davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (TX)

This is a fraudulent report. This debt does not belong to me. I have communicated this to XXXX multiple times via phone and in person. I have an active and paid up account with XXXX in my name. I had to dispute this to even get the account. A collection agency reached out on behalf of XXXX via mail on XX/XX/XXXX. I called immediately to dispute this matter. I was instructed by XXXX to share by email XXXX ) photo ID XXXX ) copy of my lease for the dates of XX/XX/XXXX to XXXX and then to fill out the XXXX ) fraud affidavit packet. I submitted all of this information on XX/XX/XXXX. I never received any follow-up communication or additional debt attempts. Collection told me they would freeze reporting on this. Again this is fraudulent and not my debt. Someone used my information to get this service. I did not live at the address they listed. this is not ok to report on my credit.
Consumer complaint received 2024-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-05-25
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: EQUIFAX, INC. (NC)

I sent a letter to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$3400.00} XXXXXXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$180.00} XXXX  XXXX Balance : {$4400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I am writing to dispute the following information on my credit report. I have contacted XXXX XXXX XXXX and XXXX XXXX XXXX, and have confirmed that the reported information is incorrect. Below, I detail the inaccurate information : Account : XXXX XXXX XXXX ( Auto Loan ) Account Number : XXXX Type of Inaccuracy : XXXX late payment Date Reported : XX/XX/year> Account : XXXX XXXX XXXX XXXX Credit Card ) Account Number : XXXX Type of Inaccuracy : 30-day late payment in XXXX and XXXX Date Reported : XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), I have the right to have accurate and verifiable information included in my credit report. Under the FCRA, 15 U.S.C. 1681i, credit reporting agencies must investigate any disputed information within 30 days. This information reported by XXXX XXXX XXXX and XXXX XXXX XXXX is inaccurate and is negatively affecting my credit score. I kindly request that you investigate this dispute and remove the incorrectly reported late payments from my credit report.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (MO)

Hello my name is XXXX XXXX. and I am on XXXX and selected to use the debit card that the XXXX uses. The bank is Comerica and the card company is Direct Express. I placed several online orders with XXXX, my account was debited twice for XXXX different orders. I spoke with XXXX to see if they submitted the purchase amounts multiple times. XXXX states that they only submitted the amount once. I contacted the bank ( Direct Express ) to dispute the charges on XXXX different occasions and each time my claim was denied. 
I have 10 different charges from 10 different orders that amount to over {$700.00}! I included my bank statements which show the duplicate charges. and each time Direct Express still denies my claim. I don't know who else to contact regarding this. Any information that you have that would help me, would be greatly appreciated. 
I am enclosing the order numbers, order date, duplicate date & the amount of the purchase. 
XXXX Order Number Order Date Duplicate Date Amount XXXX XX/XX/23 XX/XX/23 {$300.00} XXXX XX/XX/23 XX/XX/23 {$21.00} XXXX XX/XX/23 XX/XX/23 {$17.00} XXXX XX/XX/23 XX/XX/23 {$67.00} XXXX XX/XX/23 XX/XX/23 {$53.00} XXXX XX/XX/23 XX/XX/23 {$100.00} XXXX XX/XX/23 XX/XX/23 {$32.00} XXXX XX/XX/23 XX/XX/23 {$47.00} XXXX XX/XX/23 XX/XX/23 {$4.00} XXXX XX/XX/23 XX/XX/23 {$68.00} Total {$720.00} I am also enclosing the claim dispute numbers that have been assigned to my complaint : XXXX, XXXX, XXXX I would appreciate any and all help in this matter, Direct Express has been very unresponsive to my concerns. Someone from the Claims Dispute department called one day, left a voicemail telling me to call her back at the number on the back of my card. When I called back, which was in a matter of minutes. I was informed that they could not transfer me to the dispute department because they could not receive calls, as they could only call out. While on the phone the representative that I was speaking with informed me that my case had been closed because they had not been able to reach me by phone and my case was once again denied. 
I thank you in advance for any help that you can give me in this matter. Please feel free to give me a call regarding this matter @ XXXX
Consumer complaint received 2018-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (NY)

On XXXX/XXXX/18, i submitted {$24.00} USD/BTC through coinbase to XXXX for BTC. I was charged over {$18.00} USD in fees and i can not reach the coinbase or whoever charged me the fees. I have done transactions to XXXX before with coinbase and never charged so much. XXXX received only a little over {$5.00}.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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. 


XXXX Never Sent the periodic statement along with the disclosures from section

1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never
provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to follow up on my previous dispute regarding a fraudulent account that is still erroneously reporting on my credit report. Despite my efforts to rectify this matter, the fraudulent account remains unresolved and continues to negatively impact my credit score. 

As I stated in my initial dispute letter dated XX/XX/year> I have never opened or authorized the account in question. I have taken all necessary steps to report the fraud to the appropriate authorities, including notifying the creditor in question of the fraudulent activity. 

It is disheartening to see that the fraudulent account is still present on my credit report, as it has caused significant distress and financial hardship for me. This inaccurate information has affected my ability to obtain credit, secure loans, and even impacted my employment prospects.
Consumer complaint received 2023-08-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: AMERISAVE MORTGAGE CORPORATION (GA)

On XX/XX/XXXX, as part of a mortgage refinancing condition from AmeriSave Mortgage Corp., I received a grossly negligent appraisal on my intown XXXX house from XXXX XXXX XXXX in Georgia. The XXXX sq. ft. home was sorely undervalued at {$390000.00}, and the appraisal was filled with inaccuracies and omissions. The appraisal omitted or disregard the attached two-story XXXX sq. ft. deck, the attached carport, the XXXX storage room, and several appliances. The appraisal also falsely asserted that the house was not in an appreciating neighborhood, when values in the area has been and still are increasing, and it did not upwardly adjusted the value of the comparables accordingly. 

I immediately appealed to both the lender AmeriSave and the appraiser XXXX. The lender said that I can only use their assigned third-party company XXXX for any appraisals or reconsiderations. On XX/XX/XXXX and XX/XX/XXXX, I filed an appeal for reconsideration and a supplemental appeal, detailing every negligence or error made by the appraiser. The appraiser responded on XX/XX/XXXX with a denial of my appeal, and not changing the appraisal at all, keeping the appraised value at {$390000.00} meanwhile, not addressing any of the several points of error that I brought up in my reconsideration request. 

In the meanwhile, I sought a second appraisal opinion from an independent, highly reputable appraiser, XXXX XXXX. XXXX XXXX  appraisal was more detailed and carefully prepared. The appraisal, dated using the same facts of XX/XX/XXXX, was {$430000.00} an almost 9 % difference in valuation. I also provided XXXX XXXX with the original appraisal from XXXX as well as my reconsideration request and the companys response. He noted the various errors made by the previous appraiser XXXX. 

Unfortunately, this negligent, erroneous appraisal by XXXX, the company that AmeriSave insisted that I use for appraisal, was {$5000.00} less than the minimum {$400000.00} required to receive the rate-locked refinance loan at 3.125 %, and as rates had just begun to skyrocket, I was forced to accept the loan at 4.275 % which although lower than todays current rates, is quite a significant difference in monthly and longterm payments. In addition, I as the homeowner suffered other major financial and market losses due to the unfair and negligently prepared appraisal of the home.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

on XXXX I submitted an online request to redeem rewards {$210.00} to personal checking account. the online system stated " Congratulations! Your rewards have been redeemed to your account. '' No other information provided. No delay or timeframe stated. 

I checked again XXXX, but same result. {$210.00} not credited to account. 

This appears to be yet another exampe of well fargo systems not accurately disclosing facts and details of results ( I have submitted many internal reports to wells fargo of system problems, glitches, and misrepresentations ). 

I called rewards department and they immediately disclosed that online redeeming can take 5 to 7 days ( business days? ) I requested several details including a ) why system shows as processed on the rewards site and available ( very opposite of what rep told me ), b ) why delayed, why not automated, why not staffed properly? 

As usual I received no useful answers to any of my questions. I explained I was filing a complaint and they offered to transfer me to file a complain, but that transfer simply took me back to the same queue ( which happens most of the time ). 

I find wells fargo lack of attention to detail and having their online systems glitch and totally misrepresent what I am told on the phone, unacceptable. They need to seriously hire a competent group to go through the website and these types of complaints and investigate glitches and disclosures and correct. It is concerning a bank can get so much wrong on the their systems. 

Another example is online balance tranfser request for new credit card. I was misinformed via phone I could initiate balance transfer while new card was in transit ( in XXXX ). when system would not allow and they could not due via phone, I escalated. Supervisor informed me it is NOT possible until card received, and rep totally mis-informed me. In XXXX, i did to 1 balance transfer online, but several follow-up attempts to do another transfer failed over the next week. Phone support couldn't explain why system locked out online balance transfers even days after earlier transfer was processed. I filed wells fargo complaint via phone, and system finally unlocked days later, but follow-up on details could not be explained by Wells Fargo XXXX I have the impression Wells Fargo doesn't follow-up or track these system problems due to lack of information I could obtain on the types of problems with follow-ups days and weeks later.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (CA)

Goldman Sachs has provided me with a 1099-C evidencing the {$2700.00} that was cancelled ( attached ). Yet the debt is still reflected on my credit report and file. Since the last report on the XX/XX/XXXX, Goldman Sachs. They will have 3 business days to perform and communicate with all credit reporting companies and bureaus. 

Please be advised, by filing these 1099s, 1098, etc will be placing me ( a private party ) in a position of a public officer, therefore, in clear violation of 18. USC 912. Just know that I did not consent to this and it is legally impossible, furthermore you can not pursue any legal action in any state court because as a foreign entity, you have no jurisdiction.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> XXXX SSN : XXXX Subject : Request for Correction of Personal Information Under FCRA Dear Sir/Madam, I am writing to formally dispute the accuracy of personal information in my credit file. I have noticed discrepancies that need to be corrected as per the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( 15 U.S.C. 1681i ), which mandates that credit reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of being notified. 

Here are the details of the inaccurate information that I request to be updated : 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 According to the FCRA , you are required to re-investigate the items in question and modify, delete, or permanently block the erroneous information from my file if it is found to be inaccurate, incomplete, or can not be verified. 

Please ensure that the necessary changes are made and send me a written confirmation of those corrections. Should you require additional information or documents to complete your investigation, please feel free to contact me directly. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} 15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt Without limiting the general application of the foregoing, the following conduct is a violation of this section : 15 U.S. Code 1692k - Civil liability Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX To whom it may concern you have violated my rights under the FCRA. 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ). 

Late payments ACCOUNTS : Need removed BELOW. 

18 usca I owe no debt this company is violating my rights to privacy pursuant 1681b 2 company has no permission to report anything using my info pursuant to 15 usc 1681.4 XXXX XXXX  with account number XXXX Remove due to inaccuracy - I never agreed to this XXXX  with account number XXXX Remove due to inaccuracy - I never agreed to this XXXX  with account number XXXX Made by your company XXXX on XXXX XXXX 


XXXX XXXX, XXXX XXXX ( bank ) XXXX, XXXX XXXX Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

Thank you for your time and attention to this matter. 
XXXX XXXX
Consumer complaint received 2024-05-24
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. (NY)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC (IN)

My wife left me a couple of months ago. Just recently I started getting notices from debt collection agencies over fraudulent debt that she took out in name over the last couple of years. She currently has me around {$30000.00} in debt. I have frozen my credit and tried to file a police report for identity theft, and contacted the prosecuting attorneys office, but they both told me that since we are still legally married that I can't do anything about it.
Consumer complaint received 2023-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MD)

I received an unsolicited Amazon Business Card from Synchrony Bank. Amazon then decided that the card was my default payment method and started charging all of my purchases to it - not just my business purchases. 

I have not received a statement and when I called - after finally getting a human being on the phone I was told I had asked for electronic statements. Not so much- and I haven't received any of those either. I checked diligently - no such statement. 

When I requested a paper statement I got a major league run around but the agent finally agreed to send me a paper statement. The matter was complicated by the fact that English was clearly not the agent 's primary language.

She then told me that it would take 3-4 weeks to get me a paper statement.

The whole thing is a violation of the Fair Credit Billing Act. Amazon and Synchrony are both culpabl and should get called on the XXXX XXXX.