davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-01
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

3 years ago, I financed my vehicle with Capital One Auto Finance, and last month, I refinanced my vehicle with XXXX XXXX. 

After the vehicle was paid off, I called Capital One to confirm if the XXXX for Texas customers was applied to my payoff. Their agent stated that a credit for my remaining GAP insurance wasnt applied to my payoff. 

Since that was the case, I contacted the Refunds Coordinator with XXXX XXXX XXXX, and submitted a cancellation request for my remaining GAP insurance. 

They were able to confer with XXXX, and they generated a {$470.00} GAP cancellation refund for my cancelled policy. 

I asked if I could pick up my check from the Dealership, and the Accountant for XXXX XXXX XXXX stated that Capital One wasnt responding to their inquiry via a secured channel, nor via email. 

When I called Capital One to follow up, I asked for a Supervisor to call me to advise why they were delaying the release of my check. 

They never returned my call. 

And when I called back again, another Agent stated that Capital One would have to obtain the check and hold it for 30 days, and then send it to me. 

They could not advise a logical reason why they were delaying the process, when my new lien holder paid off the vehicle on XX/XX/2022, and they -Capital One-actually sent me a {$48.00} overage check. 

Can you help me with contacting Capital One regarding this issue?
Consumer complaint received 2024-02-05
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. (NY)

identity Theft Complaint to the Consumer Financial Protection Bureau ( CFPB ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding instances of identity theft that have adversely affected my credit report. The personal information listed below pertains to accounts that I did not open, they are the result of identity theft. 
i have been disputing these accounts over 2 years, 1. **Account Information : ** - Account Name : XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. I did not open this account and did not give consent for its creation. 

2. **Account Information : ** - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. My identity was used without my consent to open this account. 

3. **Account Information : ** - Account Name : XXXX  XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. My identity was used without my consent to open this account. 

4. **Account Information : ** - Account Name : XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. My identity was used without my consent to open this account. 

5. **Account Information : ** - Account Name : XXXX  XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Identity theft account. My identity was used without my consent to open this account. 

I request your prompt assistance in investigating these matters and taking appropriate actions to rectify the inaccuracies on my credit report resulting from these fraudulent accounts. Additionally, I would appreciate guidance on any steps I should take to further protect my identity and prevent any future unauthorized activities. 

Thank you for your attention to this matter, and I look forward to a swift resolution.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

To whom it may concern 15 U.S. Code 1681a - Definitions ; rules of construction. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit.

Now my concern is why my consumer report and credit report are talked in two different aspects. From the previously stated congressional statement the credit report cant exist without the consumer report. So the governing laws of the consumer report should govern the credit report as well.

Well there are violations on the way my credit report is being used without my credit consent. Looking deeper into the code 15 us code 1681a section 2 ( exclusions ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

My consumer report ( credit section ) has transactions and experiences between me the consumer and the person making the report. These accounts are in violation and need to be corrected in 10 business days from the time this notice In closing Im enacting on my consumer rights of having a accurate consumer report, that reflect my credit worthiness. This is a notice informing you of the error and chance to cure this error. Failure to cure will show civil liability for willful non-compliance. An as I stated XXXX, XXXX, and Experian has done such without consent.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc. (NV)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2019-10-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION (CA)

Over the weekend I tried to pay the loan off but couldn't. I had to call in order to process the payoff which resulted in additional interest accruing. The person I spoke with confirmed they do not offer any option to pay the loan off online.
Consumer complaint received 2023-02-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (MD)

On XX/XX/XXXXXXXX, I sold my home at XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. The purposes of this complaint are to : ( 1 ) request that LoanCare send my Form 1099 and/or other correct tax documents to me at my home address by XX/XX/XXXX so that I can file my Federal and state taxes for Tax Year XXXX as soon as possible and ( 2 ) to inform LoanCare of my change of address. My new home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. My old home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. My apartment number changed from XXXX XXXX to XXXX XXXX. Thanks for responding to my previous CFPB complaints. Upon receipt of my tax documents, this will be my final CFPB complaint. I filed this complaint because LoanCare 's customer service department does not respond to my requests for information in a timely manner.
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

Few days ago, I pull my online best buy credit card statement to come up with game plan to pay it off, I found that there is a small charge labeled as Enhanced Debt Protection, I reviewed previous statements, that charge was there. Best Buy Credit Services has been charging me a monthly fee for the above service. I have never intended to sign up for Enhanced Debt Protection. I reached out to them and they refused to refund previous months. They slipped this service when I signed up for the card. I did not know that I was signing up package bundles. BestBuy Credit Services needs to straight forward on the way they sell this service. They weren't with me. I would like to full refund for this service. Thank you
Consumer complaint received 2020-12-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Risecredit, LLC (DE)

To Whom It May Concern : I paid my balance off in full the Rise Credit company on XX/XX/2020. The credit report update made for XXXX is not reflecting my balance being paid in full. It is only reflecting the payments I made in XXXX. In speaking with Rise Customer Service, they stated that their system reports payments made in the previous month not the payments in the current month even if it is paid in full. I disputed the balance with the credit bureau, but Rise Credit is responding saying the balance is correct. 
Since my payment was made in full on XX/XX/2020, I believe that Rise Credit should have reported to the credit bureaus that my balance is XXXX. Rise Credit reporting that my balance is {$3900.00} after my payment was made is incorrect on my credit report and I would like it to be resolved by updating the credit bureaus with the correct balance of XXXX. See attached payment in full documents and screenshots.
Consumer complaint received 2023-01-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

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 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

The following reports are causing defamation to my character and livelihood and in violation of sec. 15 USC 1681 b Please DELETE the following accounts XXXX acct # XXXX XXXX  acct # XXXXXXXX XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX
Consumer complaint received 2018-02-15
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. (CO)

What is this complaint about?

When applying for a car loan the credit report from Experian/XXXX is drastically less from my consumer pull than what the dealer came up with. My scores have been hovering at the same number for about a year. I additionally have different averages for the age of my accounts. My paid off debts to not show for some reason either. Lastly, when I tried to get insurance it seems my public record was mixed up with wrong person, however I have no insight into this issue now.

What type of problem are you having?

Inability to get public information or the reasons behind my credit score being low. IE : Through my requests it shows as XXXX but through a pull from someone else the score shows as ranges XXXX  to XXXX. Not able to get insurance for new car. Not able to figure out what issues are happening for my records.

What happened?

I attempted to purchase a car out of necessity and had to co-sign with someone else because of the issues with my credit and possible identity.

What company is this complaint about?

XXXX, Experian, and XXXX.

Who are the people involved?

Myself, XXXX.
Consumer complaint received 2022-05-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC. (IL)

On XX/XX/2021 I went to XXXX XXXX XXXX XXXX in XXXX Illinois, in a attempt to finance a car. I had a 5month credit history and a credit of XXXX at the time trying to purchase this vehicle. Was shown a vehicle at {$19000.00}. I was told because my credit history was shorter than 6 months it wouldnt help so that I would have to put down at LEAST {$10000.00} which I was informed would go towards my loan. I signed for an agreeable payment of {$480.00} a month. I later was called and told to come in because my payment had for some reason been taken up to {$510.00} a month. I later discovered that it was illegally ( federally ) for the DEALERSHIP to obtain a down payment from a financing customer. After doing research and going back to the dealership I was informed that only {$1500.00} went TOWARD MY ACTUAL LOAN ON THE VEHICLE and that the rest belonged to the dealership. After informing them of my new knowledge that they werent supposed to receive a down payment on a credit purchase I would told you signed a contract, so we cant refund any of your money by a guy in the finance department.
Consumer complaint received 2018-02-15
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: CORELOGIC INC (CA)

I am a Fraud Victim and someone stole my Identity many years ago. I never signed any documents nor have I spoke to anybody from XXXX XXXX and nor did I give them permission to touch my credit report. I am demanding Justice be done and they clear my name from any wrong doings of requesting a LOAN. I have not given XXXX XXXX   OR CREDCO Permission verbally or electronically or written permission to touch my credit or request a loan. I demand they contact all three credit agencies and remove this credit pull from my account. I also want a letter of deletion sent to me for proof of records If this is not done within the 30 day time frame I will contact a lawyer for damages for pulling my credit and damaging my credit. 

Thank You, XXXX
Consumer complaint received 2023-04-04
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. (NY)

I mailed 3 different letters to each Credit Bureau Experian, XXXX and XXXX within the legal timeframe to give them time to investigate. I did not get any letters or responses from neither of them. First letters was mailed on XX/XX/XXXX to all 3 Bureau. Second Round of letters on XX/XX/XXXX and the last round of letters was sent on XX/XX/XXXX. I still have not heard anything from them.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

I have previously disputed public records listed XXXX and XXXX with Experian and in response Experian verified the items as accurate stating that they have verified the information. The original creditor in this case would be the US Bankruptcy courts. I contacted the court, and their response is enclosed. It is clear they did not furnish to Experian or any credit bureau for that matter ; therefore, their original response verifying the item with the court was either an error or a lie. Purchasing information from third parties does not absolve Experian of accountability. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. I also submit my proper identification as authentication of my identity.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

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 XXXX XXXX XXXXXXXX Amount {$3300.00} This account is incorrectly reporting a running balance which is negatively affecting my credit usage. This account is wrong and needs to be deleted off my report. XXXX XXXX XXXX This account was paid for and never charged off but is reporting as charge off. This is false. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX credit card accounts reporting false and incorrect late payments XXXX XXXX XXXX XXXXXXXX Incorrect Charge off this was a paid account and i even reopened a new account with them. This is all reporting falsely. XXXX XXXX XXXX No account numbers listed, this account is negatively reporting incorrect information and has been removed by all other reporting agencies but this one. XXXX XXXX False information and false reporting XXXX XXXX XXXXXXXX False reporting. This is reporting repossessions and late payments on this vehicle. This vehicle is 100 % paid off and in my possession. XXXX XXXX XXXX Incorrectly and falsely reporting late payments creating negative marks on my report. XXXX XXXX XXXXXXXX negatively and falsely reporting twice on my credit report. this is a against the law XXXX XXXX XXXX XXXX falsely reporting information that they could not provide me XXXXXXXX XXXX XXXXXXXX falsely reporting information that they could not provide me XXXXXXXX XXXX XXXX XXXX falsely reporting information that they could not provide me XXXX XXXX XXXX XXXX falsely reporting information that they could not provide me XXXX XXXX XXXX XXXX falsely reporting information that they could not provide me. This has already been removed off all my other credit reports its just this one will not update or properly investigate XXXX XXXX XXXX Reporting False Late Payments XXXX XXXX XXXX falsely reporting information that they could not provide me. This has already been removed off all my other credit reports its just this one will not update or properly investigate Also they are incorrectly reporting my name. My only known name is XXXX XXXX. My only address is XXXX XXXX XXXX, XXXX, MS XXXX.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (AL)

In accordance with the fair credit reporting act XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX/CBNA Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604A Section 2 : States that a Consumer Reporting Agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-01
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. (SC)

XXXX XXXX XXXXXXXX original creditor XXXX XXXX XXXX XXXX XXXX there are so many inaccurate reporting 's on this account on my credit report. Under XXXX  my payment status shows a collection/ charge off but under XXXX it shows this payment is late 120 days. Also under date last active one shows that it was XX/XX/XXXX and the other shows XX/XX/XXXX. As with the fcra law any item that shows inaccurate imformation should be deleted from credit report. 15 U.S.C 1681. please delete these items off of my credit report.
Consumer complaint received 2019-03-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/XXXX midland credit management submitted alegal order debit to XXXX XXXX XXXX where I have a small savings in the amount of {$4.00} they told me this was for an old account in XX/XX/XXXX I have no knowledge of but they sent papers to me on XX/XX/XXXX in the name of XXXX XXXX. I live on a fixed income and Im elderly and I dont need these people taking money from my account please help me if you can
Consumer complaint received 2020-01-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 60 ) days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-02-12
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: Onity Group Inc. (WA)

On XX/XX/XXXX I sent a certified letter to OCWEN asking OCWEN to correct information reported on my credit history. I attempted to resolve the issue with the credit reporting agencies, but they directed me to OCWEN ( OCWEN acquired the mortgage from GMAC ). 

On XX/XX/XXXX, I submitted a claim with XXXX due to the delay in responding to my XX/XX/XXXX inquiring. OCWEN acknowledged receipt of the XX/XX/XXXX letter, but could not verify the account or information. OCWEN 's response attempts to do two things - ( 1 ) debate the validity of my request without verifying information ( they can't find the record ) and ( 2 ) direct responsibility for the misreported information to GMAC. 

OCWEN acquired loans from GMAC and is listed on my credit report ( Attached ). I can't not accept shifting blame to GMAC. Also the Fair Credit Reporting ACT requires a creditor to verify any reported information within 30 days .... according to OCWEN 's own letter ( attached ) they were unable to. I am considering legal action regarding their inability to adhere to the FRCA.