davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

XX/XX/XXXX, Toyota Financial Services charging {$930.00} after 1 month of end of lease return to dealership. 

1 ) At the time of returning the vehicle to dealership, no damages were found after inspection and test drive. The vehicle was returned and a new vehicle was purchased on the same day.

2 ) The dealership did not notify any possible fees on wear and tear as the vehicle was in good condition that they can re-sell. 

3 ) Aforementioned procedure was completed on XX/XX/XXXX, and on XX/XX/XXXX Toyota Financial Services charged {$930.00} on previously closed account without any indication on what it was for. We had to call in to find out that they are charging us for wear and tear. 

4 ) After 3 attempts to get the file in hand as to what they are charging, the damages they claim to be on us were never present on the vehicle returned, which can only lead to 2 possibilities. 
1. The damages were made AFTER the vehicle was returned 2. The damages shown are on a different vehicle There is no logical way to prove that the damages were done by us and thus we dispute this charge, to date, Toyota Financial Services calls us every single day to collect this charge even knowing that we choose to dispute the charge.
Consumer complaint received 2024-02-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My husband and I have a CD in Capital One bank that will mature on XXXX XXXX. We wish to cash out the CD, at maturity on XXXX XXXX, XXXX, and have the money sent to one of two external banks that are linked to the CD account. Capital One has told us that they will not do this due to a restrictionon our account. The nature of this restriction or why it is in effect Capital One would not explain to us. We have had previous joint CDs in Capital One without any problem. 
We have been aware of the restriction for a couple of weeks and have tried to have it lifted. Apparently this has something to do with me adding my husband as joint owner of the CD after opening the CD. My husband had a lengthy back and forth with Capital One over the phone. They did not like that his cell phone is a corporate one and is not in his name. They asked for a photo of his drivers license. My husband at age XXXX does not have the most steady hands and the image was rejected. The next day we faxed a high-resolution scan of my husbands drivers license to Capital One. This did not help. 
Preferably we would like this to be resolved by XX/XX/. 
It is our right to close the CD and receive the full mature value of the CD on XX/XX/.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On around XXXX XXXX XXXX, I tried to make a wire transfer of approximately {$87000.00} to an account accepting my XXXXXXXX XXXX XXXX XXXX program 's bank account. Capital One calls me about the reason of the transaction. I answered their question, but from my accent they could tell I am not as proficient in spoken English as a XXXX XXXXpeaker. Despite that, they did not give me enough time to answer all of their questions to my fullest ability. 

They closed my account verbally on the phone, and placed me under a investigation with no clear timeline. I understand this is the procedure, but it is what happens next that frustrate me. 

I contacted my lawyer, who is able to provide a document detailing where the fund came from, where it is going, and why I am making this transfer. I presented the document to a banker at one of their location. But after the banker called their customer service department, they refused to look at the document whatsoever, despite that it may clear any misunderstanding of me being a fraud or laundering money. 

All the other banks I worked with were able to verify that my transfers are legitimate and make the wire transfer. I am nearing violating my contract with those who I am investing it and lose the chance of getting a green card all because of this. Again, I understand that Capital One has to take precaultions against criminals, but they refuse to even glance at my side of the story. It has caused me immense stress.
Consumer complaint received 2024-02-01
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: Exeter Finance, LLC. (GA)

On XX/XX/XXXX I received a HARD inquiry on my report from EXTER FINANCE. Which i have NEVER inquired about a loan or for a loan through this company or through AFFILIATES. Someone stole my SSN and I need this removed ASAP. I never inquired about a loan or gave my CONSENT for EXTER FINANCE LLC/WCG to pull my credit, to do an inquiry, or to make any financial decisions on my behalf based on the credit pull or findings. I'm requesting that you remove this FALSE information ASAP. I want to note that on XX/XX/XXXX i called the customer service line and they assured me that 'someone ' would work on it and didn't have a reference number. I do not trust that and need this to be resolved asap, so YES this is escalated.
Consumer complaint received 2023-05-03
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. (NY)

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 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 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 seven years. 15 U.S.C. 1681s-1 ( 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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

i have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these acount before i seek litigation for defamation of character ). XXXX XXXX. {$1500.00}, XXXX XXXX bal. {$1300.00}, XXXX XXXX XXXX XXXX. {$2200.00}, XXXX XXXX XXXX XXXX. {$250.00}, XXXX XXXX XXXX XXXX. {$800.00}. 
Accounts Affected by the XXXX.
Consumer complaint received 2023-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

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 2024-04-15
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: LCI Acquisition Inc. (AL)

XXXX.. I Requested a full investigation of my Public Record Bankruptcy to include contacting the Federal Agency ( original furnisher ; not XXXX  ) and provide to me certified documents provided from a professional at the Federal Agency ( original source ) of all information reporting. Instead of doing so. XXXX closed my initial investigation request ( on XX/XX/24 ) WITHOUT providing me any documents Certified by a Professional ( employee ) at the Federal Agency ( Court ). XXXX.. I initiated a Second Request for a full investigation of my Public Record Bankruptcy to include contacting the Federal Agency ( original furnisher ; not XXXX  ) and provide to me certified documents provided from a professional at the Federal Agency ( original source ) of all information reporting. XX/XX/24 ... I received an email abruptly closing my request with XXXX FALSELY stating that I cancelled closed the investigation ( **SEE ATTACHMENTS PROVIDED TO INCLUDE STATEMENT ON CANCELLATION ). The agency is also selecting " Reason For Investigation/Dispute '' other than what is relayed over the phone... For example... Selection of " This Account Does Not Belong To Me '' instead of the true nature of the investigation,. XX/XX/24 ... I attempted to review my XXXX credit file and the company has locked me out... stating I needed to verify my email address. I clicked the Verify Email Address icon... was sent a verification email..clicked on the appropriate link only to see a message stating the link had expired ... .I attempted this ( 3 ) times without delay in clicking any links but have been locked out and prevented from viewing my report. I did advise XXXX I would report their illegal way of handling my Public Record full investigation request. 

Lundquist Consulting , IncXXXX may be XXXX 's data furnisher and should also have been a part of this full investigation request.
Consumer complaint received 2024-02-21
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: SANTANDER HOLDINGS USA, INC. (NC)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and North Carolina Laws Dear SANTANDER CONSUMER USA, I am reaching out to address a serious issue regarding the unauthorized reporting of information to my credit report, as protected by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and North Carolina Identity Theft Protection Act, particularly Chapter 75A of the North Carolina General Statutes.

It has come to my attention that SANTANDER CONSUMER USA has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is a necessary requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, North Carolina state law, specifically Chapter 75A of the North Carolina General Statutes, reinforces the requirement for consumer consent for credit reporting. This legislation aims to safeguard individuals from identity theft and the unauthorized use of personal information.

I assert with certainty that I have not provided consent for SANTANDER CONSUMER USA to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights and could potentially damage my creditworthiness, in clear defiance of federal and state laws.

I demand that SANTANDER CONSUMER USA immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Chapter 75A of the North Carolina General Statutes. Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including North Carolina identity theft protection laws.

Obtaining consent is not optional but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I expect immediate attention to this matter and urge SANTANDER CONSUMER USA to rectify these violations promptly, respecting my rights under federal and state laws.

Done in good faith.
Consumer complaint received 2023-02-14
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. (CA)

I sent a letter last XX/XX/2023 to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$320.00} ; XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$950.00} ; XXXX XXXX XXXX : {$390.00} ; XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I've explained what happened numerous times, so I'm obviously frustrated with not getting all my money back yet. They did send a check for XXXX XXXX. But XXXX XXXX was stolen, XXXX from my checking + XXXX from my savings. And it seems they keep making excuses about why or what this & that etc etc more bs. I've got a few letters from them I could've attached to this with some of their excuses but whatever. Anyway, it really sucks that they haven't paid me back the XXXX so far. But I'm not gon na stop bugging them until hopefully they do pay it back. Because it's the right thing to do. Thanks.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

According to the statutes outlined in 15 US Code 1681 ( e ) and 15 US Code 1681 ( 5 ), this account is in breach for failing to provide completely accurate information. It falsely attributes the bankruptcy court as the source of information, which is deceptive and constitutes forgery, especially considering the court does not typically report such accounts. I hereby formally request the immediate removal of these accounts to uphold the accuracy and reliability of my credit profile, as mandated by law.
Consumer complaint received 2022-06-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc. (NJ)

I received a Square Business debit card in the mail. It was sent to my home address in my name. I did not open this account ; someone else was able to open the account fraudulently in my name. This is the second incident of fraud involving Square Inc XXXX XXXX XXXX in the past 2 weeks : My wife received the same type of card in her name last week, also as a result of someone fraudulently opening the account in her name.
Consumer complaint received 2024-02-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

In XXXX  XXXX said they had to charge me for a new phone when I had my phone number fraudulently stolen from me and I needed just a new phone number to be connected to my old phone. I received no new phone. The manager of the store at the time said the fee could be removed later. He then told me on another day that I should call customer service to remove the fee. Customer service told me I had to go to the store. I argued with XXXX for months and they would only let me leave continuous voicemails for the fraud department. I had to leave it alone. I refused to pay $ XXXXsomething that I never owed, for a phone I never bought and was never given. This debt was bought and sold debt at least one other time over the years. As of this date, it has been almost exactly 7 years since this was charged to me from XXXX. This new company, Jefferson Capital Systems LLC, charged this to my credit XXXX. This should be illegal. This debt is XXXX years old. It was fraudulent to begin with. The feedback about them is abhorrent. You really need to look into this company.
Consumer complaint received 2023-01-03
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: ALLY FINANCIAL INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. 
XXXX, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : ALLY FINCL XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Consumer complaint received 2024-01-31
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: ALLIANT CREDIT UNION (NY)

I am a victim of identity theft. When I discovered the identity theft I checked my credit reports and found several items that were not authorized by me. I attempted to reach XXXX via phone but was unsuccessful so I am filing this complaint in hopes that my dispute will be heard. The following inquiries are showing on my XXXX  report but they were not authorized by me and are a result of the identity theft I am suffering. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLIANT CREDIT UNION
Consumer complaint received 2024-04-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (MO)

- In XX/XX/XXXX, Lexus Financial my leassor sent a check to XXXX XXXX XXXX Tax Collector WITHOUT notifying me as a customer. Lexus did not send any correspondence to my billiing address on file. 
- In XX/XX/XXXX, a fee in the amount of {$820.00} was included in my monthly bill. I immediately notified Lexus Financial of the billing error. 
= The agent informed me that it was Property taxes. I informed her of my XXXX  status and my vehicle registration in the state of Florida. She assisted me in making a request to the support center because the SCRA information was not annotated on my account. The inquiry was closed without further justification. I will attach the picture of the memo dated XX/XX/XXXX. 
- I followed up again in XXXX. This time I was informed that the process would be faster if I reached out to the county assessor and had them start the process. Lexus informed me their process normally takes 6-8 weeks. I informed them of my lease end in XX/XX/XXXX. I was affirmed we have time. 
- I worked with XXXX XXXX XXXX, whom acknowledged that this was billed in error and it would need to be submitted to their board of equalization dated XXXX XXXX, XXXX. Please see attached email pdf board of equalization. 
- XXXX through XXXX, I made a serious of phone calls to Lexus to check on the status to no avail. 
- On XX/XX/XXXX, I called to check on the status of the check. The agent explained, a request was never submitted but she would create one. She could see where a called and understood why I was frustrated but was willing to submit a claim. 
-Since this date, I've made a serious of phone calls and finally received an escalation on XX/XX/XXXX, however, I was told it would take 6-8 weeks from XX/XX/XXXX. I asked could they direct me to the tax or finance department but they stated there is not a direct line. I requested a mailing address to verify the check was sent to the right place however, the agent said, " The county should have it. '' I was baffled. I explained I needed to verify the address if she is stating they had not received the refund issued back to Lexus by XXXX XXXX XXXX. She reiterated, " They should have it ''. I told her that I had nothing further, if there was not another person or department she could transfer me to. She then confirmed there isn't. 
-These are deadend calls to an unknown agent that isn't willing to go beyond their script. Its absolute incompetence!