davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Take the late payment information off of my account because this is incorrect. I spoke with a representative and manager from XXXX and they told me to file this complaint because I am not suppose to have late payment remark on my loans when by law they can not do that anymore and Ive been in school for over 10 years as well. I am not required to start paying back loans as of yet. Some credit reporting companies are showing late and some isnt showing late payments! I am currently enrolled in school now and have attached my schedule. All of my loans have been consolidated. Please goodwill deletion off my credit or at least correct my payment information to never late!
Consumer complaint received 2024-10-10
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (OH)

They told me in XXXX XXXX that getting this loan would help me out and convinced me to put my car in the loan agreement to make sure I get more money and at the time Covid hit so I needed it and a year later I totaled my car and my car insurance paid off the loan and didnt give me anything I went through so much trouble without having a car and now that my car settlement paid them up and left me with nothing its XXXX and now there telling me I have to make XXXX dollar payments and they wont reconstruct the loan to a amount that I can pay they ripped me off and sold me lie to get more money out of me and expect me to pay it back and keep calling me 2 times a day saying that they can help me and dont
Consumer complaint received 2024-10-15
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: SYNCHRONY FINANCIAL (GA)

My problem is that I was not giving a forewarning once the limit started to decrease. They will wait until I paid the balance as of around XXXX I started paying the card down from being maxed out at the total credit limit of {$500.00} so that by XXXX it was at 30 % but by the time the credit card statement ended it it messed up the original plan as it had changed the limit from XXXX to XXXX so instead of it showing a 30 % usage it was showing more. And they did this repeatedly as I paid it down to where which now the credit limit was XXXX and I wanted to make sure it was sure no more than 30 % usage And again they changed the limit in the midst of the billing cycle so that wants to cycle was finished it show more than 30 % usage with a credit limit of {$100.00}. I wasn't given any forewarning. And this was a car that was always minimum paid and as of XXXX being managed properly. As a matter of fact as the limits began to drop I started not to use the card with more than a 30 % you should teach month and making sure it was paid down to 15 % if not to XXXX.which is not very much because now it's {$100.00}. My thing is that I had the Care Credit managed by the same company so that my wife could do her dental work. Now that usage or the ability to pay off was not done in the matter which I understand why they decreased that limit ..... But the t.J Maxx I don't understand as I diligently had that card paid down and them asking to please I'll show Mercy on that account. I see that the sounds account was never bothered. And I am okay with the Care Credit being reduced but I'm asking since TJ Maxx has had a better history that it please be shown some mercy... I missed my wife as an authorized user and the drops in the credit limit also affected her credit history. And again this was the car that was managed much better and if they had not messed with the limits it wouldn't have caused her score to decrease as I say they didn't change the limit after the billing cycle it was during the broncycle world which the amount pay it was expected to have a more positive outcome The following month in addition to the credit reporting.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is giving lenders XXXX different scores internally. This is a major violation how is it I see a XXXX and they get a XXXX? XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX  which I never sent anything to sent me the attached today. I am including the score I see either way they both are incorrect and the phone number is on their site to call them because you can not dispute credit pulls online why? 

Experian Also has only one report for a dispute and I have been sending disputes in since XX/XX/XXXX and they have nothing including attachments. Nobody answers phones there, it is only a bot that sends you in circles for hours and hangs up. All my pulls from Experian are frauds that I have reported they have NO RECORDS of them and when I inquired about why XXXX scores they told me " Call a Licensed Credit Advisor they will address your problem we get our numbers from them and we do not know why they tell us the numbers they do. '' So they don't know why and can not change scores or why they are the way they are and lost all these documents for 6 months I have been sending them? 

I need a loan and can not get one I have been trying since XXXX in improve my score so I can get a loan, but i don ; t need a report to tell me that my score needs to be higher and I can not get any credit because my score is too low so my only hope is to get these violations removed to get my score up again and then get a card and a loan, but un 6 months I have not sse them fix one thing and this is XXXX  up my life and it is their reports my credit was fine. 

they want another 60 days which is 6 months and they have done nothing and the one that was supposed to be gone in XXXX. Experian the XXXX number sent me to the first human I could ever talk to at Experian who said they cant do anything.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

As of today this company get reporting me to XXXX XXXX  of a closed acct of being late. This acct has been close for over a year. And this company continue to charge late charges and report this acct as if it is an active acct. balances of this closed acct continue to rise because this company is fraudulently and continues to report late payments and late fees knowing this acct has been closed.
Consumer complaint received 2024-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/XXXX, I deposited XXXX into Venmo from a company called XXXX XXXX. I got into an accident last week and we agreed upon a payout. XXXX XXXX offered that payout using Venmo and other services but I choose Venmo not knowing they would hold my money for XXXX days! I tried to withdrawal my money the same day on the XXXX and they told me my account is being frozen for unusual activity! I was told I violated the user agreement but I dont understand what I did. I just want my money and I will never use the site again!!
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

I deposited checks in person at Chase Bank and they placed holds on both checks. I deposited on Saturday XX/XX/XXXX. Today is XX/XX/XXXX. 

The wage related check was from the same employer payroll account, which was direct deposited into my Chase account from XX/XX/XXXX - XX/XX/XXXX and I pointed this out to Chase. 

The non-wage check is drawn on the former employers XXXX XXXX business account for XXXX XXXX XXXX. 

[ Chase released my wifes settlement checks from same employer after 2 days and she deposited hers the afternoon prior. ]. 

Deposited : Check from previous employer for back wages. Check XXXX in amount of {$17000.00}. Date of check XX/XX/XXXX. Check was cut by the XXXX XXXX in XXXX XXXX, CA, representing former employer. 

XXXX XXXX check on behalf of their client ( my former employer ) as settlement of non-wage related claims. Check XXXX, in the amount of {$31000.00}. Check dated XX/XX/XXXX. 

I have made numerous calls to Chase Bank, only to get the run around. I want the release of my checks ASAP and daily interest paid by Chase Bank to me for everyday they hold my funds. 

Again, they released my wifes XXXX checks from same employer after 2 days. They continue to hold mine. my wife is XXXX  and I am XXXX.
Consumer complaint received 2024-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (DC)

I received a Cash App XXXX card in the mail, however it was sent to my brother 's address. I have never lived at this address. All that was included with the debit card was information on activating it. I did not sign up for a Cash App account or request a debit card. I called Cash App and was immediately disconnected. I then called XXXX and they deactivated the card and advised me to call XXXX XXXX, who issued the card. When I called XXXX XXXX, I got an automated greeting, and the first thing they said after stating their name was, " If you are a Cash App customer, please call them '' so the bank was of no help. I tried Cash App again and finally got a hold of someone. I provided him with the information on the card, my zip code, and my email address. He confirmed the account was suspended. I never received written confirmation that it was done.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that 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 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 XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened a Capital One checking account, and my account was unexpectedly frozen. I was instructed to verify my identity, which I did in person at the bank over a month ago. After verifying all my documents, I was told to wait. Ive since followed up multiple times, both in person and over the phone, and was repeatedly told to wait, with no resolution. 

Today, I was informed again that I need to wait further. This process has been unreasonably time-consuming, and all of my documents, including my phone number, have been verified. I asked how much longer I have to wait, and the representative could not provide an answer. 

I am requesting to close the account and have my money returned, but I was told I would have to wait even for that. It is unreasonable to expect me to keep calling for updates. You should be contacting me with the resolution, not the other way around. This situation is unacceptable, and I believe it is a violation of the agreement and my rights as a customer. I demand a prompt resolution to this issue.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

I was notified by letter from XXXX I was included in data breach XX/XX/2024. I was offered " XXXX XXXX XXXX '' membership " at no charge '' for unspecified time period. I went to website provided in letter " ExperionIDWorks.com/plus credit lock ''. This address directed me to " alprea.com '' which my computer identified at unsecure. I searched online for Experion IDWorks, which basically asked me to provide all of data XXXX advised me had been stolen, without reference to XXXX activation code providing free monitoring. If felt very suspicious as well. I reviewed online " terms and conditions '' for XXXX and only found references to a company called " ConsumerInfo.com. '' This also seemed odd. My questions are what exactly is the service provided, how long is the service provided for free, what are the alternatives available. I called XXXX first, they told me to change XXXX password, and directed me to call ExperionIDWorks XXXX. They could not answer my questions and directed me to XXXX customer care XXXX. They could not answer my questions and directed me to a number just for XXXX customers XXXX. I was on hold for XXXX minutes and disconnected. I called again, was again put on hold for XXXX minutes, exactly. I spoke to a representative. She was only able to enroll me online. She did not know anything more about how the services worked, what if any alternatives are available, or the origin of " ConsumerInfo.com '' In the course of our discussion I was again disconnected.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is a follow-up to CFPB complaint : XXXX. 

Capitol One Bank has replied to the CFPB, OCC and me with a bland non-answer to my concerns about how the bank allowed not XXXX but XXXX accounts to be opened in the name of my company. The company has confirmed that the account was closed -- - even though there were XXXX accounts -- - but it has not replied to any of my other inquiries. 


Capitol One Bank was in clear violation of federal Know Your Customer / Know Your Business requirements, and it has failed to respond to my inquiries about who opened the account, how it was opened, where it was opened, or any additional information. 


Instead, the bank told me to visit its security page online to learn more about Capitol Ones commitment to fighting identity theft. I dont care XXXX whit about its supposed commitment -- - I want to know who opened the accounts in my companys name, what action Capitol One Bank is taking to protect my companys credit reputation, and how it allowed this XXXX XXXX XXXX infraction to happen in the first place.

CapOne Bank is putting the onus on *me* and XXXX XXXX to sort out a mess *it* created. 

Thats unacceptable. 

The CFPB should follow up with CapOne Bank about its clear XXXX XXXX XXXX violations, and advise me and my company what action the CFPB has taken against CapOne for those violations. 

In addition, as remediation : -- - CapOne Bank must notify the personal credit bureaus and the business credit bureaus ( like XXXX XXXX XXXX ) of the identity theft, and assure that the information is provided to them. 

-- - CapOne must provide me with information about where the accounts were opened, what type of accounts they were ( checking / savings / debit cards issued, etc. ), how they were opened, and what steps it has taken to protect my companys and my identity. This is not a requirement for *me* to handle ( as suggested in the CapOne Bank letter from XXXX dated XXXX XXXX ) ; this is a requirement for CapOne Bank XXXX which allowed the identity theft in the first place.
Consumer complaint received 2024-09-26
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. (OH)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SSN : XXXX Date of Birth : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX TRANSUNION FILE NUMBER : XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a XXXX XXXX XXXX. The information listed below, which appears on my TransUnion credit report, is the result of that trafficking. 
Accounts : Account numbers : Date Opened XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I also need the following names and addresses be removed from my TransUnion credit report which is as a result of the XXXX 
Names to be removed : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX And I am asking for the following addresses to be removed which is also because of the XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I am finally asking the following Employment Data to also be removed which is also as a result of the trafficking. 
Employer Name : Date Verified : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of signed self attestation form to prove I am human who has been a XXXX XXXX XXXX so I do not need TransUnion to say or write me and say they could not verify me or my account. 
Please block this information from my TransUnion credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX XXXX XXXX XXXX if the consumer has provided documentation of XXXX to the agency. I have attached documentation of my self attestation to you TRANSUNION Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (DC)

XXXX XXXX XXXX Washington XXXX DC XXXX XX/XX/XXXX Hunter Warfield , Inc . 

XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Dispute of Incorrect Charges and Request for Immediate Removal of Credit Report Entry Dear XXXX XXXX XXXX am writing to formally dispute the charges of {$14000.00} currently attributed to me and handled by your agency. Upon reviewing my records, I found that this amount is inaccurate and unjustified. Initially, I was informed that the outstanding balance was {$11000.00}, which I also contest as incorrect. My original lease agreement was with XXXX, and I did not renew my lease upon its expiration. I terminated my lease and vacated the property long before Hunter Warfield acquired any involvement. 



XXXX, the company to which my lease was originally assigned, either went bankrupt during the XXXX pandemic or sold the property. During this transition, no new lease agreement was signed, and I had already vacated the premises. I have also reviewed all related court documents, and none indicate that I owe any outstanding balance to XXXX or Hunter Warfield. Therefore, the charges being pursued by your company are entirely unfounded. 



Additionally, this debt had been removed from my credit report, and I was dismayed to find that it recently reappeared on my XXXX report. I respectfully request that this entry be removed immediately as it is an inaccurate reflection of my financial history. I owe no financial compensation to Hunter Warfield, nor did I ever enter into an agreement with your company for any charges. This situation has caused a significant hardship, particularly during and after the XXXX pandemic, impeding my ability to secure housing and recover financially. 



This fraudulent and unfair charge will be escalated to the District of Columbias XXXX XXXX XXXX XXXX XXXX XXXX, as well as the Consumer Financial Protection Bureau. It is imperative that this issue is resolved promptly to avoid further action and to prevent any additional negative impact on my credit history. 



I expect immediate attention to this matter and the prompt removal of this erroneous charge from my credit report. Please confirm in writing that this account has been fully resolved and that the negative entry has been removed from all relevant credit reporting agencies, including XXXX. 



Thank you for your immediate attention to this urgent matter. I look forward to your swift resolution of this dispute. 



Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX {$14000.00}
Consumer complaint received 2024-09-26
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. (SC)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.