davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
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: Spring Oaks Capital, LLC (TN)

My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
Consumer complaint received 2021-10-06
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. (LA)

i was NEVER late on this account in XXXX i have no idea why they put this on my credit report but i have tried to get them to correct it and its XXXX and they have not fixed it yet.
Consumer complaint received 2022-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MI)

I am struggling to understand the number of qualifying payments I've made and how my payment was calculated under each type of repayment plan I've been pushed into. I've asked for this information from XXXX and aidvantage, I want the specific answers FOR EACH AND EVERY LOAN, FOR THE ENTIRE TERM OF THE LOAN : 1 ) Each stage of payment plan- active ( or inactive... ) IBR or IDR, and the date the plan was in effect, and when it lapsed. 
2 ) The current IBR/IDR plan I am in ( and as of which date ). 
and XXXX ) how payment is calculated for each plan.
Consumer complaint received 2021-11-16
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I called Chase bank before I went to XXXX and told them I would be there in XXXX and to allow purchases and to be allowed to use my debit card at ATM machines in XXXX. ( I am sure that phone call I made was recorded ). I also told them that if they ever needed to verify me or my charges in XXXX that I would not have my American cell phone or access to that phone number with me in XXXX so that wouldn't be an option if they needed to verify me. I told them they would have to verify me through my email and or to ask me my security questions that I set up when I opened my online account. That only I would know the answers to. My laptop broke after being in XXXX for 2 months. I had already made probably XXXX purchases and or ATM withdraws in XXXX. So they knew it was me there using my debit card and there were no issues until my laptop broke and I went to an XXXXXXXX store to buy a new XXXX XXXX XXXX for around {$1100.00} USD. My card was declined at the XXXXXXXX store. Before I had a chance to call Chase customer service from my XXXX phone I went to get cash out of an ATM machine since I was out of cash to live on. My ATM cash withdraws that I tried to do were also declined. I was out of money and no way to pay for anything online including my hotel room bill or my plane ticket home, etc. etc and I had no cash to live on. I spent the next 3 days on my XXXX phone calling Chase fraud dept to have them unlock my account. I asked to speak to the supervisor and higher and higher up the Chase fraud dept I went from supervisor to supervisor until I reached the highest person in charge of the security dept. They never would unlock my account. They said the ONLY way they would be able to verify me and unlock my account was by my American cell phone number. I begged them to do it by my email and or my personal security questions but they wouldn't. I had no other credit cards or debit cards. They made me homeless in XXXX with no money for food or anyway to pay for a hotel or plane ticket home. Please help me get these evil doers. 

P.S. 

I have been to XXXX probably 20 times in my life and when this happened before I would just call them up and fix the problem in one call and they would unlock my account via my email and my personal security questions. The date this happened was around XX/XX/2022 give or take a day or 2 since XXXX is 15 hours ahead of California time.
Consumer complaint received 2022-08-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2024-10-17
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. (NC)

I am a victim of FRAUDULENTLY REPORTING OF ERRONEOUS INFORMATION. Experian and XXXX are still reporting inaccurate information from XXXX XXXX XXXX XXXX on my credit report. Company is in direct violation of 15 USC 1692e False or misleading representations. I have EVIDENCE from the CFPB website that XXXX has already removed the account from my credit report for the violation of 15 USC 1692e. CFPBCOMPLIANT # XXXX. Pursuant to the Fair Debt Collection Practices Act. 15 USC, Sec. 1601 et seq, this constitutes timely written notice that the law requires the return of the attached erroneous purported debt which is unsigned and unattested, and which I herein discharge and cancel in its entirety, without dishonor, on the grounds of breach, false representation and fraud. These claims are bonded and under the mandates of Article VII of the Bill of Rights.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I used the option offered by XXXX XXXX XXXX XXXX and chase bank and others where the service offered is to split the original payment say XXXX in to up to XXXX payments and the new first payment and payment 's after that will be added to my minimum balance each month and as described to me by the customer service rep they have a day or XXXX to approve or deny and the new first payment will be posted on the new statement and the new first split payment will replace the original purchase price as to relieve credit usage and overall reduce my actual credit on the card making my limit go from say XXXX to minus XXXX and replacing it with XXXX i think or whatever making my credit usage at around XXXX instead of XXXX as would most reasonable people would believe, cause a. the financial institution still gets paid just overtime, the credit user lessens their credit usage raising their scores and lowering their usage rates and overall credit they have to use to purchase other thing 's for the financial institution to gain. XXXX employees didn't even know the service existed tried to tell me that the program which most credit card companies wasn't used by them until I proved otherwise by actually walking in and showing them. For me it's a deceptive practice and all I have to prove is that me a reasonable person could reasonably assume a service provided should be served a certain especially if the companies policy explaining their service or action is nowhere in plain sight, their employees aren't fully trained and knowledgeable about the service. The service is available for any credit card purchase over {$100.00} and you can split up to XXXX purchases at a time into XXXX payments and the financial institution has XXXX to approve or deny. The person at XXXX tried to tell me folks just do it cause they like adding extra money to their minimum payments every month instead of just paying the minimum balance as required which I've never heard that from anyone
Consumer complaint received 2022-12-08
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: FAIR COLLECTIONS & OUTSOURCING, INC. (NV)

In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXX, FAIR COLLECTIONS, XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-04-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (VA)

Summary : 1 ) Coinbase withdrew {$1000.00} worth of Ethereum coin without any notification and despite having remediated a bank transfer issue within requested time frame 2 ) After reporting the issue, Coinbase locked my account and has not responded for 5 days despite multiple email requests. Given the recent crypto currency market crash and the account lock preventing me from selling the crypto coins I have in my account, this has resulted in monetary damages Coinbase Case Number : # XXXX Details : 1 ) Initiated a deposit of {$1000.00} from my bank account to Coinbase Pro 2 ) Within minutes, I received an email from Coinbase that the transaction was cancelled by my bank and that I can re-try again 3 ) Within minutes, I've logged into my Coinbase account which has an additional message that I have 5 days to remediate the issue or Coinbase. I immediately re-initiated the transfer. Coinbase confirmed with an email that the " fund recovery '' was successfully. " We have successfully collected the funds from your recent failed transfer '' 4 ) However I noticed then that Coinbase has already withdrew {$1000.00} in Ethereum coin. Important to note here is that the Eutherum coin was purchased previous and NOT using the deposit from the failed bank transfer. In fact, the {$1000.00} USD in question was actually still untouched in my Coinbase account so if that transfer failed, Coinbase should have debited those {$1000.00}.

5 ) I emailed Coinbase ( there is no phone option ) and Coinbase responded that they've locked my account & requested that I update my password. Once complete I can email them to unlock the account.

6 ) I confirmed that I've completed the instruction and requested my account to be unlocked plus the {$1000.00} in Eutherum coin that was wrongly taken away to be re-deposited. I explained again that it does NOT appear to be a security breach to my account, as it appears to me that Coinbase withdrew the amount as the timestamp of the withdrawal matches with the failed bank transfer. 
7 ) Received an email " Having investigated the issue, we are working with a specialist to address it properly. We will follow-up with you as soon as we have an update. '' 8 ) To date, after 5 days, I have not received an update nor has my account being unlocked despite multiple email requests.
Consumer complaint received 2023-01-29
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. (NJ)

In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 US Department of EducationXXXX account number XXXXXXXX XXXX XXXX account number XXXX XXXX account number XXXX 15 USC 1681 602A states that I have a right to privacy.

15 USC 1681 604A, section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information ; any adverse items of information other than records of convictions for crimes which antedates the report by more than 7 years.

15 USC 1681 s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Please delete the aforementioned accounts ASAP.

Thank you.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2021-04-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (IN)

I am in the process of buying a home. We are about to close next week. Out of the blue, a collection for a bill 2 years ago, is placed on my credit reports, in the amount of {$210.00}. This caused my score to drop XXXX points. The way they put it on there, damaged it extremely hard. I contacted the company as soon as I saw it, and settled the amount for {$150.00}. Its still on my credit reports. This may cause my mortgage approval to fall through, making me homeless. I have a family, and have no idea what to do. I was NEVER given a letter beforehand to dispute, or even see if the bill is accurate. Please help me. I need this off my credit reports now.
Consumer complaint received 2021-04-24
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. (IL)

XXXX replied with a full investigation ( letter ) of the auto account but they left out significant and pertinent information to the account but their letter shows they were not timely or truthful about the various other verifications were all lies.
Consumer complaint received 2021-04-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mr. Cooper Group Inc. (CO)

Our Mortgage holder, Mr. Cooper ( Nationstar ) withdrew funds, without consent, between XXXX XXXX-XXXX XXXX XXXX. The amount of each withdrawal is {$1300.00} totaling {$2700.00}. Our bank account ( held with XXXX ) is now overdrawn and will likely incur overdraft fees which is {$35.00} a charge. We have bills to pay and now we can't make and payments or purchases without being declined or charged a fee. 

Our account is NOT set up for automatic payments. We schedule our mortgage payments or submit a payment. 

I have called " Mr. Cooper '' four times on XXXX, requested call backs twice, and submitted two " tickets '' through their website and attempted to communicate via their " live chat '' which is saying " it is not working at this time ''. All of this is documented. Mr. Cooper has not answered calls, messages, or returned my call at the suggestion of the automated phone bot. 

There are others posting on Mr. Coopers social media sites that are experiencing this issue, as well.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

There have been in the past months trouble and harassment from Bank of America ( XXXX ) account. I have automatic payment at the end of the month, so payment is never an issue. I have experienced constant from BOA employees from disputing a charge, the male employee gave me a hard time about disputing the charge to today XX/XX/XXXX my charge card was reported stolen, not by me. I spoke to XXXX this morning who stated he has no idea why or who reported my card as stolen when he reviewed the note, he stated I even responded to an e-mail and confirmed I made a charge payment. I have spent many a phone call with BOA and feel the last BOA employee reported my card as stolen. I will report to the Delaware attorney general of BOA Deceptive practices and harassment to US consumers and elderly. I should not have to keep track of who I speak to at BOA or Bank of America, but it seems I do. A new card is being mailed out to me as of today from what XXXX informs me, but I have spent a lot of time dealing with BOA harassment and deceptive practices. My XXXX XXXX number are XXXX XXXX XXXX XXXX exp. XX/XX/XXXX
Consumer complaint received 2021-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ROBINHOOD MARKETS INC. (CA)

I had a cash management account with Robinhood. However I requested an ACAT transfer to another institution which they later denied. But ever since now I cant use my debit card and all my EFT payments using account and routing numbers have been declined. As well as deposits, withdraws and day to day transactions. Ive ask many times for a fix but no response as of yet and its been a few months.
Consumer complaint received 2021-04-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc. (MO)

Employee was told not to contact me at work and they did it 2 times after I told them not to. I spoke to their XXXX Manager about it and he basically kept over talking me and telling me I need to pay my debt. He was not too concerned about them calling me at work after I told them not to.
Consumer complaint received 2022-05-01
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. (MD)

In Accordance with the fair credit Reporting act XXXX XXXX credit union. 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 account without my written instructions
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Royal Pacific Funding Corporation (CA)

Last XX/XX/XXXX, When I was applying for a Solar service in my house, The Solar company ran my credit and found out that I was not approved due to the 2 months late on house payments ( XXXX and XXXX of XXXX ). Right the same month, I contacted Royal Pacific to fix this information since I never missed any mortgage payment. I received a letter from Royal Pacific last XX/XX/XXXX, acknowledging my request to investigate the incorrect report on my credit. Every month, from that date on, I follow up with them and they told me to wait. 
After six months ( XX/XX/XXXX ), My credit score still reported late payments. This time I contacted the Vice President for Servicing to ask for help since nothing has been done on my case. I have been deprived of my right to equal and fair credit, I can not avail of a good credit rate because of this error. Every day, I was on the phone, asking begging them to provide me with the result of their investigation. I wasted many hours of wait time on the phone, receiving poor customer service, and no one cares. 
I believe I had given them enough time to resolve my issue but no action has been taken.
Consumer complaint received 2021-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (MS)

I was informed by the credit bureaus that a collection was placed on my credit report. I had been informed by XXXX  that my identity was stolen on the dark web. .And that accounts were open and paid on monthly basis in my name. Also a car was also purchased and paid in my name. Now this company has placed a collection on my credit for the amount of XXXXThis company has never called me or notified me in any type of way about this account. .I was informed by the credit bureaus that this collection had been placed. I have never had a loan with this company. I never signed any paper work with this company. The company name is NBC MANAGEMENT SERVICES, INC. I would like this company to show my wet ink signature which i no they cant because i never took out a loan with them. This is identity theft. Also an old address was used. I have never heard of this company.