davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-24
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2020-02-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This complaint is against Capital One 360 Checking. On XX/XX/2024, I attempted to deposit {$3800.00} ( XXXX {$100.00} bills ) using a Capital One ATM at the XXXX XXXX Capital One XXXX. The machine accepted the money but did not update my account balance. Instead, it displayed an error message and returned my card. 

I immediately spoke to a banker at the ATM, who filed a dispute and expedited the refund process. I also contacted a supervisor and a manager over the phone, and they assured me that they had expedited the provisional credit request for the dispute. They told me I should receive the money by the evening of XX/XX/XXXX or the morning of XX/XX/XXXX. 

However, as of now, I have not received any provisional credit or resolution. My money appears to have been taken by Capital One. My rent, due on XX/XX/XXXX, incurred a 10 % late fee due to this issue. My account is overdrawn, and the only response from the bank has been to wait 10 business days.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have been with Capital One for their credit cards since XXXX. I have received one credit line increase for {$100.00} and have requested a credit line increase once every year for the last 3 years. I have been denied ever since XXXX, I have never been late, I have paid before the due date and over the minimum amount due for years. Each time I have requested an increase they have used different excuses to deny me. I requested another credit line increase in XXXX of XXXX. When speaking with the supervisor, I questioned on why I was denied a limit increase and even she couldn't understand the denial when she read over my credit history with this financial institution. Not only do I have a credit card account, I have a checking and savings account with them. As previously mentioned, I have made payments in a timely manner, above the minimum amount due. The payment due date of the card is the XXXX of each month. When I make the call to Capital One to make a payment, usually on the XXXX or the XXXX of the month, they are instructed to contact my personal bank to get the funds to make the payment. This is how I know that my payments are on time, and I have my statements as well. There is no justification as to why I have not received more credit line increases. This matter needs to be investigated further. Especially when I have another card with my personal bank and was successful. I also, noticed on my credit report Capital One has reported three late payments to the credit bureaus.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NY)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 that states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies, I am the consumer and I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 that states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Discover Bank, XXXX and XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 in section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, Discover Bank and XXXX and the Consumer reporting agencies XXXX, XXXX, and XXXX did not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) clearly states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Discover Bank, XXXX and XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Also 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A also states " 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. And 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Thank you.
Consumer complaint received 2022-12-04
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have XXXX Chargeoff accounts on my credit report ( XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX and XXXX XXXX XXXX ). I have made several attempts to dispute these charges because when i called the collection agency ( XXXX XXXX ) they very first told me i was no longer obliagted to pay and try to settle the debt and sent me formal letters of deletion in the mail. However, i can not find these letters. That was XX/XX/XXXX. Just recently on XX/XX/XXXX i attempted to call XXXX XXXX  because this is the address that shows up on my credit report as lender info however the representative told me there was no record of collection agency that it was sold to and that it normally sells to XXXX XXXX  so i called there. The representative at XXXX XXXX XXXX, when i gave her my social said that there is no information on file coming up by my social and that i would need to contact the legal department there on Monday morning. i should not have to carry around debt that i am not able to settle because my accounts can not be found anywhere
Consumer complaint received 2024-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

There were two unrecognized hard inquiries reported on my credit account. One from Kohls Capital One on XX/XX/year>. I called The Kohls department on XX/XX/year> and they were unable to identify any credit card inquiries or provide any information about a fraudulent attempt. The second was a fraudulent hard inquiry from XXXX XXXX. XXXX XXXX was contacted in XX/XX/XXXX and confirmed that a fraudulent attempt was made to open an account on XX/XX/year>. They identified that it was fraudulent and gave me a case number.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (IA)

I opened an account with Synchrony while I was single. I then got married and added my husbands XXXX XXXX  account as an external account to my Synchrony account and made deposits from his XXXX XXXX  Account ( on XXXX ). The deposits were accepted by Synchrony, but then they suspended the account ( on XXXX ) due to suspicious activity of adding my husbands external account ( after they accepted the deposits - If this was an issue, they should not have accepted the deposit ). But when trying to move the money back into his XXXX XXXX  account ( as advised by Synchrony, on XX/XX/XXXX ), they restricted the account and would not move things along after calling XXXX times and speaking to multiple managers. Causing an insane amount of stress as now, all of our money was being withheld from us despite having credit card bills from our wedding, a new house and mortgage payment, etc. I have never paid a late credit card bill, nor have I ever not had the required amount of fund to purchase things/pay a bill. Now, all of our money is in the Synchrony account and unable to be transferred due to the account still being under review ( we have also requested this to be expedited on XX/XX/XXXX, and we are still waiting on XX/XX/XXXX ). The lack of help we have received from Synchrony is painful, everyone keeps saying that it is moving as quickly as possible.
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: SOFI TECHNOLOGIES, INC. (CA)

On XX/XX/year> an address in the state of Michigan belonging to a family member attempted to be served papers in my name. I am not a resident of Michigan, have not been a resident of Michigan in several years. SOFI has filed a lawsuit against me in an entirely wrong jurisdiction which violates the FDCPA. The law firm acting on behalf of SOFI also partaking in the FDCPA violation is XXXX XXXX XXXX XXXX. Lawyer name on lawsuit is XXXX XXXX who is also violating FDCPA
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Ive been having a problem with equifax for about 2 years now do the the breach of my information which thanks to equifax down website let me know that my information was breached no accommodation or proper investigations have been made which has cause me stress and XXXX in the pursuit to gain my life back and fix my credit score back in order being treated as if I had done something wrong when infact equifax knew about this breach the whole time it has cause me tremendous loss from business opportunities and being deprived of taken care of my family and my character being destroyed behind this bring on a lot of unhealthy un wanted pressures me and my family are on the brink of XXXX behind equifaxs actions
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

On XXXX XXXX, University XXXX XXXX has refunded and returned {$6700.00} back as I withdrew from taking Fall 2023 classes. This withdrawal was 100 % refundable as I was within the deadline. Its been 6 weeks now, and that amount {$6700.00} has not been posted or deducted by Dept of Education or Ed Financial from my student loan balance. Everyday the interest rate is increasing from a student balance thats not updated.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an XXXX  XXXX REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (GA)

XX/XX/year>, I disputed XXXX charges. The agent I talked to, seem like she didn't understand why I was disputing the charges, and she had a strong accent which made communication hard. I disputed the transactions because, because the vendor was suppose to send real items but instead sent fraudulent/replica items which I didnt attend to purchase. And only XXXX days later XX/XX/year> they denied my disputes. How can your bank deny your disputes if you received XXXX/fraudulent items instead of real, also with no history of doing business with theys type of businesses. If the items I received were real, I wouldn't need to file a dispute. It's common sense.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

To Whom It May Concern, Navy Federal XXXX XXXX XXXX closed my account, rendering it inaccessible. On XX/XX/year> I noticed I received a payment of {$400.00}, in the beginning of XXXX ( dont know the exact date because I cant access the statements but I do have a screenshot of it ) which I could not access due to the account closure related to an overdraft balance. In early XXXX, I visited the branch to resolve the issue and was informed that a banker needed to consult with a manager regarding the account. Due to time constraints, I had to leave and planned to return the next day. 

The following day Navy Federal immediately accessed the account and applied {$300.00} towards a debt they claimed I owe. Despite this, I am unable to access my credit card account. Following this transaction, Navy Federal locked the account again, marking it as " credits only, '' as if there were fraud concerns, though no fraud had been reported.

Subsequently, I called Navy Federal to inquire about the issue and was advised to visit the branch again. On another call, a representative managed to convert the " credits only '' account back to a regular checking account and later that day I then visited the branch and obtained a debit card. Although my checking account, previously closed due to overdraft fees, it is now open, Navy Federal recently withdrew another payment of {$42.00} on XX/XX/year>, for the closed credit card. 

I am deeply concerned about the inconsistent handling and abrupt changes to my account without my consent or prior notice. According to the law, while my credit card account is publicly closed, it is privately open, and I have up to three years to reopen the account. I request that Navy Federal reopen my credit card account in good standing, as I filed a 1099-A on XX/XX/year>, for the entire balance for one year. This 1099-A has been approved by the IRS, and I have provided proof to Navy Federal .