davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit 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 (TN)

When I first open captiol one they approval me a XXXX credit limit for a bad credit score and I have on time payment for XXXX year and yet they still won't approval higher limit becuae captiol one base by their computer system once u in a bad score u remain in that side on the system and harder give u higher limit nk matter how good standing u become they discrimination but not approval cobsumer equal opportunity like rest of other all due from their old system that keep remaining u on the. Bad side no matter what u do voilate TILA and consumer financial protection law I started with XXXX for XXXX year to have a limit of XXXX limit while other different intentions block me to access higher limit to better my financial hardship due to their unfair practice deceptive abuse I was financial damage due to their unfair system of intentions to not increase higher limit like other people we as consumer should be equal access fair credit limit to better out life to improve I had XXXX year on time payment until covid crisis came and ask for assistance and they hold XXXX  month of payment that I didn't need to make but never disclose that they will report the XXXX month miss payment and ruin my XXXX  year good payment history
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

The account from XXXX XXXX XXXX card. This account was charged off by XXXX XXXX XXXX and the account was close. Income can not be reported on my consumer report this account was filed on my consumer report as debt, but according to 15usc 1681 ( e ) b this is no longer a debt and was forgiven once the account is closed or charged off by the original debtor. 
I would like the Debt of validation letter from XXXX XXXX XXXX the debt collector that is trying to collect the debt for the company XXXX XXXX XXXX bank. 
If they cant provide validation I remedy this be taken off my credit report immediately all XXXX bureaus. This has negatively impacted my life. 
15usc 1681eb Debt of validation letter XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-18
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)

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. 

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 2024-05-10
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. (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 and 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 XXXX 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 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.
Consumer complaint received 2024-05-10
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: EQUIFAX, INC. (PA)

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 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXX Incorrect DOB : XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX  XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-05-10
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: EQUIFAX, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Balance : {$290.00} XXXX XXXX  Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$50.00} XXXX XXXX Balance : {$930.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$50.00} XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$930.00}
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX  Account # XXXX, # XXXX, # XXXX, and # XXXX I do not recognize how these four accounts are reporting on my credit report. I do not recognize the account numbers, account status, account high balances, or late payments associated with them. Everything reported here does not meet FCRA. 

Additionally, these accounts are listed as a charge-off on my credit report, however a balance is still being reported. I never received a 1099-C any of these four account. 

Furthermore, each account is riddled with inaccuracies across the three credit bureaus. These accounts must be removed for this fact alone. I am entitled to a fair and accurate credit report and this is far from it.
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NC)

Beginning on XX/XX/year>2024 SoFi Bank begun rejecting the direct deposits I receive for my child. The payment on XX/XX/XXXX was for {$3600.00}. That same payment was rejected a second time, because they attempt to send payments twice. 
On XX/XX/year>2024 they again rejected the payment for {$470.00}. On XX/XX/XXXX they rejected another {$470.00} payment. I spoke with XXXX XXXX, and SoFi, SoFi claims the payments were tagged as " business payments '' instead of having the XXXX tag. XXXX XXXX confirmed they do not send payment tagged as business. XXXX XXXX attempted to send all 3 payments, {$3600.00}, {$470.00}, and {$470.00} again on the XXXX XXXX XXXX, 2024 and again SoFi rejected the payments.

SoFi refuses to help resolve this issue, and continues to blame the XXXX XXXX XXXX XXXX. This has caused me severe financial hardship. 
I spoke on the phone with SoFi 3 separate times, and their " back office '' emailed me saying again that they can not accept business payments, but refused to speak with me further claiming the issue was out of their hands. 
I have spoken with XXXX XXXX 4 separate times, with one agent telling me she has encountered this issue with someone else and SoFi. This other person was able to eventually resolve it by signing some document with SoFi, but I have not been offered any resolution. I was advised to switch financial institutions. 
Prior to XX/XX/XXXX I did not have any problems with my direct deposit being rejected.
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy 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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC (MO)

Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, 1 I am writing this letter to inform you that i have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. following account ( Opportunity financial ) is reporting a balance of ( {$2400.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a form 1099C as proof or evidence thereat. And that because of my fact, this debt is cancelled and at least should not reflect the balance that is currently shown of ( {$2400.00} ) on my consumer file. This is canceled debt, the company has filed it on their taxes but they also are reporting it on my credit report as debt, doesnt make sense at all. A charge off is considered ordinary income so how could it be furnishing on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so I can file the ordinary income. They havent sent me none of that at all so now they are in violation of USC 1681EB, it speaks on maximum accuracy of the consumer report. So this item has to be deleted from my credit report.
Consumer complaint received 2023-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

Unable to make payment online. 
When I try to make a payment, it shows : " Not eligible for XXXX XXXX. 
You dont have an account for use with XXXX XXXX XXXX Youll need to open a Bank of America XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX of credit. Open an account ''. 

This is the first time that I have a credit card company forcing customer to open a banking accouint with them, in order to be able to make a payment. 

I have called and have XXXX add XXXX accounts, XXXX claim it is added, but it never appear on the online account. When I call back, they also do not see the account that was allegedly added before by their own XXXX 

Instead of addressing the issue, XXXX have anger issues.
Consumer complaint received 2024-06-07
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. (MO)

tHIS IS MY FOLLOW UP COMPLAINT THAT I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 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 2024-05-10
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have had my Bluebird XXXX  for years. I rarely use it or load money on it but only use it in extreme circumstances. Well I last used in last year and I recently loaded {$170.00} and {$33.00} and {$200.00} and so when I went to pay my car payment with this card I rarely use I was shocked when it didn't work. I called and did a dispute and they only credited {$17.00} and sent a new card. Unacceptable I told the rep distinctly what I was disputing and it wasn't done correctly at this point I just want my money and to close this account completely
Consumer complaint received 2023-09-13
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. (PA)

I tried to contact company and no response and I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

FCRA 605B demands the eradication of any incorrect accounts from my credit report. These accounts inaccurately represent my credit activities. Compensation of {$1000.00} is warranted for each incorrect account listed on my credit file.
Consumer complaint received 2024-05-10
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: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-07
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Caliber Home Loans, Inc. (WA)

To whom it may concern, Our property taxes went up, we were never notified by Caliber home loans, we paid a mortgage payment {$160.00} short and they marked the whole payment late as they refused to apply the funds to our account which is predatory as they and reported it to the credit bureau 's and my and my wife 's credit went down XXXX points each- all over {$160.00}, they had over {$4000.00} unapplied on our account and chose to mark us late which is not accurate. We also have {$2500.00} in escrow. This is a gross misrepresentation and abuse of power by Caliber Home Loans We have never paid our mortgage late and we didn't pay the mortgage late, it was short and we rectified the issue, now they will not return our calls to have this fixed with the credit bureau 's as we are in the process of taking out a loan for legal fee 's in order to have my children removed from their mother who has lost my autistic daughter multiple times. 

I believe Caliber Home Loans made a false representation to the credit bureau 's, our mortgage was short an immaterial amount and they had the bulk of the mortgage payment in their account and falsely reported us late when we were not.
Consumer complaint received 2024-05-10
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-10
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: Early Warning Services, LLC (PA)

To whom it may concern. I was reviewing my consumer report and I notice these accounts negative account being reported without my permission. I would like for you to furnish me my contract I have with each of these banks, with my signature. i need info that was provided removed
Consumer complaint received 2023-03-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (TX)

I got the vehicle in XX/XX/XXXX, from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX. XXXX The rate was 20.61 %, and I believe was to high by Texas law, XXXX XXXX mislead me on finance discussions transferring the car loan to Exeter Finance, knowing that recall matters where not fixed and the car was in Hurrican Harvey according to Vin number reports. In addition Exeter Finance Company has illegally withdrew funds from my account multiples times in XX/XX/XXXX they withdrew {$400.00} and on XX/XX/XXXX {$600.00}, many of these instances has happened Exeter Finances and XXXX XXXX are not keeping monthly statements up to date or accurate due in part to the illegal withdrawal and Finance rates.