davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I am seriously done. This is my last attempt. FNBO keeps charging my checking account more than once for my payments, I have to ask XXXX to reverse/Stop payment on the multiple withdrawals FNBO makes on my checking account. 

I've brought this issue up before and no one cares. FNBO instead refused to allow me to update my checking account on the website and had to call it in. Still then, I was charged more than once for my payments. 

When the reversals came in from XXXX, FNBO responded by lowering my credit line and refuses to honor the original credit line due to banking error. 

These payments have been sent and I have statements from XXXX, payment of confirmations from XXXX and even CFPB complaints from the XXXX XXXX team who have confirmed receipt of funds to FNBO. 

I am please, please asking for help to fix this issue once and for all. 

FNBO needs to fix the glitch that is charging my ACH extra and restore my original credit line.
Consumer complaint received 2022-07-08
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

This account was added to my credit report in 2019. I Went to the police got a police report, Ive contacted XXXX to get the situation resolved, Ive sent the police report to XXXX, XXXX XXXX XXXX. It was taken off each credit bureau except for XXXX. For over a year Ive sent in multiple police reports, FTC reports, dispute letters and affidavits they are refusing to remove this unauthorized account from my credit report. The account is showing closed but has a passed due balance.
Consumer complaint received 2021-06-02
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)

This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : ( XXXX XXXX Furnishing, XXXX and XXXX  ). The identity theft accounts are : XXXX XXXX XXXX ( 4 accounts ), XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX Co, XXXX XXXX. The unknown collection accounts are : XXXX XXXX XXXX ( twice ) and XXXX XXXX XXXX XXXX XXXX XXXX WOW. These collection creditors have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

I am asking EQUIFAX, XXXX  and XXXX  to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified.
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (GA)

In accordance with the Fair Credit Report Act XXXX  Account : XXXX Amount Collect : {$660.00} from Creditor : TRIDENT ASSET MANAGEMENT, 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 an account without my written instructions.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (DE)

XX/XX/XXXX Fully Closed and finalized my mortgage XX/XX/XXXX XXXX XXXX is the provider of my mortgage XX/XX/XXXX XXXX XXXX XXXX XXXX was the new holder and provider of my mortgage. 

Between XX/XX/XXXX - XX/XX/XXXX I made over 100 phone calls week by week explaining that I want this Mortgage to show up on my Consumer Credit Reports within Equifax, XXXX XXXX XXXX. They promised it would show up on my Consumer Credit Reports over the phone each and every time. They lied to me each and ever time. It is now XX/XX/XXXX and there is no record of the mortgage on any of my Three ( 3 ) Consumer Credit Reports.
Consumer complaint received 2020-07-05
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX   opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-06-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2022 I sent yet another letter ( Certified USPS XXXX ) to Experian stating my claim. My letter was an answer to the " verified '' accounts that allegedly were investigated. Experian stated accounts DEPT OF EDUCATION, XXXX, and XXXX XXXX were investigated but how is that even possible when the opening dates, last active dates, and last reported dates are inaccurate? I also add that my name isn't listed correctly and you don't have my birth date. It's just a year listed. 
Another part of my claim is that the FCRA 15 U.S.C. 1681b ( a ) ( 2 ) states you need my written permission to furnish any report of mine and your agency doesn't have anything from me as the consumer giving consent or permission to report on my behalf which is identity theft.

My letter demanded you investigate ALL RELEVANT information which means look at what my claim is instead of grouping it into a general dispute. 

Finally, I have to know as to how you can " verify '' the accounts below when XXXX and XXXX have both complied with my actual claim by deleting the accounts. I attached both agencies reports as proof that you are not communicating the disputes to all required databases. 

I've attached proof for the following accounts : 1. XXXX XXXX XXXX  XXXX XXXX 

2. XXXX XXXX XXXX XXXX .

3. XXXX XXXX XXXX XXXX .

4. XXXX XXXX XXXX XXXX .

5. XXXX XXXX

6. XXXX XXXX XXXX
Consumer complaint received 2024-08-10
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. (CA)

I recently reviewed my credit report and noticed an account that was not accurately reporting. I had XXXX late payments on the following account XXXX that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> ). I am now requesting you reinvestigate this account and update these payments. Paid on time immediately. Thank you for understanding and prompt action.
Consumer complaint received 2023-04-08
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. (NY)

On XX/XX/XXXX The Credit bureaus stated Account Name XXXX XXXX Account # XXXX date opened XXXX XXXX, XXXX Status : INCLUDED IN BANKRUPTCY COMPANY CONTACT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX open date is inaccurate, the date last active is inaccurate, and incomplete account # and date last reported is not accurate. This ground for removal.
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One locked my account and does not want to give me the reasons why. I called them numerous times without success. They told me they are closing my checking account and still not giving me the reasons why. So, I told them if this can be avoided? But no, they told me I must subpoena myself to know the reason. Anyway, I decided to do closed my savings, and checking under " consumer closed account '' as soon the agent number XXXX ( who is highly aggressive! ) told me " no it is under review '' and I said again " I do not care about the review, I want my accounts to be closed by me. '' She then left for few minutes, and transfer me to a supervisor who said, " your accounts are closed now '' But it is not under consumer decision but the bank Capital One '' I am devasted they ruined my credit report for no reason, no explanation, and did not want to report the consumer closed the accounts. Now, I will not be able to open a new checking account in any bank because Capital One ruined it for nothing! I want you to help me repair these huge errors, and asked Capital One to reverse the name as I was the one who called on XX/XX/2021 from XXXX XXXX  to XXXX XXXX  for nothing! The bank has no right to close my accounts since they have no reason for it. The worse is that it is me who asked it not them! These accounts were open and not closed! What are my options to sue Capital One, and their thief ex-CEO who stole money, and the bank itself ruined customers lives when they feel like it! No business has the right to do this to anyone in the world! I am sure that I am not the only one who suffers from this kind of situation. If anyone did, I want them to email me to file a lawsuit for defamation and tort! XXXX
Consumer complaint received 2022-04-27
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. (IL)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Hi, I have a very urgent matter once again due to a foreclosure sale on XX/XX/2018. I applied for a loan modification to Bayview Loan Servicing numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social it rings couple of times and then I get nowhere. Seems like when I put in my information the phone system recognizes my information and does not connect me to anyone. This has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. After speaking to the employee she did not give me any information regarding my loan and said that only one person could talk to me but I can never get a hold of that person. Also asked for a supervisor and was on hold for over 40 min and never got one. Bayview is playing dirty games for me to not resolve my issue and get an update on my loan modification.

Im being thrown around the phone system and no one can speak with me. Is this a game they play to hold off so long until its too late to speak to someone and then they sell my home? I have done everything needed to do and i have sent them all documents. If Im not mistaken Bayview Loan Servicing is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.
Consumer complaint received 2022-03-22
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: Experian Information Solutions Inc. (IN)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( XXXX ) ( XXXX  ) ( XXXX ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( XXXX ). Per 15 USC 1681 ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

Hi I applied for a credit card with XXXX XXXX XXXX and unfortunately I was denied due to tons of inquiries and tons of new accounts I didnt apply for and I told the supervisor that I didnt apply for those account and the inquiries and they would be removed by American Express and they wouldnt accept any letters or removing it off my file ... and I contacted America express about the inquires and they stated that they will be remove off my credit file after 90 days and but they all still there and I didnt apply for any American Express card and they are not removing them and told me they will be suppressed which is false and this is my 6th complaint Im filing with American Express I dont want there cards Im not interested and I have at least 7 inquiries with American Express on XXXX XXXX XX/XX/XXXX both of them and one inquiry on XX/XX/XXXX and one on XX/XX/XXXX that Im asking to be removed and so far American Express didnt remove these fraudulent inquiries
Consumer complaint received 2022-04-27
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. (NC)

In accordancewith the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, 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 2022-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (FL)

XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TRANSWORLD SYS INCXXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-07-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MN)

Coinbase Issue Sun XX/XX/XXXX XXXX XXXX  This is just a small sample ( 3 emails below ) of the repeating cycle of emails I have had with Coinbase Support. There has never been an actual human response. All are copy and paste answers. I have tried all suggestions from their emails repeatedly without success. I am unable to login regardless of how many times I reset password or enter 2 step verification. I am trying to gain access to my account to determine if I have been hacked. 


1. Sun XX/XX/XXXX XXXX XXXX  To : XXXX I have not signed in quite time. At least 2 to 3 months. 
I believe I was hacked by someone representing XXXX that gained access to my phone this evening and were attempting to change my password. 
This occurred today Sunday XX/XX/XXXX after calling XXXX and speaking with " XXXX XXXX ''. 
He gave me a case ID # XXXX. 
When I looked up the phone # it lists a company called " XXXX ''. 


2. Sun XX/XX/XXXX XXXX XXXX  To : Coinbase Support I had my account locked due to suspicious activity sometime ago and I am unable to re-access my account. Resetting password and 2step verification codes do not work. 




3. Sun XX/XX/XXXX XXXX XXXX. 
To : Coinbase Support Please let me know what additional information you need. I have tried everything you have suggested and I still can't login. 



From : Coinbase Support XXXX Sent : Sunday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX Subject : Case # XXXX - Access to disabled account Hello, We need additional information from you before we can resolve this case. 

If you still require support with this inquiry, please reply to our original email with the needed information. 

If you are unable to locate our emails in our inbox, please check your spam and trash folders as some email providers automatically filter our automated messages as spam. 

If you no longer require support, please let us know and we'll close the case. We'll send a follow-up email every five days to check if you still need support with this inquiry. 

Thanks, Coinbase Support
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Funds were wired to an XXXX bank account in the XXXX XXXX which was closed. Funds have not been returned to our account. We have exhausted all options with Bank of America. 
1. USD XXXX were wired to our vendor in the XXXX XXXX on XXXX XX/XX/2022. 
2. We immediately realized the account was closed and contacted Bank of America of the error within 8 hours. 
3. We have contacted XXXX in the XXXX XXXX. They say that account was closed and they have no record of receiving the funds. 
4. We have contacted Bank of America several times regarding returning the funds. The funds still have not been returned. We have contacted the wire transfer department and our branch manager to no avail.