davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
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. (FL)

To whomever it may concern, The actions of XXXX XXXX  and the various agencies that have refused to address this manner are acting against Fair Credit Reporting Laws. I am attaching additional documentation for my communications with XXXX XXXX. You can see that they inferred that they would make a goodwill adjustment, despite the fact that there was never a missed payment to begin with and XXXX XXXX  has told me each time I call to write a letter or report to the credit bureau to get it fixed. Everyone who answers the phone apologizes and says that they don't have such authority. Please read attached correspondence that are screenshots from communication with XXXX XXXX, as well as the previous dispute.
Consumer complaint received 2021-01-30
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: AMERICAN HONDA FINANCE CORP (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

In or around XX/XX/2020 I summitted a written complaint to the 3 CRA 's regarding XXXX  XXXX credit card account. 

I requested Correction/Deletions pursuant to my rights under the FCRA. The CRA.s have not responded.
Consumer complaint received 2021-06-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.
Consumer complaint received 2023-10-28
Product: Credit reporting 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. (NC)

I have contacted Equifax to rectify these inaccuracies, but they seem to not want to respect my rights as a consumer as I demanded they be DELETED immediately due to the fact that I didn't recognize them and they are causing distress in my daily life. I have reviewed my credit report and have confirmed that I did not initiate these inquiries nor have I given consent for any institution or individual to access my credit information on the mentioned dates. These unauthorized inquiries have raised serious concerns regarding the security and accuracy of my credit report. The inquiries in question are as follows : XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2019-08-28
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: Commonwealth Financial Systems, Inc. (LA)

I received a letter from XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX that was a notice of data breach. On date XX/XX/XXXX. Then on XX/XX/XXXX I received a letter from Commonwealth financial systems with a bill for XXXX for a so said debt from XX/XX/XXXX. I am currently on a payment program with XXXX installment dept. and XXXX emergency group to pay all things off from XX/XX/XXXX.The timing seams bad as well when I called Commonwealth at first they told me it was hospital charges and told them about my payment plans they changed to it was a DR bill.
Consumer complaint received 2023-01-09
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: Premium Credit Bureau (WI)

Hello, I contact premium credit Bureau XX/XX/23 XXXX XXXXXXXX about an hard inquiry! They reported that they are a third party company and I should call XXXX XXXX. I would like the company to remove the hard inquiries from my report because its not me as I said and I never applied for a loan. They sent me to call who pulled the credit instead.
Consumer complaint received 2022-04-20
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. (LA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (WI)

I have very good credit and pay my bills on time I believe I owed either XXXX or XXXX cents on a bill I was out of the country I do not use this CC much when I came back I was billed for 2 times non payment then they refunded XXXX payment and said that was all they could do. So I canceled my card that day and asked what I owed and I paid the entire XXXX. I looked at my account later and it looked like I owed another XXXX cents I paid that now I have a bill of XXXX why??? They have a return check charge I have never had XXXX in my life. I do not understand they are trying to scam and when you stay on the line and want customer service they say this number does not have that. Extra points Comenity XXXX XXXX packer card.
Consumer complaint received 2022-04-20
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-20
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. (FL)

In accordance with the fair credit reporting act, the following companies have 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. 

XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX # XXXX
Consumer complaint received 2021-01-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

My account on Coinbase PRO has been blocked for 3 days now from the time of writing. Combined there is a little over {$100000.00} in my coinbase account that I no longer have access to. I was locked out because I sent an email asking them to check a transaction for me. Before they responded, I have figured out the issue on my own and re-emailed them in the same case number that " everything is fine, disregard the previous email ''. 

About an hour after those 2 emails, my access to my coinbase account has been taken away. I am day trading cryptocurrencies and as we speak, I am literally losing thousands of dollars due to their incompetence to re-open my account. I have submitted numerous case tickets that all went dark. I only received ONE email back that states the following : " Hi, We appreciate your patience while we work through a high number of support requests. 

According to our records, it appears that you were able to sign in to your account after requesting help from us. 

Since you were able to access your account, were letting you know that were resolving your issue and closing this inquiry. 

If your exact issue isnt fixed and you need further support, please reply back to this message and include any additional questions or concerns. 

Thank you for understanding. 

Regards, Coinbase Support '' As you can see, on their end " everything is fine '' and " I am able to sign in ''. That is not true, obviously that is why I am filing this complaint. It is unacceptable to have such low grade of customer service when the amount of money they handle is enormous. Right now I am invested in cryptocurrencies for far longer than I was supposed to, this has the potential to cause me a lot of financial damage. 

My case number with Coinbase is XXXX
Consumer complaint received 2024-10-11
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. (LA)

This account is a certificate of indebtedness ; it is now considered income and income can not be reported on any credit report. XXXX XXXX XXXX, account number XXXX, has violated several of my rights as a consumer. Furthermore, the sale or sharing of my personal information to a third party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

This also violates the Gramm-Leach Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent.

Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I purchased a new car from XXXX XXXX XXXX of XXXX, NJ in XXXX XXXX. Approximately one month after the purchase I discovered an issue. When purchasing the vehicle XXXX XXXX input the incorrect contact information on my account. The social security number, DOB, etc. on the account does not match mine. For this reason I am unable to access any online services for this loan, including my account number, online payment, and most importantly auto-pay. My only way to pay XXXX was to pay over the phone when they called me. They didn't call in XXXX, I can only assume this was due to COVID. I contacted XXXX  on multiple occasions but they were never able to fix the issue. 

In XX/XX/XXXX I realized that XXXX XXXX were reporting a late payment on my account from XX/XX/XXXX. At that time I attempted to reach-out to XXXX XXXX via phone at least 5 times to address the reported late payment. I was told by the front line customer service reps that there was nothing they could do to resolve the reported late payment, despite the incorrect information on my account, and that a manager would call me back. The managers called at times when I was unavailable, so I returned their calls leaving voicemails each time. I never received additional follow-up from them. 

In addition to calls directly to XXXX XXXX, I've sent them a letter outlining the situation and asking them to change their credit bureau reporting. I've also reported the error through the credit bureau dispute processes. Unfortunately, none of these efforts have led to resolution of this issue. 

XXXX XXXX 's inaccurate reporting is significantly negatively impacting my life. Tonight I attempted to finance a new cell phone ( only a {$1000.00} purchase ) and was denied by two different banks. If this one late payment were removed from my account XXXX XXXX estimates my credit score increases from 660  to the 750 range. This late payment seems to be the only reason for denial of my credit applications. 

Thanks in advance for your help!
Consumer complaint received 2022-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WI)

There are numerous debts to my checking account with Chase that are unauthorized, spanning a period of approximately 60 days. All charges are listed as a POS transaction with XXXX. They total approximately {$1200.00}. I called Chase to immediately cancel or lock my debit card when I noticed these fraudulent transactions, and the customer service rep refused to do so, indicating my card was not likely compromised. I told her I did not care if that was her opinion, that for my own protection, I wanted a new card issued immediately. Again she refused to do so, stating that whoever had hacked my account would also have access to the new card number generated. She directed me to call XXXX instead and handle the problem with them. When I called XXXX, they were able to identify the transactions as fraudulent, and being associated with XXXX XXXX. They said they would reverse the charges but that it could take up to 30 days to receive a refund. I couldnt believe Chase would do nothing to secure my account with them. Additionally, they never once advised they have any requirement to refund the charges identified as fraudulent. The charges are sometimes up to 14 different transactions in one day. They vary in amounts From {$20.00} to a few hundred dollars each. Im astonished that Im left to do nothing but watch money fly out of my account and hope I didnt really need it.
Consumer complaint received 2021-01-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (MD)

My XXXX XXXX is paid off by the Insurance ( {$11000.00} ), company to Santander Consumer USA, plus I paid over {$12000.00}, now Santander Consumer is asking for {$10000.00} in late charges. It has ruined my credit score. I need Santander Consumer USA to make my credit score right and loan paid off in writing with Title. The car cost {$18000.00}. I need help.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've sent dispute letters numerous times asking for verification and requesting changes in the past and twice in the last 2 months about how they're reporting my payment history incorrectly. All 3 bureaus are reporting late payments that weren't late and they have them reporting at random days of delinquency. Ex : I have consecutive months paid on time and then the next month suddenly jumps to 90 days late then reports OK and then jumps again to 60 or 90 days late. If my payments were to have been late then what happened to the 30 and 60 days reporting first? That can't report that way and they weren't late payments to begin with, my letters have been ignored for quite some time and I'm left with seeking legal representation for the damages these incorrectly reported accounts have been affecting my credit and quality of life for years now. XXXX is showing my payments go from XXXX to XXXX late the next month. TransUnion is also reporting late months that are outside the 7 year statute of limitations, another violation. I'll attach copies of my most recent reports for proof.
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo recently closed a XXXX XXXX  personal checking account of mine without notice or explanation. I have had the XXXX XXXX  account since I was a teenager in XXXX. Since that time, it has been in my name and my grandmother 's and used to transfer money occasionally between the two of us. On XX/XX/XXXX I received a message that this account was closed on XX/XX/XXXX. The message did not include an explanation or a means to reopen the account. In XXXX, Wells Fargo had tried to close an Everyday Checking account of mine that had been inactive, but explained that I could reopen it with account activity and so I brought it into compliance immediately. In this case, Wells Fargo did not give me that option or explain to me why it had closed the account. This was a shock. I called Wells Fargo on XX/XX/XXXX and complained to a representative who transferred me to a level 2 specialist who submitted an internal complaint on my behalf and who explained that the account was not able to be reopened. The representative was also not able to give me satisfactory explanation as to why the account was closed- they had attempted to say the account was closed due to being negative as a result of an overdraft. However, that was false - although I did overdraft in XXXX due to accidentally giving the wrong account number as a method of payment, the overdraft amount was borrowed from my Wells Fargo credit card and I immediately replenished that amount plus the fee. She then tried to say that it was due to inactivity, which didn't make any sense because I often leave this account inactive over the 25+ years that I've had it. I also do not believe that anything in my original customer agreement with Wachovia ( the originator of the account before they merged with Wells Fargo ) allows for the bank to close the account due to inactivity. She also attempted to say that Wells Fargo had sent me communication about the account closure prior to the actual closure - that is simply not true. There is no record of the communication in the Wells Fargo Message Center where they have sent me other similar messages about account inactivity, etc. The complaint number she gave me was XXXX. I do not expect a reply from the internal complaint and due to Wells Fargo 's history of nefarious practices with account closures, I am submitting this complaint to CFPB to inform CFPB that Wells Fargo is still up to its old tricks.