davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-27
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. (SC)

I recently received a copy of my credit report from XXXX  and XXXX  and i immediately realized a host of violations on each report. The collection accounts listed below are in direct violation to FCRA laws 15 U.S.C 1681 ( a ) ( 4 ) stating that its the credit reporting agencies grave responsibility to respect the consumer 's right to privacy and i feel rights were violating with these collections on my my credit report : XXXX XXXX  Acct # XXXX. 
XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX .... 
XXXX XXXX XXXX Acct # XXXX The credit reporting agencies were also in violation of law 15 U.S.C 1681 ( b ) ( 2 ) stating that reporting agencies are to furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates! No reporting agency had any written consent to furnish these accounts on my behalf and that is identity theft!
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

Coinbase has disabled my account. Support is not responding. It's been weeks now. I've opened cases and contacted them dozens of times. I filed a formal complaint with Coinbase online. No resolution still. I've lost tens of thousands b/c I can't access or view my account or execute trades. Their lack of response and support is criminal. They've hijacked my account and money.
Consumer complaint received 2024-03-27
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. (TN)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Account Name : XXXX XXXX  Account # : XXXX Balance Owed : {$0.00} Dates of late : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, and XX/XX/XXXX. 


I am not sure how I was late in those months. I remember paying this on time for the month of XXXX to XXXX. There were months when I received my statements late, particularly in XX/XX/XXXX. 


Account Name : XXXX  XXXX XXXX Account # : XXXX Balance Owed : {$28000.00} Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I was not late in those months. I have always paid this account on time, I might have gotten my statements late, but I've been making payments on this account. 



Account Name : XXXX Account # : XXXX Balance Owed : {$18000.00} Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I was not late from XXXX to XX/XX/XXXX. I have paid this on time, I'm not sure how it appears late in my credit report. It did not match with the records that I have from the creditor.
Consumer complaint received 2022-05-23
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. (TX)

XXXX XXXX, EXPERIAN and XXXX XXXX have been furnishing reports and making claims furnishing and sharing information about me without my written consent, permission or authority. These acts are depriving me of my God given right to life, privacy, right to be left alone and my right to the pursuit of happiness. I, XXXX XXXX did my due diligence and began an investigation. During my investigation, it has been brought to my attention that I have been swindled by way of deceptive forms and I am now enforcing my right to privacy and Opt-Out. These laws have been violated by these entities. 

17 CFR 248.124 Reasonable Opportunity to opt out. 

15 USC 6802- Obligations with respect to disclosures of personal information.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

I have two checking account with TD bank, and one of checking account got fraud transactions then we reported to the bank and after the issue been resolve, I closed this checking account. So I am using the other checking with no fraud transactions one. After one month, this normal checking has been freeze by the TD bank. and they were saying it is under the same name with prior account, previously the fraud transaction was someone trying to deposit the check in ATM which is not belong to themselves. BUT they had my debit card PIN, so the bank was consider that is me. now TD was freeze my account completely, I can deposit but no withdraw and they block all the online banking for me. I am retired women I need the the money to live. now they freeze all my account completely I don't know what to do. I don't really know how did they get my PIN, but the PIN only ME knows, nobody else. I am also a victim in this case.
Consumer complaint received 2021-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I have two documents in hand from the IRS, stating that I have money in my Wells Fargo checking account. Starting XXXX XXXXpresent. Wells Fargo is billing me {$35.00} for each overdraft fee, and/or NSF fees. Staring XX/XX/XXXX, XXXX I have been billed a total of 36 overdraft fees leaving my checking account overdrawn {$1200.00}. On-top of that instead of Wells Fargo crediting my checking account from the last stimulus check being {$1400.00}, they decide to bill me on a case XXXX a total of {$1500.00}. I spoke with Executive Office Case Specialist XXXX XXXX in XXXX, XXXX and we concluded that they credited my account due to past errors, and then my account was perfect. 
Where does overdraft protection play a role in this type of banking error? Why do they even offer it?
Consumer complaint received 2017-05-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (IA)

XXXX  of    2016  to prese nt. Wells Fargo has be en having trouble with having posting payments in a timely manner. Shipping billing statements to address that we have n't used for well over a year and a half. In so doing they proceed to want to charge me late charges. I have talked to customers service representatives and they assure me that the problem will be ractified. To this date it has not, if anything it is getting worse.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 

Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-07-09
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. (FL)

XXXX INQUIRIES WAS RECENTLY UNAUTHORIZED WITHOUT MY CONSENT OR KNOWLEDGE WHICH IS A RESULT OF IDENTITY THEFT. TRIED CALLING ALL 3 CREDIT BUREAUS ( EQUIFAX, XXXX AND XXXX ) WAS INSTRUCTED TO FILE A CFPB COMPLAINT AND UPLOAD REPORT ALONG WITH IDENTIFICATION. KNOWLEDGE WAS MADE WHEN MY LOAN OFFICER INFORMED ME DURING A CREDIT CHECK BEFORE MY TENTATIVE CLOSING DATE. 

XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 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 -EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX
Consumer complaint received 2021-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (CA)

In XX/XX/2020 I discovered my business, my bank accounts and personal identity were compromised, on or about XX/XX/2020 I started to receive various telephone calls from creditors pertaining to past due accounts that were opened in my name without my knowledge and/or consent. My bank account, my credit profile and my personal identity were completely compromised. I've contacted American Express and the Law Firm representing American Express and advised them that I'm a victim of identity theft, I sent them a copy of my Identity Theft Police report which was filed on XX/XX/2020, however American Express has reported this account on my credit report as a charge off in the amount of {$70000.00}, this is devastating.
Consumer complaint received 2021-12-30
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. (CO)

I recently sent at dispute letter to Equifax on XX/XX/XXXX in regards to a line of credit with a credit union. Upon reviewing my credit report, I realized that Equifax was reporting an incorrect " Last Activity '' date and not reporting a closed date for the account ( although showing that the account was closed ). In actuality, the account was paid off in XX/XX/XXXX. If the account was truly verified, as they've mentioned that they did previously, then an updated date of Last Activity would've been updated to reflect the true last activity date and a closed date. Equifax, instead of completing a requested investigation, only sent out a false dispute result.
Consumer complaint received 2021-05-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (TX)

My name is very common and after my parents died I had no money, car or home.I found a job and needed a car.I went to a crooked car dealer named XXXX in XXXX Texas back in early XXXX.Told me the car was perfect no issues.I had taken the bus all the way to his company.He rushed me and changed the price on the car to get me in and out.The cluth fell out the car almost instantly after I bought it.I reached out to them and did a voluntary surrender but never missed a payment.On my credit reports they are not matching.Without my permission and after reporting incorrectly saying I had missed payments which I did not, they sold it to a company called Credit Acceptance.I did not give them permission to sell my account to a third party as well as the dates are incorrect and only all 3 credit reports its not matching up and under the Fair Debt Collection Practices Act I did not give any permission to have this sold to Credit Acceptance.I tried to reach out to the original XXXX who sold me the car but no response and this happened in XXXX.Also I keep getting updates that the balance was increased on 2 of the 3 reports but on XXXX it is closed and not increased so its false information reflecting because its been a closed account for years but now now on 2 credit reports out of nowhere its adding an increased balance for a closed account? An account thats been closed for years
Consumer complaint received 2024-03-27
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. (TX)

I reviewed my consumer reports and noticed I had XXXX late payments on a account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuravy. I have never been late on payments for the accounts that i have included in the screenshot inside this complaint in on dates [ XX/XX/22 ] and [ XX/XX/22 ]. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact that i was never late on these stated payments. Thank you so much! Please see the screen shots attached.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I was affected in the Equifax hack according to their website on XXXX/XXXX/2017. They failed to inform the public after they found out they were hacked and they refuse to contact people, forcing them to use their service to see if their very personal information ( social security numbers, addresses, birthdates and even numbers of some drivers licenses ) had been stolen.
This is unacceptable for a company and some of their execs sold stock before finally reveiling they were hacked.This must be investigated and actions have to be taken to protect the 143 million innocent people that had their personal data stolen.
Consumer complaint received 2021-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX deposited my brother stimulus check with his knowledge & the bank freezes my account without notice while I was out of town ... after taking my brother to try & rectify the situation..the bank proceeds to tell me that it will continue to he frozen because I recieved SBA loan & to forward 4yrs of my income tax that clearly shows I have been paying taxes on my small business.After weeks of not even a email.. & me calling everyday..not getting clear answers to WHY.. I'm told that XXXX will be returned to government..My small business loan was only XXXXno explanation, notice, letter. 
NOTHING from the bank on where or who recieve this the money..I contacted SBA & they say my loan had no issues & they have not receive the money.My paychecks where also withheld & I haven't been able to pay bills, or access my any money that was left. This has been a complete nightmare & I don't see no way out or who can help me.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/year>
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (CA)

On XX/XX/2021, I was involved in a small incident in a parking lot where I was backing up and slightly scratched someones bumper and it is appearing on your guises website as an accident it was not a moving accident it was a parked vehicle I was backing up.
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (LA)

Bluebird by American Express permanently suspended by account on XX/XX/2020 with a balance of {$8900.00} in it. When I called customer service to try and close account they would always tell me they had no information and they write a letter and mail it, which I've done several times. They only response I would get is I need a letter of indemnity which I also sent to them. Their own statement on closing account states : You may not close your Bluebird Account, Subaccount ( s ), Goals or XXXX XXXX $ XXXX balance to evade an investigation or a disputed transaction ( s ). You may not close your Bluebird Account or Subaccount if there is a negative balance in your Account or Subaccount,, if one or more pre-authorization codes with respect to Bluebird Checks you have written are unexpired, or if there is an investigation pending or a Dispute related to the Account or Subaccount or associated Bluebird card or Subaccount card, and subject to Applicable Law, we may hold your funds for up to thirty ( 30 ) days or longer to finish conducting the investigation and/or protect us or a third party against the risks of payment reversals, chargebacks, claims, fees, fines, penalties, and other liability. 

I am not evading an investigation or even being investigated at all. And they even state they should hold funds up to 30 days but now it has been a year and my money is just sitting there when I really need it. Please help me to get my account closed and remaining balance to be sent to me by check.
Consumer complaint received 2017-05-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

Advance Financial should be taken out of business. I was not aware of the 279 % interest they charge for a flex loan. They took a total of {$450.00} per month out of my checking account since the beginning of   XXXX  . My payoff balance only keeps getting higher and higher. Their flex loans are set up to  XXXX  customers over and make them further in debt by not helping them in any way due to the outrageous interest rates. What a scam!!
Consumer complaint received 2017-09-09
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. (PA)

XXXX XXXX XXXX XXXX : # XXXX am asking to verify and show me a hard copy of it in black and white with my SIGNATURE, address associated and full social security number if not this account sould be remove from from my credit report within 15 days
Consumer complaint received 2024-03-27
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

I opened a account with CitiBank around XXXX weeks ago, I got my debit card and I started receiving payments to my account, I received three in total, a {$2000.00} XXXX payment, {$4700.00} XXXX payment and a {$4500.00} XXXX payment. My first time having a problem with Citi is when I went to withdraw my second time at the branch and was denied by the ATM, I received notifications questioning the activity and replied Y to a text prompt verifying it was authorized by me so I tried again and It denied me still, I called citi and they put my account under review for no reason. XX/XX/15 I go to the bank to make a withdrawal of {$4000.00} dollars they denied me and told me I would have to get on the phone with the fraud department to verify a few questions which I do and answer all correctly and the representative I was on the phone with told me she would remove any blocks and holds on my account and shortly I'm put on hold and transferred to another representative that was rude and didnt make sense and told me I had to wait on a reference letter. That same day I attempted to XXXX XXXX dollars out my account since the branch denied me and I still had my online access but it didnt let me, I received a fraud alert and verified it was authorized by me shortly after that my online access was revoked so I call the bank again and I get on the phone with a rep that tells me I just have to go to the branch to unblock my account then everything will be fine, today I wake up to my account being closed within 60 days with no reason at all, Ive called them multiple times to verify the account activity and questions which correct and legitimate and authorized by me. I need help to either reopen my account or receive my total account balance immediately My Name is XXXX XXXX My Account Number Is XXXX