davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST (CA)

XX/XX/XXXX - deposited XXXX dollar check XX/XX/XXXX - checked online and it cleared. Brought XXXX dollar balance to an available XXXX dollar balance. (, some credit was issued to me on top of the funds from deposited check. 


That evening thee balance went from XXXX available to XXXX available dollars. Then later returned to XXXX dollar balance prior to the check being deposited via mobile deposit. 

XX/XX/XXXX - A letter from Research and adjustments department was sent out informing me of a debit /credit to my account in the amount of the check due to a Mmobile deposit error and since it was presented to me as a available balance for a bbusiness day it instructed me to take my original document to the local branch and my account would bee adjusted. Thee letter apologizes for the confusion and provided a reference number which I used after the distraught banker rebuked my presentation and removed all trace of the transactional credit told me that I endorsed the check incorrectly and to send for another one to endorse properly. So 14 days later I received my next check, endorsed it like so and the check was XXXX dollars. A balance of XXXX dollars became available after depositing the check with proper endorsement and XXXX dollars nbecame available which I paid to my automobile insurance directly after. A month later I go to look for my proof of insurance and the task wasn't possible whereas the bank had stopped the check, lied about requirements for accounts and check management, and reversed the payment without my knowedge and removing from My astatement
Consumer complaint received 2021-12-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NY)

I have a Coinbase account. The password reset function on their website and app did not work ( the link via email would send me to Coinbase 's main webpage ). It appears that this has been a problem for other customers for days based on some online searches. Customer service could not provide information and would engage in shady practices ( placing me on hold on multiple occasions for long periods of time, refusing to stay on the line and answer further questions or assist, etc. ). As a result I have no access to my account and no information or method in order to regain access. While the website says that you can speak to customer service to speak with a security expert for password resets, that option was completely unavailable. I have never had a worse customer service experience.
Consumer complaint received 2019-08-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/2019I opened a Bank of America Checking Account using the promo code #XXXX, a code that was specifically unique to me using a physical mailer. I opened this account with verification code #XXXX.This targeted promotion was for a $XXXX checking account bonus after having direct deposits totaling > $XXXX in the first 60 days. Here is a timeline of what happened:XX/XX/XXXX: Account opened using promo code #XXXXXX/XX/XXXX: $XXXX direct depositXX/XX/XXXX: $XXXX direct depositXX/XX/XXXX: Received $XXXX bonusXX/XX/XXXX: First call regarding missing $XXXX. Customer service rep indicated she could not find any information regarding the bonus but to be patient and it would appear.XX/XX/XXXX: Second call regarding missing $XXXX. Customer service rep said bonus would appear within the next week.XX/XX/XXXX: Third call regarding missing $XXXX and escalated up customer service. Customer service indicated they had no record of the promo and that I was not targeted. Customer service rep said in order to get this missing money I would need to go into a branch to argue with the bank manager about this.After satisfying all of the conditions, Bank of America has no paid out the bonus to me which they initially were advertising. Bank of America has paid out the public bonus at the time; however I have received mixed information about the targeted bonus.
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-24
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. (TX)

I have inquires, Collection accounts, and closed accounts, wrong names, unknown address that was listed towards Experian that I disputed that needs to be removed, and It was not investigated within the " 30 days '' that Experian was supposed to exploit. Their are inaccuracies listed on my credit report that has caused great trouble on my report, and I would need them removed immediately! According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. Under federal law any Credit bureau has 30 days to complete an investigation. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Sincerely,
Consumer complaint received 2023-02-07
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: Experian Information Solutions Inc. (FL)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2019-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

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 These are only a few of the phone numbers for past year. Their company name : PORTFOLIO RECOVERY SERVICES. They have called me since XX/XX/XXXX. ( I did have an outstanding credit card which I paid off to them in XX/XX/XXXX, because I was homeless  and had 1 credit card that fed me. Now they have a different account. They continue to call from many numbers, at least 4x 's  per day. ( They always wake up my Grand Daughter ) They sent bank XXXX from the 2000 's that were not mine. ( 20 years ago )
Consumer complaint received 2022-12-19
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: DISCOVER BANK (CT)

I have credit card charges I didnt make and could have not made i was incarcerated at the times of the credit cards usage this is public information u can look my name up and see I was incarcerated I did not make none of those charges
Consumer complaint received 2021-12-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (GA)

Consumer Adjustment CO placed an account on my credit report. This item was disputed due to fraud on two previous occasions once in XX/XX/2021 and XX/XX/2021. In addition XXXX removed the item as a result of identity theft now my XXXX Credit Bureau report the identity theft account. The same debt continues to appear after being sold to various agencies. I have provided an original police report surrounding the identity theft. The item was just placed on the XXXX report and as a result of my identity being compromised this item should be removed.
Consumer complaint received 2020-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

I applied to refinance my mortgage with Wells Fargo last XXXX. To the best of my knowledge, I was approved.I spoke with XXXX & XXXX and everything was fine. After my home appraisal, I lost communication with my loan officer for a month and a half. I tried filed a complaint with Wells Fargo which got drawn out until last week, It appears the resolution specialist wanted to wait until I closed the loan to notify me everything was good. No investigation was done. 
We finally closed the loan last week. I was assured the closing company would send the checks to my debtors. It appears they tried saving postage and mailed me all 3 checks. I sent the checks to my creditors last week and so far, 2 of the checks have been returned by the closing company 's bank. 
Wells Fargo and their 'independent ' closing company have made my credit drop almost 100 points due to my debt usage. I have payments that have to be paid by the XXXX and because of whatever is going on with Wells Fargo, it appears I have to pay these creditors even though it was not in my budget. 
Wells Fargo has been incompetent, nonchalant and very careless with this process. They have a big name tat I expected better from, but so far I have received 1 star treatment, 1 star service and 1 star competence. I am not sure if they do not know what they are doing or if they just won't do their job. On the other hand, it could be some sort of profiling. I've tried wrapping my mind around everything going on, and their actions make no sense.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries :. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was recently reviewing all three of my credit bureaus from Trans Union, XXXX, and XXXX. When I noticed that I have some incorrect information on my credit report, referring to my name, occupation, and my address. 

My correct name is XXXX XXXX XXXX. my correct address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX. My employer is the XXXX. 

And according to the 15.U.S.C 1681 there should not be any damages on my report. Thats the defamation to my character.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Im requesting a block be placed on my credit report I tried numerous times to get these account removed Im a victim of identity theft these account was opened fraudulent in my name without my signature Im asking the creditors to provide my signatures and burden proof and sufficient verification that it was me that open these accounts. I want these accounts removed immediately from my credit report Im asking for an investigation of these accounts I have sent my identity theft report via mail once again remove these accounts I have sent to Transunion off my credit report you have 30 business days to respond if no reply by law its an obligation to remove the listed accounts thanks you.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-02-26
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)

To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX # XXXX** Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also 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 ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.
Consumer complaint received 2021-12-24
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. (FL)

On XX/XX/2021 I filed a complaint with the CFPB about Equifax ( Complaint # XXXX ) and Equifax has not resolved my issue. There is still 3 accounts that are reflecting on my credit file that need to be removed immediately. These accounts were showing included in bankruptcy XXXX XXXX  however there is no bankruptcy on file which means these accounts that are tied to it need to be removed. Equifax needs to delete these accounts that are tied to this inaccurate bankruptcy. I have included the dispute letter that I received from Equifax which shows these accounts in question are XXXX XXXX XXXX XXXX ACCOUNT # XXXX & # XXXX AND XXXX XXXX XXXX ACCOUNT # XXXX. My data was breached in the Equifax data breach and my credit file was impacted. Remove these inaccurate accounts from my credit file or I will be forced to file for litigation. I will not continue to be bullied by Equifax.
Consumer complaint received 2022-10-26
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. (TX)

In accordance with the Fair Credit Reporting act. I am attaching a Copy of the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681s-2 ( A ) ( 1 ) A person shall not fursnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable to cause to believe that the information is inaccutare.

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 advers item of information, other records of convictions of crimes which antedates the report by more than seven years
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Credit bureaus are refusing to remove inaccurate information on credit reports. Credit reports are showing inaccurate balance on closed auto loans. Inaccurately reporting vehicle as a repossession and voluntary repossession instead of just voluntary repossession. Reporting several missed payments when in fact it was only one missed payment. Ive disputed accounts several times and information still stands. Ive requested that the Credit bureaus provide methods of verification as it is my right to receive such information and theyve refused to do so.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (FL)

I'm being given the run around as to why my transactions are not being processed and reflecting on my account at the point of sale. I have called Navy federal credit union and is told many different stories. Please help because its causing problems with my account and all of a sudden my account is in the negative. Everyone has different stories from Customer Service, to the managers to the Branch Managers. No one is consistent.
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Credit Collection Services for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of XXXX and XXXX, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Credit Collection Services, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Collection Services, continues its collection efforts, I will file for litigation for actual damages caused and Credit Collection Services, shall be liable for violations of TILA, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX FTC XXXX and XXXX Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Credit bureaus are refusing to remove inaccurate information on credit reports. Credit reports are showing inaccurate balance on closed auto loans. Inaccurately reporting vehicle as a repossession and voluntary repossession instead of just voluntary repossession. Reporting several missed payments when in fact it was only one missed payment. Ive disputed accounts several times and information still stands. Ive requested that the Credit bureaus provide methods of verification as it is my right to receive such information and theyve refused to do so.