davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-28
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: Experian Information Solutions Inc. (NY)

I am submitting this complaint in regards to XXXX credit reporting agency. I just checked my XXXX credit report and noticed that there investigation was completed and the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts that were showing as deragatory were finally deleted off my XXXX credit report. ( I have been disputing these 2 accounts for months and finally it has been confirmed to remove them off my credit report because they did not belong reporting on there ). However XXXX is still reporting this wrong information. I have tried numerous times to contact XXXX and re-dispute these 2 accounts but keep getting transferred back and forth. I wrote into XXXX to dispute these accounts again but have heard nothing back. If XXXX was able to confirm to delete these 2 accounts that do not belong on my credit reports then why is XXXX  avoiding the complaint and just keep updating the information and reporting it. Having this wrong information reporting is affecting my credit score in a very negative way which in turn is affecting me in obtaining substantial credit.
Consumer complaint received 2017-12-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I 've been having issues with my XXXX. Coinbase had me start a new account in XXXX and I never got my BCH from the fork in my new account. I 've been trying to get a hold of support and they 've only sent out a blanket statement saying they are busy. 

Today, I try to log into my new account and it 's locked under XXXX again. I do n't have access to my XXXX XXXX app and I 'm stuck. No one is answering the phones and I 'm getting nervous about my money sitting in limbo.
Consumer complaint received 2017-04-07
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Credit Adjusters, LLC (SC)

I received a phone call from XXXX on a debt that they purchased that I had defaulted on. The man 's name was XXXX and he was threating to have me thrown in jail for e-signing a bad check to them, that if I did not give him my credit card information right now then they would contact the solicitors office in my county and have me put in jail for XXXX dollars a day until the debt was paid. I have never had any interaction with this company and they purchased the defaulted debt.
Consumer complaint received 2017-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MD)

I sent a wire of XXXX to my coinbase account and it was supposed to be credited within 1-2 business days. I am on the fourth business day and it 's still not credited. I followed the instructions fully.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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.

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 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.
Consumer complaint received 2017-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am filing a complaint against XXXXXXXX XXXX ( credit card ). I have sent a debt validation letter to the company on XX/XX/XXXX. I sent this letter due to the fact that I do not have an account with them nor have I applied. I received a letter back from them asking for a copy of credit report along with letter sent on XX/XX/XXXX ( almost 2months later ). I was a little confused on why they would need this info. I then began to file a dispute to the Credit bureaus on XX/XX/XXXX regarding the issue and copies of documents that show that items were properly verified. I then received a updated copy of report with out documents requested attached on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX from all credit bureaus. Today XX/XX/XXXX I received a letter from XXXX on stating there is no evidence of fraud and that they are no taking action at this time. I have not had an account with them since XX/XX/XXXX. Which that account was opened by a parent under my name since then I have not applied with them. Im also having the same issue with XXXX XXXX. I have never had a card with them and they never responded to my dept validation letter. I will like to have this issue Rectified ASAP.  Please help get this taken care of it is affecting my credit ability. I have been affected by the XXXX data breach and have placed a freeze on all credit reports until I am able to get all issues resolved.
Consumer complaint received 2017-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

i tried to deposit {$100.00} cash into my son 's bank of america account by going to a branch. 
i was told they would not accept cash because i did not personally have an account there. 
since when is cash not a viable option for our banking system to accept cash into account held at their bank. 
i have read that XXXX bank is also not allowing this. 

This seems like something that should not be allowed. The banks are in the best position to handle cash. The banks are in the best position to determine if the cash is real or not. 
If banks are allowed to set up business in the XXXX, they should be required to handle basic things like adding cash to a family member 's account.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (DE)

For multiple times in the past year, I have requested Equifax to remove reporting from an old XXXX XXXX XXXX XXXX account. It is well past 7 years of date of first delinquency. With the most recent request I submitted supporting documentation and they still did n't remove the account.
Consumer complaint received 2017-12-26
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. (LA)

this company is holding me personally responsible for a balance that was connected to a corporation as I was one of the XXXX for. under the fair credit act this should not be connected with my personal credit as it was the responsibility and used by several other employees at the company. have reached out to them to remove from credit and have received no response or removal off of credit report.
Consumer complaint received 2017-12-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (TX)

My wife and I are in the process of getting a home loan. The loan is in the final stages of being processed and then we just received notice that XXXX XXXX hit my report with 2 new collections. The account numbers are XXXX for {$60.00} and XXXX for {$1800.00}. We have several issues with this. # 1 is both of these collections were already disputes and deleted from all XXXX bureaus from XXXX XXXX XXXX recently. XXXX reported 2 collections, account numbers XXXX for {$18000.00} & XXXX for {$60.00}. The bureaus deleted these accounts within 30 days. Now a few months later XXXX some how gets a hold of this and reports it. I am assuming XXXX sold it to XXXX without telling them this was already removed from my report. # 2 problem is XXXX XXXX never sent us a 30 day " notice '' letter letter giving me a chance to contact them and let them know this was already removed from all XXXX bureaus just recently. 
Because we were not notified and this was posted on the report, we are now in jeopardy of not being able to close on the home loan. We are deeply upset and frustrated this has happened and would like you to PLEASE investigate this and remove it from our reports as we feel that XXXX illegally reported it and then once removed sold it to XXXX who never even notified us of the collection.
Consumer complaint received 2017-12-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC. (NC)

On the first few days of XXXX I decided to transfer my mortgage to Sun Trust Banking, and I started the procedure. I was advised that one,  XXXX XXXX XXXX, would be handling the new account for me. I made it clear that I would require that I maintain my own escrow, in the past I have met with many problems concerning the escrow. I was assured that I would continue to handle my own escrow. XXXX XXXX went on a XXXX vacation and told no one about what had transpired between him and I. I was told that XXXX XXXX would be handling the mortgage transfer, I was called by XXXX XXXX XXXX, XXXX XXXX XXXX, and none of the above people knew what XXXX XXXX was doing or had done!!! I got a call from XXXX XXXX {? } telling me that he would take over the account, I ca n't get a hold of him either. I spoke to a XXXX XXXX XXXX, he told me that he would handle the account and get to the bottom of this problem. I was promised that I would be able to handle my own escrow account, as I have in the past and I am at present. Now I am told that I may not be able to handle my own escrow, by law. I have had this problem of the escrow being handled terribly. I have had a total of six people trying to get this handled and so far, nothing. I am hoping XXXX XXXX XXXX can handle the problem and I turning to you to further expedite the process.
Consumer complaint received 2017-12-28
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. (UT)

I signed a Financial Disclosure For Reasonable And Affordable Rehabilitation Payments on my student loans with XXXX. XXXX XXXX XXXX, XXXX They based the monthly payment amount on my income. This has been being paid monthly since XXXX/XXXX/XXXX yet it is still showing as a collection that payments are not being made on with all 3 Credit Bureau 's. 
This is incorrect and needs to be fixed back to the date of XXXX/XXXX/XXXX immediately.
Consumer complaint received 2017-12-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC (GA)

On XXXX/XXXX/2015, I took out a loan from Rise Credit for {$5000.00} because I was faced with a financial hardship. That hardship included vehicle almost getting repossessed, hard time paying rent, and etc., because I did n't have any other outlet to borrow money from. Even though the money provided a temporary relief at that moment, I have been struggling to pay the loan. It seems like they know when I get into a difficulty because they would offer a refinance option which basically gives you the principal that is paid down from the amount borrowed. This option makes the situation worse because every time they offered it, I basically had to start over and to make matters worse, they do n't even try to lower the interest rate. In another desperate need for help, I reached out to them for a refinance and they told me that you only get three refinances and that they could n't do anything until the loan is paid in full.
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc. (FL)

A background check was requested by an employer. ( XXXX ). A person 's name ( XXXX XXXX ) appeared on this report as an alias and I have no knowledge of this name. I called to report the error to XXXX XXXX XXXX and they said they could not provide the source of this information and it was a common occurrence. I called again and said I have the right to file a dispute on this item. I was told no one was available in that dept and I could leave a message.I emailed them and received a response which did not address the concern. 
Back Ground Reporting Agency : XXXX XXXX XXXX XXXX. XXXX | E : XXXXXXXXXXXX XXXX Thank you XXXX XXXX
Consumer complaint received 2017-12-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (IL)

XX/XX/XXXX : Opened a BMO Harris checking account with the promo code " XXXX '' which included a {$200.00} opening bonus after completion of 2 direct depositions of {$300.00}. 

XX/XX/XXXX & XX/XX/XXXX : Direct deposit terms met. 

XX/XX/XXXX : Bonus was never received. Contacted BMO customer service via secure message to inquire.

XX/XX/XXXX : Final response from BMO stating they can not escalate the issue.
Consumer complaint received 2017-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (IL)

On XXXX XXXX I personally wrote a certified letter to Midwest Recovery Systems informing them that I have never signed a contract with them that would show that I owe the company any money. This company placed a collection 's debt of {$640.00} on my credit reports. I want this company off each of my credit reports. Midwest Recovery Systems has failed to supply proof that I ever had a contract with them. They have also failed to communicate with me about this debt.
Consumer complaint received 2017-08-10
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. (MI)

Last month discovered quite a few hard inquires on my report that I did not authorize. I reached out to the furnishers and I have collected responses. ( I previously filed a 90 day fraud alert ) To expedite matters O would like the credit reporting agencies to act on these items immediately. I have enclosed the letters referencing the dates and hard inquires.
Consumer complaint received 2017-12-26
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (KS)

Collection Company : Financial Asset Management Systems Inc. 
Website : XXXX Amount : XXXX Date on Notice : XXXX/XXXX/XXXX A company by the name of Financial Asset Management Systems Inc. has sent an order of wage withholding to my employer on a debt that is past the statute of limitations in the state where I reside and the state where the debt was originally incurred. 

I am a resident of Kansas which has a 3 year limit on how long a company can attempt to use legal means to collect a debt. The last payment made on this debt was in XXXX. 

I have informed the company in writing and over the phone of this and also informed them not to call my place of employment. 

They continued to call my place of employment and today I received the notice of wage withholding.
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently sent in a request to have some incorrect information removed from my credit report and it was sent back to me without any change, and as verified accurate. 
The CRA is inaccurately reporting information on my accounts. After doing some research on what my next move should be I was able to find some information that told me the " requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. '' I have disputed the following with the CRA and they returned it as verified, even though they are obviously inaccurate. I dispute these items in their entirety and request evidentiary documentation that substantiates the information they have furnished and its reporting. If the CRA determine any listed entry as " previously investigated '', I demand the full method of your verification including the employee name, company address, and phone number for each entity that furnished the erroneous data. 

XXXX .... 
This account is being reported open in XX/XX/XXXX, it was not, please fix or delete This account is being reported late, it was never late, please fix or delete This account is reporting as term of 56 months it was not, please fix or delete This account is reporting as credit limit of XXXX it was not, please fix or delete This account is reporting as a repossession, it was not, please fix or delete XXXX This account is being reported open in XX/XX/XXXX, it was not, please fix or delete This account is being reported late, it was never late, please fix or delete This account is reporting as term of 80 months it was not, please fix or delete This account is reporting as credit limit of XXXX it was not, please fix or delete This account is reporting as a repossession, it was not, please fix or delete XXXX XXXX XXXX This account is being reported open in XX/XX/XXXX, it was not, please fix or delete This account is being reported late, it was never late, please fix or delete This account is reporting a high balance of XXXX it was not, please fix or delete This account is reporting as credit limit of XXXX it was not, please fix or delete This account is reporting as a charge off, it was not, please fix or delete XXXX - XXXX This account is being reported open in XX/XX/XXXX, it was not, please fix or delete This account is being reported late, it was never late, please fix or delete This account is reporting a high balance of XXXX it was not, please fix or delete This account is reporting as credit limit of XXXX it was not, please fix or delete This account is reporting as a charge off, it was not, please fix or delete Should they not be able or willing to provide me with the substantiating documentation as verification to cure these violations, within the next 30 days. Then I will use the filing of this complaint and the associated answer to file suit seeking relief for the violations of the FRCA. XXXX, XX/XX/XXXX provides a cause of action for individuals against furnishers of information.
Consumer complaint received 2017-12-26
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. (FL)

XXXX XXXX, I disputed inaccuracies with the 3 Credit Bureaus, XXXX, XXXX, and Experian, asking for validation of debt, upon the XXXX day response limitation, the collection agency XXXX XXXX XXXX XXXX XXXX. sent a copy of my medical records, with a diagnosis of my injuries. I disputed with the 3 credit bureaus with a copy of the letter sent by the collection agency with a letter stating my HIPPA rights had been violated. The 3 credit bureaus did not respond. A letter dated XXXX XXXX, XXXX, was received of validation, from the collection agency XXXX and XXXX, XXXX. with another copy of my hospital visit with the diagnosis and also with the type of medication and dosage I was prescribed, and asking for a check.
Consumer complaint received 2017-03-03
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: NorthStar Settlement Services, LLC (NY)

NorthStar, called me twice asking for my sister. I dont know where she is, I have talked to her in years. I told the company twice that they need to stop calling my phone number. I even asked how they got my number and the man hung up on me. What kinda business these people are running? Is this even legal?
Consumer complaint received 2017-04-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY (VA)

The daughter ( XXXX ) of my former spouse took out an {$8000.00} student loan and was able to have me listed as a co-signer without my prior approval. Despite filing a report with the XXXX police department and being labeled as identity theft by them, Wells Fargo is refusing to release me as a co-signer on the loan. 
While my former spouse and I lived together while married, I did not grant her daughter the right to use me as a co-signer at any time. The bank has struggled to provide me with relevant information, and refuses to speak with me to understand the facts involved with this situation. I have spoken with Fraud department personnel, Executive team administrative assistants, and local branch employees, many of which agree that the bank should remove me as a co-signer. However, the fraud department contends that because the person initiating the loan did so with the same address as me at the time and that I had asked questions about a loan at one point, they will not remove me. A police detective that I recently spoke with told me that the mere fact that a former spouses daughter lived in my home at some point does not justify them from using my identity illegally. I would appreciate any and all help that your office can provide me in remedying this situation.