davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MA)

This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for XXXX made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, Experian, and XXXX XXXX ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA. 


Account name XXXX XXXX Account # : XXXX. 
Date Opened : XX/XX/2023. 
balance : {$6500.00}
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed this inaccurate information on my report for months, it is still causing a tremendous hardship and the information remains : =============================================== Overview Reference Number XXXX Date Filed XXXX. XXXX, XXXX Classification Bankruptcy Type XXXX XXXX Bankruptcy Responsibility Individual Asset Amount XXXX =============================================== Overview Reference Number XXXX Date Filed XXXX. XXXX, XXXX Classification Bankruptcy Type XXXX XXXX Bankruptcy Responsibility Individual Asset Amount XXXX ============================================== DEPT OF ED / XXXX Reported : XXXX. XXXX, XXXX {$73000.00} In good standing ============================================== XXXX XXXX XXXX XXXX Balance {$1700.00} Balance updated XX/XX/XXXX XXXX closed account
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I have submitted disputes to you, and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2023-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (NJ)

There was an unknown transaction on my card on XX/XX/2023. This transaction occured at XXXX store location for {$230.00}. I was not physically in the XXXX on that date and I had my debit card with me. I brought proof of my travel documents to M & T bank branch at XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX to bank representative. The bank credidted me the amount {$230.00} while they conducted their investigation. After XXXX  days I recived an official answer that my disputed transaction was denied despite proving to them that I was not in the country at the time of the transaction, I had my card physically with me in XXXX, and I never made any purchases at any XXXX location or online!
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom this may concern, I sent a letter to XXXX, XXXX and Transunion concerning the inaccurate information reported on my credit report by your company. I have sent a letter to each of the bureaus and the account came back verified by YOUR COMPANY. I want to know : how did you verify this inaccuracy? 

I have attached a letter to express of discontent. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the E-Oscar and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature. 
Attached : A complaint letter, copy of my Social Security Card, a copy of my FTC report and Drivers License is attached for proof of identity
Consumer complaint received 2018-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (KY)

I paid for concert tickets via the XXXX app and was scammed. I never received my tickets and attempted to cancel my transaction through XXXX as well as through my bank, PNC, but both have claimed they are unable to do anything at all. PNC will not let me dispute the charge. XXXX claimed they could not stop the transaction even though I called immediately after making the transaction and before it has been posted. I also called XXXX bank, the bank which the scammer claimed he has an account with, in order to report someone using an account for fraudulent activity. I was told by XXXX that there is no avenue through which to report something like that. I have also submitted a police report through the Internet Crime Complaint Center.
Consumer complaint received 2023-11-23
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: Affirm Holdings, Inc (NY)

I used Affirm multiple times and have never had an issue but this XXXX purchase. I purchased a product from XXXX using affirm and I didnt receive the product. The product was said to delivered but was not. XXXX did not ring my bell or alert me to any delivery that day. Instead I am told it was left downstairs in front of my building where it can be accessed by anyone without a key. I purchased this on XX/XX/2023. I have been going back and forth with XXXX and affirm explaining to them I have never received the package. The company did an investigation and took XXXX word that they delivered. I have had numerous deliveries with no issues and have used affirm and XXXX a lot. The XXXX time I have an issue they are unwilling to support in this matter. I shouldnt be responsible for a package that wasnt received.
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

I took an " XXXX XXXX '' offer that Barckay 's Old Navy card was having, to pay purchases in monthly payments at lower interest rates. I tried using it on a purchase of {$170.00} that I made on XX/XX/2023 so I made a 6-month plan. 

My statement of XX/XX/2023 came with the purchase on it, but because they didn't have an adjusted balance and it was not clear how to adjust the balance myself ( the customer service told me to calculate but by the time the payment for the whole balance was processed ), I paid the entire balance on XX/XX/2023 including the original purchase {$170.00} that I set on the plan. 

According to their wording, the {$170.00} that I paid should have paid off the " XXXX XXXX '' plan and stopped the interest. Instead, I realized on the statement of XX/XX/2023 that they are still charging interest and it appeared as if the plan was not paid. When called, they told me that they were using the {$170.00} to pay the plan in 6 months and customer service told me that they were going to remove the interest. Today XX/XX/2023 I see that the new statement has one month paid and is charging me {$2.00} for interest, and didn't return me the previous {$2.00} of interest. 

I don't think I should be paying interest on a plan that I paid in advance, that should have been paid off when I paid the whole balance on XX/XX/2023 According to Barclays : " You can pay your XXXX XXXX  XXXX  early by paying the most recent Statement Balance plus any new transactions that post to your account before your payment is received. This will pay off your statement balance, any new transactions, and any additional XXXX XXXX enrollments. If you pay off XXXX XXXX XXXX  early, you wont incur any future finance charges for these enrollments. ''
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2023 I see that a check was cashed for {$1500.00} dollars. I see that the intended recipient which was a previous landlord did not sign the back of the check, it was a different name. I called my landlord immediately who confirmed they did not cash the check. I reached out to chase who told me to submit a form in order for them to start the process. It required information about the check and it required my previous landlord to fill out the form confirming they did not deposit the check. After providing all this information to chase they continue to deny the claim for different reasons that don't really make any sense. I also had a roommate at the time who has chase as well we both submitted the same exact forms even compared them and his went through fine and got his money reimbursed as soon as chase sent the form to XXXX of XXXX stating there was a fraudulent check cashed. Chase refuses to send my forms despite constant calls. They also don't let me speak directly with anyone at the claims department it's only a call center that relays information and refuses to put me on with someone actually managing the case.
Consumer complaint received 2023-11-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: General Motors Financial Company, Inc. (WV)

GM sold me me a XXXX Cadillac Escalade with a couple thousand miles on it which is that when it hit XXXX miles the lifters went out which blew the head gasket. It has been sitting for a year and I am a XXXX XXXX XXXX that has to XXXX, XXXX, cab or walk in the rain and heat. There are law suits for some are bad among other recalls and non working parts of this years car. Cracking navigation screen, door knobs fall off, light covers fall off the back, transmission parts faulty, most engine parts are bad, they did not inform me like the law requires and no I DID NOT MOVE for XXXX years I ran across the recall that informed me that there was no air bags so I had them put in. They wrote it off now and it's ruining my credit. I still owed XXXX but was paying {$900.00} a month for this junk and now I can not afford another car. I asked them to buy it back, it's junk. They refused. I am not the only one XXXX XXXX GM and it's pathetic to give them any more bailouts for sure. I am to old now to finance another car and am a XXXX of a XXXX that died for his country but paid on this one for 7 years. I am to old to keep walking or finance another car and now at 30 degrees I can die walking. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America randomly charges XXXX dollar monthly maintenance fees with no explanation I just got one for XXXX, previously charged in XXXX, XXXX, XXXX, and XXXX. I would like a detailed explanation for this.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In alcordance with the XXXX credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 
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Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (MI)

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 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 my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2024-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/XXXX, I contacted Midland Credit Management Inc., disputing the debt and asked for a verification letter in which I have not received. They are garnishing my wages in which they have not verified the debt. The sent a letter of garnishment to my place of employment in which I did not give the permission nor did I provide the address to my place of employment. On XX/XX/ I sent a cease and desist letter certified mail and they have chosen to ignore the letter and continues to take my money illegally.
Consumer complaint received 2017-03-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I deposited XXXX money orders on XX/XX/XXXX and XXXX money orders on XX/XX/XXXX. I was not notified of a hold on the first deposit until after I already deposited the money orders on XX/XX/XXXX. Apparently, Bank of America believes that one of the money orders from the XX/XX/XXXX deposit is uncollectible and as such has placed an extended hold on that money order, plus all XXXX money orders in the XX/XX/XXXX deposit for no apparent reason. I have attached all of the receipts that should be relevant to this issue. The bank branch has reviewed the physical copies of most of the items and has informed me that they are still unable to release the hold. The hold times are in clear violation of Regulation CC. The hold on the one money order from the XX/XX/XXXX deposit has been released as the hold was apparently set to expire at XXXX on XX/XX/XXXX. The bank has no reason to believe that any of the money orders deposited in the XX/XX/XXXX deposit are uncollectible. They are simply using the second deposit hold to extend the first deposit hold longer than what may be legally allowable if the first deposit was subject to an exception hold. Not only is this a clear violation of the Regulation, it effectively allows the bank to hold funds indefinitely as long as deposits to an account are being made.
Consumer complaint received 2024-03-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Several years ago I opened a coinbase account and bought XXXX bitcoin for about {$250.00} each I sold XXXX of the bitcoin and have XXXX left in the account. 

Due to an account violation on my part my account was suspended about 3 years ago, but the XXXX bitcoin remained in the account. 

In XXXX or XXXX of 2023 I noticed how much bitcoin was worth and figured it was about time to cash in my bitcoin. 

This turned into a real problem. It took almost a month for me to get access as it had been suspended, but once I had access I could check my account balance and the XXXX bitcoin was close to worth XXXX. I am on XXXX, for me that's a huge amount of money. It will come in real handy as my boyfriend is no longer employed and his state XXXX is running out and he had major XXXX XXXX a week ago so he needs to heal for a bit, which he can not do if there's no income so this bitcoin money is a gift from XXXX. 

In any event, I have XXXX bitcoin that I need to sell but the company is giving me the run around on emails. I have sent at least XXXX emails and none of them actually had an answer that showed mine had been read to begin with. 

My account with coinbase is locked. It won't let me take the money out as I get an error message stating this account is under review. 

Then coinbase sent me a message today stating they will close my account within 7 days if they don't hear from me. That email came from a do not reply mail box and I had no way to get in touch. It didn't refer to the original ticket number either. 

Help. My balance is currently worth {$68000.00}. I do not want to lose that money.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Under 15 usc 1681a2 of the fcra lending companies are supposed to have my written consent as me giving my approval to pull my credit file which I never have done so there has been multiple companies who have illegally obtained my credit report and this has caused me issues obtaining credits and have left so many inquiries on my credit profile it is hurting not only my score but my profile and my ability to use my credit properly I'm asking for these hard inquiries to be removed the only inquiries that belong on my credit reports are from accounts that I have opened myself I have not given any such permission so if these companies say they had permission I'm requesting by law written proof with my signature mailed to me if this can not be done any and all inquiries must be removed by law listed below are the credit card or loan companies date of inquiry and a list of their names thank you for your Swift and decisive action as I have been dealing with this for over 2 years now I also have sent an FTC reports multiple times and done everything I was asked to do and these credit bureaus have yet to do what they're supposed to do by law aside from XXXX they were the only ones to remove fraudulent inquiries however this issue is for Transunion and XXXX companies are listed below Transunion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX Please make sure every one of these are removed and if you find their legitimate I'm requesting the proof with my signature on a contractual agreement mailed to me as per the law states if this proof can not be submitted they must all be removed thank you and I hope this is handled in a timely fashion as it has already been 2 years since I've been starting to deal with these as they have came up I am only asking for my rights to be legally followed as the law states so if there is no proof mail to me these need to be deleted if not this will be a flagrant violation at the fcra and these companies will be fine {$1000.00} per violation as the law states that I wish would be paid to me as I am the victim of this nonsense thank you
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-11-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX my account was charged XXXX $ for flight reservations. It was not me as I dont fly because of XXXX and never will fly. I called my bank and said it wasnt me and that fraud has been commited and since then they have done nothing but tell me to file a complaint against them if I feel this way and file a claim that the charge is fraud and it wasnt me. Its been 5 days and they have done nothing. This is for a small business account and my business has been ruined because i was unable to perform work that I was paid for as the money in my account is gone and again BOA has done nothing and I have expressed to them that I feel they have an employee thats helping someone outside BOA to commit fraud on my account and BOA is aware of it and trying to hide it or conseal it. I have filed an Ic3 complaint also. I have no idea what else to do, this has ruined my business and my holidays and ruined my faith in my country, its business practice and any and all kind of enforcement is doing nothing I feel. I see why businesses in america are going under and why people are ending up homeless which is what may happen to me. Sad thing is, no one cares whatsoever. All I can do is rely on this complaint and honestly? Do not think anything will be done and Im ruined. Also being honest, XXXX  really is the best way because of not wanting to face the negative expects of everyone sitting on their hands doing nothing the way they have for others. Figured I would make an attempt with no expectations being i have no faith in anything American or America in its name. This country and its institutions does not protect the small guy. I am seeing the proof of this. Disappointment in USA.