davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (FL)

This complaint will serve as notice to the CFPB that all though my last complaint was marked as " duplicate '' and terminated, this is an on going matter that has NOT been solved and this company continues to illegally report negative, inaccurate and invalidated debt on Claimants consumer reports and MUST be held accountable. 
Claimant has asked for and demanded Validation of Debt pursuant to 15 USC 1692g - MANY TIMES CLAIMANT HAS NEVER RECIEVED TRUE VALIDATION.

Claimant has sent sworn testimony in the form of Affidavit of Truth and FTC Identity theft complaint under Title 18 USC 1028a ALL HAVE BEEN IGNORED ILLEGALLY Claimant has demanded an audit trail in accordance with 12 USC 5562 ( c ) ( 10 ) in order to verify what occurred with this account.

AGAIN IGNORED. Never received.

Claimant has demanded a statement under penalty of perjury that this bank in fact loaned Claimant any money.

NEVER RECIEVED.

Claimant is aware that this company is in violation of TILA regulations, FDCPA regulations, FCRA regulations and more. Claimant also has noticed this company just settled out of a major court case in XXXX for their deceptive and illegal practices. 

On XX/XX/2022 Claimant mailed via certified mail number XXXX XXXX XXXX XXXX XXXX a 'NOTICE OF INTENT TO SUE ' to the company as their FINAL notice. If they do not remove the information from all consumer reporting agencies and delete the fraudulent account immediately we will be handling this in court. Claimant will be seeking damages in the amount deemed fit by the court. This complaint will be being made to the XXXX attorney generals office as well as the XXXX attorney generals office
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (NM)

I ordered patio furniture from XXXX that never arrived, I initiated a dispute explaining to my Credit Card issuer what happened but they found the charge was valid. After working with XXXX they agreed to refund the purchase but could not do so because of the dispute. After a few weeks of back and forth with Chime they refuse to do any research or resolve the charge, even after I sent them many documents that support me getting my money back.
Consumer complaint received 2022-06-14
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. (FL)

In Accordance with the credit reporting act : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX as violated my rights. 
15 U. S. C 1681 section 602 A. State that I have to write to privacy.

15 U. S. C. 1681 section 604A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CT)

My XXXX car loan was late by 3 weeks. On the XXXX of XXXX they called me about the bill and while on the phone I explained to them I would have the money that Friday night, and could I pay it online. They said yes, absolutely. That Friday night when I went to make the payment, which was still under the 30 day mark by 4 days, I got pop-up message saying one-time payments had been disable for my account and to call the number. I called the number and tried to do an automated payment by phone, but was told by the recording I wasn't able to. And because of the holiday weekend they were not available to take a payment till the following Tuesday. That Monday was the 30th day. I had the money and was willing to ay them, they told me, yes, I would be able to online, and that was a lie. That Tuesday they told me that it was because I missed two automatic withdrawals on the day they came out. They weren't late, but the funds weren't there till a day or so after. Anyway, this is their sort of punishment, they lock people out without telling them, refuse any form of payment except a debit card, and it can only be with a live person for a {$7.00} fee. For 90 days. They failed to tell me all of this when I asked about making that payment, and were more than happy to take my payment that Tuesday and give me a 30-day late notice on my brand new car. My XXXX XXXX had been XXXX, but thanks to them it dropped XXXX points. I realize I was late to begin with, but if they're going to say I CAN make the payment when it's clearly a lie, I feel like that was deceptive, and spiteful, and putting a 30 day late notice on my credit report the very day I was able to pay is just wrong. Also, in the attached screen shot it appears to show up twice on my credit report for one late payment. It looks like two different branches of Hyundai are reporting the same missed payment.
Consumer complaint received 2022-06-14
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. (GA)

The accordance with Fair Credit Reporting act these accounts has violated my rights. 

XXXX XXXX XXXX Louisiana XXXX # XXXX XXXX XXXX XXXX Louisiana Docket # XXXX XXXX XXXX XXXX Louisiana Docket # XXXX Section 602 A. States I have the rights to privacy. 
15 U.S.C. 1681 Section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-01
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)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX CO Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
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 2022-06-14
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXXXXXX Acct 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 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I'm submitting this compliant due to the fact Capital One has failed to update accurate information on my credit file. I have submitted a request to Capital One on five different disputes ( XXXX, XXXX, XXXX, XXXX, XX/XX/2022 ) and providing court documentation along with credit report showing information is being reported inaccurately. All three credit bureaus should be reporting this Capital One Auto Loan as a Bankruptcy and it was discharged in a Chapter XXXX on XX/XX/2022. This auto loan is still showing up as a derogatory account the account should be reported as closed included in Chapter XXXX with a XXXX balance. A balance is being shown and there is no balance due. I have tried to communicate with Capital One Auto Finance to update accurate information per Bankruptcy laws. My only last course of action will be pursuing a legal action.
Consumer complaint received 2022-06-14
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX  # XXXX has violated my rights. 

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 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX, {$18000.00} was wire transferred out of our company Trust account to an unknown company. No body has access to this account as no withdrawals are made. No one authorized this and we called Capital One bank immediately. They gave us a case number and said they would call back but they could not stop the wire. We called back since no one called us back and they said that it had to be sent to Fraud and they would call us back. No one called back and we received a letter stating that they were doing nothing and the case was closed because we had to call the fraud department within 24 hours of the fraudulent transfer. We called them and said we got a case number and no one sent us to the fraud department but were told to wait for a call back with a status. As of today we have zero resolution and have no idea where our XXXX is.
Consumer complaint received 2020-05-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

NewRez mortgage company has mishandled our escrow account. Our XX/XX/XXXX taxes have gone unpaid as well as our XX/XX/XXXX hazard homeowners insurance. We spoke to the company over the phone in XX/XX/XXXX. We noticed that our taxes had drastically increased and wanted to ask about the process of increasing our escrow balance and how our monthly mortgage may be affected. They informed us that they would make the payments and contact us when we needed to adjust our rates. In XX/XX/XXXX we noticed our taxes had not been paid and once again called them to ask why it had gone unpaid. They asked us to forward our property tax bill, which we did in an email, and then told us all would be handled. In XX/XX/XXXX not only did we receive a final notice on our property tax but a notice that our homeowners insurance has also gone unpaid. XX/XX/XXXX we called the company. The automated system informed us that a payment did get made to the insurance company. Once we were speaking to someone they informed us that no payment was shown on their end on either the insurance or the taxes. Our taxes due in XX/XX/XXXX were {$4800.00} due to it going unpaid they are now {$5200.00}. We now owe an extra {$370.00} due to their inability to handle our account properly. They once again asked for our tax bill which we had already sent them. They should have full access to the property tax bill and we should not have to go to these lengths to pay our bills. Our insurance goes unpaid at {$2700.00}. We only have XXXX in our escrow at the moment. We are now short XXXX in order to pay our taxes and insurance in full. We reached out months ago in order to prepare financially for this and were taken care of by incompetent people. There is no reason this should have gone unpaid and become a burden on our family.
Consumer complaint received 2022-06-14
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. (GA)

Dear Experian I am a victim of identity theft, the information listed below, which appears on my credit report, does not relate to any transactions that I have made. Im writing to dispute certain information in my file resulting from the crime. I have circled the items Im disputing on the attached copy of the report I received. Again the items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
The items are as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the items be removed to correct the information. 

ATTACHED are copies of the Police Report, FTC Report and documents to prove my Identity supporting my position. Please reinvestigate these mattters and delete the disputed items as soon as possible. 

Additionally Experian has TWO ( 2 ) public record reporting on my file that arent verified. I have personally contacted the UNITED STATES BANKRUPTCY COURT OF XXXX XXXX XXXX XXXX  via US Postal service in regards to BOTH unverified public records and the court has returned Communication stating ( The bankruptcy court is not a vendor who supplies records for any of the major credit bureaus. ) Secondly Ive contacted XXXX XXXX whom shows NO bankruptcys on my credit report. I have attached the official responses received from each party to this CFPB complaint for proof and your review purposes. 

Bankruptcy : Dismissed XXXX XXXX Bankruptcy : Dismissed XXXX XXXX FCRA 611 ( 15 U.S.C. 1681I ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Sincerely, XXXX XXXX XXXX : * Fraud Complaint with the Federal Trade Commission - # XXXX * Police Report - # XXXX * Bankruptcy Court Document * XXXX XXXX XXXX Showing removal * Copy of Credit Report * Proof of Identity - Social Security Card / Drivers license * Proof of Identity - Bank statement showing current address * FCRA 611, 15 U.S.C. 1681i
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (UT)

In XX/XX/XXXX, I received in the mail literature from Wells Fargo outlining a promotion to receive {$400.00} for opening a new checking account with direct deposits totaling {$1000.00} within the first month. The promotion was to be applied within four months. 

XX/XX/XXXX, I entered a local branch to open a new checking account in order to receive the promotion. A banker facilitated the opening of the new account and verbally confirmed I qualify to receive the promotion due to the bi-weekly direct deposits I scheduled for my paycheck. The banker informed me I could avoid service fees by opening an accompanying savings account to the checking account ; so I followed the banker 's advice. 

XX/XX/XXXX I called Wells Fargo Customer Service because I had noticed a recurring service fee for the savings account opened XX/XX/XXXX and still had not received the {$400.00} promotion. During this phone call I received a reference number regarding the {$400.00} promotion and a complaint number regarding the service fees. 

I received a reversal of the service fees XX/XX/XXXX. I was told to follow up regarding the {$400.00} promotion if I had not heard in 10 business days. 

After the phone calls on XX/XX/XXXX, that same day I received digital communication via a secure inbox regarding the service fees. 

XX/XX/XXXX I received digital communication via secure inbox that the concern regarding the service fees was closed. I agree to this outcome. Meanwhile, I had not heard back regarding the {$400.00} promotion, so XX/XX/XXXX, I called customer service and provided the reference number for the promotion. 

The representative told me the reference number did not exist. After explaining the situation again, the representative did more research and discovered the case was closed. I was never informed of this " case closure ''. I do not agree with this outcome due to the fact I followed the advice of a banker in order to to receive the promotion. Knowing Wells Fargo has closed this complaint, it is clear the banker provided misinformation to me in order to persuade me to open an account.
Consumer complaint received 2022-06-14
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. (MA)

In accordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C.1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I am very angry with the credit bureaus. I have sent them many letters and they do not give me an answer. I feel like they don't take my case seriously.
Consumer complaint received 2022-06-14
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. (AL)

Unauthorized inquirieXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX High Balance : {$1000.00} Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX High Balance : {$1000.00} Account Name : XXXX XXXX Account # : XXXX XXXX High Balance : {$720.00} Account Name : XXXX XXXX Account # : XXXX XXXX High Balance : {$720.00} XXXX  Account # : XXXX 15 U.S.C 1681 section 602 A States i have the right to privacy.

15. U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Account without my written instructions.
Consumer complaint received 2022-06-14
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. (NY)

In accordance with the Fair Credit Reporting act 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. 

XXXX XXXX XXXX. CO. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-14
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A : States I have a right to privacy.. 
15 U.S.C 1681 604 A Sec 2 : Also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1861c ( A ) ( 5 ) : 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 1861Z-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I have completed 2 rounds of disputes for this particular reporting with no action by Equifax. I am also requesting an investigation into the, third party reporter, XXXX XXXX as they are supplying this erroneous information to the bureau. It is their responsibility to make sure they are reporting correct information and they are not. I am disputing a dismissed XXXX XXXX bankruptcy that is showing on my report only on Equifax. This reporting is attached to a case with a social security number that is not mine. I sent a letter certified with delivery confirmation to Equifax and they received it on XX/XX/2022. They responded to the dispute on XX/XX/2022 and stated that it has been confirmed via a third party reporter, XXXX XXXX, and made no deletion of this erroneous information. Please mandate Equifax and XXXX XXXX to stop reporting this erroneous information on my credit report. Thank you in advance for your assistance.