davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (FL)

For nine ( 9 ) years I have been fighting with Honda Financial Services to send me the title to my XXXX XXXX. I leased the car in XX/XX/XXXX. When the lease was up after 3 years, instead of trading it in, I opted to buy the car. In XX/XX/XXXX, I paid off the car. 
Since then, I have tried numerous times to obtain my title. I have sent back the odometer statements all to no avail. 
In XX/XX/XXXX, HFS attempted to bill me for registration in VA even though 1 ) my loan was paid in full, and 2 ) my car was registered in FL for over a full year at that point.

I faxed them asking AGAIN for my title and to have them remove the charges they erroneously billed me. Still no title. 
I have sent multiple odometer statements. No title. I have tried the DMV, mytitle, no luck.

I held up my end of the bargain. Why cant Honda do the same?
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I WAS LOOKING OVER MY REPORT AND I NOTICED ADDRESS AND PHONE NUMBERS ARE NOT MINES/ NOT ACCURATE, PLEASE REMOVE THE FOLLOWING ITEMS. 
XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-07-30
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. (FL)

XXXX XXXX XXXX XXXX XXXX reported as charge off with balance but 3 credit bureaus report different credit limits! XXXX XXXX reported as charge off when In fact I was never late.. I paid the account on time until I was able to fully paid them. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Credit Bureaus violated federal law by not properly investigating within the required time frame
Consumer complaint received 2022-02-22
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. (IL)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments from XXXX
Consumer complaint received 2021-06-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Monterey Financial Services LLC (FL)

Thought I was financing {$2.00} XXXX, but later found out that it was a lease and payoff is {$6300.00} for a {$2600.00} puppy
Consumer complaint received 2022-02-22
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. (IL)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments from XXXX
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (KS)

I have been contacted by " COLUMBIA DEBT RECOVERY LLC DBA GENESIS '' about an alleged unpaid debt to an apartment complex. I have begun disputing the claim, however the debt collector is informing me of a 10 % per annum interest rate. Regardless of the validity of the debt, the initial account was NOT an interest-bearing account, as it was a lease agreement. My first communication to Columbia Debt Recovery included language stating that their attempt to apply interest to a non-interest bearing account was a violation of the FDCPA and requested that they cease attempts to collect extralegal amounts. The subsequent response from Columbia Debt Recovery made no acknowledgment of my statement and continues to include the interest that is being applied outside any terms of my contract with the initial account-holder.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX shut my deceased spouse account without notifying me. I couldnt use automatic payment. I was the authorized user before he died. XXXX put a bad charge against my credit bc it claimed I didnt pay the debt. Because of his I have a bed credit. Unable to apply for XXXX credit card. They claim to fix it but it will take up to 60 days. This is. It not acceptable When I called in wells said I was supposed to call and follow up after my husband died! What!,
Consumer complaint received 2022-01-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLIANT CREDIT UNION (MA)

Alliant Credit Union will not refund me GAP insurance refund when my car is paid off. 

XX/XX/XXXX : I purchased the vehicle and financed through the XXXX XXXX XXXX with GAP on the loan. Amount Financed : {$28000.00} XX/XX/XXXX : I refinanced the vehicle through Alliant Credit Union. The XXXX XXXX XXXX gave me the GAP refunds of unused premiums that I was entitled to receive, No problem. Amount Financed : {$27000.00} including the new GAP on Alliant Credit Union Auto Loan. 
XX/XX/XXXX : I refinanced the vehicle through XXXX XXXX XXXX but Alliant Credit Union refuses to give me pro-rated refund for the GAP. The payoff quote for {$25000.00} from Alliant Credit Union was not reduced by any refunds of unused premiums that I am entitled to receive. I called Alliant Credit Union multiple times to obtain the GAP pro-rated refund since I paid off my loan early/refinance but Alliant Credit Union still insists on stating that the GAP is non-refundable regardless of the fact that the loan is paid off early. Alliant Credit Union Loan Department doesn't reply to my emails.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Before the XXXX I had lost my card and sometime after a person was able to log into my account and deposit unauthorized checks into my account. I hadn't noticed till a few days later due to being extremely sick. I had notified the bank the following Wednesday of the issue they told me they would look into. They determined due to the checks being deposited in my area it was my fault. Now I'm stuck with a negative XXXX balance on my account about to lose my insurance.
Consumer complaint received 2021-06-11
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. (GA)

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate XXXX {$310.00} XXXX {$480.00} XXXX {$370.00} I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I had disputed with XXXX XXXXXXXX XXXX XXXX that they had indicated that I had opened up my credit card in XX/XX/XXXX I just got back the dispute stating that it was valid Ive called XXXX XXXX XXXX XXXX today and I was advised I opened up the account with Capital One on XX/XX/XXXX of XXXX the account charged off on XX/XX/XXXX of XXXX. XXXX XXXX XXXX XXXX purchased the debt on XXXX XXXX. The response back to me it stated they will remove this in XX/XX/XXXX. I lived in Arizona when the account was opened/closed. The STATUE OF LIMITATIONS is 6 years. When I spoke to someone at XXXX XXXX today I did ask them to send me proof of Validation of debt. They are reporting an incorrect date that this account was OPENED. I havent made any Payments on this account to start the clock over.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, US dept of ed Account # XXXX, US Dept of ED Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, US DEPT OF ED Account # XXXX, US DEPT OF ED Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX # has violated my rights. 

XXXX5 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 2022-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I.C. System INC has falsely reported to the credit bureaus that I have a debt collection owed of {$2400.00} from the original creditor XXXX  which is in accurate. I have never done business with this company and appears to be a case of fraud which is adversely affecting me. I do not appreciate being targeted for debt that I do not owe and have never done business with this company.
Consumer complaint received 2022-02-22
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. (TX)

I am victim of identity theft and Bank of America Account XXXX XXXX XXXX XXXX was disputed in 2014 and wrongly reported and XXXX is supporting XXXX  and take money from XXXX and ignore consumer and there Rights Need to be deleted as following information is wrong : Date of First delinquency is XX/XX/XXXX. 2014 Account status is paid off Balance not correct Available Credit is 0 Date of last payment is wrong Paid in full with on condition to delete account
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

in accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account 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
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (PA)

CC CB/VICSCRT XXXX XX/XX/XXXX {$1000.00} XXXX  XXXX XXXX XX/XX/XXXX {$390.00} XXXX/XXXX  XXXX XX/XX/XXXX {$730.00} XXXX  XXXX XXXX XX/XX/XXXX {$810.00} other XXXX XXXX XXXX XXXX {$1700.00}
Consumer complaint received 2022-02-22
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. (MI)

in accordance with the Fair Credit Reporting Act XXXX XXXX BANK, 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 2021-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (VA)

Two claims were sent on my behalf with regard to debt validation for NAVY FEDERAL CREDIT UNION for a balance of XXXX dollars. Each time I did not receive the requested documents to validate the debt in question. I am still receiving phone calls, but have yet to see documentation to validate that there is or ever was a contract between me ( XXXX XXXX XXXX and NAVY FEDERAL CREDIT UNION ), and proof that the debt was not paid with my wet ink signature.
Consumer complaint received 2018-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ideal Collection Services, Inc. (NJ)

Hello. I currently have a collections debt showing up on my credit report from Ideal Collection Service for the amount of {$2800.00}. From my knowledge this was a lease break fee from when I lived with my ex fiance in XX/XX/XXXX XXXX XXXX in XXXX XXXX XXXX XXXX FL. OnXX/XX/XXXXthis collections amount was made. I never received any notification that anything was owed or I was in any type of wrong. I feel as if I should be given some sort of hardship break. As I try to make sense of my collection amount I wanted to see out of good faith if you were able to remove this off of my credit report. At the time I was going through a very hard break up with my ex wife and was forced to move as I could not afford the rent. I am currently getting back on my feet and plan to catch up with everything. 

Thank you for your time
Consumer complaint received 2022-02-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT 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 ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (PA)

Navy FTU opened XX/XX/2015 showing as charge-off This account is fully paid off and false and misleading representation and no obligation of mines 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove .This is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f
Consumer complaint received 2022-02-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NV)

On XX/XX/2021 {$2500.00} dollars were stolen from my account at COINBASE.COM I called the company immediately but they never answer and only communicate via email, they have no security or protection and guarantees for investors they do not want to accept any responsibility. And they say that when an unauthorized transaction is made it is irreversible
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (IN)

After I make the monthly payment, interest charge for purchases and interest charge for cash advances are charged to my account. I am debited with these charges, after I make a payment on my account as if I have made additional purchases, and cash advances ( since the last payment ) from my account when I have not.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (TX)

I have been disputing the late payments showing on my account for IC SYSTEM which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Consumer complaint received 2021-06-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: POPULAR BANK ()

Case Number - XXXX. 
Please refer to the case number shown above. I understand that this has been closed. 
However, although one of the banks, XXXX XXXX, has done their best to assist and actually provided me with new information, e.g. a copy of the check sent by them and contacted the Popular Community Bank, they hit the same brick wall I have been hitting. This bank refuses to assist or investigate the issue claiming the account holder 's security. 
As previously stated, the check has to date, not been credited to the correct payee, XXXX XXXX XXXX From the information received from XXXX XXXX XXXX the check seems to have been credited directly to a Popular Community Bank account! Due to the time difference, it is difficult to discuss the issue by telephone from XXXX XXXX. In any case, the PCB has not been helpful in investigating this issue and even refused to investigate when Ms. XXXX XXXX the accountant at XXXX with I dealt with contacted them, again claiming customer protection. I respectfully request that you contact the PCB and on my behalf demand a thorough investigation on this issue, recover the {$2000.00} from the account to which it was credited and refund the same amount to my account at XXXX XXXX. No more, no less. I am a pensioner with low earnings and I want my money back.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.