, and they are awful.
Consumer complaint received 2024-04-11
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. (MD)

I was robbed at XXXXXXXX XXXX  in XXXX of 2023. Three men took my car and wallet and had access to my personal information. Months later, I noticed funds was transferred from my XXXX XXXX account to my XXXX XXXX XXXX XXXX XXXX Account, then, some of the money was transferred to a bank account in another state. 

When I noticed, I went to the bank to take out all of my remaining money. I alerted XXXX but I didn't recieve proper response, until I recieved an email asking to send copies from the Federal Trade Commission and a police report. I was then told the report was not good enough and my information was shared with Experian. I have emails sent to the FBI but nobody has helped and this has caused a hardship for me.
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I am going through litigation in a XXXX XXXXl divorce, account was closed not by me. I believe this could have been done to sabotage my ability to move out of marital home, I have given Capital One every single price of information they requested to no avail.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DEAR CAPITAL ONE XXXX # XXXX I have been with CAPITAL ONE for a long time, Since 2015 and I have always appreciated the good value and service I have received from your company. Recently I checked my credit report and noticed delinquent payment history. I was devastated to see a late payment show up. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. I would love to remain an active consumer of CAPITAL ONE and would like for us to work together to update my payment history that is hindering me from getting approved for credit. Will you kindly send me confirmation that this erroneous late payment has been corrected, updated to paid as agreed/ never late and deleted from my credit report and sent to the consumer reporting agencies to update. I appreciate your companys decision and consumer satisfaction to do the right thing. Thank you. 

XX/XX/XXXX If you believe it's correct, I demand : The date whomever validated it was correct. 

The method used to validate this Billing error. 

The name of the person who received the permission to Validate this error. 

The documents used to determine this error. 

I would appreciate it if this matter were handled in a timely manner.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Account information is fraud. I reported to company account was open in my name while under XXXX  after having XXXX  XXXX/1692d, provides that a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. More specifically, 1692d prohibits [ c ] ausing a telephone to ring or engaging any person in telephone conversation repeatedly.
Consumer complaint received 2024-04-11
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. (NY)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  # XXXX ( charge off ) -- {$12000.00} XXXX XXXX XXXX XXXX  # XXXX ( late payment ) XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XXXX  XXXX XX/XX/2023 TU 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-24
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: EQUIFAX, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.