davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

On XX/XX/2022 I sent Wakefield & Associates a letter letting them know that I had no knowledge of the balance that was reporting on the account and I asked them to verify that this account was reporting maximum possible accuracy. I let them know that they had 30 days after the receipt of the letter to respond after conducting a reasonable investigation to verify that this account was mine. I told them that if they could not verify the information that it needed to be removed from my credit report. I asked Wakefield to send me the confirmation that the information was deleted from my credit report if they could not provide proof. On XX/XX/2022 after not receiving a response from them within 30 days I sent a letter to XXXX asking them to investigate this account for me as well. I let XXXX know that according to the FCRA that they must investigate this account and check with the creditor who has posted them. I sent in a copy of my ID and also proof of my address with this letter. On XX/XX/2022 I sent another letter to XXXX that was a formal complaint about ignoring my previous request and failing to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports that they publish. I then asked them to reinvestigate and according to federal law, they had 30 days to complete the reinvestigation and to provide proof of the investigation within 15 days of its completion. It is now XX/XX/2022 and I still have yet to hear back from XXXX or Wakefield and Associates I am in the process of sending another letter to them. I have reached out and given them an ample amount of time in order to send proof of this account and they have violated my consumer rights according to the FCRA by failing to do so. I would like this account to be removed from my credit report immediately.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, 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. (OH)

I have disputed this info since XX/XX/2022 My XXXX inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My Equifax inquiries are XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (TX)

Im filing this due to the fact I've tried several times to reach out to understand why I have paid over XXXX in fees ... One recently call the agent stated, '' The System don't lie '' and I felt like that was slap in my face. I love my institution but I feel as if they don't listen to the customer so therefore I'm reaching out top see if i can get any help concerning the fee issues. I also told the agent i wasn't fully aware of the policy concerning the fees but she failed to cover all of my concerns due to time ... I have banked with NFCU for a year now and I think over XXXX of fees is ridiculous. Help Me
Consumer complaint received 2024-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Coinbase has closed my account with nearly {$50000.00} sitting in my balance, when I attempt to withdraw the funds it tells me " Account is locked contact support '' but when I contact support they tell me that I can indeed withdraw my funds but I can not at all. 

I'm in a constant loop this company has been taking me in a circle. Support will tell me they see nothing wrong and I should withdraw my remaining balance with no issue. On the other hand when I try it tells me the same error every single day. " Account is locked contact support '' meanwhile support continues to repeat the same thing leading me to getting no type of assistance on this matter. 

Did research online and I seen multiple people with this exact issue not being resolved for months or even years. Other people are taken on the same loop / circle that I am currently dealing with. 

Currently have my life savings sitting inside the account and they refuse to give me any actual help.
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-08-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

First, let me mention I'm a former XXXX XXXX XXXX and XXXX XXXX. I am a professional in stating the facts- and knowing when an outrage has been committed that demands justice - such as in the case I'm about to relate. 
Bank of America 's outrageously out-of-control, criminal, merchant-biased VISA Claims Resoution department is trying to extort {$5200.00} from me for a product I ordered XXXX  months ago but still do not have. I put the charge in dispute and they refuse to dismiss it saying the merchant claims it's non-refundable ( which is illegal ) and that " you need to work this out with the merchant '' ( which is impossible, which is why I filed the VISA dispute with Bank of America to begin with ). 
Bank of America ( BOA ) is also siding with the merchant, XXXX XXXX of XXXX, in refusing to refund the {$5000.00} I put down as a deposit through the BOA 's VISA card, on XX/XX/XXXX, even though that company failed to deliver an acceptable product - having sent me ( many months beyond the required deadline date of XX/XX/XXXX ) a LEMON, a guitar that was flawed and UNPLAYABLE ( and I've been a professional XXXX and XXXX XXXX for decades and am an expert on guitars ). I sent that guitar back on XX/XX/XXXX. 
The guitar they sent on XX/XX/XXXX arrived UNPLAYABLE and FLAWED IN MULTIPLE WAYS ( including sounding a horrific squarewave and having defective, squeaking tuners that failed to keep the guitar in tune ; its action was also super high and the neck was as big as a baseball bat - such that even with my long fingers and large hands I could not play chords on this guitar I need to play ). 
I sent it back to them days later and they still have it. 
Though they've offered to " adjust '' the guitar it can not be adjusted to make it acceptable ; they'd have to rip off the horrible neck and attempt to put on an acceptable neck - no good! 
They offered to make me a new guitar but I can not wait another XXXX MONTHS for the instrument I NEEDED ON XX/XX/XXXX - nor is it reasonable to ask me to do so. Nor can I count on them to produce a perfect guitar, after this experience. 
I have nothing to show for my money and XXXX has nothing to offer me as a replacement, and we're now practically a year after I put my money down and I have no instrument to play nor anything to show for my money. 
There are federal and state consumer protection and lemon laws that place XXXX AND its facilitator, BOA, in violation of the law. I was defrauded by XXXX and now BOA is trying to extort more money from me, {$5200.00}, for a product I do not have, while refusing to give me the refund XXXX owes me, {$5000.00}, for the deposit, saying I need to give the disreputable merchant an infinite amount of time to provide a solution which is outrageously unreasonable. 
I'm XXXX XXXX XXXX and I'll be retiring soon. I need my {$5000.00} back, and an end to BOA 's extortion.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX credit cards balance inaccurately appears on my credit report. There should be a {$0.00} ( zero ) balance. The {$9600.00} that currently appears on my credit report stems from fraudulent transactions that Equifax was notified about. Additionally, XXXX XXXX credit card inaccurately reflects a {$10000.00} balance. That balance should also be {$0.00} ( zero ) because the charges also stem from fraud. Equifax has not properly corrected the inaccuracies on my credit report.
Consumer complaint received 2023-01-25
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC. (NY)

I ordered aligners from XXXX XXXX XXXX ( CREDITOR ) to fix minimal teeth issues with XXXXealth Care Finance Direct as the payment processor. During the treatment I have told them that the treatment and aligners they gave me doesnt seem to make any changes and that I want to have a refund for it. I have images attached of our exchange of conversation through email. Apparently after they have communicated with my practicing dentist named XXXX XXXX, they told me that I need to continue my treatment plan to see if anything changes. I finished taking all my aligners and there seems to be no change so I told them that I want to refund it since I have brought the issue even before finishing the treatment plan. Also they charged me for the retainers since its automatic after finishing all the aligners but then I did not receive anything. I contacted them to ask for a refund since I dont have it with me or told them to give me a new one then. But then they told me they can not give me a new retainers since Ive been having issue with the progress of my teeth and doing so would not help it ( which makes sense ). They offered to me to take their lifetime guarantee but i decided not to since there will still be recurring extra payments for that ( I have proof of the email stating of the amount I need to pay for this ) and also I do not trust them already since they can not fix my issue even before. Then XXXX went bankrupt and I can no longer talk to anyone about this issue and about refund. XXXX have Health Care Finance Direct as the payment processor and even though I told HDF about this they still continue to charge me monthly. This makes no sense as there is a breach of contract between the parties since the said XXXX  can no longer fulfill its services to me which is their client and also part of the contract.
Consumer complaint received 2024-05-02
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FMA Alliance, Ltd. (TN)

On XX/XX/2024 I received an email from FMA Alliance LTD claiming an XXXX account is now with them for the amount owed of {$38.00} File Number : XXXX. I gave the company XXXX business days to send me a written notification. They failed to send a written notice. They only sent email communication that did not contain all necessary information required by CFPB. I have a copy from the United States Postal Service for mail received up until today to show no mail was received. I can release this upon request. DO NOT close this complaint without my response to the collection agencies response.
Consumer complaint received 2022-10-25
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: Bread Financial Holdings, Inc. (IL)

In accordance with the fair credit Reporting Act, Comenity Bank/XXXX  ( Account number ending in XXXX ), has violated my rights Under 15 USC 1681 Section 602 states I have a 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 Under 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 any purpose.

Improper Late payment reported on XX/XX/201XXXX XXXX
Consumer complaint received 2024-05-03
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. (NC)

TransUnion removed my ability to dispute items on my credit report through the Internet portal, and is making it burdensome to figure out why or dispute my items by mail.
Consumer complaint received 2024-09-01
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. (SC)

On XX/XX/year>, I sent certified mail to XXXX, Transunion and XXXX, a detail letter on the errors that I noticed no my report after getting my annual Credit report, errors such as late payments ( US 15 1666b ) collections ( 15 USC 1692c ( c ) and inquires ( 15 usc 1679C ) know I was a victim of ID theft with these agency and I advise them of the issues and still waiting to get a resolution. This has been causing stress on me and my family I not able to help my daughter to go to college because these errors is cause my score to drop. Any help would be greatly accepted. Thanks
Consumer complaint received 2024-08-09
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. (LA)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (PA)

I opened a chime account about 2 years ago and they closed my account after i tried to get back my money after being locked out of the account for many many months. When i finally got my account back. I told customer service that I want my deposits back and to prosecute the person who used my account and impersonated me. They closed my account and would no longer correspond with me and have been uncontactable since. I am missing close to {$20000.00} to Chime which I want back. I have since hired a lawyer and I was told to go this route first since Chime supposedly gives the runaround. Please assist. The dates go from XX/XX/XXXX to XX/XX/XXXX XXXX
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you that this is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft Report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2018 Balance : {$720.00}
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed a XXXX  XXXX bankruptcy on my credit due to information being inaccurate. They said it was verified but never sent me any of the courts documents to show me it was verified.
Consumer complaint received 2024-05-03
Product: Mortgage — Other type of 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: Onity Group Inc. (NJ)

I opened my mortgage payment to make sure it cleared for XXXX and low and behold the XXXX payment is {$300.00} more with no explanation or a letter stating how much it would be. I was hit with this increase with no warning, and they expect me to pay it without being able to prepare for it. This should be delayed to at least XXXX so I have XXXX days ' notice not XXXX days after the payment is due! This company is so unfair and charges fees that are not warranted. I want a full audit by an outside auditor of the account. They have been sited many times for funny business with their accounts and I have to watch them carefully.