davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I do not agree with the payment history on account XXXX - XXXX XXXX XXXX. 

15 U.S. Code 1681d ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports 15 U.S. Code 1681i ( a ) ( 7 ) - Procedure in case of disputed accuracy 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 3 ) Duty to provide notice of dispute
Consumer complaint received 2023-05-13
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: Experian Information Solutions Inc. (CA)

After checking them, I found that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require 3 credit reporting agencies to verify ( A ) these accounts. Failure to verify these reporting accounts as unverified without providing evidence within the legally mandated deadlines is unacceptable. My credit report contains the following incorrect information that needs to be investigated and corrected. 
XXXX XXXX XXXX  Balance Owed : {$15000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXXBalance Owed : {$13000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXXBalance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX BalanceOwed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX of XXXX i filed a claim with edd and i recieved one payment for {$330.00} and the next two weeks i was suppost to recieve another payment and i never got one i called up XXXX and XXXX from XXXX said the payment was added to my account so i called up bank of america and they said the money was put in to my account i asked for a statement and i got it and reviewed it and seen there where charges that where not mine so i called up bank of america and explained to them what was going on they cancelled my card and sent me another one well in never recieved it i called up bank of anmerica again and told them well bye then i got another statement and it showed several charges bye then it had been two more weeks and there was {$2000.00}. put in to my account every two weeks well after that first payment i recieved i never got another one after that i had called up XXXX several times and bank of america well nothing was done about any of it i have been calling up bank of america for 3 years regarding this i had to find another job because i never recieved any more of my XXXX i recieved all my statements from bank of america and it shows 5 differant cards being used for the whole year of XXXX i called up bank of america and explianed to them but they have not done nothing they supervisor XXXX at bank of america said there was all kinds of credits put in to my account in XXXX but i did not get another card until XXXX the amount is XXXX dollars it started XX/XX/XXXX its Bank of America prepaid XXXX XXXX XXXX XXXX  TN XXXX My name is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX phone number XXXX ) XXXX thank you
Consumer complaint received 2021-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (IL)

I tried to close my Coinbasepro account which had {$67.00}. I pushed the wrong button and accidentally transferred {$67.00} from my XXXX account into the Coinbasepro account, increasing the balance to XXXX. I contacted XXXX to stop the transfer of money, which they did. Coinbasepro does not allow cancellation of transfers. I log back on Coinbasepro and try to transfer my funds back into chase to close the Coinbasepro account, and now I am greeted with a warning, telling me that my ability to withdraw has been restricted unless I come up with {$67.00}! They are saying that I owe the {$67.00}. I can not get my remaining balance out, and they are now charging me {$2.00} each day I am delinquent. 
Coinbase Pro does not have any customer service phone number or email. Just automated service that does not answer specific problems. Date of incident XX/XX/21
Consumer complaint received 2017-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC (TX)

Jeffcapsys shows a collection debt on my report for {$1200.00} dated XX/XX/2016. Unless proof can be shown and validated, this debt does not belong to me. I only use prepaid wireless phone services.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Second complaint I am not able to access either online or through the app with Capitol One because I don't have a phone number in my name. The lie of a letter they sent was false. Force them to show proof not just send a prepared letter. They are reporting the wrong address for me which I will start recording all calls with the company moving forward for my proof
Consumer complaint received 2024-02-28
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. (TX)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-28
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. (NJ)

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. 
XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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 2017-04-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (SC)

Carrington Mortgage is charging a {$35.00} overdue fee for XXXX unauthorized appraisals/inspections - XXXX on XX/XX/2016 and the other on XX/XX/2016. In the past year, my mortgage payment has increased {$95.00} ; no prior notification regarding the higher payment was provided.
Consumer complaint received 2024-02-28
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. (VA)

I recently received a copy of my 3 Credit Bureaus consumer report and I noticed inaccurate information posted on my consumer report XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$3400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2023-02-14
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. (TX)

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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

Citibank has removed and stopped reporting my primary credit card to XXXX without my consent and is REFUSING to re-report the account ( to XXXX ) despite my repeated attempts to have this done. This has resulted in my credit score being reduced to a score from well over XXXX down to XXXX and has the potential for future credit applications being denied.
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

The account from  XXXX   XXXX  on my Equifax credit report was disputed and removed on  XXXX   XXXX ,   XXXX   and in checking my report today it has reappeared as  XXXX   XXXX   XXXX . Cancel, and reported again on  XXXX   XXXX ,   XXXX   and the amount is now higher than the original {$140.00} balance, the balance is now {$190.00}
Consumer complaint received 2024-03-22
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-04-05
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I continue to get a recurring credit card charge every month for an original cash advance I took out years ago. I called Capital one and am told that the charge is perpetual until the balance is paid off. Note that this is not for additional advances rather a single advance in which I am charged twice each month, resulting in my balance never reducing.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-05-20
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRUIST FINANCIAL CORPORATION (VA)

Dear Sir/Madam, This complaint and request for help is in regard to a mortgage and HELOC both held by Suntrust Mortgage for a home we owned in XXXX when the housing market crashed. Realizing we could no longer sustain the financial requirements to keep the loan in good standing, we put the property up for sale. Two offers on the home were submitted and both were rejected by Suntrust. This took place in XXXX. In XXXX of that year we received a foreclosure notice from XXXX XXXX XXXX XXXX on behalf of Suntrust. 

Shortly after that we received a warrant in debt ( which was dated XX/XX/XXXX ) for the second on this property which had since been sold ( for an unknown amount ) and as a result, we now have a lien on our current home. 

In XX/XX/XXXX we received a payment form the XXXX Suntrust XXXX which was in compensation for their un-fair treatment and predatory lending practices ( believing this matter to be settled at that point ). 

Numerous attempts were made within the last 2 years to contact and negotiate with Suntrust. Their representatives could not confirm that a lien even existed. At one point we were left on hold for over 2 hrs. with no satisfaction. 

On XX/XX/XXXX we received a notice that Suntrust had initiated a garnishment proceeding against only one of the previous mortgage holders and in apparent violation of the statute of limitations regarding the collection of this type of debt. We believe we have been treated unfairly by Suntrust and hope to resolve this matter as quickly as possible. 

Please see the attached documentation, Thank you...
Consumer complaint received 2023-05-13
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. (NC)

I requested my credit reports from all three bureaus. I immediately noticed the reports mentioned that a collection company XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX reported a debt that I do not recognize. I also see multiple inquiries from XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. The fraudulent names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. The false addresses XXXXXXXX XXXX XXXX XXXX  XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX. The fraudulent Social Security number XXXX ; XXXX. The false telephone numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( 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 2023-08-30
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)

XXXX, XXXX, EQUIFAX, violated my rights by reporting fraudulent accounts on my credit report that they maintain under my social security number. 
FCRA 1681 ( 1681 ) a ( 3 ) ( 4 ) b, are the responsibilities of the consumer reporting agencies. At this time, I am asking for the fraudulent accounts to be removed from my credit report.
Consumer complaint received 2023-02-12
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the following accounts : 1. ) XXXX XXXX XXXX XXXXXXXX XXXX/Account Number : XXXX ; 2. ) XXXX XXXX XXXX XXXXXXXX XXXX/Account Number : XXXX.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Agencies report info does not reflect credit denials in recent inquires. Transunion credit rating XXXX. But have been denied any credit time and again. XXXX exchanged with me is not reflected with info to creditors. Transunion wanted {$310.00} to clear it all up. I refused because I believe it to unethical even in XXXX, XXXX, XXXX and texas. ( unregulated states where all these Agencies come from. Is there no agency north of XXXX in this country ). This shakedown and retaliation would be illegal anywhere else. They have XXXX XXXX  me. Please could use any help. My mortgage lender says I have no history showing there at all. Even though I just paid off loan with them 3 years ago. This I believe is happening because of independent contractors shaking down customers. Don't know if XXXX works. Phone XXXX.
Consumer complaint received 2023-02-12
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: Experian Information Solutions Inc. (NY)

I have notified Experian about them updating the XXXX XXXX charge off each month as an active payment. HOW IS A CHARGE OFF AND UPDATED PAYMENT? Experian is falsey manipulatting the statute of limitations.
Consumer complaint received 2023-05-22
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. (NC)

i reached out to experian as well as XXXX and they told me that a woman i have never hear of in my life put me in her XXXX XXXX  bankruptcy also Experian is saying XXXX is getting there information through pacer I never gave nor do I have an account with XXXX the United  bankruptcy court say they dont give out this information so how does pacer have it this has caused me to be unable to get a home loan, business loans, car loans and much more. i demand this be removed from my credit reports also Experian is saying theyre getting it from the bankruptcy court but then XXXX XXXX are saying there getting from XXXX  thats an accurate information
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

on XXXX XX/XX/2023, Barclays called me, on a recorded line, to ask about 3 charges to XXXXXXXX XXXX XXXXXXXX for {$610.00} each. I told them they were not mine and it is fraud. They told me they would remove the charges and cancel the card and issue a new one. My XX/XX/XXXX statement showed these charges as mine. I spoke with them and was told it takes 3 months to remove the charges. XXXX, XXXX, XXXX, XXXX and XXXX statements continued to show the charges along with interest and fees. 
I did receive a letter from Barclays dated XXXX XXXX stating I am not responsible for the charges. I called after receiving the letter asking when the charges were being credited off. ( they recorded the call ) I was told another 2 months. 
I contacted Barclays again on XXXX XXXX, on their recorded line, to ask why the 3 fraud charges and interest and fees have not been removed. They said they would remove al the fraudulent charges and fees. They credited back the 3 fraud charges but not the interest and fees on XXXX XXXX. The interest and fees as of XXXX statement are {$250.00} I called 3 times today to get the interest and fees removed. No idea if they actually did it. I was not allowed to speak to a manager. 
The collections department has called me 4 times and hung up without speaking with me. 
Saturday XXXX XXXX XXXX XXXX  Saturday XXXX XXXX XXXX XXXX Monday XXXX XXXX XXXX XXXX Monday XXXX XXXX XXXX XXXX  Not only is the manner that Barclays handled unprofessional, I believe they are creating fraudulent numbers to make Mangers bonus ' better and the numbers look better for the stock holders. Keeping fraudulent transactions, charging fraudulent fees and interest on customers accounts is illegal. ( padding the books or cooking the books ) Over 5 months to take care of simple issues is not acceptable.