davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

reviewed my Consumer Reports and noticed that I had 1 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, 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 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX- Transunion continues to report a XXXX XXXX  Bankruptcy and is unwilling to provide the documentation used to validate the alleged bankruptcy. When contacting their contact center I was advised by a representative that they don't have the actual documentation to provide and the bankruptcy will remain on my file for 10 years
Consumer complaint received 2018-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NY)

I alerted Coinbase that a portion of my money was missing ( ~ {$4000.00} - I believe but hard to tell without access to balances ). They froze my account for months with no resolution. After 3 months they said they accidentally wired me too much money once and thats why the account was frozen. I asked for supporting balances and transactions to substantiate their claim. No response. Then one day a month later my account was unfrozen but money still missing. I withdrew remaining funds and decided to just accept that some of it was missing. A few weeks later I bought new coins and my account was restricted immediately after the purchase. Essentially I could buy but not sell or withdraw. I cant get my money out. Ive called support many times and emailed them and have been told thats telephone support cant help me but they will escalate. Its been escalated for 6 months now.
Consumer complaint received 2023-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (CA)

I XXXX from an XXXX XXXX XXXX on XX/XX/XXXX. When I XXXX I sent my corporate American Express card back to my employer. On XX/XX/XXXX I received a bill for a corporate American Express from my old employer and sent to an address I moved away from in XXXX ( I am still have contact with the current residents. ) I sent this documentation to my previous employer and was informed it would be taken care of. On XX/XX/XXXX I received a letter at my current address informing me that my corporate Amex had been canceled and referred to XXXX XXXX. This is very confusing because I have had an American Express account since XXXX and I still use the card everyday. I was never contacted by Amex regarding the delinquent corporate card. 

Now I am being harassed by a credit collection agency by mail and by phone daily.
Consumer complaint received 2023-06-15
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. (KS)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and am including it again. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 XXXX
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

I have reached out to all 3 consumer credit bureaus ( Equifax, XXXX, and XXXX ) on multiple occasions because of inaccurate information reporting on my reports. On XX/XX/2021 I sent a certified letter to each bureau asking them to remove the bankruptcy that they are reporting. They are in violation as they are showing different filings dates and incomplete names for the courts that they state the bankruptcy was filed in. Equifax even has the court listed as " Federal ''. 
My request went ignored and my reports did not have an " in dispute '' comment. I have also notified each of the 3 mentioned bureaus via a dispute on XXXX XXXX as a last attempt for them to remedy this.
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am having a major issue with bank Bank of America. ( The side that dealt with EDD ) Back in XXXX of XXXX I filed a fraud claim for funds that were stolen between XX/XX/XXXX - XX/XX/XXXX totaling over {$30000.00}. I became aware of this fraud in XXXX of XXXX. What took me so long to take notice of fraud due to me being hospitalized XXXX of XXXX due to a XXXX XXXX XXXX diagnosis. When my claim was filed I voluntarily did a release of information and provided proof of my diagnosis. In this release of information It contained other very very personal information such as treatment details etc. More importantly it reflected the dates and duration of my hospital stay. Those dates would show i was able to perform the transactions on the dates the fraud occurred. I want to state that my diagnosis and details surrounding it is a very sore subject but no the less i had those details were provided. My claim with Bank of America has been denied 4 times. For reasons such as Bank of America stating things that were not true. Bank of America that EDD hase listed as ineligible to receive those funds. I Contacted EDD they informed me that 1 that is not the case 2 there system does not reflect that. In short Bank of America and I have gone back and forth and other small discrepancies of due to their lack of communication. Waiting on these funds from this claim is making me experience an extreme hardship and I am at wits end please help.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I did not give anyone permission to put anything on my credit or to give out any information. 
XXXX XXXX Balance {$240.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Unknown Condition XXXX  Balance {$740.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Unknown Condition XXXX  Act. # XXXX Closed XXXX Opened {$200.00} Credit Limit {$150.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported XXXX XXXX # XXXX 60 Days Late XXXX Opened {$520.00} High Balance {$0.00} Balance Individual Account Installment Account XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Payment XXXX XXXX Balance {$240.00} XXXX XXXX : Not Available COLLECTIONS XXXX Act. # XXXX Opened N/A Reported Unknown XXXX Compare this account across all bureaus. 
Show Comparison Creditor XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX | ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Closed XXXX Opened {$520.00} High Balance {$0.00} Balance Individual Account Installment Account XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Payment XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed XXXX XXXX XXXX XXXX XXXX {$580.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed XXXX Compare this account across all bureaus. 
Show Comparison Creditor XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$1000.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed XXXX XXXX XXXX XXXX XXXX {$580.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed XXXX XXXXXXXX  Credit Act. # XXXX 90 Days Late XXXX Opened {$0.00} High Balance {$8200.00} Balance Individual Account Installment Account Type Closed Condition XXXX Date Reported {$0.00} XXXX Act. # XXXX 120 Days Late XXXX Opened {$200.00} Credit Limit {$150.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported {$0.00} Payment XXXX XXXX XXXX  Act. # XXXX 90 Days Late XXXX Opened {$0.00} High Balance {$0.00} Balance Individual Account Installment Account Type Closed Condition XXXX XXXX XXXX {$0.00} Payment XXXX XXXX XXXX XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance Dept Of Ed/XXXX Act. # XXXX Current XXXX Opened {$0.00} High Balance {$23000.00} Balance Dept Of Ed/XXXX  Act. # XXXX Current XXXX Opened {$0.00} High Balance {$1400.00} Balance XXXX XXXX XXXX XXXXXXXX Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$10000.00} Balance XXXX XXXX XXXX # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance
Consumer complaint received 2023-06-14
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX I went to XXXX hair salon located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX for the first time. I made an appointment for a XXXX XXXX retouch. The stylist did not use a barrier cream on my hairline, ears and neck. The stylist messed my hair line with XXXX XXXX, including over my ears and back of my neck. They tried to remove the excess XXXX off my skin at the shampoo bowl but was unsuccessful, they told me XXXX XXXX stains and it will come off within XXXX weeks. I was not happy being messed up all over my forehead, ears and back of my neck. I came home, called the store manger and asked for a full refund, she threatened me and said she was going to call the police as that is theft, I told her I was not happy with this service and this is a dispute. She was very rude to me. I then filed a XXXX review which contained pics of the XXXX XXXX  XXXX which shows areas that was messed. I also told her I paid for a professional service and it should have been done professionally. I filed a dispute with my credit card Capital One. They sent me a letter from the merchant stating that they would have corrected it within 7 days, however that was not offered to me and further more I did not need more XXXX on my skin, the stylist merely messed my XXXX retouch up with XXXX XXXX, I wasnt able to attend a birthday due to the XXXX stain over my ears, back of my neck and my hairline on my forehead. I have pictures as proof of my XXXX  XXXX mishap. I also have a copy of my XXXX XXXX to show I contacted the merchant on XX/XX/XXXX as well as Capital one customer service on XX/XX/XXXX but Capital One said I have to wait for the transaction to post to my account then only they can try and dispute it. The total charged is as {$95.00}, {$79.00} for XXXX XXXX  services, {$16.00} tip which I didnt think the stylist deserved for such an awful job of messing peoples skin up with XXXX XXXX  XXXX.
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (AZ)

On XX/XX/XXXX I received a text from SCHWAB Visa Debit card that my card was used in XXXX XXXX for {$1.00}. A minute later another text that my XXXX debit card was used for {$430.00}. and another text if I authorized this transaction Yes or No. I replied NO. Right away I called Schwab and reported these transactions. SCHWAB canceled my Debit Visa. 

I only had {$300.00} in my checking account, the fraudulent charge was for a larger amount and I noticed that SCHWAB transfer additional money to cover the charge from my brokerage account. 

On XX/XX/XXXX I called SCHWAB and asked if they are going to revert the charges. They said they are investigating the case and don't know. Depending on the investigation the decision will be made once the investigation is completed. 
In the meantime, I have no cash left in my checking and brokerage account. 

Why can they allow fraudulent charges to clean my account and not fund my account? I did not make these charges, The cards are in my possession and I clearly have not authorized the charge by promptly replying to Schwab 's text.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, 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. (GA)

This does not belong to me!

15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Since, XXXX, I've been having problems logging into my online Bank of America account via the app or XXXX. It seems I'm blocked from the app ( see images ) ; and online everything pops up in html format. 

So, I walked into the XXXX, FL branch and brought this issue up to XXXX. She is my witness that I had to uninstall my BOA app, download it again, use the Branch 's wifi. Initially, it wouldn't even work with the Bank 's " secure '' wifi ; and then it worked. 

Now it does not work again. It didn't work yesterday either, XXXX. Therefore, I'm submitting this complaint. Please have the Bank 's IT department fix this problem. I don't want think this is premeditatedly being done to me. I just want to believe it's a network glitch. Either way, please have this online problem fixed. Part of banking with BoA is having the ability to manage my account online ; and I am the real account holder. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2023-06-15
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)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
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. (VA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
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. (FL)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-14
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. (TX)

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.

The letters are stated with items and issues.

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 2023-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TransferWise Ltd (WY)

Hello! I opened my WISE Bank account during the past a few days and suddenly I find all the amount have more then XXXX dollar in my account withdrawn without interference from me through Using of a card Detail! Thant Not good, this is a robbery that happened by taking all my money from my account of wise Bank! and The Strangar is The Thief Have doing 35+ Transactions, In one same Time Happened in my account, And each Transaction took place at the One time and take {$50.00} dollar from each Transaction! My personal Data was hacked and my card was used without my knowledge! That's why I consider this a robbery that happened,! And I have lost confidence with wise Bank, I want Here Refund My all Money, and Start Investigation about this Case, I will share with the bdf file have all Transactions happened in my account bank name : Wise Bank Name Thief : Line Financial 1 Date taking My Payment : XX/XX/2023 at XXXXXXXX XXXX All the money that was stolen : XXXX Dollar There no taking any action by Wise Bank of my payment! I want Here Immediately Doing start investigation about that problem! and also Refund My all Money In my account as soon as possible Thank you
Consumer complaint received 2023-06-14
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.