davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

We have paid already to XXXX  XXXX  a debt collector FROM CAPITAL ONE. I attached proof of payemtn with letter from XXXX  XXXX. 

Can you take it off my credir reportp please.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

I XXXX  received voice message from a XXXX at XXXX XXXXXXXX XXXX from XXXX on XX/XX/2024, and to call back at XXXX using reference # XXXX. Then, I received a letter on XX/XX/2024 from XXXX XXXX dated XX/XX/2024 addressed to my maiden name, stating that my application for the XXXX  XXXX XXXX XXXX XXXX was being reviewed and to call XXXX, with the same reference #. I called XXXX XXXX XXXXXXXX but did not see any open accounts. I pulled my Experian Credit Report, as the letter stated they obtained my report from them and found a Hard Inquiry for : XXXX XXXX XXXXXXXX Date of request XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX I submitted a fraud alert with Experian.
Consumer complaint received 2024-08-20
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. (MA)

Please Help Me Remove/Delete These Accounts/Inquiries. The Account & Inquiries Were Open & Pulled Without My permission or Consent Please I Demand These Accounts & Inquiries Be Remove Out Of My Credit Report Immediately Further Action Will Occur & A Civil law XXXX XXXX Be Process If These Items Are Not Handled in a Proper Time Frame PLEASE. 

XXXX Date Inquiry : XXXX XXXX XXXX NA Date Of XXXX XXXX XXXX  Date Of XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX  Inquiry XXXX Capital XXXX Bank XXXX XXXX Account # XXXX open XXXX highest XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX  # XXXX Open : XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX {$1500.00} 15 USC 1681N ( 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 ( XXXX ) ( 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 ; ( XXXX ) such amount of punitive damages as the court XXXX allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

15 USC 1681Q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

15 USC 1681B ( 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.
Consumer complaint received 2020-08-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (GA)

I have sent the company notice debt that I don't owe and the account was from the result of identity thief from XXXX to XXXX. I have provided the police report, a report from FTC, etc ... Also informed them that the info they have on my report needs to be blocked and deleted. They have not removed items and find them to be in violation of several codes. I have sent proper notifications in a timely manner giving them ample time to remedy the issue. They have failed to do so.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been disputing these accounts for the longest with XXXX, Transunion and XXXX. I have 3 seperate student loans accounts through XXXX that was transferred and consolidated in XXXX with XXXX XXXX that shows US Dept of Edu/XXXX on my reports. Those accounts are still showing late payments and still show that is delinquent when they are supposed to be current or deletes the late payments. XXXX actually reaged my accounts to XX/XX/XXXX as if the accounts were still open all this time while XXXX has XX/XX/XXXX and Transunion XX/XX/XXXX. XXXX doesnt have the months term included. Date Last Active are all showing different dates for all 3 accounts. Transunion has XX/XX/XXXX, XXXX has XX/XX/XXXX while XXXX has XX/XX/XXXX. How is all of this possible when all information across the board is supposed to be the same. How is the Date Last Active is XX/XX/XXXX but it was last reported by XXXX on XX/XX/XXXX? None of it makes sense. All three companies have been claiming to have deem these accounts accurate over and over again when theres proof that its not.
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of America Ltd. (TX)

On XX/XX/XXXX, " COLLECTION BUR OF AMERICA ( #  XXXX ) - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX " Called and for a missed & valid payment of $ XXXX. told me it is in collections and if I pay in full, it will not negatively reflect in my credit report and made a false promise and provided me incorrect information. The original due amount came to collections on XX/XX/XXXX ( got from my credit report ). since it is paid in full, the collection item is reflected in the scoring model as a new item with a new updated date. ( FICO Score 8 model used by many financial institutions ).  The scoring model is unfair to the consumers who have taken their responsibility of taking care of the payment in full. 
This raised further questions for me ( XXXX  ) : 1. Why should the score be lowered when the collection item is paid in full? It makes sense when it is unpaid, penalizing on the score. 
2. Why should the longevity of the paid collection item and unpaid collection item be treated the same? Is the risk not different between someone who took care of it and one who did not? Why can't items be removed when paid in full? 
3. I found institutions using the same report and model and coming up with different scores? Why should it be inconsistent? 
4. When Credit reports and Scores are sold as service to the institutions based on the consumer info ( my info ), why only credit reports are free and why not the scores?
Consumer complaint received 2024-08-20
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. (PA)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2024-08-20
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. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 1

5 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 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (OH)

Earlier in th month of XXXX I worked with American Express on a card that was opened in my name. Amex removed the account from my credit report and verified the application was accepeted as a result of fraud. This has unfortunately impeded my ability to obtain a business loan back in XXXX earlier of this year. I am happy with the results of the findings, but as a results of this account opened & being charged off I was not able to obtain ledning from a lender.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My vehicle was paid off to a balance of {$52.00} and sold to XXXX XXXX XXXX, Florida on XX/XX/2020. Since selling the vehicle, I have been unable to access my online account and am given little to no information regarding the payoff. A couple of weeks after the sale of the vehicle, I started receiving emails of payment confirmations and returned payments that I did not initiate. I contacted both XXXX and XXXX XXXX XXXX on XX/XX/2020 and was told that the balance was not mine and to not worry about it. At the beginning of XX/XX/2020, my credit report showed a balance of {$5200.00} despite me leaving the car paid with only a balance of {$52.00}. Ive received no assistance from XXXX in attempting to resolve this matter.
Consumer complaint received 2024-08-20
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. (VA)

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 Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-20
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. (FL)

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 Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2020-08-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TOYOTA MOTOR CREDIT CORPORATION (NC)

In XX/XX/2018 my Lease expired on the XXXX XXXX which was through XXXX. At this time I rolled it over into a purchase also with XXXX. At the same time I had a XXXX XXXX but didn't know. During my lease with XXXX I was on automatic payments through their website and payment were made in a timely fashion. I wanted to continue that payment arrangement. I tried to do that but for the first few months they couldn't get the system to function properly. Every time I would call to seek resolution I would end up repeating the same story and couldn't get to anyone to effect change nor could I get a ticket on the problem to reference or a case manager to handle the complaint. After months of the non resolution I stopped making payments and told XXXX I wanted to make payments the way I had for years but didn't want to pay by phone or by check that wasn't convenient. I did this in hopes that it would escalate the issue to someone that could effect change and fix the issue. After every contact with XXXX I told them ( the conversation was recorded ) that I would pay the amount due in full the minute I could pay electronically as I had in the past. My thought was if I continued to pay by mail or phone they would never fix the issue considering it had been months with no resolution. Perhaps non payment would get someone's attention. There are over ten recordings of me saying I would pay immediately if the web based product would function just as it had in the past. In XXXX they repossessed the car and send me a demand letter. Once again I said I would pay the amount due but only by their product that the other 99 % of their customers have access to and enjoy. At this point I felt discriminated against because I didn't have access to the same functions as other customers. I later got the NC AG involved and they wrote a letter on my behalf and agreed with me and we are now in a stalemate. Also XXXX falsified a insurance claim on this car while in their possession as it must have had some damage to it as the Insurance company called to follow up on the claim. This is now effecting my ability to purchase a home and want to access all free services before paying an attorney. Any help would be greatly appreciated.
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: J J Marshall & Associates, Inc (MI)

I never knew there was a debt owed at all until I was trying to buy my house in XXXX of XXXX and I started reviewing my credit report. According to XXXX XXXX the debt was from XX/XX/XXXX. At that time unsure of how to handle such a large debt from so long ago I tried to dispute it with the credit bureaus to no avail. I have never once received even a single piece of mail of any kind from neither jj marshall or the original debtor XXXX  XXXX. I never even received any notice of any court proceedings. I was never served paperwork by anyone. On XX/XX/XXXX my employer provided me with a copy of an order to garnish my wages on behalf of Jj marshall. Still to this day I have no idea what they are claiming I owe almost XXXX for. I am now attempting to object to this garnishment. To my knowledge it is beyond the timeline in which I can object to the judgement. I do not believe they made any attempt at reaching me in order for me to object to the debt in the first place so I would not have a chance to fight it. I have lived at the same address since I moved out of XXXX in XXXX of XXXX. I have received mail both legal and otherwise for almost seven years at my current address as well as it being my address listed with the post office and the courts so there is no reason that they could not have served me a proper notice.
Consumer complaint received 2024-08-20
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. (IN)

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2020-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

For no reason at all I have been frozen out of my Coinbase account. I have thousands of dollars with them. When trying to resolve this with their support team, they offered a criminally vague statement that said " You are no longer eligible to link any payment methods. We are not able to provide you with any additional information. '' Which means they won't give me my money back and they won't tell me why. This is theft.
Consumer complaint received 2020-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (TX)

I have been a victim of identity theft and have provided XXXX and XXXX with 2 separate police reports indicating credit card fraud and burglarized vehicle which my personal information ( social ) ( ID card ) was stolen and sold to person ( s ). In addition the second police report  indicates a person scanning my information somehow and duplicated credit cards. I submitted the police reports from XX/XX/XXXX and XX/XX/XXXX in writing and also fax to XXXX and uploaded to the XXXX   website. I also contacted the original creditor. My Nordstrom card I did open this account however there was over XXXX unauthorized charges and this account is reporting inaccurate and negative on my credit report. XXXX XXXX card I never opened and I also have sent them proof. I also disputed this last year in XXXX when I first found out of these accounts due to a person was caught with my ID and other IDs. I been dealing with identity theft since XXXX. Im asking for these accounts to be removed from my credit report. 

Nordstrom sent me statements to provide the the items that were theft however I sent a letter advised them to remove the item due to the inaccuracies reporting of this account that is hurting my credit profile.