davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-11
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. (MS)

I asked that the credit agency remove negative collections accounts from my credit report because they have no right or permission to collect from me. From XXXX to XXXX of 2022, I have been going back and forth with this agency. I sent the agency the following letter : I, XXXX XXXX, am requesting these items to validate the collection of this debt on my credit report : -notarized, original contract with XXXX XXXX XXXX XXXX with my signature XXXX XXXX XXXX XXXX information : name, address, phone number -payment history, itemized billing associated with the account -proof of ownership : proof that XXXX XXXX XXXX XXXX is actually authorized to collect the debt from me You have 30 days to send information. This debt must be removed if items can not be verified. If you do not follow, you will be reported to the Bureau of Consumer Protection, will be found in violation of correctly validating this debt, and fined {$1000.00}. 

They have failed to remove the following collections : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

Chase is devoting the entire amount of the minimum payment to my lower APR balance while letting the interest on the higher APR balance accrue thus increasing that balance each month. The minimum payment is calculated by adding all interest charges plus 1 % of the total balance but none of the higher APR interest charge portion of the minimum payment goes to paying that interest charge.
Consumer complaint received 2022-12-11
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. (AZ)

Please remove these accounts immediately. These accounts are fraudulent reporting, I have contacted and place a security freeze on my account and items are still being placed on my consumer report without proper contact to verify this said Information. By LAW & STATUES I have rights that you are violating. I will send out letters to all Credit reporting agencies following this complaint. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-06-06
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

I received 6 {$100.00} Amex Gift Cards in the mail for a total of {$600.00}. Attached is a copy of the email confirmation and shipping information. They arrived in the mail XX/XX/2024. 

I attempted to use these cards at multiple online and in person retailers including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX always for less than {$100.00} in purchases but the transaction has been declined every single time for every single card. I have checked the balance on each card via the website ( AmexGiftCard.comXXXX ) and each balance is still {$100.00}. I can not find a way to spend my money on these cards. 
Upon looking online for advice, many people have reported having this problem in the last year.
Consumer complaint received 2022-12-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (OH)

My father ( 94 years ) created a power of attorney with his lawyer. We have been trying to register the power of attorney ( POA ) with Coinbase for months in order to provide oversight to his account. However, Coinbase has neither registered the power of attorney nor given us access. 
I have email correspondence dating from XX/XX/2022 and my sister ( co-POA ) has been corresponding with them via XXXX since XX/XX/2022. Typically, Coinbase will acknowledge that they have our corredpondance. I have a case number from XXXX with Coinbase ( XXXX ) and the receipt for the uploaded POA is submission ID # XXXX. As well, my sister sent them a notarized copy as well in XXXX. 
To date, we have not been able to resolve this with Coinbase. Please help!!! 

I am able to provide email copies and copies of twitter strings if required. Please advise.
Consumer complaint received 2024-01-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: BROKER SOLUTIONS, INC. (AZ)

On XXXX XXXX I was notified by the lender that I did not qualify for the purchase of my home, and need a co-signer. After speaking with family friends, they decided they were not comfortable with moving forward. And as a result the loan was denied. I have requested a copy of denial letter from lender, and have had no response. I have also requested my Earnest Deposit money be given back to me in the amount of XXXX. The builder is now stating that they do not have to give any monies back and that they are only willing to give me half of monies. However, they are no longer responding to myself or my Relator to discuss this concern. 

I believe that they violated regulation B with regard to providing me with the application update within 30 days of this process. The builder and lender are causing delays resulting in me and my children being homeless. The stress, uncertainty, and unpredictably of this loan process, left myself and children completely traumatized. This experience has been a complete nightmare causing extreme XXXX and distress. Not to mention that the Earnest Deposit is my hard earn money that I have saved as a single mother. I would assistance in resolving this urgent matter. 

Thank You Kindly, XXXX XXXX
Consumer complaint received 2024-06-20
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

XXXX continues to allow debt collectors to report as creditors. I have disputed more than 3 times the following companies : PORTFOLIO RECOVERY A, XXXX XXXX XXXX XXXX 

These are screenshots from XXXX site.
Consumer complaint received 2022-12-11
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: MOHELA (PA)

Company was never authorized to share personal credit reports with XXXX, XXXX or any parties not authorized by me myself or identity holder which is my according to credit reporting law, i would need your help and getting them to remove all this frivolous information on my credit report please
Consumer complaint received 2023-09-28
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MT)

US Bank XXXX XXXX XXXX XXXX has denied me access to my savings account since XX/XX/2022 I deposited Unemployment checks and still have no access to my money after going in 3 times to branch to correct errors made when I opened this savings account. Its been 12 business days but I opened account XX/XX/2022 and today is XX/XX/2022 with no access to get my money out of this account. Please help me resolve this.
Consumer complaint received 2022-11-25
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: Experian Information Solutions Inc. (FL)

My name is 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.
Consumer complaint received 2022-12-11
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. (NV)

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. UPDATE AND SUPPRESS NEGATIVE INFORMATION 3. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for inaccuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX My addresses XXXX 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 2022-12-11
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. (GA)

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 XXXX : XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX  : XXXX, XXXX 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 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 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Description of the Issue : I am writing to file a formal complaint against Capital One, a creditor, for inaccurate reporting of negative information to the credit reporting agencies. I believe their actions are in violation of the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. I request your assistance in investigating this matter and ensuring the accurate reporting of my credit information.

Capital One has reported a late payment on my credit report for the date mentioned above, which I dispute as inaccurate. I have attached supporting documents, including payment receipts and account statements, which demonstrate that the payment in question was made on time. Despite my efforts to rectify this error with Capital One, they have not corrected their reporting to reflect the accurate payment history.

Laws and Statutes Violated : 1. **Fair Credit Reporting Act ( FCRA ) : ** Capital One 's inaccurate reporting violates the FCRA , which requires creditors to furnish accurate and complete information to credit reporting agencies ( 15 U.S.C . 1681s-2 ).

2. **FCRA Section 611 : ** This section grants consumers the right to dispute inaccurate information on their credit reports and requires credit reporting agencies to conduct a reasonable investigation ( 15 U.S.C. 1681i ).

3. **FCRA Section 623 : ** This section mandates the maximum possible accuracy of consumer reports and imposes obligations on data furnishers to provide accurate information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

4. **FCRA Section 616 : ** This section outlines the responsibilities of furnishers of information to correct inaccuracies in their reports ( 15 U.S.C . 1681n ).
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (VA)

I opened an account at Wellsfargo bank here in XXXX Va. The purpose of this account was for a secured credit card to boost my credit score, I was toldthat if I maintan the account in good standing for a period of one year I would then be given my {$300.00} back and the card would go to a normal credit card, i have had this card for two years now and it is still a secured card and when I question it they give me the same story it did not qualify. Well this year I called again and had it raised to corporate level where I was told probly history of my account was bad, this is a lie I always pay this and every other account on time and usally pay more than the minimum payment. Ichecked my credit report and my score is in the high six hundreds and I have unsecured accounts, they are just giving me the run around and will not furnish exact proof why I can not get an unsecured card with them. I spoke to XXXX in corporate office and was told there was nothing he could do. The original discucions where from XXXX when the account was opened. also they charge hirer intrest rate with secured cards. This needs to be corrected and I need to know the exact reason that they willnot give me an unsecured card.
Consumer complaint received 2024-07-03
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: DISCOVER BANK (CA)

I am writing to formally contest a charge of {$1900.00}, along with associated late and financing fees, made to my credit card between XX/XX/XXXX and XX/XX/2023. These charges stem from unauthorized use after my belongings were stolen during a robbery in XXXX XXXX, resulting in XXXX  and the misuse of my digital financial accounts via facial recognition and XXXX XXXX. Upon my return to XXXX XXXX, I took immediate steps to secure my accounts and replace my stolen items, including extensive coordination with XXXX and my banks. 

I request the reversal of all erroneous charges and fees, the correction of my credit reports, and the provision of an updated statement. Enclosed are supporting documents from various banks and credit companies, which have recognized the theft and refunded the fraudulent charges. I urge Discover to resolve these discrepancies as my financial and health situation continues to suffer. I have informed the Consumer Financial Protection Bureau of this matter and look forward to your prompt resolution.
Consumer complaint received 2023-08-09
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. (FL)

I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) RE : Account Number XXXX Account Number XXXX XXXX {$3200.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XX/XX/XXXX {$4400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Consumer complaint received 2023-05-22
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. (OH)

The credit bureaus... Experian, XXXX, XXXX have other credit profiles that are reporting in my name. Under 15 USC 1681..I have the right to privacy, and 15 USC 1681 602 ( 4 ) 604 ( A ) 623 .... duties of a data furnisher. They must follow federal law to the letter. Which they don't... They use 3rd party data providers to do their investigations. Which is Fraudulent, and Misleading. THEY need to correct ALL credit profiles... remove all old accounts. Profiles like my fico... vantage score, and any other profiles that they create I my name... .profiles for banks Mortgages, Auto loans ETC. ALL profiles should be corrected for accuracy. I also would like to opt out of ALL DATA PROVIDER ... that supply my information to the bureaus. XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX.. and all that wasn't mentioned! According to 15 USC 1681..I HAVE A RIGHT TO PRIVACY. ANY further acts need my personal consent. By writing, or verbal consent.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (FL)

I am unable to make payments on my XXXX credit card, issued by Synchrony Bank. I have tried to contact the bank on several occasions to resolve this issue, but I am faced with the following difficulties : The only available communication channel is an online chat. This option does not allow me to obtain the information and assistance I need to make my payments. 

I am denied the possibility of communicating by email. This form of communication would be much more convenient and efficient for me. 

To access my account through the phone system, I am required to make an international call. Since I live in XXXX, this represents a considerable expense that I can not afford. 

On repeated occasions, I have requested an email address from Synchrony Bank to contact them and solve my problem, but they have denied it to me. 

Request : I request that the CFPB investigate this situation and take the necessary measures to ensure that Synchrony Bank provides me with accessible communication options, such as an email address or a local phone number in XXXX. 

Declaration : I declare that the information provided in this complaint is true and accurate. 

I appreciate your attention to this complaint and I hope for a prompt resolution to this issue.
Consumer complaint received 2022-12-11
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. (GA)

in accordance with the Fair Credit Reporting act XXXX  Account #, XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 1681 Section 604 B. States a consumer reporting agency dont have the right to report anything on your credit report without written consent.

15 U.S.C 1681 Section 605 Section 1. States with no consent that equal identify theft 15 U.S.C 1681 Section 605 Sections 2. States if your notified that something is on your credit report that results from identity
Consumer complaint received 2017-05-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: U.S. BANCORP (OH)

Before I met and married my husband in  XXXX . He had a reserve line with UsBank. When he passed away   XXXX   XXXX   I took his name off the account. I called the bank to tell them he had passed and I did not even know him when he got the reserve line. But they told me I was responsible for it because my name was on the account. The following month they took double the amount. Now I 'm afraid if I ask about it they will take more.
Consumer complaint received 2023-06-08
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: S & S Recovery, Inc. (MS)

I have been receiving frequent phone calls to collect a debt from a college that I have not attended since XXXX. I answered initially to see what this was about and where these phone calls were coming from. I was told they were looking for XXXX XXXX to collect a debt of {$1300.00}. This is a debt I had no idea that I had acquired. I let this know this information and they continued to call me to collect this debt on my behalf. Yesterday, I called my college to order a transcript and there is a hold on my account due to this debt. This debt is not mine. I feel that this debt is attached to someone else and it has been accidentally been put on my account because XXXX XXXX is a very common name. This debt is not mine.
Consumer complaint received 2022-12-11
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

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 OR PERMISSION. 

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 PURPOSE.