davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX
Consumer complaint received 2021-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my acount for no reason and will not help me with getting it back up. 
I am not sure if this is some mistake or what really happens Im very poor and this money I received ( XXXX ) will help me a lot and I really Can not wait XXXX  days to get my money cause I just need this money now, to get some food and to live as decent possible. 
I think they are not doing his job properly doing this with a familly mother My e-mail linked in Paypal is XXXX Please help me to fix it
Consumer complaint received 2020-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

COINBASEs transfer to a FRAUD SCAM Brokers : XXXX XXXX I would like to bring your attention to a serious issue I have with Coinbase wires that first took place in XX/XX/2019. I have been victimized by a multilayered scam operation orchestrated byXXXX XXXX - the Company. The funds were transferred utilizing COINBASE 's services in the total amount of XXXX GBP! I would also like to point out that on the XXXX of XX/XX/2019 - I filed a dispute with COINBASE. 
I prefer to attach files for the review.
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX XXXX XX/XX/XXXX Bank of America Acct # XXXX On XX/XX/XXXX, my account was closed due to insufficient funds. I paid the fees in person around XX/XX/XXXX. It still showed as non-payment. I lost the receipt so fast-forward to XX/XX/XXXX XXXX. I went back to BOA, paid the {$290.00}. This time, I have my receipt. I rechecked XXXX and the {$290.00} still shows as unpaid. When I call into BOA, the representatives do not know how to help me and dont know when it will be removed. Please assist in showing the charge off amount was paid.
Consumer complaint received 2020-05-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

LOANMART IS REPORTING A PAST DUE COLLECTION ACCOUNT ON CREDIT REPORT FOR {$13000.00} ... I DO NOT RECALL OBTAINING A LOAN FROM THEM IN XXXX FOR THIS AMOUNT. ATTEMPTS TO REQUEST VALIDATE OF THIS ACCOUNT CAME BACK WITH A WRITTEN STATEMENT FROM LOANMART STATING THEY " ARE UNABLE TO LOCATE YOUR FILE ... '' IF THEY CAN'T LOCATE THE FILE THEY SHOULD NOT BE REPORTING IT ON CREDIT AND SHOULD NOT BE AGRESSIVELY ATTEMPTING TO COLLECT DEBT ... 800 LOANMART  Account number XXXX .... 
Recent balance {$13000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Experian refuses to take off a charge that doesnt even have my name on it. I have no idea how a delinquent is linked to me when the other 2 credit bureaus dont have anything about it. This is harassment and fraud!
Consumer complaint received 2020-07-06
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. (LA)

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2020-05-28
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have multiple fraudulent inquiries that I have disputed with original creditor that confirms that they should be removed. I have sent the same dispute to Trans union on multiple occasions and I was informed that they will not dispute then or remove them. Trans union reps informed me that I must contact the original creditor to have them removed, in which I have done so. The original Creditors informed me to dispute with trans union. I have requested validation from trans union on these inquiries on my credit report 4 times with no response or reply. the inquiries of question are for listed below : XXXX Dated XX/XX/XXXX XXXX XXXX XXXX BRANCH OF XXXX XXXX Dated XX/XX/XXXX XXXX XXXX XXXX For Dates ONLY XX/XX/XXXX & XX/XX/XXXX These accounts and Dates I did not do business with these organizations and/or authorize my credit file to be pulled.
Consumer complaint received 2023-02-24
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)

Regardless of the multiple written requests, the inaccurate addresses listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the inaccurate addresses below in my file : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (IL)

I have a XXXX XXXX XXXX XXXX XXXX. I was approved for a {$10000.00} grant by the SBA since my business took a dramatic loss because of the corona virus. The {$10000.00} was credited to my account on Monday XX/XX/2020. I used my account for two days with no problems. Then Wednesday, XX/XX/2020, my account was put in the negatives {$2000.00}. TCF took the money back and put my funds on hold. I called to settle the problem, they then told me I had to go up to my nearest branch with proof of business. I went up to the branch on XXXX XXXX in XXXX XXXX, Illinois with a business card, a flyer that I had for deals on my XXXX  from XXXX, my social security card, my ID, and a print out of my SBA application with the application number and my XXXX on there. TCF then called me later and requested more information, and still refused to move the hold. It is now XX/XX/2020, 10 business days after the funds were deposited and TCF has yet to remove the hold off of my grant. Can someone please contact TCF on my behalf and get this hold removed.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/XXXX USAA STATEMENT note : all XXXX XXXX total {$470.00}. See attatched XX/XX/XXXX USAA STATEMENT XX/XX/XXXX {$8.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX total {$470.00} ARE *DUPLICATE TRANSACTIONS ON ACCOUNT ( 2 ) TWO TIMES. ONCE *XX/XX/XXXX AND ONCE XXXX XXXX TOTAL {$470.00} See attatched USAA REVIEW OF YOUR CLAIM COMPLETE XX/XX/XXXX THE REVIEW OF DUPLICATE TRANSACTIONS CONFIRMS * NO FRAUDULENT ACTIVITY FOUND AFTER REVIEW OF YOUR CLAIM. USAA posted Fraud Credits XX/XX/XXXX {$460.00} AND REVERSED THESE OLD FRAUD CREDITS XX/XX/XXXX & ALSO ON XX/XX/XXXX. LAW REQUIRES DUPLICATE TRANSACTIONS XX/XX/XXXX {$470.00} BE PAID AND INTREST. LAW REQUIRES WRITTEN FRAUD NOTIFICATION USAA DOES NOT PROVIDE.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

Account was disputed at the time as inaccurate. Removed in XXXX of 2019. Loan # XXXX Lender being XXXX XXXX. Account is in fact accurate and correct. This was a mistake by myself. The consumer XXXX XXXX XXXX XXXX. XXXX is now continuing to report this information as current, Equifax continues to suppress and block this correct information.
Consumer complaint received 2020-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Titan Receivables, Inc. (CA)

This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a collection? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-07-06
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX VCHAPTERXXXX BANKRUPTCY DISMISSED XXXX CHAPTERXXXX BANKRUPTCY DISMISSED XXXX
Consumer complaint received 2020-07-06
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. (NC)

I previously sent three dispute letters to all three of the credit bureaus to remove all of the fraudulent accounts and some paid fraudulent accounts from my credit report, I showed them my lease verification along with addresses that I dispute with Equifax and they still have not removed these negative accounts despite the fact I showed these three credit bureaus that I've been living at XXXX XXXX XXXX XXXX North Carolina XXXX since XXXX I say that because all of these negative accounts are attached to addresses that I never lived at in XXXX North Carolina.
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (UT)

On XX/XX/XXXX I obtained the payment mailing address ( Discover XXXX XXXX XXXX XXXX XXXX CA XXXX ) through their automated telephone system. I was working with a Loan Specialist at XXXX XXXX XXXX XXXX to send a cashiers check for {$7800.00}, which was also provided through the phone. It was mailed out on XX/XX/XXXX with an expected delivery date of XX/XX/XXXX. ( USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). I spoke with an agent at Discover after it had arrived, and they stated the address is incorrect and hasn't been used since XXXX! They advised any mail sent to that address would be returned to the sender. My credit union was unable to cancel the check, and recommended I follow up with Discover. This meant I now had a payment due with my credit union AND Discover. 

The check was not returned until XX/XX/XXXX, and canceled by the credit union on XX/XX/XXXX. Discover stated they will honor the original pay off estimate if I send a new payment by XX/XX/XXXX, which could not happen until I first received the check.
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was trying to buy a car at XXXX and when they ran my credit to see if I qualified to finance through them, I was told that they could not approve me because there were one or more accounts in negative standing on my report. I looked through my credit report because I thought I didn't have any bad accounts on my credit but I saw about eight accounts on my credit report with negative payment history ; I wasn't aware of these accounts before today XX/XX/20 because none of them are mine. I didn't open any of those accounts and I did not allow anyone to open them in my name. I do not have any written or verbal contract with any of the companies I listed nor did I benefit anything from those accounts such as money, goods, services or anything else and I did not make payments towards those accounts. I have already filed a police report regarding these unauthorized accounts.
Consumer complaint received 2023-02-24
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. (TX)

Regardless of the multiple written requests, the inaccurate addresses listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the inaccurate addresses below in my file : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA believe they can do whatever they want. I'm fully aware that USAA has been knowingly and willingly violating my rights, their own policy and federal law with their unfair, deceptive, abusive practices or services. USAA have been in the news over the pass recent years of paying out big financial fines from OCC, CFPB, FinCEN ... its a pattern of racketeering activities of closing people checking accounts without proper notice and time to resolve the issues at hand. while speaking to multiple people in different department for the lack of being able to answer questions, concerns and more they didn't know their own policy of being 30 or 45 days for the account to be overdrawn before closing it. this adverse action is something that violates my customer rights and federal consumer protection laws. 

the checking account was closed on XX/XX/XXXX and found out on XX/XX/XXXX that was allegedly overdrawn for 30 days. I spoke with XXXX, XXXX and even escalated to the executive office where I spoke with XXXX. 

been a member since XXXX, and the alleged amount was {$3.00}.
Consumer complaint received 2023-02-24
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. (GA)

They pull my credit too many times without my knowledge, I want its deleted from my account, with had negative impact on my account and my life. I want this fix erase and deleted XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2023-02-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (VA)

As you can see below we made a payment of XXXX dollars on XX/XX/2023. The next day my " scheduled payment '' of XXXX cam out of my checking account after we made a manual payment the day before. In my opinion they should have either cancelled the scheduled payment or applied all but loan XXXX to principal and not interest. However that is not what happened. How can I pay XXXX dollars of interest for 30 days and then pay XXXX dollars of interest the next day for loan XXXX along with interest on all the other loans. I contacted XXXX by phone on XX/XX/XXXX at approximately XXXX EST, and the girl who took my call placed me on hold for 38 minutes and did not come back. 

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 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 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLIANT CREDIT UNION (CA)

I had a credit ending in XXXX on file with a doctors office. On my 5th visit, the doctor failed to show up at the location noted in the 5 appointment reminders I received prior to the appointment date. 

I was charged a {$150.00} " no show fee ''. 

The issue is that the previous appointments were all virtual via video conferencing. The reminders for this appointment also stated it was virtual. However, the doctor traveled to a different state and failed to update the notifications their office sent to me. They expected me to arrive in person at their location in CA despite not telling me. 

I forwarded copies of the reminders to my bank ( Alliant Credit Union ). Alliant 's third party reps who handle charge disputes have agreed that I should not be liable for this charge, but state that the billing agreement I signed with the Doctor 's office has tied their hands. The rep suggested I contact Alliant directly ( which is where I started ). 

To my knowledge, the agreement does not cover the doctor failing to show up to the appointment. 

Attached are copies of the email and text reminders, both stating it was a video appointment. 

Also attached, is the " visit summary '' with the address of where the doctor was. This wasn't provided until after the appointment time had passed. I called the office and the secretary stated that this doctor had this same issue with several other patients.
Consumer complaint received 2023-02-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Westlake Services, LLC (AZ)

I am writing this letter in regards to several negative accounts on my credit report. I have made numerous attempts to have these accounts removed, but to no avail. I am now writing this letter to officially request the removal of these negative accounts from my credit report. 

It has come to my attention that the information listed on these accounts is incorrect and does not accurately reflect my credit history. I have proof that these accounts do not belong to me and I demand that they be removed immediately. 

If these negative accounts are not removed from my credit report, I will have no choice but to file a lawsuit for misrepresentation. This would be a long and costly process for both parties involved, and I hope that it can be avoided. 

I kindly request your prompt attention to this matter. Please let me know what steps I need to take in order to have these negative accounts removed from my credit report as soon as possible. I am eager to resolve this issue and restore my good credit standing.