davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital one has the phone system first take calls while doing this the phone system gave options on what I was calling about. During this process I was able to get all the way to a business account that I know nothing about and did not open. Capital one was unwilling to cooperate because I could not verify the account number even though the system verified by my social. The system offered a personal account as well, so who knows what else they are hiding. They are aware of my identity theft and fraud yet they are being dishonest and non transparent about illegal accounts that exist that are tied to me. What a great way to treat your costumers that are struggling with a hardship yet making payments even though the payment was late due to the identity theft and loss of funds recently. Reporting capital one here on the unwillingness to help a customer deal with illegal activity involving a business account and possibly other accounts. I wonder what an illegal business account is being funded by? I am willing to bet it isn't legal business, they are supporting criminals and in my opinion. I am shocked that I am even filing this report and quite frankly how much longer does the American consumer have to deal with this type of activity? That so called " business '' is being used for crime for example trafficking, drugs, weapons, or all the above. Yet still charging 33 % interest rates on the legal accounts. I would like an immediate response from them on how they would like to handle this.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
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 Name : XXXX XXXX - Account number : XXXX Account Name : XXXX - Account number : XXXX Account Name : XXXX XXXX XXXX - Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.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 XXXX  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 the information is inaccurate.
Consumer complaint received 2024-09-24
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: 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 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 2024-09-24
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. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2015-08-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

We opened up a checking account with USAA, after receiving a promotional email from them. We are members. My husband is XXXX Military and has been for 12 years. We set up his paycheck to be direct deposited. Within 24 hrs of this deposit, USAA withdrew our ENTIRE account and left us with a XXXX balance. When we called to question, they informed us it was for a " charged off debt from 2008 ''. We were completely shocked. Not only were we NOT aware of any prior debt to USAA, we have never heard of any of this until now. No written correspondence, not once has any of this ( alleged ) debt ever showed up on any credit report of ours, or has USAA tried to collect this ( alleged ) debt from us in the past. I pleaded with the customer service that this is a mistake, this is an error! We are disputing this debt as an error applied on our bank account. I pleaded with customer service that my husband ( XXXX military member ) is our only source of income, we have children, and need his paycheck to live! Taking all of our money will put us in a serious financial hardship where we can not buy food, pay utility bills, buy gas, and pay our house payment. I spoke with XXXX different people to try to resolve this, and nobody from USAA would reverse the wrongful charges or work with us at all until these fraudulent charges were figured out and proved, which is what I requested. Nor did they even seem like they cared. They wrongfully took all our money and we need it back. I am also disputing any supposed debt they say we owed them. There was no mention of this debt when we opened the checking account! We have been members of USAA for years and have XXXX USAA credit cards that have been in good standing for over 2 years with USAA, and never has USAA ever mentioned anything about ANY money owed to them! This is how they treat their service members and their family? We feel like we have been robbed and feel helpless. Someone needs to help us please!
Consumer complaint received 2016-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (MO)

On XXXX XXXX, 2016, I used a website ( I believe XXXX XXXX ) to inquire about refinancing my mortgage. Naturally, as a result of this query, I received a number of telephone calls from various lenders, XXXX of which was LoanDepot.com. I never authorized, granted permission, or indicated with any of these lenders that I wanted to move forward, mainly because my local credit union offered the best terms and I already had an existing relationship. However, on XXXX XXXX, 2016, I received a full loan packet ( completed mortgage application, addendums, etc. ) for a 10 year mortgage for $ XXXX, from LoanDepot.com, license ID XXXX, requesting signatures for loan ID XXXX. I subsequently called the loan officer listed on the documents, XXXX XXXX, license ID XXXX, telephone XXXX and left him a voicemail indicating my dissatisfaction especially since I never expressed interest in proceeding.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK (TX)

I signed up for Business Checking account promotion for {$400.00}. 


As of XXXX, terms are still available at this link - firsthorizon.comXXXX XXXX The requirements for the promotion were as follows, Requirement1. Deposit {$5000.00} into the XXXX  XXXX  Checking account within 15 days of the account opening. 
XXXX  : Opened account. 
XXXX  : $ XXXX deposited to the account. 


Requirement2. Maintain at least a {$5000.00} collected daily balance for the first 3 full statement cycles. 
XXXX  : Maintained more than $ XXXX up until now. 

Requirement3. Conduct 20 qualifying transactions within the first 3 full statement cycles. 
XXXX : I made 22 debit card transactions within a month of opening the account. 


As per the banker, the first two requirements were met successfully and they are claiming that third requirement was not met. 


I made a total of 22 debit card transactions within a month of opening the account. 9 transactions in the 1st statement cycle and 13 transactions in 2nd statement cycle. 
They are claiming that the first statement cycle is not considered and only 2nd, 3rd and 4th statement cycle are considered for bonus eligibility evaluation. 


I read the terms in detail and there is no mention of what defines a " Full statement cycle ''. Since I made the transactions within the first 3 statements, I should be eligible for the bonus and have been wrongly categorized as not eligible.
Consumer complaint received 2024-09-06
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. (OH)

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 : 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 2024-09-06
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. (IL)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-09-24
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: EQUIFAX, INC. (FL)

I have sent multiple disputes to Equifax, XXXX, and XXXX. No one has sent me results. I have provided 3 bureau tables of the errors in my credit report. I have the right to fair and accurate credit report. All 3 credit bureaus are violating my rights. I demand the errors be fixed or deleted. I have attached letters sent to all 3 bureaus.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I've disputed the incorrect Balance on XXXX XXXX  and provided proof this loan was paid off atleast 5 times to XXXX XXXX,, XXXX and Experian. All XXXX companies have not updated or removed the loan from my credit report and they do not have a live customer service representative that I can speak to. I've disputed the hard loan inquiries as I have not given the companies permission to check my credit and they should have deleted it from my credit. Again, I've provided and disputed the loan amount because it is incorrect and the balance I'd completely paid off to XXXX and XXXX XXXX.
Consumer complaint received 2024-09-06
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. (NY)

Dear CFPB, I have found an account called XXXX under my name that is fraudulent. The company XXXX, notified me about this fraudulent account and confirmed it in an email, which I have attached for your reference. Additionally, they have verbally informed me that they have requested the credit bureaus to remove the late payment associated with this fraudulent account. 

XXXX XXXX XXXX  Reported : XX/XX/2024 I requested numerous times from Experian to correct it, enclosed are the documents sent. Despite these actions, the negative mark remains on my report, causing major damage to my credit. I urgently request that you take immediate steps to ensure that the credit bureaus either remove the late payment or remove the full account from my credit report. Your prompt attention to this matter is greatly appreciated. Thank you.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had a car and credit card through capitol one. I removed my wife at the time from my credit card somewhere around XXXX of XXXX. She filed for divorce in XX/XX/XXXX. The divorce was finalized XXXX of XXXX. They gave her the car which she paid off in XX/XX/XXXX. She paid the car payment through Capital one app. She didnt have any of my username or password but had access to my credit card purchases. I contacted Capitol one fraud department in XXXX of XXXX and they said she wasnt on the account and she couldnt see my purchases. She sent me pictures of charges from her phone. I had Capitol one cancel my card and reissue me a new card. Also I got a new XXXX XXXX card in XXXX. I had passwords that my ex wife did not know. Then my ex wife sent me more pictures of my account on XX/XX/XXXX. I called Capitol one XXXX department again and told them about this situation and the replied they was no way that she could see my account. I paid off both cards and canceled both accounts. I contacted my ex wife and she said she just login her Capitol one app where she used to pay here car payment and my information was on her dashboard on app. This is invasion of my privacy and Capitol one could do nothing to protect me.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 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. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
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. (NJ)

I am writing to formally express my concern regarding the responses I received after sending out XXXX letters to various credit companies. Instead of providing substantive responses or taking appropriate actions, these companies have merely sent stall letters, delaying the resolution of my requests. 

I expect these companies to comply with the Fair Credit Reporting Act ( FCRA ) and provide timely and meaningful responses to my inquiries. The stall tactics are both frustrating and unacceptable, and I request immediate action to address this issue. 

Thank you for your attention to this matter. I look forward to a prompt resolution.

Here are the violati

ons under the **Fair Credit Reporting Act ( FCRA ) ** : 1. **Failure to Investigate** : Violates Section 1681s-2 ( a ) ( 8 ) ( E ) Credit furnishers must investigate disputes. 2. **Failure to Correct or Remove Inaccurate Information** : Violates Section 1681s-2 ( b ) Furnishers must correct or delete inaccurate information after an investigation. 3. **Failure to Respond Within 30 Days** : Violates Section 1681i ( a ) ( 1 ) Furnishers must respond to disputes within 30 days. Sending stall letters without conduc
ting an investigation or providing a resolution breaches these FCRA requirements. 

XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 ( MONTHS REPORTING LATE ) 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. 


EQUIFAX XXXX XXXX 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