davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I applied a Capital One card and was approved instantly on XX/XX/XXXX. Then the nightmare started. I provide annual income based on W-2 of last year. A couple of days later I was notified a schedule payment using the newly approved card was decline! Using the app, I found the account was restricted after annual fee was posted. I contacted the customer service the next business day and was told to submit 3 recent bank statements to verify the income. I proposed to provide the 2022 W-2 and recent paystub, in addition to required bank statements. But the proposal was rejected! 

After a whole week without any update ( no email, no phone call, no notification in app ), I called them again and was suprisedly told the account was actually closed several days ago and there was no way to reopen it. They explained that from those bank statements ( direct deposit after tax, retirement allocation and other deductions ) they couldn't reconcile the income I provided during the application. 

How ridiculous it was the way they arbitrated an applicant 's ability to repay the debt and so light-heartedly wasted consumer 's hard inquiries in their credit report. This kind of misbehavior is totally unacceptable. I have 800+ credit score for more than 20 years, it is the first time I was treated so unfairly by a credit company like Capital One. Folks, you need to stay away from it. Don't waste your time and precious credit inquiry.
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 : XXXX XXXX account number XXXX, Account name - XXXXXXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX Account name : XXXX Account number XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states : No consumer repoeting agency may make any consumer report containing any of the followong information. Any adverse item of information, other than records of conviction of crimes which antedates the report of 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 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX {$780.00} XX/XX/XXXX
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/XXXX and XX/XX/XXXX, I was communicated by two individuals posing as an XXXX and the clients via XXXX and text to deposit fraudulent checks. I sadly did so and was asked to transfer money to XXXX Navy Federal Credit Union accounts. The amount of the fraud checks in total was {$4000.00} ( XXXX of {$500.00} each ). Luckily, NFCU caught on to the fraud checks to stop me depositing them. They did shut down my mobile deposit function in their. However, as another punishment or the individuals themselves are reversing the {$4000.00} and taking my actual hard earned money.
Consumer complaint received 2023-03-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (TX)

I had made an inquiry online regarding a mortgage through LoanDepot. I did not authorize any hard credit inquiry on my credit report as I was not ready for that yet. I received a phone call from an agen from LoanDepot and he walked me through some of the steps and said they would do a " soft credit inquiy '' and it wouldn't affect my score and I agreed since I was not ready to move forward witht the process at that time. 

I never once, on the phone or on line, agreed t a hard credit inquiry and they one! My credit report shows a hard credit inquiry and a softy credit inquiry from them on the same day XX/XX/2023 through " XXXX ''. 

I contacted them regarding this and they are saying that I did authorize this and I absolutely did not. I asked them to pull the recording of the conversaion with the agent to prove this. 

They are saying that I authorized it and have left it at that. 

I did some research on them and it turns out that they do this a lot and I ready many reviewss with the exact same situation as I am in. 

Please help get this off my credit report and fine them and look into their practice of doing this since it seems like it has happened over and over to many other people.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I acquired my credit report and noticed several errors on my report and asked the credit reporting agencys to make sure that everything was complete and accurate according to 15 U.S.C.1681i I waited 30 days to hear back from the consumer reporting agencies and did not receive anything in response to my dispute. Also nothing was changed or modified on my credit report not only are these accounts listed inaccurate I am also a victim of identity theft. 15 U.S.C. 1681 section 602a. States i have the right to privacy 15 U.S.C 1681 section 604a section 2 states the a consumer reporting agency can not furnish a account without 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, other than records of convictionsof crimes which antedates the report 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 reason to believe that information is inaccurate. 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 XXXX XXXX XXXX XXXX, IN XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX & XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX number XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. I asked the consumer credit reporting agencies to block these account per the fcra615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A I gave formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I would like to mention that their failure to prove that these accounts are 100 % Accurate they are now liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance If they do not follow the law after this complaint I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should they continue in your deliberate obstruction of the law.
Consumer complaint received 2023-03-06
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: CAINE & WEINER COMPANY, INC. (GA)

On XX/XX/2023 I submitted the attached letters to Caine Weiner & XXXX requesting them to validate the information they are reporting. To date, I have yet to receive a response from either company regarding this reporting. 

This item needs to be deleted from my report as it was not verified within 30 days.
Consumer complaint received 2023-03-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all 3 credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.
Consumer complaint received 2023-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX Reported : XXXX XXXX, XXXXXXXX XXXX XXXX  Reported : XXXX XXXX, 2023, XXXXXXXX XXXX XXXXXXXX Reported : XXXX XXXX, 2023, XXXX 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 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (OH)

Im just now understanding the adult world because Im mentally exhausted trying to fix my credit since Im not the most super smartest person because I wasnt taught how to manage my credit and consumer.. I need these account removed or deleted Repos Credit cards Credit repair services Credit reports and other personal consumer reports Debt collection Payday loans Personal loans like installment and title loans Prepaid cards Student loans Vehicle loans or leases
Consumer complaint received 2023-03-05
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: EQUIFAX, INC. (CA)

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

Account : XXXX. XXXX - Account # : XXXX XXXX. XXXX XXXX - Account # : XXXX Date Opened : XX/XX/XXXX XXXX. XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX. XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX -Account # : XXXX Date Opened : XX/XX/XXXX XXXX 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 MAKEANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF COMVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN 7 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 2023-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is XXXX intertwined issues. 

On XX/XX/22 i attempted to purchase a large item from XXXX ( where I used to live ) And I went over limit. I went back to pay off my balance, as Id been intending to and thought Id already done it. 

I opened the app. 

And on the app my Capital One card said this account has been restricted I was Surprised/thinking they must not have as sophisticated a system as, eg XXXX which sends me texts, etc when it thinks a purchase is fraudulent and asks if you are indeed the one making the transaction. ( Ie I guessed that they thought it was fraudulent because it was through a XXXX store ). But Capital One never got in touch. 

I thought it was strange. But I went ahead and paid off the balance as Id been intending ( the balance was from a major surgey ). And figured itd be back to normal in no time. 

And Several days later, Id had no contact from them and it still said the account restricted. So I called and was told : that they cant tell me anything about it. Not about why. Not about what happened. Not about whats being done right now. Nothing. 

Ive had a bank account with Capital One 360 checking account for years ( around a decade ) but only recently opened a credit card. 

Several days later, I posted on XXXX to capital One, asking if this behavior was normal/could someone please speak to me about it. 

I am, after all, a XXXX. And XXXX is a useful tool. ( And if something happens to me, I know usually its happening to others. ) That was XXXX days ago. 

Today, I went on to my app. Which normally shows XXXX accounts, the checking account with $ XXXX ( literally all of my money ) and the credit card account which Id paid off. 

And today, the checking account has simply disappeared. 

I logged onto my computer thinking maybe it was a mobile glitch. And it wasnt there. 

Ive never overdrafted. I dont ever use checks, so Ive never bounced a check. 

Was there identity theft? 

I have zero information. And at the moment Capital One has taken all of my money.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (CA)

I opened a XXXX XXXXXXXX account and immediately got hit with outrages fees and tried to close it. MoneyLion refused to close it ( I have emails where they refused ) and now its a negative mark on my credit report that they wont remove. They never loaned me any money! They just took money from me and kept it. I shouldnt show a loan that I didnt receive on my credit report! Thats not fair!
Consumer complaint received 2023-03-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reinvestigated my credit report, I realized that some of the information was erroneous.The 3 credit Bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX Balance Owed : {$630.00}
Consumer complaint received 2023-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (GA)

Cash app they sucks soo much and they are absolutely no help very selfish. Just jerks. XX/XX/2023 at XXXXXXXX XXXX a store clerk from XXXX XXXX  gas station over charged my card TWICE when I only spent a few dollars in store and {$1.00} outside at the pump both times XXXX XXXX was taken off my card. Which was all my money at the time. Not to mention there are two declined charges from the same gas station both for {$40.00} each. Cash app did refund me for one of the stores charges. However the denied the other charge which they still owe me {$37.00}. Instead of paying that back they let the store take my {$40.00} and the {$2.00} I actually owed. Which left me with a negative balance. Cash app has never ever never let me slide and go into the negative before this. So they not only let the gas station rob me for {$42.00}. But now they refuse to stop payment thats going though on a whole different incident. I had all receipts I called the police, and any other necessary proof needed for both of these fraudulent transactions. Yet cash app just keeps letting loss my money over and over again.
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please remove the following unauthorized inquiries from my credit report XXXXXXXX XXXX XXXXXXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX 2022 XXXX XXXX  XXXX XXXX 2022 Per the Fair Credit Reporting Act, Section 611 ( a ), any information that is inaccurate, incomplete or can not be verified must promptly be deleted within 30 days of your receipt of this dispute. I look forward to receiving an updated copy of my credit report reflecting the above corrections.
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I appreciate you making the effort to delete and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (NV)

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

15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the written instructions or consent of the consumer ( myself ). 

EQUIFAX and XXXX has furnished my credit file with inaccurate information. Ive disputed it with both parties several times and each time it came back updated. I have provided proof of more inaccuracies committed by both parties. I have the right to an accurate credit file. Please remove and delete this inaccurate account immediately.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

I had my credit score go down XXXX points for a card that wasnt mine. I disputed it and they removed it from my credit report but I never got my points back on my credit score. 
I called XXXX XXXXXXXX and had my name removed from the credit card what wasnt mine and the way removed it and I did the dispute on the experian site and won both and no points have returned.