davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing regarding my Account # [ XXXX ]. Capital One Auto Finance ( referred to as Capital One going forward ) has erroneously reported that my vehicle was subject to a repossession and that my account was charged off. 

My car was stolen on XX/XX/XXXX and recovered the same day. It was towed to a XXXX XXXX yard where XXXX was supposed to reclaim it. I spoke to Capital Ones representatives at regular intervals explaining the situation after receiving the first phone call from Capital One on XX/XX/XXXX. 

XXXX claims they attempted to contact Capital One regarding the matter but were met with resistance. Capital One stated they never received a call from XXXX until XX/XX/XXXX. However, I did communicate with Capital One at various intervals regarding the matter of XXXX attempting to reclaim the vehicle. 

Capital One was paid via ACH on time until Capital One shut down my XXXX payments as of XX/XX/XXXX after receiving my XXXX payment. Capital One proceeded to reclaim my vehicle from XXXXXXXX tow yard on XX/XX/XXXX. 

I spoke to various Capital One reps and even informed them that XXXX authorized a check be sent to me to get the car from XXXX XXXX. However, my vehicle was moved to auction on XX/XX/XXXX and subsequently sold. Upon hearing this, I paid off the remaining balance on XX/XX/XXXX which was how long it took to figure out what the final balance would be. 

Capital One repossessed my vehicle even though my payments were current and that I was communicating with them on a regular basis. 

I sent a demand letter via certified mail on XXXX to Capital One Claims Department at XXXX Capital One XXXX XXXX VA, XXXX. 

Furthermore, I disputed with XXXX, and they said the document that Capital One Finance replied with was a number to call, that number ended up being the main switchboard for Capital One.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (MI)

After checking my consumer report this morning I found an unauthorized collection account being reported on my credit by a company name Credence Resource MANA. I have no knowledge of doing any business or transaction with this company. This company is fradulently furnishing false information that was never confirmed by me and I never gave permission to. These actions are not fair or accurate and is ultimately an invasion of my privacy. The consumer agencies XXXX XXXX as well as the company CREDENCE RESOURCE MANA are all committing identity theft by using my private non public personal information with my consent.
Consumer complaint received 2024-07-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: SYNCHRONY FINANCIAL (NC)

I opened a CD with Synchrony on XXXX. I deposited {$200000.00} for 19 months to get a return of {$15000.00}. Upon maturity the only disbursed {$11000.00} to me. 
The XXXX person we spoke to said he has never seen anything like this before, he contacted a manager who also said he had never seen anything like this. Then he came back and said it was because our signature cards were late. I informed him we returned them as soon as we received them. The employee, XXXX, said you returned it in XX/XX/year>. Which is not even 60 days. XXXX verified that and then came back and said the were still missing one signature card, which is not true we returned every document they asked us for. Never once in 19 months did Synchrony ever alert us there was an issue. 
Now they are telling me it's just too bad the state has your money and there is nothing they can do. I asked what state and can you tell me how to go about getting my money you withheld from my CD, and the XXXX said no he can not.
Consumer complaint received 2024-07-09
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (GA)

According to 1029.11 ( a ) When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums or through amounts otherwise owed to or held for the benefit of the consumer, ) the creditor shall : Credit the amount of the credit balance to the consumers account Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer.

Company hasnt credited my account
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX is reporting a chargeoff on my credit report, which means theyve written it off on their taxes and have sent me a 1099 which they have not. They have stated that I owe a balance and the insurance company has paid it off.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC (CA)

Under the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), there exists a crucial need to ensure that consumer reporting agencies discharge their duties with fairness, impartiality, and utmost respect for the consumers right to privacy. Recognizing XXXX, XXXX, and XXXX XXXX as consumer reporting agencies, and myself as the Consumer, I assert my right to safeguard my private information. This right is reinforced by 15 USC 6801, which mandates that financial institutions uphold customer privacy. XXXX XXXX XXXX/OppLoans, and XXXX XXXX XXXXXXXX fall within the definition of a financial institution under this statute. Per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are authorized to furnish a consumer report solely in compliance with the written instructions of the consumer. XXXX XXXX XXXXOppLoans, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX lack my consent to furnish this information and are devoid of my written authorization. Any form of consentbe it verbal, non-verbal, written, implied, or otherwiseextended to XXXX XXXX XXXXOppLoans, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX is hereby revoked . Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt-out. Regrettably, XXXX XXXX XXXXOppLoans, and XXXX XXXX XXXXXXXX failed to apprise me of this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) expressly prohibits consumer reporting agencies from including adverse information in a report without proper authorization. The accounts in question constitutes adverse information being reported without my explicit consent, which constitutes a violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that individuals may not furnish inaccurate information to a consumer reporting agency, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. XXXX, XXXX XXXX and XXXX are evidently failing to adhere to these requirements. Lastly, 12 CFR 1016.7 affords consumers the right to opt-out at any time. Consequently, I am opting out of XXXX XXXX XXXXOppLoans, and XXXX XXXX XXXX XXXX reporting services .
Consumer complaint received 2024-02-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (WV)

My car was repossessed an that was fine but they aid they had to do a write off on It and they ddn have too. They sold the XXXX XXXX at auction for more than I owed. I was paying XXXX XXXX a month on it for a little over a year. I borrowed around XXXX for the vehicle they sof it at auction for I believe was XXXX dollars. I believe what Hey are charging, XXXX and that they have handed over to XXXX XXXX XXXX is interests they are trying to get out of me.says that I still owe XXXX on the balance
Consumer complaint received 2024-02-25
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I brought a pre-approval letter to a car dealership to finance a used car so during the process, they had me sign on forms stating its for registration etc and they ran my credit report without my consent despite my approval from a lender. I got the car and seen hard inquiries hit my credit report. Heres the worst part : the car had oil leaking into the engine and I found out weeks later about it when the check engine light came so I took it back and they gave me a trade car that valued XXXX more than the loan I already got and RAN MY CREDIT AGAIN for more lenders. If you check my credit profile, you will notice I been with the same lender I was approved with originally for both vehicles and now I have 23 unauthorized hard inquires on my credit report. What a nightmare! 

Here are the 23 Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC (MS)

I was looking over my credit report and saw I had some accounts and addresses that wasnt mine am a victim of identity theft. Account ACIMA DIGITAL XXXX XXXX account number XXXX and XXXX XXXX account number XXXX these are not my account. Please delete these accounts immediately. 15 U.S.C 1681 section 602 A.States l have the right to privacy. 15 U.S.C 1681 section 2 states a consumer reporting agency can not furnish a account without my written instructions.I also sent in a police report to delete all own addresses I never stayed at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX or XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  please delete addresses immediately
Consumer complaint received 2023-03-15
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. (LA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Experian is govern by 15 USC and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts. 
Accounts : XXXX XXXX, XXXX XXXX  XXXX
Consumer complaint received 2024-02-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: WELLS FARGO & COMPANY (FL)

In XX/XX/year> they repossessed my car. I was in contact with the auto loan department and told them I was going through a rough time and I would pay what I could but they wanted over XXXX XXXX. Pay off of my car. Im single and have no public transportation near me. I had to quit the job I love They have caused me a lot of stress and trauma. We all know this is not right. Where did the bank get the money to loan me if they are trillions in debt?
Consumer complaint received 2023-07-28
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$150.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

CONSUMER HAS BASIC MEMBERSHIP WITH EQUIFAX VIA MYEQUIFAX.COM, MEMBERSHIP PROMISSED ABILITY TO SEE ADD AND OR REMOVE SECURITY FREEZEZ, FRAUD ALERTS AND XXXX XXXX ALERTS VIA THE WEBSITE. IT ALSO PROMISES OPTION TO SUBMIT DISPUTES. CONSUMER HAS NOT BEEN ABLE TO SEE THEIR FREEZE AND ALERT STATUS VIA THE WEBSITE FOR THE LAST XXXX YEARS. EQUIFAX STATES THIS IS BECAUSE OF A " GLITCH '' IN THE SYSTEM AND SUGGEST CONSUMER SEND IDENITITY VERIFICATION DOCUMENTS IN THE MAIL. CONSUMER HAS CONTINUOSLY SENT THE REQUESTED INFORMATION INCLUDING GOVNERMENT ISSUED IDS AND COPY OF SSN CARD. CONSUMER HAS NO PERMANENT RESIDENCE AT THIS TIME SO ROOF OF RESIDENCE/ UTILITES ARE NOT AVAILABLE. GOVERNMENT ISSUED ID AND COPY OF SSN CARD IS SUFFICE. EQUIFAX HAS FAILED TO RESPOND AND UPDATE/FIX CONSUMER 'S MYEQUIFAX ACCOUNT ALONG WITH UPDATING THE CREDIT FILE DISCLOSURE BECAUSE CONSUMER HAS SUBMITTED REQUEST AND DISPUTE VIA MAIL AND MYEQUIFAX.COM.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

I had a XXXX XXXX credit card ( I closed the account a couple of minths ago due to a number of issues with the company ). I paid my balance in full in XX/XX/2024. I asked the company ( and rec 'd ) a letter stating that my account was paid in full ; however this month I am charged finance charges.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX and I am I real person and not a third party filing this report. The following credit reporting agencies are reporting inaccurate information on my report. And I would like it removed. Please see attached documentation.
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-06-09
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

I pay minimum promotional payments every month 6 month no interest if you pay minimum payments. If any other purchases are made you have to pay that payment. My minimum payment is {$30.00} I regularly pay more than that monthly. Example. {$30.00} {$30.00} {$50.00} {$50.00} etc. All payments after the minimum are supposed to satisfy any purchase made. I don't purchase much. Synchrony did not allocate my payments even though I overpaid monthly and allowed interest to accrue. I asked for the payments to be reapplied as they were misapplied and was told no. I asked for refund of overpayments and was told no.They let the balance roll over for month and charge interest. I called often to make sure payments went through. Synchrony did split a {$50.00} payment they took {$30.00} for the minimum payment and {$20.00} for the new purchased balance. There is no way to allocate funds when making a payment. All you can do is call. There is no receipt or way to tell how payments are being allocated. Customer service will tell you you owe {$69.00} bucks you make the payment and then accrue interest. Its a scam. I only owe {$30.00} minimum payment I paid {$200.00} some months when I didnt have to pay that much. They put the money towards the promotion and let any small purchases accrue interest. These are bad business practices. Several statements went by before interest was added to the account. I asked them to provide any of my conversations and how my payments were allocated and they refused to provide the information. I have zero balances on all my credit cards and a fairly high credit score. This should be stopped.
Consumer complaint received 2024-02-22
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AMERICAN HONDA FINANCE CORP (FL)

Payment history is not accurate na din fact it is illegal to treat a late payment as payments. 15 usc 6802. This account is not 100 % accurate. I do not want this account to show on my report being that it is not accurate and reporting accurate information. I was never late and this account is reporting 30 day late for 5 months and 60 days for 3 months. TO whom it may concern, I am letting you know that your company have been very intrusive, YOUR COMPANY IS ON MY REPORT WITHOUT ANY PERMISSION ESPECIALLY WITHOUT A CONTRACT AND WET INK SIGNATURE, BY LAW YOUR NOT SUPPOSE TO REPORT ILLEGAL AND FRAUDULENT INFORMATION. THIS ACCOUNT IS NOT VALIDATED OR VERIFIABLE. REMOVE AND AND DELETE ALL INFORMATION WITH MY NAME/SSN # /BIRTHDAY YOU DO NOT HAVE MY CONSENT TO HAVE OR USED MY INFORMATION. I AM THE ORIGINAL CREDITOR ONLY I CAN VALIDATE THIS ALLEGED DEBT. 


Your company Violated all FDCPA/FCRA, FEDERAL and STATE Laws : 15 U.S. Code 1692e - False or misleading representations, 15 U.S. Code 1692f - Unfair practices, 15 U.S. Code 1692g - Validation of debts ( a ) ( 1-5 ) ( b ). 15 U.S. Code 1692j - Furnishing certain deceptive forms.

15 U.S. Code 1692c - Communication in connection with debt collection.

18 U.S. Code 1341 - Frauds and swindles 15 U.S. Code 1692h - Multiple debts 15 U.S. Code 1692j - Furnishing certain deceptive forms Rule 1002. Requirement of the Original Cease and desist validation of debt All collection activity must stop. Stop reporting to the reporting agencies.

Stop communicating.

Stop reporting My personal information. I did not give or ask your company to report my personal information.

Stop debt activity immediately.

15 usc 1692c, I didnt give your company the direct instruction to report this account or others to the agencies.

I refuse to pay a debt that I do not owe. Respectfully DETACHED all information to delete this account from all three credit profiles immediately.
Consumer complaint received 2024-07-08
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. (LA)

I am a victim of XXXX XXXX of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY TRANSUNION 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
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ZIONS BANCORPORATION (CA)

California Bank and Trust is reporting inaccurate information on my credit reports which I have disputed with XXXX, XXXX, and XXXX and have been doing so for months now. This negligence on their part has caused me to be denied for federal employment.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC (IL)

These accounts is written as a charger off but I didn't receive my 1099C cancellation of debt form and because of that is account is inaccurate and have to be removed. 

XX/XX/XXXX amount XXXX, XX/XX/XXXX amount XXXX. XX/XX/XXXX amount XXXX XXXX XX/XX/XXXX amount XXXX XXXX XX/XX/XXXX amount XXXX. XX/XX/XXXX amount XXXX. XX/XX/XXXX amounXXXX XXXX XXXX I requested from all companies the for my 1099C.also I didnt give consent for these accounts to be sold I didnt authorize my information to be given out.
Consumer complaint received 2024-07-08
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. (TX)

Recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. These remarks have been detrimental to my livelihood and credit health. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Im continuously dissed XXXX the fraudulent inquiries listed on my check systems report. Representatives that check systems do not investigate my concerns and they do semi letters back saying that my disputes are frivolous which is very insulting. These inquiries listed on my check. System report are not authorized by me, never have I ever tried to obtain or open accounts with these companies nor did I give anybody permission! These companies are in another state besides Florida and I do not qualify for the guidelines to open accounts with them so that shows that these werent done by me also addresses listed on these inquiries do not match any place I lived But yet check systems refuses to remove them. Ive contacted the companies individually requested that these inquiries being removed.