davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2020 I received a letter resulting from a dispute with XXXX that shows 20 accounts of the company CAPITAL ONE, all those accounts were shown to be deleted but I never gave CAPITAL ONE authorization to open all those accounts without my consent. I have sent a letter to contact them for more than 10 days and they have not responded.
Consumer complaint received 2020-11-20
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: LEXISNEXIS (TX)

On XX/XX/2020, I received a letter from XXXX XXXX XXXX and XXXX XXXX XXXX stating a quote from an agent for an insurance policy. I did not provide permission to pull my frozen credit report and Alexis Nexis lifted my credit report without asking to temporarily lift the freeze. Secondly, I did give any agent to go outside of my insurance to get quotes. I specifically stated to stay in their agency. I did not receive a call from XXXX XXXX XXXX and XXXX XXXX XXXX requesting to lift the freeze. Therefore, they should not request any information on me unless I am made aware of it.
Consumer complaint received 2022-06-16
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. (GA)

I contacted Equifax about a collection on my credit file that was initially listed as being from XXXX XXXX XXXX with a balance of {$120.00} and had a status of UNPAIDthen after contacting the company requesting proof of the account and threatening legal action the account was then updated to PAID with a XXXX balance. However this does not fix the problem that the account never should have been on my report in the first place. I already spoke with a supervisor named XXXX XXXX who then provided information that was completely wrong, so I contacted XXXX XXXX directly and had them provide the entire statement history of my account in order to show that the amounts and dates they were claimed were factually incorrect. I have uploaded that information directly to Equifax as they requested it however just in case they try to claim they didnt receive it I am including it here along with proof of the fax being received. This is a direct violation of federal law since they claimed to have verified the information as accurate despite it not being so. 

Both Date of Last payment and Amount of Last payment are both incorrect and therefore the account should be deleted immediately. 

XXXX XXXX XXXX Account number : XXXX Original Amount : {$120.00} Last Payment Date : XX/XX/2022
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (WA)

For a long time now, over a year, my XXXX credit card has not appeared on my Experian credit report. 
I have tried to call XXXX and Experian to resolve this issue, to no avail. 
Around XX/XX/XXXX or so, I opened a dispute with Experian about the issue. 
On XX/XX/XXXX, I was told the dispute is closed because they can not add items to my credit report as the result of a dispute, and refused to look into the issue further. 
XXXX has assured me that they send monthly reports to Experian just as they do the other bureaus, and on my request, has sent them off-cycle reports, so I believe the issue to be Experian 's fault, despite their insistence that it is not and that they will not do anything about it. 
As a result of this, my Experian credit score is XXXX points lower than my XXXX and XXXX scores.
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: JPMORGAN CHASE & CO. (AZ)

Dear Sir/Madam, I am writing to address a matter of urgent concern regarding the repossession and subsequent sale of my vehicle, XXXX, by Chase Bank XXXX As of Tuesday XXXX at XXXX, my vehicle was unlawfully repossessed without proper legal authority. 

It has come to my attention that Chase Bank, acting as a SERVICER as concluded in the Transaction Details provided in the Documents below, Chase Bank may have exceeded its authority in initiating repossession proceedings, as the legal rights to the contract, including any rights related to repossession, are held by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX as outlined in the Documents below. 

Furthermore, the sale of my vehicle following repossession constitutes a clear violation of my rights as a consumer and a breach of contract. Chase Bank 's actions in this matter are not only unauthorized but also unlawful, and I demand immediate restitution for the damages incurred as a result of these actions.

I hereby demand that Chase Bank cease all further attempts to collect on the alleged debt associated with my vehicle and provide restitution for the improper repossession and sale of my property. Failure to respond to this demand within a reasonable time frame will leave me with no choice but to pursue legal action to assert my rights as a bona fide purchaser and seek appropriate remedies for the damages incurred. 

Despite the repo action, upon thorough examination of the official records of XXXX XXXX, Arizona, there is and was no recorded assignment available for review. This absence of documented proof casts significant doubt on the validity of Chase 's claim to my interest in the receivables. It is deeply troubling that Chase asserts ownership rights over my vehicle without providing adequate evidence to support their claim. This repossession has caused me considerable distress and inconvenience. I urgently request a comprehensive investigation into this matter and a swift resolution to rectify any potential breaches of contract or violations of consumer protection laws. 

Please be advised that I am fully prepared to take all necessary legal steps to protect my rights and interests in this matter. I trust that Chase Bank will act swiftly and responsibly to address this issue and provide a satisfactory resolution. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2022-06-16
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. (LA)

In according with the Federal 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
Consumer complaint received 2022-06-16
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I paid my credit card statement balance in full, in the amount of {$2400.00}. On XX/XX/XXXX, I was charged interest on my account XXXX {$38.00}. I called, spoke with a supervisor named XXXX, and asked why I was charged interest. It was explained to me that it was because of residual unpaid interest from previous months. The supervisor indicated that there is no way for individuals to know of that amount because it's not itemized on the statement, and the only way for someone to know that would be to call in and ask. The supervisor indicated she would document the complaint but no further action would be taken in regards to refunding me the interest charges even though I paid the statement balance. 

I believe this is highly deceptive and breaches UDAAP regulations because the amount indicated to pay on the statement is not a true paid-in-full amount, which allows the company to continue to charging additional interest, and there's no reasonable way to avoid those extra charges because it's not listed on the statement.
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Transform Credit Inc. (MD)

On XX/XX/2022, I received an alert from my credit monitoring company, XXXX ( part of XXXX ), that an inquiry had been made on my credit report on XX/XX/2022, from Transform Credit , Inc. ( Transform ). When I subsequently contacted XXXX, I learned that someone had applied for credit from Transform in my name using my personal information. Because I had no knowledge of this application and had not authorized it, XXXX informed me I was a victim of identity theft and put a fraud alert on my credit report. 
However, when I attempted to alert Transform about the fraud and identity theft, it would not answer the phone and said it would not provide a call back. Instead, Transform texted me back requesting personally identifiable information to find my account. I responded that I do not have an account with Transform, had received a credit alert that it had made an inquiry on my account, and I was not willing to provide my personal information by text. Instead, I informed Transform that if I did not hear back from it, I would file a dispute with XXXX and a complaint with the CFPB. I subsequently emailed and wrote a letter to Transform and still have not heard back.
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/2024 I purchased that coin cash on Venmo. Which I have the transaction I. D. Then sold the XXXX cash that I purchased and Venmo took the proceeds from that sale stating that the I owed them. But I have a transaction completed stating they were paid XXXX. Affected them multiple times And lay hung up on me repeatedly. To be honest, the most unprofessional I. Guess they're not a bank. So I would say the most unprofessional financial institution. I have upper dealt with. To be honest, the most unprofessional company. Or humans I've ever dealt with. But hypurges {$29.00}. Worth of XXXX, cash that day, they have stolen sale money of that XXXX cash, which was for {$25.00}. So I need help. Please, I know it's a small amount. But these guys are completely Out of line end thieves. Please help me.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

Citibank Business  Credit Card customer service says they issued new cards because my card was going to expire soon. Today 's date is XX/XX/2024. My card expires XX/XX/2024. XXXX  months away. The policy is that the card is active until the experation date. They tell me I will receive a new card in about 10 days. I have not received any notifications that my card is not active and they are sending me a new card. I have used the card for minor purchases today, but when I tried to process an order for a client in the amount around XXXX, with an open limit of XXXX, I was declined. Citibank would not allow the charge to go through. I will have to wait for my new card. I have international business travel tomorrow and my business credit card will not work while I'm travelling. Whoever heard of keeping a business from it's operations! I plan to cancel all of my employees cards and my account. This is outragous.
Consumer complaint received 2021-05-19
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. (NY)

Transunion has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Transunion because my character has been defamed. I demand that the inquiry below be removed immediately.

XXXX XXXX
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (CT)

I got a car loan with Santander consumer USA in XX/XX/XXXX of XXXX. The vehicle was repossessed on XXXX of XXXX. They sold the vehicle never told me how much they sold it for and now they're coming after me for a balance of {$8400.00}. 

I am disputing the information under Section 623 of the Fair Credit Reporting Act ( FCRA ), I am requesting immediate deletion from my XXXX credit file as XXXX and XXXX does not have the same information nor does have this account as a charge off. I have called them and tried to send them letters in the past couple of years never got any response with them and it's been already 7 years since the repossession and it's still negatively affecting my credit report.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

Adverse action is against the law and is codified in USC 1691c and is pursuant to civil liability under 15 USC 1692 k. Wells Fargo is in Violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX-XXXX {$220.00}
Consumer complaint received 2021-02-25
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: EQUIFAX, INC. (VA)

On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-25
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)

I have an online account for which I pay monthly with Experian and I have been trying to get a fraud account of my credit file. I contacted Experian to get this resolved and they assigned me a dedicated person from work with however I can never reach this person after several attempts. I want this entire issued resolved and no one seems to take me seriously. I have attached numerus emails and then the problem with their system when trying to upload the items they requested.
Consumer complaint received 2023-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

My mother, XXXX, XXXX, an elder, was pressured and bullied into a getting a loan that used by her nieces- XXXX XXXX XXXX and XXXX XXXX XXXX 
I discovered this loan existed last month while my mother was in the hospital. In late XXXX, I confronted XXXX XXXX about the purpose of the loan and she said that she and XXXX used it for their father who passed away. XXXX XXXX explained to me that she would take care of the loan and reach out to the creditor/collections agency to fulfill the obligations and haven't done it currently. 

Today, XX/XX/2023, a pending financial abuse complaint # XXXX ( submitted by me to the XXXX  Department of adult protective services ) has been forwarded to the law enforcement agency by my current caseworker, XXXX XXXX, for further investigation and/or consideration for charges against the perpetrators.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I call capital one 360 on XX/XX/XXXX to make them aware that someone got a hold of my checking account information and my online information to sign into my account and they made a remote check deposit of XXXX from the XXXX XXXX. I got notified by email about the deposit to account XXXX and called on XX/XX/XXXX to report that someone was using my account/online account and just did a remote check deposit that was unauthorized. I was told the account would be closed and I new one would be opened and it never happened until early XXXX.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

I am writing regarding unauthorized information on my report which is in violation of FCRA and related laws. Per 15 USC 1681 Congress stresses the need to protect my right to privacy and ensuring that your company complies with laws to do so.

Consumer report as defined in 15 USC 1681a is " 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 ''. This does not include a " report containing information solely as to transactions or experiences between the consumer and the person making the report '' pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). Reporting financial transactions between myself and the company making the report is illegal.

Further, according to 15 U.S. Code 1681b, " any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates ''. Based on this law, I am directing you to remove the inquiry as I am the consumer to whom the report relates. Additionally, Public Law 90-321 ( 82 Stat 146 ) states " that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) ''.

The Privacy Act of 1974 states " term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual. The Act goes on to provide conditions for disclosure by stating " no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains ''. To reiterate, I did not provide written consent to Lexis Nexis to place this information regarding a financial transaction on my report.

By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this 15 USC 1681e. Violations of this law make you civilly liable for damages.

You have a responsibility to immediately delete the information until you can provide evidence that the information reporting is valid per 15 USC 1681s-2.

The following information needs to be deleted from my report per the previous explanation : Justice of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Filing Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX