davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

I am writing to formally dispute inaccurate information on my credit report and request its deletion in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant laws. This letter pertains to my rights under the following statutes : This Debt has been resolved and yet XXXX XXXX XXXX hasnt removed this account from my credit report! Its reporting on XXXX and XXXX Relevant Legislation : 15 U.S.C. 1681 : General provisions and definitions 15 U.S.C. 1681e ( b ) : Compliance procedures 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information 15 U.S.C. 1681i ( a ) ( 5 ) : Reinvestigations of disputed information Disputed Information : Upon reviewing my credit report, I found the following inaccurate and potentially fraudulent information : Creditor Name : XXXX XXXX XXXX Account Number : [ Number ] Date Opened/Inquiry : XX/XX/year> Reasons for Dispute : Inaccurate Reporting : Under 15 U.S.C. 1681e ( b ), it is required that credit reporting agencies maintain maximum possible accuracy. The listed items do not meet this criterion.

Obligations of Furnishers : As per 15 U.S.C. 1681s-2, the furnishers of this information are required to report accurate data. Their failure to do so necessitates the deletion of these entries.

Reinvestigation Requirement : In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I am requesting a reinvestigation of these entries and their subsequent deletion.

Supporting Documentation : I have enclosed copies of the following documents to support my dispute Action Requested : I formally request that you : Delete all the disputed accounts on my credit report. 
Ensure that all inaccurate information is permanently corrected and removed. 
Provide me with a corrected copy of my credit report reflecting these changes. 
Refrain from re-inserting any incorrect information unless it is verified as accurate.

Legal Rights : Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to investigate my dispute and correct any inaccuracies within 30 days. Additionally, under 15 U.S.C. 1681e ( b ), you must ensure the maximum possible accuracy of the information reported.
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX TransUnion have been dragging this investigation out in regards to XXXX XXXX XXXX COLLECTION ON MY PROFILE the three credit bureus are notorious for lying and responding back verified ATTACHED you will see I have exhausted my attempts to get XXXX XXXX XXXX to prove I owe such for a construction bill that I never knew or bearing my signature the XXXX  Complaints XXXX XXXX XXXX also in the emails attached stating one thing and I am getting another exscuse BOTTOM LINE XXXX IS DRAGGING THERE FEET NOT RESPONDING WELL OVER DUE the credit bureaus need to remove from profile THIS DOES NOT MEET THE FAIR REPORTING LAWS this is been going on for well 60 days. also I would like to add to establish the bureaus generated response 's PUBLIC RECORD VERIFIED AND THE COURT RESPONSE XXXX XXXX Does Not Report To Bureaus so Verified was a lye and still showing on report, they can not report such, the bureaus have to verify from the source this is illegal reporting and a blunt disregard of the law
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have provided all four pieces of information and expect these listed accounts to be deleted and blocked within four business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CT)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-06-19
Product: Credit reporting 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 writing to file a complaint regarding identity theft that has impacted my credit report with XXXX. Despite my efforts to resolve this issue directly with XXXX, the fraudulent information remains on my report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, XXXX is required to block the reporting of any information that the consumer identifies as resulting from identity theft within four business days of receiving proof of identity, a police report, and an identity theft affidavit. I have provided all necessary doc umentation, and I demand that XXXX immediately remove all fraudulent accounts and inquiries associated with the identity theft from my credit report.

15 U.S.C. 1681c-2, Fair Credit Reporting Act ( FCRA ) - " Block of information resulting from identity theft. ''
Consumer complaint received 2024-06-16
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: Experian Information Solutions Inc. (DE)

My recent credit report is showing unauthorized, and unverified inquiries. These inquiries are hindering me from utilizing my credit. The unauthorized inquiries will be listed below and according to the FCRA they should be removed immediately. These inquiries are being reported to all three credit bureaus Experian, XXXX, and XXXX and needs immediate removal. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/year>, an individual tried to make a payment through my bank account in the amount of {$1400.00}. I received a text message from my bank stating that my account was overdrawn over {$300.00} because this individual tried to make a payment from Capital One. I contacted Capital One and spoked to a representative from the fraud department and stated that I did not make this payment I had already made a payment on this account in the amount of {$110.00}, so why would I make a payment of {$1400.00}, when I can not afford that. My payments are very consistent each month. I was told by the representative to call my bank, so I did. I called my bank and the bank representative stated that because they did not pay for the transaction for me not to worry it would be reversed by the next business day. The amount of {$1400.00} was reversed as the bank representative stated on XX/XX/XXXX. I thought this situation was over with. After my money was returned back to my account, I received an inquiry from my credit report that this individual also applied for a Capital One Platinum Credit Card. I called Capital One and stated that I did not apply for this credit card. Why would I because I already have a Capital One Platinum card. After going back and forth with the representative, he cancelled the application and stated he would take the inquiry off of my credit report. On XX/XX/XXXX, after this individual did not get approved for the credit card. He attempted to try to make another payment and this time he did it from his XXXX in the amount of {$1400.00}. I was told this by the Capital One representative. This purchased changed all of my information to his information. He listed himself as an authorized user and changed my address to XXXX XXXX XXXX, XXXX, CA XXXX, and Capital One sent this individual my Capital One credit card. The representative act as if she was in shocked that this is happening. This individual name is XXXX XXXX. I learned his from some of the that was made on the card and at the time on the pending transaction it had his name, and it was confirmed by Capital One. I did not make these charges or payment of {$1400.00} on my account. This money was unauthorized taken from my checking account. I have never lived at this address, and I do not know this person. I am a victim of identity theft. I have a fraud alert on my credit report, so I do not understand how this keeps happening and no one is prosecuted for this crime.
Consumer complaint received 2024-07-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (NY)

I applied applied for a personal loan on XX/XX/XXXX. Per the company 's submission process, I submitted the application. Then I submitted all documents : two years of W-2 's and pay stubs. Then a few days later, they requested a voided check. That was sent. They then asked for a bank login. I was skeptical, but submitted it. That was Saturday. I was told I would here back within 2 days. That was XX/XX/XXXX it is now XX/XX/XXXX. Now when I called they are telling me they can not verify my information. I am flabbergasted. This is beyond unprofessional. The reps are telling me their system is not working. lol This is 2024 the age of AI and technology. The " dog ate my homework '' is not an acceptable excuse. This is patently unacceptable.
Consumer complaint received 2024-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XX/XX/XXXX- XXXX XXXX, I received 6 XXXX payments from a XXXX XXXX. I verified their identity, via drivers license. Originally XXXX XXXX XXXX failed. They had to call the bank and verify their identity with the bank. Bank of America, verified the XXXX, and release the payment. They made 5 more payments to me after that totaling {$3100.00}. In XXXX XXXX filed a complaint for fraud, more than the 120 days protected by law, and Bank of America, reversed all the XXXX payments out of my account. How do zelle payments greater then 6 months old get reversed when the bank verified them in the first place. If this was truly identity theft, failure to report fraud in a timely manner should be on XXXX, not me or Bank of America.
Consumer complaint received 2024-07-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (VA)

I have 4 personal loans with upstart. I am behind on all of them. It's not that I can't make the payments currently, I just can't afford all the ones I am behind on. I called upstart to see if I can work out a payment plan, I was told tough luck. I had to make payments or else face bankruptcy.
Consumer complaint received 2024-06-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX and XXXX update a auto loan that has been paid off on XXXX from XXXX XXXX is not updated on XXXX and XXXX is hurting my credit report I have asked them to update their records no response past 90 days please update.
Consumer complaint received 2024-06-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (MT)

I have had many XXXX  loans through citizens bank. All paid on time in full. My last one, XXXX, was on autopay. At some point, the autopay was disconnected and I found an email notice of such in my email junk mail. I had no idea that there was ever a problem with the account. I received no call even though they have my telephone number. I received no letter, even though they have my address. I logged on to my account and all of my number loans said " paid in full '' and " closed. '' No indication of any problem whatsoever. I next called their call center, which says it is open 24 hours a day. Their own representative indicated they could not find a loan with any issue among my paid loans. I next went to my original documents and located a loan number ( because nobody would give me one and no statements are provided by the bank ) and called back and was told that my account was in " asset recovery status. '' I was furious, because I was never informed that there was even a problem. I offered to pay right there on the spot and they would not accept a payment. How is it that they can delete your account from your online account so you can't see it when there is a problem and then refuse to accept payment when you try to pay. I also can not see my payment history to even know what was paid because they remove it all from your account. This should be illegal.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have deposited a check from the same client/bank XXXX  times. XXXX times my check has been on hold for XXXX days past the deposit day. 

I called to inquire about the hold and the bank did not remove the hold nor did they provide workable solutions to ensure my money was in the account in a more reasonable timeline. 

I asked to submit an internal complaint but when I asked for a copy of my complaint to ensure it was taken into account I was informed that I could receive a copy. I do not know if the complaint was filed as the supervisor was not typing and I did not receive a copy to ensure it went to a department
Consumer complaint received 2024-06-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

I have an a checking, savings, and cd with navy federal credit union. My accounts were account overdraft and drained and also a credit card was open in my name. I had a total of XXXX now Im left with nothing. I went inside the bank and they had me fill out an affidavit. Seven days letter I called the bank and they told me my claim was denied because it was done on my device. During my time at the bank they mention a XXXX called in and the transferred money from my cd. I told them thats not my number. My number is XXXX. I dont understand how someone can call in and transfer money from my cd. I was told my cd was suppose to be locked. I was told I couldnt transfer money or withdraw from my cd until the maturity date which is in XXXX this year. I was told that my funds would be locked and secured for a year and that I could only make deposits to the cd. I dont have money to just give a way I worked hard for this money. I at least want the {$8000.00} took from me. I trusted navy federal with all my money and its not my fault they allowed someone to take all my money out of my accounts without validating my personal credentials or alerting me what was going on with my account. I work to hard to just let my money go away like that.
Consumer complaint received 2024-06-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was making payments with the collector. I asked for monthly notifications to be sent however they never were. I forgot to make a few payments and the collection agency reached out. I was speaking with them about starting back up payments. I was working with them and reaching out several times via phone and email where the agent I was assigned was not responded. My account got garnished!!! I tried calling other numbers and found out the agent I was working with was no longer at their company!!! This caused a huge about of hardship on me and my family. It took a long time to get my bank account unfrozen. I couldn't even make mortgage payments with my account!!!! I worked with them to resolve just so I could get my bank account working again. After I asked them to work with me on a new settlement and they declined. I feel it's very deceptive for a company not to send monthly statements. Most people in my position are VERY busy and trying to keep their heads above water. I was working 3 jobs at one point, have 3 children, etc. XXXX XXXX XXXX should be investigated! Capital One shame on you for hiring a deceptive debt collector that prays on customers!
Consumer complaint received 2021-07-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (FL)

I am a victim of Identity theft. Please delete or remove this item on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/year>, without notice or explanation, Synchrony Bank closed my XXXX XXXX account and reported that it was over the credit limit ; I have never had a late payment and in fact, have paid the account off in-full more than once. At the point that they closed the account, I had already paid the account off in full. During the billing cycle, I did have two returned payments due to the account I was using being in " locked '' status ( which I did not realize ). However, once I realized the error and the system would allow me to pay the bill again ( I tried to pay earlier, but my balance had not yet updated, and their system would not allow me to make another payment, thinking my account was paid off ), I immediately paid the full balance again. This final payment was made on XX/XX/year> and their system told me it would be credited to my account that same day because it was made before the cut-off time ( which I believe was XXXX ). Since XX/XX/year> was the last day in my billing cycle, this payment should have shown on my statement and also should have been included in the balance reported to the credit agencies when the account was reported. However, Synchrony is now reporting to all XXXX bureaus that I am over my credit limit, which is affecting my score.
Consumer complaint received 2024-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MILLENNIUM FINANCIAL GROUP, L.L.C. (OK)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.