davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (IL)

XX/XX/XXXX The errors on my XXXX credit report have NOT been corrected. Since American Honda Financial and XXXX XXXX XXXX are so incompetent that they can not seem to read and understand and fix their errors I took the time to copy, paste, highlight and spell them out for them so that they both and XXXX  too can fix them and so that the CFPB can also do their job they are paid to do by the citizens of this country, including myself, and enforce the FCRA. Again, just in case any of you have forgotten what that law states the definition is listed below. FIX my credit reports NOW!! I do not want ANY phone calls from any of you, all must be in writing AND I wanted corrections made then updated with all three credit bureaus and a copy of each corrected credit report mailed to me and the IL Attorney General for review before this case is to be closed and I will be letting your boss President Trump know this as well! I have also contacted my attorney about all, the IL Attorney General and the NCUA!!!! 

XXXX XXXX Fair Credit Reporting Act The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Consumer complaint received 2021-12-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Consumer complaint received 2019-09-08
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: EQUIFAX, INC. (MD)

Equifax - XXXX XXXX {$1300.00} XXXX  XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1300.00} XX/XX/XXXX, The account was transferred/sold to a debt collector, i informed all 3 CRA 's that there shouldn't be a balance, past due balance, and a scheduled monthly payment on a closed, and transferred/sold account. But there have responded saying the account meets FCRA even after i sent them proof of the letters from the collectors. Additionally, 3 years worth of payment history is missing, they removed from XX/XX/XXXX to XX/XX/XXXX and are reporting XX/XX/XXXX as the date the account was charged off/closed when the actual date the account closed is XX/XX/XXXX. 

Equifax - XXXX  XXXX XXXX {$870.00} XXXX  - XXXX  XXXX XXXX {$870.00} XXXX XXXX  XXXX XXXX {$870.00} The account was sold to XXXX XXXX XX/XX/XXXX but it is still reporting a balance, and a past due amount. There are also other various inaccuracies that i have pointed out to the credit reporting companies such as the date which the account was closed, on Equifax it shows XX/XX/XXXX but then there is payment history after that date, XXXX  says account was charged off in XX/XX/XXXX after the account defaulted for 60 days, XXXX says the account was charged off XX/XX/XXXX after being late for 90 days.
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (UT)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (GA)

I am writing to formally dispute the accuracy of the information being reported on my credit report for the account listed below. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ), the Metro 2 standards, and the guidelines set by the XXXX XXXX XXXX XXXX ( XXXX ) .Account Information : Creditor Name : WESTLAKE FINANCIAL SVCAccount Number : XXXX Type : Auto LoanDate Opened : XX/XX/XXXX, XXXX Balance : $ XXXX Balance : {$15000.00} ( as of XX/XX/year> ) Status : Charged Off, {$14000.00} written off, {$15000.00} past due as of XXXX XXXX above account information is inaccurately reported for the following reasons : Inaccurate Balance Reporting : Despite the vehicle being sold at auction, the balance is not accurately reflecting this transaction. The sale of the vehicle should have been applied to reduce the outstanding balance. However, this is not being reflected in the current balance.Reinvestigation Requirement under XXXX : According to the Metro 2 standards and the XXXX automated dispute system, I have reinvestigated this account three times, yet the information continues to be reported inaccurately. This continual misreporting indicates a failure in adhering to the required standards and protocols for accurate credit reporting.Re-Aging of Delinquency Dates : The account is being re-aged for late payments, which unlawfully extends the duration that this negative information remains on my consumer file. The Fair Credit Reporting Act mandates that late payments should only be reported for up to seven years from the original delinquency date. The consistent re-aging violates this regulation and unfairly prolongs the negative impact on my credit report.Given the above inaccuracies and violations of both Metro 2 standards and consumer protection laws, I request that you immediately delete this account from my credit report. Enclosed are copies of my credit report with the disputed account highlighted, as well as supporting documentation, including proof of the auction sale and prior dispute correspondence.
Consumer complaint received 2024-06-03
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: SYNCHRONY FINANCIAL (VA)

On XXXX I opened my billing statement from Synchony Bank and noticed a late fee of {$30.00} and a interest charge of {$3.00}. But according to my bank at XXXX I paid my entire balance online on XXXX, and my bank told me Synchony Bank would have it by XXXX. That's one day before Synchony Bank due date of XXXX. When I called Synchony Bank their first customer service rep on XXXX from the XXXX said she wouldn't reverse the charges until I told her my bank told me you would have my money by XXXX. She then took off the {$30.00} late fee. But she didn't erase interest charge. So I had to call Synchony Bank again on XXXX and spoke with " XXXX '' from the XXXX around XXXX employee # XXXX, and she told me she would reverse the late fee and this interest charge. Which there should have been none when I paid them my entire balance before their due date according to my bank at XXXX XXXX XXXX. ( I have a screenshot from my bank as proof ) XXXX told me for the changes to take effect, it would be 24 to 48 hours. But I'm not really sure yet if they really did reverse these charges. And since they did this to me. I'm probably not the only person their doing this to.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (TX)

Equifax and XXXX are refusing to remove a collection that's reporting on my credit report. I have no relationship with XXXX XXXX XXXX and the balance was paid with the original creditor, hence why the account reports a XXXX balance, so I am confused as to why they are still reporting this account. I have sent all XXXX credit reporting agencies proof and XXXX is the only credit bureau that removed the account. I do not believe that Equifax or XXXX conducted an investigation into the inaccuracy of this account therefore I am reporting this to the CFPB, XXXX, and the attorney general. XXXX also reports that no payments have been made on the account when the account has no balance. Please tell me how this meets FCRA guidelines? I am requesting that Equifax and XXXX follow suit and remove this account from my credit report, or I will be seeking compensation per violation. Please see attached credit report.
Consumer complaint received 2021-12-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

was contacted by a company that identified itself to me as per attached document I was instructed to send these funds to specific beneficiaries. The merchant claimed that the funds from these transfers would be used to fund the brokerage/investment account they provided. At the time, the merchant presented this information as if the beneficiary was actually them. 
Since initiating these transfers, I have determined that the named beneficiary does not actually have any type of connection to the merchant at all. The terms and conditions provided on the merchants website list the client agreement as being between the merchant and myself. The name of the beneficiary to whom the funds were transferred by bank wire is not listed on the merchants website. 

It has recently been brought to my attention that there is not any connection between the merchant and the beneficiary to whom the funds were transferred. 


That is why I am reaching out to the bank a while after the transfer of the money to be deposited had occurred, to assist me by requesting the merchant 's bank launch a fraud investigation against the merchant and reverse the transactions if the funds are still available in the merchant 's account. 



In light of this information, I am kindly requesting you to start a fraud investigation and a wire recall procedure. 


I am available to provide further documentation or clarification as needed if you can supply me with an email address. 


Sincerely, XXXX XXXX
Consumer complaint received 2019-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

There is an an address on 2 of my credit reporting company reports *XXXX and XXXX* with an address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX, which I've never heard or nor have i ever lived there. I'm also dealing with a company called I.C. Systems, a debt collection agency working on behalf of XXXX XXXX- They say that I opened an account in XX/XX/18 with them but that's impossible, since I've lived with my parents over the last 8 years at XXXX XXXX, XXXX, NY XXXX and XXXX XXXX  XXXX, XXXX, NY XXXX and there was never any XXXX XXXX service and they weren't even my personal homes- It seems as though either they have a mistaken identity problem of someone that has resided or used that address in XXXX XXXX, NY or they have made a serious mistake and falsely have me as opening a XXXX XXXX  account -The debt collection company is now called I.C. Systems and they have the wrong person and they have ruined my credit score and they would need to show proof that their was an account opened on the day they set on both  XXXX  and XXXX that I am liable for an account that I never opened and I have yet to see any proof from them indicating such- I would like to see paperwork/documents of me opening an account with XXXX XXXX on the date they have given of XX/XX/18, that I never even opened! Either they have made a terrible mistake and need to correct it immediately by taking my name and information off that account or someone else has used my personal info and their is a data breach or mistaken/taken identity here and this could be fraud! I ask, you that you please look into this further! thank you-XXXX XXXX
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

This is a very confusing story but, all in all, as you will see will be very obvious it is not my fault. My cellphone, USAA bank acct, XXXX, XXXX, and XXXX XXXX was hacked and all funds were emptied. 
On Approx XX/XX/XXXX I went into a gas station ( pics included ) and paid using my XXXX  phone with XXXX XXXX  for the first time ever. I paid using my phone as my card was in my car and I was too lazy to go and grab it. So I sat at the self-checkout line with my things and set up the XXXX XXXX then tapped my phone and paid for my stuff. I never thought anything more into this until weeks later. 

On XXXX XXXX  is when the draining of the accounts started. The hacker emptied my USAA checking and savings then, my XXXX XXXX ( transferred the money into bitcoin then took it out ), and XXXX. And they were able to cash a FRAUDULENT check for XXXX in my name to some random person then they immediately took {$4500.00} out to someone I didn't know via XXXX XXXX. They did all of this XXXX night at XXXX or so EST and I did not notice until XXXX XXXX  EST on XXXX day. USAA said to file a police report and then I can say there is fraud on my acct. I filed a police report days later approx XXXX XX/XX/XXXX with officer XXXX XXXX at XXXX XXXX county sheriff 's office regarding my phone, USAA bank acct, XXXX, XXXX, and XXXX XXXX  being hacked. USAA said it was under investigation for over 90 days while my account was still in the negatives and they took XX/XX/XXXX and XXXX XXXX paychecks to cover the negative balance for my checking which at the time was {$4500.00}. Because the fraudulent check didn't go through and I 'owed ' them {$4500.00}. My taxes came in from the IRS and they took all of that as well. I owe USAA nothing now but, I never should have owed them from the beginning. I want my money back. My credit has gone down almost XXXX points because I wasn't able to pay bills. I had to take out an additional loan or two and the stress of not being able to find where my next meal for my family and I. {$4500.00} may not seem like a lot but, I don't have it like that. I am XXXX XXXX XXXX XXXX and it is a shame they do this to servicemembers and their families. I was forced to get another job to provide for my family and make ends meet. 

I will attach screenshots from my cell phone regarding the messages that I have never seen or read but whomever has access to my device was able to reply or check them for me. 

Remedial actions : New phone, SIM card, XXXX
Consumer complaint received 2021-12-20
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. (NJ)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-20
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: EQUIFAX, INC. (PA)

Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-27
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: EQUIFAX, INC. (GA)

To Equifax XXXX XXXX, This is a formal notice that you both, Equifax And XXXX, have failed to respond in a timely manner to my dispute letter that was received by you both no later than XX/XX/XXXX deposited by certified mail with the U.S. Postal Service on that date. 

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. 
Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and pursuing a federal lawsuit should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified, accompanied with the method of verification and, following failure to verify, DELETED from the report as soon as possible : 1. ) Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

XXXX. ) Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

XXXX. ) Account : XXXX XXXX XXXX XXXX XXXX  Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

XXXX. ) Account : XXXX XXXX XXXX XXXX XXXXXXXX Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

XXXX. ) XXXX XXXX  XXXX Instructions : THIS ITEM IS INACURATE AND UNVERIFIABLE. PLEASE DELETE! 

The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days. 

FAILURE TO DO SO WILL RESULT IN LITIGATION FOR FULL DAMAGES! 

Thank You!
Consumer complaint received 2021-12-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (VA)

This is a follow up complaint against Equifax, for they have failed to provide accurate information that is in accordance with federal law, FCRA, and congress. The complaint number that I am following up on is XXXX. In the response that Equifax has provided they had stated the following : " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. '' This is not accordance with federal law or the FCRA because if any consumer reporting agency such as Equifax, prepares an investigative consumer report such as Equifax has admitted to doing so. Congress, federal law, and the FCRA states in 15 USC 1681L that " no adverse information in the consumer report may be included in a subsequent consumer report. '' Equifax has in fact furnished an investigative consumer report while also furnishing adverse information. Therefore any and all adverse information needs to be removed.
Consumer complaint received 2021-12-20
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 checked my credit report and sent out letters to XXXX, Transunion XXXX XXXX to remove the late payments reporting on my credit profile as it is henerding me from getting credit! Pursuant to 15 USC 1681a ( XXXX ) ( a ) ( i ), Congress said, The term consumer report does not include transactions or experiences between a consumer and the person making the report. The line of credit in which you use and how you use is are Transactions, When you swipe a card thats a Transaction, Your Payment History is a Transaction. My experience is the Line of credit, so if my consumer report does not include the Transactions or experiences Then where does a LATE PAYMENT COME FROM? WHERE DOES HIGH UTILIZATION COME FROM? IT IS NOT SUPPOSED TO BE ON THE CONSUMER REPORT AT ALL ACCORDING TO CONGRESS! 

I have attached the letters sent, Law 15 USC 1681a ( XXXX ) ( a ) ( i ), & Copies of the credit report!
Consumer complaint received 2021-12-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (IN)

the account in the amount of XXXX is the amount they said i must pay. But i have no knowledge of this XXXX XXXX account i never opened a account with them now they are threating to sue me for something i have no knowledge of they said the account was open in XXXX in was closed XXXX of XXXX. they are saying they have been trying to contact me but i never got any calls. i have not or ever had a account with them that is fraud. now they is threating me to sue. i did contact them in told them i never had a account they were still trying to make me pay i told them i will file a police report if possible about the account because i have no knowledge of the account or the amount i even told them thats not have u spell my name on the account my name is mis spelled. if it was my account how could i get something like that wrong.