davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

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.

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 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

The list of accounts below has violated my federally protected consumer rights to privacy and confidential 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 has violated my rights. 
I looked at my credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible Accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ( I ) modify after any information is found to be inaccurate or incomplete or can not be verified Promptly deleted that item of information from the file of the consumer.
Consumer complaint received 2016-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CCS Financial Services, Inc. (NC)

Also, not enough information to verify debt. This company was submitted this collection by XXXX in XXXX 2014, they are just now reporting. I have contacted all parties involved. CCS is giving me inaccurate information and will not provide me correct information in any form. I never knew I owed this amount and never have received any information until it showed on my credit report today. They show inaccurate coverage of vehicle for the insurance as well. I do n't believe they have any rights to this collection at all.
Consumer complaint received 2024-08-04
Product: Credit reporting 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. (FL)

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-04
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 am honestly coming to agreement that Experian isn't actually reviewing my report. i would never understand how accounts comes back as verified that i never gave signature to or even open any of these accounts. I am kindly asking for this file to erased then updated.
Consumer complaint received 2017-11-09
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. (MD)

I had been applying for a home loan, and my lender told me that my credit report showed two credit card accounts with XXXX XXXX, one of which had outstanding payments due since XX/XX/XXXX. I only have one account with XXXX XXXX, so I called XXXX XXXX about the error on XX/XX/XXXX. On that date, I spoke with XXXX, employee XXXX who determined that XXXX XXXX likely opened a duplicate account as both my current, real account and the improper account had the same application date and parameters. XXXX promised to have this information corrected with all three credit bureaus and to send me a letter confirming the same so I could share with my lending bank. An entire MONTH later, I had received no confirmation or return from XXXX XXXX. I called again and spoke to XXXX employee # XXXX who told me that the first agent had never filed the proper paperwork to remove the erroneous account from my credit history with the credit bureaus. She ensured me that she would file the dispute and all necessary paperwork and fax me a letter saying the same. By XX/XX/XXXX, I still had not received a letter or any confirmation or update so I called XXXX XXXX again. This time, I spoke with XXXX employee # XXXX who stated that she could not provide a status update on my account and would have to investigate further. After 5 weeks of delay and XXXX XXXX not correcting its error, I am left with no option but to seek assistance from the XXXX.
Consumer complaint received 2024-09-29
Product: Credit reporting 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. (FL)

Dear XXXX or Equifax This XXXXs Information on my consumer report that is a result of fraudulent activity. I want to remove fraudulent hard inquiries from credit report : I was shopping for a car, they just asked for my driver license and social security number to see what I can be pre-approved for, I can not recall I did if I did a hard inquiry, I did not provide written permission or instructions for the identified inquiries to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to request to block the identified inquiries. The identified inquiries are not information related to any transaction made by me as the consumer : 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 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 XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One advertises in their prospectus filing with SEC a firm offer of credit for note holders. I submitted an application regarding their prospectus, ultimately tendering an asset backed security. Capital one has been trading this security on the secondary market and promised me as the Investor a percentage of interest in the form of monthly dividend payments. Capital One never fully disclosed how I should properly redeem my payment and got mad at me for inquiring about my investment. Capital One proceeded to close my account. they states=d due to delinquency or " some other reason '' that they charged off this account. They stated that the account is permanently closed and the credit line is unavailable. they also stated that i wont accrue more interest or any past due fees and that i am still required to pay off outstanding balance. How do I owe a balance when Capital One promised me a percentage of interest from the trading of my note. Not only did they not fulfill their promised performance they also closed my account with no lawful explanation causing me grave damage and inconvenience. Furthermore, obligating the public to pay a debt of a bank or corporation is illegal and goes against public policy ( HJR 192 of June 5th, 1933 ( Public Law 73-10 HJR-198 48 stat ).
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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 Number : XXXX : Account XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXXXXXX XX/XX/XXXX 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 2017-03-11
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I have an auto loan with USAA and I chose auto pay and the payments began to default. I was unaware of this. USAA sid they sent out mail but I never received it as i have not been home. I have n't received ANY phone calls. Not one. I was notified by XXXX that my car payment went up and my credit report went down XXXX points. USAA claim to work in the XXXX favor. How is this working in my favor or best interest. My credit is being ruined by the very people that exist because I do. I was charged XXXX dollar late fees and my XXXX credit score ruined. When i called I spoke with 6 different departments in 2 days ( transfered ) and no one was willing to help. That is why I asked for a supervisor. No one is willing to remove the derogatory information reported on my credit report. Again no one tried to call me. Where does the Sailor Soldiers Relief Act come in to play? They do n't k ow if i was deployed or not. They did n't even try to find out either. They did the same thing when they denied my VA loan stating that i did n't fit criteria because i was n't going to occupy the residence within 60 days BUT for and active duty member it 's occupy within 6 months. Well my credit report was effected then too. I missed the house and my credit took a hit because they denied the loan and chose not to listen or research the information they were giving out. When i called and corrected them i received an apology and was told to reapply. The damage was already done. This is negligence and no consideration at all. Hassle free has been nothing but a hassle the past 365 days. Losing trust bad. They to nothing and do n't try and assist after the mistake was pointed out.
Consumer complaint received 2017-11-09
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: AMERICAN EXPRESS COMPANY (GA)

XXXX-Apparently someone has opened an account in my name and was paying them. But it was not me I have never had a account with XXXX XXXX. I am a victim of Identity theft AMERICAN EXPRESS SERVE- I HAD FUNDS TAKEN OUT OF MY ACCOUNT THAT WAS NOT AUTHORIZED BY ME. {$320.00} WAS TAKEN FROM MY ACCOUNT THAT WAS NOT AUTHORIZED
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I am writing to request the removal of outdated employment information from my credit report. Specifically, I would like to dispute the listings of my former employers, ( XXXX ) which does not accurately reflect my current employment status. 
Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c, information that is outdated or no longer relevant should not be reported. Since these employers are no longer applicable to my credit history, I ask that you remove this information promptly. 
Please investigate this matter and update my credit report accordingly. I would appreciate a written confirmation of your actions, along with a copy of my updated report. 
Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

Experian, XXXX XXXX and XXXX are reporting in accurate information on my credit report. This is a formal complaint that they are reporting in accurate and incomplete information on my credit report. The notation of the following late payments is in accurate. Please reach out and verify that all for this account is reporting accurately, including everything. Late fees and date and balances whether reported or not. XXXX XXXX XXXX. I respectfully request to be provided with proof of this alleged items specifically not proof that those payments were in fact late by the provisions of the consumer protection laws. I demanded it failed to do so liking proof of these payments being late please update my panel to late and supply a corrected credit profile to the creditors who have requested a copy of my credit report in the last XXXX months. I also request original contract payment history with the original creditor with my signature on it XXXX XXXX XXXX I am also requesting the description of the procedure used to determine the accuracy of this information. I have read that this must be provided within 15 days. Ive also read that under federal law you have 30 days to complete your investigation. XXXX XXXX XXXX XXXX understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter or you must remove the incorrect information. XXXX XXXX. A consumer reporting agency shall block the reporting of any information in the foul of a consumer that the consumer identifies as information that resulted as a large identity theft no later than XXXX business days after the date of receipt. You are in violation of this law because I am a victim of identity theft please delete these items immediately. Please send me an updated copy of my credit report at the above address. I also need any addresses and phone numbers removed off my credit report other than the address and phone number I provided. XXXX XXXX code XXXX in, also known as the Fair Credit Reporting Act Covers civil liability for willful noncompliance with consumer credit reporting agencies. It states that any person who intentionally. fails to comply with a requirement under the sub chapter in relations to a consumer is liable to that consumer. This liability includes actual damages sustained by the customer. Punitive damage as the court XXXX allow. Or cost of the action together with reasonable attorney fees. Last but definitely not least XXXX code XXXX states that we the consumers are the creditors. Thank you so much for your prompt attention time and help in this manner.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I went here to get a vehicle. After XXXX days of sitting around the dealership ignored and looked over we made a deal for a vehicle. The vehicle had hail damage and it was never disclosed on the website. The sales rep did not disclose this to me either, despite having communication prior to my arrival. The vehicle also had other broken components so they kept the car to fix it. XXXX days later I went to pick up the vehicle. As soon as I get on the highway the check engine light and tire pressure lights come on. I returned the vehicle, within minutes. A few weeks later I get notice from the lender saying I needed to provide insurance on the vehicle. When I call the company they have no record of a return and claim that I am still on the line for the vehicle payment. I called XXXX everyday, XXXX to 4 times a day to speak with someone in finance. I was constantly put on hold or told that someone in finance would call me back. I never spoke to anyone. After calling for a week, I received an email that they notified the bank of the return. At this point the account is listed on my credit report. This company is XXXX  and negligent in their customer service. It is hard to speak to anyone or get any resolution for issues.
Consumer complaint received 2017-03-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

When I got my loan with Fifth Third Bank on XX/XX/XXXX, I was given a coupon book with 180 payments at {$340.00} per month. I made every payment. 

In XX/XX/XXXX, my company downsized due to the recession. I was unemployed until the end of XX/XX/XXXX. During that time, I struggled to make the payments but managed to make every one. If I was late, I paid the late fee indicated on the coupon. Since XX/XX/XXXX, I have been employed regularly and I have made all payments on time or early. 

I called Fifth Third in XX/XX/XXXX to ask for the payoff thinking I owed just a XXXX dollars. I was shocked when they told me I owed {$9000.00}. I asked my former wife to investigate and she tried unsuccessfully to figure out the difference. 

One thing she was told is that the bank had purchased insurance coverage for around {$1200.00} at some point during the loan, but we had coverage on the boat at all times. We took proof of coverage to the Fifth Third branch on XXXX when we were first notified. They were supposed to cancel the insurance. We heard nothing more so we assumed this was done. 

The remaining roughly {$6000.00} difference was explained by the bank as 'simple interest ' but my former wife could not determine where the differences were from the payment records the bank sent her. I ordered a new coupon book expecting to see the new amount. Instead, the coupon book I received on XX/XX/XXXX showed the same payment amount of {$34000.00} and the same number of coupons remaining. 

I counted down the months to my final payment. On XX/XX/XXXX I proudly wrote a check for my final payment with the notation on the check " paid in full ''. It was a happy day. However, on XX/XX/XXXX, I received a letter from XXXX Fifth Third saying I still owed {$6600.00}. 

Throughout my loan, I never received monthly statements from Fifth Third showing the outstanding balance. I thought my outstanding coupons represented the total amount I owed. If this was simple interest, why was I given a coupon book showing my payment ending XX/XX/XXXX and not a monthly statement like my simple interest Visa card does? 

This is unfair and deceptive. I never knew until I called about the payoff that I was getting off track. Not one letter from Fifth Third or one statement balance was received from Fifth Third during the fifteen years that I had the loan. I asked for a new coupon book after the payoff request I made, and I was given another misleading coupon book. Now after fifteen years of payments, I am being told I have to pay them {$6600.00} by XX/XX/XXXX. Can you help us resolve this matter?
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK (AR)

I have opened a First Horizon Biz essentials checking account on XX/XX/year> in brach using a promo code of {$800.00}. I have completed all the conditions of promotion on XX/XX/year> but the promo amount of {$800.00} has not yet been deposited by the bank. I have been in touch with the banker XXXX who helped me open the account and applied the promotion and she has escalated this matter to the research team. Its been more than a month following up for this but the same is not getting resolved