davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AMERICAN HONDA FINANCE CORP (VA)

Honda through their Acura dealerships and using their website www.acuracertified.com sold me a used car and a loan on that car that was based on a bait and switch advertisement for the car. That is, the foundation of the loan was a bait of a used car at an incredible price. 

Bait and switch scheme is as follows : Honda advertised cars on their website as being available for sale as used certified cars that someone already had a property interest. These advertisements were run with specific VINs for specific cars at the lease purchase price. However, the cars were engaged in a pre-existing lease contract and were being bought at the advertised price by the current lessee. Any inquiry for the car was met with a switch offer from the dealership. The switch would be to car that was in some cases up to {$12000.00} more than the advertised car. 

Basically, Honda and their network of dealers would advertise for sale specific cars with specific VINs as being for sale. However, they were sold exclusively to one party who had a lease end purchase option. These advertisements were nothing but a bait and switch. The whole transaction was made possible using loan from Honda Financial Services. Thus, the foundation of the loan I took was a bait and switch. 

This impacted me in 2023 when i purchased a car from the website on XXXX. I made the purchase using a loan from Honda Financial Services. That is, the basis of the loan was a bait and switch advertising campaign run by American Honda Motor , Corporation, their network of Acura Dealers and also Honda Financial Services which facilitated the deals by making loans once the bait and switch was completed. 

I would like to provide evidence of the bait and switch. I have print outs of the advertisements on Hondas website as well as correspondences with about 20 Acura dealers admitting to the bait and switch. Which is attached. 

The foundation of the loan I took issues by Honda Financial Services was a bait and switch advertising scheme. 


Attached is a list of VIN numbers which were bait and switch. also attached are the advertisements from those cars. Also attached are correspondence from various dealers admitting that the cars were bait and switch.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was not able to log into my online banking, when I called them they said it was because my accounts were being closed. I did not receive any information or notification whatsoever. I had deposited my fiancs payroll check on XX/XX/XXXX. This is a company that I have received and I have deposited several times into this account over the past few years. The bank claims that the issuer of the check said the check was invalid but the issuer of the check said the funds cleared their account XX/XX/XXXX. I have been with Bank of America since XXXX. I have had the same primary checking account since then and have an additional XXXX accounts which include my business accounts. The bank has frozen all of my accounts are going to close them. This is completely erroneous and they refuse to appeal the decision. I have never had a problem with them, never written a bad check, never gone overdrawn. Meanwhile, they have over $ XXXX of my money that I can not access I can not pay my mortgage, car loans, insurance, NOTHING! Every person Ive talked to has not helped I have provided them with the contact information for the companies payroll department and nothing has been done to help me!
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NV)

My credit card was used fraudulently ( 2 ) with American Express. I reported the charges as soon as I noticed and they refused to issue me credit for the fraudulent transactions. I have not paid this debt as these are charges that are completely fraudulent. American Express has reported late payments to all ( 3 ) credit bureaus destroying my perfect credit history and lowering my XXXX score by 200+ points!
Consumer complaint received 2024-03-21
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: CITIBANK, N.A. (CA)

Initial Citibank credit card transaction on XX/XX/XXXX in the amount of {$4000.00} paid to XXXX company XXXX for a vacation deposit. 

On XX/XX/XXXX, I received an email from XXXX stating their company has cancelled my vacation. 

I contacted Citibank by phone on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX informing Citibank representative, supervisor and customer service manager that I would require a refund of the vacation deposit in the amount of {$4000.00} since goods and service ( in this case a vacation ) was not received by the merchant. The merchant cancelled my vacation without my request/permission. 

I have also written and mailed a letter to Citibank on XX/XX/XXXX and XX/XX/XXXX. Citibank states they are not able to help and suggested I contact a lawyer.
Consumer complaint received 2024-07-19
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

This is a third party company I have no contract with. 15usc 1681a2 I sis not give written permission to have those accounts furnished on my credit report and I want them removed immediately from all credit bureaus.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NV)

My credit card was used fraudulently ( XXXX ) with American Express. I reported the charges as soon as I noticed and they refused to issue me credit for the fraudulent transactions. I have not paid this debt as these are charges that are completely fraudulent. American Express has reported late payments to all ( 3 ) credit bureaus destroying my perfect credit history and lowering my XXXX score by XXXX points!
Consumer complaint received 2024-07-10
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: Experian Information Solutions Inc. (CO)

I had identity theft and have 2 fraud accounts one with XXXX and another is a business account with XXXX. I have filed police and FTC reports, the other credit agencies have removed the fraud account, but for Experian they refuse to remove the fraud or provide reason of why they refuse to remove fraud and attempt to hold me liable for fraud when evidence has been provided. They even refuse me online access Why they did not remove the fraud identity theft account, the same as XXXX and XXXX have XXXX XXXX {$1600.00} XXXX  XXXX  {$52000.00} Experian has not addressed the matter. They have fraudulent accounts on my credit report and refuse me access and refuse to remove them. While I have provided XXXX and XXXX letters showing they are to be removed XXXX XX/XX/year> a supervisor refused me access after I informed him there is fraud. He told me that he sees the fraud and will not grant access due to internal issues. Experian has hurt my credit for over a year now. 

UPDATE IT HAS BEEN OVER 30 DAYS AND EXPERIAN STILL REFUSES ME ACCESS TO MY CREDIT PROFILE AND STILL SHOWS FRAUDULENT ACCOUNT WHICH IS NOW HURTING ME FINANCIALLY
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I disputed these accounts several times now and it's been almost a year since I stated these accounts are incorrect, erroneous, and invalid.Even the Account number is inaccurate and incomplete for the XXXX account. I also requested documentary evidence from the credit reporting agencies showing me proof that I owe this debt with the account number that's been reporting and everything is completely inaccurate and what's being reported isn't my account this inacurrate account isn't mine and I proven that as clear as day also provided support documents and XXXX XXXX XXXX, Experian, XXXX, and XXXX have been subject to disregarding the Fair Credit reporting Act FCRA also fair and accurate credit transactions Act and 15 USC 1681eb- Compliant Procedures and all the credit reporting agencies I listed have been incompliance disregarding federal laws.Infact I was a victim from XXXX XXXX XXXX when they were unlawfully given out subprime autol loans with ridiculous high interest rate with high monthly payments and loan terms with an XXXX credit score with XXXX monthly payment for a XXXX vehicle and I actually called them when they had the class action suit but they lied and said I were wrong when I met all criteria of their unlawful actions but of course I was told this from XXXX XXXX attorney also there's 4 accounts with the same inaccurate numbers and also incomplete on my credit file for XXXX reported by XXXX another inaccurate reporting is the XXXX XXXX XXXX account and that's been paid of years ago and I were never late also paid early or promptly on time and paid it off completely. So Have that account corrected as never late and paid as agreed and always on time or you can delete that as well.
Consumer complaint received 2024-06-15
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account # XXXX 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 16811s-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.

15 U.S Code 6802 ( 1 ) ( A ) ( B ) ( C ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option.
Consumer complaint received 2023-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc. (VA)

I just recently became a new Permanent Resident of USA for the very first time and was granted my Permanent Resident Status as of XX/XX/XXXX. I received my SSN Card in the mail 2 weeks after I arrived in the country which was again XX/XX/XXXX. The Issue date on my SSN is dated for XX/XX/XXXX, along with my Permanent Resident card that also confirms and states " Resident Since XX/XX/XXXX which is XX/XX/XXXX. That being said to my surprise I noticed a new Collection Account on my Credit Report that was placed on XX/XX/XXXX, for {$630.00} to XXXX XXXX, with the original creditor being XXXX XXXX XXXX XXXX and indicating the Open Date of this collection account is dated for XX/XX/XXXX. That being said seeing how I was only granted my Permanent Resident on XX/XX/XXXX and arrived to this country on XX/XX/XXXX. It is impossible that I was in the country last year XXXX. That being said. I tried contacting both the Collection Account and the Original Creditor ; the hospital and to my surprise, The name on the original Collection Account has an incorrect name to be mine. Along with an address that was indicated on the account for last year XXXX, which I never lived at. After several going back and forth with both the collection account and the original creditor, I was able to get the account number associated to this collection account it being ; XXXX. That being said I tried several attempts at speaking with XXXX XXXX XXXX Physicians Billing and the Collection Account American Collections and in ALL attempts I have not been helped in having this issue resolved. I also did want to mention that this collection account is also replicated on my XXXX, XXXX and XXXX on both my XXXX and XXXX. 

Please see the attached documents I have provided one of which includes my Permanent Resident Card that I received from XXXX which clearly indicates what I mentioned previously, Resident Since XX/XX/XXXX, which is XX/XX/XXXX.
Consumer complaint received 2022-10-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I called my bank, Bank of America to file a claim of fraud Once again they denied my claim I lost {$1000.00} and this is very unfair that a bank will not give the customer money back that was stolen from them
Consumer complaint received 2018-02-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I purchased my home in XX/XX/XXXX where Nationstar became my service provider, now Mr. Cooper with the name change. There was a payment of {$4600.00} for the XX/XX/XXXX property taxes from my escrow account when in the closing costs, that was to be paid for by the seller. This caused for a shortage in my escrow when the Escrow Disclosure provided at closings have me at a surplus, especially since my taxes in XX/XX/XXXX went down to {$4100.00}. According to XXXX County records, they received the payment for the XX/XX/XXXX taxes from XXXX ( the sellers lender ) on XX/XX/XXXX. There were some transfers between the County, Nationstar, and XXXX in XX/XX/XXXX, then Nationstar paid the county {$4600.00} on XX/XX/XXXX resulting on an overpayment. There were more transfers between the 3 parties with the final transfer on XX/XX/XXXX. XXXX was eventually refunded the overpayment because it looks like Nationstar did not accept or appropriate those funds to my account when they should not have made the payment to begin. Based on closing documents and loan termsNationstar should not have paid those XX/XX/XXXX taxes. I believe that I am entitled to a refund of funds in my escrow account, and I have not received them. I placed multiple phone calls to Mr. Cooper and XXXX XXXX, a manager based in Texas, said she was going to provide that refund by contacting XXXX in a conversation I had with her on XX/XX/XXXX at approximately at XXXX XXXX ( CT ). I called on XX/XX/XXXX to for an update on that only to have the customer representative, XXXX XXXX also based in Texas, that they did not follow up with XXXX. Instead, XXXX XXXX just put in a request for more " investigative research ''. A new escrow analysis is required after correcting the escrow accounting error since my property taxes went down from {$4600.00} in XX/XX/XXXX to {$4100.00} in XX/XX/XXXX, while my mortgage payment increased by almost {$400.00}. It makes no sense that my payment increased while my taxes went down. Every time I call I get the same answer from Nationstar ( Mr. Cooper ), that I should contact XXXX for the refund. I have done that and the response from XXXX is that they can not give me information about that property because the loan was not under my name, it was under the seller 's. XXXX did say they are more than willing to talk to Nationstar ( Mr. Cooper ) about those funds and when I tell Nationstar 's ( Mr. Cooper ) representatives, they say that they can not contact PennyMac, so it's a revolving door of not getting the answers or any action on my case.
Consumer complaint received 2023-06-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ALLY FINANCIAL INC. (MD)

I the subject : XXXX XXXX sr does not owe this debt. Ally bank on XX/XX/2023 illegally and without an court order signed by a Judge or the clerk there of. Froze my CD account and is illegally holding my money from me.
Consumer complaint received 2023-04-19
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-13
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (PA)

I had a credit card with XXXX XXXX  was paying it and they shut it off because they wanted my birth certificate electric bill and my marriage license and very XXXX in my house had on and they shut off all XXXX of our cards so know they turned it to a company that comes up mcm and they call XXXX to 5 times a day talk to them a few months ago and could not resolve this
Consumer complaint received 2024-05-04
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. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.