davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Auto has reported late payments for XX/XX/year> and XX/XX/year>. 
These entries are both unauthorized and inaccurate, and I am requesting their immediate removal from my credit report. 

**Inaccuracies and Legal Violations : ** 1. **Absence of Explicit Consent for Credit Reporting : ** The auto loan agreement with Capital One Auto Finance does not contain any explicit provision or clause granting Capital One the authority to report my payment history to credit bureaus. The contract only specifies my obligation to repay the loan and the consequences of default, such as repossession of the vehicle. This omission is misleading and deceptive. Reporting this late payment without clear, explicit consent is both unauthorized and unethical.

2. **Fair Credit Reporting Act ( FCRA ) Compliance : ** Section 623 ( a ) of the Fair Credit Reporting Act ( FCRA ) requires furnishers of information, such as Capital One Auto Finance XXXX to report accurate and complete information to credit reporting agencies. The presence of this inaccurate late payment on my credit report is a clear violation of the FCRA, as it misrepresents the actual status of my account. 

3. **Unethical and Misleading Practices : ** Reporting this late payment without my explicit consent significantly impacts my creditworthiness, which is unethical and misleading. It fails to provide a fair and accurate representation of my credit history and violates the principles of honest and transparent credit reporting.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

TRUIST BANK CLOSED MY ACCOUNT ON XX/XX/year>. MY AVAILABALE BALANCE ON THE ACCOUNT WAS {$9600.00} AT THAT TIME. FOR 3 MONTHS I'M FIGHTING WITH THE BANK AND CAN NOT RECEIVE MY FUNDS HELD WITH THIS BANK. 
THEY HAVE WRITTEN OFF THE BALANCE ; AS OF TODAY ( XX/XX/year> ), THEY HAVE REDUCED MY AVAILABLE BALANCE TO XXXX. THEY CLAIM THAT THE FUNDS ARE HELD FOR THE RECOVERY REASONS AND NO OTHER INFORMATION IS BEING PROVIDED TO ME, NEITHER THE TIMELINE OF THE SO-CALLED " FRAUD '' INVESTIGATION. NOT ONLY THEY REFUSED TO ACCEPT MY REAL BUSINESS RELATED CHECK DEPOSITS, ALSO THEY CLOSED MY ACCOUNT ON THE " FRAUD '' SUSPICION AND REFUSING TO RETURN MY FUNDS. THEY ARE JUST ROBBING MY ACCOUNT ON THE HIGHWAY IN THE MIDDLE OF THE DAY! 

TRUIST BUSINESS ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-02-20
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 (NY)

I've been wrongly charged multiple times by XXXX XXXX, even when I didn't have sufficient funds in my account. Despite reporting this issue to Wells Fargo, my bank denied my claim. These charges were unauthorized, and I've reached out to XXXX XXXXXXXX XXXX customer service via email but received no response. It's worth noting that I only used their services once and did not sign up for any recurring subscriptions. These charges have depleted all my funds, and I'm in urgent need of resolution.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Experian Report # XXXX I had placed a credit freeze on my credit reports. Because I don't know what the password is for my Experian account or the email I used I contacted the company by mail twice - XX/XX/year> and XX/XX/year>. I provided copies of my Driver 's License and two recent bills to verify my identity. 

I finally received a response with a form letter to call a number for assistance - XXXX. The number does not permit me to speak with a live person. Instead, I'm given instructions to access my account. The last set of instructions the company gave on its website was to contact it in writing. 

In order to access my account and reset the password I need to give a phone number. The phone number on file with Experian has changed. Hence, without a phone number, email, or password I have no way of unfreezing my credit report, if I were in need of it. 

When I initially froze my credit score as a precaution to protect against scams and identity theft - I was given a code/number to use in case I forgot my password ( or email ). I have this number. But at no time am I asked online for it when I've tried multiple times to access my account online.

As a Consumer- why do I even have to be listed with these people?
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX XXXX Attn : Customer Service XXXX XXXX XXXX XXXX XXXX, NV XXXX Dear XXXX XXXXXXXX XXXX XXXX , I hope this letter finds you well. I am writing to bring to your attention an update that needs to be reflected on my credit report with Experian. According to the latest information on my credit report, a new account has been reported by XXXX XXXX XXXX XXXX, and I appreciate your efforts in keeping my credit history accurate. 

However, there seems to be a discrepancy in the reported balance. As of the latest statement, the outstanding balance on my account is {$62.00}, but my credit report currently reflects a different figure. To ensure the accuracy of my credit information, I kindly request that you update the reported balance on my Experian credit file to accurately reflect the current status of my account. 

Here are the details for your reference : Source : Experian Company : XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Balance : {$300.00} I understand that occasional discrepancies may occur, and I appreciate your prompt attention to this matter. Please update my credit file at your earliest convenience and confirm the resolution of this issue. If you require any additional information or documentation to process this request, please do not hesitate to contact me. 

Thank you for your cooperation in maintaining the accuracy of my credit information. I look forward to your prompt resolution of this matter.
Consumer complaint received 2024-01-05
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)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-29
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. (CA)

XXXX Late payment. XX/XX/2023 In accordance with the fair reporting act this creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-16
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (TX)

XXXX notified me that I owed them {$1100.00}. I was then contacted by a debt collecting agency, True Accord of the same matter. But I disputed it because I have no knowledegw of what I owe XXXX for, neither did I owe on ANYTHING before I disconnected with them ( Phone was paid off before disconnecting ). On XX/XX/XXXX I emailed True Accord The information regarding XXXX is inaccurate, the dates, the balance & the payment history. Im asking you to remove it & send me documentation on all of the account history. True Accord replied via mail, XX/XX/XXXX : XXXX states I owed them {$1100.00} in XX/XX/XXXX. That is it, that is all. I asked for ALL history to see for myself AND to help them but it shows no history neither does it breaks down what I owe for.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

XXXX XXXX in full XXXX for {$3900.00} made to Capital One for account XXXX XXXX XXXX Confirmation code : XXXX XXXX Capital One rejected payment- Returned Online XXXX XXXX XXXX XXXX Balance in full Payment for {$3900.00} made to Capital One for account # ending XXXX. Confirmation code : XXXX XXXX Capital One rejected payment- Returned Online XXXX XXXX XXXX XXXX  Capital One charged {$29.00} Past Due Fee XXXX Capital One closed account # ending XXXX. 

XXXX XXXX in full, minus {$29.00} past due fee, payment for {$4000.00} made to Capitol One for account XXXX XXXX XXXX Confirmation code : XXXX XXXX Contacted Capital One regarding rejected payments and found account had been closed. Spoke with representative who would only read a script stating account was closed in accordance with contract with Capitol One. 

XXXX repeated same script and refused to provide any contact information on how to escalate to XXXX or XXXX response/complaint department. XXXX refused to give name or agent ID #. Stated there was not other option and disconnected call. 

Contacted XXXX agent with Capital One, verified account information from online payment was correct with bank and processed payment over the phone. 

Asked agent to waive past due fee for {$29.00} based on system error and was denied the request. XXXX stated there was no other department to assist with complaint for waiving {$29.00} fee or reopening account based on system error. 

XXXX XXXX for {$4000.00} cleared bank.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (OR)

In XXXX of XXXX I contacted " XXXX XXXX, '' a local heating and air conditioning installer. I contracted for the purchase and install of an A/C unit. During the process they informed me that they could offer a 0 % interest consumer loan on the unit via a program with Wells Fargo. At they time they did not state that this was a credit card, simply that it was a consumer loan. As the money was offered at 0 % and no discount was offered for cash payment I accepted the loan offer. As I recall I was provided a short online application via a link. I then setup a payment of {$970.00} per month to service the loan. This payment was recommended as the monthly payment by Wells Fargo. 

I looked at the app on a regular basis and made sure my payments were being made on time. I also looked at my statement a few times. Statements were delivered electronically. my statement and noted that I was paying no interest or fees. On XX/XX/XXXX of this year I again reviewed my statement as I felt that I was getting near the end of my loan. XX/XX/XXXX my loan balance was only {$11000.00}. I was horrified to find out that in XXXX of this year Wells Fargo added {$11000.00} of " accrued interest. '' I continued to make automatic payments after this as I did not notice the interest. Obviously I would never have agreed to a 28.99 % interest on this loan. It was never even disclosed to me as a credit card. It was a " 0 % interest loan from Carrier, the equipment manufacturer. '' I assumed that this was a promotional financing offer from the manufacturer, offered to the dealer to increase sales.
Consumer complaint received 2024-01-05
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. (NJ)

It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately
Consumer complaint received 2024-01-05
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. (IL)

Per FCRA 604 ( 2 ) Permissible Purposes as a federally protected consumer each this is a direct violation of federal law. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. In violation of FCRA ( A ) ( i ) you have furnished a consumer report without my written consent and have fail to to produce evidence of said disclosure as described within the FCRA.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received a letter from XXXX XXXX Bank of America that they could not approve my XXXX XXXX XXXX XXXX card right now ( thank goodness ) - I did not apply for this card.
Consumer complaint received 2024-01-05
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: Experian Information Solutions Inc. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-09-15
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. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please delete these accounts immediately.
Consumer complaint received 2023-07-28
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 need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 


XXXX XXXX XXXX   XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

As of XX/XX/XXXX, noted there was a change to my personal profile on XXXX XXXX site. Primary name is now reported as XXXX XXXX XXXX instead of XXXX XXXX XXXX. I called Transunion XX/XX/XXXX and was advised the name change is due to creditor reporting. XXXX XXXX is the only credit card reporting this change. Transunion advised me to contact XXXX XXXX. When I called XXXX XXXX, I was advised Transunion is the reporting agency that is causing the change. I advised I would contact CFPB as I am getting nowhere with either entity.
Consumer complaint received 2024-01-05
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)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-01-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

I was denied for housing because of 2 accounts being reported to my Experian report by pro collect saying I owe {$1400.00} and {$96.00} in apt debt. I'm XXXX and this is identity theft I signed my lease in XXXX XXXX XX/XX/2019 so i didn't open any account on XX/XX/2019 or XX/XX/2019 for an apartment with the debt collector or the retreat apts. please remove this fraudulent information from my consumer and rent grow report. I submitted my lease and my California drivers license as well as an AFFIDAVIT proof of my XXXX as well as proof I was in the hospital and living here in XXXX XXXX when these fraudulent accounts were opened. also pictures of what there reporting stopping me from getting a new place leaving me homeless. 

Experian reported to XXXX XXXX and because of this I was denied housing I need this removed asap.