davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-24
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. (AZ)

My XXXX XXXX and XXXX XXXX XXXX XXXX credit card is lost/stolen. The fraudulent charges/transactions dont belong to me. The balance on these 2 accounts dont belong to me, because both of my credit card accounts with XXXX and XXXX XXXX is lost/stolen.
Consumer complaint received 2017-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

Hello. I have been looking at my credit report and it has been wrong for some time now. I had some very important dealings recently, that required inspection of the report and almost did not meet criteria as a result of non reporting. I contacted my bank / credit card companies and they say they are reporting. I can not ever get in contact with Experian by phone. I can not wait more than an hour to speak to someone.. That being said, I found an old correspondence email and used it to mail them. I received no response. My total credit limit from my old visa has doubled. I have a newer credit card that is also not reporting. It too carries a high limit. None of this is being reported and my score is just remaining the same. There are stipulations for everyone in society regarding credit and lack thereof. Yet the overseers of this system do not appear to be doing their jobs. As a result, people are being denied what they deserve, life is being put on hold etc. This does n't make sense.
Consumer complaint received 2017-12-23
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. (LA)

RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XXXX17and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Consumer complaint received 2016-09-09
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (PA)

I recently went to a Wells Fargo Bank located at XXXX XXXX XXXX to apply for a personal loan to pay off another loan that has a high interest rate. I went there because that is where my mortgage is held. I talked to a XXXX XXXX. She asked me what my credit score was. I told her it was XXXX to which she said the loan should not be a problem with that score. I filled out the loan application on the spot. After I was done with that, she started to pressure me into opening a checking account. At first I refused and told her if the loan goes through, I will consider opening XXXX. She continued to tell me all the advantages of having the checking account and she could open on the spot. She assured me that if I did or did n't, it would not have any effect on my loan request. I finally agreed to open XXXX and deposited {$30.00} into the account. Not long after I got home, I received a call telling me my loan was not approved. I finally figured out what was going on. XXXX XXXX was not interested in getting me a loan, but instead her interests were getting a commission for selling me a new account. This was solidified when I heard the news last evening. This bank has done numerous illegal and fraudulent things in the past. I now feel I was a victim of their latest actions. I did reach out to the management who assured they would investigate the reason for denying the loan. I was never contacted by phone, only by a unsigned letter from XXXX XXXX.
Consumer complaint received 2016-11-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NC)

Credit Collection Services, XXXX, XXXX, Ma XXXX, XXXX has and continues to send collection letters and phone calls concerning a purported debt to " XXXX XXXX ''. 
There is no debt, but Credit Collection Services has caused damage to our credit and has caused us to pay higher interest rates for the foreseeable future.
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account is about my child support payment to the Texas OAG office. The account balance and the reported payments are always reported wrong to all the credit reporting agencies. 

Since XX/XX/XXXX, I had been awarded and receiving a monthly social security survivor benefits in the amount of {$1300.00}, to which the Texas OAG attached a lien and had since been collecting one third of my benefits every month in the amount of {$450.00}. The OAG office collects this amount from my survivor benefits promptly without fail. Also in XX/XX/XXXX, I settled an auto insurance claim for about {$13000.00}, and between the lawyers, the hospital bills and the rest of the other medical bills, the OAG got {$5900.00} of the settlement, and the rest went to the attorneys and the rest to the medical providers to settle the medical bills. Not a penny for went me. I do n't have a problem with the OAG taking the money for my child 's support, what I have a problem with is the reporting errors. 

For instance, my total monthly child support payment is {$340.00}, of which {$220.00} is for the chaild 's support, {$75.00} for the child 's medical, and {$100.00} to go towards reducing the arrears, which as of XX/XX/XXXX before the social security survivor benefits I started receiving my benefits my arrears was then at a little over {$10000.00}. But as I already indicated, the OAG office is actually {$450.00} from my benefits. Yet for the past 10 months, my credit consumer report is showing zero payment into the account, it shows that no payment has been made on the account for almost a year, that has always been past due for 30, 60, 90 days, and that is just not true. I have all the documents to prove it if requested. As of today when l checked the account balance, it shows that the account is past due 8 months, and the remaining balance does not accurately reflect the arrears balance.
Consumer complaint received 2017-12-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (OR)

I hold virtual currency in a XXXX XXXX provided by Coinbase.com. 

To withdraw funds from the XXXX XXXX I must respond to one request for authorization that is sent by Coinbase.com to each of two separate email addresses I provided to Coinbase.com for this purpose when I set up the XXXX XXXX. 

Unfortunately I am unable to access the second of the two email accounts I provided for this purpose and, though I am actively trying to recover access to this email account, I CAN NOT AFFORD TO WAIT FOR IT 'S RESOLUTION BEFORE I NEED TO ACCESS MY COINBASE.COM XXXX. 

On XXXX @ XXXX XXXX PST I contacted Coinbase.com with a request to fix this problem and received an automatically generated response which states " Thank you for submitting your request. Due to increased volume it may take several days to receive a response. '' This is not a response that is appropriate to a company entrusted with the management of customer funds.
Consumer complaint received 2017-12-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX has been trying to collect money from me that I do not owe. I have been contacted by four collection agencies. Each time I receive a notice about  XXXX in the mail from a collection agency, I reply within 30 days and explain to them why the debt is not valid. XXXX XXXX has reported the account on my Transunion credit report. The amount is {$57.00} On XXXX XXXX, XXXX I sent a dispute letter to Transunion and followed their dispute process. On XXXX XXXX, XXXX, Transunion sent me the report on the results of their investigation. They say that the information has been verified as accurate. All that Transunion has done is verify the same FALSE information that XXXX XXXX is providing. XXXX XXXX falsely believes that I have an account with them because I purchased a phone at a retail electronics store and the store had a technical problem and could not activate the phone. The store let me return the phone and they refunded all my money. The store said they notified XXXX. This happened XXXX XXXX. Apparently the store either did not notify XXXX or XXXX did not get the information.
Consumer complaint received 2017-12-23
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. (LA)

RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Consumer complaint received 2017-12-23
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. (LA)

RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Consumer complaint received 2017-10-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Pressler & Pressler, LLP (NJ)

I have been harassed by the collection company called Pressler & Pressler. I am a retired and XXXX person whos only income comes from my XXXX XXXX XXXX and XXXX XXXX XXXX. My checks were not direct deposited, therefore my bank allowed my account to try to be levied by Pressler and Pressler in XXXX XXXX. Funds were frozen, but I provided documentation as proof of my income and the levy was lifted. My funds were returned and notes were taken so this matter would not surface again. Since then, and as of today XXXX/XXXX/XXXX I have been receiving phone calls from Pressler and Pressler asking if I can make monthly payments. I explained to them that my income is exempt and that I am on a fixed budget at the moment. I also offered to settle both accounts ( I have two with them ) and offered an amount, which they did not accept. I am a XXXX person and these calls are disrupting me. I would like for Pressler and Pressler to cease and desist. I need them to stop calling my house. Any help in this matter will be greatly appreciated.
Consumer complaint received 2017-10-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (AR)

I recently looked at my credit reports and noticed that Ally Financial XXXX .... reported negative marks 30,60 days late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. 
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve
Consumer complaint received 2016-12-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I had about {$1300.00} taken out from my bank 's checking account and {$200.00} from my savings from more than XXXX ATMs throughout my area. I contacted Bank of America after receiving a text about unusual activity, filed a fraud claim, and then received a message that they " do n't believe an error has occurred. '' I called them up, and they advised me to file a police report and fax it to them, and the would re-evaluate my claim. I did so, and again, I received a message that they " do n't believe an error has occurred. ''
Consumer complaint received 2017-10-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MO)

Freedom Mortgage XXXX. XXXX XXXX XXXX, TX XXXX On XXXX/XXXX/XXXX Freedom Mortgage automatically deducted an additional {$870.00} from my checking account BUT the additional withdraw was not applied to my account. They are unaware of any deduction, where it went to, or how to reverse the withdraw.
Consumer complaint received 2017-11-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Onity Group Inc. (MD)

Previous letter receive by the debt collector statement ( Ocwen loan Servicing ) has sold the servicing rights to XXXX XXXX Mortgage, without my awareness or consent, which is a violation of my contract and rights according to FDPCA. In my defense, I did the following, '' 1st payment was sent certified cashier check in the amount of {$650.00} and it was returned back to me by Ocwen Loan Servicing on XX/XX/XXXX. " 2nd payment sent in the amount of {$650.00} by personal check # XXXX mailed on XX/XX/XXXX and returned back to me. However I 'm paying the escrow myself ( Taxes & Insurance ) since XX/XX/XXXX Homeowners Insurance and Taxes paid in full for XXXX. I later receive a correspondence from Ocwen Loan Servicing on XX/XX/XXXXXXXX ( Mortgage Reinstement Quote ). which is a debt collector. By reviewing my recent copy credit report, It shown on all 3 credit report paid and current for accepted payments for {$650.00}, All payments were paid current according to my payment records, later discover XXXX and XXXX payments was n't applied on the credit report, but the following payments were applied on XXXX, XXXX, XXXX, XXXX, I need to know according to alleged statements I receive monthly, Why are they returning my payments and quote : stating I have the amount do on my account. I need answers ASAP. Thank you kindly
Consumer complaint received 2017-12-27
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. (TX)

I have tried numerous times to resolve an inaccuracy in th way an account is reporting with XXXX, XXXX, and Experien all to no avail. 
The account is for an auto loan which was repossessed in XXXX and sold at auction in XXXX. The original loan amount was approximately {XXXX, and once sold approximately {XXXX} remained. 
At this point it should be reporting as a charged off account in amount of {XXXX} approximately, but instead continued to report as late payments each month with a balance remaining of XXXX. 
I have tried, and tried to resolve both with the bureaus, even sending supporting documents ( attached ) from original finance company, but to date all disputes have been updated as " validated/verified '' and disputed closed. 
I am not disputing the validity of account being mine, but rather an error in how it is reporting. 
I am a XXXX XXXX, doing my best to purchase a home in near future, but this continues to affect my credit negatively month after month. Please help.
Consumer complaint received 2017-12-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: ARVEST BANK GROUP, INC. (AR)

I have 4 checking accounts with Arvest Bank. When I opened my newest account ( more than a year ago ) I asked about the cost of sending money through bill pay. I was told that since I was in the free account, I could n't have unlimited free bill pay like on the my blue account, but that I could send up to 6 for free each month. I have only one bill pay item in the amount of {$40.00} that is sent each month from my bills account to the city. I have had this in place for quite some time and have not been charged even once for it. I was balancing my accounts today and noticed that a XXXX cent charge came through on an account that I have never even used bill pay on. I figured this must be an error, so I called the bank and explained the situation. After the rep completed her research, she told me that bill pay items are never free on free checking accounts and that I was being charged for the {$40.00} item that had been sent. I reiterated that I was told bill pay was free up to 6 items, that I had not been charged even once in the past, and that the account being charged has not ever had a single bill pay item come out of it. To that she responded that bill pay must have been set up " weirdly '' on my account and that she could not waive that fee or any future fees for bill pay.
Consumer complaint received 2017-11-02
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. (GA)

RE : Unverified Accounts I recently filed a complaint on Experian and their response was : The are in the process of contacting the data furnisher ( s ) and/or public record vendor ( s ) as needed to verify the accuracy of the information with which I disagree. 
They also advised to contact the creditor directly at the addresses provided on my personal credit report They also sited that : According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the source of the disputed information and informing them of all relevant information regarding the consumers dispute My complaint was to simply to inform them that after reviewing it I found a number of items on the report that are Unverified. I asked that they send me copies of the documents that they have in their files as of this date that they used to verify the accuracy of the accounts. 

Under the Fair Credit Reporting Act, 15 U.S.C 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their files at the time of this request concerning the accounts that they are reporting in my credit file. I need copies the documents that they should have readily available in their files that were used to verify the accounts. If they do not have any documentation in their files to verify the accuracy of these disputed accounts to please delete the immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( 1 ). By  publishing these inaccuracies and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness. 

Under the FCRA 15U.S.C 1681i, all unverified accounts must be promptly deleted! Therefore, if they are unable to provide me with a copy of the verifiable proof that they have on file as required by law for each the negative accounts listed on my credit file then you must remove these accounts from my credit report. They should not have to obtain information from any other agency as they should have these documents on file as they have told me on many occasions that the accounts they are reporting are verified.
Consumer complaint received 2017-12-23
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. (IN)

XXXX RAN MY CREDIT ON EQUIFAX WHILE I HAD A FRAUD ALERT THUS CANCELLING TWO APPLICATIONS FAILED. I WANT BOTH INQUIRIES REMOVED SEE ATTACHED