davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-12
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. (FL)

On XX/XX/202, I sent a letter to XXXX regarding inaccurate and unknown things on my credit report. It's been more than 30 days and I still have not received a response. I feel as if I'm being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove those items from my report. it's been over 60 days so those items should be deleted promptly. I demand that these items be deleted immediately, or I will file for litigation due to stress you have caused. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-06-13
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. (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-09
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: EQUIFAX, INC. (TN)

I am filing this complaint because Credit Bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2022-03-02
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. (WI)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Roughly one month ago, my account on Coinbase that I have been using for several years at this point was suddenly flagged for review without any reason or explanation. I have had almost no activity on the account since XXXX where I moved some funds around ( and had even more trouble with them that I went through CFPB to handle that time as well ) so I don't understand at all why they would suddenly flag my account. 

Since being flagged for review, absolutely nothing has happened for an entire month but my remaining funds of XXXX have effectively been locked for the entire period ( and also devalued by 20 % ) and continuing, support does nothing and gives no valid response, and repeated attempts at validating the account ( that has passed maximum tier XXXX procedures YEARS ago ) have been met with silence and ignorance. 

Attached copy-paste support response whose links I've all followed and revalidated DESPITE ALREADY BEING A FULLY VERIFIED CUSTOMER FOR YEARS. Nothing has happened since. 

I am unable to interact with any of my money on the platform and nothing is being done. Their support service is basically non-existent.
Consumer complaint received 2023-12-05
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. (FL)

I am writing to address a matter of utmost importance regarding my credit report, specifically pertaining to billing errors under 15 U.S. Code 1666 ( b ) ( 4 ) and ( 5 ), as outlined below : ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

Upon reviewing my credit report, it has come to my attention that there are multiple billing errors on my accounts, and I suspect a violation of 15 U.S. Code 1666 ( b ). As per my understanding, the creditor failed to notify me 21 days before with a statement, and as a result, there should be no late payments reflected on these accounts. I am formally requesting hard, solid proof from your institution 's records demonstrating that I did not make a payment and was consequently marked as late, as this appears to be a billing error. 

The specific account details in question are as follows : Account Name : XXXX Account Number : XXXX Late Payment Date : XX/XX/2023 I insist that these items be promptly updated on my consumer report to reflect the accurate status of " paid as agreed. '' It is my right as a consumer under the law, and I expect compliance within a reasonable timeframe. 

If these accounts are not updated or deleted immediately, I want to make it clear that I reserve the right to seek monetary compensation for the violation of my rights under 15 USC 1681n civil liability. I am prepared to pursue legal action in small claims court in my city and state. 

Furthermore, I have taken the initiative to involve relevant authorities by filing a complaint through the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. This matter is of great concern, and I trust that your institution will address it promptly and rectify the inaccuracies on my credit report. 

I anticipate your swift attention to this matter and a resolution within the statutory time frames.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (UT)

Chrysler Capital is reporting late notations on XX/XX/2019. My husband and I worked for a company that ended up going bankrupt and leaving both of us with no work. We kept getting promises of getting paid and we went months without receiving a paycheck and when the company went bankrupt, we saw no pay for the months of work that we did. We fell behind on accounts and caught up as soon as we could. We ask that Chrysler Capital please remove the XX/XX/2019late notations.
Consumer complaint received 2021-08-09
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. (MD)

XXXX XXXX  XXXX TransUnion XXXX  XXXX  Account # XXXX XXXX XXXX The creditor name is STILL incomplete and I am not certain what the name of the creditor is? 
The account numbers are STILL truncated and they don't even match. 
The date of first delinquency is STILL incorrect. 
The date of last activity is STILL incorrect. 
The payment history is STILL reporting incorrectly. 

This account has numerous inaccuracies and I fail to understand how it has been verified as accurate post investigation? Did you even investigate? If so, what was the process that you used? Who did you talk to? Was everything Metro2 compliant? I don't think so!
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (PA)

So my truist checking acct was in the negative and they just kept charging me to were now I owe them XXXX. 
Im sorry but if my account was in the negative what makes you think charging me is going to make me be able to afford it better. 
A XXXX check was deposited in there and they happily took that which tells me its still not closed. 
I cant afford this right now at all and I was just trying to make my credit better. 
Im sorry but there should be a cap on how much they could charge in fees and at some point close the acct I havent used this acct in over 6 months but like I said when a check accidentally got direct deposited in there they quickly snapped that up. 
I literally live pay check to pay check Im not trying to screw anyone out of something there owed. 
If there is anyway you can help me please I would appreciate it Thank you XXXX XXXX
Consumer complaint received 2021-09-04
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (GA)

I took out a dispute in the month of XX/XX/2021 XXXX Do to my card being lost i called and canceled my card and reported it stolen. & about 2 weeks later i recieved a letter in the mail to fill out for the transactions i disputed and was given a provisional credit for the amount of {$580.00}. On XX/XX/2021 i called my debit card to check my balance. just to find out that the {$580.00} that was credited to me was reversed without any notice. Nor did i get anything in the mail and when i question the customer service rep .. i was told that the payment was due to reverse on XX/XX/2021 and the letter of this transaction was sent on the same day.. & i still have not gotten this letter i asked to work out a payment plan and i was told that the DIRECT EXPRESS COMERICA BANK XXXX doesnt do payment plans and that it was nothing more to be done .. ive been calling my bank sine XX/XX/2021 and all ive gotten was throw from one department to another as well as being on hold for over # plus hours ( i also have a screenshot of this ) >> My rent is now past to because it due on the 3rd of every month & because i never got any help with Direct express after calling for days as well as calling XXXX ( XXXX ) XXXX & almost every worker gave me a very poor attitude as well as mis information I DID NOT APPROVE OF ANY TRANSACTION for {$580.00} to be taken out my account.. Ive been getting SSI for over 10 years and ive never had this issue Also i am really disappointed at how DIRECT EXPRESS treated me with a very nasty and inpatient attitude .. i was hung up on many times and ive been vey respectful and calm with this situation .. I was hoping i could clear things up with my bank because ive been with direct express for bout 5years .. But i didnt get anything but let down and my money taken I WAS TOLD THAT, I got myself into this and i should contact the merchants, SO i also asked what was the final choice on this dispute matter and i was told by costumer service that, My dispute case was closed ( i was never notified of this ) Because they wasnt able to determine if it was fraud or not ... so basically my money was taking because they dont know how to handle my dispute I was treated and talked to very poorly and left confused with no answer to how or why this was handled in this manner .. Nor was anyone of the reps considerate enough to help me in any type of way even after i explained that i have to pay my rent which is $ 550 monthly and my tmobile phone bill is {$100.00} as well as other bills i cant afford this to happen .. i just started collage last week i cant afford to be behind on rent Please may someone contact me ASAP the longer i wait the higher the late fees guys please help me!!! my number is XXXX or XXXX _ - XXXX XXXX XX/XX/2021 XXXX
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

After 20 plus years as an account holder, Wells Fargo closed ( 2 ) bank accounts : my checking / savings account & Business Account for my rental property. I contacted the Customer Service number, unfortunately the agent said it was a business decision. The response was very vague and feels unfair. My accounts have good balances and funds move every month. My wages have decreased a little as a result of COVID19 but my bank account balances have never fallen below thousands of dollars. Nor I have I ever had negative funds. I called back the next day to have the decision reviewed by the fraud strategy team. Unfortunately, the agent gave me the same vague " it was a business decision '' response and you agreed when you opened the account we had the right to close your account at any time. 

I then visited the branch manager in person to see if the vague response was related to the limited skills of phone agents. Unfortunately, Wells Fargo believes it is best for a 20 year customer with an 800 plus credit score to take her direct deposit and banking needs to a competitor. 

I am asking the CFPB to review the Wells Fargos bank account closure strategies to determine if I was treated fairly AND not discriminated based on my XXXX XXXXXXXX name.
Consumer complaint received 2021-08-13
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: Synerprise Consulting Services, Inc. (TX)

Your company is reporting the accounts on my credit report as a collection account. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state.5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. For the purposes of 15 USC 1692 et seq., this Noti
ce has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (WA)

On XX/XX/20 I started receiving a statement from PayPal credit saying I had transferred a balance onto this credit card. I called and explained that this was not me. Then on XX/XX/20 I receive a statement from them again with another account number and another balance transfer. Once again, I called and told them I have not used their credit card. They opened yet another card under my name falsely on XX/XX/20. I have contacted the credit bureau. It has been removed from my credit but I continue to get statements and phone calls from synchrony daily saying I am going to collection. 

Can you please help me find a way to stop this fraud. 

Thank you. 

XXXX
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (NJ)

The account is appearing on my credit report, i have disputed this account more than once. Once it was removed it was put back on my file with a different name. Its causing damage to my credit profile and the debt doesnt belong to me. 


Source Receivables Management # XXXX Account owner : XXXX XXXX XXXX {$440.00} XXXX XXXX
Consumer complaint received 2021-06-10
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. (OH)

During the past six months starting XXXX to now, I have reached out to these companies regarding the inaccurate information being reported on my credit profile. At this point I feel like I am receiving auto generated responses and being ignored and taken advantage of. On my credit report there is an item listed as " XXXX XXXX '' with the account number " XXXX '' on this account, the date of last activity does not match up between all three bureaus therefore I need this account to be removed immediately according to my consumer rights that state all inaccurate and incomplete items must be deleted within 60 days. On my report, all 3 bureaus are not reporting that same, accurate DATE OF LAST ACTIVITY. I know that the date of last activity date is very important and can cause this alleged debt to be re-aged and inaccurately reported again. I have reached out to XXXX XXXX and all three credit bureaus several times and this account keeps being verified as accurate. How can it be verified as accurate when this is the same account reporting but the dates are not the same? How is this possible? I continuously let the bureaus know that this information is incorrect and I am constantly being ignored. This is not fair and its causing me stress, loss of money because of interest fees, defamation of character and holding me back from moving ahead during this pandemic. I am very upset because situations like this cause me to lose thousands of dollars and continue to hurt my report and chances and moving forward. Please delete this account.