davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CO)

Received 3 emails from Synchrony Bank <XXXX> 1st one stated a trial deposit has been successfully made to your ... 
2nd one stated a trial deposit has been successfully made to your Amazon Creditbuilder Note : This email was sent to you by Synchrony Bank, the issuer of your AMAZON CREDITBUILDER   Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your AMAZON CREDITBUILDER Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, USA. 
This is an unmonitored email box. Please do not reply to this email. 
Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/. 

3rd one stated that action was required on my application. 

I see on social media that this happened to a lot of people and it was sent by Synchrony in error. However, this is not an acceptable error as I didn't open any application. Both companies should be investigated for fraudulent activity.
Consumer complaint received 2020-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received a Pre-approved Letter for a Credit Card from Capital One, where I have over {$90000.00} in their Capital One 360 Savings Account. The Credit Card Offer was a No Interest Offer. 

I went online, filled the application up to the point of " Submit '', hit " Submit '', but the link sent me to a unmarked box that wasn't checked. I hit the box, it scrolled out the Terms of the Credit Card, then in two seconds it disappeared. I had a blank screen momentarily, then I got a " Denial '' screen, telling me I wasn't approved for the card. 

I never hit " Submit '' after being sent to that unmarked box. I was reading the Terms when it all disappeared. I never agreed to the Terms and I never properly submitted the application. 

Within SECONDS, I had THREE e-mails from Credit Reporting Agencies telling me I just had a " Hard Inquiry '' on my Credit Report. 

Upon calling Capital One at around XXXX XXXX, I was told to call back at XXXX XXXX  at a different number and they would fix the problem for me. 

Upon calling that number at XXXX XXXX  ( when I had some time to do so ), I was told that they couldn't do anything about it and Capital One attempted to do nothing about it, even though I was told right after their link malfunctioned at XXXX XXXX  that I would be taken care of at this other number. 

I'm currently filing Complaints and seeking Legal Counsel regarding these " Bait and Switch '' practices and the malfunctioning application link of Capital One. 

I have suffered damages to my Credit Reports. I have suffered the loss of time, energy, and money fixing Capital One 's mistakes. 

I plan on recovering all Compensatory Damages caused by Capital One. 

I Do So Declare, XXXX XXXX
Consumer complaint received 2024-03-20
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. (CA)

Dear XXXX XXXX, To whom it may concern at XXXX, To whom it may concern, at Equifax, I disagree with the account listed below which still appears on my credit report even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly damaging to my credit score XXXX XXXX XXXX Account number : XXXX in accordance with The Fair Credit Reporting Act the Public law XXXX, Title XXXX, Section XXXX, 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 and updated copy of my credit report after your reinvestigation. 

I would also like your company to provide the copy of the check from an account that I've never had. In addition I would like to see a copy of the driver license which you state that was verified. 

I look forward to your prompt attention to remedy my request. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2024-03-20
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)

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the XXXX, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a XXXXXXXX XXXX XXXX status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-01
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. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-01
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 am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ZINC Financial, Inc., (CA)

I recently took out a hard money loan form Zinc Financial , Inc to purchase a fixer upper. My loan includes a mortgage loan and a construction loan. The amount of the mortgage is in the amount of {$340000.00}, and the construction loan is {$130000.00}. I am currently paying interest on the full amount of the construction loan despite the fact that I have not drawn from it. From my understanding, it is not a standard practice to pay interest on a construction loan that hasnt been drawn from or used. 

I signed the contract for the mortgage loan and the construction loan in XX/XX/2022. I have contacted Zinc Financial , Inc to discuss their practice of charging interest on a construction loan that I havent drawn from on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I talked to both XXXX XXXX and XXXX XXXX about this matter, and they both stated that this is a standard practice of Zinc Financial. When I requested to see a document that advertises this practice of theirs to share with a lawyer, they would NOT share it with me. As I mentioned, I have written emails and left voicemails requesting a written document that advertises this practice of Zinc Financial on charging interest on a construction loan that has not been drawn from, and I have received no response or acknowledgement of my request.
Consumer complaint received 2022-06-01
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 called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was an accounts : XXXX XXXX Balance : {$0.00} on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX ; XXXX ; XXXX and hoping that this XXXX  XXXX Balance : {$0.00} late open account will be updated.
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/22 Transunion and XXXX Violated my rights. see codes listed below. I have highlighted on each attachment the inaccuracies 15 USC 1681 e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 1681i Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

My car contract is with XXXX XXXX XX/XX/XXXX. I have paid my car payments every month. 
XXXX XXXX  continuously since XX/XX/XXXX fails miserably and refuses to post my monthly car payments on all credit bureaus and correct balance. 
XXXX XXXX continuously posts false information about my account to all XXXX credit bureaus to lower my score. 
XXXX XXXX continuously posts false information and changes name to XXXX XXXX XXXX, old name in XXXX on Equifax. 
XXXX XXXXXXXX is overcharging me monthly interest and I want a recalculation. 
XXXX XXXXXXXX is not increasing my credit score but DESTROYING my credit score with FRAUDULENT business practices. 
XXXX  XXXX has violated FCRA, 5 USCode 706, and ARS 44-1521 et seq., AZ Consumer Fraud Act.
Consumer complaint received 2022-06-01
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account starting with # XXXX..., has violated my rights. 

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 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account starting with # XXXX..., has violated my rights. 

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 2022-01-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (IN)

I RECENTLY HAD A DISPUTE WITH A MERCHANT WHICH RESULTED IN MY NAVY FEDERAL CHECKING ACCOUNT BEING CLOSED DOWN AFTER FURTHER REVIEW NAVY FEDERAL ASSISTED ME WITH RESOLVING THE DISPUTE AND SETTLED IN MY FAVOR FOR THE AMOUNT OF {$1800.00} ITS BEEN A ONGOING ISSUE AND DELAY ( WEEKS ) WITH NAVY FEDERAL RETURNING THE FUNDS TO MY ACTIVE SAVINGS ACCOUNT THAT I HAVE WITH THEM IVE CONTACTED AND SPOKE WITH 9 DIFFERENT SUPERVISORS EXPLAINING THAT THIS IS CAUSING A BIG FINANCIAL HARDSHIP ON MY FAMILY BY FUNDS STILL NOT SHOWING IN MY ACCOUNT ACCOUNT NAVY FEDERAL CHARGED OFF MY CHECKING ACCOUNT FOR A OUTRAGEOUS AMOUNT THAT I FEEL I WASNT RESPONSIBLE FOR ALSO IT WAS STATED A ACCOUNT CANT BE CHARGED OFF UNTIL AFTER 180 DAYS OF THE UNPAID DEBT BALANCE THEY HAVE TAKEN 3 MONTHS OF CHILD TAX CREDIT PAYMENTS ALONG WITH ADDITIONAL FUNDS I HAD REMAINING FROM ANOTHER ACCOUNT I HAVE WITH THEM PROVIDED NO LEGAL RIGHT TO DO SO OR EXPLANATION ON WHY THE FUNDS WERE CONSTANTLY BEING TAKEN FROM MY ACCOUNT IVE BEEN GIVEN NO EXPLANATION OR ASSISTANCE ON WHEN I WOULD RECEIVE ANY OF THE FUNDS IM ENTITLED TOO
Consumer complaint received 2022-01-28
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. (NY)

I submitted via certified mail a police report, identity theft affidavit, proof of ID and proof of address to all 3 bureaus informing them of fraudulent inaccurate information reporting on my consumer report, they did not refrain from reporting or block the information within 4 days of receiving notice. It has no been over 60 days. I would like all negative fraudulent accounts reporting removed from my report indefinitely.
Consumer complaint received 2022-06-01
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 discovered that some of the information on my credit report was incorrect when I reviewed it. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$55.00}, and XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite numerous disputes to the Equifax, XXXX and XXXX consumer reporting agencies, these companies continue to report a fraudulent XXXX XXXX account under account number XXXX. Not only have I forwarded copies of my driver license and FTC Affidavit, I have forwarded a verified police report. Each of these companies have refused to investigate and block reporting of said account.
Consumer complaint received 2022-06-01
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting DP OF EDUC account # XXXX, has violated my rights. 
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 2022-06-01
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. (CA)

I sent a letter to the Credit Bureaus on XX/XX/202 to remove ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXX  XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$17000.00} ) that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including these fraudulent information again.
Consumer complaint received 2022-06-01
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. (CA)

I have proof that payments were never late by email confirmation of payment processing. I have tried to resolve this issue two times and have had no result of a proper investigation. This is ridiculous and I have proof that payments were made on time. Why do they not see the proof I am providing.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-01
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. (PA)

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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-06-24
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. (CA)

According to my research about FCRA 605, XXXX AND TRANSUNION Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX