davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (FL)

I had an auto loan with TD Auto Finance and paid the loan off in XX/XX/XXXX. I received an overpayment in XX/XX/XXXX and misplaced. I found the check in XX/XX/XXXX and contacted the Loan Department. They stated a check would be re issued within 21 days. On XX/XX/XXXX I contacted the bank again and they stated the issue was turned over to XXXX XXXX  and they would reissue the check some time in the next 30 days. I contacted them on XX/XX/XXXX. The bank stated they do not know when the check will be issued or mailed. They hope by the XXXX XXXX  XXXX. 
This to me is taking too long for a simple re issue of a check Thank you
Consumer complaint received 2021-08-14
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. (TN)

Collector : XXXX XXXX  XXXX XXXX Account No. XXXX Balance : {$510.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$510.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$380.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} This is a formal complaint against XXXX, XXXX, and TransUnion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 


I have disputed these accounts several times because the date open is reporting inconsistently. The letters came back verified and the accounts are continuing to report errors after they claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes.
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MA)

I noticed a hard inquiry report from jp morgan chase bank on XX/XX/XXXX of this year. I wanted more information why and what this was from because I know I made no requests for anything to be done. 

I first tried to call chase bank and was told they had no information whatsoever from this date and new application data was not available after 30 days of inquiry. ( Called today XX/XX/XXXX ). This to me is obsurd. They told me I had to call transunion to dispute it. 

XXXX gave me way better information about the inquiry and alerted me chase bank sent them information tied to the wrong first name as well as a NY address. This is terrible due diligence on chase to even begin a credit check based on this information and wrong phone number to boot. This was clearly a fraudulent application that should've never gotten to a credit pull stage. 

I would like to have this hard inquiry removed from my credit report on transunion as it was clearly fraudulent and affecting my credit. Futhermore, Chase should really fix their process, I have been a loyal customer to them for a while also I will note.
Consumer complaint received 2022-03-29
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: CLGF Holdco 1, LLC (FL)

In late XXXX I noticed a charge that wasn't authorized. I contacted Destiny card customer service to report it and they closed my card without even asking me. I asked if that is their company policy to close down cards customers dispute unauthorized charges on? Representative stated yes. About 45 days pass and I never received a replacement card. I called them to find out what was going on. They explained it can take 6 weeks and I said that's about how long it has been. I looked at my on line account and my XXXX statement had a unknown address on it and I never changed it or gave anyone permission to do so. I've been living at same address for years. The rep said they would correct the address and send out a new card. I waited over three weeks and my card never came and I also started receiving e-mails about my payment being due. I called again and complained that I still have no card and I have no statements and my online access shows no balance or payment due. The rep checked my account and agreed that no payment was due. He verified my address and it was the same address I told them I had no knowledge of. This rep told me it would be corrected for sure this time. The very next day I get a credit monitoring call from XXXXl XXXX about XXXX receiving a delinquent credit card payment report from Destiny AKA Genesis Financial. I logged onto my XXXX XXXX account to discover my credit score had dropped XXXX points in one day because of this creditor. I thought the fair credit billing act made what they are doing to me illegal.
Consumer complaint received 2021-07-02
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)

fcra violations not mine please correct the violations it's been more than 60 days : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing this complaint to bring to your attention a concerning issue I recently discovered on my credit report. On XX/XX/XXXX, I obtained a copy of my credit report from ( Equifax, XXXX, and XXXX ) and was alarmed to find XXXX unauthorized hard inquiries listed on my report. 


EQUIFAX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The unauthorized hard inquiries in question were made without my knowledge or consent, and I have no affiliation with the entities that initiated these inquiries. As a responsible consumer, I regularly monitor my credit report to ensure its accuracy and to safeguard my financial well-being.

I kindly request the assistance of the Consumer Financial Protection bureau in investigating and rectifying this matter. I believe that these unauthorized hard inquiries are not only a violation of my privacy but may also negatively impact my credit score. I have filed a dispute with ( XXXX, Equifax and XXXX ) on this matter more than 30 days ago and nothing has been done. 



Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies ( namely XXXX, Equifax, and XXXX ) are required to furnish a written notification to a consumer ( in this case, myself ), upon request, detailing the XXXXXXXX XXXX to verify the accuracy and completeness of the information on record. This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no such documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report Also this is a defamation to my character as a consumer XXXX XXXX XXXX and I am trying to get a house and these negative inaccurate fraudulent and erroneous negative remarks and accounts is hindering me and my credibility as a consumer this is not fair and I will seek litigation pursuant to 15 U.S. Code 1692k - Civil liability
Consumer complaint received 2021-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX  and I do not have a contract with PORTFOLIO RECOVERY A plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$180.00}
Consumer complaint received 2020-07-10
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. (MA)

With the complexity our credit interacts with our lives today I find Experian 's practices unorthodox. Being a XXXX veteran my income is on the low side so I keep track of my credit score regularly. XXXX and XXXX   are readily available and I hover around 740- 750. My fico is XXXX. On several occasions now creditors have used Experian and they are always 20 -50 points lower. They access the same info and yet they are lower. They are now advertising " Experian Boost '', Join their service and get your score bumped up as much as 20 points. To join they ask for personal info I find over the top and non of their business.Seems to me they are holding your score and reported score hostage to fill their need.
Consumer complaint received 2024-03-01
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: EQUIFAX, INC. (TX)

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$3000.00}.
Consumer complaint received 2021-04-01
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: OneMain Finance Corporation (PA)

One main financial is saying I owe them money, in which I do not. I was a victim of identity theft and this was verified. I filled out a police report, I've written letters. The fact one main is reporting this account twice under 2 different names is a violation. ( one main, and one main financial ) this is not my account and needs to be removed from my credit file This has caused so much hardship in my life from having my identity stolen. They need to remove this from my file, they have nothing with my permissions or signatures use validate this on my file.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

All three of the agencies are not able to provide my credit report online as they are all saying they ca n't handle the volume due the amount of traffic that they are getting due to the XXXX breach. 

Most of them are timing out, saying the volume of requests are too high, or they ca n't handle the load. 

Further, all three agencies are not able to effectively place a freeze on the account -- either the system is timing out, or they are indicating that they are not able to place a freeze this time. 

This is the most key time when these functions should be able to work -- the fact they ca n't handle the work load is something they should have thought of and had a contingency plan in place for.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX of XXXX I applied to Capital One for a credit card which I received and used. The interest rate was high ( mid twenties ) and the available credit was adequate at the time. I later received an offer for another credit card with a lower interest rate and three times the available credit. I paid the Capital One card down to XXXX and kept it in reserve. The last statement I received was on XX/XX/XXXX. At all times I paid my Capital One account on time, as I have all my other accounts. Abruptly and without any notice or options Capital One closed this account for the reason stated an email I received : " Re : Your account ending in XXXX Its been over 2 years since youve used this credit card account. As a result, the account has been closed due to inactivity. 
It can not be used for transactions or reopened. There were no rewards to redeem when the account was closed. 
For your security, we recommend you destroy all cards associated with this account and notify any other account users. '' Had I been contacted by Capital One to alert me that they would close the account for lack of use I would have arranged to charge and then pay a repeating charge. However, when I spoke with a representative she explained that Capital One 's policy is to not provide any notice nor explain that they close accounts for non-use without a warning or notice. 

My concern is that Capital One knew, or should have known, that by their closing the account that it would negatively impact my credit score. In fact about the same time that I received the email from Capital One I received an alert from XXXX  that my credit score dropped from a XXXX to a XXXX. XXXX  shows the event as " account closed by Grantor '' which carries a negative connotation adverse to my credit interests. My wife and I just finished construction of an addition on our home and were preparing to refinance our home. We are both employed and have no other reason why our credit would be currently affected but for the precipitous action by Capital One. This reckless policy by this financial institution may affect our ability to get the best interest rate on our home refinance.
Consumer complaint received 2023-02-27
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: Experian Information Solutions Inc. (MI)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-01-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account name XXXX XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX Account number XXXX have 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 an 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. 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 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have filed several disputes with for inaccurate tradeline data regarding a closed account and they have not complied with FCRA guidelines on any of their responses nor have they resolved my concerns. Capital One account is closed/paid, however they are reporting it as OPEN- allowing HISTORICAL ACCOUNT INFO - No terms apply to closed accounts, Date Closed, High Credit, Activity Designator ( drive last state ), Activity Payment Amount, Date of Last Activity, Charge Off Amount, Pay/Balance/Rating is blank. These fields are used to calculate scores. Please resolve this inaccurate account - verification, and your data is driven by FCRA. Please fix/delete. programming to use comments is never done and should not be done as a resolution. 

Attached are my complaints, responses regarding this tradeline on XX/XX/XXXX and XX/XX/XXXX from XXXX, drivers license and supporting documentation. 

In addition please look at PDF supporting documentation labeled ( Inaccurate tradeline dispute CFPB Capital One ) which has been reported by XXXX  on multiple attempts to dispute
Consumer complaint received 2019-05-12
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: SYNCHRONY FINANCIAL (FL)

This is my official request to have the aforementioned item to be deleted off my credit report ; This letter to dispute a claim that is falsely listed on my credit report with your bureau. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX   XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.