davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC (NY)

I discovered that I had locked access when trying to accept an offer to make a payment and bring my account current. I paid by phone on XX/XX/XXXX and brought the account current while being told the payment would restore my access after the payment is processed within a few hours. It did not work. Through a half dozen calls since then, spending in total close to five hours on hold with the customer service advocates and origination departments over two weeks, I have been unable to restore access to my online account. I have no way of making a payment, validating the debt, modifying my payment source, or even tracking the progress of paying it down. This is a violation of my rights as a consumer and debtor and they need to correct it. What's worse is that their phone service does not allow anything related to online account technical support -- you're only given the option to refinance or pay your account. You can only speak to two departments. I was told I didn't qualify speaking with a supervisor based on my problem and no one seems to have any idea how to help me. Frankly without a validation of debt I don't see how they have any legal right to keep collecting from me.
Consumer complaint received 2024-06-27
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)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNCOAST CREDIT UNION (FL)

On XX/XX/2023, i sent a verbal and an electronic message to representatives of Suncoast Credit Union requiring them to immediately close all of my accounts associated with Suncoast Credit Union due to their predatory fee policy. This wish was not honored and as a result, i have a negative balance on my Suncoast Credit Union checking account because of NSF fees charged to this account after XX/XX/2023. My accounts had positive balances when i sent the verbal and electronic notices requiring the immediate closure of all my accounts at Suncoast Credit Union on XX/XX/2023.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-25
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 according with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentially 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 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 XXXXXXXX 15 USC 1681 section 602 A states i have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without 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 items of information, other than records of convictions of crimes which antedates 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 2023-08-04
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: Experian Information Solutions Inc. (GA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. It appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2024-04-25
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: Experian Information Solutions Inc. (SC)

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 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

To Whom It May Concern : I XXXX XXXX am writing this letter on behalf of myself. In the month of XXXX, I opened an account with Truist Bank, with hopes of building a relationship. I made a deposit using one of the accounts I had with Truist for an amount of {$200000.00}, this amount was in the form of a check from the United States Department of Treasury, for the XXXX. Truist is telling me they are holding all of my funds, and that I need to contact the maker of the check in order to receive my funds. I just received a statement in the mail, and the present balance in the account is {$100000.00}. Truist in no way can prove that these funds do not belong to me. I spoke to several banking representatives of Truist and none of them can tell me the reason for holding the funds. I have shown all proof, as I opened my account inside the branch with the Vice president of Truist, as well as deposited my check. I have heard amazing things about Truist business products, as this was my initial reason for opening my account. Truist has shut down both of my accounts, but hasnt sent me any correspondence as to why, and when will my account be terminated, but somehow, XXXX cant access my funds, it has now been over 60 days and my money hasnt been flagged for fraud, etc. Truist is illegally holding my funds, and the department of Treasury said they havent received any funds from Truist. This is considered fraud and discrimination. I have waited almost a year for my XXXX funds to come, my business is still being affected because the funds I anticipated on receiving Truist are now holding, without any valid reason which isnt legal. I want my money released including the interest the account received from holding the funds. I still havent recieved any correspondence about account closure, so as of today XXXX the representative is stating the account is still open, and the notes say do not release, or unblock account. I also was able to record all conversations with permission
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (GA)

My account with Apple Card was closed unexpectedly on XX/XX/24. I contact Apple Card Support on several times that same day to inquire why my account was closed. No reason was ever given, to this day. I was told to refer back to my card user agreement, however no reason was ever given. 


Prior to my account being closed, I was disputing some charges with a merchant, XXXX. I made some transactions and the quality was subpar and they weren't willing to help, so I then reached out to Apple Card Support. They were helpful with getting the disputes filed. But when investigating the claim they were denying the claim for reasons outside of the scope of what I was alleging the issues were. Apple Card Support was always accommodating when I followed up and re-opened the dispute. I explained to them each time that I was disputing the charges because the merchant said that they would reimburse me for the purchase and never did. The quality of the items in which I purchased was subpar and not what we agreed upon. I relayed this info to Apple Card Support and sent them correspondence, pictures, screenshots, messages, and even repair quotes .... All this was done and when I submitted the dispute on XX/XX/XXXX, my account was closed shortly thereafter. I can only draw the conclusion that they did not want to protect me as the consumer in this transaction. Apple Card Support consumer protection is blatantly absent and they hide behind nice customer service while exposing consumers and then closing their accounts.
Consumer complaint received 2023-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received a copy of my credit report and found the following inaccurate item reporting error. Transunion has failed to delete the negatively reported debt from my credit profile. XXXX XXXX XXXX. Account # XXXX, for {$7500.00}, is closed and was settled, and taxes were paid via the attached 1099-C for 2020. 

I have sent Transunion many letters requesting that they investigate this account, which I believe is reported incorrectly. This is a violation of the Fair Credit Reporting Act. 

Under the provisions of the Fair Credit Reporting Act, I would like to ask that this inaccurate account be removed from my credit report as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-30
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. (GA)

I was advised by a XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these Unauthorized inquiries on my report. 

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 2024-04-25
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: Experian Information Solutions Inc. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Consumer complaint received 2023-09-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have accounts at BOA, I got scammed and sent money to the scammer three different times via wire transfers. The first transfer was completed with payment of {$24000.00} to an individual account on XXXXXXXX XXXX from online banking on XXXX  The second transfer was completed with the amount of {$35000.00} on XX/XX/ and the third transfer was completed with the amount of {$30000.00} on XXXX Those XXXXwo transfer sent to the same account of BOA. the account name was under " XXXX XXXX XXXX '' which is a property management company. The scammer told me I am making payments to XXXX XXXX XXXX XXXX This is totally scammed. I found all true information via XXXX XXXX after I made all money transfer. I called back a week later to refund my money or cancel the transaction. They say they can only try with first transaction ( {$24000.00} ) since this was made on online backing. Other two transactions are not possible even though it was transferred to the same bank ( BOA ). Please help me to get a refund my money. I have all evidence that supports I got scammed. I got scammed by people in XXXX. they left me with bunch of debt and broke my heart.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XX/XX/23 I attempted to utilize Capital Ones convert rewards feature to one of their travel partners ( XXXX XXXX ). When attempting to do the two step verification process, it was unable to verify my phone number and said to select a different verification method. No other methods were offered for verification. I called the help number and was transferred to no fewer than 10 customer service representatives who were unable to help. I had to purchase {$700.00} worth of miles for my upgrade rather than using the XXXX miles in my account. When I called the help desk to check on the status of my case, I was told only a complaint had been filed and that this was happening to 10 % of their customers with no end date in sight. Their solution was to reimburse my purchase with miles. The upgrade through their travel partner was XXXX miles. To cover my {$700.00} purchase, I would need to use XXXX miles. This would mean that I need to use XXXX more miles. This solution was apparently acceptable to the company as it benefits them. The sole reason I opened this account was for their rewards program with their travel partners. My XXXX miles are now being held hostage if I can not use the convert rewards functionality.
Consumer complaint received 2024-04-25
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: Experian Information Solutions Inc. (SC)

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 EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts 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. Please see attached file for these items I am complaining.
Consumer complaint received 2023-09-21
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

First dispute filed XX/XX/XXXX for the amount of {$1100.00} claim # ending XXXX was repeatedly being denied finally was ruled to my favor till XX/XX/XXXX nearly 8 months. Second dispute XX/XX/XXXX for the amount of {$2700.00} claim number XXXX was being denied till XX/XX/XXXX was ruled to my favor after 3 months. Third dispute XX/XX/XXXX {$860.00} claim number ending in XXXX was being denied repeatedly till XX/XX/XXXX over 4 months of disputing. Forth dispute XX/XX/XXXX {$1500.00} claim number ending in XXXX disputed for XXXX weeks till XX/XX/XXXX. My favorite one been disputing since XX/XX/XXXX for the amount of {$5200.00} claim number ending in XXXX and Im Ive yet to receive my money back today is XX/XX/XXXX Ive filled a police report number ending in XXXX a ftc claim number ending in XXXX a fdic claim number ending in XXXX and XXXX separate CFPB claims numbers ending in ( XXXX ) - ( XXXX ) - ( XXXX ) and yet havent received anything yet this is ridiculous if any one bothers to ask I may want to ad BofA has a huge security problem with their prepaid cards and someone needs to address this immediately!!!
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I am liable for this debt with XXXX XXXX XXXX XXXX I did not have a contract with XXXX XXXX Acct # XXXX they did not provide me with the original contract as I requested.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (NY)

WHILE GOIN OVER MY CERDIT REPORT I NOTICE A NUMBER OF UNFAMILIAR ACCOUNT IN INQURYS THAT I DID NOT AQRIUE AFTER REVIEW THIS INFORMATION IVE TOOK STEP WITH THE LOCAL PD TO HAVE THESE ISSUE INVESTIGATED IN WOULD LIKE THEM TO BE REMOVE OF MY FILE.
Consumer complaint received 2024-01-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

Coinbase won't let me withdraw my fund for no reason I have been a Coinbase customer since XXXX. I deposited funds into Coinbase from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, I received an email stating that my funds would be held for 30 business days to protect me from fraud. Subsequently, I received an email requesting identity verification. I completed all the necessary steps Coinbase asked for until I received an email on XX/XX/XXXX stating that my funds are available for withdrawal. However, my account was then restricted, preventing me from withdrawing my cryptocurrencies. I am also unable to withdraw to my bank account or XXXX, and I can not add my bank account in the additional payment methods section. Currently, I can only trade on Coinbase and can not withdraw funds in any form. it has been 2 months since I deposited funds into Coinbase And every time I contact them, they say that my account is under review, and please wait until the the review is done. 
I have contacted the support department four times, answered the requested questions, and finally received a notification to continue waiting. My Coinbase support cases were : # XXXX, # XXXX, # XXXX, # XXXX.
Consumer complaint received 2023-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AZ)

LVNV FUNDING HAS continually reported incorrect, untrue, and constantly changing the method of reporting creating an unfavorable financial profile thus KNOWINGLY AND INTENTIONALLY damaging, interfering, and stalling any opportunity for I to be able to obtain any type of credit function in 'PURCHASE MONEY LOANS '', housing rental nor a mortgage. 
This has been disputed prior on multiple attempts with requests to provide " PROOF '' of Debt being owed between I and LVNV Funding to no response in this matter. No factual evidence has been brough forth of a true obligation with a " contract ' with wet ink signature. No 'PURCHASE AGREEMENT ''. Nothing to the effect of any contractual obligation of a debt relationship of a creditor-debtor nature. 

This amount is not owed to LVNV Funding as no true lien exist through the legal court system evidencing an obligation, especially as no lien exist through the STATE OF ARIZONA SECRETARY OF STATES OFFICE in the form of a UCC Financing Statement nor a UCC 3 Amendment establishing and evidencing the fact. 

NO LIEN, NO DEBT OWED. REMOVE IMMEDIATELY THE CURRENT AND FUTURE REPORTING OF A FALSE AND UNTRUE DEBT. 

Remedy in the form of litigation pursuing damages will be brought forth. 
and lastly, LVNV Funding is in violation of copyright trademark infringement and has currently 11 violations in the fine amount of {$250000.00} per occurrence per vendor violation. This is going to be sought through litigation especially if no correction is conducted by LVNV Funding effective immediately.