davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. 
I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Health Ctr. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Coinbase, Inc. (KS)

On the XXXX of XXXX. 
Merchant name : XXXX XXXX XXXX Date/time of transaction : XX/XX/XXXX - XXXX Transaction amount : {$280.00} Dispute amount ( must include original transaction amount ) : {$240.00} Was your physical card compromised? No Is the card still in your possession? Yes Was this a recurring payment? No Have you purchased from this merchant in the past? No Have you tried to contact the merchant to resolve? Yes What merchandise or service ( please provide a detailed description ) was ordered and when was it expected to be received? it was an ATM withdrawal and expected to receive the cash immediately but the machine only dispensed {$40.00} out of the {$280.00} that I requested. 

On the XXXX of XXXX. I received this email from XXXX XXXX ( XXXX Support ) Hello XXXX XXXX XXXX, We've completed our investigation of your dispute for the transaction of {$240.00} made on XX/XX/XXXX at XXXX XXXX XXXX. 
We're happy to inform you that the dispute has been resolved in your favor. 
The provisional credit you were given on XX/XX/XXXX for {$240.00} is now a permanent credit as a result of the ruling in your favor. 
We appreciate your business and please don't hesitate to reach out with any questions. 

For more information, see our Coinbase Card help article XXXX XXXX XXXX XXXX  Regards, Coinbase Support There was never any provisional credit issued to my account at any point in time and thats for the whole time I have had an account. I have replied to the email numerous times and get no response. I have talked on the phone and online chat with coinbase support and they tell me that they will create a ticket, escalate my concern, and other standard support agent responses that lead no where. I mean it shouldnt be that difficult for them to handle youd think. The investigation is concluded and ruled in my favor therefore why is it taking so long to credit my account and why lie about already doing so?
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

B of A ( VISA-XXXX ) new card. XXXX 1. B of A never notified me of FIRST payment due by email or post, even though I called weeks before. Mailed bill arrives XX/XX/XXXX with payment due date XXXX XXXX {$110.00} interest for late payment 2. XX/XX/XXXX call. I asked interest to be reversed or I would close account. They would not reverse fee and I closed account by phone and paid off entire balance with associate by phone. I was told I could no longer access the account on-line but it was closed so no problem. Zero  balance. I understand/ accept their business decision 3. XX/XX/XXXX I received mailed statement showing overpayment balance of - {$9900.00} with my bank account debited XX/XX/XXXX. 
4. I call, 45 minute wait. talk to two agents, one supervisor XXXX ( ID : XXXX ). I explain the situation. He states the B of A algorithms are correct and there is no problem and money will be refunded, but he can not tell me when. " B of A will not pay any interest because their processes are ok. '' 5. I ask for interest for the money B of A borrowed from my account. he says " Good Luck with that. ''
Consumer complaint received 2021-12-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and there is no third party involved. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2022-03-15
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. (MI)

In accordence with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Acct # XXXX ) has violated my rights. 

15 U.S.C. 1681 Section 602a states I have the rights to privacy.

15 U.S.C.1681 Section 604a section 2 it also states A consumer reporting agency can't furnish a account without my written permission.
Consumer complaint received 2021-12-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

On XX/XX/XXXX I received a notice in the mail from Portfolio Recovery Associates, LLC Stating that they are responding to my dispute with documents that would prove the account in question was valid. ( I have the documents attached. The documents they sent were bills and statements. This is a violation pursuant to 15 USC 1692g - Validation of debts which states the 5 requirements that validate a debt. It does not once mention a bill or statement. This is a XXXX $ violation per each action pursuant to 15 USC 1692k- Civil Liability. This company has mailed me on over XXXX different occasions after I sent them a cease and desist letter without even sending me the proper documents. That places them also in violation pursuant to 15 USC 1692c ( C ) Ceasing communication this is another XXXX $ violation. I am seeking damages because this company will not comply with federal law and it will not invoke my specific remedy to resolve this issue. Attached I have proof I sent them a cease and desist. I also have proof they sent me bills instead of the XXXX requirements under 15 USC 1692g. I also have proof that this company keeps sending me mail every month after they received a cease and desist. This company is also reporting this information to atleast XXXX other companies without my consent or proof it has been a judgment against me according to 15 USC 1681b- permissible purpose this is another violation. I have proof of cease and desist attached with the return receipts to prove they received them. They sent me letters on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all are violations XXXX $ per occasion.
Consumer complaint received 2021-12-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have a Bankruptcy reporting on my XXXX, Exquifax, XXXX and XXXX. 
This information that they are report is not true and they need to delete it. I have send in the letter from the US Bankruptcy Court Clerk XXXX XXXX XXXX # XXXX, XXXX, NC XXXX on XX/XX/2021 and have not received a replay or removal from the Credit Bureau listed above. The letter I received from the Courthouse states that they do not report Bankruptcies to the following Credit Bureaus and they are reporting incorrect information that is ruining my credit and chance to buy a house.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

1-This company called ( XXXX ) is involved in reporting erroneous information about me to experian at the status level where they write : XXXX. 
For recall, the account was settled and paid therefore the status shouldn't be charge-off anymore. 
I have attached proof of settlement and paid off on my complaint. 

2-This company ( XXXX ) is also reporting wrong address information about me.
Consumer complaint received 2021-12-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Experian efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Experian is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-12-28
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. (IL)

On XX/XX/2021 I certified mailed a Notarized FTC Identity Theft report, with clear legible XXXX copies of my drivers license, social security card, utility bill and a statement from me that the information is not information relating to any transaction by me to Experian. They received it on XXXX XXXX. I called today and was told by XXXX agent that my documents weren't legible, but they were being investigated by the companies I listed as fraudulent. I asked to speak with a supervisor. I was told they can't transfer calls to supervisors. She said I would receive a call back in 3 days from a supervisor. And she also said they are investigating each account. According to 15 USC 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2021-12-28
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. (OH)

I received an email that had the wrong SSN and wrong information with my name attached to some accounts on my credit report. The statement in XXXX wasn't made by me which makes the information is fraudulent and I demand that each account be deleted immediately. The statement in the XXXX report wrong numbers asking to verify information to me using wrong phone numbers and adding wrong SSN numbers. 
The accounts that are not mine : XXXX XXXX  XXXX, XXXX, XXXX & XXXX XXXX My correct information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a Bankruptcy reporting on my Transunion, XXXX, XXXX and XXXX. 
This information that they are report is not true and they need to delete it. I have send in the letter from the US Bankruptcy Court Clerk XXXX XXXX XXXX # XXXX, XXXX, NC XXXX on XX/XX/2021 and have not received a replay or removal from the Credit Bureau listed above. The letter I received from the Courthouse states that they do not report Bankruptcies to the following Credit Bureaus and they are reporting incorrect information that is ruining my credit and chance to buy a house.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

A fraudster gained access to XXXX XXXX 's email account - and, in turn, accessed his Wells Fargo account ( he was using the same email and password for both ). On XX/XX/XXXX, the fraudster deposited a {$4500.00} fake check ( I can supply a copy of the fake check that Wells Fargo Fraud Department sent to us ) and then withdrew {$1000.00} via XXXX to XXXX XXXX XXXX XXXX on XX/XX/XXXX and {$500.00} via XXXX to XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX. The fraudster also accessed XXXX XXXX XXXX app and sent {$500.00} as " Purchase Authorized on XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX CA XXXX Card XXXX ''. 

We reported the theft on XX/XX/XXXX when my son received notification that his account was in the negative and reported the crime immediately to Wells Fargo. We are dealing with Wells Fargo now, and have also filed a claim with the XXXX XXXX Police Department ( CONTROL # XXXX ). We have not heard from the police though XXXX has called them numerous times with no response. 

Wells Fargo has credited us {$500.00} for the XXXX transaction, but is refusing to credit XXXX the other {$4000.00}, so XXXX has not had access to any of his other money that was in the account before the theft. Wells Fargo has denied our claims TWICE so far, without looking at his affidavit the first time... 

XXXX completed and signed an affidavit attesting to the fact that he did not do any of the fraudulent transactions nor did he allow or permit anyone else to do the fraudulent transactions. XXXX does not know who did this nor does he know XXXX XXXX. 

We are requesting that the FBI, Wells Fargo, the police... anyone who has the authority, to please find the fraudster and prosecute to the fullest extent of the law. We also are begging Wells Fargo to credit XXXX XXXX account so that he can access his hard-earned money! Wells Fargo has been exceedingly rude and disrespectful, never calling us nor following up with us to let us know they were denying our claims or why. We have deposited our paychecks into our Wells Fargo accounts because we had trust in them that our money was secure, yet they refuse to give us the same courtesy back to us.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I find my self here again because Bank of America keep approving and denying my claims when they are clearly fraudulent transactions this is not making any sense Im XXXX because I could not pay my bills because this nano refuses to do the right thing because I will continue tomlalemky complaints until I am heard and treated fairly I want my money from this bank at once Im tired of this my card never made it tommenunt yo p now amd now Im dealing woo theyre XXXX i at least asked for the claim in the amount of XXXX to be fixed and I keep getting the run around before being approved I want my money today tomorrow now my complaint will pile until this is resolved I hate that I have to fight with a bank that chooses criminals over their own customers
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

Hi I am writing you because I have experienced some issues with my bank which is with Chime and on XX/XX/XXXX & XXXX my money was taken from a hacker from my account and was not authorized by me I have filed a dispute with chime and filed a police report proof of authorization showing it and still nothing and they keep saying they not giving my money back and I feel like my money is not secured and I feel chime should be accountable for this cause its ridiculous that my money I worked hard for to be taken away like that if theres anything you can do for me it will very much appreciated
Consumer complaint received 2021-12-28
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. (OH)

I received an email that had the wrong SSN and wrong information with my name attached to some accounts on my credit report. The statement in EXPERIAN wasn't made by me which makes the information is fraudulent and I demand that each account be deleted immediately. The statement in the EXPERIAN report wrong numbers asking to verify information to me using wrong phone numbers and adding wrong XXXX numbers. 
The accounts that are not mine : XXXX XXXX XXXX, XXXX, XXXX & XXXX XXXX My correct information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  : XXXX
Consumer complaint received 2021-12-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (GA)

Account # : XXXX I have noticed several billing errors in the Truth-in-Lending disclosures section of the SIMPLE INTEREST RETAIL INSTALLMENT CONTRACT. 

The first one being the number of payments seems to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. Under regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me.

The next billing error is the down payment on the itemization of the amount financed. The {$700.00} cash payment is in violation of 7 CFR 1436.10 ( c ). The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor.

The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ).

These billing errors may be assumed to be a willful intent on misleading and or deceiving the consumer of the character/ amount of any debt 15 U.S.C . 1692e. All debt obligations and securities are owed to the United States 18 U.S.C 8. Do NOT
Consumer complaint received 2021-12-28
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. (IL)

DO NOT USE TRAVEL THROUGH CHASE Nothing but a headache and frustration XX/XX/17 XXXX noticed a travel through chase option and tried it for the first time. Chase customer for over 10 years. Booked flight to XXXX with reservation number for XXXX $ outbound and XXXX $ inbound. 

XXXX XXXX XXXX cancelled the flight I chose and rebooked it to another flight without consulting me. Unfortunately it did not work with my schedule. Contacted XXXX XXXX for a refund or credit but was directed to chase since I booked it through Chase. XXXX XXXX could not help. I called chase and had to speak with multiple people until I could get credit for XXXX XXXX. It was unnecessary of the number of phone transfer and agents telling me I couldn't get a credit until one finally helped. 

XXXX Trying to rebook flight to XXXX XXXX Since the flight was purchased through chase I have to go through chase travel again to use my credit. In order to book the flight, I had to do it through a virtual chat assistance. At the end there was a XXXX $ difference and was asked to pay in order to book the flight. When the transaction went through my credit card the virtual assistant stated I needed to call chase regarding my situation. The flight was not booked yet I have a XXXX $ charge pending on my credit card. I called the number given and spoke to person # 1. Person # 1 stated that she could not do anything after asking me for my name, date of birth, zip code, and credit card number for verification. I asked person # 1 to transfer to a manager. Manager connection was lost on the phone, there was silence and no response after giving her my verification information. I was re-routed to person # 2 who also asked me for verification. However, this person asked for my social security number. I told him I did not want to give that and i can provide other verification. He continued to state that was the only verification allowed and sent back to the holding line. The automated message stated it was a 10 minute wait for the next representative. I have not received an email yet and it has at least been 30 minutes since booking the new flight through Chase ; however in my " trips '' under travel with chase it does show a booking for outbound to XXXX with a confirmation number. 

This is the worst " reward program '' /chase benefit that makes me not want to be a chase customer.