davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
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)

Ive been contacting Experian this past year in regards to the XXXX XXXX XXXX account thats inaccurately listed on my report. They refused to properly investigate and verify the account. Every time I ask them to investigate the account and request validation of debt, they dont comply and state the account is verified without the requested information and answers to my questions. Ive asked for specific information such as how was this verified, with whom did you speak with, when did it take place and so forth. Ive sent a bureau investigation letter, a follow up letter, a letter indicating that my consumer rights are being violated, a method of verification letter, and so on. I sent certified mails which was received on XX/XX/2022 and XX/XX/2022 and they have verified and/or updated without substantial proof. They dont answer my questions and/or comply out of all the times Ive contacted them . I have not received any proof of debt or document signed by me that validates the debt and its been over 90 days. Laws in 15 USC 1692 have been violated by this companys action. In addition to this account being falsely reported, Experians date of last activity is not consistent with the others, it states the account is past due and repeatedly reports collection every month, it reports an increase of balance and at some point in time stated the collection account status was open.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

I called my bank today which is the XXXX of XXXX and I reported fraudulent activity these are the dates and amounts that I reported XX/XX/XXXX - {$27.00} XX/XX/XXXX - {$27.00} XX/XX/XXXX - {$78.00} ( and this one I realized was not fraudulent, I remembered making this for a friend ) XX/XX/XXXX - {$830.00} XX/XX/XXXX - {$37.00}. 
Their fraud department deemed it was not fraud and closed the case!!
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I recently viewed a copy of a credit report, and I notice there are unauthorized credit inquiries made by the companies listed below.. 

To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. 


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 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 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am collecting the Pandemic Unemployment Insurance. The funds are dispersed by Bank of America onto a debit card. In the past I have had trouble using my card because they would check to make sure that I was making the transactions. However they allowed over XXXX dollars to be taken from my account. At first they told me it was a limousine company, then they said it was charged by XXXX ( I don't have a XXXX account ). I have been calling them for months about this. I spend hours each day on the phone with them. I have been told at different times that the money would be back in my account in one week, that my account is closed I have been hung up on after waiting on hold for three hours. Finally I was told that if I provided them with a police report they would return the money. I did that and they didn't return the money. I called crying because I had no money for my son at XXXX and a person on the phone told me my claim was closed. I went online and found out that people are having these type of problems all over the country with Bank of America. I am a single mother and have had to borrow money from my family to get by. Please help me
Consumer complaint received 2020-12-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (AR)

I have an account with Coinbase ( for 3 years ) where I buy and trade Bitcoin as an investment opportunity. I have funds locked in a Bitcoin XXXX  that need to be moved to my Bitcoin wallet ( part of their normal security process ). There are multiple layers of security and 2 email addresses are required. One of my old email addresses is no longer active so this is preventing me from receiving an authentication email to get my funds. Coinbase no longer has a phone line for customer service ( I assume due to covid ) so email is the only customer service available. I first emailed them about this problem XXXX, receiving a generic email thanking me for contacting them and someone would be in touch soon. I waited one week, heard nothing, email again -- same generic response back. Emailed again every day from the XXXX. Finally on XX/XX/XXXX I get a response saying the only way to fix this is to have them move the funds to my wallet, delete the vault, and then I could create a new vault and be back in shape. They sent a link asking me to verify my id ( send phot of drivers license ) which I did. On the XXXX I get the same email asking me to verify again which I did and got confirmation that it was verified. Today ( XXXX ) they email me saying if they don't hear from me my case will be closed due to no action on my part. BEYOND FRUSTRATING that my investment money is locked with no access and their lack of customer service is causing me to loose money every day as the Bitcoin market fluctuates like a stock price. Amazing that this company wants to go public with an IPO and yet has virtually no level of customer service when funds are locked and unacsessable. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem adding money
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Someone obtained my information and had my edd debit card sent to their address in California. I filed a report with the FTC, and local police department. Bank of America found proof of fraud, which the police did as well from images of atm withdrawals about 500 miles away. The fraud was committed in another state then where I live. BOA said I failed security questions about my self so it took time for them to realize it was actually me someone else set security questions and stuff which obviously werent a curate. Cause my truth failed their screening. When I told boa they sent my card to the wrong person and they took XXXX from my account I got hung up on and was on hold for 5 days 3 1/2 hours each day on hold I finally got through to get no where its been months and still no money they say its being investigated and now my account is frozen blocking me from obtaining what little money I do still have I am stuck out of town with no way to get gas until its unfrozen I have reports and pictures of someone at an atm taking my money what more evidence is needed I moved out of town months prior to filing for edd how was someone able to obtain a card in my name be on camera and not be in jail paying back the hardship they caused I earned my right to get ui through years of hard work for what to get it stolen and my complaints and disputes pushed aside like Im garbage Im lost for words just very stressed and confused and so many questions
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.I disputed these inaccurate items over 30 days ago and your agency failed to notate that it was disputed which makes your agency in violation of 15 USC 1681s-2 ( 3 ) 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate. 
XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef XXXXXXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately It is my understanding that you will recheck these items with the creditor who has posted them. I want ANYTHING that CAN NOT BE VERIFIED by them to be COMPLETELY DELETED from my credit file ASAP. I understand that you have 30 days to complete your investigation once you get this letter. If you can update me even sooner, that would be great
Consumer complaint received 2022-02-22
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. (PA)

I initiated 2 complaints ( XXXX ) to Transunion about a home improvement loan that they state in their report was not paid /has an outstanding balance from XXXX ( account ending in XXXX ) stating that in the month of XXXX a loan was paid is full from the proceeds from the sale of my property XX/XX/XXXX ( XXXX vittum hill rd.sandwich n.h. XXXX ) There is actually a zero balance on the disputed XXXX account as stated in other credit reporting bureaus.I also have contacted greensky who sent me a letter dated XX/XX/XXXX stating there is a zero balance on acct ending in XXXX, this letter was submitted to transunion for whatever reason they choose to ignore the FACTS.
Consumer complaint received 2016-01-09
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My husband lost his job and I was unable to pay my credit card payment for some time. After my account charged off Capital One has sent my account to a collection agency XXXX Attorney 's at Law. I began making token payments every few months and I got a letter from XXXX stating that as long as I continued to pay according to the agreement that we had made they would not take my account to court. I have never spoken on the phone with them, I have never made any sort of arrangements with them. So I continued to make payments when I could, as much as I could. I did not get monthly billing statements, I did not even know what my balance was at any given time. In XXXX 2015 I did finally get a bill stating that I owed {$1100.00} on my account and for XXXX my husband paid off my account for me on XXXX/XXXX/2015. To my horror I just discovered that this firm has filed suit against me in court Case XXXX. To my knowledge my account, although previously charged off, should be paid in full and should be reporting as such to the credit agencies now. I feel that this is a violation of UDAAP as it was deceptive to pretend that they had entered into some sort of an agreement with me without ever speaking with me. I feel it is abusive to continue to collect a debt and even file suit against a debtor that has paid off their account. I feel that it is unfair to not send monthly billing statements to a customer and expect them to know what is owed on a loan. Service providers for large banks should be held to the same standard as the big banks.
Consumer complaint received 2023-06-12
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 — Problem with personal statement of dispute
Company: Nelnet, Inc. (OH)

Nelnet was on pause while bankruptcy proceedings and still waited months later to report 6 payments being late. It was a forbearance and a COVID-19 were they on pause for any type of payment.
Consumer complaint received 2022-02-22
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC. (FL)

XXXX XXXX XXXX XXXX XXXX emailed to me the closing contract from Traid. The closing date was XX/XX/XXXX. The contract was signed and delivered to XXXX XXXX XXXX XXXX XXXX by XXXX XXXX of XXXX Fl. However, on XX/XX/XXXX, I received an email from XXXX at XXXX XXXX notifying me that Triad was not honoring the contract because they wanted the home to be my primary. I have an email from XXXX, XXXX showing that I would be keeping my primary home in XXXX XXXX, FL. This has caused a lot of stress and XXXX to me with them back out of the process this late, after the closing date. I have spent a lot of money on down payment, clearing the property, having dirt brought in, septic tank installed, permits, labor, and attorney fee.
Consumer complaint received 2023-03-16
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC (MO)

Rep at Transworld Services Inc called ( Second Time after I had asked for verification of debt that I never received and told them all communications must be done via mail going forward ), I missed the call and decided to call back. Upon doing so I was told the company name and that they were calling to speak to XXXX XXXX. I did not verify who I was or if I was who they were looking for. I simply stated, what is this in reference too. The rep on the end of the phone, without verifying identity stated " XXXX XXXX ''. This breaks FDCPA guidelines concerning releasing information to an unknown party. I could have been anyone on the other end of the phone and she just stated that she was calling concerning something related to XXXX. Not only does this go against FDCPA guidelines but HIPPA. You disclosed that I have a bill due to XXXX, who is a medical office taking tests. Which means you just told someone I had testing done for unknown reasons. If it had been a family member that could have caused major issues. Not only that, I had requested the last time I spoke to them to mail me verification of debt to the address they have in their systems and to do all further communication via mail. This counts as a verbal cease and desist which is another violation of FDCPA guidelines.
Consumer complaint received 2020-12-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NC)

I have been dealing with Shellpoint mortgage for a whole year. My loan was transferred to them from XXXX. When my mortgage was transferred, my monthly payment went up {$100.00}. I have been working with XXXX XXXX which is a service that is appointed by the state of NC that assists when you are behind in your mortgage. They send in all paperwork for modification and handle all aspects. I had health problems so I fell behind in my payments so XXXX which is my counselor at XXXX XXXX helped me complete my paperwork for modification and sent everything into Shellpoint and XXXX because I was transitioning to Shellpoint at that time. 

The person working with me at Shellpoint initially was XXXX XXXX then it switched over to XXXX XXXX. I was initially told that all of the documents were not received, so XXXX sent them in again as well as updated income documents. 

A few months went by and still no response from Shellpoint in terms of the modification then we were affected by COVID and my whole state shut down. 

I had been talking to XXXX XXXX and she told me that she didn't know anything about the information that was discussed prior to my case being transferred to her. She claimed she didn't even know that we sent everything in and that her point of contact for my file was XXXX XXXX. This company has been giving me the runaround. They did a forbearance on the property but XXXX XXXX didn't even bother to tell me that it was approved. I have sent multiple emails that were never responded to as well as called but I can never get anyone on the phone. In fact one of the few times XXXX XXXX responded to me, she claimed that she called me in the middle of the emails but I was messaging her from my cell phone and my phone never rang. 
I think this company is not doing what they are supposed to in regards to helping the consumer. A modification should have been completed a long time ago because they had all of the necessary paperwork that was sent in by an agency working for the state of NC. 

I have been doing everything in my power to save my home, especially during this pandemic but this company doesn't even want to follow the procedures put out by the government.
Consumer complaint received 2020-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 I reported 5 unauthorized inquiries to Transunion and creditors. 
After more than 30 days of the complaint, neither the creditors nor the CRA have removed these unauthorized inquiries, nor validated them. 

Per FCRA the CRA and the creditors have 30 days to verify or remove the unauthorized inquiries and both Transunion and the creditors have failed to comply with the FCRA. 

Therefore I demand immediate removal and compensation of {$1000.00} per violation, due to failed validation and removal according to FCRA timeline.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802.
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I purchased a health insurance policy XXXX from XXXX XXXX XXXX via visitor coverage online marketplace amounting {$1200.00} which was charges on my Bank of America credit card. I disputed this charge with both merchant and Bank after the merchant failed to provide the service I purchased the policy for - This caused severe medical implications for my parent and had to cancel their trip causing further financial and XXXX losses. Merchant agree to refund the amount but didnt do so and now my bank of america has reverted the charge on my account after initially giving credit for the disputed amount. I tried to establish contact several times but despite no one is helping to revert/refund back the amount. Need help to escalate and settle this and stop suffering from such a pain and inconvenience. Thanks!
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

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 Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2020-12-28
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: Convergent Resources, Inc. (FL)

On XX/XX/2020, CONVERGENT OUTSOURCING add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CONVERGENT OUTSOURCING has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2024-01-10
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: Experian Information Solutions Inc. (MO)

Experian is so negligent with my account they just notified me that a dispute was open XX/XX/XXXX for XXXX XXXX, WHY WHEN YOU CAN CLEARLY SEE ON THERE OWN WEBSITE THAT I PAID THI ACCOUNT OFF IN XXXX OF 2023, FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD
Consumer complaint received 2022-03-23
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. (GA)

In accordance with the Fair Credit Reporting Act .... 
XXXX XXXX XXXX Acct # 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.