davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I am writing about XXXX XXXX XXXX  inaccurately reporting 90 days late in XX/XX/XXXX. I have reached out to the creditor and reporting agency countless number of times to REMOVE this inaccurate and false information. I have been going back and forth with the credit bureaus XXXX, XXXX, and Experian for over a year and I have been lied to. The credit bureaus and XXXX XXXX have been FALSLY negatively impacting my credit score which relates to my life as a consumer for YEARS and I want tis information corrected IMMEDIATELY! Every time I reached out to them to let the credit bureaus know MANY TIMES and asked for proof and they told me it was verified as accurate. WHO verified??? Well, I have attached my entire account history from the U.S. Dept of Education dating all the way back to XXXX, and it states that my loans were in deferment from XXXX of XXXX until XXXX of XXXX, NON-DEFAULTED. When a student loan is in forbearance, a payment is not required. Thank you credit bureaus for NOT accurately verifying this information.
Consumer complaint received 2020-08-11
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. (AL)

In XX/XX/2020 I filed a dispute with the XXXX major credit bureaus Experian, XXXX and XXXX about the unverified account XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX  XXXX acct # XXXX, XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX acct # XXXX and XXXX XXXX  acct # XXXX. In over 30 days ago I haven't received a response. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies about these unverified accounts as of today. Thank you
Consumer complaint received 2022-07-30
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-30
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. (LA)

I have reached out to ALL XXXX credit bureaus- XXXX XXXX Experian XXXX XXXX several times to have this account with XXXX XXXX name reported on my credit report ). The first time was for them to verify this account- XXXX and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the XXXX credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Paypal Holdings, Inc (CA)

Paypal sent me a mastercard. I never asked for a credit card from them. Obviously, this situation could easily lead to fraud since i had no idea the card was coming or that it even existed. 

I called the number in the paperwork that the card came with and card the number on the back of the card to figure why they could be sending a credit card that i didn't ask for. All the numbers led to a recording saying there was no customer support due to Covid-19.

Apparently, this is a paypal practice, search on " received paypal mastercard that i didn't order '' and find many examples, including : https : XXXX How can PayPal being doing something so risky with something so important as someone's credit. Isn't this illegal?
Consumer complaint received 2022-07-30
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. (LA)

I have reached out to ALL XXXX credit bureaus- TransUnion XXXX XXXX XXXX XXXX several times to have this account with XXXX XXXX name reported on my credit report ). The first time was for them to verify this account- XXXX and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the XXXX credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Consumer complaint received 2022-07-30
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. (GA)

Experian and XXXX are in violation of the FCRA. They are continuing to inaccurately report account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) on my Consumer reports. The date last reported was not updated and still reports as XX/XX/2022 on Experian and XX/XX/2022 on XXXX. This means they did NOT investigate this account even though they stated it was " verified " as accurate.
Consumer complaint received 2020-05-30
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6700.00}, {$0.00}, {$440.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account.
Consumer complaint received 2022-07-30
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. (TX)

in accordance with the fair credit reporting act convergent account has violated my rights. 
# XXXX XXXX XXXX. 
# XXXX CHILD SUPPORT ENFORCMENT. 
# XXXX XXXX XXXX XXXX. 
# XXXX XXXX XXXX. 

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 2022-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. ()

Around XX/XX/2021 I decided to try investing in what i later realized was a Fraudulent company named XXXX XXXX aka XXXX. I invested XXXX INR in hopes of making enough of a profit so i could pay for my daughters educational expenses. However i was scammed and lost all of my money. 

They told me i should invest via Binance, so they trained me on how to use the app. 
I did not know how to invest or trade or anything about cryptocurrency really, so the scammers instructed me on how to do everything, they monitored me closely and after i while once i had decided to drop the entire thing and tried withdrawing my funds they blocked me from doing it and cut all ties with me.
Consumer complaint received 2020-05-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I was scam by a company that called XXXX XXXX XXXX. On the XXXX of XX/XX/XXXX at XXXX XXXX  I received a message via Messenger from my supervisor XXXX XXXX that I worked with at XXXX XXXX by the XXXX XXXX stating that the company will give me a certain sums of money if I pay a certain sums and it is not a loan because I don't have to pay it back. She wasnt working alone she worked with a man but i dont remember his name. She would text me on messenger on what to do and then text the man to carry out the transactions. Before I reported them to my bank and XXXX he use to text me from this number XXXX ( I dont have these text because i deleted it ) which they didnt use anymore so the man started to text me from another number which XXXX ( i have those text messages. She even acted like shes helping me out by sending money to the person too. Even my brother got involve Because he was the one that helped me with some of the money to pay him. I was skeptical but it was my supervisor so I trusted her. First she said I must buy a {$100.00} XXXX card and send it to the person she's working with at the company so I did. On the XX/XX/XXXX I send my first transaction of {$700.00} dollars ( note all my transaction is through XXXX from my BBT bank account ) the email address is XXXX XXXX  XXXX. And the verification number is XXXX And here is the follow transaction that I made also 1. XX/XX/XXXX amount {$850.00}. Verification # is XXXX 2. XX/XX/XXXX amount {$700.00}. Verification # is XXXX 3. XX/XX/XXXX amount {$960.00}. Verification # is XXXX THESE TRANSACTIONS ARE FROM THAT EMAIL ADDRESS STATE ABOVE. Now from a different email address on the XXXX/XXXX/XXXX amount {$500.00} to XXXX. Verification # is XXXX. From another email address XX/XX/XXXX amount {$500.00} to XXXX. Verification # is XXXX. And another email address XX/XX/XXXX amount {$300.00} to XXXX. Verification # is XXXX. AND XX/XX/XXXX amount {$700.00}. Verification # is XXXX. And the last transaction i made was on the XX/XX/XXXX email address XXXX the amount {$300.00}. So in all they scammed me {$5500.00} dollars. I attached my bank information with all the transactions. If you need any additional information I will gladly provide it
Consumer complaint received 2022-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Initially there were unauthorized charges from my Capital One 360 Checking account which were not authorized by me yet at the same time the majority of the transactions never requested a debit card PIN number. 

Upon notice of these unauthorized charges I immediately contacted my bank and requested a new debit card via XXXX mail and to prevent any other unauthorized charges from occurring in the future with the card number that a hacker may have stolen at a gas pump or what the nature may have been. 

I received a notice that my account had been closed at the request of Capital One. While, I am fine with this as I have other large banks that I work with, there was something that disconcerted me. 

Almost 7 days went by after my account was closed with Capital One where I received an email that the fraudulent charges they received prior to my account closure had been resolved and they found no error. 

I disagree with this statement having been a loyal customer for many years and had many funds with joint checking accounts, joint credit cards that are in place with Capital One, etc... 

Capital One Bank sent reversals to my account after Capital One closed my account resulting in negative fees which were not made on my behalf. 

There are several transactions which were reversed by Capital One on behalf of companies such as XXXX, XXXX, XXXX XXXX XXXX Ticket add on to name a few. None of these transactions requested a PIN number which was never provided. This is the result of unauthorized charges. 

The fact that Capital One had chosen to end the business banking relationship and then 7 days later send me a notification of the results for transactions not authorized by me as if there is nothing that I can do is mind boggling. 

I also have a person of interest ( my ex-boyfriend ) who works for Capital One. So the fact that these results are suddenly appearing is once again mind boggling. Also, a matter of privacy.
Consumer complaint received 2022-07-30
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)

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX 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 2020-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XX/XX/XXXX, I applied for a Capital One secured MasterCard and because it was secured, I had to deposit {$250.00}. The card was approved and few days after I applied, they took the {$250.00} money out of my account. I waited for the credit card to arrive in the mail and to this day, I have still not received the credit card. I am at my wit 's end and do not know how to get my money refunded. I have tried countless of times to resolve the issue with Capital One. I have called them and addressed them, they have asked me to identify myself and each time, it could not be done because their system is faulty. The last time I talked to them about sending me the credit card or a refund, they promised they would send me the card. I still don't have the Capital One credit card and they seem intent on fraudulently keeping my {$250.00}. That kind of practice seems unethical and I want either a card or a refund. I have proof that they charged me and I also have proof that I never received a card from them or at least never used it. I have put effort on my end to try to resolve the problem and they have done nothing for me every single time I contacted them. We're in XX/XX/XXXX and I applied for this Capital One secured credit card a year and about 7 months ago in XX/XX/XXXX and I hope to see a resolution soon.Thank you! 

Additional Info : While writing this complaint, I went and dug a bit on my credit history that is still fairly inaccessible since my history is fairly new and found out that Capital One closed this card themselves yet I never received a refund for the card I never got to use.Please help!
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC. (CA)

I received an email dated XX/XX/XXXX from my credit monitoring service XXXX  stating that there was a new bank account attempt in my name on XX/XX/XXXX. Also on XX/XX/XXXX I received an email from Axos bank welcoming me as a new checking account customer. I have never heard of Axos bank and did not initiate contact with them. On XX/XX/2023 I called Axos Bank to inquire about this fraudulent account. The customer representative could not help me but said to email my concerns to XXXX so I did. I never heard back from them. On XX/XX/2023 I called Axos bank again in the hope of getting some resolution. I spoke to a customer service representative XXXX explained what was happening and she gave me a case number XXXX. She informed me that she would not be able to provide any further information. I have had no further contact with the bank or any information of this account. I did not open an account with Axos bank, and they appear to be unconcerned. Please help.
Consumer complaint received 2023-03-16
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: Global Lending Services LLC (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # GLOBAL LENDING SERVICE, Account name : # XXXX XXXX XXXX XXXX Account name : # XXXX XXXX, Account name : # XXXX XXXX, Account name # XXXX XXXX XXXX CO XXXX Account name # XXXX XXXX XXXX, Account name # 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 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 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

First, Portfolio Recovery carry accusations of alleged debt belonging to the referenced individual absent support of an affidavit ( s ) supporting their claim. Second, they were asked what do you say the money owed is allegedly related to? Third, an explanation of how they calculated what the allege owes? Fourth, copies of any documents that show XXXX XXXX agreed to pay any of the amounts they listed. Fifth, failure to provide any copies of any related alleged judgment. Sixth, show that the statue of limitations has not expired on this alleged account. Seventh, just because they provided the identity, name and address of the alleged creditor to CRAs does not constitute verification, accuracy nor confirms that XXXX XXXX is responsible for the allege debt AND eight, XXXX XXXX XXXX demands all original documents or at minimum a stamped true copy of the original with an attached affidavit supporting their claim that she has signed that facilitates any agreement between her and their company.
Consumer complaint received 2020-05-30
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: The Outsource Group, Inc (NE)

A collection account was removed from my credit report from Medicredit. My credit score did not increase. My credit score should have increased by at least 23 points for the removal of the collection account from my credit.
Consumer complaint received 2022-07-29
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. (UT)

In accordance with the fair credit reporting act, the following Accounts have violated my rights : XXXX XXXX XXXX, Account # XXXX, Original Creditor : XXXX XXXX XXXX XXXX XXXX, Amount {$2300.00}, Date Opened XX/XX/2018. 

15 U.S.C. 1681 Section 602 A States that 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.
Consumer complaint received 2020-05-30
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: Long & Foster Financial Services, Inc. (PA)

This complaint against below Prosperity Home Mortgage LLC run my credit without authorization and left a hard inquiry so i filed fraud alert and claim all creditors run without my authorization to remove hard inquiry due to impact my credit XXXX was able to locate the following inquiries in our systems. 
XX/XX/2018 Prosperity Home Mortgage LLC