davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-18
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. (CA)

On the letter from XXXX XXXX XXXX XX/XX/2022 I have received a a response and on the front page it says XXXX XXXX XXXX and the back it's says XXXX XXXX and they credit XXXX XXXX said XXXX XXXX took the car to the body shop which was a lie because car has been repossessed and if it hasn't like XXXX XXXX XXXX is saying in the letter I received in XX/XX/XXXX it states that it has been repaired using the gap insurance from the XXXX XXXX down payment but how can you have did that if the vehicle wasn't reposed and it stated that I voluntarily signed a contract I will upload the contract and it's not my signature there was two contracts I disputed with Experian they removed one and kept the other this would make the photos that Im uploading valid the vin number has been assigned to a new state it's been declared a total loss which it stated in the letter so it should be upgraded to positive or removed I disputed the amount on the contract with Experian before for being XXXX and they removed one contract and updated the contract to the amount of XXXXalso from the previous dispute with XXXX XXXX on the contract the cfpb sent my complaint to the ftc and I also made an ftc report I will be uploading these documents removing one contract and updating it to another contract regarding 15 us code 1681s-2 responsibilities of furnishers if reporting information to consumer agencies without my consent it's illegal and on the letter credit acceptance sent to me on XX/XX/XXXX it says to settle a debt only if the vehicle did not get repossessed which they did so there saying there not going to remove it which is illegal
Consumer complaint received 2022-09-13
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: Experian Information Solutions Inc. (CA)

The XXXX accounts have never returned to me that the account belongs to me, I believe my privacy rights have been violated. This derogatory information has hindered me receiving housing. 

XXXXXXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-06-03
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/202XXXX XXXX
Consumer complaint received 2022-12-18
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: Experian Information Solutions Inc. (NC)

This is my second time reaching out to you about this matter, but I am a Victim of Identity Theft from XXXX Data Breach. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. My claim number is XXXX for my Data Breach Settlement. 

The accounts and addresses are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GAXXXX  XXXX XXXX XXXXXXXX  GAXXXX AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. THAN
Consumer complaint received 2022-12-18
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)

This is my second time reaching out to you about this matter, but I am a Victim of Identity Theft from Equifaxs Data Breach. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. My claim number is XXXX for my Data Breach Settlement. 

The accounts and addresses are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX$790.00} XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GAXXXX XXXX XXXXXXXX XXXX, GAXXXX AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. THAN
Consumer complaint received 2022-12-18
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: ORG GC GP BUYER, LLC (PA)

I live in XXXX. Someone with the same name or just used my name, opened an account with XXXX XXXX  ( XXXXXXXX XXXX XXXX  ). They used my SSN to open the account sometime around XX/XX/2022 in XXXX XXXX. By XXXX, {$2900.00} was owned on the account. On XX/XX/XXXX, I received an email alert that at Potentially Negative- Major Derogatory appeared on my credit report. I immediately disputed it on XXXX, and I contacted GC services ( collection agency ) to inform them that it was fraudulently opened under my name and SSN. They said it was actually above {$3000.00} at this point. Then I called XXXX and we decided to close the dispute and report it as fraud. I received a letter from the collection agency on XX/XX/XXXX along with some of the bills that were sent to the Illinois address. I wasn't quite sure what they said in the letter. So, I contacted them again and they said we were all good. It seems like XXXX agrees. I continue to see the collection on my credit report. I keep disputing that hoping to have it removed. It was fraud but yet it continues to hurt my credit rating. Is there any way to have it removed?
Consumer complaint received 2022-06-03
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: Experian Information Solutions Inc. (FL)

The purpose of this complaint is to bring attention to the XXXX XXXX and violation of my fcra rights. There is an account on my profile from XXXX XXXX XXXX XXXX  acct # XXXX. This account is currently only reporting to experian, Ive advised and dispute this account with Experian in the past. I was finally relieved when I received updates on Experian website that the account had been removed ( please reference XXXX. Ive included images from Experian as website saying the account has been removed ) yet and still the account is still being reported until this date. A company is permitted 30 days from the date of my complaint to respond its been XXXX  days and there still hasnt been a response. So, what did I do? I file another complaint with the cfpb simply because Experian has violated the fcra and XXXX rights responded to my complaint, at all that case # XXXX. So, why am I filing a third complaint for record purposes. Ive included a screen shot showing that since my initial complaint this year against experian regarding this account that while they advised you they launched an investigation they NEVER DID, UNTIL RECENTLYwhich means that the dispute perhaps fell through the cracks? Maybe someone forgot to issue a complaint. Even know there is no notice of dispute on record, which means no contact has been made with creditors..Im simply asking that my consumer rights are honored and no longer scoffed at and ridiculed I matter, my credit matters I just want my life back
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

I opened a secured card with discover in 2020. After one year of making payments on-time, the {$200.00} security deposit was supposed to be credited back to me. Discover sent a paper check which was rejected by both my bank and local check cashing outlets. 
I contacted Discover 3 times at their XXXX XXXX XXXX office and was informed an ACH transfer would take place. 
When this didn't happen I filed a complaint with the XXXX XXXX XXXX. A member of their President 's Office contacted me and informed me that I was mistaken, " the check sent can be cashed anywhere '' and he re-sent another paper check printed on paper which is not readable by my bank or check cashing outlets.

I would like an ACH transaction or a statement credit. Discover is in violation of the agreement which I signed when opening the credit card which stated that the {$200.00} security deposit was refundable.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX  bankruptcy dismissed 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 chapter 13 bankruptcy dismissed. I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-06-24
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)

XXXX XXXX XXXX, and XXXX XXXX has appeared on my credit report as a negative collection. 

I have no knowledge of this collection accounts.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

15 U.S. Code 1681b- Permissible purposes of consumer report. ( A ) ( 2 )
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One is reporting incorrect information on my personal credit report despite 2 previous attempts to correct. The two previous investigations have been poor, lazy and misguided. Capital One is more interested in CLOSING disputes within 30 days then correct the issue for the customer. 

Now for the THIRD time, a 30 day delinquency is being reported on my Closed Capital One account for XX/XX/2019. This delinquency is showing due to being an identity theft victim. Capital One is the ONLY company to date, that has handled this case so poorly and not corrected the issue. 

The only way it can be resolved is via a conversation with the writer of this report. Not a cookie cutter response to close the complaint within 30 days. And if the Capital One Reps needs to leave a message, please be courteous and answer the call back and or return the call without closing the complaint before speaking with the customer ( being me ). A crime was committed and Capital One is treating the matter as if they could care less. 

Contact Info : XXXX XXXX : XXXX XXXX XXXX
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (PA)

Starting XX/XX/XXXX unauthorized transactions were being made on my PNC checking account through online purchases using my debit card number ending in XXXX. These are the transactions made in XXXX : XX/XX/XXXX {$82.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$110.00} I disputed these transactions and was issued a provisional credit. The debit card ending in XXXX was closed. On XX/XX/XXXX the provisional credits were removed from my account. PNC denied my dispute, I requested the reason and planned to wait for their documentation in the mail. 

On XX/XX/XXXX more unauthorized transactions showed up on my account. These transactions were online purchases, from the same merchant as my original dispute, and using the closed debit card ending in XXXX. I disputed this again with PNC and told them about the debit card being closed in XXXX. I asked how this is possible and they did not know. I also asked to appeal the denied dispute from XXXX. I was told the XXXX dispute was denied because a chip & pin was used. When I asked how one can use a pin & chip for an online purchase, they could provide no answer for this and agreed to file a new dispute for the XXXX transactions. I was instructed to wait for a response, which at this point I accepted. 

On XX/XX/XXXX more unauthorized transactions for online purchases from the same merchant and using the closed debit card ending in XXXX. I called to dispute again and requested this issue be escalated because this is very bizarre and I don't know how to make the unauthorized transactions stop. PNC also does not know how to make the transactions from the closed debit card stop, but they refused to escalate this issue. Here are the XXXX transactions : XX/XX/XXXX {$28.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$82.00} XX/XX/XXXX {$340.00} This has created an emergency situation for me. Now I have no money to my name. PNC has used this difficult time for me as an opportunity to sell me on their credit card. I was advised to sign up for a credit card with PNC so I can sustain myself until my next paycheck. Otherwise I have to wait for their investigation, all while this unknown person/people can continue to overdraw my account, for which I would be charged daily overdraft fees by PNC. They are unable to keep my money safe and unwilling to escalate the issue to prevent further withdrawals. I fear if I close the account entirely, I will not receive an adequate investigation from PNC for my current disputes. 

I would also like to add that I have been a customer with PNC since XX/XX/XXXX. I have disputed 1 other charge in that time. That dispute was 5+ years ago and for a small amount of about {$200.00}. That dispute was accepted by PNC. I do not regularly dispute my transactions.
Consumer complaint received 2020-02-18
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place that constantly kept sending me stuff. I suspected identity theft. I took a look at my report, and there was several things that I have never opened before or seen. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$3600.00} XXXX XXXX   XXXX XXXX {$690.00} XXXX XXXX XXXX {$250.00} XXXX  XXXX {$130.00} XXXX  XXXX {$60.00} XXXX XXXX {$73.00} XXXX  XXXX {$89.00} XXXX  XXXX {$88.00} XXXX  XXXX {$120.00} XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX {$160.00} XXXX  XXXX {$49.00} XXXX  XXXX XXXX {$680.00} XXXX XXXX {$360.00} XXXX XXXX  XXXX {$790.00}
Consumer complaint received 2022-12-18
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. (FL)

I reviewed my Consumer Reports and noticed that I have one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2022-06-03
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. (NJ)

In accordance with the Fair Credit Reporting and XXXX  account XXXX XXXX XXXX # 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 consent.
Consumer complaint received 2024-02-18
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. (GA)

Dear CFPB, This letter is in regards to the errors in my credit ATTENTION : XXXX XXXX EXPERIAN I received notice from my broker while applying for a home loan that my consumer report is showing that I am an Authorized signer for a XXXXXXXX XXXX XXXXXXXX XXXX that has a debt amount for {$3.00}, XXXX. I have no recollection of being a signer for this Bank XXXX nor do I have any accounts with this company. In my attempt to rectify this issue, I found the phone number of the bank and asked to speak with a representative. I was told that I was not listed in their system as a signer nor do I have an account with them.
Consumer complaint received 2022-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

We have been harassed by Portfolio Recovery Associates , LLC for the past few years regarding an alleged {$310.00} debt from XXXX Bank they purchased supposedly from my wife ( XXXX XXXX ) from before we were married ( 18 years+ years ago ). We asked why we never received anything from the company ( XXXX 's ) saying we owed money, and if we did, why did we have an active credit card with them 15 years later? We asked Portfolio Recovery Associates for a Bill of Sale proving what the alleged debt was, when it allegedly occurred, what was the purchase, etc... They provided us nothing but a letter claiming they purchased the debt on XX/XX/2020. We want the phone calls and letters to stop. We want the alleged debt to be removed and for it to be removed from any and all credit reporting agencies they may have reported this to.
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/19 I went into my online banking system to pay my Barclay 's credit card bill. My card ends in XXXX. I inadvertently picked my husband 's credit card number in the bill pay system. He also had a Barclay 's credit card ending in XXXX, but defaulted on it and the debt was sold to another company. When I realized in XXXX what had happened, I called Barclay 's customer service number. They told me that they did not receive the payment and that I would have to talk to the new company that took my husband 's credit card debt, but that the payment must have been made to them. I have called the new company, XXXX XXXX, and they have no payments to his account. I have called XXXX XXXX multiple times and while they will not provide me with the information, they have told me that the payment was cashed by Barclay 's and not anyone else. They have told me that they can fax the proof of payment to Barclays. However, every time I call the customer service line, they insist they have no payment from me. If I ask for a supervisor, they transfer me to XXXX XXXX. At one point I had a representative who opened a case for me - XXXX - but then I got a letter saying they could not complete my request. I have called multiple times to try to get this resolved, but no one will help me. They just deny they received the payment, however a payment for the amount of {$XXXX} was sent from my XXXX XXXX  on-line pay system to Barclay 's on XX/XX/19 and it was cashed by Barclay 's. That is a lot of money for me to just be out. I understand that I made a mistake and picked the wrong account number, but the Barclay 's has the money in their possession and is should be credited to me.
Consumer complaint received 2019-11-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Consumer Portfolio Services, Inc. (CA)

For the last 12 months consumer portfolio services has not allowed me to use my final extension on my loan. An extension would allow me to get caught up on my loan and prevent damage to my credit. Customer service has even rejected my request to apply. I was not able to apply for an extension which does not appear to be lawful or beneficial. As a result I am consistently behind and have not been able to get caught up on the loan. This has also affected my credit report drastically.