davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (IL)

In XX/XX/XXXX I received an XXXX credit montoring alert that my credit report had changed. When I checked my report It showed a new collections account from a company called Transworld systems Inc. I gave them a call at the number listed to see what the debt was. On my call they told me the debt was from XXXX, a utility company ( account # XXXX ), and that they would send me a debt verification letter which I did recieve, account # XXXX. The letter was dated XX/XX/XXXX and looks like the debt was a final electric bill from a residence I live at more than 6 years ago. When I explained to them that I never received notification of this debt from either XXXX or XXXX. The representative stated that they and XXXX mailed notices in XX/XX/XXXX to the address listed on the utility account, XXXX XXXX XXXX XXXX XXXX. It should be noted that I hadn't lived at that address for more than 3 years as the utilities billing for that address stopped on XX/XX/XXXX per the debt verification letter they mailed, which Ive included. I lived at the address for 1 year only from the date of XX/XX/XXXX-XX/XX/XXXX verified by calling the leasing company. Unfortunately they do not keep lease copies that long so I was unable to obtain a copy. I asked why they would send notice to a place they new I had moved from and they could not give me an answer. It should also be noted that mail forwarding through the USPS only lasts one year, not 3. Id also like to note that I have had the same phone number since XXXX and never received a call from XXXX or XXXX. I called XXXX and offered to pay the debt in exchange for the collections removal from my credit as the collections notice from XXXX was the only notice of the debt I was given to which the representative responded with " no. '' My issue is had I not received a credit monitoring alert I would still have no idea I had this debt in collections. I've included copies of my federal tax returns from XXXX -XX/XX/XXXX showing I did not live at the address they claim to have mailed the notice to in XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-06-10
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (FL)

I have tried contacting Hyundai Motor Finance multiple times to inquire about lease termination or lowering monthly payments due to financial hardship, and I have not been able to speak with anyone regarding this matter. Each time I call I speak with someone who informs me they need to transfer me to a different department. While I'm on hold for the transfer the phone call hangs up about 2-3. When I am given a direct line to call for the lease termination department, it just brings me to Hyundai Motor Finance 's main number. This is very frustrating because we need to address our account but can't seem to contact the people to help us.
Consumer complaint received 2019-06-11
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: JPMORGAN CHASE & CO. (TX)

I made a purchase online for {$710.00} on XX/XX/2019. The purchase was made to an individual through XXXX and Chase banking apps. Before the transaction went through I realized the individual was a fraud and called my bank to cancel the still pending transaction. XXXX stated they could not do anything but Chase could reverse the pending payment. I contacted Chase whom refused to do anything at all and would not allow me to make a dispute claim either. I contacted the individual and asked for a refund and they deleted their account and disappeared. I was able to find their true identity and they made all of their social media private therefore I can not contact them. I have since repeatedly securely messaged Chase bank regarding the issue with proof of the fraudulent transaction through the messages during the transaction. I have not received a response.
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MA)

There is a public record on my credit file that does not belong to me, My name is XXXX XXXX not XXXX XXXX, and that public record has another persons name on it. I want the data furnisher which is not the court, to explain to me why is this public record on my credit file and where did they get it from. My credit file says that the company providing the bureaus with this public record information is called Lexis Nexis. I dont know who this company is and I dont know how this public record was put on my credit file. The FCRA states that a consumers credit file need to be 100 % correct without any errors. I want Lexis Nexis to delete the public record immediately.
Consumer complaint received 2022-04-06
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 ()

My PayPal account was block on XX/XX/2020, XXXX XXXX and after blocking I was told I will be able to transfer my funds from the account after 180 days. Its more than a year now Ive not been able to transfer my funds. I have {$310.00} in my account, Ive lodged complains on my PayPal account but still not getting solution.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, On XX/XX/2023 Transunion reported that my account with XXXX was 30 days late and as a result it has tanked my credit score considerably and some other creditors are now lowering or closing my other credit account. This is also messing with my utilization. 

I have disputed this information with Transunion ( which has now spread to the other bureaus XXXX and XXXX ) 6 different times and even confirmed with XXXX and provided documents to Transunion from XXXX and letters that both My husband ( who is a joint owner on the XXXX account ) and I have written and submitted. 

Even after XXXX has confirmed and stated they have no late payments in their system and not sure why Transunion has reported this it is still incorrect and my credit score has not been updated to reflect this correction which is effecting my ability to make any large purchase at this time. 

It seems Transunion is the credit bureau that is mostly inaccurate and doesn't correct errors promptly. 

Below are all of the disputes I have submitted with Transunion and adding another one today : Date Submitted Date Completed XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023
Consumer complaint received 2019-01-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, {$7100.00} was fraudulently withdrawn from both my checking and savings accounts ( Bank of America ) in four separate transactions. {$1100.00} was withdrawn from my checking account, and three separate withdrawals of {$2000.00} each were withdrawn from my savings account. When I checked my mobile banking account the next day on XX/XX/XXXX, I had noticed this change and immediately submitted two claims, one for each account. I was told that these claims would take up to 60 business days to review.

Since then, as of XX/XX/XXXX, both claims have now been past their 60 business day limit, and throughout this entire time I would call once or twice a week to see if they had any updates. I am shocked to see how someone could fraudulently withdraw {$7100.00} from my account and not have any alerts go off. I have also filed a police report and added it to the claims, but no further updates have been received on my end. I was told that they would have the results of the review for me, but it has been radio silence on Bank of America 's end. This has been extremely frustrating for me, as they are taking so long to review my claims and I am short {$7100.00} dollars.
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Equifax is intentionally reporting unverified and inaccurate account information from XXXX XXXX account. Account has been deleted from two other credit reporting agencies. Have sent to Equifax XXXX XXXX 2019, 4 letters with USPS certified delivery to the company and the company refuses to respond to any letters sent to validate the account.
Consumer complaint received 2019-06-11
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. (OH)

I have reached out to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX for 7 months and I have included the letters along with my credit report that this items do not belong to me I have asked for proof of why they believe these debts are owed to me which I have never had these items they have failed to submit the information to me as well as to remove the items from my credit report. they never provided the items in the letters I submitted and that is against the law it has been over 7 months and I have submitted 8 letters
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

Attempting to apply for a credit card. 

Called XXXX and requested a temporary lift of the freeze. Gave them personal info and pin #. They complied in less than 5 minutes.

But when I called Equifax, after 20 minutes of giving the person a lot of info no one else could have, and our Equifax freeze pin #, the person said that I still had to fax or mail copies of 3 pieces of identification to them before they would lift the freeze temporarily. 

I suspect something is wrong. Is this person trying to use my info to get credit or sell my info to someone to use during the lifted freeze period? 

It certainly is suspicious for the credit bureau to request from customers such a difficult and lengthy process just to temporarily lift a credit freeze. Especially when I gave XXXX at Equifax more personal info than XXXX needed, to verify my identity that no one could know besides me.
Consumer complaint received 2021-04-29
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 account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX
Consumer complaint received 2024-10-25
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. (AL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2019-06-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Back on XXXX XXXX 2019, several transfers were instructed from my Coinbase account, in the total amount of BTC XXXX ( EURO XXXX ) to a scam Binary Option /  XXXX / XXXX XXXX dealer XXXX. 
They did not invest my money, but only stole it. I submitted a recall dispute to Coinbase on approximately XXXX XXXX 2019. Coinbase replied with their final response on XXXX XXXX 2019. They confirmed that the merchant is a scam and noted that Coinbase added to their blacklist the relevant address so that no further Coinbase users can be scammed in the same way going forward and yet they declined my recall on grounds that it is impossible for them to reverse payments that made with cryptocurrency. I wanted to reply on their letter and try to explain that no services, investment or good were giving me in return to those payments. but Coinbase sends another email to me three days after, saying that the case has been closed. 
Im aware that I can refer my claim to XXXX ( XXXX XXXX  XXXX ) in case I am not satisfied with the resolution of my complaint 's outcome, As I know Coinbase is registered in the USA, I would like your assistance in resolving my issue. 
When I authorized the payments by my account, I did not know that the merchant is a scam, I discovered it later on. I asked Coinbase to take the responsibility and asked for a recall because no services or investments were supplied by the scam merchant. 
XXXX is an illegal scam operator. 
What is egregious is that I have found out that there were numerous warnings issued by scam broker investigators, and other regulators, warning against allowing the instruction of payments to this particular merchant : XXXX. How is it that Coin Base approved the transaction in the first place and didn't protect me, as their customer? 
I've attached a statement of the full course of events along with other relevant documents.
Consumer complaint received 2022-11-26
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. (IL)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Consumer complaint received 2023-06-12
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: COAST PROFESSIONAL INC (MI)

My student loan has been dischargXXXX due to the Borrower Defense law set in place by President Biden. And Today I received a refund of money which is great, however, The Department of education still didnt pay me my full reimbursement back. The total they owe me is {$14000.00} dollars and cents. And Im looking forward to a full pay out immediately.

If refused, COAST Professional , Inc. as well as the U.S. Department of Education will be in violation of 15 USC section 1611- criminal liability for willful knowing of violations. ( Faults and misleading denial of my own credit ). 18 USC Section 1001- falsified information. 18 USC Section 241- conspiracy against rights.

12 CFR section 226.13- Billing error resolution.27 15 USC Section 1692j- false and deceptive forms.
Consumer complaint received 2024-11-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (NC)

Whenever I get paid, I will transfer my check to my savings account, and I will transfer funds I need them, and I will see where the amounts change. They will go back and take that same amount over drafting my account. I said something to them about them double charging me twice, and they will say something about having the over-draft fee protection coming from savings account. It never made sense I said something twice.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

There is an account being reported inaccurately by the credit bureaus and I would appreciate if it was removed immediately. This account that is attached to this complaint is 100 percent reporting inaccurately. My name is XXXX XXXX XXXX and this is not a third party filing this.
Consumer complaint received 2019-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX i called bank of America customer service number to ask for my account number because i was on my way to file my XXXX taxes. After weeks went on i noticed i didn't get my money back. I called the IRS and they said the money was deposited in the account. The number the guy on the phone gave me was the wrong account number. I went to bank of America and they send me to the IRS and the IRS sent me back to bank of America, this back and forth went on for months. During the time i found out i was expecting a baby. The IRS told me that its bank of america 's duty to inform the account holder that the wrong amount of funds was deposited to he or she's account but bank of america said they cant say anything. I looked into hiring a lawyer but the lawyer said their fee would cost more than the amount of money i was trying to get back. Needless to say i lost my whole tax refund that year all XXXX dollars. The bank of america rep that i spoke to said i could've never got the number from one of their workers. This situation took a lot out of me at the time emotionally and physically. They were inconsiderate and lack empathy. I have never had my tax refund direct deposited since because of fear that this might happen again. I would appreciate any help or information that you guys can offer on this matter. 
Thank You
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION ON FILE. 

PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX THE FOLLOWING INFORMATION LISTED NEEDS TO BE UPDATED ON MY FILE IMMEDIATELY.
Consumer complaint received 2023-06-12
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. (TX)

fcra and ftc violations, 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you. 
XXXX XXXX XXXX XXXX account # XXXX {$6600.00} XXXX  XXXX XXXX {$5800.00} XXXX XXXX XXXX {$3200.00}
Consumer complaint received 2024-10-25
Product: Credit reporting 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. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"