davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2024-06-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I purchased a new SUV. I am XXXX years old. At the signing of the contract I was told my interest rate would be 2.99 % with auto deposit for 63 months. I now see the interest rate is 4.29 %. Also, at signing of the contract i was told their was no LIFT. I did not know that meant you would have to open the trunk manually. Here I stood befoe a salesman I told I need a car that is easy for a senior to operate and use. I am XXXX tall. I can not even close the trunk after i open it. I went back to the XXXX dealership and they told me their was nothing they could do. That model does not come with a LIFT nor is it companible to have one installed by them or a private dealer. It is a 2023 who would think there is no automatic trunk at {$38000.00} dollars???? 

I believe I was scammed and not given the correct information when I bought this vehicle. Now I find even the interest rate isn't even what they told me it would be. I have my contract for review if needed. 

That salesman is not longer with the company. I would like you to look into why he is no longer with the company. 

Any help you can give me to resolve this unhappy problem would be appreciated. I have never filed a complaint againt anyone and I stongly belive that XXXX in all scopes is not a reputable company to do business with. They need to be stopped before they scam any other unsuspecting senior citizens. 

Thank you, XXXX XXXX
Consumer complaint received 2024-06-12
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Property Receivables, Corp (FL)

I was XXXX sided with with a collection account from Property Receivables Corp ac # XXXX reporting to XXXX. It is unlawful to report negative information to my credit report without giving me an opportunity to validate debt of pay prior to reporting. The FRCA states that I must receive a notice of collection which I never received. I need assistance getting this removed from my credit report and allowing me my rights within the law.They are not complying with FDCPA.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

am writing to file a complaint against Capital One regarding the improper closure of my account. While I was traveling, Capital One restricted my card. Since I did not have the physical card with me, I provided my ID through their digital system. Despite this, Capital One abruptly closed my account. ( capital venter card XXXX XXXX XXXX XXXX ) Capital One claims that on XX/XX/XXXX at XXXX XXXX someone confirmed that the application for the card was fraudulent. However, I never received any call from them, which I verified by checking my call log. I am confident that they mistakenly contacted someone at my old address who is not me. This person likely responded incorrectly due to a lack of proper identification verification from Capital One. 

I requested information on which number Capital One called, but they refused to provide any details. Furthermore, they permanently closed my account and card, demanding that I fulfill my financial responsibility without offering any clear explanation or an opportunity to address the issue. 

I believe this situation arose due to a failure in Capital Ones verification process. If they had properly verified the name and birthdate, this issue would not have occurred. This has caused significant inconvenience, especially since I am currently traveling. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and assist in resolving it. I seek re-evaluation of the account closure, a detailed explanation of the investigation process, and ideally, the restoration of my account. 

Thank you for your attention to this matter.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Conn's, Inc. (TX)

The information listed on my credit report is erroneous which is against state and federal law. According to FCRA you are only to report accuracies on my credit report. This account is aged and past the statute of limitations which is seven years. Conns continues to keep adding this account to my credit report every other month. This account was opened in XXXX and wrote off by Conns in XXXX. I am requesting a civil liability for willful noncompliance ( 15 U.S Code 1681n ).
Consumer complaint received 2017-05-16
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: TD BANK US HOLDING COMPANY (FL)

Recently became aware of a credit card with td bank that was opened in my name by my sister and her husband. The account is past due and affecting  credit score  because both my sister and her husband were killed in an auto accident so nobody is making payments on it anymore. This is how i became aware of the account by getting phone calls about a past due account. Spoke with banks fraud department and informed them that I knew the individuals that opened and were using the account but that I did not open or use the account and they requested a statement as well as the death certificate of my sister which I faxed to them. After 2 weeks never heard back from them and called them again to get the status and was put on hold for over 30 minutes and when the rep returned she simply told me that the account had been closed and when I asked what that meant I was not given any further information. I assume they are refusing to assist with this fraudulent account since they would not say anything more other than the account was closed and there was nothing they were obligated to do.
Consumer complaint received 2022-10-22
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-01
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2017-05-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Bank of America has denied my appeal and they said it would take 30 days. They are saying my income is {$2200.00} a month. My income is only {$940.00} and my sons social security  XXXX  is {$660.00}. I faxed them this information and my total income is {$1600.00}. But I have appealed it higher people in bank of america. I am not employed and I do not receive any extra income that would equal to {$2200.00}. Bank of america is causing me undue   XXXX   XXXX  . But I am working with them and have made payment arrangements to pay the {$3000.00} by the end of this month  XXXX . And when the payments are caught up I will set up a automatic payment withdraw from my checking account. Also by Alabama law a home owner is suppose to be 17 payments behind. Bank of America has gotten {$20000.00} which they never applied to the balance of my loan and its not fair what they are putting me through, i do have my bank statements proving which payments have cleared my checking account.
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In my previous letters, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2017-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NE)

On  XXXX   XXXX ,   XXXX   I filed an unauthorized dispute for transaction  XXXX  on my CC. This transaction occurred at a gas station on the West coast. I live in  the Midwest and   have not used that card on the  West  coast ever. Their fraud models missed the clearly inconsistent activity of this card use.     Although my account is completely services online, I was sent a physical letter requesting additional confirmation from me that the transaction was unauthorized. The letter required me to check a box and sign it. Then mail, fax, or drop off a copy of the letter at a branch.     I called into the customer service center to verbally report the unauthorized transaction on  XXXX   XXXX ,   XXXX  , and I was once again told I would need to do this additional step to report the transaction.     Considering all other aspects of the account are serviced online, this additional physical letter requirement to file a dispute, appears to be an intentional deterrent to filing a dispute. The entire dispute process should be able to be done online.
Consumer complaint received 2018-04-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

I asked do proof that they verified with the courts that this bankruptcy was in fact mine. They have refused to provide me wit that proof. I contacted the court myself and asked how they verify with the equifax and they noted that they do not. I sent equifax the letter from the court stating that they do not verify anything with collections agencies and they still refuse to remove from my credit report. I have attached the proof I received from the court stating that they do not verify anything. Ive contacted equifax numerous times to get this bankruptcy removed from my credit file as it has been removed from the other 2 collection agencies.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-28
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. (NY)

I have disputed this negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations.
Consumer complaint received 2023-06-14
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. (GA)

I, XXXX XXXX, am the natural person and consumer identified under the FDCPA and FCRA. It has come to my attention that my right to privacy as a private individual, as outlined in Title 15 U.S.C 1681 ( a ) ( 4 ), has been repeatedly violated. I want to emphasize that I have never provided written permission, as stated in Title 15 U.S.C 1681 b ( 2 ), for any of these transactions to be posted. Furthermore, my credit card, defined in Title 15 U.S.C 1602, has been utilized without my written consent. 
According to Title 15 U.S.C 1681s, it is your responsibility to enforce administrative actions. I must point out that the minor companies, namely Equifax, XXXX, and XXXX, are liable, as per Title 15 1681 2 ( b ), for their failure to make sufficient efforts to maintain accurate information. Due to the inaccurate information present on my consumer report, I have filed an identity theft report with the FTC. You have 4 days to remove these inaccurate accounts after filing identity theft report pursuant to 15 U.S.C 1681 c-2 ( e ). Proof of identity has been attached also. Along with FTC affidavit. 


I am writing to urgently request the immediate removal of the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request your immediate attention and resolution of these matters. 

Sincerely XXXX XXXX
Consumer complaint received 2017-05-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BBVA FINANCIAL CORPORATION (FL)

On Tuesday,  XXXX   XXXX ,   XXXX  . I received via email a solicitation for an  Express signature loan with BBVA.  I went ahead and filled out the information, requesting  XXXX  for debt consolidation. I was immediately approved and given the option to choose the length of the loan, payment due date for automatic debit and it also provided the interest rate. After I viewed that page it another page came up stating for me to take my loan details to a branch to finish and have disbursement completed. Well I put in my zip code and there is not a BBVA branch within  100  miles of my location which is  XXXX . I contacted customer service immediately and explained the situation. They also saw where I was approved for the loan but also stated the same thing the closes branch is  a 5 hour drive for  me. The person I spoke to that day requested my phone number and stated her and her supervisor where going to reach out to a branch and see if the paper work could be sent by mail or even for me to sign electronically. I said perfect. I did not hear back from them all week. I contacted BBVA again on Monday  XXXX   XXXX . Explained everything to a new person. she did see all the notes and tells me I can open a checking account with them and then they could just transfer the money of the loan into that, I aid perfect if that 's what 's needed no worries. We went ahead and opened the checking account with the rep on the phone. She places me on hold and came back several times stating that was not working either, That the fulfillment team was trying to transfer the funds into the checking account but it needed my signature. I explained again I have no problem going to a branch there is just none by me. So after being on the phone for abou t 2 ho urs they stated they needed my signature, so after being approved for the loan, opening up a checking account I do not need I still can not get my funds for the loan. I really do need this loan to consolidate my bills.
Consumer complaint received 2024-03-28
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-01
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. (TX)

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

On XXXX XXXX, 2017 I received an e-mail from my XXXX XXXX account as well as XXXX XXXX stating that there is a new inquiry on my account for a XXXX business account. I have never applied for a business account with my credit card provider and have since been told that they were looking into it. I 'd like for the inquiry to be removed and a further investigation to be conducted. 

With Gratitude, XXXX XXXX
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I am writing to bring to your attention what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ) by the credit reporting agency, Equifax.

Section 609 ( 15 U.S.C. 1681g ) of the FCRA affirms my right as a consumer to access all information in my credit file. However, for several months now, I have been unable to access my credit report or scores via the 'MyEquifax ' website. The last update to my credit score received was on XX/XX/XXXX, despite the website repeatedly stating that " Your next credit score will be available in 25 days. '' Moreover, when attempting to view the history of my credit report dates, only two entries appear : XX/XX/XXXX and XX/XX/XXXX. These entries do not reflect any accounts reporting on my report, contrary to my actual credit activity. 

These inaccuracies are concerning, as they might indicate a violation of Section 611 ( 15 U.S.C. 1681i ) of the FCRA, which entitles consumers to dispute and correct inaccuracies in their credit reports. 

To resolve this, I attempted to contact Equifax directly but my efforts were unavailing. I was repeatedly transferred to various departments with no resolution or acknowledgment of the issue at hand
Consumer complaint received 2018-04-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIDELITY CAPITAL HOLDINGS, INC (GA)

I spoke with a representative by the name of XXXX XXXX in XX/XX/XXXX. She stated that if I paid the balance in full the entry on my credit report would be deleted and it would be like it was never there. I paid the balance in full on XX/XX/XXXX. To date, the entry has NOT been deleted from credit report as promised. I emailed the associate about it on XX/XX/XXXX and I have not received a response. They lied to me in order to collect the debt which a violation of the FDCPA, for which I will take legal action against them and XXXX. I would highly recommend the CFPB take a closer look at this debt collection company. Their practices are abusive and unethical.