davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-10
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. (WI)

I am a victim of identity theft and was reviewing my credit report this fall to check for accuracy. On XX/XX/XXXX and XX/XX/XXXX I was denied an attempted to dispute an address on my credit report because two debts that are not mine is reporting to this unknown address.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX is inaccurately reporting information on my credit report. I have never signed a contract with them agreeing to pay them any money owed. It is reporting as a collection account as of XX/XX/2020. The statute of limitations in South Carolina to collect on a debt is 3 years. The statute of limitations has thus expired. They are also report the collection as past due every month. A collection can not be reported as past due. Please have XXXX XXXX XXXX verify this debt and show indisputable proof that I owe them this debt. If they can not, please remove from my credit report immediately as this inaccurate information is having a negative impact on my credit profile as well as my credit score. I am currently trying to purchase a home for my family and this inaccurate reporting is hindering me from doing so. Thanks for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/2020 XXXX
Consumer complaint received 2023-02-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX, I made a serious mistake by listening to someone and sending 4 payments. Only 1 payment of {$140.00} was completed. I provided XXXX the phone number XXXX of the person who contacted me and acted like a company to instruct me to send money in order to get the refund. 

I also provided XXXX the website XXXX XXXX XXXX  where I provided my phone number for the agent to contact me for the membership refund. The website constantly changes its phone number weekly. The phone that I contact was XXXX. 

XX/XX/2023, after XXXX, completed their research and provided me with a letter stating unable to honor my claim. 

I totally disagree with XXXX or Bank of America 's action regarding not providing consumer protection on fund transfers. All fund transfers of any method must have protection for all consumers. Without consumer protection to avoid fault transfer clearly it's a serious error by not providing consumer protection.
Consumer complaint received 2021-01-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX Account number XXXX, XXXX In those months I have asked numerous times for a response to their investigation and I have not received anything in response from this bureau in several months, this is a violation of the FCRA 30 day investigation policy. Also This credit bureau is continuing to report the XXXX XXXX  account that should have been removed by order of the XXXX XXXX  company. I inserted a letter with my dispute in XXXX stating that the bureau should have removed this from my report but I'm still reporting. XXXX  removed this from my credit report but XXXX  and Transunion continued to report it as a closed account when it should have completely removed By the assertion of the letter. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Consumer complaint received 2023-02-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Western-Shamrock Corporation (TX)

Someone from XXXX called my friend. I don't know how they got my friends phone number and they told him that I was supposed to be in court and did not show up and that I was going to be served. My friend came to my house and told me that he spoke with XXXX XXXX from XXXX XXXX Court House and that I needed to call the number XXXX with my file number XXXX right away because I was in a lot trouble. So I got scared called the number and spoke to XXXX in XXXX. XXXX. She told me that I was going to sued for a loan from Western Finance that I took out in 2015 and that I needed to pay {$950.00} right now so that she can send an email to a someone so they won't serve me. I told her I don't know if the debt is mine. I am a victim of Identity theft and she stated that she has done her research and that it is mine and that I had to pay. I argued with her about to validate the debt but she stated that she was taking me to court and that I was going to lose and I was going to get a judgement she then hung up the call. Out of fear I called back and told her I didn't want any trouble and that I would pay but that I didn't have the amount she was asking for. She said to pay {$130.00}. I told her I don't have that money but let me see if I can borrow it, I was able to borrow it and paid her. When I paid her she told me that she had to record me agreeing to the payment plan. I agreed to everything because I was scared to be sued. I have never been in any trouble and XXXX 's tactics really scared me. I After I talked to my bank and to several people I learned that she had threatened me and that it is illegal for a debt collector to threaten a person for payment and it is illegal for her to still collect payment after the four years statue of limitations in Texas.
Consumer complaint received 2018-04-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I have disputed the portfolio recovery accounts on my report multiple times. XXXX XXXX have not sent me a contract showing my interest rate nor my signature. According to the 609 ( a ) Credit if something cant be verify it must come off my credit. They will send me a summary of a account but they dont have no original documentation. I will be reporting them to the the Arizona attorney general in 2 weeks if this is not of my Credit report.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper XXXX  step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Hello there this hard inquiry is by the company XXXX XXXX XXXX XXXX the date that this hard inquiry appeared on my credit report was XX/XX/2022. I have never been affiliated with no have I been to this dealership yet they are appearing on my credit report as a hard inquiry my rights have been violated as this has prevented me from getting future opportunities in the Auto industry. This company is using predatory tactics appearing on my credit report and I have never ever had any affiliation with this dealership whatsoever
Consumer complaint received 2024-08-24
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)

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.rights. 

account name # XXXX XXXX account number # XXXX  XXXX account name # XXXX XXXX XXXX account number # XXXX account name # XXXX XXXX account number # XXXX account name # XXXX  account number # XXXX 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 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I am filing this complaint on my own behalf to urgently bring attention to the fraudulent and erroneous personal information linked to my identity. I noticed certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have taken immediate action by reporting the incident.
Consumer complaint received 2023-05-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I investigated my updated report in XXXX XXXX  There are multiple errors in the accounts listing that are damaging to me including payment history, and account status. Please update for lawful accuracy these accounts listed below : XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is to inform the CFPB, with the respect that the agency, deserve that I am fully aware of the procedures on how the CFPB, helps us as consumers, I am a consumer practicing my legal rights, notice to agent is notice to principal, notice to principle is notice to agent, my understandings are the following, how does CFPB enforce to help consumers when they enforce the law, we or a court XXXX order the defendant to take action to remedy the harm it caused consumers. This can include requiring the person or company to compensate its victims for this harm by providing consumer redress. Obtaining consumer redress is a top priority in any enforcement action or public enforcement actions. When warranted by the investigation, Enforcement may seek authority from the Director to take a public enforcement action. Alternatively, Enforcement may close the investigation without taking public action or refer the matter to the Office of Supervision Examinations to resolve the matter through our supervisory process. If the Director authorizes a public enforcement action, we may bring the action in state or federal court or institute an administrative adjudication proceeding. Administrative adjudication proceedings are formal adversarial proceedings conducted by an administrative law judge, who issues a recommended decision to the Bureaus Director. The Director issues a final decision, either adopting or modifying the administrative law judges recommended decision. When we enforce the law, we or a court may order the defendant to take action to remedy the harm it caused consumers. This can include requiring the person or company to compensate its victims for this harm by providing consumer redress. Obtaining consumer redress is a top priority in any Enforcement action. In addition, we also have obtained a wide range of injunctive relief designed to stop unlawful conduct and prevent future violations. In some instances, relief has included banning individuals and companies from future participation in the marketplace. And just to let the CFPB know with all the respect the agency deserves which I has no intention to promote any unlawful, false, or fraudulent purpose, to promote or conduct an illegitimate object or purpose, or is being requested or submitted in bad faith or for the purpose of harassing or defrauding a person, those companies that I have mentioned on the PDF file linked to this report has violated several times and disregard the noticed send by certified mail. on all companies mentioned on this attachment please address and enforce those violations since I have been disputing those accounts for the past month and for the past three years. And with respect I am aware of 12 section 411 which I have a dress to all the companies mention on the PDF file which they have disregarded. 
thank you.
Consumer complaint received 2023-12-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NY)

I Hook up PayPal to my bank and there refusing to let me transfer money into PayPal from the bank they said it's lock and it will be unlocked in 72 hrs it's passed and still locked
Consumer complaint received 2023-10-07
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. (MO)

On XXXX  I filed a complaint due to inaccuracies being placed on my consumer report by Experian. Today is XX/XX/, upon my discovery Experian has not contacted all of the furnishers that I disputed on my consumer report. They only have two disputes on file for XXXX XXXX and the department of educationXXXXXXXX XXXX  This is a federal violation of the FCRA, as credit reporting agencies have to contact furnishers within five business days when a complaint/dispute is filed.
Consumer complaint received 2022-09-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AC AutoPay LLC, Denver, CO Branch (TX)

On Tuesday XX/XX/XXXX I applied with XXXX for a Lease buyout of my current vehicle. I was presented with 4 offers from different loan servicing companies. One of which was Autopay. Autopay showed the lowest rate upfront among their competition and upon further review of their offers there was an even better rate at a different term. The rates ranged as follows : Lease Buy Out Offer From : AUTOPAY Maximum Amount {$33000.00} APR 3.49 % Months* 24 Maximum Payment* {$1500.00} ADDITIONAL LOAN OPTIONS FROM AUTOPAY 3.49 % @ 36 months {$1000.00} 2.99 % @ 54 months {$710.00} 2.99 % @ 66 months {$590.00} Additional Stipulations, Terms and Conditions Check for year, make and model restrictions Check for mileage and loan-to-value restrictions Valid drivers license Proof of insurance Proof of residence Proof of income On Tuesday XX/XX/XXXX I was contact by Autopay to collect additional information to finalize the loan process. That included confirmation of the information provided during the original application and reviewing to confirm the vehicle details. 

On Thursday XX/XX/XXXX I was contacted by XXXX XXXX at Autpay. She confirmed my details and shared that I had been approved. She confirmed my credit was fantastic and income was well above what was needed. She shared with me that their preferred bank XXXX, I believe, came back at a rate of 5.3 %. That is > a 200 basis point increase from the original offer in a mere 72 hours. 

I shared my displeasure with XXXX at that time and told her this was unacceptable. I then contacted XXXX to share this incident with them. I spoke with them on Friday XX/XX/XXXX. They asked for a 48 hours to try and reach out to Autopay to understand what was going on. 

XXXX as manger from Autopay contacted me on XX/XX/19 as I informed them I was unsatisfied with their tactics and wanted to get them an opportunity to resolve before I submitted a CFPB complain. He reviewed my file and acknowledged that I have a near perfect credit score and they vehicle value far exceeds the requested loan amount. He confirmed that per the terms and conditions there was nothing that changed to rationalize a > 200BP rate change in 72 hours. He openly acknowledge that they advertise rates that may not be able to be honored. this is a blatant bait and switch tactic. They showed a lower rate than their competition with no intention to honor that rate. He simply stated that they are at the liberty of their lenders and that is what the final rate came back at.

I have additional email documentation on the dates if necessary. Also all calls were on a recoded line by Autopay. If you were to ask for the call logs you will hear for yourselves the same things I heard.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MARINER FINANCE, LLC (NC)

I am writing to lodge a complaint against Mariner Finance, in connection with their unlawful and impermissible access to my credit report and their subsequent failure to address an identity theft incident, in direct violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>2024, I became aware that fraudulent accounts had been opened in my name without my knowledge or consent. As soon as I discovered this, I took immediate action by filing an Identity Theft Affidavit with the Federal Trade Commission ( FTC ), a police report, and by notifying the XXXX, XXXX, and XXXX to dispute these unauthorized accounts and have them removed from my credit file under FCRA Section 605B. Despite submitting all required documentation, I learned that Mariner Finance accessed my credit report without a permissible purpose under the FCRA. I have never sought credit from Mariner Finance, nor did I authorize them to obtain my personal information or open any accounts in my name. This constitutes a clear violation of the FCRAs permissible purpose provisions, as outlined in 15 U.S.C. 1681b, which mandates that a credit report may only be obtained for specific, legally authorized purposes. 
Mariner Finance accessed my credit report without my authorization and without any legitimate or permissible purpose. At no point did I initiate or consent to any financial relationship with Mariner Finance. Despite being provided with sufficient evidence, including my Identity Theft Affidavit and FTC report, Mariner Finance failed to block or remove the fraudulent accounts from my credit file as required under FCRA Section 605B. This unlawful access to my credit report, coupled with Mariner Finance 's failure to take corrective action, has caused significant harm to my financial standing, character, and ability to obtain credit. The derogatory marks stemming from this identity theft have severely impacted my credit score, creating unnecessary hardship.

I am seeking the CFPB 's intervention to investigate Mariner Finance for impermissible access to my credit report in violation of FCRA ; ensure that Mariner Finance immediately removes any fraudulent accounts or derogatory marks stemming from this identity theft from my credit report and hold Mariner Finance accountable for failing to act in accordance with FCRA Section 605B and for the continued harm caused by this negligence. Please note that I have retained documentation including my Identity Theft Affidavit, FTC report, police report, and correspondence with both the credit reporting agencies and Mariner Finance, which I am prepared to provide as evidence to support my case. I trust the CFPB will take swift and decisive action to rectify this matter. If Mariner Finance fails to comply with my request to resolve this issue, I will have no choice but to explore additional legal options to protect my rights and financial well-being.
Consumer complaint received 2020-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was traveling in XXXX, XXXX and tried to withdraw XXXX pesos from a bank ATM ( XXXX ),  which was the equivalent to {$970.00} US dollars from my Capital One 360 Checking account. The ATM said transaction failed, and I didn't end up getting the money. But it still said the money was debited from my checking account. I filed a claim, but today I was emailed saying my dispute was denied.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Fraudulent accounts open with authorization. 

XXXX 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 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.
Consumer complaint received 2023-05-11
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)

This is one of my numerous attempts to inform credit bureaus that I have been the victim of identity theft and that I want to check specific data in my documents that were obtained as a result of the crime. The records I'm looking at have nothing to do with any purchases of goods, services, or money that I've made or authorized. Remove off my credit record any information that was allegedly obtained by fraud or extortion, assuming no one is looking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX