davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear CAP ONE AUTO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the California Consumer Credit Reporting Agencies Act ( CCCRAA ) under California Civil Code Section 1785.20.5, and identity fraud laws, specifically California Penal Code Section 530.5.

It has unequivocally come to my attention that CAP ONE AUTO has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, California state law, specifically California Civil Code Section 1785.20.5 of the CCCRAA, emphasizes the necessity of consumer consent for credit reporting. Furthermore, California Penal Code Section 530.5 underscores the severity of unauthorized access and misuse of personal information, which is classified as identity theft under California law.

I assert with unwavering certainty that I have not provided consent for CAP ONE AUTO to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that CAP ONE AUTO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and California Civil Code Section 1785.20.5 of the CCCRAA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, California state law, and identity theft laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that CAP ONE AUTO will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Consumer complaint received 2024-09-05
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: VW Credit, Inc (CA)

VW Credit XXXX # XXXX lease ended in XX/XX/XXXX paid off on XX/XX/XXXX title never was issued I had attempted to get title many times and was verbally promised that will be mailed to me soon. 

On XX/XX/XXXX after 3 years I inquired the same, and was told they don't have the odometer reading and a signed bill of sale. 
I was told they would send me the forms, never did. 
then I had asked for fax, but since then XX/XX/XXXX I had faxed them over 9 times with no success. 
I sold the car XXXX, but not getting paid until I get my title.
Consumer complaint received 2024-09-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (IL)

Hi this is XXXX XXXX, On XX/XX/XXXX at XXXX XXXX, I went to the chase bank ( XXXX XXXX XXXX XXXX, XXXX, IL ), I want to deposit money at this bank 's ATM. Before I deposited money, there was nothing wrong on the ATM screen. It showed that everything was normal. Then I started to deposit money. I put my XXXX XXXX dollars in. I waited for about thirty seconds and the machine issued a receipt, but my money did not appear in my account. As the atm shows there is a problem. Then I started calling customer service ( XXXX ), but the Chase staff kept dragging me away and wouldn't give me money. At first, they said I would have to wait two working days, but later they told me to wait until XX/XX/XXXX, which is twelve working days. I really need this money now! Please help me!! thank you so much! 

The last four digits of the debit card XXXX XXXX XXXX XXXX XXXXXXXX Term ID : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-12
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. (MN)

In accordance with the Fair Credit Reporting and 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 15 U.S.C 1681 section 602.A . States I have a right to privacy.

15 U.S.C. 1681 section 604.A. Section 2 : A consumer reporting agency can not furnish account without written instructions.
Consumer complaint received 2024-09-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mn XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
Sincerely XXXX XXXX
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (MN)

Got notice from US Bank that all our accounts were put on hold and would be closed by the bank. 
There was NO prior notice. 
Bank would not give us reason for accounts being closed. This was our primary saving, checking and credit card accounts leaving us with little to now way of managing our day to day financial obligations. ( buying food, paying bills etc. ). 
Our only option was to close out the accounts that we have had with USBank for 40 years for my wife and 30 plus years as a joint account. 
Now we are scrambling to figure out our banking and how we are going to pay bills, get paid by our employers etc... 
We had a deposit yesterday that they would not release back to us. Basically saying we had to either wait a month to get back the physical check or request the payee issue us a new check. 
We called multiple numbers for US bank fraud, customer verifications, and went to two separate US Bank locations with no help at all. The only think they said was US Bank was discontinuing its business relationship with my Wife as a customer immediately ( But not me ) This is unacceptable.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-05
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (CA)

We try to submit a modification packet every month but the bank continues to decline by asking for a XXXX  months profit and loss statement which we provide every time. It seems like they simply don't want to modify the loan. All of the requested conditions by the bank were met by us and we update the packet every month, and all they do is look for reasons to declined
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I sent in a 2 request for the Credit bureaus to investigate inaccuracies on items on my credit report and they did. They stated everything was verified and accurate. I did thorough research myself and found inaccuracies on my report even after they did 2 investigations.

Inaccuracies : Date opened High Credit Credit limit Last Reported Date Last Active Date of Last payment In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2024-08-27
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. (OH)

Transunion I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


XXXX XXXX XXXX  XX/XX/XXXX {$1500.00} XXXX XXXX  XX/XX/XXXX {$1500.00} XXXX  XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX  {$15000.00} XX/XX/XXXX XXXX
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NC)

Citibank keeps saying they can not close my card because my security question 's answer is not correct. The security question is my mother 's maiden name, so the answer must be correct. The customer representative asked me to go to a branch to close it, which is XXXX XXXX  miles away. My checking account number is XXXX, there is XXXX balance on it. The reason I want to close the account is they charged me XXXX dollar monthly fee even I fulfill their requirement to waive the monthly fee.
Consumer complaint received 2024-08-27
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. (TX)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rosebud Economic Development Corporation (IN)

I went to XXXX  from XX/XX/XXXX to XX/XX/XXXX. I seen on my credit report that was a collection of {$1400.00} from a collection agency named XXXX XXXX XXXX XXXX account # XXXX. The original creditor is Zocloans. I reached out to them and told them I never took out a loan from that creditor. I don't even know that company at all. So I went on line and disputed it and it come back and said that the name and the I formation was correct. I want it off my credit report. I was in XXXX  at that time. I can send in my XXXX XXXX  papers. Please help me. Thanks XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (WA)

I made a payment to a closed Chase Visa account XX/XX/year> by mistake. The payment was made through XXXX XXXX XXXX. I didn't find the error until XX/XX/year>. Now, after many calls to Chase Visa, and XXXX, and a trip to Chase Bank. It's now several months later XX/XX/year> the money hasn't been returned.
Consumer complaint received 2023-09-19
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: Experian Information Solutions Inc. (CA)

In XX/XX/XXXXXXXX  I rented an old XXXX XXXX from XXXX XXXX XXXX XXXX and returned it with a damage on the windshield about the size of a dime. The car rental then charged me {$450.00}. I agreed to pay the damage through my credit card that I used to rent the car. The credit card policy states that rented car damage ( s ) is covered when I use the credit card for car rent payment. So it's up to the credit card to approve the claim by XXXX XXXXXXXX XXXX XXXX. But XXXX XXXX XXXX  XXXX and its collector XXXX XXXX XXXX asked me to pay for the claimed damage. As in an accident, parties exchange insurance information by which damage will be claimed and processed by insurance companies. XXXX XXXX XXXX  XXXX did not follow the calim procedure and proceeded the collection through its XXXX XXXX XXXX  that the original amount {$450.00} was then increased to {$1600.00}. They then sent the collection to report agencies to damage my credit. I disputed the report 's inaccuracy and malice which Experian removed it for about a year but then reports the negative collection again. I recently called Experian to remove it mentioning that it was removed before and by Code of Civil Procedure 337, the report violated state of limitation. CCP 337 sets the limitation of collection report to 4 years with the clock starting to tick as soon as " you '' miss a payment. As in the email, the amount was tranferred to collection on XX/XX/XXXXXXXX  and reported XX/XX/XXXX. So by the 4-year limitation the collection and its negative report should be stopped on XX/XX/XXXXXXXX  or XX/XX/XXXX. But Experian report shows that it stays until XX/XX/XXXX. That is unlawful act by CCP 337.
Consumer complaint received 2024-10-02
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (FL)

I contacted Freedom Debt Relief ( FDR ) from an ad I saw on XXXX, in XX/XX/XXXX because of the credit card debt I had. I spoke to XXXX XXXX. After a few days, XXXX XXXX informed me my credit card debt totaled {$27000.00}. I was directed to set up automatic payments from my bank account to be sent to XXXX XXXX XXXX, a service of XXXX, in XXXX, Oregon. These payments would go into a Dedicated Account they could draw from to disperse payments to the creditors they negotiated with for repayment. From XX/XX/XXXX to XX/XX/XXXX, I paid a total of {$8100.00}. 
I received a letter from XXXX XXXX stating that FDR had paid all my creditors off and now my payments of {$490.00} would be sent to them starting XX/XX/XXXX to repay a loan in the amount of {$16000.00} for XXXX  months ending XXXX/XXXX/XXXX, totaling {$25000.00}. 
I received a letter dated XX/XX/XXXX, that XXXX XXXX will be known as XXXX XXXX XXXX. My bank statements shows starting XX/XX/XXXX, all the money debited from my account has been going to FDR. From XX/XX/XXXX until now I've paid {$19000.00}. 
I can't see how this company calls themselves a credit relief company, when I'll end up paying them more than what I was in debt for originally.
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo continued to have me enrolled me on overdraft coverage, against my wishes, to attempt to continue to rob me. 
I made my account positive right before minute and Wells Fargo authorized a transaction right before midnight so they could charge me another {$35.00}. I have been clear for months to not authorize overdraft fees. 
They said the overdraft standard is automatic and I have to request to remove it. Excuse me? Ive been saying for months I DONT WANT THAT. 

XXXX EST Saturday XX/XX/XXXX. Wells Fargo XXXX refused to Return the overdraft fees while agreeing Wells Fargo should have removed me from this overdraft protection I nevwe authorized. 

They owe me {$70.00} back.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (LA)

I applied for an apartment at XXXX XXXX XXXX XXXXXXXX, after completing the application I was informed it was denied and advised to contact XXXX XXXX XXXX XXXX at XXXX. Whom advised me XXXX XXXX XXXX company is reporting on my report as an apartment lease with a broken agreement. XXXX XXXX XXXX XXXX advised me to contact XXXX. I contacted XXXX and they advised me they don't know what it is reporting as and they can only do a dispute which may not change anything. Reached out to Westlake Portfolio Management about reporting false information on my credit report and they advised me nothing can be done.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX : XXXX S.S.I : XXXX This is the information they should on me instead of 2 wrong S.S.I # 'S AND ADRESS I'VE NEVER LIVED ITS BEEN HAD MY SCORE DRAGGING SLOWLY I'VE STARTED A BUSINESS ABOUT 3YRS AGO AND CANT GET DECENT FUNDING OFFERS SO I FINALLY CHECKED AND THE TAX SAID THAT'S MOSTLY MY PROBLEM PLEASE HELP WITH THIS ON ALL 3 CREDIT BUREAUS ARTICLE 15. USC 1611
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I recently received an updated credit report stating that the information was verified. However, I am concerned about the verification process, especially given the discrepancy with my bankruptcy filing. 
Detail how the investigation was conducted, including who you contacted at XXXX XXXX XXXX XXXX XXXXXXXX and their contact information. 
As of today, my credit report still shows the presence of a bankruptcy that has been discharged. However, the fact that it is still being reported is questionable, as I never signed or gave my authorization for this information to be published on my report. To my understanding, this information should not be present in my report. 

Bankruptcy Details : Date Filed/Reported : XX/XX/XXXX Reference Number : XXXX Closing Date : XX/XX/XXXX During my investigations, I found that this data should not be displayed on my credit report without my consent, violating 15 USC 1681g , which mandates that consumers have the right to request and obtain all information in their file. Furthermore, I question the procedures used to report this information, as courts are not permitted to provide these details for commercial purposes. The reporting of a bankruptcy indicates that the court or entity in question disclosed this information without my permission. I disputed this matter but did not receive a response from either the credit bureaus or the court, leaving me with this complaint as my only alternative to resolve the situation.
Consumer complaint received 2024-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/year> at XXXX XXXX.I used XXXX XXXX  ATM to withdraw {$400.00} at XXXX. XXXX XXXX XXXX XXXX NJ XXXX ( They have the video but will not release it to me ) ATM didn't dispense the money but issued receipt. Immediately contacted XXXXXXXX XXXX. They called ATM operators ( XXXX ) XXXX XXXX XXXX, filed complaint XXXX. Then filed complaint with my bank XXXX. Both were denied. Then contacted XXXX directly. They said would contact via email. Never did. My bank manager XXXX XXXX says my claim was denied, however refused to provide a clear reason and referred me to XXXX. The investigation never obtained the video which clearly shows the incident.
Consumer complaint received 2024-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (FL)

On XXXX, I mailed a check ( # XXXX ) payable to XXXX XXXX for {$2400.00}. The check was cashed on XXXX, but never applied to my XXXX account. The check was mailed to the XXXX Credit card center, XXXX XXXX XXXX, XXXXXXXX XXXX 

Upon checking with my bank, XXXX, they show the check cashed XXXX, the stamp on the back of the check is as follows : Payee endorsement guaranteed consumer credit card XXXX XXXX XXXX. 
XXXX XXXX XXXX Bank XXXX XXXX XXXX MN ( XXXX ). 
I have a copy of the cashed check. 

I have been working with my bank, XXXX, XXXX and US Bank trying to locate what happened with the funds. XXXX stated that they needed an Affidavit of Non receipt from XXXX XXXX, but they will not provide one and US Bank would not give me any information over the phone but did state that I could go to a local branch and they could look it up. Only problem with that is that I live in XXXX and there are no US Bank branch in XXXX, only the XXXX XXXX. 

Today XXXX i was advised by the XXXXt Executive Service Department, to open a case with You.