davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have made a separate complaint about this but this specific one is for capital one while the other was for XXXX XXXX. As I mentioned on my other case, I was a recent victim of a fake job employment scam. They used my credit card to make purchases for them THEN they made payments that later bounced back on my credit card and now my credit card were over drawn XXXX aside from what I personally already owed. The total amount the fake employment scammed me for was $ XXXX between both my capital one and XXXXXXXX XXXX credit card. I am not in a position to pay those over drawn balances. I have the conversations between myself and the hiring XXXX where they give payment information to use for credit cards that would show as credited the first day but then Bounced back 4 days later. Which is when I was realizing that this is a scam, they continued to make these alleged payments to the credit card but once I started to feel uncomfortable and I made that known to them they started to XXXX my messages and then discontinued all contact with me. I have screen shots of the accounts they provided to make these said payments to the credit cards, also the inappropriate comment he made to me that made me realize more this was not a legit job offer. The merchants arent able to help me because they said the credit card companies can help but they couldnt help me either. XXXX stuck in a predicament and now I need help.
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (TX)

CarMax has been reporting the account below as a charge off for more than 4 years but never received the 1099-C. Demand that 1099-C be forwarded. Attached is payment history being report to reporting agency. Failure to comply is violation rights under FCRA. 

Account Number XXXX XXXX
Consumer complaint received 2024-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (GA)

In XXXX of XXXX, I reached out to the company, requesting that proof of ownership be provided for this account. The company only sent in return a one page statement of purchases with nothing else to prove ownership. I then asked the company to cease all debt communication until proof of ownership was provided. The company continues to call and email about this debt. I also provided the company with a notification showing that I had been a victim of identity theft, but they failed to respond to that as well.
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

from my Zelle number XXXX miss typed An incorrect electronic transfer from my XXXX  XXXX XXXX application via Zelle transfer to Zelle account for XXXX $ to XXXX which was not the receiver correct mail id which was on XX/XX/2024 Zelle account was a email id : XXXX ( XXXX XXXX ) confirmation number : XXXX Scammer identity provider details XXXX mobile number : 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 2023-05-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days
Consumer complaint received 2023-04-29
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: Experian Information Solutions Inc. (NC)

Over ninety ( 90 ) days ago, I disputed the following account on my Experian credit report : XXXX XXXX XXXX XXXX account number XXXX. As shown by the attatched screenshot from Experian '' XXXX credit monitoring, as of today XX/XX/2023 this account dispute has violated FCRA by far exceeding the allotted time by law to complete its dispute process. Remove the stated account from my credit report immediately or face civil liabilities and penalties.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (CA)

Hello. I have had an ongoing dispute with truist bank. Multiple times they have overdrafted my account. The last time this happened was XX/XX/XXXX and most recent is today XXXX XXXX XXXX. This has happened 4-5 times where truist incorrectly displays my pending charges and remaining balance and I end up going XXXX XXXX over my balance but I have and have always had overdraft protection and coverage off. I have stated this numerous times to customer support asking them to turn off this feature because I do not want to be overdrafted. Despite this they refused to refund the fee and since then have continued to charge me overdraft fees. I am at an impass as I dont have any money to pay it back so they are going to charge me an additional XXXX XXXX
Consumer complaint received 2023-04-29
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: Experian Information Solutions Inc. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-20
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. (GA)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have two capital one credit cards. My credit limits were XXXX and XXXX respectively. I was carrying larger balances month to month than I was comfortable because they made my apr 30 %. I took a personal loan against my own XXXX and used to pay off thousands of dollars on these two cards. 20 days later, they lowered my credit card limits by XXXX and XXXX dollars. I was not aware until I made small purchase at XXXX and was alerted I went over my limit. Not knowing they had reduced my limit without telling me in app or phone, I was shocked. I then saw they had reduced my card limits, I then also checked my credit scores, and by Capital One unilaterally lowering my total credit by XXXX my credit score was significantly negatively impacted. 20 days earlier, I had paid {$2500.00} and {$3000.00} dollars on my credit card to reduced my debt and lower the huge monthly interest charges. Capital one was perfectly happy raking me over coals collecting hundreds of dollars a month in interest, they never lowered my limit here, but as soon as I paid off most of my debt they punished me by lowering both of credit card limits. This in turn lowered my total credit and hugely negatively impacted my score, which makes it harder to get a job, a house or a car. THEY PUNISHED ME FOR PAYING OFF MY DEBT! Their in app customer service ai chat is not helpful, when I finally XXXX and got a customer service line they refused to say why this was done. This is predatory lending!
Consumer complaint received 2024-05-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (WA)

On XX/XX/XXXX, Synchrony Bank restricted me from using both of my banking accounts without providing a legit reason and responding to my inquiry. I spoke to two call center representatives and request the restriction to be taken off. They submitted my request and asked me to wait XXXX days but I still cant use my accounts and no one has ever responded to my inquiry. I also messaged the company via their secure message center but only got automatic replies.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I am writing to dispute 2 collection accounts that has been reported on my credit report. The collection accounts in question are [ XXXX, and XXXX ], which is being reported by [ XXXX XXXX XXXX, and XXXX XXXX XXXX ]. 

I am requesting that these collection accounts be removed from my credit report immediately. I have never had any dealings with these collection agencies, and I have never been notified about any outstanding debts. Therefore, I believe that the collection accounts has been reported in error and is negatively affecting my credit score. 

I have taken all necessary steps to dispute these accounts with the collection agency, but they have been unresponsive to my requests. I have also requested that they provide me with any documentation related to the alleged debt, but they have failed to provide me with any information. 

I request that you investigate this matter and ensure that the collection agency is complying with all relevant laws and regulations. Additionally, I request that the negative information associated with this account be removed from all three credit bureaus immediately. This account is inaccurate and is causing undue harm to my credit score and my ability to obtain credit and other financial services. 

Thank you for your time and attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rent Recovery Solutions (NJ)

I am actively challenging the validity of this alleged eviction you have listed on my consumer report. In the recent months, I have challenged this same account with the credit reporting agencies and they came back stating that they have verified this alleged account with ( XXXX XXXX XXXX ** ). 
To my complete and unbiased knowledge ( XXXX XXXX * ) has a responsibility to ensure accuracy and completeness on ANYTHING you are reporting on me pursuant 15 U.S.C . 1681. Having the understanding and position, I am requesting that you forward me any supporting or justifying documents you have on my file allowing you to report this alleged eviction. 
I am expecting a response from you within 14 days from the date you receive this letter. If said documents can not be produced, please delete this eviction from my report immediately.
Consumer complaint received 2023-07-10
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. (PA)

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 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 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

so i have been trying to get my personal information corrected since 2021 i have sent dispute after dispute and the reporting agency refuses to update my information to the correct information they are violating my rights under 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). the credit agencies are not reporting my infomation at 100 % accurate and every attempt of contacting them has been met with silence
Consumer complaint received 2023-05-06
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. (CA)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THIS ACCOUNT. BLOCK AND REMOVE IT. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc. (MN)

I took out an online loan due to financial crisis. I was advised by a financial counselor to investigate whether this loan is legal/valid, as online loans are illegal in MN and lenders need an XXXX # to do business in MN. They do show an NMLS # on their website, but question whether it's valid # XXXX. Upstart is financed through XXXX XXXX XXXX XXXX, which I have another online loan with ( XXXX XXXX  who has no XXXX  # ) both headquartered in XXXX XXXX XXXX, Utah. Guessing 1 or both loans are illegal/invalid??
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (WY)

Account was completely blocked for a " sanctions review ''. All outgoing transfers on hold, no incoming deposits arriving. Customer support just says " be patient while we review your case, this can take XXXX business days ''. 

Account was blocked out of nowhere with no prior communications. We're a XXXX business doing business in the XXXX - weird that suddenly we are on a " sanctions review '' because of XXXX...
Consumer complaint received 2023-05-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CreditNinja Lending, LLC (MN)

I took out a high interest loan due to financial crisis. After working with a XXXX XXXX, he advised me to investigate whether this loan is in fact legal? Due to the fact that the interest rate was a 199 % and the online " lender '' is out of state. 
Online loans are illegal in MN and lenders need an NMLS # to do business in MN. To my knowledge, they don't have an NMLS #. Questioning whether they need an NMLS or if they're " covered '' under the FDIC Bank they're partnering with? 
I have since transferred this loan to another lender at 0 % interest. Do I have any recourse at thi point???
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have been fighting with this since 2016 XXXX XXXX financial. Changed me for classes I never attended t, they said they never received my letter I wasnt attending. I made a settlement with them and paid collections agency and the said account is closed now but the credit agency company is still reporting and having a negative impact on my credit report
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent letters to XXXX, XXXX, Transunion to dispute inaccurate items such as my name, addresses, phone numbers, closed accounts, social security numbers, open accounts on my consumer report asking that they be investigated and removed all derogatory accounts XXXX, XXXX, Transunion has violated my rights according to the law 15 U.S. CODE1681 section 604 A section 2 ) the law states that the reports from XXXX, XXXX, Transunion has to be 100 % accurate. Also they have violated my rights according to 15 U.S. CODE1681 section 611 ( 5 ) ( a ) ( i ) ( ii ). The law states that if items are found to be inaccurate are can not be verified the consumer reporting agencies shall promptly DELETE the information from my consumer file.
Consumer complaint received 2023-10-09
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. (NV)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

I have requested incorrect information to be verified and proof of the verification process 3 times. I have asked for information to be corrected 3 times by certified mail. The information is still incorrect and still comes back verified. This is my final attempt to correct such inaccuracies before I take legal action.
Consumer complaint received 2023-05-06
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. (IL)

I have been fighting with this since 2016 XXXX XXXX financial. Changed me for classes I never attended t, they said they never received my letter I wasnt attending. I made a settlement with them and paid collections agency and the said account is closed now but the credit agency company is still reporting and having a negative impact on my credit report