davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP (NY)

Per the contract, turn in fee is waived if you buy or lease a new Honda AHFC has been provided with proof of my new Honda lease ( both by mail and email and now attached to this complaint ) and has still reported me delinquent on the turn in fee for multiple months resulting in XXXX points of XXXX  score reduction
Consumer complaint received 2020-09-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (NY)

I called santanders consumer USA to lower my monthly payment and they said they cant help me I am currently paying XXXX a month on a used vehicle that dont pass state inspection because it needed parts that the mechanic is trying to find. The vehicle is used and it was rotten at the bottom of the car we got it in 2015 with a high interest rate of 24.9 % I am struggling.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative. 
XXXX XXXX XXXX Owed {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-03-19
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. (MO)

I recently obtained a copy of my credit report and there are inquiries reporting on my report that I did not authorize. I am very concerned about this situation because someone is applying for credit using my information. This situation is causing major stress and I need it to be taken care of immediately.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have no knowledge of any of the accounts I am disputing, they are not mines. None of the accounts have been validated, or verified. I wasn't given the IRS XXXX C Debt Cancellation Forms, or any purchase agreements that are supposed to be provided by the collection agencies or debt XXXX. Also from my understanding and research according to the Fair Credit Reporting Act these creditors have violated my rights Under XXXX XXXX. XXXX - permissible purpose of consumer reports, THE LAW XXXX XXXX : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. Ive never provided written instructions to furnish any of these accounts on my consumer report? Furthermore, the FAIR CREDIT REPORTING ACT XXXX XXXX. XXXX ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS. - Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section XXXX of this title, any -- ( i ) report contacting information solely as to transactions or experiences between the consumer and the person making the report ; This means any information that includes transaction history, late payments, balances, etc are not to be reported. Also I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-05-08
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. (SC)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$83000.00} XXXX XXXX XXXX Balance : {$83000.00} XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-07-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSI Enterprises, Inc. (MD)

On XX/XX/2023, I received a letter via mail from RSI Enterprises regarding an alleged Medical debt owed to XXXX XXXX XXXX XXXX. The letter claimed I owed a debt of {$120.00} and a second debt of {$170.00} On XX/XX/2023, I sent a letter requesting the debt be verified and for RSI Enterprises to provide the name, address, account number, and the amount owed. I requested additional details about the debt including the age and amount of this debt and a copy of the last billing statement from the original creditor any interest added or payments made since the last billing statement and the legal authorization of this interest. As well as the date the date became delinquent. 

On XX/XX/2023, I received another letter via mail from RSI Enterprises claiming that the alleged debt was now collectable. The debt collector now claimed the alleged debt amount to be {$280.00}. 

RSI Enterprises did not provide any of the information I had requested within my rights. They did not validate the debt and the amount had now changed. The debt collector violated CFBP law because they did not provide any information in response to the debt validation letter and were claiming the alleged debt was collectable. 

On XX/XX/2023, I sent another letter to the debt collector letting them know that they had not validated the alleged debt and were in violation of Federal law. 

On XX/XX/2023, RSI Enterprises sent me another letter claiming I owe and alleged debt to XXXX XXXX XXXX XXXX XXXX. The letter included a medical statement which contains the wrong address, wrong name and is not my debt. 

I filling a complaint about this debt collector as they are sending me debt which is inaccurate and have not been able to respond and validate any debt as previously requested
Consumer complaint received 2023-01-08
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. (NJ)

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 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 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 2023-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (PA)

I saw Wells Fargo pulled credit for my name on XX/XX/23. I did not authorize it and didn't know why it was pulled. Today, I received a XXXX XXXX XXXXXXXX XXXX credit card for {$3400.00}, which I never applied. I called Wells Fargo and couldn't get rep on the phone or a fraud department rep on the line. It is saying that I have spent {$2800.00}. I have never even been in a XXXX XXXX XXXX XXXX  store.
Consumer complaint received 2024-03-19
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)

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

Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (NJ)

This is a corporate credit card. They agreed to remove as it was not my fault it wasnt paid as the amount was so large it required executive level sign off. It went on my credit and its not my card its the company card used for corporate travel. I no longer work for the company and it continues to hinder/ruin my credit. 
I have contacted the company and they said they would remove it and have failed to do so. They were reporting it unpaid for the longest time and i had to dispute that as well. The finally marked it paid but refuse to remove it after stating they would.
Consumer complaint received 2020-08-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Bread Financial Holdings, Inc. (FL)

Applied for a line of credit from Comenity Capital Bank issued for XXXX XXXX ; first my credit score is higher then stated on the denial letter ( XX/XX/XXXX ). I check my report daily. My next door neighbor got approved through this same banking industry a few months ago and I was denied and we are almost equal on our credit reports. I know because I viewed her report with my own eyes before I applied for my line of credit. Even my salary is a bite higher then hers. I know because I am coworker ( XXXX XXXX XXXX ), she started XXXX, I started in XXXX. The only thing that is different is RACE. She is XXXX  and I am XXXX. 

I have paid of cars, credit cards, and other loans not posted on the Credit reports. Paid off one or two of them twice because the companies kept selling them off. I have been voting since the age of XXXX and I know people that don't vote or pay taxes credit score higher then mine. The scoring system is out dated and need to be revamped. For hard working citizens like myself.
Consumer complaint received 2023-06-30
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. (SC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2020-10-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS Resources has failed to comply with Fair Debt Collection Practices Act, 15USC 1692g Sec.809 ( b ) and should be penalized by false statements to CFPB. No letters were ever sent to my consistent dwelling of 6 years, there was a data breach publicized due to XXXX  XXXX negligence during the period in question and this 3rd party collection agency has failed to provide any evidence of its response for a verdict to be rendered. I have requested to be provided with copies of any papers that show that I agreed to pay ARS. Prove the statue of limitations has not expired on these accounts. ARS is a licensed medical provider equipped to solicit finance for thus stated services rendered. Provide me with ARS license numbers and registered agent providing statements for VALIDATION made pursuant to the above named Title and section. Im considering a FTC complaint against XXXX  due to failure to comply with laws and statues mentioned.
Consumer complaint received 2020-10-02
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. (NJ)

On XX/XX/XXXX, after pulling my credit report I found out several accounts that did not belong to me, about a month later, I started disputing the incorrect info and after a few months I was able to get them remove. 

Unfortunately, the little issue that I currently have is that, there are two late payments  showing on my mortgage account that are not right, I was never late on that account. The late payments were allegedly made on XXXX and XX/XX/XXXX, so I am submitting a complaint thru this site, expecting to get this issue solved.
Consumer complaint received 2020-10-02
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. (NJ)

On XX/XX/XXXX, after pulling my credit report I found out several accounts that did not belong to me, about a month later, I started disputing the incorrect info and after a few months I was able to get them remove. 

Unfortunately, the little issue that I currently have is that, there are two late payments showing on my mortgage account that are not right, I was never late on that account. The late payments were allegedly made on XXXX and XX/XX/XXXX, so I am submitting a complaint thru this site, expecting to get this issue solved.
Consumer complaint received 2023-01-08
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. (NJ)

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.

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 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  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 2020-08-06
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXXXXXX {$510.00} XXXX XXXX XXXXXXXX {$500.00} XXXX XXXX XXXX {$78.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX {$820.00} XXXX XXXXXXXX {$630.00} XXXX   XXXX {$500.00} XXXX XXXXXXXX {$650.00}
Consumer complaint received 2020-10-02
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. (MI)

Theres two XXXX  XXXX. I HAD ONE. Its impossible to have two. The dates dont add up. The open date on one and late payments on other at the same time. I dont know whos is in my report but its unacceptable. This is a major violation. Ive filed MULTIPLE complaints and disputes. They will not listen. XXXX  deleted it! Please these are not both mine. I had ONE! Im taking legal recourse if this isnt resolved in 30 days.
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP ()

Company - US Bank Reliacard Issue - Account was locked out without notice at the end of XX/XX/2020. At this time, there is no access to any PUA money that was dispersed to the account via online, transfers, ATM, etc. 

35 phone calls have been made to US Bank Relicard, each time with a different answer and excessive wait times. The requested information ( proof of identity ) has been faxed to US Bank Relicard 4 times, each time to a different number as provided by customer service. No one ever has an answer other than " check in 4-6 business days ''. Then when you call back, they request the proof of identity to be faxed again. 

Over 7 weeks have gone by with no access to PA PUA Funds.
Consumer complaint received 2020-10-02
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. (MI)

Theres two XXXX XXXX. I HAD ONE. Its impossible to have two. The dates dont add up. The open date on one and late payments on other at the same time. I dont know whos is in my report but its unacceptable. This is a major violation. Ive filed MULTIPLE complaints and disputes. They will not listen. XXXX  deleted it! Please these are not both mine. I had ONE! Im taking legal recourse if this isnt resolved in 30 days.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I enrolled to transunionplus.com for credit disputes and my credit score.when I got into the credit report my 2 disputes in the trans union credit report were deleted.Well, XXXX was but XXXX wasn't or if it was it was immediately put back on my credit report at trans union.I  selected by mistake a option 3d for 3 bureau scores on transunionplus.gov combined into 1 score from all 3 credit reporting agencies.sorry, transunion is only supposed to provide a score from their trans union.bad software trickery window there.so my score was XXXX and after the 3d score option my score went to XXXX? that means the end for me.my XXXX per month.fee for joining trans union flushed down the toilet.Eh.3 combined. Credit bureaus making a total of the scores of all 3 credit reporting agencies divided by 3.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX. XXXX XXXX. XXXX XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 2020-10-02
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: ERC (TX)

The company by the name of Enhanced Recovery added information to my report that included account information from another state. After calling to try and resolve this issue numerous times, the company continuously added the information to my report over and over after i worked so hard on my report. The account clearly was fraud and the company only seem to care about adding it to the credit report of anyone to try and collect the debt!