davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I purchased a vehicle through capital one navigator with their preferred dealer World Wide XXXX. The dealer engaged in fraud during the transaction. I was sold an extended warranty. The extended warranty was started while my original factory warranty was running. I contacted Capital One Auto Finance on several occasions without resolution. Capital One dealer risk team is stating that they can not verify when that the extended warranty ran concurrent with the extended warranty but I offered capital one proof but they refused to look at it. They also have proof in their position. I would like a refund for the warranty plus any interest accrued for that amount. This dealer has committed these acts in the past. I was told that I had to sign for the product when I purchased the vehicle and that it was an extended warranty that would start when my factory warranty expired. If they look at the contract and look at the vehicle mileage and year they would be able to determine when the factory warranty was in effect. Capital One refused to provide this information in writing even though I sent in a written complaint to XXXX in the presidents office.
Consumer complaint received 2024-09-02
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 (MO)

Upon reviewing my credit report I noticed some unauthorized inaccurate discrepancies on my credit report. 15 U.S.C. 1692c ( c ) states if a consumer notifies a debt collection company that the consumer refuses to pay the debt collector the debt collection company must cease all communication. Law 15 U.S.C. 1692cc prohibits debt collectors from communicating with third parties in connection with the collection of any debt. A debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known. This is a notification letter to the following debtor. No type of payment will be made on this unlawful debt. I request that the following debtor cease all communication. Account : ( XXXX XXXX ) XX/XX/scrub>XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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. (MI)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-09-02
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. (FL)

Im filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the TRANSUNION Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information consists of : 1- Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Those accounts are results in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I attach a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. Those accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, and hard inquiries are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Consumer complaint received 2024-06-03
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. (TX)

I sent certified mail on XXXX XXXX With a requst to remove a account, it was a removel letter and a FTC report they did not include on my file a copy of my driver license and ssn card. I talked to someone on XX/XX/year> at Equifax they said it was no FTC Report on file and then i ask about these comformation numbers : Confirmation number : XXXX SubmittedXXXX Confirmation number : XXXX Submitted : XX/XX/year> Confirmation number : XXXX Submitted : XX/XX/year> they don ; t see them.I disputed the same account with XXXX and XXXX they fix the problem. I believe Equifax are acting in bad faith, and have not complied with the Fair Credit Reporting Act they hiding information that has been sent in. I have maintained careful records of there actions.
Consumer complaint received 2024-04-23
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: Experian Information Solutions Inc. (MI)

I recently reviewed my credit report and discovered some inaccuracies and discovered fraudulent accIn accordance with the Fair Credit Reporting act, these Accounts being reported have violated my rights. 15 U.S.C. 1681 section 602 A States I have the rights to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account : XXXX XXXX XXXX XXXX T HERE ARE SOME UNAUTHORIZED INQUIRIES ALSO
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted XXXX about old accounts reappearing on my report as negative. I asked them to update this information. They are reporting XXXX negative accounts. I only have XXXX accounts that is open and they are not negative.
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/2024 : I sent a letter to Midland Credit Mangement located at XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA In this letter I have apparently 2 Debts that I owe to Midland Credit Mangement : 1. XXXX XXXX  {$270.00} 2. XXXX  XXXX Bank {$680.00} Now under The Fair Credit Reporting Act ( FCRA ) 1682G ( B ) - Which states I have the right to request the proof of the Chain of Title of Ownership of any alleged debt reported on my credit reports. It also goes on to say that if the debt was aquired by a debt buyer ( Midland Credit Mangement ) like a collection company then they have to be able to provide proof of Chain of Ownership from the Original Creditor all the way to the current owner. 

In my letter it also states that a billing statement, notice, or any unsigned document is not verification of the alleged debt. Midland Credit Management has failed to provide me with the required documentation requested and has only sent me a billing statement to both of the alleged debts which is in direct violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act the following creditors have 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I want these accounts to be removed as they were removed before and now are re-appearing on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO Bank, N.A. (NJ)

I am filing a complaint about the BMO Harris Bank because I have received a bank statement about a checking account that was opened under my name without my approval nor my knowledge. I have never opened any type of bank account with BMO Harris Bank as I live in New Jersey and there are no BMO Harris Bank branches that are located in New Jersey. I had called the phone number that is listed on the bank statement a couple of times to verify who had opened this account but they refuse to disclose this information by either stating this this account does not exist or that they would close this account and submit a " credit dispute '' so that this would not negatively impact my credit score. I highly suspect that this is a case identity theft because in addition to opening the checking account without my approval nor my knowledge and not disclosing the information that I was asking for ; the bank statement that was sent to me appears to be fake as the po box address that are listed on this letter are inconsistent and does not match with the actual bank branch addresses that are listed on BMO Harris Bank 's website. I would truly appreciate it if someone can please take a look into this matter and take the necessary steps to report this company to appropriate law enforcement authority or make the public aware about these fake bank statements are being sent from BMO Harris Bank. 

I had filed a complaint with the XXXX XXXX XXXX about this matter. The response that I had received from BMO Harris Bank was the following : " We are in receipt of the complaint for the above referenced consumer. We welcome the opportunity to respond to the consumers inquiry. A letter was placed in the mail to the consumer on XX/XX/2023. We are not posting the contents of the letter in this forum. Please let us know if we can assist further regarding this matter. Thank you for taking the time to bring this matter to our attention. ". In addition, I received a letter from BMO Harris Bank acknowledging that the bank account was opened using my personal information without my authorization and they had recommended that I should file a complaint with the Federal Trade Commission about this issue.
Consumer complaint received 2024-04-23
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)

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 XXXX Account Number:XXXX has violated my rights. Or a 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 2024-09-02
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. (MO)

Upon reviewing my credit report I noticed some unauthorized inaccurate discrepancies on my credit report. 15 U.S.C. 1692c ( c ) states if a consumer notifies a debt collection company that the consumer refuses to pay the debt collector the debt collection company must cease all communication. Law 15 U.S.C. 1692cc prohibits debt collectors from communicating with third parties in connection with the collection of any debt. A debt collector may not communicate with a consumer in connection with the collection of any debt ( XXXX ) at any unusual time or place or a time or place known. This is a notification letter to the following debtor. No type of payment will be made on this unlawful debt. I request that the following debtor cease all communication. Account : ( XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
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: LEXISNEXIS (PA)

Subject : Request for Investigation of LexisNexis XXXX XXXX for Willful Non-Compliance with the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) initiate an investigation into LexisNexis Risk XXXX XXXX XXXX ( LexisNexis XXXX XXXX ) for what I believe to be willful non-compliance with the Fair Credit Reporting Act ( FCRA ), which has resulted in a violation of my federal rights. 

On XX/XX/year>, I sent a letter to LexisNexis XXXX XXXX XXXX XXXX, requesting validation of their verification of XXXX Record XXXX. This letter was sent via certified mail with tracking number XXXX, and it was received by the LexisNexis XXXX XXXX on XX/XX/year>, at XXXX XXXX at their XXXX XXXX XXXX address in XXXX, GA XXXX. 

Despite my request, I have not received a satisfactory response from LexisNexis, nor have they provided any evidence of proper validation of the bankruptcy record in question. This failure to respond appropriately is in direct violation of the FCRA, which mandates that consumer reporting agencies must investigate and verify disputed information within 30 days of receiving a dispute notice. 

The failure of LexisNexis to comply with the FCRA has caused me significant distress, including loss of sleep and the need for sleeping medication. I can no longer tolerate this situation, which has severely impacted my well-being. 

I respectfully request that the CFPB take the following actions : Investigate LexisNexis Risk XXXX XXXX XXXX for willful non-compliance with the FCRA. 
Demand the immediate deletion of XXXXXXXX Record XXXX from LexisNexis 's records. 
Ensure that LexisNexis ceases and desists from further dissemination of my personal information without proper validation or my written consent. 
Please be advised that if LexisNexis fails to comply with this request, I intend to pursue legal action for their willful non-compliance with the FCRA. 

Enclosed is a copy of the letter I sent to LexisNexis, as well as documentation from the Bankruptcy Court dated XX/XX/year>, which confirms that they do not provide information regarding case filings or dispositions to credit reporting agencies. 

I trust that the CFPB will take swift and decisive action to address this serious matter. I look forward to your prompt response. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-23
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: Experian Information Solutions Inc. (TX)

This is my second attempt to have my credit report corrected. Items were verified or validated that I didnt seek validation on. They are violating my consumer rights.I recently reviewed my credit report and discovered some inaccuracies and discovered fraudulent accIn accordance with the Fair Credit Reporting act, these Accounts being reported have violated my rights. 15 U.S.C. 1681 section 602 A States I have the rights to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am keeping all correspondence to use as evidence of willful violations with intent to seek litigation for $ XXXX per violation. these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is defamation of my character. I will seek litigation after this attempt.
Consumer complaint received 2024-04-23
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: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

I tried to cancel a transaction by filing a dispute & evidence to help them investigate & both times it was denied when I provided everything they needed. When I ask for documentation back they only have my documents no documents from the merchant so I dont know why I am being denied. I told them the merchant cancelled & has not given me my full refund back so I had to go through Chime to dispute it & they dont even tell me why they denied it they just show documents used to come to their conclusion & say that no error occurred no other information is given to me.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX  on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX  on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$550.00} ( private ) that appears related to the aforementioned personal loan account opened at Upgrade. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have attempted through all channels seek proper investigations into the reporting of accounts on my reports from all three major credit bureaus. All three credit bureau report that all information is accurate and they put only the account is included in bankruptcy, but still report account is closed or charged off to collectionssold off. Ill accounts before XXXX  should be marked as included in bankruptcy and not to report as charged off or sold for collections or derogatory. I have tried to fix this sold off. Ill accounts before XXXX  should be marked as included in bankruptcy and not to report as charged off or sold for collections or derogatory. I have tried to fix this.
Consumer complaint received 2024-04-23
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: Experian Information Solutions Inc. (AZ)

I have made XXXX separate attempts to remove/correct incorrect information on my Experian credit report. DEPT OF EDXXXX continues to show " Open/Never late. Deferred, payments begin XX/XX/year>. '' However, I have provided proof twice now ( copy of XX/XX/year> Letter from the Dept of Ed ) that the my claim was approved for settlement under the XXXX settlement agreement and this loan was discharged. I was even refunded monies paid toward the loan. The letter from teh Dept of Ed states the delete the credit report tradeline associated with the discharged loans. BOTH times I requested this dispute be handled by Experian ( by phone and letter ) I later received a notice that the dispute is updated, only to review the report and find NOTHING was updated at all. This account should not read " Open '' or " Deferred '' as it is discharged. Please assist.