davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

15 USC 6508 I have the right to opt out and that they have reported information and transactional history to early warning and check systems Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802. Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government. 17cfr 424 all inquiries must be removed. Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. Im now opting out any and all authroizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (TN)

I am writing to file a formal complaint against American Honda Finance Corporation ( AHFC ) concerning inaccuracies and false information they have reported on my credit reports. The account in question pertains to my and my wife 's ( XXXX XXXX XXXX lease for a XXXX XXXX XXXX, with XXXX XXXX XXXX. 

Background : Incident and Settlement : The vehicle associated with the lease was declared a total loss on XX/XX/XXXX. Subsequently, my insurance company, XXXX XXXX, issued a settlement check to American Honda Finance Corporation as per the agreed amount of {$31000.00}, decided by AHFC and which was processed on XX/XX/XXXX, as confirmed in the document titled " Guarantee of Title '' sent by AHFC to XXXX XXXX. 

Dispute Filed : I submitted a credit dispute to the credit bureaus asserting that the information provided by AHFC was incorrect.

Falsification of Credit Information : Despite resolving the matter with the insurance settlement, AHFC has reported incorrect information on my credit report, which includes falsified charges and derogatory marks. Notably, my credit report dated XX/XX/XXXX shows a significant outstanding balance of {$61000.00} and multiple late payment entries, which are inconsistent with my payment history and the settlement agreement. Additionally, they have falsely changed the lease term from the original 36 months to 42 months. 

Inaccuracies and Discrepancies : Incorrect Balance Reporting : My credit report dated XX/XX/XXXX from XXXX, XXXX, and XXXX shows an outstanding balance of {$61000.00}, despite the insurance settlement covering the agreed amount and my consistent payment history. Furthermore, the total amount paid exceeds the listed balance, which should have resulted in a XXXX balance or a credit.

Derogatory Marks : AHFC reported multiple derogatory entries, including charges of bad debt/collection and charge-offs, which are baseless. These entries do not reflect the true status of my account and are causing undue harm to my credit score.

False Lease Term Change : The original lease term was 36 months, as documented in my lease agreement. However, AHFC has falsely reported the lease term as 42 months in the credit reports, which is incorrect and misleading. 

GAP Clause : Furthermore, even if there was an outstanding balance, the GAP Waiver clause in my lease agreement dictates I should not be held liable for any remaining balance beyond the settlement amount. 

Previous Reports : My previous credit reports dated XX/XX/XXXX and XX/XX/XXXX indicated no such derogatory marks or substantial outstanding balance, showcasing a stark inconsistency and potential falsification by AHFC.
Consumer complaint received 2023-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bay Area Receivables, Inc (DE)

I had and still suffer from XXXX and XXXX XXXX of XXXX  which led the the hospital. Now 2 years XXXX I have a bunch of debt from these Medical bills 11 to be exact one in the amount of almost XXXX and another in the amount of almost XXXX. I have insurance and being XXXX XXXX XXXX at the time from my own doing and the hospitals I have no recollection of me singing anything, any procedures, doctors, absolutely none of that. Ive contacted the collection agency asking for the info to validate my debt and they refuse I know I must have rights when it comes to this I need a break down of these bills or them to be expunged Im trying to piece my life back together and its nearly impossible with these over my head
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-07-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aqua Finance, Inc. (PA)

aqua finance company refused to delete the item off my credit report claiming the account is mine this company refused to send me the original contract that I signed in my name I also filed a police report on this matter I didn't take out a home improvement loan I rent out my house around the time they said I took out a home improvement loan I want this resolve or I will be taking this to court because they don't have any proof no that I sign no agreement papers. Yes, they have my email and verified my social security number address that's because my personal information was stolen.
Consumer complaint received 2023-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (MT)

I have a bank account with Credit Karma Spend through XXXX. On XX/XX/2023 my bank started processing all my transactions as double. So every transaction that Ive had from XX/XX/XXXX on, then came back out of my account again on the ninth. When I called into let them know about this, they told me to do the dispute process. I did let them know that the companies that they show have two payments from me do not have those payments so that the dispute process may not be the best option. They did send me the form for the dispute process. I asked them what they would do in the meantime as they took nearly {$700.00} from my account. no one offered to help with the missing money. I asked them how long it would take to get the money back as its a large sum of money, and I have to pay for food and my other bills. I also let them know that I have two payments coming out for other accounts. those declines will cause fees from those companies, and they never offered to waive those fees for me or credit my account for those fees that will be charged. I was told they do not know how long this process can take but its 120 days but until then I have no funds. Ive even asked them multiple times if they could look into why my account is doing this. Because literally every transaction is double charging me at this point. Even my declines are double charging me.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Theres a address on my credit report I never live at this address before.am Im really curious and feel really insecure about my credit report because they have been making a lot of mistakes so am not sure what is right or wrong on my credit report
Consumer complaint received 2023-12-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC (DE)

after my father passed away, I inherited his home with the VA loan. I put the home up for sale in XXXX of 2023 and we got an interested buyer who wanted to buy the home and assume the balance of the mortgage. The potential buyer, my real estate agent at the time as well as myself were all told that the loan wasn't assumable. We lost the sale because we assumed that what rocket mortgage was telling us was correct. I took several more months to sell the home and I took a XXXX loss because of what we were told. I just found out a month ago that what I was told by Rocket Mortgage was completely false, my loan was assumable as well as every VA loan is. As the company who services the loan Rocket Mortgage knew this but lied about the truth because they don't make money on loan assumptions. I reached out to Rocket Mortgage to inform them of the issue and that I confirmed the information through the VA. Rocket Mortgage reviewed all the recorded phone calls and indeed they did tell me falsely that my loan was not assumable. knowing this information Rocket Mortgage refuses to compensate me for my loss and they even threatened me with legal action if I proceeded to court about this matter. I have filed a complaint with the VA on XX/XX/2023 and they are investigating this matter for the possible impacts on other Veterans and their families. Rocket Mortgage is in possession of audio files of the phone calls with me and their employees falsely telling me my loan wasn't assumable. The contact person I was dealing with at Rocket Mortgage was XXXX XXXX and her telephone number is ( XXXX ) XXXX... XXXXI hope you can assist with investigating this matter further because if they so wrongly told me my loan wasn't assumable how many other Veterans and their families are potentially affected by their negligence which has caused me financial hardship needlessly. The fact they are in possession of audio telling me this and still choose not to fix the problem is absolutely shocking and should be punished in every possible way. If you have any questions please feel free to contact me. Thank you
Consumer complaint received 2023-12-17
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. (TX)

my information was sold and bought illegally because i was a victim of the XXXX data breach. i want these items deleted from my credit reports effective immediately. i am attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. please help me delete these illegal accounts from my XXXX credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-11-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (DE)

XXXX XXXX XXXX XXXX XXXX is trying to collect on bills ice already paid. They opened a case against me when I have not seen them in over 2 years. Their case was opened on XX/XX/XXXX and my last appointment with them after I paid for my appointments was in XXXX, before I fell off my dads insurance because I'm over 25. I never received any mailing notifications for this debt, they just opened a case against me!
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (GA)

Date : XX/XX/2023 Re : Inaccurate Collection Account - Immediate Removal and Compensation Demanded I am writing to express my outrage and demand immediate action regarding an inaccurate collection account falsely listed on my credit report. These accounts, originating from XXXX XXXX XXXX, Midland Funding LLC and XXXX XXXX XXXX are unauthorized and violate the Fair Credit Reporting Act ( FCRA ) and other applicable laws, including the fundamental principle of privity of contract. 

Specifically, these account violate : Privity of Contract : I have never entered into any contract or agreement with XXXX XXXX XXXX, Midland Funding or XXXX XXXX XXXX and therefore they have no legal basis to claim any debt from me. This fundamental principle of contract law makes the inclusion of this account on my credit report entirely illegitimate. 

FCRA Section 615 ( a ) ( 1 ) : XXXX XXXX 's, Midland Funding LLC 's and XXXX XXXX XXXX XXXX obligation not to furnish inaccurate information to credit reporting agencies. 
FCRA Section 621 : XXXX XXXX XXXX, Midland Funding 's and XXXX XXXX XXXX potential liability for failing to comply with the FCRA, including actual damages and a penalty of $ 100- {$1000.00}.

Fair Debt Collection Practices Act ( FDCPA ) and Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) : Prohibitions against selling or purchasing illegitimate debts.

Federal laws : 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) regarding deception and fraud. 

I have never had any dealings with XXXX XXXX XXXX, Midland Funding or XXXX XXXX and have not granted them permission to access my name, likeness, or credit data. Their inclusion of this account on my credit report constitutes a reckless disregard for my rights, a clear violation of the law, and a fundamental breach of the principle of privity of contract. 

I demand the immediate : Investigation of this matter by the CFPB. 
Removal of the inaccurate collection account from my credit report by XXXX XXXX XXXX, Midland Funding and XXXX XXXX XXXX. 
Compensation for my time and effort spent disputing this illegal account. 
Failure to comply with these demands will force me to pursue all legal avenues available to protect my rights and seek full compensation for the damages I have suffered. 

Thank you for your prompt and serious attention to this critical matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-01
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: HCFS Healthcare Financial Services of TeamHealth (IL)

I sent a letter on XX/XX/2022 to XXXX. Here is my tracking number ... ... ..... 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (MO)

This company Navy Federal continues to report inaccurate information to the credit bureau along with XXXX continues to lie an manipulate several closed accounts to like it's a new charge off. This company also have never sent me a 1099 file since they said they written the debt off that ain't been updates since 2018. They said that they have verified this account over an over again which is a FCRA violation. I have proof in the description down below to prove how XXXX continues to disregard and manipulate my credit report with inaccurate ans false information. 
There are XXXX accounts that I'm speaking of with the same problems and this has been going on for 7 years
Consumer complaint received 2023-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was transferring money from my XXXX XXXX checking account to Bank of America to be ready for a big withdraw, which I was not sure the amount, so I was sending it over XXXX weeks to build up a balance. 

I got a text about XXXX of the transfers and confirmed via text. I thought this text was about the transfers I was making into the account so I confirmed. 

Come a couple of weeks later I have the withdraw coming in and I go to check my account and there is no money and the withdraw fails. 

I locked my card and called BoA and they put in a transaction dispute for a merchant that as soon as I put money in would empty the account ( that's what it looked to me ) Bank of America refused to provide provisional credit and said the investigation is due to close on the 10th day, which is conveniently when by law they have to provide me the credit for the dispute. 

I have two other dispute pending with them for around {$300.00} they did give me credit, and that was due to their own incompetence for giving my credit info to a blocked merchant TWO TIMES after I had issues with said merchant and they " blocked '' the merchant. 

So to me it looks like they will not give me credit for the dispute and are looking to close the case against me, possibly because of the two other disputes I already have, which was THEIR FAULT for giving a blocked merchant my new card info. 

My account over drafted and i have about {$1500.00} missing and bank of America does not care. 
Going by the last two dispute they may as well give my new card info to the merchant that my compromised card was used to take over {$1500.00} usd
Consumer complaint received 2023-12-10
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: ENCORE CAPITAL GROUP INC. (PA)

I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking # XXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress. I feel helpless because the credit bureaus ae not doing their job. 

According to 15 USC 168, XXXX, XXXX, and XXXX have XXXX days to investigate and send me results. 

I have all the evidence attached below
Consumer complaint received 2024-07-10
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (CA)

I've purchased a {$500.00} Vanilla Visa gift card at a local store on XX/XX/2024. I've made a few purchases without issue until XX/XX/XXXX when i went to make a purchase it says the card was declined. A thief had somehow access to my card information even though the card was in my possession at home the entire time. They stole my remaining balance of {$210.00} by making a purchase at a XXXX on XX/XX/2024. I've immediately contacted the Vanilla gift card company to dispute this transaction and after making multiple calls to follow up on the status, they eventually told me that they can not reimburse me for the stolen money. This is very unfair as they lack the security of their gift cards leaving consumers vulnerable to thieves and then taking no action to reimburse the victims for their hard earned money. I've contacted them again on XX/XX/2024 to have them tell me they can not do anything to reimburse this stolen money.
Consumer complaint received 2023-11-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC (WA)

i have been trying for over 2 years to get the co borrower who is my x girlfriend off my loan nd i have been getting no where with that for over XXXX years now i am out of work due to a serious health condition and i applied for a loan modification to lower my monthly payment and they are doing nothing to help me and are raising my payment by around XXXX XXXX i need the payment lowered not raised and they are threatening to forclosure because i am behind on payments a few months due to health condition