davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
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: Experian Information Solutions Inc. (TX)

I, a Federally protected Consumer, have contacted the companies and credit reporting agencies several times via USPS mail in regard to reporting inaccurate information on my consumer reports to no avail. These inaccurate inquiries are effecting my Rights and lending power. According to the Fair Credit Reporting Act 15 USC 1681 inaccuracies should be removed after an investigation of at least 30 days, I have contacted these companies including the credit reporting agencies starting in XX/XX/XXXX and there are still reporting inaccurate information on my report. I have even opted out which is my right to do so according to 15 U.S.C. 6802, 16 CFR 313.1-2, and The Privacy Act of 1974.

There are still several addresses on my report and there is only one address that is deliverable to me by the USPS this needs to be resolved immediately.
Consumer complaint received 2024-05-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: West Coast Servicing, Inc. (PA)

This 2nd mortgage was opened in XXXX for {$30000.00} from XXXXXXXX XXXX 
It was paid up until XXXX when I requested a modification. I was told that the first was modified and the 2nd was rolled into the first and I only had one mortgage. 
I kept paying my first mortgage and am up to date and in good standing. Now almost 10 years later a loan servicer from CA ( West Coast XXXX  ) sent me paperwork requesting XXXX or they will foreclose on my home. I have since hired a lawyer to help me work through this process. I have a conciliation hearing on XX/XX/XXXX. But since I never received any statements, notices, nothing I think this is unfair or predatory. When I asked them for a modification, they offered a XXXX loan at {$500.00} per month, with a balloon payment after 10 years of {$67000.00}. I am XXXX XXXX XXXX ; my wife is XXXX and a XXXXXXXX XXXXt. I am her sole caregiver. We live on Social Security only. This is why I have hired a lawyer to protect the home from XXXX.
Consumer complaint received 2023-05-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I received multiple calls form this company, provided my name and asked what the call was in regards to. They request that I provide information DOB or last 4 of social security number, so I disconnect the call. 

I received an email stated they will take me to court and sue me if I do not pay by XX/XX/XXXX. 

I tired through their site and chat to have information mailed to me and they require me to provide my information again and I refused, so they said they cant help me. 

I call and spoke to two reps who request I provide information asked for a supervisor and he asked for me to confirm the information he had on file. He provided my information and I confirmed that was correct information for me but was unaware of the debt. 

I asked for him to send the information in the mail to the address he had on file and to include the original contract and itemization. The supervisor XXXX refused and said he does not have to provide that information to me but as a courtesy I can view it in their website. 

I informed the site requires me to accept their terms and I do not feel comfortable doing that. 

The supervisor stated that is the only way and they will not mail me the information.
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Transunion, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed my credit report with your bureau. The amount owed are no longer outstanding for the following items : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$160.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT. I AM REQUESTING IT BE REMOVED IMMEDIATLEY
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

Dear Consumer Finance Team, I am writing to you with an urgent matter that requires your immediate attention. 

I am writing to bring to your attention a concerning incident involving my account, XXXX, which has been subjected to fraudulent activity. On [ insert date ], I received a notification indicating that my card, XXXX, was utilized to make an ATM deposit of {$7500.00} into an account ending in XXXX at XXXX Bank, located at XXXX XXXX XXXX, NC. 

When I discovered this unauthorized transaction, I immediately contacted my bank to report the issue and seek help resolving the matter. Regrettably, I was informed that no further support could be provided at that time due to a lack of additional information available to track down the transaction 's origin and identify the perpetrator. 

As a valued customer, I am deeply concerned about this fraudulent activity and its potential security breach. I kindly request your immediate attention to investigate this matter thoroughly, identify the root cause, and take necessary steps to prevent any future unauthorized access to my account. 

I am grateful for your prompt action and anticipated cooperation in resolving this concerning situation. Please keep me informed of any developments or actions taken to address this issue. 

Thank you for your attention to this matter.
Consumer complaint received 2023-12-26
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)

There are fraudulent account and inquiries on my credit report that need to be removed ASAP : XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2023 and a balance of {$18000.00}. 
XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/2023 and a balance of {$46000.00}. 
Inquiry from XXXX XXXX, XXXX XXXX on XX/XX/2023.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Northstar Location Services, LLC (MO)

on XX/XX/year> the company called me, when I answered all that was said is that the phone call was being recorded and asked if my husband was present. I asked who it was, and the guy said " XXXX XXXX '' and then I proceeded to ask with what company, which he responded " NorthStar Location Services '' which I am not aware of them having any debts of mine or my husbands. I then brought up that I am pretty sure they are required to disclose who they are when they call, and the guy got defensive and said they don't have to provide that information, only if it's requested. I asked them what it was about, and they said it was a private matter. All of our debts are shared. I told them that I had informed North Star in the past to stop calling me. He said he would lose my number, however I am not optimistic that this is going to happen. The phone number this came from was XXXX.
Consumer complaint received 2023-12-26
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. (CO)

in accordance with the the Fair Credit Reporting Act, 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 has violated my rights 15 USC 1681 Section 602 ( a ) ( 4 ) states i have the right to privacy, 15 USC 1681 Section 604 ( a ) ( 2 ) : also states any consumer reporting agency can only furnish an account with my written instructions, they were never given written instructions
Consumer complaint received 2024-05-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (CA)

On XX/XX/XXXX, I received an email that I had opened an account with Affirm, which I had not. It was addressed to " XXXX XXXX '' which is not me. It appears that someone had used my email address to open their account and Affirm never even bothered to verify that they own the email account. Now I get all of this person 's servicing alerts to my email. 

I don't know how they even allow a random user to use an email address they don't even have access to, and I have contacted Affirm twice to have my email address removed from that account. Yet I still receive all these emails, the latest one today, the date of this complaint, XX/XX/XXXX. I just want them to remove it so I stop receiving continued servicing emails that one can not opt out of.
Consumer complaint received 2024-05-23
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: ID Analytics, Inc. (MS)

In XXXX of XXXX  went to get me a car and my credit was very low in the XXXX my credit has never been so low they are not updating my credit and things are on my credit that should not be my credit report should be a XXXX that is not fair I can not get a car with a XXXX credit score
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I am writing to file a complaint against Capital One concerning their handling of my credit card account after my XXXX XXXX XXXX account was compromised due to a data breach. 

Before the closing my Capital One credit card account, I contacted both Capital One and XXXX XXXX XXXXXXXX and arranged a conference call to ensure that Capital One was fully aware of the situation. Despite this, Capital One reported inaccurate information regarding my usage and balance to the credit bureaus. This occurred because XXXX XXXX  XXXX closed my account and rejected my credit card payments. 

I request your assistance in resolving this issue and correcting the inaccurate reporting.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (MO)

My Credit Karma Money account is randomly scheduled to be closed. I just received credits for a dispute and now I dont have access to my money. Credit Karma will not give me any information on this. They will not allow me to transfer my funds. They wont speak with me on the phone anymore. I cant transfer my funds to a different account. Credit Karma will not give me any information other than my account is scheduled to be closed. I believe I am also being racially profiled as they will not unlock my account or allow me to transfer funds. I have had no issues with this account as far as me being able to access my funds. Now that I received a huge deposit they lock my account and wont allow me access also while withholding information. Credit Karma approved my dispute and issued my funds back to me. Now they are not allowing me access to my funds.
Consumer complaint received 2023-12-26
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
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: Experian Information Solutions 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 XXXX : {$0.00}
Consumer complaint received 2024-05-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (OH)

Radius Global is attempting to collect a debt that does not belong to me. In addition, the debt doesn't belong to Radius Global. They have repurchased a fraudulent debt after the debt was verified as not mine by XXXX XXXX
Consumer complaint received 2023-12-26
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. (FL)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer XXXX have given you written, unwritten, verbal, and nonverbal Per XXXX XXXX XXXX Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent per usc 1681 I have disputed, called and requested removal of inquires that i didn't give authorization to 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. Never was i informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C IT 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
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am in utter disbelief. Just when I thought your company couldn't be any more disappointing, every day you surprise me. I haven't gotten a response initially on the first time I reached out regarding these wrong information on my credit report and who's to take responsibility? I feel neglected and unimportant and it feels you do not care about any of your consumers or their rights to what is being reported on their credit.
Consumer complaint received 2024-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc. (OR)

Its been too long years dealing with this. It seems like Im not gon na be able to get it done this year. I try to do my taxes. I cant do them without them so they blocked me from seeing my wallet because they were thinking, but they stopped because I made {$10.00} last year on those NFT and theyre trying to hide it or covered up. I dont know what theyre trying to do but they have all my entities and I wan na know why.
Consumer complaint received 2024-07-29
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. (NC)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-05-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Upgrade, Inc. (TX)

On XX/XX/XXXX I called upgrade to enter into a hardship program while I was laid off. Once completed the understanding was that I would am have access to my credit line again. That program was completed is XXXX of XXXX. 
My credit line was never reinstated. On XX/XX/XXXX I called upgrade to inquire as to why. They stated I verbally agreed that even after the completion of the hardship program, upgrade could indefinitely suspend my credit. I had a senior supervisor pull the call recording to which they confirmed I was NOT read that specific disclosure. This makes the contract illegal and invalid. At this point in time I had a XXXX credit limit with almost {$400.00} in available credit - but unable to use. The supervisor informed they would put my account in review. XX/XX/XXXX I received an email informing me my credit line was reduced to XXXX. Wiping out the pay down progress I had made. 

This disclosure is not printed anywhere on any agreements and was never verbally given to me. This is illegal.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (CA)

Bridgecrest company only sends emails and never sends a payment coupon so I can have an account of what I am paying monthly plus XXXX XXXX and XXXX are reporting late payments 15usb1682 new law that was started after 2022 the COVID pandemic
Consumer complaint received 2023-09-16
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: EQUIFAX, INC. (VA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX : {$1900.00}
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (LA)

I closed my account at US Bank on XXXX XXXX was told a cashier 's check was mailed out on XXXX! XXXX have made multiple inquiries about the status of my cashier 's check and have been told Multiple conflicting information about the status of the cashier 's check.Im still waiting for my check to arrive and today I was informed that my cashier 's check has not been issued yet.I asked to speak to a supervisor but apparently none were available.I gave them my phone number for the explicit purpose of returning my call.I was informed that I would receive a call within 24 hours.I find this unreasonable.My entire life is on hold as a result of the banks inconsistent information they are providing me I have never had such difficulty with a financial institution as I have experienced with this bank.

I need to obtain my money from the bank, but there seems to be road blocks preventing this.

I am seeking a resolution to this debacle.

Thank you
Consumer complaint received 2023-12-26
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. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I wanted to sign into my Capital One account to apply for a savings/checking account and regain access to my Quicksilver card. When I called customer service, they said they could send a verification code to my new number to process the number change. This option did not work, so they asked me to send a copy of my drivers license using a link they emailed me. 

I did as requested, but the request was denied because the images were blurry. The second time, they asked me to resend the picture of my drivers license along with a screenshot of the reference number. I complied again, and it was denied once more. 

I called a third time about this issue, expressing my frustration as a customer. They then asked me to resend my drivers license along with a copy of the reference number and a written log of my address. Today, the claim was denied yet again. However, I applied for a new Capital One card using the same images requested to change my phone number and was approved. 

They could not explain how my identity was verified for a new Capital One card application, yet still couldn't be verified for changing the phone number on my account, to sign in.