davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Coinbase, Inc. (CA)

I am unable to access my Coinbase account. There was over {$8000.00} in there. I was told I'm unable to log in because I have a home in XXXX. I also live in the State of XXXX. I just want to close the account and have my money returned to me.
Consumer complaint received 2024-04-21
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. (VA)

According to 15 U.S. Code 1692c - Communication in connection with debt collection c : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Reporting to the consumer reporting agencies is a form of communication. The following companies have reported a collection on my credit report and have violated my consumer rights. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX Acct. # XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Acct # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MN Acct # XXXX I am requesting these accounts be deleted from my reports.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (CA)

On XXXX XXXX, 2023 I made a purchase of almost {$2000.00} through PayPal 's 4 installment plan. Instead, PayPal, without my authorization, automatically opened a PayPal Cash Back XXXX XXXXXXXX XXXX XXXX in my name, and placed the charge on that credit card. I have not received the card, nor have I activated the card as requested on the PayPal website. 

I phoned the PayPal Fraud Department, and they indicated they would investigate and report the issue to the " credit bureau. '' I attempted to explain that that the product was purchased under the 4 payment plan, but I gave no authorization and made no application for a PayPal credit card, or for the use of one.
Consumer complaint received 2023-09-25
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 won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. I implore you to expedite the resolution of my identity theft disputes without further delay. I require a comprehensive investigation into these matters, the removal of fraudulent accounts from my credit report, and the restoration of my financial standing. My rights, as a consumer, must be upheld, and justice must prevail. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts immediately.
Consumer complaint received 2023-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please, on several occasions I have contacted the transunion agencies because I have some questions that I never authorize the companies to obtain my credit report, and they say they can not help me, these are the questions I am referring to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

Claim number:XXXX  Dear Wells Fargo Customer Service XXXX I trust this letter finds you well. I am writing to express my deep concern and disagreement with the recent denial of my dispute regarding unauthorized transactions on my Wells Fargo account. 

As my husband informed me that he had lost his wallet, which unfortunately contained not only his ID but also my Wells Fargo debit card. Disturbingly, someone gained access to the wallet and attempted to drain funds from various cards, including my Wells Fargo debit card. 

As a responsible account holder, I promptly contacted your customer service upon noticing these unauthorized transactions while they were still pending. Our immediate goal was to dispute the charges and prevent any further financial loss. 

This situation has added a layer of complexity and urgency due to the involvement of my Wells Fargo debit card. I believe the bank has a significant responsibility to protect its customers from fraudulent activities, especially when circumstances involve the loss of personal items like wallets. 

The unauthorized use of our funds has significantly impacted our financial stability, and we had hoped that Wells Fargo would take the necessary steps to rectify the situation. As I refuse to pay out of my pocket for the fraud I had done nothing. Thats not the kind of service I expected from the bank I trust with my financial and its not the kind of service any bank should be provide. I kindly request a thorough reconsideration of our dispute, considering the circumstances surrounding the loss of the wallet, the unauthorized transactions, and the urgency with which we reported them. 

We are fully committed to cooperating and providing any necessary information to support our case. Your prompt attention to this matter is crucial, and we trust that Wells Fargo will uphold its commitment to ensuring the financial security of its customers. 

Thank you for your understanding and cooperation.
Consumer complaint received 2023-09-21
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-03-30
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: Experian Information Solutions Inc. (FL)

Upon review of your inaccurate and invalid response to the Consumer Financial Protection Bureau ( CFPB ), this shall serve as the final submission to the CFPB in an effort to address the aforementioned matter. Failure to rectify this issue will necessitate the initiation of arbitration proceedings against your company for proper resolution. The original contract, executed face-to-face with the finance XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX of ( 60 months ), as indicated in the documentation. The contract, which you omitted from your response to the CFPB complaint, is presently in my possession and was revised subsequent to the CFPB 's litigation against XXXX XXXX XXXX. It is acknowledged that your business transactions occur through a privately-owned dealership. However, it is imperative to recognize that the dealership operates under your purview, and adherence to the provisions of the Truth in Lending Act is obligatory. Regrettably, the dealership failed to comply with these guidelines, and your attempt to obfuscate their errors via the dispatch of generic correspondence is evident. Furthermore, despite notifying the representative of the True Lending Act violation and requesting the retrieval of the vehicle, no action was taken until several days later, when I personally contacted the dealership and requested the intervention of a supervisor. Despite informing them that the vehicle was not in use, they insisted on scheduling a pickup, contrary to the stipulations of the True Lending Act. On XX/XX/2024, we dispatched documentation directly to your company along with our request. Your response, acknowledging " identity theft, '' is both erroneous and inadequate, as there has been no occurrence of identity theft. Enclosed herewith is the pertinent correspondence for your review. I hereby demand that all credit reporting activities concerning this matter be suspended until a resolution is reached either through the CFPB or via direct arbitration, per your preference. This communication shall serve as a record for future reference in the event that arbitration proceedings become necessary.
Consumer complaint received 2024-03-24
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC (TN)

I signed a contract with XXXX XXXX on XX/XX/2022 who is not listed on the XXXX. Before my first payment was due XXXX months later, I was informed that they had transferred/sold my mortgage to LoanCare which is a debt collection company without a judgement for non-payment. After XXXX months I was experiencing a financial hardship and asked LoanCare if we could renegotiate the contract because I was also upset that only {$200.00} a month was going toward the principal. They refused which forced me into bankruptcy. They are now threatening me with foreclosure. I am now sending a cease and desist letter once again demanding that they validate the debt and acknowledging the fact that XXXX XXXX had no right to allow LoanCare to take over the mortgage according to your website.
Consumer complaint received 2024-01-13
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. (AZ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$6300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX  XXXX Balance XXXX {$1300.00} XXXX XXXX  Balance : {$6300.00} XXXXXXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXXXXXX Balance : {$37000.00} XXXX XXXX Balance : {$6900.00} XXXXXXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXXXXXX Balance XXXX {$6300.00} XXXXXXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXXXXXX Balance : {$37000.00} XXXX XXXX Balance : {$6900.00}
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The Bureaus, Inc. (GA)

Inaccurate info on credit report from THE BUREAUS , INC . 
XXXX XXXX XXXX # XXXX, XXXX, IL claiming that I rented an apartment at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX and owe {$510.00} I have never, ever lived in Florida. Apparently, some crook rented an apartment in my name and was paying and left owing {$510.00}. My credit is horrific and its baffling they were able to infiltrate.
Consumer complaint received 2024-01-12
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. (PA)

Under federal law, Consumer Reporting Agencies CAN NOT report income. These companies have willfully violated the Fair Credit Reporting Act and I have proof. I have attached a copy of the 1099-C that was filed for the following 3 accounts. 

[ XXXX XXXX Account Number : XXXX ] [ XXXX XXXX  XXXX Account Number : XXXX ] [ XXXX XXXX  Account Number : XXXX ] I demand that these agencies do what is right and delete these accounts from my reports immediately.
Consumer complaint received 2024-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (WV)

I spent an inordinate amount of time on hold with with Federal Student Aid Customer Care, getting signed up for the SAVE program, and was approved. My FedLoan balance should have went down by $ XXXX but my new servicer ( XXXX ) still shows the old total and nothing regarding the SAVE Program. I should not have to do additional legwork because these programs and new loan servicing companies cant get aligned. 

After 10+ years of payments they actually have barely made dent in the loan principal. Its almost comical if it wasnt such a dire situation. Im not even sure if my payments were accounted for properly, as all records on FedLoan are completely inaccessible. On top of this, I was recently laid off from my job. So my total income in 2023 was a {$37000.00} ( $ XXXX of which was state unemployment benefits as Im looking for new work ).

Something must be done, and quickly. There is no alignment between the Dept. of Education and Loan Servicing Companies, and the voting public is getting incorrect information when they are making good faith efforts to get into an IDR program or some form of relief from these insane education costs. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MA)

On or about XX/XX/2022, I made a reservation using Marriott XXXX XXXX for a three-night stay from XX/XX/XXXX through XX/XX/2022, at the XXXX XXXX XXXX XXXX XXXX I used my Chase Visa Card /Amazon . The following day, I contacted XXXX to cancel the reservation. Marriott did not cancel and directed me to the hotel. The hotel refused to cancel. Meanwhile, I booked a new reservation for the same date at the hotel the same way ; which cost less. Upon learning about the new reservation, the hotel canceled the old reservation and said that they moved my payment to the new reservation. Within, 24 hours, I canceled the reservation and later booked a new reservation for the same dates at XXXX XXXX by Marriott. I contacted Chase to dispute any payment from the XXXX XXXX stating that I canceled the reservation. Chase put a credit and contacted the hotel. The hotel convinced Chase to keep the charges despite that I went to stay at the same Marriott XXXX XXXX. Chase held me responsible for goods/services that I never used despite that I disputed it. They said that they will report it to the credit bureau and kept the charge on my credit. {$640.00}.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am the author of this complaint and I have attached a copy of my driver 's license and social security card to verify my identity. I tried to apply for credit and was swiftly denied, which led me to check my credit report. I noticed several creditors and collection agencies that are reporting incomplete, incorrect, and downright fraudulent information. I have attached letters below in the attachments which will show the accounts that I am calling into question. 

The credit bureaus are allowing reporting in such a way that violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 15 USC 1681s-2b and 15 USC 1681b are being blatantly violated and from my research all parties can be held civilly liable. 

The credit bureaus are not conducting a reasonable investigation like they are obligated to do
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I filed my dispute because I believe the accounts mentioned in my attachment are not reported accurately or completely. The supposed clarifications or updates have left me with greater doubt. Now I want answers to these new questions but it won't let me register my dispute on its website, indicating the following message : " Dispute Temporarily Unavailable. '' I feel that any questions should be resolved and if there is no answer then they should be removed from the credit report until their investigations are completed. But they are not allowing me to make my disputes.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Subject : Complaint Against Credit Reporting Agencies for Non-Compliance with FCRA Dear Sir/Madam, I am writing to file a claim against EXPERIAN for their failure to comply with the Fair Credit Reporting Act ( FCRA ), which is adversely affecting my right to Credit. 
On XX/XX/year>, I submitted a dispute letter to EXPERIAN identifying inaccuracies in my credit report. These inaccuracies include unrecognizable and inaccurate accounts. According to the FCRA, consumer reporting agencies are required to conduct a reasonable investigation into disputed information within 30 days of receipt. However, it has been well beyond the mandated time frame, and I have yet to receive any correspondence regarding the resolution of my dispute. 
This lack of timely response from the Credit Reporting Agencies is not only a violation of my rights under the FCRA but also significantly impacts my ability to access credit based on accurate information.
Consumer complaint received 2023-11-22
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. (NY)

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2024-03-30
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. (NC)

On XX/XX/year> I mailed out my disputes to each of the credit reporting agencies requesting that validation of two collection accounts that appeared on my reports. I sent each dispute through USPS Certified mail with tracking and signature upon receipt. XXXX received my dispute on XX/XX/year> at XXXX XXXX according to the tracking. Experian received my dispute on XX/XX/year> XXXXXXXX XXXX according to the traciking. The Dispute that was mailed to XXXX was lost in the mail so I sent out a new dispute on XX/XX/year> also using certified mail and that dispute was received on XX/XX/year> at XXXX according to USPS tracking.In this dispute I requested that each CRA verify the validity of two collection accounts listed on my credit report. the collection accounts are owned by XXXX XXXX and XXXX XXXX XXXX first account being in the amount of {$5300.00} and the next in the amount of {$1600.00}. I formally requested that they investigate the accuracy of these collection accounts and provide me with all pertinent information gathered during the verification process. That would entail but is not limited to : XXXX. Verification of the debt amount and its validity.

2. Documentation showing the original creditor and the nature of the debt. 
3. Proof of any agreements or contracts that authorize XXXX XXXX or XXXX XXXX XXXX to collect on behalf of the original creditor. 
4. Any other relevant information related to the account in question. 
Furthermore, I requested that all correspondence regarding this matter be conducted through certified mail with a signed receipt to ensure proper documentation and delivery. I also included in the dispute that under the Fair Credit Reporting Act ( FCRA ), it is my right to request verification of any disputed items on my credit report and I expected a thorough investigation and prompt response within the time frame mandated by law. Each CRA " completed '' their " investigation '' no less than a week and did not conduct a full investigation on these accounts nor was I contacted or sent any feedback in regards to the validation of these said debts. I also have a document directly from one of the reported collection accounts ( XXXX XXXX XXXX ) that has a different account number than the one that is being reported to the credit bureaus and when I called and reported this to XXXX and Experian, it was " investigated '' and still verified as accurate which is in direct violation of consumer law and is subject to a civil action. I have given the CRA 's ample time to do their investigation and nothing was done about it. I want these accounts removed immediately due to the CRA 's violation of reporting inaccurate and damaging information to my credit reports all while reporting it as " verified ''