davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP (CA)

I have a loan with Honda Financial that opened around XX/XX/2017. I have been making payments on time since, but noticed that there has been no reports to my credit. I called and was advised that there was a system update and my account was deleted. Unfortunately, nothing can be done. I need this reported correctly because I need the good payments as it impacts my credit tremendously. I have included just recent payments, however, I have all the payments available for proof as needed dating to XX/XX/2017.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (FL)

This issue occurred at XXXX XXXX in XXXX XXXX, Florida. On XX/XX/2020 I purchased a new mattress in-store for {$5100.00}. I inquired about available financing offers and the sales associate informed me there was currently a limited time offer for 60 months with no interest. I agreed to these terms and the sales associate proceeded with the application process on the computer in-store. she encountered difficulty with the application process and required assistance from her manager who completed the application over the phone with synchrony bank. I was again assured by the manager that the promotional offer was for 60 months and no interest. My application was approved and the purchase was completed. I was never asked to sign any forms or financial disclosure agreements. I received copies of the purchase receipt and invoice just before exiting the store. 

My mattress was delivered without any issue. Upon receiving my first invoice from synchrony bank I discovered that the promotion I was signed up for was for 60 months variable interest with an initial interest rate of 9.99 % for the 1st 5 years and 29.99 % after if the balance was not paid off. I contacted XXXX XXXX again on XX/XX/2020 and was informed that the only interest free/deferred interest financing they currently offer is for 12 months. I was told that if I wanted to cancel the order and return the XXXX I would need to pay the {$130.00} re-stocking fee. The manager informed me that this situation has happened quite a few times where customers are told the promotion is 60 months no interest, and they find out later that its actually for a variable interest rate. The manager offered to submit a request to transfer my promotion from the current 60 months over to the 12 months no interest. I agreed that this would be my preferred recourse considering the situation as I did not wish to pay interest or a re-stocking fee. I was told that the change would take at least 1 billing cycle and that any incurred interest would be applied back towards the original principal.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

my XXXX attempt was on XXXX and the XXXX attempt was on XXXX and the credit bureaus did nothing but say my information was verified. There are accounts reporting inaccurate across all XXXX credit bureaus on my consumer report. Several laws have been broken under the the FCRA, so with the proof I have provided by law these accounts need to be deleted immediately or I will be filing a law suit. This has caused me financial injury and defamation of character.
Consumer complaint received 2023-02-23
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. (MD)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$29000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX Balance : {$4800.00}
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (NC)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX which is ( my sons student loan ) reported a XXXX late payment on these 3 dates on all 4 accounts. Which my son was enrolled in school and his loan was in deferment. Somehow there was a computer glitch and we have to pay the price. It is not right. HAVE MADE MULTIPLE ATTEMPTS TO HAVE THIS REMOVED OFF MY CREDIT REPORT WITH NO HELP FROM AGENCIES. They will note it on my report and do nothing else.

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-11
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MONEY SOURCE, INC., THE (CA)

Please provide an accounting of year XXXX. Please include all payments made in escrow tabs prove payments to both taxes and home insurance independently and separately. 

I need to see where the money source applied every penny of payments. How much of the monthly payment amount was used for principal, interest, home ins, and property taxes.
Consumer complaint received 2023-02-07
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. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2023-02-07
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. (TX)

XXXX XXXX is not licensed to collect in the State of Texas. 
They are reporting these two accounts on my credit report without proper notification, reporting inaccurate dates opened because they bought the debt and without a license to collect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These transactions are reporting ILLEGALLY on my consumer report. Also, my name is XXXX XXXX, and not XXXX XXXX. Please delete immediately, and send me an updated copy of my report please. Thank you.
Consumer complaint received 2023-10-18
Product: Credit reporting 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. (FL)

Unauthorized inquiries listed below please remove immediately from my report Hard Inquiries ( XXXX ) Company NameXXXX  LoansDate InquiredXXXX 2023Company NameXXXX OF XXXX Dealers, NewDate InquiredAug XXXX NameXXXX XXXXDate InquiredAug XXXX NameXXXX XXXX FinancingDate InquiredXXXX XXXXCompany NameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealers, 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 NameXXXX  XXXX Dealers, NewDate InquiredJul XXXX NameXXXX XXXX Dealers, NewDate InquiredMar XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2023 XXXX**15 U.S.C. 1681s-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********
Consumer complaint received 2023-07-18
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: General Motors Financial Company, Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX Account #, 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.
Consumer complaint received 2023-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

ive been with capital one since XXXX during the month of XX/XX/XXXX my brother XXXX XXXX which caused the payment to be late that month. After and before that tragic month I have always been on time with both accounts that are in the attachment below. Ive been with you all for more then years i hope your company can do the right thing. for the auto loan it happened XX/XX/XXXX after that no issues with it being late.
Consumer complaint received 2024-03-11
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. (GA)

I spoke with someone Saturday XXXX XXXX  XXXX  regarding this matter. he said he would send it to my email its been days and he haven't I took the steps he recommended and got an ftc report. He said he would send it to a address on file name XXXX which I never stayed at that address is not even tied to none of my credit reports or accounts reporting on file. So he said I would send it to your email he never did. And I have that call on recording. This account is fraud and im requesting immediate removal of this account. As the information you guys are reporting is not accurate. And if so if you believe this is me please provide copies of id, social and a copy of the contract / application that i signed which I know i never had also provide me with footage of this.
Consumer complaint received 2023-10-18
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. (MI)

I'm demanding Transunion shall block the following accounts below from my consumer report pursuant to 15 USC 1681c-2 ( a ) no later than 4 business days of receipt. Do NOT " reinvestigate '' these accounts with eOSCAR, as you've failed to do so in the past. Your company is furnishing and reporting FRAUDULENT accounts on my consumer report I did not give Transunion my written permissible purpose to furnish these accounts therefor Transunion is involved in identity theft pursuant to 15 USC 1681b ( a ) ( 2 ) .Please block and delete the following accounts and information on my consumer report immediately : 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 Dept of EDXXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting 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. (WI)

FTC Report Credit Card Opened by the Thief : Company or Organization : XXXX XXXX Date Fraud Begin : XX/XX/XXXX & XX/XX/XXXX Company or Organization : XXXXXXXX XXXX  XXXX Date Fraud Begin : XX/XX/XXXX & XX/XX/XXXX Company or Organization : XXXX XXXX  XXXX XXXX 
Date Fraud Begin : XX/XX/XXXX Company or Organization : XXXX XXXX Date Fraud Begin : XX/XX/XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I have been sending information about some accounts that appear on my credit report to the bureaus for months, and they didn't answer about my requests, not even by email. By law they have to report about my requests. It is unfair I have to come to this to be took into account by these companies.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments.
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXXXXXX XXXX from my Bank of America account to XXXX to fraudulent investment firm.
Consumer complaint received 2023-07-29
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. (MD)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2023-07-29
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. (TX)

I have attached my credit report to this complaint to show that you are reporting an inaccurate account on my credit report. The account XXXX XXXXXXXX is more than 7 years old, and it was transferred to another lender. This account was to be removed XX/XX/XXXX, so why is it still reporting on my credit report? You are also reporting the XXXX as XX/XX/XXXX which is incorrect and another violation. XXXX has removed this account, but your company has failed to do so and ignored my initial dispute letter. I am requesting the removal of this account immediately from my consumer report.
Consumer complaint received 2023-07-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

After reviewing my consumer report on XX/XX/2023, I noticed LVNV Funding LLC is showing on my report as a collection. They are attempting to collect an alleged debt amount of {$590.00}. As of XX/XX/2023, I've been sending out NOTICE FOR VALIDATION OF DEBT PER 12 C.F.R. 1006.34 to the company. LVNV has not provide the documents requested and continues to keep reporting on my consumer report. This inaccurate reporting is causing severe damages to my character and reputation. I am asking the account to be deleted from XXXX, XXXX, and XXXX.
Consumer complaint received 2020-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

I was called by the company and told I needed to take care of this debt. I think they are a scam organization, as I have no debts. I've researched that they buy up junk debts and try to collect, often from the wrong person. They have been sued many times. I have no debts what so ever that are or have been delinquent in the last 20 years. I hung up on them, but they keep calling
Consumer complaint received 2023-02-07
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. (CA)

This XXXX  entity was contacted by my lawyer. The dispute letter in addition to my previous letters has been recklessly disregarded. The credit reporting companies are farudulent and XXXX, these three corrupt companies-XXXX, XXXX and Experian ruined my credit scores based upon false misinformation provided by the creditor banksXXXX XXXX XXXX. and XXXX  XXXX XXXX. Please see attached letters.
Consumer complaint received 2024-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: FISERV INC. (NJ)

I opened a merchant processing account on XX/XX/XXXX with XXXX  XXXX ( part of Fiserv ). I have provided all the personal and business information they asked for, for their due diligence and approval process. According to the agreement they would transfer funds within 48-72 hours. They randomly and sporadically transferred small batches of funds to my account. Emails from their " risk department '' were very unprofessional and suspicious to a point that I though it was fraud. I supplied additional information they requested showing prior transaction history with other companies, showing low risk profile evident by no chargebacks or disputes. Customer service was the worst with wait times over 30 minutes every time I called. Sometimes they would not answer at all and no calls back received. I closed the account on XX/XX/XXXX. They processed a total of {$110000.00} for me. It has been 2 months since transactions occurred and no chargebacks or disputes were received for the amount they processed for me, as of today. They are holding the remaining {$31000.00} without any explanation. The only explanation I received was they are holding money for " risk purposes ''. Numerous attempts to reach customer service or salesperson were unsuccessful. No one returns call or emails and its impossible to reach anyone as wait times every time I call is over 30 min and then it just goes to voicemails. 
This company is part of Fiserv, a XXXX and payments company with solutions for banking, XXXX XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct or remove them immediately in my 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 XXXXXXXX XXXX XXXX XX/XX/XXXX