davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I hope this letter finds you well. I am writing to address and request the immediate correction/removal of late payments on my credit report. After reviewing my credit report, I noticed inaccuracies that are adversely affecting my credit standing. 

The late payments in question are associated with the following accounts : CAPITAL ONE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or CAPITAL ONE customer service representative. 


I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit history. I have thoroughly reviewed my financial records, and I am confident that these late payments are inaccurately reported. I kindly request that you investigate and correct these errors promptly. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough and reasonable investigation into these disputed entries within the legally mandated 30-day period. Please remove or correct any inaccurate information on my credit report and provide me with written confirmation of the changes made. 

I have enclosed copies of relevant supporting documentation, including bank statements or payment records, to substantiate my claim. I trust that these documents will assist you in expediting the resolution process. 

Your prompt attention to this matter is greatly appreciated. I kindly request that you notify me in writing once the investigation is complete and the necessary corrections have been made to my credit report. 

If there are any additional steps or information required from my end, please do not hesitate to contact me. Thank you for your prompt assistance in resolving this matter.
Consumer complaint received 2024-01-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (WY)

Got hit by a truck that swerved into my lane, insurance company took most of the money for themselves and gave us option of either getting {$800.00} and they don't pay hospital debt or we basically get nothing. We chose to get the {$800.00}. The debt has been resold 3 times now and has hit our credit each time. 

If not for this collectiobs/ reselling stuff my credit would be over XXXX, right now it's dropped to XXXX. 

I can't afford to pay this and it has been over 5 years now since the accident.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-01-01
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: Bread Financial Holdings, Inc. (CA)

I was going over the hard inquiries that I have on my credit report and there is some that I do not recognize and did not authorize. I have filed a complaint through identitytheft.gov and I need these inquiries to be removed.
Consumer complaint received 2024-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (AL)

Truist bank has allowed for {$2500.00} to be stolen from my personal money market account and when I filed a dispute the rejected my dispute without even doing a real investigation and I also provided a police report but the lady was being so rude.
Consumer complaint received 2024-01-01
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: BARCLAYS BANK DELAWARE (CA)

I was going over the hard inquiries that I have on my credit report and there is some that I do not recognize and did not authorize. I have filed a complaint through identitytheft.gov and I need these inquiries to be removed.
Consumer complaint received 2024-01-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I am a customer of XXXXXXXX XXXX or XXXX Since my time with them, Ive experienced XXXX data breach. Currently, my husband and I are victims of identity theft which our credit, credit cards, etc have been compromised. We are currently, not able to call them, my escrow was compromised, ever time I phoned them, it is a came and we continue receive phony letter impersonating XXXX.
Consumer complaint received 2023-12-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (NC)

One Main Financial didn't give me a proper arbitrary case before the repossession which was agreed on in the terms and conditions once I looked back at the arbitrary agreements they didn't give me the right due course for this matter at hand.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I contacted XXXX XXXX XXXX XXXX XXXX XXXX  ) due to a report on my incorrect information on my credit report. XXXX confirmed the information was fixed and I was told a letter of deletion would be sent to the credit bureaus and the information would be corrected within 45 days. After 45 days, the information was still on my report. I disputed it, and it came back as identified as correct.
Consumer complaint received 2023-12-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WA)

This is in regard to Venmo, XXXX # XXXX. 

On XX/XX/ I received XXXX, a cryptocurrency, from a friend who owed me money for a shared bill. Upon using Venmo to sell this cryptocurrency, so I could cash it to my bank account to pay said bill, Venmo limited my account. With this limitation, I can not gain access to this money, causing me additional late fees for the bill. I submitted a ticket with Venmo on the same day, and received the confirmation for Ticket # XXXX at XXXXXXXX XXXX stating that they will get back to me in approximately 7 business days because they need to " escalate it ''. I've reached out a few additional times throughout the week for an update, but can not get ahold of anyone, nor can I get ahold of anyone on a phone call. 

As stated before, Venmo is causing me additional late fees because they are withholding my money from me. Since I can not seem to get support through them, I have decided to file a complaint with the CFPB.
Consumer complaint received 2023-12-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (NY)

I called this Santander consumer about my account being that the car I got- I returned do to losing my job and I returned it before any payments had started- but I see on my credit report I missed a payment for that same car and that car has since been returned and I'm it's plates surrender to the DMV - also it's title -l My credit score has gone down XXXX points do this error - 1 - I don't have the car anymore 2. Any contract is null in void once their merchandise is returned - 3 - the tow company also sent them notice to come get their vehicle from the tow yard - they are running a scam not reporting that that have the vehicle back and only reporting I missed payments when I don't have any payments- with the car return and I called three times to closed that account but yet it keeps staying active on their part as some scam
Consumer complaint received 2023-12-31
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (KY)

Security measures on this American Express gift card render it unusable online and in person. I have tried multiple stores and each attempted use creates a XXXX  cent pending transaction that does not roll off until after 7 days, which decreases the balance of the card. I've called customer service they assure me that they are protecting my money, and that I should try another retailer online. I have and the same thing happens. I can not use this gift card and would like this amount rendered in a form that I can use.
Consumer complaint received 2024-04-12
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. (TX)

I am writing to formally dispute the accuracy of information regarding a debt collection reported on my credit report. My records and subsequent verification attempts indicate that this debt is no longer with the collection agency listed on my report, and as such, should not be reflected in my credit history. Not only that, the debt that is alleged is not at all owed by me as I legally breached a residential lease agreement, under Texas Property Code Sections 92.056 and 92.0561. I also left notice with the landlord, original creditor, XXXX XXXX XXXX. ( See attachments ). Please find the following details relevant to this dispute : Collection Company Reporting on My Credit Report : XXXX XXXX XXXX ( XXXX  ) Original Creditor : XXXX XXXX XXXX Since the day this inaccurate collection account hit my credit report, XXXX, I have reached out to Transunion and the collection company, XXXX  regarding the fact that the debt is not owed by me nor is it the least bit accurate. I received mail correspondence from Transunion on XXXX stating that they are not required to reinvestigate this debt yet they never investigated it to begin with. I mailed all of my correspondence proving this debt is not owed by me and yet this invalidated and inaccurate account is still on my credit report. I've also provided all documentation directly to XXXX XXXX XXXX via mail on XXXX separate occasions and no further action has been taken. I've been getting the complete run around. On XXXX the 30 day time period had passed from the date I mailed my correspondence to them. And, I still didn't have any notification from them about ceasing all collection efforts and removing the inaccurate collection account from my credit reports as a result of the evidence I'd mailed them. During my call, I was simply told that they can no longer discuss the alleged debt with me because they were no longer collecting it and it had been referred out to another firm. Therefore, its continued presence on my credit report is not only inaccurate but defamation of character and erroneous in nature. Transunion has done me a complete disservice in not properly investigating this debt on my behalf. In accordance with the Fair Credit Reporting Act, I am requesting that this item be removed from my credit report immediately as soon as possible since XXXX XXXX XXXX is not the company attempting to collect the debt. Please find attached copies of any documents that support my position. I request a written confirmation of the receipt of this letter within five business days, along with removal of the account from my consumer credit reports. Please inform me of the outcome of your investigation at your earliest convenience. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TN)

I contacted PayPal on XX/XX/ around XXXX to let them know that my account had been compromised and used while I on there for {$1500.00} I also told them to close my account to prevent further usage of it. They did not do that. They told me they would resolve the issue in 10 days. Its been past 10 days and still nothing. I called and spoke with a lady named XXXX and she told that the case has been resolved and that money would be refunded back to my PayPal balance the next day. However it was not and I called back and could not get an answer from anyone. I spoke with XXXX ( a representative ) and he told me I should have had my money as well if it past the 10 day investigation period.
Consumer complaint received 2023-12-31
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NM)

I was given an AMEX egift card for {$200.00} as a XXXX bonus from my employer. I have not been able to use this card anywhere except one website. It does not work at XXXX, XXXX XXXX, and several smaller retailer. There is still {$99.00} on it.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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. 

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  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 2024-01-04
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello I am in CA and my XXXX BOFA card was hacked severaltimes over the time frame of the pandemic. Unable to recover those funds fraudulently taken from my account. 
I have read the press release and have XXXX the actions taken by your agency against BOFA. Part of the order instructs BOFA to reimburse those people with any funds stolen. However, I can not locate ANY information on how one participates in this process of reimbursement?? XXXX XXXX XXXX XXXX XXXX and am dumbfounded. as I can not locate any locate. 
Please Advise XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Resurgent Capital Services L.P. (IL)

They are trying to collect a debt that is so far beyond the statute of limitations its laughable. Please advise You have an account with LVNV Funding LLC. The original creditor was XXXX ( South Dakota ), XXXX. with an account number ending in XXXX. The address on file for you is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX. 
As of XX/XX/2006 you owed {$1500.00} Between XX/XX/2006 and today You were charged this amount of interest + {$340.00} You were charged this amount in fees + {$0.00} You paid or were credited this amount toward the debt - {$0.00} Total amount of the debt now {$1800.00}
Consumer complaint received 2024-01-04
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: Mcburberod Financial, Inc. d/b/a SeedFi (NC)

I asked the company multiple notices requesting a full account accounting per 12 CFR 1026.13. Provide details promptly or remove the account and its still reporting.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (GA)

The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
Consumer complaint received 2024-04-15
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: EQUIFAX, INC. (NY)

I disagree with the account listed below which still appears on my credit report, even after your investigation.I would like this item immediately re-investigated.The inaccuracies are highly injurious to my credit score ACCOUNT NAME XXXX, XXXX. : ACCOUNT NUMBER XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-12-31
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: WELLS FARGO & COMPANY (OR)

On XX/XX/XXXX, I received a notification from a credit monitoring service that one of my credit card limits had been decreased, after looking further I saw that it was Wells Fargo Bank who decreased my credit limit from {$11000.00} to {$8900.00}, leaving me with {$100.00} in available credit. I received absolutely zero written or phone communication warning me of this change. I had available credit and have never once missed a payment or even paid a day late. After speaking with multiple representatives, I was told the letter informing me of this change was sent on XX/XX/XXXX. The letter was sent one day before the change became official on XX/XX/XXXX when my statement closed. This all but ensured I would not have any prior warning and no recourse. They have not been able to furnish any reason why and in fact my credit score was up XXXX points before they made this change, now damaging my credit score I have been working to repair. It was arbitrary at best and cruel and dangerous at worst. To get my credit limit reinstated I am being asked to reapply for a credit limit increase and subject to a hard credit check.
Consumer complaint received 2024-01-04
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: General Motors Financial Company, Inc. (FL)

This is my XXXX  complaint with Consumer Financial Protection Bureau to report my recent experience of Financial Abuse with " GM FINANCIAL '', Compliance Department. First and forest, I am a victim of financial abuse, which has reflected on my credit report within the last couple of months. I am filling this complaint to report GM Financial for fraudulently processing my credit report over 8 attempts within the 40 days. GM Financial has processed my credit report up to eight times within the last XXXX months and running my credit XXXX  on the same day and on different occasions, which resulted in this issue. This company has abused my credit report and continues to process my information without my authorization and consent. As a victim of financial abuse, I had no choice to place a freeze/ fraud alert on my credit report with all credit bureaus. My accounts with XXXX and XXXX Credit Bureaus are currently being investigated due to this unauthorized activity in such a short amount of time. I have attempted to resolve this matter in good faith via email with XXXX XXXX, from the Compliance Department from GM. However, XXXX has been unresponsive to my emails in reference to requesting documentation of the credit report runs. I have not received any updated documentation or information on this matter from GM Financial. I have spent weeks and days attempting to resolve this matter and there seems to be no response from XXXX or this department. I am seeking a resolution to recovery my credit report. I have listed below the dates that this company has abused and processed my information without my consent. GM FINANCIAL : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023
Consumer complaint received 2023-12-30
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I have tried using my {$100.00} American Express gift card online with little success over the past week. I made two initial purchases ( XXXX and a company called XXXX ) with success. Every attempt since then, including adding the funds to an XXXX gift card has been declined. Each time I've attempted to use the card I've also been charged a small fee. I created an AmEx gift card account in hopes of verifying the card and it still is being declined on all purchases that are less than the remaining balance.