davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
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)

15 U.S. Code 1666b - Timing of payments ( a ) 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.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer!
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-08-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Attached please find the accounting from Capital One Auto Finance. Looking at the history from the Creditor it appears that the Creditor filed a proof of claim in the amount of {$30000.00} and the XXXX 's office also paid {$2100.00} in interest which is a total of {$32000.00} Capital One showed a balance of {$26000.00} as of XX/XX/2021 ( bankruptcy filed XX/XX/2021 ) Total Payments made by XXXX {$8200.00} Total Contract - {$38000.00} Total Payments between us and the XXXX  XXXX Trustee - {$41000.00}. 
Overpayment of {$2400.00} This is per their own records, which I have attached everything again for you for your reference and review. 
I also wanted you to know that it is not just harassing telephone calls, but it is also emails about XXXX times a week. 

Thank you for your time and consideration in this matter. 

Kindest Regards,
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

My recent credit report shows the following : XXXX days late for XXXX XXXX XXXX days late for XXXX XXXX XXXX days late for XX/XX/year> and XXXX days late for XX/XX/year>. This information is NOT accurate. I have had many issues with this account, and it seems to be getting worse. The information on my credit report has changed. It was removed and then placed back on. It used to say XXXX  days late not it has been changed to XXXX and XXXX days. I have tried to resolve this through XXXX team asking them to assist me. We did have some financial issues arise but not to this extent. I requested account history to be mailed to me, including payment history with amount and dates, account notes, documentation of any " promises to pay ''. I also requested that all calls be verified, as I voiced concern over payment posting due to the changing of some cards to capital one vs some staying with Kohls. I was informed at the time that it caused a lot of confusion between accounts. I could not longer access my card through the kohls app as I had done before. My account was reverted back to my old email, that I no longer have access to. From my end, it appears that the transition contributed to some of these " late pays '' and I do not feel the information is accurate. On top of that, no response to my numerous attempts to get information.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I looked at my credit report and noticed several inquiries I did not authorize. Please see the following inquiries showing on my credit report : XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX  Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax 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 2024-08-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

On XX/XX/year> I opened an account on Coinbase. The purpose was to XXXX XXXX XXXX for use on a separate exchange. Coinbase offered several options for transferring funds into the account. The Coinbase website said that using XXXX would let me access my funds immediately. I transferred {$200.00}, plus {$9.00} for Coinbase 's transfer fees, for a total of {$200.00}. On XX/XX/year>, I received an email notice from Coinbase which said that my account access was restricted until XX/XX/year>. The email claimed that the delay was because it expected to receive payment from my bank. This was not the representation that Coinbase made. I needed to complete my transaction before XX/XX/year>, so I asked for a refund. 

I contacted Coinbase 's customer service and ( after an extensive delay ) was told that Coinbase could not undo the transaction and to contact XXXX. XXXX informed me that my sole recourse was to go through Coinbase. On XX/XX/year> I received another email notice which said that my account would be restricted for another 9 business days ( i.e. until XX/XX/year> ). No explanation was given. Meanwhile, I obtained proof that my bank XXXX XXXX XXXX XXXXXXXX XXXX and XXXX had both cleared the transaction and that Coinbase had my money. I have had multiple conversations with Coinbase customer service. During one of those chats, Coinbase admitted that it had my money ( my account shows a balance of {$200.00} ). 

I have made multiple attempts to withdraw the money I deposited into the account. Coinbase refuses to let me do so. It claims I must wait until XX/XX/year>. This is fraud as their representation was immediate access and I am now looking at a minimum of a 30 day delay. I am worried that I will not be able to get my money back. I expect that Coinbase will manufacture a further delay an further restrict my account for an indeterminate amount of time. Worse, I will receive no compensation, or interest for the use of my money, during this period. I am writing in the hope that XXXX can help me get my money back from Coinbase. If there is any way to penalize Coinbase, issue a fine, or implement any other disciplinary action, I will be happy to cooperate in any such effort.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

While checking my most recent credit report via XXXX XXXX, I noticed credit inquiries that I did not authorize. Made by the following companies : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and CAPITAL ONE on XX/XX/XXXX
Consumer complaint received 2024-08-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (FL)

I paid off my auto loan with Chase Auto Finance on XX/XX/XXXX. It is now XX/XX/XXXX, and to this day, neither Chase nor the XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX have been able to help me get the title transferred. I have had to schedule several appointments to the XXXX XXXXXXXX XXXX XXXX XXXX over the last year, taking time off from work only to be turned away with the excuse of " a missing document '' ( each time a different one ). The first time, it was the certificate of title that was missing Chase 's signature. After several phone calls, even attempting to get support from a local branch, and experiencing extreme delays, I finally received the signed title on XX/XX/XXXX. I then took it to the XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and they refused to process it once again, this time saying that the affidavit was missing Chase 's signature. I repeatedly called and messaged Chase, only to be told that their signature is not required and refusing to help me any further. Since I was traveling, I even tried to contact the XXXX XXXXXXXX XXXX XXXX XXXX via their website form to get guidance and never received a response. I finally took this message in person to the XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, asking if they can help me out if Chase is straight up refusing to sign the affidavit. This time, they told me I don't need the signed affidavit, but I do need a new odometer disclosure statement. I messaged and called Chase right away, letting them know that I need a new odometer disclosure signed and mailed by the end of this week. They promised to give me an update today, XX/XX/XXXX, and I called them only to find out they apparently didn't even take my address down. They have not even been able to confirm if they will indeed be sending me a new odometer disclosure statement. It is absurd that this process has taken more than a year ( and is still ongoing ). Working with both of these parties has been an absolute nightmare of an experience.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: MOHELA (MI)

This is a complaint against XXXX XXXX XXXX they failed to report a student loan payment I successfully made to the credit agencies resulting in an UNJUSTIFIED XXXX XXXX decrease in my credit score. I wrote letters, called, spoke to the credit agencies who all pointed me back to XXXX This was never corrected. XXXX agreed I paid successfully. XXXX reported XXXX  did not report the payment. I am submitting for the recent settlement for affected borrowers.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

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 Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-15
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. (VA)

In Accordance with the fair credit reporting act. the of list accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 accounts name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX l Iooked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I requested an investigation on XXXX XXXX : Account number : XXXX. This account came back verified with information updates. Equifax updated the report claiming to have been provided additional information in regards to the accounts information reporting. The late payment on the account came back as verified through the cfpb. That is mind boggling due to the fact that no documentation to support this late payment history has been provided to me. I am requesting the documents provided by XXXX to Equifax in order to verify the accounts information. The specific legislation within the Fair Credit Reporting Act ( FCRA ) that enforces credit reporting agencies to share documentation from credit furnishers with consumers is Section 609 ( 15 U.S.C. 1681g ). This section mandates that credit reporting agencies must disclose to consumers all information in their credit file upon request, including the sources of this information and the identification of each person who procured a consumer report. Please take a moment to provide the requested information or grant me my right to address the account that I have indicated and its error.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

I tried for an hour to request a credit freeze. I was informed that I already had an account, but I had forgotten my log in information. I tried to reset my username and password, but when I put in my information, it told me that I did not have an account. This was a vicious circle for an hour while I waited on hold to speak with customer service. I finally spoke with someone in customer service - confirmed my identity via an arduous process, including uploading my drivers license- which took about XXXX pictures to achieve. Got through that - was sent a reset code - tried to reset and repeatedly got " We Are Temporarily Unable To Complete This Request ''. It feels like Equifax was hacked again- it should not be this difficult to reset a password- especially after confirming my identity with the agent online. 

After the huge data breach - I'm not even sure if I should have an account. Seems they aren't able to protect my most sensitive information!!! 

I don't know what to do.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

XX/XX/year> I've tried RELENTLESSLY to contact EQUIFAX after several failed attempts to access my credit online. After calling three [ 3 ] different phone numbers, inputting my personal information as instructed, I have been put through the ringer to be on hold after FINALLY getting to an agent. I've been on hold over an hour- I put a credit freeze on my other two Credit Bureau 's without issues. I can not access EQUIFAX at all. They say I have an existing account and instruct me how to change my password. I THEN receive notice I already have an existing account. I've gone back and forth online with complete mixed messages from EQUIFAX. I can not access my credit. Now after 3 different listed online phone numbers to call them, I am exhausted in my quest to simply find myself on hold for well over an hour - CONSUMERS SHOULD HAVE MUCH EASIER ACCESS to this company holding our most valuable information. I had absolutely no problem with the other two bureaus.
Consumer complaint received 2019-12-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (GA)

The purpose of this complaint is to warn consumers against using the services of Xoom to execute international money transfers. Unlike other more established money transfer agencies, Xoom outsources the execution of international money transfers to third party entities located outside of the USA and that are on diametrically opposed time zone. The issue resolution process is onerous. My experience is not unique. I wish I read customer reviews about Xoom 's international money transfer capabilities. Please find below the details of my painful experience dealing with Xoom. 

On XX/XX/2019, I used the services of Xoom to initiate an international money transfer in the amount of more than {$1000.00} to a recipient 's bank account based in XXXX XXXX. The Xoom tracking number for the transaction at issue is : XXXX. The money was supposed to be deposited in the bank account of the recipient no later than XX/XX/2019. However the funds were never deposited in the recipient 's bank account. 

On XX/XX/2019, I contacted the customer service department of Xoom to inform them that the funds were never deposited in the intended recipient 's bank account. They counter claimed that the transfer was successfully completed. They went on to request that I provide the bank statement of the intended recipient but I declined to do so for security and privacy reasons. I instead requested that Xoom provide a proof of deposit showing all references relevant to the presumed execution of the transfer. This is when Xoom indicated that they would request the proof of deposit from a XXXX XXXX based third party entity which executed the money transfer on Xoom 's behalf. The customer service agent indicated their service level agreement with the third party entity requires the latter to produce the proof of deposit within 1 business day. 

I followed up with Xoom on XX/XX/XXXX then on XX/XX/XXXX to inquire on the status of the deposit confirmation. Xoom was unable to supply any deposit confirmation and suggested that I check back at a later time. I indicated to them that I was in no position to wait any longer and requested to speak to a supervisor. After multiple back and forth, the supervisor returned to the phone line to let me know that the money transfer was not successful because the bank details I provided were allegedly erroneous. Xoom has failed to supply any documentation ascertaining that an attempt to transfer to funds did occur and was rejected. Xoom has initiated the refund process.
Consumer complaint received 2024-08-15
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One reported my account late for the month of XXXX. I spoke to the company in XXXX because I was having financial hardship at the time and asked for a sustainable solution on payment options. The company agreed to take out XXXX specific amounts from my checking account on specific dates as automatic payments. They did not and in turn once I realized it - I made a payment to bring the account up to date. They marked my account as late when in fact it was the companys error for not taking the funds as agreed. I want this taken off of my credit report as a missed payment. I have a perfect payment history in the last few years and this is causing me issues with obtaining any new credit.
Consumer complaint received 2024-08-15
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. (NY)

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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

Can not log into My Equifax to obtain credit report or freeze credit. On XXXX tried to reset password to log into My Equifax to view credit report and freeze credit multiple times but get an error from My Equifax website : We are temporarily unable to complete this request. 
Please try again later. 

Upon calling customer service waited on hold for over an hour with no response.