davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (UT)

In Accordance with the Fair Credit Reporting Act XXXX Account name : XXXX XXXX XXXX. Account # XXXX, Account name : XXXX XXXX XXXX. Account # XXXX. Account name : XXXX XXXX XXXX XXXX. Account # XXXX. Account name : XXXX XXXX. Account # XXXX. Account name : XXXX XXXX XXXX. Account # XXXX. Account name : Utah XXXX XXXX. Account # XXXX. Account 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 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 beleive that the information is inaccurate.
Consumer complaint received 2024-09-14
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to formally dispute the recent actions taken on my account and to inform you that I will be filing a complaint with the XXXX XXXX XXXX regarding this matter. 

Due to being out of work for six months, I have been making weekly payments to bring my account current. On XX/XX/XXXX and XX/XX/XXXX, {$160.00} was deducted from my moms account ( XXXX  ) under the name XXXX XXXX, as I am an authorized user on this account. Another {$160.00} was deducted on XX/XX/XXXX. However, I recently received a letter from Kohl 's stating that my account has been blocked due to suspected fraud. 

On XX/XX/XXXX, I contacted your customer service and spoke with a supervisor named XXXX ( ID number XXXX ). During our conversation, I was informed that my account was blocked due to non-payment and returned checks. I explained that I have proof of the payments that have been taken from my mom 's bank account, but XXXX insisted that all my payments were canceled and advised me to check with my bank for verification. 

Additionally, I reviewed my Kohl 's statement, which clearly shows the payments made and indicates that I have available credit. This discrepancy makes no sense and adds to my frustration regarding the handling of my account. 

I find it unacceptable that despite my efforts to make weekly payments, my account is in jeopardy of being closed due to an error on your part. I am actively trying to rectify this situation, but I feel that my concerns are not being taken seriously. 

I expect a prompt resolution to this issue and that all my payments will be properly reflected on my account. If this matter is not resolved satisfactorily, I will proceed with filing a complaint with the XXXX XXXX XXXX. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX after being in Wal-mart store and making a purchase, went to place an online order, my information is saved as I frequently order from Walmart on line. this saved information includes my card information and address. I was declined for this purchase, logged on to check available credit as I had made a payment on XX/XX/XXXX. no restrictions, and enough available credit for purchase. Attempted transaction again still declined, due to nature of online purchase and coronavirus I tried to change from 2 to 1 item, still declined. I logged back into check on card and suddenly my account is restricted. 
I was able to make purchase using my personnel account, so issue was not with Walmart web site, or number of items, was not related to available credit as credit on account prior to payment was enough to more then cover transaction. 
I believed issue was a result of me making to payments on credit card in the month of XXXX. I believed this occurred as this was an issue in XX/XX/XXXX. 
I waited until XX/XX/XXXX to call XXXX XXXX, after confirming payment cleared my bank account on XX/XX/XXXX ( this is what I had to do in XXXX ). Called to have restrictions lifted and find out issue. Restriction was lifted an payment did show posting on XX/XX/XXXX. 
when requesting information as to issue was. 
1st advised it was my error entering information on line, again card information is saved on site, so this is not issue. 
2nd was advised it was issue with Walmart site, this is incorrect or I would not have been able to purchase items at same time using at different payment method. 
3rd was advised it was amount of transaction, this is not correct for 2 reasons attempted to change amount ( 1 item not 2 ) and was still declined, and I have transactions in 3 months greater then this purchase amount that did not have any issue processing. 

I again believe this issue is a result of 2 payments in one month, simply because this did happen previously in XXXX, at which time I was assured it would be corrected, I also believe that the customer service individuals I spoke to are unable or unwilling to troubleshot situation and give me an understanding as to why my card is being restricted every other month. 

I was very upset that customer service was implying all issues where mine, I was very upset that if I had attempted to make a XXXX in store grocery purchased for my family of XXXX I could have been declined at check out, embarrassing of course, but more upsetting as I have the money available on my account, and frequently use Walmart card for grocery purchase for rewards on purchases. 


I would like correct and accurate information as to what is causing restrictions being placed on my card, I would like it corrected so I am not in this situation again. I would like to know I am a valued customer.
Consumer complaint received 2020-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one 360 closed my account with no notice. They are denying me access to XXXX dollars in funds and basically holding my money hostage. I received no notification that my account would be closed. I have bills to pay and need to have access to these funds. These actions are predatory and ridiculous. They gave me no indication of why my account was closed and told me it could be up to 3 months before they would consider giving me my money back. I expect them to allow me access to transfer my money to a new bank account.
Consumer complaint received 2020-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (ID)

PayPal is locking my wife out of her money and telling us that it will take 6 months to get it. This was the 1st and last time she will be using PayPal On the XX/XX/2020her Aunt send her {$150.00} for her Birthday and to help out the family during this time She receivedd the money in PayPal and they ask for my wife to send her Id in and she did but then they just locked her account and told she could no longer use PayPal no real reason but they will not release the money or refund it back to Her Aunt. Now here is the kicker we are not the only one. PayPal has locked out Thousands of People from their account and their money for no reason some have been using PayPal for years. PayPal is using XXXX and and XXXX to talk with People and if you say something they don't like they will delete your comment, but still they is thousands of comment telling the same story over and over " PayPal is holding my money and locked my account. Many of these People need that their money are like myself we are not working and friends and family are help them out only to have PayPal steal their funds.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CO)

My credit score l am a XXXX per discover credit card is XXXX I have used that card and paid them off then just put the card away with a XXXX balance, l had a {$25000.00} loan with lending tree which l paid off in full o balance. I have credit card debt but Never chosen to consolidate the debt because l dont have a problem paying my cards never missed a payment ever yes my balance went up on credit usage but still no missed payments or asked any of my lenders for help. Now this discover Card is just deciding to close my Account. I think l have been discriminated against because of age and being a single woman, shame on discover card in a time like that to do that to anyone. I dont need there credit card at all this is why l have not used that card. But l think this company needs to be reported, probably doing this to lots of poor people.
Consumer complaint received 2019-08-11
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. (TX)

XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX have failed to do their job on the data breach FTC violation that caused my credit report harm Transunion and XXXX has done a great job looking. into the FTC violation but will be added to the security so they can check on updates
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-04-21
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)

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT TO THIS COMPANY FOR OVER A YEAR NOW. AND I EVEN HAVE ASKED THEM TO PROVIDE PROOF OF ME EVER GETTING ANY TYPE OF LOAN FROM THEM. THEY HAVE NO PROOF YET THEY WILL NOT REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I NEED SOMEONE TO EXPLAIN TO HOW I CANT PROOF THAT I AM VICTIM. I DON'T KNOW WHAT INFORMATION TO PROVIDE, I KEEP CALLING XXXX XXXX XXXX, THEY CANT PROVIDE INFORMATION, I KEEP CALLING EXPERIAN AND XXXX  THEY CANT SEEM TO GIVE ME CLEAR INFORMATION. I THINK THESE BIG CORPORATIONS ARE DING THESE ON PURPOSE TO LOWER PEOPLES FICO SCORE OT THEY ARE THE ONESE WHO ARE SELLING CONSUMERS INFORMATION.
Consumer complaint received 2023-02-06
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. (PA)

My name is XXXX XXXX. I have inaccurate information reporting to my consumer report. The data furnishers are not in compliance with FCRA. I am a victim of identity theft and these accounts a fraudulent.
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (SC)

So I sent a letter ( s ) off on XX/XX/2022. Here is my tracking # XXXX # XXXX # XXXX To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights.
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BARCLAYS BANK DELAWARE (MI)

I have been getting phone calls since XX/XX/XXXX and they have also been calling my family members. I called them today on XX/XX/year> and was prepared to pay it. It was allegedly from a Barclays Bank, I don't know how many years ago. 

When I talked to them, they said that my amount owed was roughly twice the amount that was originally owed. This is due to a court case that was filed and won by them and so they are charging court and attorney 's fees. I actually told them that I would pay it and I set a planned payment dat to be completed by XX/XX/XXXX. So I have the address, envelope, and money order ready to pay the debt in whole. 

I just asked them to send me a bill of the amount and then I will send it but they said that they would not be able to mail it to me and only be able to email it. I told them that I would only reveal my name, phone number, and address but would not give them any other information. In response they said that they would send me a copy of my promise to pay the amount. 

When I looked them up online though, I noticed some suspicious posts/blogs that warned about this business XXXX  XXXX XXXX XXXX XXXX They wanted me to send the amount of {$2100.00} to XXXX XXXX XXXX, XXXX XXXX  XXXX. 

An additional thing that leads me to believe that this is a scam is that they are very aggresive and threaten to come after me and that this case has already been decided against me. I never recieved notice of the lawsuit and this debt or the original Barclays debt that I had are on my credit report Thank you
Consumer complaint received 2019-05-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation (CA)

We have had a very difficult time with PHH to have our short sale reviewed. Our agent has submitted the short sale 3 times and after 30 days PHH has still not placed the short sale in review.

The first excuse was they had to review for a loan modification. PHH took 30 days and they approved us for a Owner occupied loan modification. They problem with that is we moved out 6 months ago, and the property is vacant. This was told to PHH 10 times but they did not seem to under stand. Approving a home owner for a un occupied property with no proof of income seem like mortgage fraud. And it continues.

Now after 30 days of removing the loan modification PHH can not give us an answer to why they simply can not move the file to the short sale department and being the process.
Consumer complaint received 2023-02-06
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. (MN)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2019-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (FL)

The company has refused to accommodate my XXXX and has refused any interactive good faith process to accommodate my XXXX in accordance with the XXXX. 
Each time I asked I was ignored or hung up on. 
This happened over 20 times.
Consumer complaint received 2023-02-06
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. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I requested verification of account with this credit reporting agency on in writing on multiple occasions. These requests were sent by certified mail ( I have attached the receipts with tracking information ) on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite 5 written requests over the span of a year, the unverified items are still listed on the report and the reporting agency has gone so far to claim the items are verified without garnishing physical verification of the original signed consumer contract, or any verification documents at all for that matter. This credit reporting agency has had over a year to produce the documents that they are legally required to provide to me. 

If this agency does not have a copy of original documentation ( a contract with my signature on it ) as required under Sections 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Further more, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

This organization has violated 3 different sections of the Fair Credit Reporting Act, and has had over a year to produce these documents. They clearly are not in possession of any proof of the validity of these documents and continue to present this false information to my credits.

This is illegal and defamatory. This credit reporting agency is INTENTIONALLY violating the law. Opening a dispute with the CFPB is my last hope/resort before being forced to file a lawsuit.
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE CLEARING CORPORATION (OK)

My bank is setup to make automatic mortgage payments on the 2nd of each month. 

These automatic payments include a second check for additional principal payments. 

As requested by the mortgage company the check memo clearly says additional principal. 

The mortgage company received both checks on the XXXX, both checks cleared our bank on the XXXX and the mortgage company refuses to apply the extra principal payment until the following month. 

This is causing us to pay more interest and does not reduce our principal balance correctly. 

We have complained several times in the past.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Auto Finance incorrectly and without notice charged off a total loss deficiency balance from an auto accident i hadf and that i was making payments on. I fully intend to pay this off and have another loan with them that is current. 

There were no notices given that this would charge off and it has destroyed my credit rating and caused other creditors to lower or eliminate credit lines which is causing extreme distress during this pandemic. This occurred in XX/XX/2020 and i Capital One has said they reported correctly but there were no terms established defining the payoff of this deficiency balance.
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (CA)

XXXX XXXX made me an offer for a credit card, by asking me what I wanted. And they provided me with a credit card that did not provide anything that gives me the benefit that I told them that I wanted. I believe that this was an invasion of my privacy and was a deliberate attempt to breach my privacy and deny me access to proper credit for travel. What I received was a teaser card that doesn't offer anything I was lured in with. The company is dishonest with bate and switch tactics that do little to nothing to harm the consumer. They give credit lines against my credit that are prohibitively disabling from helping to achieve my goals based on the offer made to Airline milage rewards. I was mislead into a card that fails to help me meet my goals. They accessed my trust and have been paid, yet they deny me my fair due of credit by assigning me to a card that is woefully insufficient and a violation of the Fair credit act as XXXX XXXX deliberately invaded my privacy with intention to defraud me by baiting me with a travel card but then switched to something I least wanted. I would not have answered if the had been forthright and honest as they are supposed account to GAAP ( Generally. Accepted Accounting Principles ) rules. 
On the XXXX of XX/XX/2023 and they gave a different card that didn't match the promise offered. Instead it's supposedly offers cash back that never comes.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally complain about a fraudulent and unauthorized credit inquiry appearing on my credit report. This inquiry was made without my consent or knowledge, and its presence is negatively impacting me as it might suggest potential identity theft.