davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-09
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: AMERICAN HONDA FINANCE CORP (NJ)

On Monday, XX/XX/XXXX I visited two XXXX Dealerships ( Owned by Honda ) to lease a XXXX XXXX XXXX. First dealership is located off XXXX XXXX in XXXX, NJ and the second dealership was located in XXXX, NJ. I specifically inform the sales person that I already made my mind in selecting that specific model and the down payment would be {$3000.00}. Before running I reminded them i had a repossession back in XX/XX/XXXX with Honda which i completely paid off the deficiency after the auction sale of the car so this incident was basically settled and explained it was due to my poor budgeting and young at the time. The sales person advised me it shouldn't matter. 

We continue to proceed with the transaction and once we negotiated the price they then told me they were going to run my credit report. Soon after, another guys shows up to inform me that Honda will NOT lease any car unless I have a co-applicant and told me it can not be an SUV. Not only was a hard inquiry placed on my credit report but my my frustration is, they KNEW I had a repossession because it was the first thing I disclose to them and second the repossession happen over 15years ago!!! The finance guy told me Honda will " Never '' allow me to lease with them because of the repo. My frustration was if this in fact was true and I did disclose this to them, why even bother running my credit when I told them from the very beginning I wanted to lease. It seems to me the did not care and regardless of a credit inquiry placed, they failed to disclose this information. I even asked to put a higher down payment and they told me no. Why put me through this aggravation if they knew they NEVER lease with this history. Secondly, I thought after 7 years they can not use any adverse reporting against you, which evidently they sure did. Please help.
Consumer complaint received 2018-10-09
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO. (OK)

On XX/XX/2017 I was in XXXX XXXX XXXX in XXXX XXXX to get a new car. I was going to do a finance option and said they could run my credit. I told them to run my credit, but later I found out they had run it for 5 different times in the span of the 15 minutes? I believe once would have been suffice. These 5 hard inquires have brought down my credit score They are still there 1.5 years later. I would appreciate them being removed. Thank you.
Consumer complaint received 2024-03-05
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. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX 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 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

It has come to my attention that although I have written several letters asking for validation of debt, permissible purpose letter, audit trails for validation of debt and inquiries I have not received any response because of the automated system you have in place which is in fact a violation as well. 

I am afraid these 3 credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality and a respect for the consumers privacy, I did not give consent to these accounts. 

I have remained humbled despite the stress, abuses, nd harm these 3 credit reporting agencies have done to me.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WAKEFIELD & ASSOCIATES, INC. (WA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX {$45.00} XX/XX/XXXX XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX {$730.00} XX/XX/XXXX - XX/XX/XXXX Wakefield & Associates {$2800.00} XX/XX/XXXX XXXX XXXX {$2200.00} These dates and any other improper use of reports sent out against me was and is direct violation of my right which is illegal.
Consumer complaint received 2022-09-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX is falsely representing my account as a charge off and previously pass due though the account was in a hold period and all debts on the account were paid in full in XXXX.
Consumer complaint received 2022-09-07
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. (MN)

XXXX XXXX XXXX has filed a collection account with multiple collection agencies. Each time they have placed the alleged account with a collection agency, I have disputed it. In 3 separate cases, the disputes were removed because they can not document the claim. The most recent filing is with XXXX XXXX XXXX account # XXXX per my personal credit report. They claim the account was opened XX/XX/XXXX. This is not accurate and they have not provided any documentation of proof. The address for this agency is XXXX XXXX XXXX XXXX XXXX, Mn XXXX. Phone is XXXX. 

The alleged creditor XXXX XXXX XXXX has now submitted this for collection three other times to three other agencies. The three prior claims have all been removed. This is a deliberate effort by XXXX XXXX XXXX to ruin my credit by continuing to place the same account to multiple collection agencies. This is not a legal practice permitted under the Fair Debt and Collections Practices Act. This is intentional and prohibited. 

XXXX XXXX XXXX had breached their agreement to provide services to my home. They were advised of such. Currently Experian and XXXX XXXX are reporting this item for {$570.00}. of which I do not owe. They placed this account in XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX. The first two were removed from my report after dispute. 

I am seeking damages as this practice has dropped my credit score by XXXX XXXX  and has cost me in rates for other credit I have applied for. It is also causing me issues with my current job as a XXXX XXXX
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I write to attach screenshots of my online acct at XXXX XXXX XXXX XXXX XXXX which states ACCOUNT CLOSED, Your Account is closed and Available credit {$0.00} which clearly documents that I have closed my account and my account obviously has been blocked from future purchase transactions. XXXX was required to report my account as Closed By Consumer simultaneously and promptly to all credit reporting agencies during my phone call to voluntarily close my account and block my account from future purchase transaction pursuant to the FCRA and XXXX XXXX protocols. Obviously, my screenshots clearly document that my account was closed and noted in the database of XXXX. However, my CLOSED account still remains reported to every CRA as OPEN and I have doubts whether it knows how to enter mid cycle mandatory reporting if Closed accounts or worse it may not report my account as closed in willful violation of the FCRA and XXXX XXXX protocols entitling be to {$1000.00} in Statutory damages against the Furnisher and every CRA who fails to report my account as Closed. No excuses will be tolerated for routine mandatory processing of my as closed. Please investigate and permanently report my account as closed and further mark my account as disputed.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a147.2K open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me getting it back up going. I'm not sure if this is some mistake as I assume it has to be. I have not been able to get from them for months but I just remembered I could file a report on here as I feel they're not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX and I still have funds there it's XXXX XXXX and they decided to closed my account dated XX/XX/2020.
Consumer complaint received 2022-09-07
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: Experian Information Solutions Inc. (IA)

Earlier this year I made the decision to take a look in my report. later in XX/XX/2022 I asked Experian to send me a copy of the investigation by mail, and a copy of the verification method Experian have used, in a way that is easy for me to understand. Because to my knowledge those alleged account should not be on my consumer report. Experian never honor my request. But instead Experian gave me the whole run-around and I never got any resolution. Ultimately failing to comply under the FCRA regulation. In general, the law state that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or deleted within 30 days. However, a consumer reporting agency may continue to report information it has verified accurate. Well since Experian claimed that the information as accurate. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand under my rights that an investigation letter be mailed to me from Experian. Or simply comply with the FCRA regulation by deleting unverifiable information.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (DE)

I assert that I am the owner of all data in this complaint, and then the owner of all information contained in this complaiant. 

There is no Credit Repair company, or entity involved in this complaint. Attempting to avoid responding to this issue outside of this government instrument, deviates from my rights to this process. 

Equifax is allowing Debt Collection companies, to insert themselves into Consumer Reports as if they are the Original Creditor. 

These tradelines are routinely inserted into reports as " Other '' accounts/tradelines, when they know that this can never be true. 

I have such a insertion, and so do hundreds of thousands of consumers with XXXX funding collection accounts. This issue has been brought to the attention of XXXX and Equifax - and been dismissed. 

A screen shot of the account is attached. 

1. According to the XXXX XXXX File specs for use ONLY by debt collectors - Debt collectors self identify themselves in their files to EQ - and XXXX XXXX did not. 
2. XXXX XXXX has an " OPEN '' type of tradeline, when they can not 3. The Date Opened is NOT ACCURATE, as NO TRADELINE was ever opened with them 4. As a DEBT COLLECTOR an ORIGINAL CREDITOR is required, and DOES NOT EXISTS 5. The DATE OF FIRST DELINQUENCY, then is also NOT correct because no CREDIT GRANTOR account was ever established with thm, nor - is there any contract 6. The CREDITOR CLASSIFICATION, is not valid or even possible because XXXX can not be a credit grantor 7. The DATE OF FIRST DELINQUENCY - can not be true, because the accounts ' DATE Opened is XXXX/XXXX/2012 8. The ACCOUNTS PAY STATUS, is invalid - the value displayed is for CREDIT GRANTORS ONLY 9. The ACCOUNT BALANCE, AMOUNT PAST DUE and LAST ACTIVITY DATE are all invalid 10.The ACTIVITY DESIGNATOR - is innacurate, according to METRO XXXX 11. The Months reviewed, is NOT a field allowed to be used by a DEBT COLLECTOR on any file sent to a CRA 12. A COLLECTION ACCOUNT, is also not allowed to have a pay history This account is wholly inaccurate, invalid and borders on fraud. 

Additionally, I believe this account is invalid because any original creditor that I had a balance with years ago, was included in my bankruptcy. 

Please validate this tradeline, its owners details - for your systems accuracy - and then DELETE this erroneous, incomplete and inaccurate account.
Consumer complaint received 2023-06-16
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. (NY)

This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX To WhomIt May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : Creditor Name : XXXX Inquiry from XX/XX/XXXX XXXX Card -XX/XX/XXXX XXXX  Card -XX/XX/XXXX XXXX XXXX   XX/XX/2019 I would like to be provided proof I consented to these inquires via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. 

Account Name : XXXX, Account Number # XXXX, Account Name : XXXX, Account Number # XXXX Has violated my rights.

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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from capital one on XX/XX/XXXX XX/XX/XXXX and XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard  inquiries on my credit report which is affecting my credit score
Consumer complaint received 2022-11-16
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$240.00} ; XXXX  XXXX Balance : {$29000.00}
Consumer complaint received 2022-09-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2020-02-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (PA)

I've written several letters to EOS CCA LLC and requested documentation and asking why they are reporting on my credit. they have sent me nothing in the mail but continue to harass me at work and on my cell phone! Please help me!
Consumer complaint received 2022-10-22
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: Experian Information Solutions Inc. (NC)

This is not a duplicate. 

XXXX XXXX XXXX has not answers to this complaint properly. XXXX I filed this complaint 30 days ago and it has not been responded to by the collection agency to any credit bureaus, or the CFPB, or me. It has been over 30 days and this awful violation that occurred via a letter The XXXX XXXX XXXX sent me referencing bogus laws, and coercing me into not disputing and accused me of furious disputing which is illegal and Im breaking the law! I demand the CFPB address this complaint for it has been over 30 days and the furnisher of the letter keeps manipulating the system and the complaint is being concealed. I demand this be addressed today! This was the first complaint with the damming letter sent to me attached! ( XXXX ) over 30 days ago!