davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : 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 2022-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (FL)

I made some purchases in this application called coinbase there were XXXX purchases of XXXX XXXX dollars total XXXX XXXX dollars I made the first purchase on XX/XX/2022 I made the second purchase on XX/XX/2022 I made the third purchase on XX/XX/2022 and the last purchase was made on XX/XX/2022 after making these purchases they do not want to let me withdraw my money from the wallet
Consumer complaint received 2015-09-25
Product: Credit card — 
Issue: Balance transfer fee — 
Company: CITIBANK, N.A. (PA)

Sears mastercard credit card services provided balance transfers at 0 % until XX/XX/XXXX, they only had one place on info that stated they are charging a fee vs interest on paperwork. This was misleading, so in fact they are getting there interest up front. There topic in bold larger letters states, YOU COULD SAVE ON INTEREST BY TRANSFERRING HIGH BALANCES. 
Checks should state that you agree to rates provided. I have used there checks before without this fee provision. 
Please advise
Consumer complaint received 2022-05-23
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: Chime Financial Inc (SC)

On XX/XX/2022 there was a payment made to a account I did not recognize of {$440.00} to XXXX XXXX XXXX which was supposed to go to XXXX XXXX XXXX instead. I am not sure how the payment was made because to my knowledge I was set up on a promise to pay. When I realize the payment was made to the incorrect bank I contacted the bank and made them aware to cancel the pending payment. However, they stated that I had to wait until the transaction was settled than to report the issue. Once, the transaction settled on XX/XX/XXXX I reported the issue. I spoke to multiple repsetnatives that could not give me a direct answer on the reason why the claim was denied. I submitted screenshot from my bank XXXX XXXX stating that they never received a payment. I also called the merchant on 3 way and they stated that it was applied to the wrong account and I would have to go to my bank to refund the amount. When the claim was denied to they provided me with an explanation that there was a {$100.00} transfer from my savings to my checking around the time the payment was taken, which has nothing to with the transaction that was made to the wrong account. I have never dealt with a bank that can no explain the resolution. Please see the explanation that was provided : We reviewed your claim and determined that there was no error that occurred based on the following supporting information. 
XXXX it has multiple funding event an example occurred on XXXX XXXX amounting for {$100.00} minutes prior and the said funding event is anticipated to the disputed transaction. 
No suspicious deny code related to the specific disputed transaction. 
No PII changes and no sign of XXXX during the disputed XXXX  timeline. 
No fraud alert indication during the disputed XXXX  timeline The transfers were made to prepare for the promise to pay for XXXX XXXX  NOT XXXX XXXX. But what does that have to do with the transaction itself. I don't understand the outcome. Chime is not making me feel like my money is safe with them when it comes down to a error made on a account. There is no one to speak to directly in reference to the issue for an explanation. If there was proper investigation was done then there would have been some contact with the merchant and there was none according to the documentation they provided.
Consumer complaint received 2024-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (MI)

I have called Mohela several times to find out why I am being charged interest while my PSLF is being processed ( after the XXXX payments have been certified ) and is supposed to be in administrative forbearance. I was told that even though the loan is in administrative forbearance, they will continue to charge interest. 

I have also reached out to find out why my unsubsidized loans have been forgiven ( as of XX/XX/24 ) but not the subsidized loan. I was told that I'd need to speak to an " account specialist, '' however I have spent over XXXX hours on hold after XXXX separate calls and I have still been unable to speak with anyone..
Consumer complaint received 2023-04-08
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. (PA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX I XXXX Balance : {$1600.00} XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$3000.00} XXXX XXXX I XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00} 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 2022-04-13
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-05-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Credit Protection Association, L.P. (CA)

On XXXX/XXXX/15 I walked into XXXX and asked to be disconnected at the same time I paid XXXX ( {$70.00} ) the bill I owed and asked to be billed the balance. Until today, XXXX/XXXX/15 I have not had XXXX attempt to contact me from the XXXX. Today I received a COLLECTION NOTICE asking for payment on behalf of XXXX. I called XXXX to verify that they had all my personal information correct and still active, which they did. They could have emailed me, send me a bill by post, call me on the telephone or even text me on the phone! The " supervisor '' that I spoke with had no reasonable explanation for this outrageous conduct and ( I believe ) attempt to purposefully affect my credit.
Consumer complaint received 2023-04-18
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/2023, i applied to a promotion from Capitol one to apply for their savor one credit card. The promotion promised {$200.00}. In return for {$500.00} of spending in 90 days. I was approved for the card and charged over a XXXX dollars on it. When I called yesterday, XX/XX/XXXX, I was told by a supervisor XXXX ( ID # XXXX ) that I didnt qualify for the bonus. When I asked why she said read you terms and conditions. When I pressed for further explanation, she repeated the same thing, and offered no other details. I offered to send her a copy of their promotion but she wasnt interested. The terms in the promotion ( see attached ) seem very straightforward and as far as I know I met them. Whatever the reasons Capitol one is using to deny the promotion payout is to me irrelevant considering the advertising they use to lure consumers in only to deny them their offer later.
Consumer complaint received 2022-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (OK)

I had a current bank account. It got hacked and charges were made. I disputed the charges but current disputed them under wrong type and said it was item not received when it was fraudulent. I submitted my police report to them and they still ain't refunded it. They closed my account out claiming I was committing fraud all because they let my account get hacked and {$700.00} stolen from me via fraudulent charges.
Consumer complaint received 2023-04-18
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: AMERICAN EXPRESS COMPANY (VA)

American express-account ending in XXXX american express is reporting two lates XX/XX/XXXX, and XX/XX/XXXX. These are a direct violation of the FCRA 15 USC 1681b permissable purpose of consumer reports. XXXX is in direct violation as well for not removing the items under the FCRA
Consumer complaint received 2021-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (OH)

Last XXXX billing cycles Ive been charge interest and when spoke with XXXX at XXXX she advise that I am still receiving interest charge from XXXX. However XXXX from XXXX and XXXX has been paid in full. Also if I dont pay the statement balance by the due date I will receive interest instead of paying by the statement date. My statement stated balance has to be paid in full by statement billing period. I have XXXX months of partial statement balance payments yet XXXX months of interest charge and They are refusing to remove it.
Consumer complaint received 2019-11-23
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. (CA)

I got my credit checked today XX/XX/19 because I want to refinance my car and I am unable to do so because there are several accounts reflecting badly on my credit report. There are about ten accounts on my report that are not mine. I had no idea that these accounts were open in my name before today ; I did not give anyone permission to open all of these accounts nor have I ever opened an account with any of those companies. I did not benefit anything from these accounts nor did I take part in any transactions that were made with these accounts. I do not have any signed or verbal contract with any of these companies and I filed a police report regarding this matter.
Consumer complaint received 2018-09-26
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. (OH)

XXXX XXXX, EQUIFAX, XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ran an unauthorized credit inquiry on me on or around XX/XX/2017.I never give written, oral or signature to authorized such a transaction. 
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence.

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], In addition, as part of your investigation, I am not understanding how these dealerships have salesmen that outright lie and misrepresent a potential customer or client. I was totally unaware that this gentlemen had done this to my credit.

I have another request that I would like to be honored for exclusion / early deletion for the inquiries that are with my permission and I due to fall off in a few weeks. I humbly ask to have XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX If you have any questions or need additional information, please contact me at address listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Phone XXXX Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-22
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. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2018-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

On or about XX/XX/2018 I had missed my most recent local home tax bill. I planned on paying it and knew it would be late ( one other time this happened and I paid late plus penalties ) Then I get a letter end of XXXX stating LoanCare paid the taxes and someone would be in touch with me. That never happened. I received a letter mid month stating my mortgage would go up {$1600.00}. almost double what I pay and have ever paid on any house I have owned. To date I have phoned over 15 times ( hold, put in a call back appointment-no call back, written emailed etc ) I have tried calling as of today 5 times the phone answering system is not working keeps pushing me out or not recognizing the numbers you push to move forward ( push 2 for this put your ssn in etc ). I CAN NOT afford {$1600.00} added to my payment and NOR should I have to. have sent notification I will pay the amount they paid on my behalf and I want my house payment back to the {$2100.00} ( or less if they can and I know they do lower ) for XX/XX/XXXX payment. There was ZERO notice and ZERO replies back to resolve this. Please help me with this complaint
Consumer complaint received 2023-02-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX - Date of inquiry : XX/XX/year>
Consumer complaint received 2022-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (LA)

I opened a XXXX XXXX prepaid account and was mailed a XXXX card. The XXXX card did not work and XXXX tech department was unable to assist and I experienced terrible customer service. I never used the service and do not owe XXXX a dime. They referred the account to Convergent who continue to harass me by email and postage mail. I explained this situation twice to Convergent and they continued to contact me. I sent a cease and desist and they continue to contact me for a bill I do not owe.
Consumer complaint received 2023-04-18
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. (VA)

XXXX XXXX XXXX XXXX XXXX violated permissable purpose of consumer reports a direct violation of FCRA 15 USC 1681 on my transunion credit file XXXX XXXX XXXX XXXX XXXX is reporting a late on XX/XX/21 on account XXXX which is a direct violation of the law under FCRA 15 USC 1681
Consumer complaint received 2022-05-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

On XX/XX/2022 I attempted to have the debt verified via nototorized statement from someone with original knowledge of the debt, as well as something from the original creditor with my signature on it. this request went unanswered by Midland Credit Management, who then continued to attempt to collect on this debt. I have serious doubts that this debt belongs to me. I've since received a letter stating that legal action will be taken on XX/XX/2022 if the debt is not paid in full at that time. Again I doubt the validity of this debt and do not believe it to be mine. Also while attempting to get validation of this debt they continued to report it on my credit reports. In addition they've listed the account that they hold as " open & past due '' if this debt were mine it would be impossible to be open or past due after the fact.
Consumer complaint received 2021-11-19
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: EQUIFAX, INC. (MD)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2023-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (TX)

Right to privacy. 

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666 B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

There was no authorization for this comoany tonhave my information.
Consumer complaint received 2023-02-22
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. (LA)

Greetings! 

In accordance with the Fair Credit Reporting act XXXX Account numbers below are in strong violations of my consumer rights. 

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 To my understanding, in 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 that A consumer reporting agency can NOT furnish any account without my written instructions to do so.