davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-18
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. (CA)

It is important to note, my loan officer company is   XXXX   XXXX   XXXX  
 XXXX  is a different firm managing my loan payments.
I have received in m id  XX/XX/XXXX  at tached statement "  XXXX  '' from loan officer  XXXX .
In this statement it was clear that my next payment date i s  XX/XX/XXXX  a nd new monthly is  XXXX .
In addition, in that statement, you can see actual payment o n  XX/XX/XXXX   as accounted for and it clearly stated that i overpayed the year of  XX/XX/XXXX  and it included a check of   XXXX   $ made to me to pay for the surplus i paid.
I was preparing to make my   XX/XX/XXXX  payme nt as usual. but after this letter, i checked  XXXX  website and deducted no payment is required.
No emails nor phone calls nor mails were received from neither firms until   XXXX   letter attached which was received in  XX/XX/XXXX  stating that i was actually late.
Before i even knew, I went to  XXXX  late   XX/XX/XXXX to pay for   XX/XX/XXXX  a nd realized the issue and paid for both  XX/XX/XXXX  and  XX/XX/XXXX . that day spent hours on   XXXX   interface, i tried processing my payment but it wasnt going thru. There was a total issue occurring.af ter painful experience, i 've figured i need to process two separate payments for each month and together it was failing since monthly amount itself have changed.
Overall, Both companies failed to notify me on timely fashion and provided contradicting information. Both promised to remove from credit report and that it will be repaired once misunderstanding has been cleared.
However, 6 months later and after very horrible experience and 6 month of emails with   XXXX   i stil havent been able to remove it from my credit report. i was reported as 30 day late and now PMI will not be removed because of this mistake.
This company been redirecting me from one department to another and today i was redirected to a fake email  XXXX  They damage my credit for no reason without proper notification. they 're interface now spams me with multiple pop-ups and i have to click 6 times to confirm to just see my statements. They are aware of the issue and claim they are working on a fix. this has been going on more then 6 month.
despite the reasonable case that ive made and many messages and followup and even after i paid fees and over 6 month of trying to get response with no luck, the creditor is acting unreasonably '' by not removing the 30day late payment even when they agreed to and Loan officer already agreed to remove since they have sent the confusing statement and never clarified.
I wasted my time for half a year now, and i hope similar companies can be stopped from consumer harassment such as my case above and held them accountable for what they are doing.
Regards,   XXXX   XXXX
Consumer complaint received 2017-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (FL)

There is a {$620.00} collection on my credit report for  XXXX  and I have never had  XXXX  I have never been inside of a  XXXX  store or had anything from  XXXX  but somehow now they are saying that I owe them {$620.00} and it 's a major hit on my credit report and it is n't me how can someone start an account without verifying my ID and verifying who I am
Consumer complaint received 2024-09-10
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: Experian Information Solutions Inc. (VA)

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who l am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2017-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

I requested a new debit card on  XXXX / XXXX /17 because mine was stolen on that day so the bank Wells Fargo issued another card with a new number, I received it and activated it but never used it yet then on  XXXX / XXXX /17 I checked my account balance online and noticed   XXXX   check deposits where made on  XX/XX/XXXX  for $  XXXX / $  XXXX / {$500.00} at an ATM somewhere far in west   XXXX   far from where I live and do all my banking at then that same night there was a purchase at a   XXXX   XXXX   XXXX   XXXX   for {$3.00} with {$370.00} cash back for a total of {$380.00} then an ATM withdraw the next morning for {$300.00} I reported this immediately and was informed a few days later the claim was declined the bank said it was impossible for someone to copy my card because of the chip I ask how is this possible when the new card has never been out of my possession and I have not used the new card I ask if they mailed another card to a different address or what pin was used I feel this had to have happened somehow but the bank would not tell me anything I advised I filed a police report and the police need more evidence copy of check deposits camera footage they said I can get copy of the checks but camera footage they will not do unless ordered my the courts, I received the copy of the deposited checks and the signature is not mine. Ca n't the bank see this?
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2024-09-10
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: Experian Information Solutions Inc. (MD)

I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY
Consumer complaint received 2024-09-10
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: Experian Information Solutions Inc. (FL)

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 XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2017-07-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (AL)

I deposited a {$5000.00} check to my checking account on  XXXX   XXXX , 2017. I received an alert message that the funds are being withheld until   XX/XX/XXXX   because of insufficient. The check was written by a local roofer as a refund check. The roofer 's bank is local (  XXXX  ) to my area not even  XXXX  miles away from ant Wells Fargo in  XXXX , Alabama. In conversation with roofer and showing me that the {$5000.00} has been deducted from his account. My bank statement activity says it was posted to my account on  XXXX   XXXX , 2017, and no where on the statement says pending deposit. The money has been deducted but, but I still have to wait 10 - 14 days before Wells Fargo will release my funds. The representative I spoke when I called  XXXX  that the funds could be released if I had a balance of {$1000.00}. My ending balance is {$420.00}. That 's confusing because if their is insufficient funds in the roofer 's account, why would Wells Fargo release {$5000.00} with only {$1000.00}? What sense is that. I recorded my conversation if verification is needed. The {$5000.00} is insurance money that was refunded because the roofer and I decided I would buy my own material for a complete roof installation. Wells Fargo  XXXX  branch is intentionally holding my funds in my opinion because I filed a complaint concerning a   XXXX    male worker lied to me concerning getting documents notarized. If the funds have been debited from the roofer 's   XXXX   XXXX   account, why I do n't have access to the {$5000.00}. The roofer 's will start the job tomorrow,  XX/XX/XXXX  with a completion date of  XX/XX/XXXX .
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted XXXX and Trans Union regarding my extended fraud alert and requested that my phone number be added to the alert. I have applied for credit applications and those applications have either been placed on hold or denied because the credit bureaus have not honored my credit and added my cell phone number to the alert. Trans Union and XXXX have not added the extended fraud alert to my credit report at all and it was added to XXXX credit back in XX/XX/2019. I am in the process of having two credit card applications approved and they are being held up based on the fact that my cell phone doesnt appear on the fraud alert and XXXX is delaying the process or just not getting not at all. I contacted Trans Union and they told me that they never received any information that I had an extended alert and would not add the extended alert to my credit report. XXXX and XXXX XXXX have both told me that they would have to re-run my credit again, resulting in an additional hard credit pull if and when XXXX and Trans Union add my cell phone number to the fraud alert which should have been done back in XX/XX/2019.
Consumer complaint received 2024-09-10
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: Experian Information Solutions Inc. (OH)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 
Please find below the specific details of the incorrect or outdated information : 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 2024-09-10
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: Experian Information Solutions Inc. (OH)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I was a victim of identity theft. I request all inaccurate information be removed from all three consumer reporting agencies. This includes late payments/ collections/ or any derogatory remarks be removed untill a XXXX investigation is conducted. In my files I will include the identity theft report, plus my identification of proof of who I am.
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have file for a Visa card for Capital One and Capital One Administration and Management keeps denying my application because I filed various Discrimination and Retaliation complaints with Federal Government.I was denied on XXXX, XXXX, XXXX andXX/XX/XXXX.
I am requesting a Federal Investigation against Capital One for Retaliation and Discriminating against me as a XXXX XXXX XXXX and XXXX and XXXX Military Veteran.
I have credit scores of XXXX XXXX and XXXX XXXX as I checked with XXXX XXXX XXXX. My credit score with XXXX is in the XXXX in which it will rise once the hard inquiries be deleted from XXXX  credit report and XXXX and XXXX.
I have provided my California Cal Pers XXXX Lifetime Retirement Pension income of {$4400.00} a month.
I own a home that has a value of {$320000.00} and I get Denied for a Visa credit card with Capital One?
I am XXXX  and XXXX and Capital One has denied me a Visa card because I am XXXX in which my ADA XXXX Civil Rights has been violated by Capital One Administration.
XXXX XXXX and XXXX XXXX and other Capital One Management keeps sending Denials Letters.
Also, Capital One denies a Visa card because I have a Bankruptcy Chapter XXXX on my credit file in which it was filed because of circumstances.
Bankruptcy was filed on XX/XX/XXXX and Discharged by XXXX, Texas Federal Judge on XX/XX/XXXX.
Capital One makes billions of dollars every year why company retaliates and discriminates against minorities and military veterans?
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2017-07-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

There are two issues with regard to my complaint about Coinbase Inc. based in XXXX XXXX, CA.
First, not exercising due deligence as promised by the company to protect the financial well being of the customers. This includes locking my account, and not being responsive to my numerous voicemail and email requests to resolve the issue. As a result, this has inhibited me from taking adequate action to protect my financial situation against recent too volatile digital currencies movement.
Second, not depositing or otherwise rejecting the fund I transferred from my XXXX XXXX XXXX account to my US dollar wallet account which is stored on coinbase platform ( {$8000.00} ).
The story : I opened a coinbase account and slowly started buying digital currencies ( BTC, ETH and LTC ) using my checking account and credit card. I excecised extreme caution in my new venture. On XX/XX/XXXX, I transferred {$8000.00} from my XXXX XXXX XXXX account to coinbase account at XXXX XXXX XXXX. The fund was supposed to be available in my US dollar wallet at cointbase account within 3 days. The XXXX XXXX XXXX  even confirmed that XXXX XXXX XXXX  received money on XXXX XXXX, 2017, but as of now (XX/XX/XXXX ) they have neither rejected nor deposited the fund. I contacted their bank but it did not avail me. As I mentioned, they lack a responsive customer support line.
Most importantly is the incidence that occurred on Friday, XXXX XXXX, 2017. I  made an attempt to sign up to XXXX XXXX, which is part of Coinbase Inc and is maintained by them. I used a different password than that used for my main coinbase account. I also used XXXX Authenticator required by Coinbase Inc as part of the sign-up process. I never scynronized my XXXX account with my wallets at Coinbase Inc. Within 2 minutes after my sign-up, I decided to log in to my main coinbase account, only to find that I could n't log in. I checked my email and found a notification from Coinbase that my password had been changed. Having thought that my account might have been compromised, I requested that my account be disabled by clicking on the safe link they had provided in the email. I also sent them an email to report the incidence. They got back to me the following day asking for the reason for my request!, and informing that my account would remain disabled until I confirm my password, email, and 2-factor security codes are secured. I have sent them numerous emails, and left them voicemails at their number at XXXX, but no responses yet. My account excluding the above {$8000.00} is worth around {$25000.00}.
This incidence may simply have been caused by my main coinbase account password being replaced by my XXXX sign-up password, a situation that I should have been warned upon XXXX  registration.