davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, while looking over my credit report I noticed The following accounts, Addresses and inquires were opened/Listed fraudulently without my permission or authorization, I demand for them to be removed immediately by law- I also want this investigated and solved. 

Addresses i have never been associated with : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX Accounts that were opened fraudulently without my knowledge or permission : XXXX. XXXX XXXX Account number- XXXX Open date- XX/XX/XXXX XXXX. XXXX- original creditor- XXXX XXXX XXXX XXXX Account number-XXXX Open date- XXXX XXXX, XXXX Inquires that were created fraudulently on my credit report without my knowledge or permission : XXXX. XXXX XXXX Inquiry dateXXXX XX/XX/XXXX XXXX. XXXX XXXX- Inquiry dateXXXX XX/XX/XXXX XXXX. XXXX- inquiry date- XX/XX/XXXX XXXX. XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX- inquiry date- XX/XX/XXXX XXXX. XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX XXXX XXXX- Inquiry date- XXXX XXXX, XXXX XXXX XXXX XXXX- Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry date- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry date- XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-11-01
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. (CO)

I contacted EXPERIAN 4 times since XXXX XX/XX/2022. Each time they open a 30 day dispute for accounts disputing. 
However, they were sent CERTIFIED MAIL asking for them to prove to me how they verified accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian was sent mail on XX/XX/2022 & XX/XX/2022 and most recent XX/XX/2022 Under FCRA Section 611 ( 6 ) Notice of Results of Reinvestigation Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available EXPERIAN HAS FAILED 4 TIMES to provide me with the information. 
I have reps recorded on phone calls that they just sent info to data furnishers that the account is in dispute. They certified to me they never do a dispute or get documents to VERIFY THE ACCURACY AND COMPLETENESS OF ACCOUNTS. 
Experian is reporting FRAUD ACCOUNTS and INCORRECTLY REPORTING ACCOUNTS AS VERIFIED AS ACCURATE. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THEY HAVE VIOLATED MY RIGHTS UNDER THE FCRA 3 TIMES. 
Certified Mail was sent and signed for. 
THIS IS NOT A DISPUTE TO SENT TO CREDITOR THIS WAS A LETTER ASKING FOR THE INFORMATION IM ALLOWED TO ASK UNDER THE FCRA Experian is going to sued if the WRONG and HURTFULL information isnt removed. 
They have been given FTC REPORTS, POLICE REPORTS and ID THEFT AFFIDAVTS They state accounts were " verified ''. NOT sure how. 
Experian is not following the FCRA. The data furnishers pay to report and thats all Experian cares about. They are not following FCRA GUIDELINES AT ALL THIS IS COMPLETED BY XXXX XXXX XXXX NO OTHER PERSON OR PARTY ON MY BEHALF
Consumer complaint received 2017-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau (UT)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2022-05-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (SC)

I get alerts that my credit scores went down and upon checking a collection debt of XXXX XXXX was reported when I called they said it was from a XXXX XXXX XXXX who was a former employee at the same company I work. Since he did not pay his XXXX bill to XXXXXXXX XXXX  they put it on my account. without my permission XXXX must have used my name, cell phone number and work number as a reference. I dont understand how this winds up on my credit score. I had absolutely nothing to do with this.
Consumer complaint received 2022-11-01
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. (NV)

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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16811s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MO)

The company XXXX XXXX XXXX XXXXis in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (AL)

Comenity Capital Bank, NFL credit card account users get {$100.00} back in the form of a statement credit if the customer spends {$500.00} net, off-us sales in the first 90 days from account open date. 

I opened NFL credit card on XXXX and on XX/XX/2023 I make a payment of XXXX. 
I have not received my {$100.00} back after I have spent {$500.00} Thanks.
Consumer complaint received 2021-05-28
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: EQUIFAX, INC. (LA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose and others. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2020-08-10
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. (GA)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXDate of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2017-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CT)

Navient keeps harassing me everyday. Calling m e 30 tim es a day every day, from different numbers. They keep violating my right under the law. This has caused emotional trauma for me and my family.
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (HI)

Coinbase ref : XXXX : ref PROBLEM NOT SOLVED Help request # XXXX Login XXXX The problem started when I tried to upgrade to Coinbase Pro and their system would not accept the correct access code three times, then locked me out.

When I opened and made my purchases on Coinbase I owned XXXX homes, my Homestead in XXXX and my vacation home in XXXX. I have since retired, sold my XXXX home, and moved to XXXX  full time. Coinbase has now closed my account because they aren't registered in XXXX. Under these circumstances I believe I met their requirements when I open my account and made purchases while living in XXXX. No where in their Terms of Service does it say if you move to XXXX, where they aren't registered, you will loss access and all your assets. That is exactly what they have done to me. 

At this point I have no access. They have informed me that my account has been closed because they are not registered in XXXX. 
They gave me no options to liquidate my assets. 
Also I was never asked for more then the 2 step text security access code to both buy and sell coins AND increase my limit to {$7000.00} from {$500.00}. So I had no idea there was a problem.

There is no live help on line or phone to ask questions.

Does just living in XXXX disqualifies me from keeping my account?

If so, where is that stated in Coinbase Terms of Service?

Where does it state what happens to your assets should one move to XXXX? 
THEY SHOULD NOT BE ALLOWED TO KEEP MY ASSETS. Please help. 
XXXX XXXX
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: River City Mortgage LLC (PA)

My complaint is specifically about false advertising. 

An unsolicited offer was mailed to us by River City Mortgage for an APPRAISAL FREE REFI for which they indicated " our home has met the requirements. '' Upon inquiring about the refinance and speaking with the loan official, we were told that the Appraisal Free is NOT provided in our area. Clearly a " bait and switch ''. 

We did not proceed with the refinance due to this. 

I have the offer which includes the specific reference number for an APPRAISAL FREE REFI, and indication of New property value estimate of {$310000.00}.
Consumer complaint received 2023-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: John C. Heath, Attorney at Law, PLLC (TX)

All the XXXX items have been removed by XXXX law. These accounts are from hospital in 2017. They have been sold multiple multiple times. I would like them removed.
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

I was contacted on XXXX XXXX, by coinbase that my ID had been verified. Followed by am email stating I violated rules. Between the 2 services, coinbase and there pro site I had crypto currency. They kicked me off the platform to a page to withdraw funds, but the holdings from coinbase pro were missing. Sent string of emails trying to recover, which in turn launched there own investigation. All the coins appeared in the section where you 2 step verify and send out the coins. When I try. It says coinbase support has it locked. There not answering any inquiries.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

The 3 credit reporting agencies has an increased balance ( over {$50000.00} ) on my credit report. My mortgage company has the correct balance. Its almost impossible to speak with anyone at these credit reporting agencies. They have erroneous information on my account. I would like them to remove the extra amount. They didnt get the information from the mortgage company. The credit scores for XXXX  is XXXX points lower than the other 2. This is not fair to consumers. I need help in removing the incorrect {$5000.00} from my credit report. Thank you.
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

My friend sent me a wire transfer of XXXX from his XXXX account to my checking account at XXXX XXXX on XX/XX/XXXX. The other day, on XX/XX/XXXX, someone from XXXX called me and asked what the description means. My friend thought the description is something like a memo line that I'll see, so he left " XXXX me '' which means " send me a XXXX message to me once you see this message ''. I understand this kind of message in the description is confusing and suspicious since XXXX is not a popular social media. I explained all details to the banker and he said that he will send the case to the escalation department for final decision. 

I waited for two days but no update on the account. I called customer service and they said there wasn't any wire transfer coming in. I started to wonder what's happening since I called the banker who first called me the other day but I failed to get in contact with him. And the number he used to call me was not the official phone lines of XXXX. I left him a message asking for calling me back. No replies again. 

Out of the consideration of something wrong is going on, I asked my friend to contact the XXXX  and got the fed ref number for my transfer. I visited the XXXX branch on XXXX XXXX and explained everything again. The bankers were pretty nice at that branch and they did explain that they're holding this transfer because of the description. 

What made me upset is : First, I got a phone call from a number which looks personal. I left him a message and also asked the customer service center to ask him to call me back when he's available. But I didn't receive any phone calls from anyone at XXXX. Second, I was always trying to explain everything and even provided information that I don't have to share with the bank. However, it's taking almost 5 days for this simple case. I spent a lot of time these days calling and visiting the bank, explaining the stories again and again. 

I'm feeling that I was not treated as a customer since I have to work hard on myself to get my own money but it seems to me that Huntington bank is doing nothing. Either to reject or release the money, it should not take this long as I have already explained everything to them several times. 

I attached the receipt from XXXX Hope this can be solved. Thank you for your time.
Consumer complaint received 2021-06-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TCF NATIONAL BANK (CA)

XX/XX/2021 I called TCF Bank to close all four ( 4 ) of my accounts with them. XX/XX/XXXX they closed two ( 2 ) of the accounts and mailed me a check for the balance on those two ( 2 ) accounts. The remaining two ( 2 ) accounts were not closed and the bank still continues to charge me service fees. 

When I called on XX/XX/2021 TCF Bank advises me I have to close them in the branch. I live in XXXX XXXX California. I'm nowhere near a branch. 

This bank is clueless and of no help, for months they have charged me fees on accounts I can't use.
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I requested redemption of my Bank of America reward points on my credit card with last 4 digits of XXXX I redeemed the points with XXXX Gift card in the amount of {$440.00} I received confirmation on XXXX online and stated i will receive my gift card in 2 weeks ( XX/XX/XXXX. I live in California. I received the card on or about XX/XX/XXXX. 
Months later, I wanted to give the card to my employee as a gift. I unmasked the Card code to find out the exact amount. I called XXXX. I was told that card 's balance was XXXX! It had been used on XX/XX/XXXX th by another person not my name on XX/XX/XXXX before i had even received the card. I was told they have seen this pattern with Bank of America issuance of gift cards. 
The only two people who would have access to the code of the physical card would be Bank of America employee who issued the XXXX gift card and me. Since the card was wiped out on XXXX before i received it, then it was obvious that Bank of America employee was the culprit. Bank of America needs to secure client confidential data and be held responsible for their lack of safety in securing client data and are at fault for all illegal activity their employee is imposing on unsuspecting clients. 
I discussed by case with Bank of America 4 times and received a letter stating that they will not issue my rewards back case # XXXX. No assurance was given that they would put policy and procedures in place to protect their customers. I am a Physician that works in the hospital working long hours and come home exhausted. To spend hours on the phone on my day off with Bank of America ( whom i have been a loyal customer since 2001 ) was just too much. 

They have breached their contract. They assured i would receive rewards, I signed up with them with that assurance. I spent money on their card, amassed rewards, ordered gift card only to have their employee steal my gift card number and buy merchandise on line.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-05-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Thaxton Investment Corporation (TX)

I've requested documents to be sent to my address to verify supposed debt without success only to be met with threats of legal action and XXXX issued for my XXXX  after I've explained my current position of possible identity theft.
Consumer complaint received 2021-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (WA)

I have already notified Citibank and XXXX XXXX that this credit card was opened without my knowing. My now estranged wife had used my social security number behind my back to open multiple credit cards. She is con artist / serial defrauder and I have had to file for divorce because of this. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. A police report was submitted to the XXXX XXXX Police Department on XX/XX/2020. I have found out that there are 7 other police reports with her as the suspect of fraud / theft.
Consumer complaint received 2021-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AZ)

NCA - national credit adjusters, called me stating I owed a debt. In the verifying process the items verified as, my phone number and address did not match their records. Although the agency did have the last 4 of my social and date of birth right. The other items did not verify me. This is a concern, to me I have not pulled my credit until recently. I am not aware of this debt and would like it removed from my credit report.