davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

While I was unemployed several times over the past year, I fell behind on my credit card payments. When I fell 90 days behind, Capital One kept the account open, and still accepted payments on it. 

I got the account caught up in XX/XX/XXXX with a {$340.00} payment. The account restricted. I called Capital One to inquire about the terms of the restriction. I was informed that because the account had gotten 90 days behind, I would need to pay it off entirely. Then I could apply for another account. So essentially the account is closed. 

However, Capital One never closed it. In the status that it is in, ( open but restricted ) I am unable to use it. My credit report will reflect an open card account with no available balance. 

They can continue to accrue interest, and I may incur potential late fees ; which has a negative impact on me. I guess my only sensible option is for me to request to close the account. 

Otherwise, if they are leaving it open and unusable ; they should cease charging interest, and just allow me to pay off the balance.
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX  XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I learned that I have been the victim of credit fraud this morning, XX/XX/2017. I have contacted my financial institution and the local police department. I then contacted the credit bureaus to report the fraud and get a security freeze. XXXX and XXXX went will. 

But I have been trying to find a way to get the security alert on Trans Union. The information I found leads me to their website at https : //freeze.transunion.com. As I go through the steps, I see there is no charge for security freeze to victim, but this website is trying to charge a {$10.00}. There is not options or links to get the freeze service for fraud.
Consumer complaint received 2022-12-04
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act XXXX  Account # XXXX, As 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 purpose.
Consumer complaint received 2023-12-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (CA)

My paycheck was stolen from mail who ever received it somehow was able to steal my identity also simply to open up a bank account online with US BANK so that they could be able to cash my check withdrawal funds few week after by chance I went to USBANK trying to open a direct deposit account that when I was informed the an account already existed I file a claim with US BANK they send some forms to fill out I did that weeks later received a letter from US BANK fraud liason center telling me that my claim has approved and that's the last Heard from them everything I called the they'll give a different answer like they where still investigating to should get my refund in a few month finally they said that they couldn't prove my identity. So why did they send me a letter telling me that my claim has been approved
Consumer complaint received 2017-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (CA)

I completed a 5 year opt-out form on XXXX XXXX, XXXX and then completed a permanent opt-out form at the beginning of XXXX. In XXXX XXXX I was told by a national bank that Equifax was selling my information even though I completed two ( 2 ) opt-out forms and was supposed to be on the opt-out lists. After I heard they were still selling my information, I filled out another opt-out form in XXXX XXXX and sent a copy to Equifax with a certified letter on XXXX XXXX, XXXX. I filled out three ( 3 ) opt-out forms from XXXX and they are still selling my information. In the certified letter I sent them I informed them again that they should not be giving out and/or selling my information to anyone since I am on the opt-out lists. In addition to sending the opt-out form to Equifax, I also made it very clear in my certified letter that I wanted my name, address, and social security on their permanent opt-out list. As of XXXX XXXX, XXXX they still do not have my credit file marked as " Opt-Out '' and they are still selling my information which violates my rights under the FCRA. They are also changing dates on my accounts on my credit report. For example, an account was closed in XXXX and it was originally last reported as closed in XXXX, but Equifax changed the date to XXXX. That is 6 years after the account was closed. Another account was closed in XXXX and last reported closed in XXXX, but Equifax changed the date to XXXX. That is 7 years after the account was closed. The dates have been changed on almost half of my accounts in my credit report. Why? I believe they are changing dates because they want to keep these accounts on my credit file. If they keep changing the dates then it stays on my credit even though these accounts have been paid off and closed for years. This also violates my rights under the FCRA. I disputed these date changes and they never answered my question. They also did not fix these dates or take it off my credit report. I also disputed duplicate accounts that have the same account numbers, same closed dates, etc. and they did not delete the duplicate account. I want Equifax to mark my credit file as " Opt-Out ''. I do not want them giving out and/or selling my information to anyone. I want Equifax to either fix the dates or take the accounts off my credit report. I also want them to delete the duplicate account.
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CO)

I have filed several complaints with the CFPB regarding who owns my Mortgage and therefore who has the right to foreclose. Please see Case number : XXXX, Case number : XXXX, Case number : XXXX regarding my previous complaints on this matter. On XXXX/XXXX/2015 I received another letter from Nationstar Mortgage. The letter states that Nationstar may be moving forward with foreclosing on my property. The letter also states " The Foreclosure will be conducted in the name of : XXXX XXXX, XXXX XXXX, AS SUCCESSOR TRUSTEE TO XXXX, XXXX, AS TRUSTEE TO XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX ( " Noteholder '' ). This seems like another contradiction to the information previously submitted to me by Nationstar.
Consumer complaint received 2022-12-20
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. (GA)

This complaint comes forward as I XXXX XXXX have reached out to Experian numerous times, in this particular case Experian Fraud Dept as they have reviewed my complaint and my dispute towards fraudulent Reporting activities on my credit profile have stated that they were going to update my credit profile however, they have not I have given them a federal affidavit as well as a truth in fact statement towards accounts and inquiries that have been fraudulently placed on my credit profile after a data breach yet to no avail.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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
Consumer complaint received 2023-12-17
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. (WI)

I recently disputed two different charge-off accounts that is listed inaccurately on my Transunion report XXXX Both accounts was claimed to have been verified as accurate. But these accounts still are being reported on my consumer file with numerous inaccuracies. One of the accounts name is XXXX with an account number attached to it as XXXX  XXXX. The last payment made on this account supposely was reported on XX/XX/XXXX but in fact if you look at the payment history on that same date. It shows the account was XXXX XXXX late. This information is listed incorrectly and must be deleted. Then there is another charge-off account listed on my credit file by the name of XXXX XXXX  with an account number attached to it as XXXX XXXXXXXX. This account is reporting inaccurately because the date the account was closed shows XX/XX/XXXX but if you look at the payment history being reported. It shows that the account was paid on time and still open. So how can Transunion have done a proper investigation if these accounts arestill being reported with inaccuracies? This company Transunion is being non-compliant and neglecting their duties under the FCRA and must be held accountable for their actions.
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (MI)

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 corrected : XXXX XXXX XXXX Balance : {$700.00} XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate erroneous accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-04
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-12-17
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: STL HOLDING COMPANY, LLC (MS)

I am writing in response to the adverse action taken by DSLD MORTGAGE regarding my recent credit application. I believe this decision may be in violation of certain provisions outlined in the United States Code, specifically 12 U.S.C. 1431, 15 U.S.C. 1611, and 15 U.S.C. 1602.

As per 12 U.S.C. 1431, the powers and duties of banks in credit transactions involving natural persons for personal, family, or household purposes must adhere to certain standards. It is crucial to emphasize that the term " consumer '' in credit transactions characterizes such transactions when the party involved is a natural person, and the transaction 's subject is primarily for personal, family, or household purposes.

Additionally, the terms " open end credit plan '' and " open end consumer credit plan '' as defined in 15 U.S.C. 1602 encompass plans where the creditor reasonably anticipates repeated transactions, prescribes the terms of such transactions, and includes provisions for a finance charge computed periodically on the outstanding unpaid balance. It is essential to note that even if credit information is verified intermittently, the transaction remains an open end credit plan or open end consumer credit plan. 
The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
Consumer complaint received 2023-12-17
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 (WI)

On XX/XX/XXXX Venmo completely froze my account leaving me stranded with no access to my money or debt card for a week. Then they refused to tell me why they froze my account and held my funds. Now on XX/XX/XXXX they have restricted my Venmo account from having fund added to it but again will not give any kind of reasons. How am I supposed to trust my direct deposites to a company they just locks you account and abilities at a drop of a hat and give no way of correcting.
Consumer complaint received 2023-12-17
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (FL)

tried to close bluebird account. says XXXX for service. no one was able to assist after calling multiple times. was unable to close account or speak to anyone able to help. requested supervisor over 10 times and was ignored over and over.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Earnest Inc. (CO)

The Fair Credit Reporting Act 15 USC 1681 section 602 states that 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. 

I am the consumer and XXXX, XXXX, and XXXX are the consumer reporting agencies. It is my right to make sure that my information is private and isnt shared. This is backed by the 15 USC 6801 which states It is the policy of 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 public personal information. 

Earnest is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states In general Subject to subjection ( 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. Earnest the financial institution and the consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they do not have my written consent. 

Any and all consent to XXXX, XXXX, XXXX and the financial institution Earnest is revoked whether it be verbal, nonverbal, written, or implied. 15 USC 6802 ( b ) ( c ) states that 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. Earnest has never informed me of my right to exercise my nondisclosure option.

Reporting transaction history is illegal. According to USC 15 1681a the consumer report does not include " A report containing information solely as to transactions or experiences between the consumer and the person making the report ; ''
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent out a certified letter requesting for XXXX, Transunion to verify and update information or to delete, I requested verification of the accounts in question including Name and address of creditor, date accounts were actually opened, actual dates accounts were closed, actual date of last payment, the balance owed when account was closed and last balance, any and all original documents and agreements signed by me related the XXXX XXXX accounts in question. 

If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the cosumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer
Consumer complaint received 2020-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TN)

I sent a certified letter to Convergent Outsourcing asking for a ACCOUNT VALIDATION on an account they placed on my credit report on XX/XX/2020. Failure to reply within the 30 days the law allows. I sent a Failure to respond/demanding deletion of the account on XX/XX/2020. They refuse to remove the negative account from my credit report.