davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified i

n 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Capitol one Bank due to the response I received. I was told i was denied an increase for recent delinquency of my consumer report which currently is very false as I have no recent delinquencies at all I have been with capital one for a few years now with no issues and no late payments and I have not been grant and increase in over 2 years. This is very unfair as I have had an outstanding history to date
Consumer complaint received 2023-04-05
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. (CO)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/23, I submitted a dispute to The 3 Major Credit reporting Agencies Experian, XXXX, and XXXX regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-28
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. (MD)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent to Equifax Credit Bureau. However, any modes of response or coordination were not taken on their end. Failure to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the accounts reporting on my Credit Report : XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXXBalance {$750.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXXBalance {$4900.00} XXXX XXXXBalance {$790.00}
Consumer complaint received 2022-07-31
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)

n accordance with the Fair Credit Reporting act XXXX acct # 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 n accordance with the Fair Credit Reporting act XXXX Acct. # 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 n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 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 n accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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 n accordance with the Fair Credit Reporting act XXXX XXXX Co Acct 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 n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct 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 n accordance with the Fair Credit Reporting act XXXX XXXX Acct 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 n accordance with the Fair Credit Reporting act DEPT OF ED/XXXX Acct XXXX, ACCT # XXXX, ACCT # XXXX ACCT # XXXX, ACCT XXXX ACCT # XXXX, ACCT XXXX ACCT XXXX ACCT XXXX ACCT 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 2022-07-22
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OPORTUN FINANCIAL CORPORATION (GA)

OPORTUN XXXX XXXX XXXX  fraudulently opened a credit card in my name. I have since forced them to close the credit card which I never activated as I did not want their credit card. However, the {$25.00} annual fee was not removed. I called on multiple occasions to have the fee removed and was assured that it would be removed, even here on the CFPB 's online platform in a response to my complaint from OPORTUN XXXX 

Yet today I received an email notice claiming that the annual fee as due! 

Hi XXXX, Your Oportun XXXX XXXX XXXX payment of {$25.00} is due today. There are many convenient ways to pay : Online If you have an online account, log in. If you dont, you can create one today to pay online with your checking, debit card, or savings account. 

By phone Call XXXX to use your checking, debit card, or savings account for a one-time payment, or set up automatic payments. 

In person Pay in cash at any XXXX location nationwide, including inside XXXX and XXXX. Bring your Oportun account number. Use receive code XXXX. 

To learn more about your payment options, visit Oportun.com/payments or call us at XXXX. Online and phone payments must be made by XXXX XXXX to credit account same day. 

Impacted by COVID-19 and worried about making payments? We can help. Call XXXX. 

Thank you, Oportun Oportun XXXX XXXX XXXX XXXX XXXXssues by XXXX, Member FDIC I immediately called Oportun Visa, and was told by a customer representative named XXXX, that the fee had not yet been waived although the account was closed and that she had pressed the button to commence the process of removing the fee! 

Due to the fraudulent action of this company in opening an account against my explicit instructions not to, and their demonstrated incompetency in removing the annual fee to date, it would prove imprudent to trust their ability and or willingness now. Therefore, I am submitting again a new complaint against them for their continued fraud against me!
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/20 Balance : {$2100.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-22
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. (PA)

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have a 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. 


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Consumer complaint received 2022-01-20
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

This complaint is against Capital One bank holding company at XXXX Capital One  XXXX XXXX XXXX XXXX XXXX. 

Regarding a personal credit card. 
I used my credit card multiple times over a period of XXXX  months at a personal friend 's bar/restaurant. I spent a lot of money there, which subsequently was flagged as potential fraud because of the amounts. I called Capital One to let them know that I did make the charges, they were legitimate, and I should be charged the amount in question. I was told that there was nothing Capital One could do as the issues were now sent to a disputing company called XXXX XXXX XXXX in XXXX, XXXX. Phone number XXXX. Capital One told me that the restaurant would need to provide proof of charges and go from there. I was refunded XXXX to my Capital One card and have arranged payments to my friend. 

But here is where it starts to get XXXX, and I am now having issues. The restaurant owner/my friend says he is up to XXXX letters of dispute for a total of {$1100.00}. And we aren't sure if he is going to get more letters. That is a {$400.00} difference that I now seemingly owe two companies, as I was not refunded it by Capital One. When I call Capital One to ask what is going on, I am told to call the dispute company. When I call the dispute company, I am told they can not speak to me as I do not own the business this happened with. I have no issue paying back my friend/the restaurant, but I can not do so without proof that he was not paid for these transactions, as I've said I only received a refund for XXXX  amount XXXX what he has received stating more. I need a resolution to this. I feel at this point I am being robbed by Capital One. And they have been rude and blunt on the phone in telling me they can not give me information. 

I would also like to state that a rep at Capital One told the owner of the business that I must have disputed charges against him. I did not and they could not provide proof that I did. I don't understand how it is legal for a company to lie to a business, but it is unacceptable. Capital One should have a policy in place that if they think something has the potential to be fraud, they reach out to the customer and allow them a time period to agree that it is fraud or disagree that it is not fraud. This should never have happened. I am at the point where I am worried that I may need a lawyer. I would like to know what happened to the money that I am being charged for, if it was not given to the business. Why am I still responsible if it was never paid?
Consumer complaint received 2021-12-28
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. (CA)

My complaint is in connection with XXXX XXXX XXXX XXXX reporting fraudulent information on my credit report and Experian failing to investigate this matter. XXXX XXXX XXXX XXXX has sent me all the paperwork in connection with this fraudulent account. There is no form amongst this paperwork disclosing the opportunity to Opt Out. This alleged account is in connection to a car purchase transaction. According 15 USC 6802, there should have been a disclosure with the option to Opt Out. A financial institution such as XXXX XXXX can not disclose nonpublic personal information without first providing a consumer notice that complies with 15 USC 6802. I never received this Opt Out notice. I can tell you if I ever had the opportunity to fill out this document I would have because this company has been a nightmare to communicate with. I have lost wages due to this illegal activity and been denied credit. XXXX XXXX is currently committing aggravated identity fraud as defined in 18 USC 1028A. Experian is reporting this fraudulent account on my credit report despite multiple attempts to dispute the legality if this account being there. Both companies are committing aggravated identity fraud against me. 

The Account : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX MORTGAGE 30 DAYS LATE IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX and 60 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX
Consumer complaint received 2021-12-28
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. (IL)

On ( XX/XX/21 ) I sent a letter seeking validation of a debt to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account # XXXX ) Its been ( 30 days ) and I havent received a response. Being that it has been well over ( 45 days ) I have sent a letter to XXXX, XXXX, and Experian requesting that they immediately remove this from my credit report due to this debt, I am not aware of, not being verified. 
I have yet to hear a response from any one. Due to my own personal research I have notice that my rights as a consumer have been violated and I feel like I am being directly ignored and taken advantage of. According to consumer laws, if this account can not be verified, it must be removed by the credit reporting agencies. 
Thanks XXXX XXXX
Consumer complaint received 2022-09-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS has mail letters for years. I consider that MAIL HARASSMENT! FOR THE RECORD, I STATE AGAIN THAT AS I HAVE NO ACCOUNT WITH YOU, NOR AM I YOUR CUSTOMER, NOR HAVE I ENTERED INTO A CONTRACT WITH YOU.
Consumer complaint received 2024-10-25
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. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year> and XX/XX/year>. Payment was received on for XXXX Billing Cycle was paid on XX/XX/year>, which means XXXX Statement was Paid on Time. This means that XXXX Billing Cycle is not be 60 Days Late nor is XXXX  90 Days Late. This inaccuracy of reporting for XXXX payment creates an error that trickles down and makes other on time payments appear late. I'm now requesting you investigate this account and update these payments to paid on time immediately!
Consumer complaint received 2022-04-27
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. (CT)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from XXXX XXXX, and account # XXXX from 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