davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-29
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (CA)

Hello On XX/XX/XXXX I signed a lease contract with XXXX XXXX Honda ( dealership ) located at XXXX XXXX XXXX, CA XXXX. Unfortunately, a year later I found out that the contract I signed was not what I was informed at the time of sale. I asked XXXX XXXX ( Finance Rep ) if the vehicle came with the three-year services included in the contract, in which XXXX stated that the vehicle came with the three years services included them in my monthly payment, if are done at the same XXXX XXXX Honda location. To my surprise a year later, I was told that what I signed i was NOT the same lease agreement we had spoken about before I signed the sales contract, and that extra charge that I'm getting on my monthly payment is for some Treft Warranty that I was told it was included as part of the deal. 

The reason I state this is because on XX/XX/XXXX, I arrived at XXXX XXXX Honda ( dealership ) to get the oil change done on my vehicle, and XXXX XXXX ( service advisor ) informed me that my service contract had expired. XXXX explained to me that that service contract it was valid only for three services NOT for the three years lease contract. While they were taking my car to get the oil change done, I went to the front desk and asked to talk with any manager available. 

XXXX XXXX ( General sales manager ) came out to talk to me, at first, I told him that I was upset, because my contract was not what I was informed on the day of sale. He was rude and raised his voice at me, telling me that I was lying. XXXX also stated that every single finance office has a recording device that records every single conversation when they are singing a contract. I told him that its so unprofessional and against the law record someone without their knowledge, but that I was glad that they recorded the signing of my contract, because I was not lying. XXXX stated that he would request the record from their recording company ( he didnt want to give me a name ) and that he will give me a call.

Its been four weeks and I havent received any call, email or mail from this General Manager. Which only means that he was lying to me.

I also tried to get in contact with the dealership controller and no one was able to give me any information. I look on XXXX review and i found this email that is use for complains ( XXXX ). I emailed him back on XX/XX/XXXX and i still don't get any help. Only two phone calls trying to sell me another car. 

I would appreciate if you can help me get this issue resolved, and I can get what I was told the day I signed my lease contract, this problem has also caused me to incur additional cost by getting charged for my oil changes on my vehicle. 

I look forward to settling this matter amicably. 

XXXX XXXX
Consumer complaint received 2019-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (OH)

There is an inquiry on my credit reports for XXXX, XXXX, and XXXX that is dated XX/XX/2019 listed as JPMCB Card. I did not authorize this inquiry and did not apply for a credit card with this company.
Consumer complaint received 2021-07-29
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: EQUIFAX, INC. (CA)

Checking over my report and I noticed some accounts that I have been disputing for over 40 days with no written response is still being reported on my credit. I have been filing multiple complaints & disputes against the creditors & your XXXX  plus third parties about going against the law reporting things inaccurate on my credit. Now the time is up I will need this remove immediately or legal actions will be forced.
Consumer complaint received 2021-07-31
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. (TX)

This is my 4th time contacting the CFPB and nothing is being done on my credit file. I have submitted several disputes to Experian, XXXX and XXXX as well as the collection agencies directly and no one is handling my disputes. I want these negative items deleted from my credit report today and I expect to have an updated report with these items deleted within 15 days ... The CFPB is suppose to govern these bureaus and no one is doing their jobs ... 

XXXX  XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXX/XXXX  XXXXUNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCONT XXXX-XXXX-NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/XXXX
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have two different companies reporting the same account on my credit report. 

XXXX in the amount of {$550.00} XXXX XXXX  in the amount of {$550.00} I have worked with a credit service and the problem has not been resolved.
Consumer complaint received 2021-07-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

The reporting agency failed to comply with the requirements under section 15 U.S. Code 1681d of the Fair Credit Reporting Act.

After signing the return receipt label via USPS acknowledging delivery of my disputed claim on XX/XX/2021, the reporting agency did NOT : Provide me with any written disclosure by mail or any form pursuant to 15 U.S. Code 1681a ( 1 ) that an investigative consumer report including information as to my character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made ; causing an investigative report to be prepared.

Give a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title.

It is NOT a fact ; pursuant to 15 U.S. Code 1681d ( 2 ) (
A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) Pursuant to 15 U.S. Code 1681d ( b ) I am requesting the disclosure required by subsection ( a ) ( 1 ) no later than five days after the receipt this notice and ; make a complete and accurate disclosure of the nature and scope of the investigation requested.
Consumer complaint received 2021-07-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC (IN)

On XX/XX/2021 I natural person and federally protected consumer XXXX XXXX XXXX believe Global Lending Services have violated my federally protected consumer rights under the FDCPA ( fair debt collection practice act ) FCRA ( fair credit reporting act ) and T.I.L.A ( truth in lending act ) I walked into XXXX XXXX to fill out a consumer credit transaction and walked out with a loan and debt. I assume no liability for this alleged debt which I stated in the first affidavit. see attachments
Consumer complaint received 2021-07-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I originally wrote Equifax, XXXX, and XXXX  a 609 letter dated XX/XX/2021. I never heard back from them nor were the items I was disputing entered into the record so to show that the items were in dispute. I wrote them on the month of XX/XX/2021, a letter to comply with their own rule set in place that they have 30 days to respond which they failed to do. Therefore I am now following procedure and lodging my complaint for the record. I plan on going to court and suing for the amount of {$1000.00} for failure to comply with the rules and failure to amend my credit report to reflect that such items have been removed.
Consumer complaint received 2019-12-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (MS)

I opened an account online not realizing the bank was 3 hours from me. Well I tried to transfer my money out of the account without having to drive so far as I am pregnant. They locked my account and told me to come to a branch in person to collect my funds. Well I drove the 3 hours and they closed my account and said that the money would be sent via mail. Wel I got a letter in the mail from them saying that the funds would be sent if they dont collect them or something to that extent.
Consumer complaint received 2020-03-02
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 (NC)

Purchased a Refrigerator online at Lowes during their XXXX XXXX   Pre-Sale. 

Chose the interest free option, I believe for 12 months. 

Lowes is charging me interest They say that I caught this too late and therefore they do not have to fix the issue
Consumer complaint received 2022-11-11
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. (NC)

It appears that 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 are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-27
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: DISCOVER BANK (NY)

I am a victim of identity theft. 

I recently learned that my personal information was used to open an account at Discover. I did not open or authorize this account. 

After contacting Discover, I realized that the thief used an incorrect address and date of birth when this account was opened. The DOB Discover has on file is XX/XX/XXXX when in fact my correct DOB is XX/XX/XXXX ( as evidenced on my driver 's license ). This is a clear indication of the identity theft. 

I filed an identity theft report with the XXXX Police Department and contacted Discover as well as the 3 credit bureaus, XXXX XXXX and XXXX on or about XX/XX/XXXX, requesting that they take all appropriate steps to remove information about this account from my credit files. As of today, more than 30 days later, this account still appears on my credit files. 

Discover failed to act promptly to remove and block the inaccurate information from appearing on my credit file. This affects my ability to obtain credit.
Consumer complaint received 2019-02-07
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. (WA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OH)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

I had a recent dispute with Experian. There a few items that remained on my report after the investigation. The FCRA states the consumer reporting agency was to conduct an interview with neighbors, friends, and associates as a part of the investigative consumer report. It also says that such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I challenge Experian to provide the evidence under penalty of perjury that the organization conducted such interviews.

I also had 2 late payment from XXXX XXXX that shall be removed immediately. I have a letter from the organization stating that the items were not to be reported.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

I have attempted several times to have inaccurate information removed to no avail. Names on my report are still incorrect. Address are incorrect. Employers are incorrect. Debts have been paid or settled yet negative information is still reflecting on my report. This information needs to be removed immediately.
Consumer complaint received 2023-12-08
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. (NJ)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/2023 and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX, XXXX XX/XX/2023 XXXX XXXX , XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2021-07-29
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: Experian Information Solutions Inc. (MI)

Disputed these inquiries on my file with XXXX  XXXX  & Experian. I have sent out mail & called them numerous amounts of time. I have gave them more than enough time like 45 days I have been waiting for a response so now please remove this off my report I have no accounts or anything pertaining to these inquiries so why are they here man!
Consumer complaint received 2021-07-29
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. (NY)

After checking my credit report and I saw several things I did not initiate or authorize, I have been in contact with agents from all bureaus and they are giving me the run around about deleting information that doesn't belong to me. They are reporting inaccurate information which is a direct violation of the FCRA. Now as a result, I have inquiries on my credit file/report that do not belong to me.
Consumer complaint received 2021-07-29
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: EQUIFAX, INC. (NY)

After checking my credit report and I saw several things I did not initiate or authorize, I have been in contact with agents from all bureaus and they are giving me the run around about deleting information that doesn't belong to me. They are reporting inaccurate information which is a direct violation of the FCRA. Now as a result, I have inquiries on my credit file/report that do not belong to me.
Consumer complaint received 2023-01-22
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: WELLS FARGO & COMPANY (AL)

Last year late XXXX XXXX  wells fargo took money out of my account stating that i owned them money over XXXX advance for XXXX child tax credit. They took {$1500.00} in advance. It my account in the negative for XXXX weeks plus the still charge overdraft fees of {$35.00}.
Consumer complaint received 2021-07-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE A 30 DAY LATE PAYMENT THAT IS WRONG I MAILED LETTERS IN TO THE CREDIT BUREAUS BUT NEVER HEARD BACK FROM THEM
Consumer complaint received 2021-07-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Avadyne Health Holdings, Inc (IA)

For about two month now I have been calling H & R accounts located in XXXX XXXX IL. I have continuously called multiple times in regards to an itemized letter Of each service I am being collected for. The first time I called they said it would take about two weeks and nothing I called again they said it usually takes more than two weeks nothing its been more than two months and I havent received an itemized letter of the medical debt that I owe. If they can not provide this information to me then why am I being held for collections
Consumer complaint received 2021-07-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (SC)

This company keeps calling me for a credit card debt and I have never had this consumer credit card in my life. They said they are filing against me at the courthouse, they told me to stop being a deadbeat and running away from my responsibilities and just pay the debt. They refuse to give me the dates of any transactions. I am XXXX XXXX XXXX and this is making me very upset. They call everyday non stop!
Consumer complaint received 2023-01-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY (OR)

WELLS FARGO- False advertising of auto loans, poor to bad credit ok! I remained at the same job for 12 years, great income, customer service kept saying I would be approved and denied and denied over and over again for a {$22000.00} auto loan on a brand new car, I applied for this loan in XXXX. I spoke with numerous different departments and was jut ran in circles. Countless hours wasted on hold!
Consumer complaint received 2021-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. 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. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (UT)

Credit Collection Service is reporting a debt on my credit file that I do not owe. I paid this account the moment I found out about it since I never received any mail from them or a phone call. This violates my 30 day right to dispute under the FCRA and the FDCPA. I am aware that Credit Collection Services report to the bureaus as they deem necessary since they are the furnisher. If this is not removed, I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this account.