davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AMERICAN HONDA FINANCE CORP (MS)

On XX/XX/XXXX, XXXX car was purchased from XXXX XXXX by my daughter XXXX XXXX. It was a XXXX XXXX XXXX XXXX XXXX. I was asked by the company to check my credit because my daughter has a great credit score but not enough credit establish. The salesman asked if he could run my credit to see what she could get. I stated I hate for you to run my credit because it will cause me points, he replied ; its a soft inquiry. The salesman and my daughter called me back at my home and stated the details and I said no I will not co-sign and you need to leave because the length of the long was too long and in my opinion the car was too expensive with no discounts. The problem came in when the dealership told my daughter to pay a down payment and she can get the car in her name with a XXXX annual percentage rate with 60 months. She paid down {$4800.00} she put the gap payment in the amount. The dealership took her money and also put the car in her name and my name. I did not give my consent verbally nor did I sign a contract. If she paid the money why would you put my name on the loan. If you put my name on the loan why did you take her money? This is a fraudulent contract. Mail came to my house with a privacy matter stating XXXX XXXX and XXXX XXXX I have provided a copy. The dealership said my name is not on the contract it is not on the contract but it is on the loan and on my credit report. I contacted Honda Financial Services Friday and was told it is in my daughter name and me as a co-signer. On XX/XX/2021 i requested a copy of the contract via telephone it was sent to me via email. the contract my daughter has the general manager name was not sign the contract I have the general manager signed. How that happen I can not explain they will have to explain that. It has caused stress, emotional harm stop me from purchasing my vehicle because all my credit is tied up with a {$30000.00} loan on my credit .I feel overwhelmed because the salesman and finance manager did a XXXX  and switch on the contract regarding utilizing my credit against my consent. This is wrong and I do not know how the contract say one thing but the main paper work has me listed. I am devastated with this situation. Upon request I will send you a copy of my credit report showing the loan on my credit.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I ask to see verify information of the inaccurate thats showing the wrong information on these accounts. They validated so many of my rights and its a lot inaccurates. They done skip months and also one of the account XXXX show nd no data how is that possible. XXXX account shows 30 30 90 days inaccurate.
Consumer complaint received 2024-01-29
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: CITIBANK, N.A. (GA)

Dear Sir/Madam, This is XXXX XXXX . I want to bring the attention that I was cheated by Costco. I purchased XXXX tires of XXXX company for XXXX XXXX XXXX XXXX on XX/XX/XXXX, from Costco located XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX with a warranty of XXXX miles. But the threads of all tires have gone only after XXXX drive. I had been to Costco a week back for tire rotation. They never told me anything was wrong with the tires. Air Pressure sensor was also going on and off. Costco told me they have repaired the tires, and it should not happen again. But the very next day sensors were on again. I showed it to XXXX more tire center they advised to get the tire change as the threads were worn off. I got it does from Costco and it was replaced with XXXX company tires. I asked them to refund or do something as the car had just covered around XXXX, but they refused and asked me to contact XXXX. I did contact the tire company. Now, they told me to contact Costco. Where will the customer go if both retailers are blaming each other. I ran in so much of loss. I am looking for refund. I am attaching the warranty and Costco tires bills. 
Kindly help me resolve it to get the refund based on the warranty. Thanks in advance for your kind support and cooperation. 

With best regards XXXX XXXX, Email : XXXX, Phone : XXXX
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (CA)

On XX/XX/2021 my credit score decreased by XXXX points for an account in good standing that I verified with company of card is still open. Credit Karma removed this card from my credit profile causing my score to fall XXXX points. I contacted the bank of card and they have verified that this is an error on Crefit Karmas be-halfand they assured me this account was NOT removed by them. 
Also, I checked today and it has fallen an additional XXXX points due to an addition of a credit card they highly suggested I needed for my credit profile. 
They also told me by removing a delinquent account it would raise my score XXXX points. So I paid account in full resulting in removal of derogatory account. It didn't have a positive result, in fact there was no change to my credit score. 
Currently, I'm most frustrated with the fact they have accidentally or at fault of theirs have unlawfully removed a good standing account from my report for no reason. 
I have contacted them and nothing has been resolved. 
This should be illegal. 
Here in trying to get a mortgage loan and they have ruined that.
Consumer complaint received 2023-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/17 went to local Wells Fargo Bank to pay arrears. I presented my check to Cashier who tried to enter into computer with fail, at which time she asked a senior clerk to try, again to no avail. I was referred to an upper level employee, possibly the Manager or Assistant. At this time he tried to process the payment and upon being unable, called the main office in Texas I believe he said. He had a phone call which lasted a couple minutes and upon ending the call he apologized first, and told me he was not allowed to accept payment. My original Account number was XXXX and the company changed it, I called and asked questions but was told the Company changed everyone 's account numbers. This company has been shady since the beginning.
Consumer complaint received 2023-03-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

Debt collection agency wont provide proof that the account in question is mine. Nor can they show me how they came to the amount they are claiming I owe. They update the file regularly to make it appear as though its a new account but if its what I think it is, this is from 10 years ago. When they update my file it hurts my credit because it looks like a new collection account.
Consumer complaint received 2024-01-28
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. (VA)

XXXX. XXXX XXXX. Transunion Consumer Solutions XXXX. XXXX  BANKRUPTCY XX/XX/2019 : I have public record twice. I have asked for method of verification twice. I have not been provided evidence. The filing/reported date is wrong. The closing day is also wrong. The Reference number is wrong. I demand you provide me with a method of verification. I have attached a letter from the court saying they have not reported this public record to any of the bureaus. Delete this immediately! 



XXXX XXXX XXXX - XXXX : I have disputed this account twice. I AM NOT LIABLE for this debt. I asked for validation, and nothing was provided to me. It has been deleted before and reinserted without proper notice and certification. Delete this immediately
Consumer complaint received 2024-03-21
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. (MS)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2020-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive disputed the debt to XXXX its TransUnion TWICE and they continue to tell me the debt is accurate. This debt has been paid off since XX/XX/2020. XXXX can confirm payoff as Ive called them And they have stated that the bureau is supposed to remove the debt because it has been paid. TransUnion has not effectively and thoroughly investigated this by FCRA 611 standards and this debt needs to be deleted as it is already paid off.
Consumer complaint received 2021-03-16
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. (AR)

Bankruptcy showing on my credit report, I contacted the Bankruptcy court clerk and their response was they don't report bankruptcies to credit reporting agencies or to any credit bureau therefore it is in error that it is showing on my credit report or it is a Lie! either way the credit reporting requirements do not comply with the FCRA XXXX XXXX XXXX XXXX. XXXX ) and the information must be deleted Immediately!!!
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV INC. (CA)

Received a {$600.00} XXXX  card recently. Apparently I either did not create a password or did not record the password correctly because I am unable to use it : getting a password incorrect message. So I called the customer service number on the back of the card ( XXXX XXXX XXXX XXXX ) because I read on XXXX that if I phoned customer service I would be able to reset the password. 

Unfortunately, upon reaching customer service I am asked for the XXXX card number and then its password! The recording would not let me continue without the password. I tried several different options from the recording but can get no place without the password ( which is why I am calling ). I am reaching out to you in hopes of resolving the problem or at least alerting someone to the issue. Thank you. 

XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

On XX/XX/year> and XX/XX/year> I sent letters to Equifax. So I'm writing to bring to your attention a concerning issue I have encountered with Equifax and several companies reporting information to my credit file. Recently, I discovered discrepancies on my credit report related to late payments associated with accounts from the following companies : XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX Upon discovering these discrepancies, I promptly initiated a dispute process with Equifax, requesting documentation to verify the accuracy of the reported late payments. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccuracies on their credit reports and receive documentation supporting the accuracy of disputed items within a reasonable timeframe. However, despite multiple requests made to Equifax, they have failed to provide me with the necessary documentation within the required timeframe. This failure to comply with FCRA regulations has hindered my ability to address and rectify the inaccuracies on my credit report, thereby causing undue stress and frustration. I believe that the actions of Equifax and the aforementioned companies are in violation of FCRA laws, which are designed to protect consumers ' rights and ensure the accuracy of credit reporting. I kindly request that your office investigate this matter and take appropriate action to ensure that Equifax and the companies involved adhere to their obligations under the FCRA. Additionally, I seek assistance in obtaining the documentation necessary to resolve the disputed late payments on my credit report. Thank you for your attention to this matter. I look forward to your prompt intervention and resolution of this issue.
Consumer complaint received 2023-03-11
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: W&A Intermediate Co., LLC (MI)

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 an open end consumer credit plan as late for Purpose
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a negative on my credit report which is Office of the Atty Gen it shows I have late payments which I do not I have called several times no explanation on this matter It should not be on my credit report period.
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (CT)

XXXX XXXX re added a major derogatory account to Equifax knowing I was an identity theft victim since XXXX. Equifax is how this all started due to a data breech which I was registered as a victim. They cleaned up my report and now they are allowing old fraudulent debt back on to my credit report.
Consumer complaint received 2024-01-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: JPMORGAN CHASE & CO. (NY)

Around XX/XX/XXXX, I noticed a loan on my account from Chase Bank. I contacted Chase at that time, and I sent in the necessary documents multiple times to have the loan removed from my credit report. I believed that the case had been closed by then. However, in approximately XX/XX/XXXX, I received a 1099-C, along with bills from the IRS and XXXX, totaling approximately {$70000.00} in taxes for earned income that I had never actually earned. Not knowing what to do, my accountant advised me to contact Chase. 
I attempted to have the 1099-C removed, but on XX/XX/XXXX, you sent me a letter stating that you couldn't reopen the case since I hadn't sent back some documents in XXXX ( please see the attached letter ). With no other option, my accountant amended my return and included the income along with an identity theft expense. However, the IRS audited this item and is now requesting that I obtain Chase 's assistance in re-filing the 1099-C.
Consumer complaint received 2021-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Type of Account ( Savings ) I have tried to resolve the complaint with Bank of America, N.A. 
On XX/XX/XXXX I contacted the claims department by Phone and talk to a lady on the line. On XX/XX/XXXX In Person, XX/XX/XXXX In Person and by Phone, XX/XX/2021 I visited the branch In Person in XXXX XXXX off of XXXX XXXX. Do not have the individuals names there are call records for my Phone calls to Claims. 
Bank of America did not respond to the complaint the money being taken without my permission or authorization from my Military Retirement Account. I was told by my attorney at XXXX XXXX XXXX, XXXX. to file an Unauthorized Electronic Funds Transfer. My Military Retirement Pay is exempt for garnishment from Commercial Debts under the Uniformed Services Protection Act. 
Bank of America employees that I talk to on the phone or In Person refused to allow me to file any Claims on my account. There statement was It is a garnishment from the State of Texas. Call the State of Texas at XXXX XXXX XXXX XXXX telephone number. 
I checked my bank account on the morning of XX/XX/2021 notice that {$6200.00} plus {$120.00} fee was taken from my Military Retirement Account without my permission. First thing I did was contact my Attorneys and gave them the information as it appeared on my bank. What appeared on my account was Legal Order XXXX XXXX. The attorney got back to me later in the day and told me to first go file a police report then contact the bank and tell them I would like to file an XXXX XXXX Funds Transfer. The Attorney said that it appears to be fraud and that the State of Texas did not have a Legal Order number of that nature. The police officer at the XXXX XXXX Police Department that took the report said it did not look like a valid Texas Legal Document Number to take money from a Saving account. The police department filed it under Identity Theft and are investigating. Bank of America personnel did not assist me in trying undercover or understand how money could be taken from my account without my permission or authorization from my Military Retirement Account.

I did not owe any money for loans, mortgage, cars, collection of any types.

This is not a debt that I owe. BofA should check to see if the actual collector is within the Attached is a copy of the XXXX XXXX and Accounting Services ( XXXX ) : Type : Deposit Description : XXXX XXXX : XXXX NET ID : XXXX XXXX : XXXX XXXX XXXX CO ID : XXXX PPD Merchant name : XXXX XXXX AND XXXX XXXX Transaction category : Income : Investment Income Funds Exempt from Creditor XXXX Some types of money are automatically exempt ( protected ) from your creditors, regardless of where you live, including : Social Security and Supplement Security Income ( SSI ) federal, civil service, and railroad retirement benefits. veterans ' benefits.
Consumer complaint received 2023-03-09
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-27
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: Experian Information Solutions Inc. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6500.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have reported this several times to XXXX that this information is incorrect and unverifiable - I even received a letter from XXXX saying that they couldn't verify this account. 

XXXX XXXX XXXX XXXX {$2200.00} thank you
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc. (NY)

A few months ago XXXX XXXX sent a debt for my final bill of about {$42.00} to the XXXX XXXX XXXX and I paid it immediately and I will attach receipts below. Not long after that they also decided to use another collection agency Associated Credit Services to collect an even bigger debt of {$230.00} when I already paid. When I emailed them showing the proof of debt paid they told me to contact XXXX XXXX and when I did I was told someone would call me and nobody did. This debt never shouldve been on my credit report and I need it removed.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (IN)

XXXX XXXX reported to my credit prior to contacting me regarding the alleged debt. When I asked for verification they never provided the debt validation or any of the account information. There are many discrepancies and inconsistencies with how they are reporting the alleged debt on my file as well. 

I would like to see XXXX the communication occurred when the debt was purchased from " XXXX XXXX '' to XXXX XXXX and prior to being placed on my credit report. 

The account status is not consistent, Date Opened is not consistent, Closed date is nonexistent and last payment as well.