davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
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: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (FL)

The " credit reporting agency '' Experian has repeatedly recommended " credit cards '' to me. cards they are in partnership with and/or being paid to promote on their website. The card offers come via experien with the recommendation that these cards ( for example XXXX XXXX XXXX will " improve your credit score. '' I being a consumer trying to do everything I can to get my credit higher I believe experian. So I get the XXXX  credit card. But I quickly realize upon logging in to XXXX that their prices are tremendously inflated. I realize this card has extremely predatory marketing practices. Shipping rates are insanely high but if you purchase $ 200+ there is no shipping cost. Which is basically a technique used t get people in more debt. Then after not using the card I got an email stating my XXXX account would be shut down if I didn't use my account by XX/XX/2021. KNOWING that a closed credit account will make my credit bad I the consumer feel pressured to now buy something that is insanely inflated just TO KEEP THEM FROM MAKING MY CREDIT BAD by closing my account! this is the very definition of fraud of predatory techniques. So in effort to save my credit I but the cheapest thing I can a set of 6 wash clothes which state {$30.00} INSANE. Then by the time I check out it's now another {$20.00} in taxes and shipping. I am literally being forced to pay {$50.00} for six wash clothes to keep them from denting my credit score!!! How could experian suggest this card to me? When checking out they say there is an error and I should rather call their customer service to check on on the phone. I am at work during the hours they are open. I don't have time for calling customer service waiting on hold. This is the biggest scam. The fact that Experian suggested the card to me lets me know that Experian is somehow benefitting from these scrupulous card companies. How could this be legal? Oh! that's right because our politicians are in bed with the predatory credit card companies which make it legal. I understand this is a government agency and you can't really go after these companies because what they are doing is legal ( thanks to our politicians ).
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Charged me on a small expense account checking account. over {$1700.00} in OD fees. Charged me ridiculous charges + $ XXXX daily for XXXX consecutive days during a time where I was hospitalized.
Consumer complaint received 2021-03-22
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: WELLS FARGO & COMPANY (MA)

The Wells Fargo credit card is a card that the company where I work ( XXXX XXXX XXXX gave me to pay my expenses related to the work I do, such as travel expenses, meals, gasoline, etc. However, when reviewing my expenses made in XX/XX/2019, I realized that XXXX expenses appeared that I did not make or authorize a purchase. later, for the month of XXXX of the same year, XXXX unauthorized expenses appeared, giving a total of {$6800.00} USD divided into XXXX unidentified expenses. I reported these expenses directly with the Wells Fargo Bank, they told me that this claim could not proceed since I still have the credit card in my possession and therefore the expenses do not proceed for review and return, later I did a second report with the same result. XXXX proceeded to directly request the revision of this problem again by means of a letter sent to the bank, the answer is that the investigation does not proceed. They can not verify that I did not make these expenses, but neither do they verify that I make them, when making a purchase in Mexico with a credit card, you have to sign the ticket where you authorize a purchase, however I request that the bank will do a double check who made these purchases in establishments and check who misused the card.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX is attempting to collect on an INVALID debt. 

I have received these documents from my insurance. I have scanned them and attached here. 

2 files from XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$17.00} and {$42.00}. They are highlighted in yellow. 

3rd file is an old statement sent to me by XXXX. If you look in that XXXX  file dollar amounts in yellow, they match with what my insurance paid to the XXXX XXXX XXXX XXXX XXXX. 

Actually, my insurance paid more than that if you read their 2 statements. 

So I don't owe them anything and I never did. 
It's all XXXX XXXX XXXX XXXX XXXX ', XXXX  insurance company and credit collector XXXX XXXX fault. 

I have also attatched a screenshot of the tradeline from my credit reports.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2024 Dear CFPB, Subject : Inaccurate Late Payment Reporting for Account with XXXX XXXX I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for account # XXXX with XXXX  XXXX. These reported late payments are erroneous and do not accurately reflect my payment history, as I have consistently made timely payments through autopay. 

Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report is incorrect. My account was fully paid on time, and I was enrolled in autopay for consistent, timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting of late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness and payment history.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information in consumer files.

Additionally, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions allow for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Act 's requirements. 

Summary of Errors on Account The XXXX XXXX  account shows discrepancies across bureaus, including incorrect XXXX late payments in XXXX for TransUnion, XXXX and XXXX, XXXX on-time payments. High balance varies, with {$300.00} reported by TransUnion and XXXX, but {$500.00} by XXXX. Dates of " Last Activity '' and " Reported '' also differ, and XXXX lists the account as " closed by credit grantor, '' while others show it as " paid. '' These errors misrepresent the accounts history and status. 

Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payment notation from my credit report. All entries should be updated to reflect my accurate payment history of 100 % on-time payments. 

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my consumer rights. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

Coinbase locked me out of my account. I have {$280.00} of my own money stuck in the account. They have restricted my account and have not allowed me to make or withdraw payments to the account. I have tried contacting the merchant many times without any success at all. Bots are used by Coinbase to relay the same script. There are no customer service representatives to speak to. This issue has happened to thousands of Americans with much higher currency lost/restricted on Coinbase.! Payment Required issue, after many attempts of making such payments with well funded accounts from my financial instututions and denied I have had more than enough with dealing with this. Please investigate and escalate to maximum attention by US federal government regulations. Please remove Coinbase from United States grounds. If need be, FBI investigations for Coinbase please. I regret to ever conduct business with such entity, Coinbase. Feel free to use this or my information to escalate dispute. I can provide all statements of transactions from my financial institution which are attached below of timeframe of such event.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

They suspended my account for logging in from another phone number. Then when I called they told me to send my information I did that. They emailed the wrong email address three times. I had to call the customer service number in order to see what they replied back. The representative stated that they emails only where my information got sent from or the email that is on file. Which that was incorrect because they emailed a totally different email. Then they keep saying there is nothing they can do I have to contact the support team. They have not emailed me anything when I ask questions and email from a different email they stop replying when I say it's me. They keep saying I have to wait for my account to get unsuspend. It has been 2 weeks and 4 days and my account still isn't unlocked.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have these inquiries on my credit report that I did not authorize I believe it to be fraudulent TransUnion XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX-XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2024-09-02
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. (VA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions
Consumer complaint received 2021-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: 3rd Generation, Inc. (CA)

I purchased a vehicle from the used car dealership, XX/XX/XXXX ( XXXX, CA XXXX ) in about XXXX of 2020. I purchased the car for {$12000.00} from the dealership and put down {$2000.00} cash for deposit. I then financed the vehicle through California Auto Finance. During this time the covid crisis had gotten worse and financially I was looking for help with the finance company and asked to defer a payment. They no longer allowed defered payments! I was late on a few payments but then settled up after all was said and done. I logged onto their website and noticed my original loan was for {$12000.00}. However, in a months time my balance had jumped from XXXX to {$16000.00}. They claimed it was from late fee 's ( XXXX ) and those late fee 's accumlate interest. Apparently to the upwards of XXXX XXXX XX/XX/XXXX? Something is majorly wrong and none of them can even explain this math logically to me. I noticed onXX/XX/XXXX website and XX/XX/XXXX that there are tons of reviews of this company doing fradulent work. I have tried to resolve this issue with many of their employees as well as I have tried to reach out to their CEO on XXXX to try and resolve this. SOMETHING IS MAJORLY WRONG HERE! I'm literally being strong armed by this company!!!!!!!!!!!!!!!
Consumer complaint received 2024-09-02
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. (AR)

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. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2024-09-02
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. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I opened a XXXX XXXX XXXX plan in XX/XX/2020 for XXXX children on USAA without knowing that they were in the process to switch to XXXXXX/XX/XXXX In XXXX I called USAA service department to increase my contribution from {$50.00} to {$120.00} on both accounts. The person I spoke to, told me that she could not doing, I have to do it on the XXXXXX/XX/XXXX website. In the meantime I need to put a stop payment on the current amount and go do it on the XXXX XX/XX/XXXXsite. instead of putting a stop payment she put a block which did not allow them to further withdraw money from my account. 
In XXXX I went to victory capital and set up a recurring payment on their website. Not knowing about the block XXXX XXXX charged my account {$50.00} in fees because of USAA rejected it. I called XX/XX/XXXXXX/XX/XXXX four more times in two months to help me set up the recurring transaction. Each of those times USAA blocked them and charged me {$200.00} for a total of $XX/XX/XXXX.When I finally realized about the all the fees, I spoke to a supervisor at XX/XX/XXXX. He told me that was USAA mistakes, they will not refund me the fees. I called USAA, they agreed that was their mistakes and they can only refund me {$100.00}. I told them I will not accept it because that was their mistakes. They pretty much told me. " Take it or leave it ''
Consumer complaint received 2024-09-02
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. (DE)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On XX/XX/2020 I sent my son some money for my grand kids. I used my cash app to send the money. The amount was {$140.00}. My son said he misplaced his password and tried to get help from the Cash App Support team. My son followed the directions sent by the support team but still was unable receive the funds. After haggling with the support team many times their was one gentlemen who said they were not authorized to return the funds to me because the funds were stuck out there in virtual space. I was upset that a company like Square Inc. who owns the cash app service did my son and I a disservice. The company does not even have a phone set up to talk with some one. You have to email back and forth. Now XXXX XXXX the XXXX of Square Inc is worth {$12.00} XXXX dollars and you mean to tell me that I can't call anyone to rectify the problem when you handle money transfers daily and I can't get my {$140.00} back because my son misplaced his password? Something is wrong with this picture. So, I did some investigating and I have seen other Cash App Users have had problems with the App. I will attach a communication between myself and the Cash App Support team.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo failed to resolve my online banking password reset request for more than a month. I had the following Wells Fargo case numbers on dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX : XXXX XXXX XXXX Wells Fargo failed to resolve my case on time and caused great harm to its customers.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, Equifax and XXXX immediately. 

XXXX XXXX XXXXXX/XX/XXXX XXXX ( Bank )XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-02
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. (NY)

In accordance with the Fair Credit Reporting act. The account below on my Equifax consumer report has violated my federally protected consumer rights to PRIVACY and CONFIDENTIALITY under 15 USC 1681. XXXX XXXX XXXX This account 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 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 XXXX 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 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC 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 In accordance with the Fair Credit Reporting Act. Equifax, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction. 15 U.S.C 1666 B : A creditor may not treat a payment on a credit account under an open end consumer plan late for any reason. 



Sincerely,