davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

The below complaint was submitted several months ago, additional time requested before Capital One rep ( s ) chose to turn around, mark it as duplicate when it is not... Complaint was resubmitted, in which case, same behavior, additional time requested to reply before turning around, marking it as duplicate..I request CFPB look into this behavior and matter itself, take whatever action is necessary against Capital One ... As explained in numerous prior CFPB complaints, a Capital One 360 closeout check was intercepted, cashed by a third party while away on vacation in 2018. Capital One reps placed a stop payment on a prior check in error, reissued a second check, sent via XXXX which was intercepted by a third party.. When brought to attention of Capital One, their rep, XXXX XXXX, attempted to imply the person whom cashed check is related, which is irrelevant, signature was forged and person ( s ) whom forged check did not have consent or authorization to sign my nameXXXX XXXX failed XXXX send affidavit, had it been sent at the time, this matter would have been resolved, this is an error on end of Capital One which they will not admit to.. An affidavit was sent several years later, closed out in error, reps by the name of XXXX and XXXX refuse to reissue XXXX. The cashing bank, XXXX XXXX, requested a new affidavit which both reps, XXXX and XXXX refuse to reissue as stated prior. The most recent rep replying on behalf of Capital One, XXXX, apparently also refuses to reissue, refers back to statement made prior stating funds were obtained from person whom cashed check, in which case, the check provided to me did not clear which was explained in prior CFPB complaints ... Further, the person whom issued check is nowhere to be found in which case, a new affidavit would need to be reissued or replacement check sent from Capital One.. In closing, from past experience, Capial One reps do not accept or return calls ... .. XXXX left a number to reach out in which case, I've already left messages, a total of seven, prior for a XXXX XXXX XXXX none of which were returned ... XXXX XXXX with XXXX XXXX Bank XXXX cashing bank, requested a new affidavit which Capital One reps refuse to reissue ... Complaints marked as duplicate will be resubmitted, sent to other agencies for investigation.
Consumer complaint received 2022-08-08
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: Experian Information Solutions Inc. (TX)

This consumer complaint is in regards to willful noncompliance with Experian 's Data Sharing Policy and Federal Regulations. As of XX/XX/XXXX the consumer reached out to Experian, Complaint number : XXXX, in regards to a dispute which was being made for the accounts XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX as well as XXXX XXXX XX/XX/XXXX. After filing this complaint, the consumer received correspondence from Experian showing that the accounts remained, and were accurate. As of XX/XX/XXXX the consumer reached out to Experian, Complaint number : XXXX, in regards to the consumer not being satisfied with the results of the investigation, the consumer then requested proof of the investigation which took place proving this account to be accurate. The consumer then received a notice from Experian on XX/XX/XXXX stating that Experian would need a little more time to respond. As of today, XX/XX/XXXX XXXX days after submission of the complaint, the consumer has not received correspondence from Experian in regards to the complaint number, XXXX. On today, XX/XX/XXXX, the consumer then made a phone call to XXXX, an agent of Experian in the Dispute department with badge number XXXX, who was not able to address the consumers concerns and used false and misleading information by addressing Experian as a " Credit Bureau. '' The consumer then addressed Experian 's Data Sharing Policy and requested proof of the consent which Experian requires to share personal information, Experian was unable to provide it. The Agent of Experian, XXXX, then transferred the consumer to XXXX, an Agent of Experian in Membership in regards to the proof of consent, furthermore no consent was provided, or able to be located in the file for the the consumer. Should the consumer 's issues go unaddressed, the consumer will seek litigation.
Consumer complaint received 2023-06-21
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: Ability Recovery Services, LLC (SC)

There are numerous items on my credit report that arent mine. Ive contacted the hospitals and they dont have the records Ive disputed the claims but they are still on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I have an auto loan ( as well as other products ) with USAA and have been a longtime customer. My auto loan includes a .5 % APR discount for having automatic payments set up. I recently needed to change checking accounts to a new bank, and when I tried to change the payment account for my auto loan with USAA on their website, I received a message that the functionality was not available. I then called their support line and was told that customers we not able to modify existing automatic payment settings or create new automatic payment plans. Which means I can not modify my existing automatic payments ( and continue to receive the rate discount I'm entitled to ), nor can I cancel my existing automatic payment plan and create a new one ( and maintain the discount ). My only option is to cancel my existing automatic payment plan and then make manual, monthly payments for the remainder of the loan term - and receiving an effective .5 % APR increase as a result.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

With respect to XXXX XXXX : 15 U.S. Code 1681, being a consumer, am entitled to an accurate and complete consumer report. According to my consumer report generated on XX/XX/2023, there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. 
Within 30 days from receipt of this letter, insured and tracked by USPS, the following information needs to be omitted. Please note upon completion of the request, a new updated copy of my consumer report should be mailed to the mailing address : XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. 
Omit the following names as my TRUE name can be verified on my supporting identification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Omit the following inaccurate addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PA XXXX Omit the following telephone numbers as none are listed at a public record and I have not consented to its recording : 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  Omit the following employers. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (WV)

On XX/XX/XXXX, there was an accident insurance claim filed with our insurance company. Around XX/XX/XXXX, or so there was an insurance check sent for the damages to my XXXX XXXXXXXX XXXX XXXX in the name of my husband and Santander Consumer Finance. We were told to send to them and then it would be sent back to us so our car would get fixed. Today is XX/XX/XXXX, my car never got fixed. We compiled with everything Santander ask from us. They wanted estimates from both the insurance company and the body shop. We got them that. They also ask for some form called a XXXX from the body shop ; as far as I knew they receive that also. My husband called them several times to complain and got know except excuses and the check was still in the account department. I call them today and they tell me that its past the date of the claim to be opened and they never received a final invoice that the car was fixed or the XXXX. How was I supposed to get my car fixed when they had my check? And the estimate was actually {$6500.00} in damages. Ive never been to a body shop where they do work with out an insurance check first. They took my insurance check and put it on my car loan and my husband never even signed the check. Hows that legal. And my car not fixed
Consumer complaint received 2022-08-04
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. (CA)

In accordance with the Fair Credit Reporting act, my rights have violate by the following : 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 15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-30
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. (OH)

XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX  XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon the consumer report being fair and accurate. Reviewing my consumer report I discovered that my report is reporting inaccuracies, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished. And I was never notified when during your companies initial investigation that this was going to report this information pursuant to 15 USC 1681 ( a ) ( 1 ) this grave error has undermined my confidence and trust in your companies. 

I've already reached out to the companies and the credit bureaus to inform them of the errors made. have given ample time for the credit bureaus to properly investigate and they seem to refuse to justify my consumer rights.
Consumer complaint received 2022-08-08
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: Thaxton Investment Corporation (SC)

Quick Credit- was violating Part 15.9 of the FCC to solicit illegal lending opportunities outside of federal guidelines and misusing illegally obtained personal data to do so. Targets subprime would-be borrowers through illegal means of obtaining information including violating privacy laws and spying on those they would solicit to.
Consumer complaint received 2023-11-14
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-08-26
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. (PA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-08-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A. (TX)

* XXXX was notified of maturing PNC heloc note on or about XX/XX/XXXX. I was unaware that the note was a 15 year vs 30 years. 
* I also received a Refi notice/option by mail from PNC a couple of days prior to the loan maturing email. 
* I contacted PNC Refi on XX/XX/XXXX, specifically noting the need to Refi the expiring loan. I provided the Refi CSR the maturing loan number that matured on XX/XX/XXXX. 
* Apparently no one from the Refi Dept alerted the Loan Dept of the ongoing application for refi, as I found that no payment was taken by auto draft on XX/XX/XXXX as expected. 
* I called the Loan Dept on XX/XX/XXXX and provided them with the information/CSRs involved in the refi, and requested how to handle the loan payments until the refi closed. 
* CSR noted I should make my " regular '' payment amount until the loan closed, and took my payment over the phone. 
* That was apparently not the exact protocol. These incorrect instruction provided by the CSR on XX/XX/XXXX have led to a complete fiasco ( as is my ongoing refi ), and subsequently caused PNC to report " late payments '', although all payment been made thru XX/XX/XXXX as instructed by a PNC representative. 
* Attached documents explain in detail
Consumer complaint received 2022-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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
Consumer complaint received 2024-10-23
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 was completely shocked this morning to see inaccurate accounts suddenly appear on my credit report, and I have no idea why. I check my credit report regularly, and this time, out of nowhere, there were mistakes. I even tried refreshing my browser, thinking it was a glitch, but nothing changed. The errors remained. This situation is very frustrating, and I really hope the documents I've sent will be thoroughly reviewed so that I never have to deal with this again.
Consumer complaint received 2023-03-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter in regards to the following accounts which are showing up on my credit report : XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX XXXX  XXXX Charge Off Account, XXXX  XXXX XXXX Charge Off Account, XXXX  XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Collection Account, XXXX XXXX  XXXX XXXX Collection Account XXXX XXXX XXXX XXXX  XXXX Collection Account, XXXX XXXX XXXX Collection Account, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account, XXXXXXXX XXXX XXXX XXXXXXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX Collection Account, Medical  XXXX Collection Account, and Medical XXXX Collection Account. 

I am disputing the accuracy of these accounts on my credit report as I believe they violate several laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Furthermore, I do not recall any outstanding debts associated with the above accounts. Additionally, the addresses listed on some of these accounts are not my current or previous addresses, further raising concerns about the accuracy of these accounts. 

I urge you to investigate these accounts and provide me with a detailed report of your findings. If you are unable to prove the accuracy of these accounts, I request that you remove them from my credit report immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-26
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. (FL)

This account is Charged off from XXXX XXXX XXXX which was then sold to XXXX XXXX  XXXX which is a violation of my rights I never gave any written consent for this to occur this is identity Theft. The creditor has sold/furnished my debt and is now negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

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 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations
Consumer complaint received 2022-06-25
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 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 an account without my written instructions.

15 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.