davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (CA)

I opened a new account at Gemini XXXX XXXX ( https : //www.gemini.com/ ) online on XX/XX/XXXX. I deposited {$1000.00} cash into the account and brought about {$990.00} worth of XXXX under the exchange. I expected that I would be able to withdraw the crypto whenever its necessary. However I'm unable to do so. It gives me an error of security hold, but I've satisfied all of the company 's requirements and hold time. I have verified my account, made wired deposits from my bank, verified my identity by taking a picture with my drivers license and sent it to the customer service. The last message from their customer service was back on XX/XX/XXXX. They said they are working on removing the unreasonable restriction on my account, and I haven't heard from them since. Ticket # XXXX. I have followed up with them several times but they have not responded. Please help.
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XXXXXXXX XXXX XXXX I had mailed a mortgage check to my mortgage company, a few weeks later my mortgage company called asking if we had sent out payment.this is when I printed the front and back of my cancel check and sent it to the mortgage company. At this point the mortgage company told me I would have to contact my bank to get a clear copy of the back of the check. When I called my bank they told me there copy of the back of the check was blank as well.at this point I explained to the representative of XXXX  what my mortgage company said and the representative told me to report it to their fraud department. Its been over 3 months. The only thing I know is that the bank that excepted this check under fraudulent facts is Bank of America. They have not responded to chase and I am being told that if they dont respond the case will be closed and I will loose my money. 
Bank of America was frauded. 
My check was deposited with my mortgage companies name still on and exactly how I sent it out. With no endorsement or any information on the back of the check. How can the customers loose money there money because the bank did not do there diligence on there side. 
Its going on 100 days and my bills are being changed interest and my daughters medical bills cant be paid because I had to use whatever money I had plus borrowed money to pay the mortgage.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding CAPITAL ONE, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau XXXX, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to CAPITAL ONE. 

Upon information and belief, CAPITAL ONE received notification of my credit bureau dispute. CAPITAL ONE did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the CAPITAL ONE Account. 

Upon information and belief, CAPITAL ONE failed to instruct the credit bureaus to remove the false information regarding the CAPITAL ONE Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the CAPITAL ONE Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did CAPITAL ONE and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes.

The credit bureaus relied on its own judgment and the information provided to them by CAPITAL ONE rather than grant credence to the information provided by myself.

The credit bureaus published the false information regarding the CAPITAL ONE Accounts to third parties.
Consumer complaint received 2024-04-10
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

I have received a hard inquiry on my credit score that reduced my credit score by XXXX points. It is regarding a credit application to Capital One. THIS WAS NOT ME. I would like to report this application as fraud. It occurred on XX/XX/2024
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MD)

Inaccurate late payments are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate that the late payment marks be off this account as soon as possible.
Consumer complaint received 2022-06-05
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX number # XXXX, Account number : 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 2022-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

In XX/XX/XXXX, XXXX XXXXXXXX XXXX and I were in contact with Mr Cooper, the resource assigned to work on my issues was XXXX XXXX. after multiple issues with the servicer refusing too allow me to pay down balance, they finally agreed. on XXXX the XXXX, my balance showed $ XXXX, XXXX XXXX sent me and the, mayor of corona staff an email stating that all payments that were reversed by MR COOPER would be added back to my account. she honored her word and the payments were reposted, she said she would call the California mortgage grant program and advised them I now qualify for the grant and would communicate my balance which showed $ XXXX in the servicers portal. on XX/XX/XXXX, I emailed XXXX and asked if she sent the grant people an update, she said yes 2 updates with my balance, I checked servicer portal again it said XXXX, on XX/XX/XXXX i received a decline notice from the grant program citing the servicer told them my balance was {$82000.00}, and that my home at timer of purchase was upside down, implying my home was not worth what I paid and the amount MR COOPER communicated was {$530000.00}. this is not correct at all. now I have been denied help to save my home due to the negligence of this servicer. if I owe XXXX, why doesn't that information show up in the servicer 's portal, I dont see anything that says XXXX it says XXXX as of XX/XX/XXXX. this servicer is deliberately trying to cause my home to go into a foreclosure by communicating incorrect detail to the state
Consumer complaint received 2019-05-08
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. (TN)

I went to cosign for my son a car and after being there for about 4 hours my son was denied for his car because of me being a cosigner. I went home and pulled my credit on one of those credit sites and there are some things on there that are not mine. I've contacted my police department and the FTC. I'm doing all this on my own. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and there is a bankruptcy showing on my credit as well. I have never even thought of a bankruptcy. Please have these items taken off my credit. Thank you
Consumer complaint received 2022-06-05
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. (TX)

Transunion is reporting a fraudulent account onto my credit profile. 
My checking account was used by improper use with an institution that I have no relationship with. Account does not belong to me.
Consumer complaint received 2022-06-05
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. (FL)

The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations
Consumer complaint received 2022-06-05
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. (TX)

Transunion Credit Reporting agency is reporting inaccurate information for a balance and account opening date. This information is being reported as derogatory. As a result, negatively impacting my credit.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (FL)

In accordance with the Fair Credit Reporting act, this creditor has violated my rights. Under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 Section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2024-04-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding c/o Resurgent Capital XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX RE : XXXX XXXX XXXX 
ACCOUNT # XXXX Amount : {$9500.00} The above account is on my credit report. Please send me proof that you are the actual owner of this debt as there are a lot of scams on the internet. I request all communication be sent to my electronic email address : XXXX for privacy reasons.
Consumer complaint received 2022-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (FL)

CommonWealth Financial ( XXXX license XXXX ) showed up on my credit report, without any notification of debt, and also without notification of my rights, and also without any furnished proof of debt pursuant to FDCPA -= Under the rules of the FDCPA, debt collectors are required to provide details about each debt they are attempting to collect by SENDING WRITTEN NOTICE with the following information : Name of the creditor Amount owed Instructions on how to repay the debt. Common Wealth Financial NEVER SENT OR SUPPLIED ANY SINGLE NOTICE regarding any debt collection attempts or purchase. Additionally the origination never sent notice of sale or transfer of the debt. They unlawfully took harmful action on my credit report for an invalid and old debt collection, while also violating FDCPA with lack of regard to the appropriate lawful procedures for debt collection. A complaint to the State Attorney General XXXX XXXX, the XXXX XXXX XXXX XXXX against Common Wealth and their decision to ignore the laws of the FDCPA has also been made. I will continue to pursue all legal force against Commonwealth for violation of my rights and damages incurred under FDCPA if they continue to report harmful information on my credit file. They are required by law to remove this information for consumer abuse with their failure to follow FDCPA. CFPB should forward this notice also for compliance and legal fines as applicable by the FTC. XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have a XXXX account that I opened XX/XX/XXXX. Apparently, XXXX changed the banks the company uses for purchases on several occasions and every time this happens XXXX reports to the credit bureaus that I closed my account. From my understanding, the letter I received from XXXX about these changes stated that I will continue to have the same customer number, but they will provide me with a new XXXX account number. The issue is that on my credit report it shows my XXXX account that I originally opened which listed as by " XXXX XXXXXXXX XXXX Account '' on XX/XX/XXXX. This account was fraudulently reported as being closed on XX/XX/XXXX. Another XXXX account listed as " XXXX XXXX XXXX  Account '' was fraudulently reported that I opened this account on XX/XX/XXXX, following the " supposed '' and " fraudulent '' closure of the previous account which was fraudulently reported as being closed on XX/XX/XXXX. This account was also fraudulently reported as being closed on XX/XX/XXXX. Lastly, another XXXX account listed as " XXXX XXXXXXXX XXXX Account '' was fraudulently reported as being opened on XX/XX/XXXX, which contradicts the previous reported date of my XXXX  account being closed on XX/XX/XXXX. This account is reported as still being active. My customer number on these accounts did not change, but there were changes to me XXXX account number on all of them. At the moment I do not have access the different account numbers that were provided to me. I am currently trying to retrieve them from XXXX.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX XXXX XXXX pulled a hard inquiry on my XXXX XXXX that was not authorized by me. 

Then again on XX/XX/XXXX Capital one pulled another additional hard inquiry on my XXXX XXXX again not authorized by me- spoke to agent from capital Id XXXX on Wed XX/XX/XXXX name of agent : XXXX says denied due to fraud and updated the credit bureaus.
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (IL)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2022-06-05
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)

I have sent out numerous letters. 

The Credit bureaus stated XXXX XXXX XXXXXXXX # XXXX was properly investigated and verified but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violate my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I havent given this account written permission to furnish this account on my credit report as well.
Consumer complaint received 2022-06-05
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX number # XXXX, Account number : 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 2022-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (CO)

I use XXXX for everything as a result I have the Google play store on my phone. If I want to buy an app or book or anything like that I need to do it through Google. My Google pay account was suspended for suspicious activity they said but there's no way that's true as when they did it my last purchase was over a week before this. I've tried submitting the necessary documents. They wanted a picture of my drivers license and a picture of my statement from whatever payment I used last ro purchase something which was my XXXX as thats what I generally use for all of google purchases. I haven't heard back from anyone on it. I tried to call and it just went in circles. After covid they have a smaller team so there may be delays that make it take longer, no one knows how long or if it will even be fixed. I was told it usually takes 24 hours which it's been and no response from anyone. I requested to speak with a supervisor in the hopes of getting some answers on when it will be fixed and was told I was the next person on her list to call. It took almost two hours for her to call me. I unfortunately missed that call as it was so late at night. If I had been told it would be that long then I would of had them call me back the next day. The whole experience has been horrible and worst customer service experience I've had in a very long time. All I wanted was to buy some items in a game I play which it looks like I will miss out on since they are only available for a this weekend and then there was a bonus point event for the same app to get extra points for purchase that ends today that I'll be missing out on as well. I even tried to buy a Google gift card separately to just add it to my account to use in the meantime. Nope I can't do that either apparently. Poor communication skills and poor customer service from Google. Most companies when they think there have been fraudulent charges on your account freeze your account immediately since if thats really the case then they need to stop any further transactions. Doing it so long after the fact doesn't make sense. I have another Google account but I guess I'm also not allowed to make purchases on it either since it says do not use another account to make purchases on Google or it will be suspended as well.
Consumer complaint received 2022-06-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

A credit card at XXXX XXXX  XXXX was requested using my information as well as a credit report pulled without my authorization. I received a text message stating that my credit was approved.
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. (FL)

I am interested in processing disputes on my credit report to delete an remove all invalid data this is hurting my file. this has been an ongoing issue that needs to be resolved asap. ive addressed these errors multiple times an no updates or progress of deletions have shown. these items listed are illegal an fraudulent posted on my credit report. please review an remove the listed items asap.
Consumer complaint received 2022-09-29
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2022-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (FL)

XXXX has been notified to discharge the alleged debt and contract via signature and contract. This contract or loan has been deemed usury in the XXXX XXXX XXXX XXXX contracts defined. 
( XXXX ) All contracts for the payment of interest upon any loan, advance of money, line of credit, or forbearance to enforce the collection of any debt, or upon any obligation whatever, at a higher rate of interest than the equivalent of XXXX percent per annum simple interest are hereby declared usurious. However, if such loan, advance of money, line of credit, forbearance to enforce the collection of a debt, or obligation exceeds {$500000.00} in amount or value, then no contract to pay interest thereon is usurious unless the rate of interest exceeds the rate prescribed in s. XXXX. 
( XXXX ) As amended by chapter XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX which amended subsection ( XXXX ) : ( a ) Shall apply only to loans, advances of credit, or lines of credit made on or subsequent to XX/XX/1979, and to loans, advances of credit, or lines of credit made prior to that date if the lender has the legal right to require full payment or to adjust or modify the interest rate, by renewal, assumption, reaffirmation, contract, or otherwise ; and ( b ) Shall not be construed as diminishing the force and effect of any laws applying to loans, advances of credit, or lines of credit, other than to those mentioned in paragraph ( a ), completed prior to XX/XX/1979.