davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
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 (CT)

This account is paid, me and the collection company make a agreement, PAID TO DELETE from my credit report, please remove this account from my credit report. 

Account name XXXX XXXX XXXX Account number XXXX Account type XXXX XXXX XXXX Individual Date opened XX/XX/XXXX Status Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX XXXX
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have paid off the debt owed to XXXX XXXX XXXX as acknowledged by XXXX themselves as you can see in the letters they sent me which I have attached as well as proof of my payments. However, Experian has not updated their records to reflect this and is instead showing my account as Derogatory and in collection/chargeoff status. This is untrue. As you can see XXXX and XXXX have removed the account altogether. 

It is illegal to report false information that results in financial injury, such as in this case. The account is not derogatory. And I am not in collections nor chargeoff. The account has been paid! It has been paid since XX/XX/2022. Their current status is hindering my credit severely which is leading me to sever financial distress. I'm getting denied for everything ( credit cards, mortgages, loans ). This is ridiculous. I made over {$100000.00} in XXXX. What do I have to do to get approved for a measly credit card? Make 10 Million!? Please excuse my frustration, it is very aggravating when you have dealt with this lingering black cloud for years and then you finally pay it off but the black cloud still won't go away!!!
Consumer complaint received 2022-11-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC. (CA)

XXXXXXXX XXXX ( Subsidiary of Texas Capital Bank ) has some issues on their systems. At different times of the day, they show wrong balances and wrong interest values etc., Currently, starting this month, two of my ACH withdrawals were returned and they blocked all my withdrawals. I don't have any way to take the money out ( as they returned all the withdrawals ), but they allow deposit ( very strange ). Now, I am very scared and there is no proper response from the bank, except some templated message, saying they have detected some unusual activity on my account. 

I don't know what is the unusual activity as after several messages, I haven't got back any answers from the bank. I don't know what they are investigating, as all transactions on the bank are legit and everything is very clearly listed. They have some issues on their system, which they accepted as good suggestion and said will work on it. 

So, my question, why my account is blocked from withdrawal and what is the unusual activity, that they are investigation. I have lost trust with the bank and I want to withdraw the money out ASAP as I feel very scared as the bank provides any valid reasons.
Consumer complaint received 2022-11-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I have reached out to all three credit burears to investigate inaccurate accounts on my credit report and they have come back " verified '' but i have yet to see a proper investigation of what iv asked for from themXXXX, XXXX and Experian are listing on my credit report that i have dept colletion accounts in the amount of {$4500.00}, {$9000.00}, {$4500.00}, {$2300.00} .All they have provided is the same old paperwork that i have received over and over. it states my name and address and amount i suppossedly owe. in this investigation i have requested that they send me the original binding contracts with my signature proving that i applied for theses account and i have not received my request .I know my rights as a consumer to not have my name or credit report slandered as it is and thus making it difficult to use my credit because so. The law FRCA 15 USC 1681 states that the must by law provide me the consumer with a proper investigation that is 100 % accurate. i have demanded these reports be deleted if they can not do a proper investigation and they have yet to delete then
Consumer complaint received 2022-11-12
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: OneMain Finance Corporation (WA)

Account Name : XXXX XXXX XXXX- Has Violated My Rights privacy and confidentiality under 15 U.S.C 1681 Account Date Opened XX/XX/XXXX Account # XXXX Amount owed as of XX/XX/XXXX {$3000.00} On Record Until - XX/XX/XXXX Status : Collection account Past Due As of XX/XX/XXXX Notes : Status : Shows Closed on XXXX XXXX XXXX but Open on XXXX & XXXX which should be closed as well. 

Account Name : OneMain financial Hard Inquiry Date XX/XX/XXXX On Record until XX/XX/XXXX Status Never Resolved Notes ; I Call to have to inquiry removed and Company never filed the Hard inquiry Supression with all three Credit Bureaus to have this matter resolved never heard a response back after my dispute. 

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.

15U.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 2024-03-31
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (WA)

Hello : I took out a line of credit from the company Credit Fresh thinking it would be like any other credit card in XXXX of 2023 for repairs to our home. I was very suprised when the company began to bill me on different dates of the month twice a month. The company refused to allow me to pick the date I could pay once I initally filled out my loan paperwork. The company 's website for payments is very vague. The company bills you lots of fees twice a month and it feels like you can never pay the balance down. If I had known that the company bills fees twice a month ( XXXX $ XXXX payments! ) I would never have signed up for this credit line. It feels like I am trapped and I can not get ahead to pay down the balance. I think it should be illegal for credit companies to charge you twice monthly with lots of fees and change the dates of your due dates on you. Sometimes they charge me before I get my paycheck. The website is so vague it is impossible to know if I'm making a dent in my balance. This company should be required to only charge a small fee and customers should only be required to pay an affordable amount that helps pay down their balance once a month, not a $ XXXX a month in payments for a {$4000.00} loan.
Consumer complaint received 2022-11-12
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: CORELOGIC INC (NV)

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 Please freeze this report and update my correct information. You guys make it nealry impossible to access my report My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached
Consumer complaint received 2024-03-31
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Grow Credit Inc (DE)

Its saying I opened an account for a loan and I asked for some type of verification as far my Signature they never sent it I never opened up and account for no loan they are saying a payment was made but it wasnt from me I have no knowledge of this account when I noticed this account was opened I called and did a chat to see when and where this account was open and asked if they can close it because I didnt open they told me that it was in my name and a payment was made on it but I didnt make no payment nor did I open this account
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Why did my XXXX, XXXX, and XXXX  credit score decrease by XXXX  points after applying for a Capital One credit card. This company placed my account in Over the limit status, dishonestly, unethically, unfairly, and deceptively. 

I received a credit to my Capital One credit card account from XXXX XXXX XXXX The credit was in the amount of {$56.00}. 

Capital One applied the {$56.00} to my account as a purchase instead of a credit again, unfairly and deceptively placing my account in Over The Limit Status Capital one again, unfairly and deceptively Capital one alleged Budget had a hold on my account. Not true at all. Budget had already released the rental car hold. 

Please see attached email from Capital One admitting the {$56.00} was an approved purchase instead of credit Capital One need investigating, exposure, and auditing. How many consumers are they doing this to. I feel Capital One is participating in internal fraud. 

I had to file an attorney general complaint on Capital One. 

Please see all attachments.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (GA)

The item on my credit report is not my account, it belongs to someone else. This identity theft. I have mail certified documents to XXXX supporting documents telling them this isn't my account. They fail to remove this account from m credit report. Acct : JPMCB Card is fraudulent account. I am requesting this account to be deleted from my credit report XXXX, XXXX and XXXX.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I received XXXX emails from XXXX on Friday, XX/XX/XXXX, that stated I had XXXX credit card inquiry on my credit report. I signed on to my XXXX account and noticed XXXX hard inquiries from XXXX back and Bank of America. I did not apply or attempt to open any new credit cards. I called XXXX on Saturday, XX/XX/XXXX and was told to call back on Monday since there fraud department is closed on weekends. I Called XXXX on Monday, XX/XX/XXXX, they advised me to file a report on the FTC website, as well as, call both creditors, XXXX and Bank of America.
Consumer complaint received 2022-11-12
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 — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC. (GA)

I had an account with Chrysler regarding a XXXX XXXX XXXX. I wanted to pay the balance off. I called to make a settlement with the dealership twice in which I advised could pay if they gave me a settlement amount. I know I had paid well over the cost of the in interest and fees. I asked the department and the advised me the amount of {$27000.00} on three occasion. I finally called back to let them know I could not continue with the payment and would have rather pay a settlement balance if possible. I had just made a purchase of another vehicle in which I paid cash for it was for the amount of {$19000.00}. and some change which I have documentation to prove. I called back at Chrysler and asked again and about a settlement and they provided a dollar amount of {$19000.00}. I have tried to resolve this matter at no end with this company. I even went as far as to Executive to file suit which the had an investigation and found both calls of me having conversation with each rep regarding options to resolve my loan. I checked my XXXX and see the have it in write off. which is now effecting my credit. I want to know if you can possibly help me.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

On XX/XX/XXXX I was notified on my credit report of a missed/late payment delinquency on my Toyota Lease account for my XXXX Is XXXX XXXX that I had leased through Toyota XXXX XXXX XXXX I called Toyota Financial Services on XX/XX/XXXX to inquire of this inaccuracy and spoke with customer service and was informed that payment had been received in XXXX on the XXXX and next payment due wouldve been XX/XX/XXXX as my usual due date. Payment was due XX/XX/XXXX and vehicle was declared a total loss XX/XX/XXXX by XXXX and paid with account closed XX/XX/XXXX. 
The late payment is inaccurate as XX/XX/XXXX wouldve been the accurate XXXX day delinquent time to report to credit bureau had the car not been deemed total loss by insurance and paid by insurance XX/XX/XXXX. Being that this account is in closed status as of XX/XX/XXXX and total loss department with Toyota Financial services, it should not be deemed delinquent payment and impacting my credit report negatively and dropping my credit score forinaccurate reporting. This is deemed to be inaccurate and an incorrect report that I would like to be removed from my credit report and disputed for inaccuracy. Ive attached all necessary documentation for review as evidence to suffice my claim. Please update and review accordingly.
Consumer complaint received 2023-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MA)

I keep telling Experian that XXXX XXXXXXXX XXXX that was opening on XX/XX/2017 isnt my account I never gave them permission to open account in my name I disputed multiple times and they still havent done nothing with this account as far as deleted it off my credit report. They always sold my information without my consent, so this is no longer my account
Consumer complaint received 2023-08-17
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. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$530.00XXXX XXXX XXXXXXXX Balance : {$530.00}
Consumer complaint received 2023-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I received a copy of my credit report from Transunion. The credit report showed a credit inquiries that I did not authorize. I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

I ask that they please remove this inquires listed below : XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXX/XX/XXXX I ask that TransUnion please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 

Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately. 

If you ignored this letter and do not delete the inquiry or do not provide strict proof of authorization I will have no other alternative than to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. Along with a litigation matter in my state court.

Finally, under Sec. 609 Discloser to consumer ( 15U. S. C 1681g ) ( A ) Information file ; source : report recipients : every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) ( 16811h ), clearly and accurately disclose to the consumer.

( 1 ) All information in the consumers file at the time of the request except that ( A ) If the consumer to whom the file relates request that the first 5 digits of the social security number ( or similar identification ) of the consumer not be included in the discloser and the consumer reporting agency has receive appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such discloser, and ( B ) Nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit score or any risk scores or predictors relating to the consumer.

( 2 ) The source of the information : except that the source of information acquired solely for use in preparing an investigation consumer report and actually use for no other purpose need not be disclose. Provide, that in the event an action is brought under this title, such shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 

Thanking you in advance, _________________________________
Consumer complaint received 2022-11-12
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. (DE)

ATTENTION CFPB THIS IS NOT A DUPLICATE REPORT THIS COMPANY AGAIN HAS VIOLATED MY RIGHTS! 

In accordance with the fair credit act, this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. 

FRAUD AGAIN, DO NOT HAVE MY WRITTEN CONSENT I'M PREPARINGTO TAKE THIS COMPANY TO FEDERAL COURT I WILL NOT SEND YOU ANY OF MY PERSONAL INFORMATION AGAIN!! YOU CAN SEE I
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

To whom it may concern, Please accept this formal letter as request to investigate and remove inaccurate items from my consumer report which include late payments, derogatory accounts, unauthorized inquires, and inaccurate reporting closed accounts from my consumer report, I have found it has errors. It has come to my attention that your company is reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. 1681a ( f ), you are governed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that its the responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. 1681 ( d ), to third parties.

According to Federal Law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681, et seq., including but not limited to : 1 ) Follow Reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., Burke v. Experian info. Sols., Inc. , 2011 WL 1085874, at *4 ( E.D. Va XXXX. XXXX, XXXX ) ( breaking down the requirements of 1681e ( b ), and explaining that assure means to make certain : put beyond all doubt, [ m ] aximum means to the greatest quantity or highest degree attainable [. ] And possible means something falling within the bounds of what may be done, occur or be conceived. ( quoting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) ) ; 2 ) Comply with the investigation requirements, as required by 15 U.S.C. 1681i ; 3 ) Should not provide consumer file to companies without determining that these companies had a permissible purpose to obtain consumer file pursuant to 15 U.S.C. 1681 ( b ) ; 4 ) Provide consumer file pursuant to 15 U.S.C. 1681 ( g ).

5 ) Et seq.

Accordingly, I request your company provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report.