davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-28
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. (NY)

i did submit a complaint to the CFPB abut a reporting issue, and bank responded '' Due to this error, all late charges assessed to the borrowers account have been waived and a correction was submitted to the credit repositories to reflect all payments have been " paid as agreed. '' We ask the borrower allow approximately 30 days for the update to be reflected on his credit report. '' and today, more then 50 days it still was not updated
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

XX/XX/21 received text from Coinbase that my password was changed ... when I checked the App I was locked out of my account. followed by emails stated that I had authorized a new device, which I didnt .. 
I opened Coinbase ticket : # XXXX XX/XX/21 Received email to reset password.. the system didnt let me log back in I opened Coinbase ticket # XXXX XX/XX/21 My XXXX XXXX  account was compromised and XXXX was withdrawn to fund my Coinbase account which I was locked out of. I contacted my bank to block any further withdrawal from this merchant. 
I opened Coinbase ticket # XXXX XX/XX/21 Revived an email from my bank ( XXXX XXXX ) stating my my XXXX withdrawal by Coinbase was returned due to insufficient funds. 

I AM UNABLE TO CONTACT A COINBASE REPRESENTATIVE TO SPEAK TO. I CAN OPEN HELPDESK TICKET. 
FRUSTRATED-ANGRY- VOilated -ROBBED OF XXXX US DOLLARS . 
I NEED MY MONEY REFUNDED BY COINBASE. 
THEY DID NOTHING TO PROTECT MY PRIVACY AND MONEY.
Consumer complaint received 2022-07-22
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Issue1 : I requested XXXX XXXX to close my account and refund money on XX/XX/2021. Account is neither closed nor I have received my monies. I call almost everyday and each time I was told that it would be resolved the next day which is never ending. Yesterday, I was told that the review would be completed this morning and I should have an answer but, when I called a few minutes ago, account is still under review and they were not able to provide a status. This account has been under review since XX/XX/2021 by these incompetent unprofessional firm. 

Issue 2 : I made a cash deposit and a check deposit at an ATM but my online account activities didn't show check deposit. I contacted XXXX XXXX, they said it could take up to 3 days to show up this deposit in my account but it still didn't show after 3 days so I contacted the check payer who moved funds from his account since we didn't know where the check was. On XX/XX/2021, XXXX XXXX blocked my online access. 

The amount I entered above is the approximate amount since I do not have access to the account to check balance.
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

I recently refinanced and in doing so, took out additional cash to pay off my credit cards. 

On XX/XX/2021, I mailed out payments to 12 different credit cards, using the mailing address on the statement and including the statement with the payment ( check was from title company ) All of the payments were applied to the various credit cards with the exception of Commenity Bank. I have 4 store credit cards through Commenity and although they all have different billing/mail addresses, they stated the payments must have gotten lost in the mail. 

On XX/XX/2021 I was required to make a minimum payment on my BJ 's Mastercard in the amount of {$160.00} ( even though I sent a check paying off the entire balance ). A finance charge of {$110.00} was added to my account on XX/XX/2021. 

When the payments were still not received on the 4 store credit cards on XX/XX/2021, the title company cancelled the checks and sent 4 new ones OVERNIGHT. They were sent to a specific address used for overnight payments and sent in 4 different XXXX  envelopes. On XX/XX/2021, 2 of the credit cards ( XXXX Florida and XXXX ), the payments were applied. the other 2 cards ( BJ 's Mastercard and XXXX XXXX ) were never applied. Commenity still claiming the checks were not received. All 4 payments were overnighted to the same address so if 2 were applied, the other 2 should have been as they were all received according to XXXX. 

On XX/XX/2021 the title company again canceled the checks for BJ 's and XXXX and resent 2 more checks, each paying off the card in it's entirety. They sent the payments OVERNIGHT and they were received on XX/XX/2021 at XXXX XXXX  according to XXXX. Commenity is still claiming they haven't received the payments. I am still incurring finance charges and minimum payments on these two cards and I'm at a loss as to what to do at this point. This appears to me to be deceptive practices on the part of the credit card company, especially since the 2 cards they claim to still not have the payments for are the highest balances with the highest finance charges and minimum payments.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX is reporting wrong information on my report. This debt has been on my credit since XXXX and it seems that every year they change the reported date to the year we are in. That is fraud. Also they are showing on all three credit Bureau as three different negative accounts that incorrect and since XXXX They are listed negative twice as XXXX and once as the collection agency that bought the debt. I have been reporting this to be corrected.
Consumer complaint received 2022-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

on XXXX XXXX i sent the CEO of XXXX  in derivatives in any names of ; statment of fact. demanding he/she provide verification under penalty of perjury. that by law he/she has the right report my XXXX information ; i give nor gave any Writen nor verbally permission to report on my behalf. the reporting is damaging me, mentally and physically. if the matter is not correct within 30 calendar days. i will process with the matter in a district court in front a jury not a jury trail. am stating on the record and let the record reflected am the consumer, living breathing man, administrator, beneficiary and executive of name and estate. i have reason to believe and do so great faith.
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TX)

I used my Chase Sapphire card for travel expenses for a trip XXXX XXXX XXXX XXXX XXXX for a camp for my son. 

After leaving for the trip, where I was driving my personal vehicle, the camp was cancelled due to Tropical Storm Beryl that was anticipated along the XXXX XXXX. I stayed with family in XXXX as I was already almost to the destination. I called my card and the hotel, and was told they couldn't alter my stay as it was prepaid/non refundable, I was instructed to file a claim with travel benefits for reimbursement. 
I was unable to get to my hotel due to evacuation orders for the XXXXXXXX XXXX and the camp was cancelled for XXXX XXXX due to storm. Storm progressed to Hurricane Beryl and arrived to XXXX XXXX area XXXX midday. XXXX lost power, which wasn't restored until XXXX evening XX/XX/XXXX. We stayed in our hotel, XXXX XXXX XXXX partially able to use the prepaid travel XXXX of the XXXX nights paid. My son was able to attend the camp XXXX XXXX XXXX XXXX XXXX  of the time paid. No refunds were given, and they offered a credit for future camps next summer. 

Filed my claim XX/XX/XXXX with the third party provider XXXX  aka XXXX XXXX. First response was XXXX for additional documents which were also sent XXXX. Followed up XX/XX/XXXX. It's now been XXXX since the claim was submitted and not processed.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-10-23
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. (NV)

I received a copy of my credit report after getting a call from a creditor I have never done business with before. After getting my reports from all three bureaus I realized there was multiple accounts and personal info on my report that do no belong to me. I filed a police report and an identity theft report and I also disputed it with all credit bureaus. They have not been removed still.
Consumer complaint received 2022-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc. (GA)

I have filed a CFPB complaint about this financial institution multiple times. GM Financial stated they sent me a written notice of sale before selling the vehicle. GM Financial stated that my mail box was undeliverable ; however, consumer has received every correspondence by GM Financial concerning this alleged debt EXCEPT what I am requesting which is the notice. In addition GM Financial sold this debt and their debt collectors send correspondences to the address on file of this alleged debt. GM Financial is to provide to consumer a copy of the notice that was sent to address on record. I am demanding GM Financial to provide the Certified Return Mail Receipt in this complaint. I have record to indicate that CRMR to me in which is invalid. 

After further review of contract of this alleged debt, the consumer credit contract failed to contain the HOLDER IN DUE COURSE in at least ten point, bold face which made the contract unclear and inconspicuously. 

On XXXX, I made an uninformed decision when I entered a consumer credit transaction with your financial institution. I made an uninformed decision when I entered into an agreement without knowing the meaningful disclosure of the credit terms. According to Blacks Law Dictionary ( 8th ed. 2004 ), an agreement is a mutual understanding between two or more persons about their relative rights and duties regarding past or future performances ; a manifestation of mutual assent by two or more persons. As a result, I had no say or decision in the terms of the agreement. I was giving a generic computerized agreement that is given to all consumers, who enters a credit transaction, without clear and conspicuously terms of the agreement. The only evidence of debt is by agreement but because of an uninformed decision this debt becomes null and void. The consumer did not receive a printed adequate notice. The adequate notice was to give me the pertinent facts clearly and conspicuously, so that I had noticed it and understood its meaning. Your financial institution had the choice of printing the notice or had given to me on each periodic statement, or by other means to assure I was in receipt thereof the notice. Your financial institution failed to provide pertinent notices. 

As a result of fraud and deception of this onsided agreement, your institution will update my account as paid in full and remove any derogatory remarks. 

Your financial institution will be held criminally liable according 15 USC 1611 for willful and knowing violating me as a consumer. Your financial institution will send me a cashier check for {$5000.00} or imprisoned not more than one year, or both the choice is yours.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Driveway Finance Corporation (WA)

I was recently able to locate a defaulted debt on my credit reports that was originally with XXXX XXXX, but is now with Driveway Financial. As soon as I found out there was a balance on this debt, I started issuing {XXXX} payments to Driveway Financial in good faith, however, I feel this account should have Charged off on or around XX/XX/2017, or after 120 days of delinquency, the account should have been status-ed as Charged-off. Instead Driveway Financial has been reporting 180-day lates for several years. In order for me to continue to make these payments in good faith, I demand that Driveway update the 24-month delinquency history to reflect the accounts status as charged-off in beginning in XX/XX/2017.
Consumer complaint received 2020-10-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX DEPT OF EDUCATION/XXXX
Consumer complaint received 2021-04-28
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have two of the SAME accounts from capital one bank in my credit report. Both accounts has different dates that they were open. I notify the ( source ) Capital One about my observation on XX/XX/2021. The company Capital One indicated this duplicate SAME account on my experience report was not there doing and should be disputed with the credit bureau. Therefore, I disputed the inaccurate same account to XXXX same day. ON XX/XX/2021 I RECEIVED THE RESULT OF MY DISPUTE WAS COMPLETED. I LOOKED INTO MY XXXX  ACCOUNT ; nothing has been resolved about the dispute. So, I concluded that the duplicate account from CAPITAL ONE bank with inaccurate DATE & false information is a FRAUDULENT ACCOUNT! I called XXXX  and let them know of my findings since my first dispute on this matter was completely & not resolved. As of right now this the status of the same dispute of the duplicate account from CAPITAL ONE has been reinstated as a fraudulent account.
Consumer complaint received 2022-07-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-02-05
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. (TN)

TransUnion is not complying with their own policies in a timely manner. I have sent a 609 letter and a letter demanding that they comply to remove erroneous accounts on my report. It has been 30 days and no response or notification of a pending investigation.
Consumer complaint received 2021-04-28
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: EQUIFAX, INC. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

All accounts must be verifiable that are on your credit report. I have reached out to XXXX on multiple occasions to get information on a Bankruptcy that XXXX, Experian and XXXX  are reporting on my credit report which is completely inaccurate. 

XX/XX/XXXX and on XX/XX/XXXX I got a letter from XXXX stating they are unable to find a file that matches my information. So why is this Bankruptcy still on my credit report? How is XXXX, Experian and XXXX  verifying this information? 

On XX/XX/XXXX I again asked for a file from XXXX and still have gotten no response. Along with a letter that was sent to them on XX/XX/XXXX. 

Per the FCRA resellers reporting information must provide the information and the source of the information within 5 days of getting the dispute and provide all information within 20 days. 

As well as the Credit reporting companies are required to send notice to XXXX where they will be required to notify me and add the notice of dispute. 

My assumption is that the Credit Reporting agencies have not sent a notice of dispute to even begin the investigation. 

All attachments of the letters responses will be attached in this complaint along with a copy of my Drivers License and W2 form that provides all the verifying information needed XXXX  results were incomplete and missing on XX/XX/XXXX XXXX  results shows the date it was updated was XX/XX/XXXX so how was this account ever reinvestigated with a date of updated in XXXX Experian results just show it remains and is updated but the last update was on XX/XX/XXXX so how was this investigated and updated in XXXX. If XXXX Certified this information is correct then where is the copy to be sent to me?
Consumer complaint received 2020-10-23
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: Southwest Recovery Services, Inc. (TX)

I mailed in an item to XXXX  and they recorded the delivery by entering the information into their system with my name misspelled. They did not investigate the matter or abide by the FCRA regulations and provide a response within 30 days. I have called them about this and they claim that they investigated the matter but they never mailed me anything to prove this.
Consumer complaint received 2022-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX, XXXX  Account # XXXX, 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.