davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-01-25
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: OPTUM BANK, INC. (DE)

XXXX refunded 25 payments that total {XXXX} on XX/XX/2023 back to my flex spending account called the XXXX XXXX but the funds did not get returned until this date XX/XX/2023.
Consumer complaint received 2023-02-02
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. (CA)

I am worn-out of sending dispute letters to Transunion requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XXXX  and to notify them that I am halfway of taking lawful action and litigate Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-04
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. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And list of Inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-04-02
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: EQUIFAX, INC. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SOFI TECHNOLOGIES, INC. (AZ)

I am concerns with the handling of my fraud claim by SoFi Bank N.A., concerning fraudulent transactions that occurred on my credit card in the amount of {$1200.00}. Despite my efforts to resolve this issue directly with SoFi, I have encountered a lack of cooperation and due diligence on their part, resulting in a denial of my claim without providing substantial evidence or proper investigation. I noticed unauthorized transactions on my SoFi credit card on XX/XX/year> and promptly reported them to SoFi, as per the requirements to limit my liability for fraudulent charges.Following my report, SoFi conducted an investigation into the matter. However, I was not presented with any documentation or detailed explanation of their investigative process. SoFi concluded that no fraud had occurred and subsequently denied my fraud claim, thereby holding me accountable for the disputed charges.The response from SoFi Bank is unacceptable and does not align with the legal protections afforded to consumers under federal law. As a consumer, I am protected by the Fair Credit Billing Act ( FCBA ), which limits my liability for unauthorized credit card charges to {$50.00} when I report the fraud in a timely manner. Additionally, the Electronic Fund Transfer Act ( EFTA ) provides protection against fraudulent transactions for consumers who report unauthorized electronic fund transfers within specific timeframes. By denying my claim without due cause or evidence, SoFi Bank N.A. appears to be in violation of these federal laws that are designed to protect consumers like myself from fraud and unauthorized transactions.

I request that the CFPB take the following actions : 1. Conduct a thorough and independent investigation into the handling of my fraud claim by SoFi Bank N.A., including their investigation methods and the justification for their conclusion to deny the claim.

2. Ensure that SoFi Bank N.A. complies with all federal laws and regulations pertaining to fraudulent transactions, including the FCBA and EFTA.

3. Require SoFi Bank N.A. to provide a detailed report of their investigation into the fraudulent transactions reported, including any evidence that led to their determination.

4. Instruct SoFi Bank N.A. to re-evaluate my fraud claim with the consideration of all available evidence and in compliance with consumer protection laws.

5. If SoFi 's investigation is found lacking or non-compliant, mandate corrective action, including crediting back the fraudulent charges to my account and any associated fees.

I am adamant in my position that I should not be held liable for fraudulent transactions that I did not authorize and that were out of my control. The burden of proof should not rest on the consumer in such cases, especially when timely reporting and cooperation have been duly observed.
Consumer complaint received 2024-02-04
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. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

CapitalOne closed my credit card after XXXXdays of missed payments then proceeded to continue to charge the credit card interest and fees for XXXX months  after closure. My limit on the card was {$7500.00} which had not been exceeded before the company closed the account. After closing the account, an additional {$3000.00} dollars in interest and fees was applied to the outstanding balance and reported to the credit bureau as the amount owed. They also reported this amount on my spouses credit report when her name is not included on the account. I am going to seek legal action against capital one as after calling them multiple times, the customer service folks laughed in my face.
Consumer complaint received 2024-08-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (WA)

On XX/XX/XXXX, I transferred {$500.00} of Paypals virtual currency, XXXX, to my paypal digital wallet. The cryptocurrency showed up properly. 

Then, I ordered my toddler some items on XXXX. I used Paypal to check out, and used Paypals checkout with XXXX of which the only XXXX I had was their token, XXXX. The checkout said it would sell {$40.00} of XXXX, and would finish the remainder after I finished checking out. The checkout process errored out when it sent me back to XXXX. 

I checked my Paypal account and the {$40.00} XXXX it sold was gone- the details said it shouldve been transferred to my Paypal balance, but it was not there. 

To complete the Gap order, I decided to sell {$60.00} XXXX myself ( not during the checkout process ), and the {$60.00} appeared in my balance. I completed my Gap purchase using {$51.00} of that balance. 

I then sold the remaining {$400.00} of my XXXX into my Paypal balance. As of right now, I have XXXX in my Paypal balance, when I should have XXXX. This is calculated as my starting {$500.00} less my gap purchase of {$51.00}. I am missing the initial {$40.00} that Paypal misplaced during my initial checkout. 

Paypal has no way to reach a live person. I opened a support ticket and gave them the summary of transactions, clearly showing I was missing {$40.00}. They closed the ticket today ( XX/XX/XXXX ) denying my case, with no evidence showing where the {$40.00} went. 

I do not take this escalation lightly, but it is clear Paypal is not equipped to properly handle transactions involving their new cryptocurrency XXXX
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NY)

Im filing complaint against LVNV FUNDING for the refusal of allowing me access to online website to review or view my debt accounts in regarding to XXXX XXXX 

They expect me to call them every time I need to make payment which I shouldnt have to. If they can display OTHER ACCOUNT THAT IS NO LONGER EXIST BUT wanting to NOT display 2 other active accounts on the account for me to make payment convienetly then I see no point of them even keeping the account for collection. It just the level of stupidity is beyond me. 

They said they cant make my account available to view online is absurd
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

In a nutshell, Barclays is incorrectly reporting a 30-day delinquency. Minimum monthly payments had been set up since the card was opened in XXXX, but this fell off without my authorization or knowledge and caused the late payment, which is straight-up fraud. 

Below is what I sent Barclays. They responded by saying they were declining to remove the incorrect information, which is just so wrong. 

I paid off and closed my XXXX XXXX XXXX XXXX XXXX ending in XXXX in XX/XX/XXXX. I cut up the card and didnt keep any statements, so I do not have the full account number available. I am writing as the incorrect 30-day delinquent payment from XX/XX/XXXX is still appearing on my credit reports even though it was an error caused by Barclays. This issue was settled as soon as I saw it and I was told it would be removed from the reports, but it hasn't been. 

Ive always had this card set up for automatic monthly payments and it fell off without notice and I had no idea the payment hadn't been made. When I contacted Barclays about the delayed payment issue, they refunded the amount and I promptly paid the outstanding balance and closed my account. The late fee was refunded and I was told the negative mark would be removed from all credit reports. This was a lie as not only has it not been removed, they are now refusing to remove it even though none of this is my fault. 

To add another element of absurdity - as a consequence of this single delayed payment over 13 years - Barclays also reduced my credit line from {$10000.00} down to {$500.00} without any notice whatsoever. 

As if this hasnt been traumatic enough, I had a horrible experience with Barclays ' fraud department that went over an excruciating 7 months from XX/XX/XXXX until XX/XX/XXXX. They offered zero protection when they absolutely should have. I am not happy at all that there are now more issues and Im having to chase them down AGAIN to rightfully clear my name. I will never do business with Barclays again. Period. Buyer beware!
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

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. 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. Please delete the following accounts : XXXX XXXX
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. 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 2024-02-04
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: EQUIFAX, INC. (TX)

I have reported this before on my Equifax and the companies. I " am now reporting again as the information has not been removed. I submitted a identity theft report and it seems as if its not being taken serious as these inquiries are not mine. I will be seeking damages for each violation if they are not removed within 72 hours.
Consumer complaint received 2024-02-04
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: EQUIFAX, INC. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-08-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (FL)

On XX/XX/XXXX a debt for {$520.00} from XXXX XXXX  XXXX XXXX was reported to my credit report by First Federal Credit Control. As of my last appointment on XX/XX/XXXX XXXX XXXX  XXXX XXXX, I didn't have any balance due and no balance is showing on the patient portal website. I never received a letter, e-mail, call or any communication regarding this debt. 

It's been less than 12 months since the last time I received services from XXXX XXXX XXXX XXXX and according to the Consumer Financial Protection Bureau ( CFPB ) debt collection agencies must wait at least 12 months to report an unpaid medical bill to the major credit bureaus ( XXXX, XXXX, and XXXX ).
Consumer complaint received 2023-01-03
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)

I'm accordance with The Fair Credit Reporting Act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681 Account XXXXXXXX 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 and My name is reporting incorrectly MY name is XXXX XXXX XXXX it is reporting as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX or XXXX XXXX and wrong addresses my address is XXXX XXXX XXXX XXXX, GA XXXX These accounts have 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. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C.1681c. ( a ) ( 5 ) Sec States, No consumer reporting agency may make any consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then 7 years.

15 U.S.C. 1681 s-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 in accurate
Consumer complaint received 2023-05-03
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: AMERICAN EXPRESS COMPANY (NV)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-04
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. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.