davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

These Inquiries and accounts are incorrect, since I do not recognize them, please investigate them and delete them Accounts : 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 2020-07-24
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. (GA)

I have advised Equifax on several occasions that I was never late on any of my open accounts in XX/XX/XXXX. I have provided proof that these accounts where not paid late. I have also advised that the accounts reporting in collections are not mine and may be a result of identity theft, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Equifax has failed to plea their case to who is providing them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (IL)

On or about XXXX/XXXX/23, I was sent an email by Discover Financial Services requiring me to have a waiver by obtaining a public notary for income information which included three months of a bank statement along with a waiver for me for some undisclosed IRS documents. I informed the rep at that time that I had no intent with complying with that request because it is my belief that it is unconstitutional that a private credit card company could make me do something that the IRS does not require. On or about XXXX/XXXX/23, I called Discover and I talked to XXXX. I asked XXXX why was I picked out for an income verification. XXXX could not explain why, and I asked to speak to a supervisor. XXXX, who identified herself as supervisor, come to the phone, and said the exact opposite of what XXXX has stated. XXXX stated emphatically that this was not an income verification, but rather an identity verification. I told her " I was not required by law to file a income tax statement that the Internal Revenue Service did not require me to file. '' In fact, the Social Security Administration says that I can use the figure they assign for all types of loans. I told her I was willing to provide this federal documentation. That I have a valid US passport, a valid Illinois driver 's license, and a valid Illinois state ID, and I would gladly provide that information if she would provide me a reasonable way to provide this. On or about XXXX/XXXX/23, I was told that this issue would be resolved. I was given specific dates. I was suppose to get a call XX/XX/23 before XXXX XXXX. I was supposed to receive a call on XX/XX/23 before XXXX XXXX  as well. I did not get a call. I talked to a XXXX XXXX, and I let him know that we were coming up on XXXX/XXXX/23, and I wasn't going to comply with signing an IRS document, getting a notary affidavit, or providing three months of notarized bank statements. I wanted to know what the internal process was of being to resolve this issue since it has been from XXXX to XX/XX/XXXX to resolve it. I informed Discover Card that I think this is discriminatory and arbitrary, and had no reasonable system for the consumer to resolve the issue with the credit card company. Moreover, if the problem was truly identity verification why were there no procedures in place for the consumer either by email, snail mail, or fax to provide the requisite identity information. I think this is an attempt by Discover Card and XXXX to either purge/interfere/or manipulate the customer 's of a rival, in this case XXXX.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX Dear Experian, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. 

The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX Amount : {$6200.00} Account Number : XXXX Party Owed : XXXXXXXX XXXX Amount : {$500.00} Account Number : XXXX Party Owed : XXXX Amount : {$2000.00} Account Number : XXXX I am disputing this claim due to. I received a copy of my credit report and I have found the following items listed below to be in error. 

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave You, Experian, any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1661 b. The Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices.

You, Experian, should be ashamed of yourself for ASSUMING this role and position to constantly conunit fraud and cause harm to consumers.

This is the official request to have the aforementioned item to be deleted off a credit report.

Enclosed may be additional evidence to support my claim Sincerely, By XXXX XXXX
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im writing seriously concerned about unauthorized hard inquiries recently appearing on my credit report. After reviewing my credit file, I noticed the following inquiries, which I did not authorize : Company : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company : XXXX Date of Inquiry : XX/XX/XXXX Company : XXXX Date of Inquiry : XX/XX/XXXX Company : XXXX Date of Inquiry : XX/XX/XXXX Company : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX deeply concerned because these inquiries was made without my consent, and Im worried about the impact this could have on my credit score. As a consumer, I understand my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information to Consumer Reporting Agencies ) and 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ), which allow me to dispute any information I believe to be inaccurate or incomplete.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Confirmation No. XXXX I am filing this complaint because Equifax has ignored my request to be provided with the documents that their company has on file that was used to verify the accounts I disputed. Being that it has been 60+ days, far beyond the 30 days permissible by law and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have made a request of them to investigate. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2019-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2019 I purchased ( 2 ) tickets in the amount of {$450.00} from a XXXX user. I sent the money through my bank, Wells Fargo using the pay app XXXX to user XXXX. The user sent me a confirmation screen shot of the payment to XXXX XXXX account number ending in XXXX. I was told the tickets would be in my XXXX account on Thursday XX/XX/2019. On the morning of the XX/XX/XXXX I was messaged from XXXX under phone number XXXX to let her know when the tickets were in my account. I waited all day and when I got home from work I began messaging XXXX to say they are not in my account. XXXX again said she was going to call the XXXX XXXX XXXX XXXX XXXX she then stated that nobody was answering the phone and that I could try calling. The time now was after XXXX XXXX and the ticket office was closed. XXXX stated that if they had not transferred by Friday XX/XX/XXXX to call her and that she would refund my money. I called the XXXX XXXX XXXX XXXX at XXXX on Friday XX/XX/XXXX to see if there were any tickets being transferred to my email of XXXX and the agent stated that there was nothing transferred or pending for that email account. I then reached out to XXXX again at XXXX via text and call and there was no response. I called my bank ( Wells Fargo ) that evening and was told that there was nothing they could do and to try to reach out to the seller. I emailed XXXX XXXX customer support to find out anything and to see if my money could be returned and that went without answer.
Consumer complaint received 2017-10-04
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. (VA)

I have XXXX accounts on my credit report with Equifax that are in collections status. It 's in reference to a worker 's compensation incident that happened while at work. The medical bills acquired while seeking necessary medical care were n't paid by worker 's compensation in time, thus going into collections and negatively affecting my credit. After contacting my employer 's HR department and Claims Adjusters in order to have the medical bills paid back in late-XXXX/early-XXXX, I just found XXXX days ago ( XXXX XXXX ) that my Equifax credit score dropped a whopping XXXX points due to the very same collections accounts that came back. I do n't know for sure if this is in regards to the data breach they 've recently succumbed to, but these accounts were billed to my employer and thus, should n't be on my credit report any longer, much less able to affect my score and come back to life again.
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Williams & Fudge, Inc (NJ)

XXXX  ago, in XXXX XXXX XXXX. A debt company had contacted me to collect debt from college that I had attended. This college was attempting to collect XXXX from me. I was orginally given XXXX scholarship grant for XXXX years of college. I was then told by financial aid that I owed XXXX for every semester and that only XXXX was used from grant. I ignored this as I was given scholarship so it did not make sense why I owed money where no in grant stated I would owe money after. The debt company and I made payment plan that would take my bank money for XXXX but instead, XXXX was taken out every XXXX weeks. I have not made payment and I decided to contact lawyer. This debt company as since called my workplace and I told them to ONLY directly contact me ONLY. The company has since called my job a total of XXXX times already. The man who is calling my job is named XXXX from William & Fudge Company.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is XXXX XXXX XXXX  and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2020-05-26
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: EQUIFAX, INC. (GA)

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE WERE ACCOUNTS AND INQUIRIES THAT DO NOT BELONG TO ME. THESE FRAUDULENT ACCOUNTS ARE CAUSING ME UNNECESSARY HARDSHIP. PLEASE INVESTIGATE THESE ACCOUNTS AND SEND ME AN UPDATED COPY.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (VA)

I was denied an apartment with XXXX XXXX Apartments ( XXXX XXXX ) on XX/XX/XXXX based on a decision from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX gathered their alleged information from Lexis Nexis.credit Bureau that the information pulled from was XXXX. On XX/XX/XXXX I placed a suppression and freeze on all Lexis Nexis files. 
Due to suppression/freeze placed on files this erroneous information should never have been reported which in part led to my application being denied.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am extremely frustrated with Tranunion 's handling of my disputes. I have been disputing these accounts for 283 days. Despite multiple attempts to resolve these issues, I have not received any investigation results or updates on the following accounts, and they have not been corrected : XXXX XXXX ( Account # XXXX ) This account is unverified. The payment history is incorrect, and no proof has been provided that I was ever late. Please update to NEVER LATE. 

XXXX ( Account # XXXX ) - This account is unverified along with several ways in the way it is reporting. This is not an open account and date of last activity is wrong. Please DELETE this account. 

XXXX XXXX ( Account # XXXX ) This debt has not been verified within the legal timeframe nor can this be an open account. Please DELETE this account. 

XXXX XXXX ( Account # XXXX ) - This debt has not been verified within the legal timeframe nor can this be an open account. Please DELETE this account. 

XXXX XXXX XXXX This is not my address. Please delete it from my report. 

XXXX XXXX This is not my legal name. Please delete it.
Consumer complaint received 2020-05-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020 I opened up an account with {$25.00} under my business name XXXX XXXX XXXX XXXX with Chase Bank online as local branches were not open to customers. On XX/XX/XXXX and XXXX I deposited {$2500.00} into my account for a total of {$5000.00} to cover business checks I wrote to cover contractors. On XX/XX/XXXX the contractors in which I wrote the checks too contacted me to tell me my checks bounced and they are getting returned check cost. I contacted Chase to why checks bounced and i was unable to access any of my accounts online. The Chase representative stated my account was restricted and being closed, When I asked why she told me she didn't know and by law doesnt have to tell me. I asked how to retrieve my money that I have deposited and owe my contractors, she directed me to banks that couldn't help me even after I explained the traveling expense involved. She told me that she spoke to the location and its all setup for me to withdraw my money, half way to the location i get a call from the location stating they cant help me that i need to go to another location. I did travel back across toll bridge to other location to receive to withdraw my money. When asked about reimbursement for my contractors bank fees i was told they cant do anything about that. My account was funded and had enough to cover my checks, i wasn't notified that my account was restricted until my contractors told me my checks didn't clear. I personally feel this was retaliation for submitting 2 CFPB complaints on Chase over the last few months. Consumer XXXX should not be allowed or tolerated.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OH)

i can not use the card to make any purchase. They say i cant use any kind of money transfer service. So even though im using XXXX to send money to a company or putting money on a prepaid phone plan its not allowed
Consumer complaint received 2024-01-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (NY)

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit account with your institution. After reviewing my recent credit report, I noticed that there have been recorded instances of late payments on my account. 
WELLS FARGO DEALER SVC XXXX I want to emphasize that these late payments were not due to negligence but rather a temporary challenge that I have since overcome. I kindly request your assistance in removing the late payment entries from my credit report. I believe that this adjustment would more accurately reflect my creditworthiness and commitment to meeting my financial obligations. 
I appreciate your consideration of my request. If needed, I am willing to provide any supporting documentation to validate the circumstances that led to the late payments. 
I kindly request that you investigate this matter and, if appropriate, take the necessary steps to have the late payment entries removed from my credit report.
Consumer complaint received 2020-05-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Coinbase, Inc. ()

Hello, I have not been able to access my Coinbase account holding my bitcoin/XXXX pounds held there. 
It will not me log in despite knowing full well my password & e.mail details are correct. 

Upon pressing OK a pop up tells me that my account has been locked and visit Coinbase.com to resolve I have done so, they create a case number when you submit whereby you have no choice to select their drop box reasons as to the problem which therefore isnt specific to find out by themselves as to why my account has actually been locked in the first place. 
Upon submission of managing to loosely tell them that my account wont let me in I received a confirmation with as mentioned above, a case no. from them and a brief answer that says that they are looking into it and say they will be getting in touch with myself within 72hrs. 
I have since sent a day later a query regarding support about changing my password as it does mention about changing a password too. 
When you try to do this, you dont get that option ... .You receive this below : - PASTED BY MUSELF : - Coinbase Account Recovery Complete the following steps to recover your account. 
INFORMATION ID VERIFICATION OVERVIEW We have received your account recovery request. After reviewing it, your account changes should be active within 48-72 hours. 


With absolutely no direct contact with this company that has MY money in, then I aswell as the majority of people, would be annoyed surely? They have my money which as it stands right now is theft! 
I have not been given any reassurance from this company other than the Pasted attachment above. The reviews I have read say that they have waited well over a month for issues exactly the same and similar ones and STILL have had no response despite contacting them over and over!