davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX company has violated the FDCA rules as its outlined in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ), which states that a consumer report is a medium of communication and this subject to cease and desist requirements. 15 usc 1666b time to make payments. which i XXXX XXXX is not a dead man i am a living being secured party creditor. 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. XXXX XXXX closed my account without notice or permission never sent the periodic statement along with the disclosures from section 1537 ( b ) i have proof that i sent by mail before payment due date this information was requested in good faith pursuant rule 1002 and it was nevered provided. This is unfair, illegal, fraudulent, and not equal to me as the consumer or secured party creditor. remove all late payments from my credit report and restore my account.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2018-08-08
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report : Unknown Acct XXXX  ( XXXX ), XXXX XXXX/XXXX Acct XXXX ( Experian, XXXX ), XXXX XXXX, AcctXXXX ( XXXX ), XXXX XXXX Acct XXXX ( Experian, XXXX  ), XXXX XXXX Acct XXXX ( Experian, XXXX. XXXX ), XXXX XXXX XXXX XXXX/XXXX Acct XXXX  ( Experian, XXXX. XXXX ).
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian, XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX and XXXX XXXX is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX and XXXX XXXX, the financial institutions and the Consumer reporting agencies XXXX, Experian, XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX, XXXX And XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX and XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2018-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXX, I made two payments via the BarclaysCard US mobile application. One payment for {$2300.00} and the other for {$160.00}. Barclays Card applied the {$160.00} payment and held the {$2300.00} payment. On XX/XX/XXXX, the {$2300.00} cleared my checking account with XXXX XXXX XXXX. On XX/XX/XXXX, the hold on the Barclays Mastercard continued. I contacted customer service on XX/XX/XXXX. They removed the hold and said it would be effective on XX/XX/XXXX. No where in the account opening materials or the account agreement does it disclose Barclays Card UNFAIR, DECEPTIVE AND ABUSIVE PRACTICE of holding a customer 's payment. I have another card with Barclays and am existing customer and this has never happened before or with any other bank.
Consumer complaint received 2018-01-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NY)

I set up an ACH transfer from my American Express Serve account to my XXXX XXXX checking account. on Tues. XX/XX/XXXX. Normally, it takes 2-3 business for the transfer to be complete, but my Monday XX/XX/XXXX, the funds were not posted in my checking account. I contact XXXX XXXX regarding my transfer and I was informed that there was technically issues and my transfer would not be finalized until Wed. XX/XX/XXXX, but I did not get the funds posted in my account until the following day. 
Because of the funds were not in my XXXX XXXX account within the 2-3 days ; I receive four overdrafts fees from XXXX XXXX. I explain to XXXX XXXX several times regarding my issue, but the bank refuse to refund me the fees because it was not their issue. XXXX XXXX   offered to speak to XXXX XXXX directly, but once again the bank refused to refund me the over drafts fees. XXXX XXXX only provided me a XXXX refund back to my XXXX XXXX account for only one overdraft fee. I have made countless attempts to resolve this issue and I have offered to provide my bank statement and/or other documents to show the fees, but XXXX XXXX refuses to speak me amount this matter. As a consumer, I should not pay for any fees because this was a technical issue.
Consumer complaint received 2018-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (IL)

I had debt that started in 2015 and I disputed it with company because it was paid. Than I received another debt collection call around the same price. I kept asking CBE company to give me the account number and company and they didn't. I asked if I could call them back and give them my information and they said that was fine, but every time I called they put me on hold and than disconnect or a recording would tell me to call back as their reps. were busy. A few weeks later the amount is on my credit report without trying to pay it or discussing it with that debt collector. If it is the same debt I already paid than that doesn't seem fair. That debt to a company was also from identity debt from a tenant that moved into one of my homes I had leased. I filed a complained, but ended up paying the debt to avoid it on my credit.
Consumer complaint received 2018-01-29
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)

Good XXXX, I recently, on two occasions disputed the XXXX XXXX on my Transunion report as never late. I included a copy of the never late letter that was addressed to my mother XXXX XXXX as she is the primary account holder and I am an authorized user. On the first occasion they came back verified as if it was late. they didnt even honor the letter that was furnished. 

On the second occasion on XX/XX/XXXX I disputed it again, they removed the late that was showing on XX/XX/XXXX then they added it back on as if it was late on XX/XX/XXXX. 

THIS ACCOUNT HAS NEVER BEEN LATE AND THEY ARE NOT DOING THE RESEARCH TO REPORT THE CORRECT INFORMATION. 

I need them to remove the late and update my account to never late. 

SECONDLY, I called to dispute several inquires that are reporting on my credit report with Trans Union that I am unaware of, please see the following : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I spoke with XXXX on XX/XX/XXXX and she REFUSED to put in my inquiry dispute, taking away my rights to dispute incorrect and derogatory information on my credit report. 

what I have gathered is that the employees at Transunion do not want to help people get there reports corrected because they get paid to report incorrect information. 


Thank you so much for helping me in this situation.
Consumer complaint received 2018-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX we mobile deposited a refund check from XXXX XXXX to wellsfargo for XXXX. 
We inadvertently mobile deposited the same check to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX returned the check as already cashed. Then on XX/XX/XXXX wellsfargo removed the amount from our account. The check shows cleared by wells fargo from the issuer XXXX XXXX. The money was not returned to the XXXX XXXX and the only response from wells fargo after numerous calls and two claims is they did the right thing by removing the money from our account and accused us of committing fraud. We are unable to get an answer as to what they did with the removed money and did not return the check to the issuer. The only response we get from them is that the check was cashed at another bank. which it was not it was returned as already cashed. They refused to trace the check. The issuer still shows it clearing wells fargo.
Consumer complaint received 2018-01-29
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)

This is an ongoing case with case ID number XXXX XXXX XXXX has not resolved this matter even though the merchant is willing to refund me at least half the disputed amount
Consumer complaint received 2018-01-29
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

Hello, I hope that someone could help me, I am trying to get a delinquency off of my credit report. I had spoke to someone in XX/XX/XXXX and they had faxed over a forbearance form that should of been for a year and it was sent to me and i submitted it, i know found out that it was for a month and this is the reason why my account went into delinquency from XX/XX/XXXX-XX/XX/XXXX. I have spoke to the credit bureau, the dept of ed told me to contact XXXX XXXX because my account was sent to them when i contact XXXX XXXX they sent me back to the XXXX XXXX XXXX, from there back to XXXX XXXX, In XXXX I spoke to XXXX XXXX over different times i was told to file a dispute and they would fix it then they didn't. I called back and a representative transferred me to manager which name was XXXX she was very nice but my issue was not resolved because they sent me emails. I do not know if i received them i cant remember but after filling my forbearance and confirmed that they received it i thought i was good. I now still do not have the issue resolved because of me getting the wrong forbearance formed sent. I would like to be helped this is really effecting my credit report and me buying a home for me and my children and i really do not know what else to do. Thank you very much for your time and help
Consumer complaint received 2018-01-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I have made a money withdrawal from my Coinbase account to my bank account on the XXXX of XXXX and on the XXXX of XXXX. I did receive a confirmation from Coinbase, that money will be on my account accordingly on the XXXX and on the XXXX of XXXX. 
I contacted Coinbase first time on the XXXX of XXXX and on the daily bases since then. e-mails and phone calls. I even tried to contact them trough my bank. 
Today I have got Coinbase to add me to their priority list, at least they say so. But money has not arrived. They have taken money from my Coinbase account the same day I made a withdrawal. But in 2 weeks it has not arrived to my bank account.
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

This account was paid in full with NO discount. We actually were supposed to be refunded apprx {$500.00} because we over paid. This was not a charge off of {$3100.00} and again it was not a charge off of {$10000.00}. There was NEVER a balance owing of {$450.00}. We completed the final HUD-1 statement, there was a credit that should have went to us and this account was paid in full in apprx. XX/XX/XXXX NOT XX/XX/XXXX when we alerted them that there was a NEGATIVE mark on our credit report. Since we reported this they have acted as if they didn't owe us any money, the made sure to put MORE negative marks on ALL three credit bureaus with the big finish on XXXX saying that they " settled less than full balance ''. This is FRAUD! PURE FRAUDULENT actions since I notified them in XX/XX/XXXX and it is becoming more comical by the day and someone at Santander should be held account for this fraud. They also sent us some useless closing statements that are used at the beginning of the transaction with a back dated date and wanted me to sign them. HA! This car loan was paid off in a timely manner, paid in full with no discount and they have lied about almost everything along the way. They owe us {$500.00} plus interest from XX/XX/XXXX. We would be happy with the money and FIX/CORRECT our credit report. I also feel XXXX, XXXX and XXXX should have some blame as well because dates and amounts don't line up and XXXX was perfect and just recently changed to show the worst and dropped my score by 40 points. They appear to let Santander type in ANYTHING they want without any documentation or reason. Please investigate Santander Consumer USA for FRAUD..
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

>>>>> Investigation Results <<<<< Credit Reporting agency failed and continues to fail in correcting my name on the report, our repeated complaints went unanswered. 

Several erroneous names that do not belong to me appears in the Personal Information secion still!!! 

I provided my Government Issued ID and my Social Security Number ( copies ) multiple times to prove my identity and requested that they remove ALL inaccurate and other names that I never had before. 

My Name is : XXXX XXXX XXXX I have NO other names, NO variations of spelling, NO other names before. 

Please correct and remove all other names from my report immediately.
Consumer complaint received 2018-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (NJ)

On XX/XX/ I made an online Bill pay through my Bank ( PNC ) for a payment to my Mortgage company XXXX XXXX. I accidentally made a duplicate payment the following day on XX/XX/XXXX for the same amount of {$2800.00}. As I caught this error, I spoke with PNC to cancel the 2nd payment. While PNC reached out to XXXX XXXX to cancel 2nd payment, XXXX XXXX cancelled both payments and sent the funds back to PNC. Since PNC did not request the first funds back, they show that a payment was made on my behalf. The information above took until XX/XX/ to share this with me. While on a conference call with XX/XX/XXXX, PNC, and PNC 's 3rd party payer ( XXXX   ), it was shared that XXXX was in possession of these funds. I was asked, how I wished to proceed and the options where to send money back to XXXX XXXX which should take 2 days to post to my account or send back to me which could take upto 2 weeks. I chose to have the funds sent directly to XXXX XXXX. Since this call, I can share with you that these same funds are lost again. PNC/XXXX is claiming the funds were sent and XXXX XXXX has no receipt of these funds. I believe I have given both banking institutions more than adequate amount of time to conduct the research needed to bring this case to a close. Any assistance you can provide to help locate these funds would be much appreciated.
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BB&T CORPORATION (NC)

It seems I have an account with XXXX XXXX XXXX for an auto loan which I was the victim of predatory lending practices. I had just purchased a Truck and had financing with XXXX XXXX XXXX at the same time it seems I was also approved by XXXX XXXX for a second vehicle loan the dealership knew there was no way I could afford two loans at one time yet went ahead with the second one anyway, I did not keep the second vehicle and made arrangements to have it picked up by XXXX XXXX in which they did in XX/XX/XXXX yet they are still reporting it now in XX/XX/XXXX, I can not get into a home with this still on my credit report and as a XXXX Veteran face possible homelessness.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

It is a simple problem that Equifax refuses to fix. 

I had an account in collections. I made a settlement agreement with the collection agency. Part of that settlement agreement stated that the collection agency would send a manual deletion of the account upon my down payment. I made the down payment and the collection company sent the manual deletion. XXXX   and XXXX have both deleted the account from my credit record but Equifax refuses to do so. Equifax continues to maintain that the collection agency has not sent the manual deletion. I have spoken with the attorney for the collection agency and they have indeed sent the manual deletion three times. I am inclined to believe him because not only did he give me proof of the manual deletion being sent but two of the three credit bureaus have removed the item without hesitation. 

I own two businesses and employ 30 people. This negative reporting on my credit file is causing me to not be able to have access to lines of credit as well as access to other traditional capital financing opportunities. 

I have been working closely with the attorney with the collection agency. I have letters as well as other documentation showing that this account should be deleted and the attorney has even made himself available to speak directly with someone at Equifax however Equifax refuses to try to help me resolve this issue even in the slightest manner outside of beginning another useless dispute process ( I've done three disputes with them now and each time they not only get things wrong with the account but they " update '' it and end up reporting incorrect information. 

Please help, I am nearly insolvent due to my lack of access to capital which is 100 % because of Equifax not complying with the request of the collection agency that I have settled with. 

Yours truly, XXXX