davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. 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 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I am writing to dispute and request an investigation into the inaccurate information reported by Capital One on my credit reports. The accounts in question, held with Capital One, have been paid in full, and the continued presence of these accounts on my credit reports is having a significantly negative impact on my creditworthiness. 

The payments were made in accordance with the agreed-upon terms, and the accounts were subsequently closed in good standing. 

It has come to my attention that the inaccurate reporting by Capital One has resulted in a lower credit score, affecting my ability to secure favorable interest rates and obtain credit for various financial endeavors. I believe this reporting is in violation of the Fair Credit Reporting Act ( FCRA ) as it inaccurately reflects my creditworthiness.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (DC)

i opened a checking acct at sofi mainly to receive unemployment deposits but the card was not compatible with XXXX virginia XXXX XXXX. i have the welcome emails and proof the account was open XXXX of XXXX i barely used the card i lost access to online login for some reasom which i came to learn was ss number on the acct was changed. my info was found in 3 data breaches in XXXX i informed them of this when i tried to prove to them o made a deposit i sti have the receipt it was XX/XX/XXXX th or around then but basically not one time did they ask fo tthr card i deposited to they finally have me access to an account with the email i used but there was no debit card or even a bank account it also showed the acct wad open XX/XX/XXXX when my emails prove it was months before they never asked for my ss number they kept hanging up on me as if they are a saying go f yourself. i finally said just give back my money that one reo said they see it whatever that means.. i want my {$360.00} i have all documents that verify my side XXXX XXXX XXXX XXXX last 4 of ss card number of deposited cash XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-15
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

Carrington reversed mortgage - father passed away and I inherited house. Called and told them XX/XX/year>. I said I was selling. They told me what I needed to do. In XXXX of XXXX house was sold. The day before closing I was handed foreclosure papers. BUT EVERYTHING I WAS SUPPOSE TO DO WAS DONE. Carrington claimed I didnt do it. They charged me {$3800.00} ( roughly ) to foreclose - but that NEVER HAPPENED! I want my money back! They are so XXXX! There are so many complaints against them!
Consumer complaint received 2023-12-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX writing to express my personal dissatisfaction with the management of my recent money transfer my ex husband initiated from my XXXX XXXX XXXX account to his capital one 360 account. I believe that the action the bank took in this situation was not only improper and unreasonable, but may also possibly be a breach of banking regulations. On XXXX XX/XX/2023 I had my ex husband link my XXXX XXXX XXXX account to his capital one 360 so he can transfer funds from my account for some expenses, after he linked the account he had to wait 1 to 3 business days to verify the account to capital one which I got two trial deposits in my XXXX XXXX XXXX account and provided the amounts to my ex husband so he can complete the verification process which he did and the verification was successful. On the XXXX XX/XX/2023 he requested to transfer funds from my bank which he scheduled that transfer and I got the charge in my XXXX XXXX XXXX account. Basically capital one debited my bank account with the amount transfer but wont release funds to my ex husband until they take him through another verification process all over again even though they have the funds in their possession. I find this unreasonable because I have been debited for the full amount.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the fair credit reporting act these creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 15 USC 1681 section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These consumers are all in violation of my rights. The credit card accounts are not open end plans which they should be. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX KOHLS/CAPITAL ONE XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I wanted these items Deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing, Please help me delete these illegal accounts from my credit reports. 

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 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 2024-05-18
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (FL)

I have XXXX cards with synchrony. Tj Maxx, Amazon and park west. I have not used my tj Maxx card in many months, never missed a payment on any card, never make minimum payments and pay them down regularly. I used my tj maxx card for {$110.00} that had a, I think {$1200.00} limit and then the next day they reduced my limit to {$120.00}. This made my credit utilization basically 100 %, it was {$100.00} I just paid it off. They also did this to my Amazon card. It had a {$5000.00} limit. There was a balance of I think {$2400.00} on it which I pay regularly, large payments on. I spent {$300.00} and the next day they reduced my limit to {$2800.00}. With a {$2700.00} balance, this put my card utilization at basically 100 %. How is this legal? How do they not have to give you 30 days notice so that it's not damaging to your credit. The letter they sent said I had high balances on my cards, I do on one because it's interest free and I had just paid for a vacation on another so it was high for a few days until I made a payment. By allowing them to do this without giving any notice based on high card limits for other cards it creates an incredibly damaging chain reaction. So what they did is put XXXX cards at 100 % what if that decision caused my other card companies to do the same so then everyone reduces my limit to what I owe, now all my cards are at 100 % usage with out me even having notice or an opportunity to pay anything down and it destroys my credit. This is completely unethical. They should be required to give 30 days notice. Like hey we're reducing your limit to what you owe in 30 days so you need to pay down what you can so it doesn't have a negative impact on your credit. Is there someone that can fight for this change. People work a long time to build their credit and some store card can just ruin it all in a day. None of my other card companies have lowered my limits because I always pay but that doesn't mean that this hasn't impacted my credit because this happened without giving me the notice or opportunity to address it before it could. Please help me and every other hardworking american not be a victim of this terrible business practice. What can I do? Who can I talk to about making this change? 30 days is a reasonable request.
Consumer complaint received 2023-12-26
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

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 Balance : {$16000.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$500.00} ; XXXX XXXX XXXX  Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX  Balance : {$4300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00} ; XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
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. (NJ)

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 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (NY)

XXXXXXXX XXXX XXXX opened a credit card account on my name without my consent.the credit account was opened on XX/XX/2015 account number XXXX charged off with a balance of $ XXXX.I never authorized such account, they violated my rights as a citizen, never signed any documents or agreed verbally to it.I would like please to be represented with dignity and respect thank you.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

XX/XX/XXXX I received my credit report and I checking to make sure everything was reporting accurately on my accounts. When I went to the collection section and I noticed there was two collections reporting on my report. The name of one the companies is XXXX XXXX XXXX for the amount of {$5200.00} thats been reporting open since XX/XX/XXXX. 

The next collection is with the company called XXXX XXXX XXXX for the amount of {$150.00} thats reported open from XX/XX/XXXX. 

On XX/XX/XXXX I sent both companies a Cease and Desist Letter informing both of them that they are in violation of the consumer law 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Ive stated to them I have no contract with neither company nor have they sent me any dept validation as Ive asked to even verify that I had a written and signed agreement to even pay either company of the alleged dept they have both just ignored my request. 

XX/XX/XXXX I noticed on my credit report my credit card company XXXX XXXX XXXX XXXX is reporting two late payments from XX/XX/XXXX of 30 days late and XX/XX/XXXX as 60 days late. 

XX/XX/XXXX I noticed on my credit report my loan I took out from XXXX XXXX is reporting 30 days late on XX/XX/XXXX. Ive sent both of these companies stating that they are both violating the law as well as stated in Pursuant 15 USC S16813 2 ( A ) 1 ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ME and the person YOU Put the Creditor Name here Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with vour company. CONGRESS clearly state that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

These four items on my credit report have damaged my livelihood and reputation for getting credit lines
Consumer complaint received 2023-12-26
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)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-12-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

Why has your bureau not taken immediate action to delete the fraudulent accounts as soon as an identity theft complaint was filed? HOW CAN YOU JUSTIFY CONTINUING TO REPORT ACCOUNTS THAT HAVE BEEN IDENTIFIED AS FRAUDULENT BY OTHER CREDIT BUREAUS AND ACKNOWLEDGED AS SUCH IN MY IDENTITY THEFT COMPLAINT? DO YOU COMPREHEND THE SEVERITY OF THE CONSEQUENCES I AM FACING DUE TO YOUR NEGLIGENCE IN RESOLVING THIS MATTER PROMPTLY? I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Despite the gravity of the situation, the accounts in question persist on my credit report, undermining my financial standing and causing irreparable damage. 
XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!!! 
I demand the immediate deletion of the fraudulent accounts from my credit report. Your failure to address this matter expeditiously constitutes a blatant violation of the FCRA and an infringement on my rights as a consumer. I insist on a written confirmation of the removal of these accounts within the shortest possible time frame
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a debt with Capital One. I had my credit ran to see my debt to attempt to clean it up. After seeing my debt I started cleaning it up. Suddenly I received a certified letter ( XX/XX/2023 ) from XXXX XXXX  XXXX about a garnishment lawsuit that has been filed in behalf of Capital One. I made the call this morning ( XX/XX/2023 ) to explain Ive been trying to reach Capital One within the last 2 weeks to make some payment arrangements but, no return call as of yet.
Consumer complaint received 2023-12-26
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX  XXXX Balance : - XXXX  XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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  Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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