davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I have checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this accounts. I have also noticed the late payments reporting inaccurately across the bureaus. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to on-time payment if records are not proven I was late. I have attached the inaccuracies of the late payments reporting on my credit report.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (FL)

checkr is reporting inaccurate information about me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These records are inaccurate and their continuous reporting of these on file is a source of distress
Consumer complaint received 2024-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (OH)

I have been called by Wakefield and Associates numerous times a day for the past month and a half. When I spoke to them I asked where the debt was from and told them I would contact the hospital myself to see if I owed the debt. XXXX XXXX XXXX stated I owed nothing like that. I called Wakefield back and relayed this to a representative but the calling has persisted and its harassment, and unnecessary. Also, the representative at XXXX XXXX XXXX said that many other people were inquiring about debts they were told they owed and didnt as well.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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 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
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC. (WA)

On XX/XX/year> I submitted one application for a car loan at XXXX XXXX. Without my knowledge, XXXX XXXX made XXXX additional requests to different organizations, which I did not ask them to do, but they did it. Since then, I have discovered XXXX additional unauthorized credit requests. To which I did not give permission. Now I have XXXX hard inquiries ( from XX/XX/year> ) in my credit report but i did only XXXX
Consumer complaint received 2024-06-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

During a recent trip to XXXX XXXX, Mexico, my phone was stolen. Subsequently, an unauthorized transaction of {$2000.00} was made to an unknown recipient. Upon discovering this fraudulent activity, I promptly filed a complaint with Wells Fargo. Despite providing all necessary information and evidence that I had no knowledge of or involvement in the transaction, my complaint was denied. This decision has caused significant distress, as I am now liable for a substantial financial loss that I did not incur.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On my credit report is says I have remark codes on every thing. I havent been late on any payments I havent filed bankruptcy or anything. I dont understand. It made my score go down XXXX points and Im trying to buy a home
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Selene Holdings LLC (PA)

I am submitting the attached documents to dispute the XX/XX/year> late payment on my mortgage with Selene Finance LP. 

After sending several requests to update the late payment to XXXX or paid as requested, I am now disputing with a XXXX letter and a receipt from Selene Finance, which acknowledges the error and gives me credit for the late payment. 

Please Review Attachments Please note I have sent a letter to the Attorney General In PA and CRA.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have three accounts that doest belong to me and it states they are able to verify my social, date of birth and address. I need proof from these creditors that these account belong to me besides the three things i mention above I spoke with XXXX and this what information they provided XXXX  : open XX/XX/XXXX, XXXXXXXX XXXX XXXX  XXXX balance open : XXXX XXXX XXXX XXXX  : {$1400.00} : open XX/XX/year> Capital one : {$390.00}
Consumer complaint received 2024-06-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (VA)

Upon last complaint ( complaint # XXXXRobinhood asked me to upload my bank closure letters to validate the source of my funds. I uploaded my bank closure letters through the link they gave me. They replied The documents provided to do not validate ownership of the remaining funds. They did not reply why can not validate, or what does it take to validate. I told them the funds get significantly larger is because I invested all money in XXXX and held for almost 6 years. 

I subsequently sent them email with the transfer records that prove the funds I originally transferred from these banks to XXXX ( as attached in this complaint ). They can totally verify the source of the funds by checking the transfer records in my account against the bank closure letters. 

I am really helpless and frustrated since I have provided all the evidence and Robinhood did not make efforts to really solve my issue ( they always close the case after they sent over an email, if you reply for more help, you need to start over ).
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-05
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: ALLY FINANCIAL INC. (TX)

I reviewed my Consumer Reports and noticed that I had several late payments that I was never late for. Consumer Reporting Agencies have assumed a vital responsibility to report Consumer information to the best of their ability and as accurate as possible. I have never been late. In accordance with the Fair Credit Reporting Ally Financial Acct # XXXX and XXXX  XXXX XXXX has violated my rights. 15USC 1681 Section 602 states that I have the right to privacy. 15USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. The credit bureaus stated my account was properly investigated within 30 days and how is that possible when all the dates reporting is inactive, the date of last activity is inaccurate, it has has never been verified.
Consumer complaint received 2024-06-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

My Coinbase account along with my XXXX and XXXX accounts were hacked. The same person is seem stole money from my XXXX, XXXX and Coinbase accounts on XX/XX/XXXX and XX/XX/XXXX. The XXXX and XXXX accounts were refunded as they could see the fraud. 
I have a XXXX Police Case that is being current investigated and XXXX and XXXX have refunded me the money but Coinbase is not helping at all and putting the onus on me. They have already closed 1 claim that I filed almost 2 weeks ago so I had to call back and have to open Coinbase case number XXXX in an attempt to get resolution. 
Every time I call them I have 2 to 3 hour calls that get routed to the XXXX with no resolution or anyone taking ownership of the issue. 

The email where all the crypto was transferred to was XXXX and this aligns with the {$900.00} that was stolen from my XXXX that XXXX refunded and the attempted {$9100.00} that XXXX prevented from being stolen from XXXX and then another {$110000.00} that was attempted to be stolen from my XXXX XXXX Account and the moneys were not transferred thanks to XXXX but the receiving account was to To : XXXX XXXX XXXX XXXX that is a XXXX XXXX XXXX. 

XXXX, XXXX and XXXX have assisted and refunded me but Coinbase, that advertises and states " The future of money '' and that they continue to say " We're the mot trusted place for people and businesses to buy, sell, and use crypto '' is falling far short of their promise to their customers especially since I identified the fraud and locked by account back on XX/XX/XXXX and it is XX/XX/XXXX with barely any follow up and the customer server Coinbase people closing my claiming and not investigation or attempting to get my money back. 

This loophole and their security practices need to change to avoid other consumers like myself from being hacked and my hard earned money and crypto easily transferred to nefarious criminals without proper 2 factor or safe guards in place to prevent from this happening. 

I am copying the .csv XXXX that is fraudulent and the ones I am contesting pasted below so please copy and paste into XXXX and hopefully them will format cleanly from Coinbase XXXX 

I request your assistance with this issue and would appreciate any help in retrieving all of the money stolen from my Coinbase account. 

ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( inclusive of fees and/or spread ) 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 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 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
Consumer complaint received 2024-06-05
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: United Collection Bureau, Inc. (MI)

On XX/XX/2024 I received a notice from United Collection Bureau stating that I had owed them. I respectfully asked them to show me an original contract that showed that I had taken into a contract with this company. I sent them by certified mail return receipt a questionnaire as well as a letter not refusing to pay if they could show me. To no avail they kept sending old copies of a contract that was taken with them nor did they complete my questionnaire. I actually gave them the time allowed by the FCDPA and FCRA. I sent them XXXX ( XXXX ) notices in which I have attached here within. They ignored all three ( XXXX )
Consumer complaint received 2024-06-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NE)

My issue is two-fold : 1. For almost 2 weeks, I have not been able to log into my Mohela account. I have tried contacting the servicer several times but I am met with wait times over 1-3 hours. I have a job that does not allow me to be on the phone all day waiting. I am worried that with me not being able to log in to the website to make a payment, I will get derogatory marks on my credit report for the lack of their system not working. I am met with this error when trying to log into the website : " System-Platform Transfer Notice Your federally-owned loans serviced by MOHELA have begun to transition to our new loan servicing platform. Your loan information in the phone system and online will be available once the transition of your loans to the new platform is complete. Your loans will still be serviced by MOHELA. '' This should not be this long of an ongoing problem. 

2. The second issue is, that over the last 2 years, I have submitted via mail to Mohela to have my loans forgiven. I qualify under XXXX since I have qualifying federal student loans to be forgiven working for a qualifying public service employer and have made XXXX qualifying monthly payments. I have submitted the proper documents 3 times to Mohelas office : XXXX XXXX XXXX, XXXX XXXX, MO XXXX. They have shown on the website and stated on the phone that they have received my requests and are being processed. However, that is the state they have remained in for over 2 years. These need to be processed so my loans can properly be dismissed so I can stop making unnecessary payments.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

An IRS accepted 1099-C demonstrates the debt has been canceled, and the forgiven amount is considered taxable income by the IRS, which must be removed from my credit file. This inaccurate report has unjust, illegal consequences on my credit report and score. 

The report is inaccurate and misleading, and I've provided supporting documentation, such as the 1099-C form, to prove that the debt has been canceled.
Consumer complaint received 2023-04-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

on XX/XX/2023 I sent out letters regarding inaccurate and unknown things on my credit reports to XXXX, XXXX, and XXXX. On XX/XX/2023 I sent a certified letter to Portfolio Recovery Associates and XXXX with no response from XXXX, I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days which means it needs to be deleted promptly. I demand these accounts to be removed immediately or I will file for litigation due to the stress this has caused me. My information has also been impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL 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 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

Many weeks in a row my employer transfers my funds and for some reason my bank pretends like they dont have the funds and they always blame it on my employer although I have proof from my employer that they have transferred the funds and even provide me with a trace number. 

Multiple weeks in a row this happens and the funds are always multiple days late being deposited into my bank account. This is unacceptable and needs to be rectified
Consumer complaint received 2024-06-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (GA)

On XX/XX/XXXX, Ally Financial issued an auto loan to XXXX XXXX XXXX. This was 13 days after his death on XX/XX/XXXX. 
This loan now appears on his credit report as a bad debt. 
I wrote a letter to Ally Financial on XX/XX/XXXX requesting a letter from them stating : 1/ Loan was not taken out by XXXX XXXX 2/ His estate is not responsible for the debt 3/ Confirmation they had removed the record of the loan from his credit report. 
Received a call from Ally Bank on XX/XX/XXXX stating letter had been sent. 
Called Ally on XX/XX/XXXX - letter was sent to wrong address and only states account was closed. They do not confirm the information is removed from the credit report and it has not been removed.
Consumer complaint received 2024-06-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

Last month, I lost access to my account at MOHELA during the servicer transition. Then, Sunday night ( XX/XX/XXXX ), I received an email stating my transition was complete and to create a new account. When I set-up my account, I saw I had a bill due XX/XX/XXXX, which is in XXXX week. 
I do not find this time frame acceptable, and believed from previous information posted by the ED that I would have a minimum of 21 days notice. Additionally, I was actively trying to keep track of my due date when I didn't have access to MOHELA, and my studentaid.gov account stated that I didn't have a due date until XX/XX/XXXX and was in forbearance. Then, the date on studentaid.gov changed to a due date of XX/XX/XXXX, which has already passed. This also didn't make sense because I paid my XXXX bill prior to the transition. This process has been stressful, inadequate, and confusing, and I believe MOHELA has not lived up to the repayment process requirements set forth by the ED when student loan payments resumed last fall. As soon as my loan transferred to MOHELA this spring there was an issue with the amount the attempted to deduct and I had to be put on administrative forbearance while they sorted through the issues, so Ive only ever paid one bill through MOHELA. Lastly, I have never been able to contact MOHELA and receive consistent information ( including today ) and I've had to read ED memos to them over the phone to get them to do the right thing. They've been a nightmare. As a loan servicer, why are they allowed to bill me with only one weeks notice? And if I hadnt been diligently searching for communication, when would I have seen it, as I never received an actual billing statement in my email, other than what was in my messages on the new account, and dated XX/XX/XXXX, XXXX day before I even gained access to the account. I should receive an adequate time frame to pay my bill, especially considering how unreliable and frustrating MOHELA has been since I was first moved to them in XXXX and again in XXXX. Please help.