davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

As I told you in my first complain, I had to make a payment of over {$2000.00}, which usually goes out automatically from my account this time I did not want it to go from the regular account so I gave them a different account number and the routing number, where to take the money out from They did not listen to me they tried to take it out from the regular account so the money was not there so it bounced. They charged me for bouncing it and now instead of fixing the promise they going to fix it they are charging me interest on top of it I dont think its right they know that they made a mistake And they should not charge me anything for it. I want my charges and interest returned to my account.
Consumer complaint received 2019-06-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NJ)

I found out the person who borrowed money for auto loan was not me.

In the document, the address was not mine when the person who used my name and SSN. I am pretty sure the Wells fargo does not have a copy of my driver 's license. The address on the document was not mine. The Wells fargo must have a copy of the deiver 's license of the person who used my name and my SSN. Worstly, the vice president of operation in the Wells fargo, her name is XXXX, she did not check names ( on the driver 's license and SSN 's ) accurately and sighned on the paper.

Wells fargo must send me the copy of driver 's license as a proof that the person is myself if they believe the person is myself. However, I am 100 % sure they do not have a copy of my driver 's license.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Equifax is reporting an account inaccurately. I was removed as an authorized user 45 days ago, but since they have not update the status since XXXX XXXX they are reporting false information. I spoke with the bank that the card was with and they encouraged me to speak with directly with Equifax. So, I put in a dispute XXXX weeks ago and this morning I called to get an update ; since this was not an error on the bank 's part, but an error on the part of Equifax, the reporting bureau. However, the agent that answered mistakenly removed, not the incorrect information, as I asked, no doubt due to the language barrier. I asked to speak to a manager to let them know that I was not asking to remove the dispute, I was asking that the account in dispute be removed since it is still showing as my responsibility ; although XXXX and XXXX properly update the account. To resolve the issue they stated that they can only start the XXXX window over again regardless of the representative misunderstanding. I then asked to speak to a US based representative, and he refused stating he was the last escalation and if I want a US rep I would have to keep calling back until I get one. He did however confirm that the account had not been updated on the credit report since XX/XX/2023, but there was nothing he could do about it. 

This is hurting my financial future and significantly impacting my credit score, as my wife and I are trying to apply for a mortgage and this is the only inaccuracy across all of my accounts with the 3 bureaus and should be an easy fix, by updating the account and not making me start the 30 days over because their overseas outsource help misunderstood what I was asking and then refused to get me to a US manager to resolve this matter.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was robbed on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX brought me to the bank to make an in person bank withdrawal and i tried to give it to him in the bank and then he said no and i gave him the cash after outside of the bank. I was heading to a XXXX appointment prior and I just got off an XXXX bus when it happened. The cops have classified it as a grand larceny. I called the bank wether there is a case open or not changes every time i call. I gave them the information. I have record of their lack of response over email through XXXX. A similar situation also almost happened on XX/XX/XXXX but, I wasn't that afraid the second time around.
Consumer complaint received 2023-10-16
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

The store is Kohl 's. 

On XX/XX/XXXX I made a return for the amount of {$160.00}, and made a payment for the amount of {$160.00}. 
Then I made a purchase on XX/XX/XXXX for the amount of {$100.00}. 
That leaves a credit of {$56.00} on there XX/XX/XXXX statement. 
Then I made a purchase on XX/XX/XXXX for the amount of {$61.00}. 
I used up my credit and owe {$5.00}. 
When I saw that they billed me {$61.00} on my XXXX XXXX, XXXX statement, i called and spoke with XXXX XXXX case # XXXX ). I spoke with her that I have a credit. She said they can not go back in there system ( XXXX ). I asked her if she would like me to email or fax the statement. She said " no ''. She can not receive faxes nor emails. So then I asked to speak to someone that could go back to XXXX. She said no one is here to help. So I said I will go into the store. Spoke with XXXX ( XXXX ). He said does not have access to my account. I paid the difference of {$5.00} on XXXX XXXX. The billed me again for {$86.00}.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Consumer complaint received 2023-06-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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  XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-10-16
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I deposited the ( CHECK from XXXX ) thru bank of america thru mobile deposit, suddenly after waiting for 5 business days, waiting for the check to be cleared, they told me the check is counterfeit and they gon na close my bank account for fraudulent action, its tottaly unacceptable and unfair, if its true that the check is real or not, how do i know? Literally ofcourse if somebody pays you a check, you gon na deposited to your acct, its not my fault to deposit a counterfeit check if its true, and i know the fraud department calls the check issuer to verify information of the check, so im so dissatisfied with the bank of americas action on just closing my account whatever reason they have, i just wan na return my account active coz i got salary from my jop thru bank of americas check
Consumer complaint received 2023-10-16
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. (TX)

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 XXXX dept of ed
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 extra credit union
Consumer complaint received 2023-10-16
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (PA)

In XX/XX/2023 I upgraded my cell and ever since then coinbase system denied me doing any trade, transfer, withdrawal or any transactions with my account and all my crypto. 
When I contacted coinbase several times via call, chat and email asking why I'm unable to do anything with my crypto and nft 's I have in coinbase and coinbase wallet It's constantly the same conversation every time I tried to get answers and access to my crypto and NFT 'S ... I get put on hold while they review my account and they say, ' Seems this is already being looked at by the next level department and they'll escalate it ' or similar to that.

When I ask, every time, why is this happening I keep hearing these words.

Only once did they say that I broke thier rules and can no longer do any trade with them.

then I ask, what rule did I break? They don't give me that answer. They said I'd get an email after further review and the email states something like... we agree with the original decision and the ruling stands. 
They finally did answer via email in XX/XX/2023 but the information they stated about me being in OFAC is false!! I live and always have lived in the USA! so no idea why they think otherwise Again, no way for me to get them to correct that... they wont I have a very low total XXXX never went over {$1500.00}. N now it's only worth just under {$600.00}. I'm a XXXX woman and really need that money back and I don't want to be forced to transfer the crypto vs sell off n close out because the fees would wipe out what funds I have. That was thier original suggestion to me but since have cut that off too.

I need my money back and don't want to transfer crypto. I want to have them sell off all my crypto for USD n then transfer the USD to my bank account linked to my coinbase account. 

It's beeXXXX months now ... they closed my initial complaints in XXXX XXXX the others so thats why there r several case # 's No idea. I just need my money back asap The email from XX/XX/2023 attached here, where coinbase states I'm in a country that the U.S. OFAC sanctions country and they can't do business with me. 
I LIVE IN XXXX XXXX XXXX PENNSYLVANIA XXXX XXXX so iveno idea why they're stating I live in an OFAC location. My ID n all I used to kyc with them shows that. I live in my existing home for 24+ yrs and still do. I'm XXXX and can't even go outta the country physically I've attached 10 screenshots of emails from coinbase proving this has been going on since XX/XX/2023 but that kept closing the cases so I'd have to start another because they didnt solve my issue.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 2023-06-13
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 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 2023-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I was sent a paper letter from Mohela on XX/XX/2023 indicating I was on administrative forebearance from the period of XX/XX/2023 to XX/XX/2023. Today XXXX/XXXX/XXXX  I checked my online account and noticed Mohela had generated a bill and a due date of XX/XX/2023 within the last few days ( as I check my account regularly ). I have not been notified digitally nor by regular mail of this due date. In addition, this payment was generated during the aforementioned administrative forbearance period as indicated on the correspondence I had received. Had I not checked for myself I would not have been aware of an upcoming payment date. This is unacceptable. In addition I submitted a XXXX  E-Sign Employment verification as I normally do which was submitted to Mohela on XX/XX/2023. It is now almost 70 days post my submission and my payment count has yet to be updated. 

This company 's lack of communication is unacceptable. I have never delt with this level of incompetence in the over XXXX  years I have been enrolled in XXXX. I hope you can assist me, thank you.
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I has filed to dispute many times, but they ( Bank of America ) did not care ti investigate fraud and weird. 
I bought item XXXX in XXXX XXXX by XXXX CARD, it charged and weird happened on receipt was MASTER CARD. It amounted {$56.00} by chip. 
I had returned in XXXX XXXX. My credit return, it wasn't post in statement in XXXX XXXX. It returned on receipt, it was XXXX XXXX by scanning on receipt. 
I didn't come to use my credit card at XXXX in XXXX XXXX and it charged and weird happened, it was {$56.00}. It posted in XXXX XXXX. 
Why did happen VISA CARD charge and CHIP and post it become MASTER CARD charge receipt! 
It was fraud and weird happened from Bank of America credit card.
Consumer complaint received 2023-10-16
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: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-16
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: TD BANK US HOLDING COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-16
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX & XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 1

5 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 inaccurate.