davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-17
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. (NY)

In accordance with the fair credit Reportingact. the list of accounts below has violated my federally protected cunsumer rights to privacy and confidentiality under 15 usc 1681. XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 15 u.s.c 1681 section 602 A. states i have right to privacy. 15 u.s.c 1681 section 604 a section 2 : it also states a consu, er reporting agency can not furnish a account with my written instructions 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency maymake 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 inaccurat.
Consumer complaint received 2019-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have continued to submit an investigation for a Bankruptcy place on my credit report. I have been trying to get this removed because it was place on my credit report in error and inaccurate. ALL THREE CREDIT BUREAUS have continue to ignore the information proving this was place in error and fail to properly investigate the dispute I have place in their office. 

1. They say they have verified this dispute with XXXX but I have a letter from XXXX stating this was removed because they were unable to verify the accuracy of the bankruptcy. I received this letter on XX/XX/XXXX,19. XXXX just finished an investigation on XX/XX/2019 stating the verified this with XXXX. 
2.XXXX Open the dispute on XX/XX/2019 and closed it on XX/XX/19 stated they verified with XXXX and the Bankruptcy court and I have a letter From XXXX stating they could not verify the accuracy of this dispute. I also, have a letter from the court house stating they do not verify information with the credit bureaus How could be this be on my XXXX file when XXXX has removed this item. 
3. Transunion open and investigation XX/XX/2019 and closed it XX/XX/2019 No way they properly investigation I have submitted all information to dispute the inaccurate information. Please do a proper investigation. 

XXXX, XXXX, and Transunion please do a proper investigation under 611 of the FCRA thank you very much I have attached the letter proving this this is not on my XXXX consumer report and a letter form the court house stating they do not report information to the credit bureaus from the XXXX XXXX XXXX, Clerk of Court United State Bankruptcy Court on dated XX/XX/2019 I have summited it to the credit bureaus to be ignored. I have as for a description of my investigation by section 611 of the FCRA and the information from the investigation is inaccurate.
Consumer complaint received 2022-04-05
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX is furnishing.

LIST OF INACCURACIES FOUND ON XXXX XXXX CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX complied with this requirement.
Consumer complaint received 2020-04-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2020 I sent a letter to Experian to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted, after 30 days there was nothing sent to me and items still show on my report. As of today XX/XX/2020 I have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX  ; Experian and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX and the bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2022-06-28
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. (TX)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. Addresses : XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX : XXXX XX/XX/2020 XXXX, XXXX XX/XX/2020, AN XXXX XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XX/XX/2020, XXXXXXXX XXXX XXXX XX/XX/2020, XXXXXXXX XXXX  XX/XX/2020, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020
Consumer complaint received 2021-09-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (VA)

I have a Coinbase account that I am trying to close. I can not close it from within the app. They have no customer care number, just a website that allows you to submit a ticket. I have submitted two tickets over seven days and they have not responded other than a generic statement on their website ( see attached ). 

I can't access my account from a desktop computer because I need to verify my account through XXXX  and email. I can verify through XXXX  but the second step isn't working. They're supposed to email me a link that I can click but the emails never come ... and yes, I checked my spam folder and other filters.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I have been battling with Equifax for roughly 60 calendar days about inquiries that I have no knowledge of thats showing up on my credit report. I have emailed several high ranking officials of Equifax countless times, I have called tons of times, and I even sent in letters in which none was received allegedly every time. This is becoming very tiring and starting to be daily slap in the face as I try to use all avenues to force this company to do their job and remove these inaccurate items. I have a total of 10 inquiries that I would like to be removed immediately.
Consumer complaint received 2021-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (WA)

On XX/XX/XXXX I tried to purchase a product in a local store and the card was declined. I call my bank to find out my balance was XXXX when I knock had well over XXXX when I had to withdrawal XXXX cash the previous to purchase a cell phone from a private party. 

I reviewed my transaction history via the phone to find a XXXX balance inquiry fee than XXXX cash withdrawal and then XXXX cash withdrawal with my card ending in XXXX. I tried contacting paypal prepaid to inform them of the fraudulent activities, suspend the card and to proceed with dispute process but they were closed. 

I provided paypal a screenshot of XXXX timeline that shows the history of my locations as proof that I was no where near the ATM where the transactions took place and I had the physical card with me in another city. I also clearly pointed out that over XXXX in cash was dispensed within a 24 hour window that exceeds paypal XXXX daily cash withdrawal limitations. 

I have been struggling all month long and have been experiencing financial hardship all year long. This incident has put me so far behind on bills in afraid I will never be able to end me and my mom 's homelessness.. 

Long story short, the investigation team couldn't find an error so no credit was issued. They ( paypal ) have dropped the ball on me so many times that I don't expect for them to do anything but produce another outcome of no error found therefore I am not eligible for zero fraud liability. They are accusing me of fraud stating the withdrawal are valid and now I'm out XXXX, late on several major bills, can't get mom outta of XXXX home that I promised to get her out of in XXXX and get us into an affordable apartment outside Washington. 

I requested another claim with additional documentation from the sales transaction on the XXXX app and the XXXX timeline history which clearly shows where I travelled that day and the duration. 

I'm exhausted, frustrated, broke, homeless, angry, depressed and feel like I will never get a break in life. I stopped calling paypal regarding provisional credit or claim status because their customer service is useless. They don't tell you anything about the claim and possible resolution date. 

I feel as though they are not investigating anything and they are just using stall tactics to get out of their obligation to their customers that if there is ANY FRAUDULENT charges the customer will be provided a refundcredit. I've been with this bank for over 10 years and during that I have disputed several valid unauthorized charges on my account unto which only one was found valid.

So I sit here in my car on the side of the road about to start another day having to return items to stores to get gas money while i wait on my direct deposit to come through so I can move forward with obtaining and securing housing for a mother whose been patiently waiting on her son to get her out of a XXXX home so we can be a family again.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK (AZ)

instead of closing accounts and working on existing balance FREEDOM DEBT RELIEF, allows the accounts to charge late fees until maxed out then over limit AND late fees I sighed up with XXXX divorce settlement payments. now 2 YEARS LATER my balance is OVER $ XXXX this after {$250.00} a month payments THIS COMPANY MUST ACTUALLY BE WORKING FOR THE CREDIT CARD COMPANY 'S most of these cards still had credit available not maxed out! NOW I OWE DOUBLE on what I started with. DEFINATLY A SHADY outfit. FREEDOM DEBT RELIF, XXXX AZ.
Consumer complaint received 2021-05-25
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I'm writing to raise what I think is an important issue. Small business lenders are refusing to refinance their clients ' debts now that rates are low. Small businesses could desperately use the lower monthly loan payments, especially in this post-COVID time, to help make up for their losses during COVID and simply because they should be able to refinance to the current rate. The reason for banks ' refusal to refinance has nothing to do with credit history or with being within a lock-in period. They refuse specifically because businesses did not make enough money the prior year. This is problematic because it means struggling businesses are punished with higher rates and higher monthly payments precisely because they need the money while businesses that managed to make above the bank 's threshold get to enjoy lower rates and lower monthly payments. 

When small businesses decide to take their business elsewhere to find a lender who would refinance, they are hit with a contractual prepayment penalty imposed by the original lender who refused to refinance their loan. 

I have already submitted a complaint to the FDIC against my lender, Bank of America, and received a letter saying that I need to file a complaint with the CFPB.
Consumer complaint received 2022-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XX/XX/2022 I received a letter from Bank of America about PMI Cancellation.

For the past few weeks Ive been trying to get clarification about language used in the letter. 

Ive sent several emails. I missed a couple of calls from a number from Bank of America but not one time did the person leave a voicemail as to whom to call back. Very unprofessional to call but not leave a voicemail. 

I then received an email from an unnamed person saying they called me. 

I replied to the email stating the best way to reach me is by email and if they could answer the two questions below : 1. Please explain what the PMI cancellation letter means when it statescancellation will require a good payment history???

2. Does my account meet the criteria for good payment history to have PMI Cancelled?
Consumer complaint received 2019-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2019, American Express customer service sent me multiple simultaneous emails. All the emails were entitled : Important information about your account. '' In those emails, American Express said they were, effective immediately, closing ALL of my credit card account. They closed about 6 cards in one day! I lost personal and business credit cards that I had used for many years and have been a loyal American Express customer for over 20 years. The MOST devastating thing about this was that I lost XXXX membership reward points, at a cash value of XXXX dollars. There was no explanation. We called American Express over the phone on XX/XX/XXXX and XXXX  trying to get the cards open. They denied this and didn't know why the cards were closed What is absolutely maddening about this is that they also said that all of the XXXX membership reward points, points that we had earned by using american express credit cards for ALL of our personal and business purchases, ALL of it was taken by american express and wiped to XXXX. We tried to reach out on XXXX. No luck. We have also sent letter mail to american express at this address : XXXX  XXXX XXXX XXXX XXXX, TX XXXX. No luck. I understand American Express can close cards, but I believe they should give me a chance to use my membership reward points or cash them out, just like EVERY other credit card company.
Consumer complaint received 2022-07-11
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. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (CT)

This is a letter that was sent to an attorney describing what happened : Hello, I found out today when I went to open a new checking account with XXXX XXXX bank and was denied, that XXXX XXXX XXXXXXXX has filed a claim of suspected fraud against me with ChexSystems and possibly XXXX XXXX XXXX. I have filed a dispute with ChexSystems and called XXXX XXXX XXXX  to see if there is a claim against me with them, but It will take 5 days to hear back from them. 
Last month, I opened a new checking and savings account with XXXX XXXX XXXXXXXX. They made 2 small deposits into my XXXX XXXX XXXX checking account to verify. The deposits were then removed. After this, I did an ACH transfer for {$4000.00} from my XXXX account to my XXXX account. While this transfer should have taken up to 3 business days to complete, it ended up taking much longer and both XXXXXXXX XXXX and I were becoming concerned. I was in constant contact with both banks. After many hours of speaking to reps from XXXX XXXX XXXXXXXX, I was getting nowhere. Finally, I spoke to a XXXX XXXX and ended up in an argument with her over this. They were not helpful whatsoever. 
Ultimately, I spoke to a manager at XXXXXXXX XXXX  who advised that they would be able to have their ACH department go in and retrieve the ACH deposit back from XXXX and not to worry because there is a paper trail for all ACH transfers. Turns out that the day the ACH finally was processed and appeared at XXXX, the manager at XXXX ( unknowingly ) went in and had the funds retrieved. I believe this is where the problem lies, but I am uncertain. I have not had any luck with XXXX XXXX XXXXXXXX. Immediately after this, they closed both of my accounts. They told me they will not reverse the claim, will not provide any further information and to contact ChexSystems, who will negotiate with them. 
To be clear I did not commit fraud, nor did I try to and I need this removed from my record. I can lose my job over this. Its extremely difficult to get anywhere talking to these banks and agencies. I have records of the transfer and deposit. I also have my statement from XXXX showing the withdrawal and then the credit back into the XXXX account from XXXX. 
I was going to go to XXXX XXXX XXXX XXXX XXXX this morning to speak with a branch manager to see if they have any leverage in speaking to XXXX XXXX XXXXXXXX XXXX because trying to call XXXX ( which is now XXXX XXXX XXXX XXXX ) is futile. They arent even accepting calls at this point in time because of the recent acquisition of XXXX Bank XXXX XXXX XXXX XXXX. 
I honestly do not know what else to do. Can you help?
Consumer complaint received 2021-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.