davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
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. (NV)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (CA)

I applied for credit card at best buy I was denied for card I applied for got determination letter saying I didn't qualify for then a couple weeks later I was sent a lower card I qualify for in witch I didn't apply for but I thought about it ok it's less of XXXX I applied for but then when I received it in I never thought a card was coming after denial letter so I opened it and called to activate it my information didn't match so they transferred me to someone I thought would help me but keep getting the run around asking me for personal information I didn't feel comfortable giving nothing but wrong information steady tried to get personal information I tried to tell them why should I tell you that if not needed to access this account nothing matches I gave them information on bill I got for a card I never activated gave account number on a bill I got still couldn't help me steady asking for personal information
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/19 I was at a restaurant in XXXX with a co-worker. We were given a bill of XXXX XXXX ( approximately {$45.00} USD ). We decided to split the bill between the two of us and we gave the waitress both of our cards with instructions to split the bill in half and charge each card appropriately. As soon as she swiped our cards, both of our phones alerted us to a possible fraudulent charge via our mobile banking apps. As soon as I received this alert, the app asked me if this charge was legitimate. I pressed " NO '', which I assumed declined the charge. 

The waitress than came back with my Bank of America card and a receipt that showed a charge of XXXX XXXX ( approximately {$490.00} USD ). I refused to sign the credit card receipt and informed her I understood this to be a scam. I then paid her {$60.00} for the bill in US currency and left the restaurant. 

My co-worker 's XXXX XXXX app also alerted him to a potential fraudulent charge and he was not charged by XXXX. 

I followed up with Bank of America the next day and confirmed it was a fraudulent charge. They canceled my card and sent me a new one. 

On XX/XX/19 I was contacted by Bank of America and told that because it as a " verified chip transaction '' they were probably going to decline my fraud dispute and charge my card the {$490.00} that was fraudulently charged. I again explained the events to the transaction to the Bank of America agent I spoke to agreed it sounds like a legitimate fraud claim. 

The next day, XX/XX/19 I received a letter from Bank of America verifying they did in fact decline the fraud claim and charged my account the amount of {$490.00}. The letter states that I either signed the receipt or supplied my pin at the time of the transaction. In fact I did not sign a receipt or supply a pin number. 

I contacted Bank of America regarding the decision and was told they would forward my case to the billing dispute department. In my opinion, and the opinion of the Bank of America agent I spoke with, this is a clear case of fraud but they refuse to acknowledge.
Consumer complaint received 2022-12-18
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. (NC)

his is my second time reaching out to you about this matter, but I am a Victim of Identity Theft from Equifaxs Data Breach. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. My claim number is XXXX for my Data Breach Settlement. 

The accounts and addresses are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX- {$790.00} XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. THANKS
Consumer complaint received 2022-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP (OK)

Bank of Oklahoma the first thing I let go back on XX/XX/XXXX for a withdraw of {$1300.00} from account XXXX to correct a debt that was my ex husband 's to bank of oklahoma. I went in to open an account they told me no to call a debt collector because I owed money. I called they had no record of me being on the account. I went back in a week later and they said the debt was cleared or they wouldn't have let me open the account. On XXXX they withdrew the funds with no notification after both companies told me they did not have my name on debt owed. I let it go. Now I have another problem because they did not close an old account. I deposited a check to XXXX on XX/XX/XXXX from a XXXX settlement. Following day on XX/XX/XXXX I went into XXXX branch to close the account ending in XXXX & open account XXXX. I transferred {$1900.00} to this account and closed account ending in XXXX. I signed papers to open the new and close the old. The old account has not been showing on my banking app till today XX/XX/XXXX it showed my paycheck from XXXX XXXX deposited but also fixed debt I had no idea about, because the account was supposed to be closed! & then I had to fix the debt on the new account XXXX that I was aware of. Because I have been in the middle of snowballing with bills because of the first initial withdraw XXXX did to take care of my ex husband 's debt back in XXXX of XXXX. They have record of me trying to find out what was going on we were at the broken arrow branch for over XXXX hours to figure things out & they still refused to refund the {$1300.00} even though it was not my debt. & now I have other fees that should of never went through on account ending in XXXX because it was a closed account. I am entitled to {$1600.00} from account XXXX XXXX XXXX XXXX XXXX combined Anything posted on account until XX/XX/XXXX I was aware of & even okayed with XXXX I even went back to the XXXX location and they said they have no record of me signing to close the account ending in XXXX because they no longer require it. I was asking for the copies of the account closure.
Consumer complaint received 2022-06-03
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. (MO)

There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Equifax and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Equifax sent a letter stating this block was an error. It was not. Equifax has violated my consumer rights. According to 15 U.S. Code 1681i Equifax is supposed to delete the disputed items during a full and complete investigation. Equifax violated this federal law. Equifax is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Equifax to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Equifax for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.
Consumer complaint received 2022-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I have been trying since XX/XX/2022 to have my mortgage company ( Freedom Mortgage ) remove my PMI. Initially they said they have to order a Broker Price Opinion and stated they will send me a letter which I need to sign and send back to them so that they can order a broker price opinion. 

Facts Pertaining to my case. 
1 ) Original Loan Amount {$270000.00} 2 ) Original Value of the home {$300000.00} 3 ) Original Loan to equity ratio 90 % 4 ) Current Principal Balance {$260000.00} 5 ) Current Value of the home ( As per XXXX XXXX XXXX XXXX XXXX ) {$340000.00} 6 ) Current Loan to equity ratio 77.56 % I have protested with the appraisal board and also appealed with Appraisal Review Board of the county and this is the value they appraise the property. I have attached the appraisal report. 

Hence I requested my mortgage lender to cancel the PMI since my LTV is less than 80 % but they have given one excuse or another to avoid this. When I spoke to them on XX/XX/2022 they are stating the loan needs to be at least 2 years old for them to do this. I have read through the entire loan trust deed and no where does it mention that it has to be 2 years before they can order a broker price opinion. The initially sent me another person 's loan deed to me ( which is a gross violation of another person 's privacy ) and when I called again on XX/XX/2022 and reported this they sent me my correct document and no where in the document it is mentioned that I have to wait for 2 years before having the PMI removed. 

They are forcing me to pay the PMI even when I have made all my payments on time and even made some additional principal payments in the XXXX year of my loan. 

I am paying {$43.00} each month for PMI which is not necessary at this point since the Loan to equity value is well below the required 80 %. It is only fair that the mortgage lender cancels this insurance and stop charging me for it. 

I have all the calls recorded and can provide them to you as well. The customer service representatives disconnect the call every time when I point out that the loan agreement does not stipulate a 2 year waiting period. 

I have attached the county appraisal report along with the evidence they used, an offer from XXXX offering {$340000.00} for the house, Realtors comparable sales analysis. Am not sure what else I need to do to prove to mortgage lender that the property value has significantly increased thereby increasing my equity.
Consumer complaint received 2022-12-17
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. (LA)

XXXX CONSUMER REPORT VIOLATIONS ON XXXX ACCOUNT WITH TRANSUNION ; 3RD ACCOUNT : TRANSUNION HAS BEEN VIOLATING MY CONSUMER REPORT UNDER 603 15 U.S.C. 1681a ( 2 ). MULTIPLE ACCOUNTS WITH TRANSUNION ARE SUFFERING THESE VIOLATIONS WHICH HAS INJURED THE CONSUMER. PLEASES SEE ATTACHED.
Consumer complaint received 2022-04-15
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. (GA)

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 2022-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Someone tried to open a card in my name with Bank of America. Thankfully it was denied. However, now theres a blemish on my credit report, and who knows what else someone may be trying to open with my name or social, etc.
Consumer complaint received 2019-07-11
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. (TN)

In XXXX or XXXX of XXXX, XXXX XXXX issued a request to the 3 credit reporting agencies, Equifax, XXXX and XXXX to fix an incorrect status on my credit report. The error, which showed a " 30 Days Past Due '' status for XXXX, XXXX ( 1 year prior ) was promptly fixed by XXXX and XXXX. Equifax has failed to acknowledge the request and still shows the account past due, when it was not. 

I have separately created a dispute directly with Equifax related to this, but no change has been made. 

XXXX XXXX Account Number : ( XXXX )
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (KY)

On XX/XX/2022 XXXX XXXX paid me to move out of my apartment and keep my mouth shut about the discrimination/retaliation I had faced from them for the past 5 years. At the beginnin of XXXX I was notified I owed a debt to XXXX despite them payin me to move out, I contacted the debt collector and asked them to validate the debt and on a few weeks later I got a statement that said I nothing was owed for rent, late charges, legal fees, nsf, utility, lease termination, insufficient fee, legal fees, dispossession fee, warrant fee, eviction fee, cleanin charges, damages, key charge, expcept for other non tenant rent was what was claimed to be owed not really a validation or explainin where this debt came from especially when XXXX paid me to move and has yet to pay my deposit of {$500.00} back? I sent a letter back on XX/XX/2022 to National Credit Systems requestin a validation of this fraudulent debt that XXXX seems to have just made up, and no response has been given. It has been reported on my credit report even though their hasn't been any judgements or court orders against sayin I owe XXXX a dime! 

XXXX XXXX XXXXXXXX
Consumer complaint received 2019-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. (CA)

I can not transfer my cryptocurrency BTC from my Coinbase vault  into my Coinbase wallet. I have {$430.00} USD worth of Bitcoin that  is in my Coinbase vault which needs to be withdrawn to my Coinbase wallet to access. I tried withdrawing but there is an issue with the withdrawal because I need to verify it from two of my emails ( my personal emails, one primary and another secondary that I had entered when I created my account ) to do so. 

Coinbase sent me a confirmation to both of these emails which each included a link to approve the withdrawal, and i was able to successfully verify it from my primary because after, I was directed back to Coinbase and a green check was marked on that email address under the withdrawal transaction. 

I then logged into my secondary email and followed the same steps, however after clicking on the link, a notification popped out from Coinbase which stated THE ACTION WAS ALREADY PERFORMED. Yet upon checking my Coinbase account and the withdrawal transaction, there was NO green check mark next to my secondary email address which meant that my approval from it was still pending. 

I then tried to do it again , ave even tried canceling the transaction altogether to create another withdrawal yet the outcome was all the same. NO green check mark next to the secondary, and no approval. 

I then did research online to see if any other Coinbase users have had the same problem, and found that there are MANY users who have encountered the same issue. However, Coinbase has not solved the problem after contact with support, and they still can not access the funds that are stuck in their Coinbase vaults. A few have even been waiting months which I found to be alarming, because the withdrawal process is stated to take no longer than 3 days. 

This is theft because Coinbase will not release the funds which are rightfully mine, due to their verification problems and technical issues. Please help.
Consumer complaint received 2022-12-17
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. (PA)

I sent a letter certified mail to LVNV Funding LLC asking for 1. Validation of the debt- that is the actual accounting 2.Verification of a signed invoice 3.A copy of the contract binding both parties ( myself XXXX XXXX, and LVNV Funding LLC ) however XXXXcording to 15 USC 1692 E,15 USC 1692 D,15 USC 1692 XXXX not use language or symbol of any envelope or in the contents of any communication effected by the mail or telegram that indicated the debt collector is in the debt collection business or that the communication related to the collection of debt
Consumer complaint received 2022-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

I have items on my consumer credit report I dont recognize. I XXXX XXXX did not open these accounts, therefore they are fraudulent accounts. I dont a contract with any of these companies. I would like an investigation conducted, and these accounts deleted from my consumer credit report as soon as possible. 

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 : also states a consumer reporting agency can not furnish a account without my written instructions These accounts below are fraudulent, and would like them deleted immediately from my credit report. 

XXXX : Account number : XXXX open date inconsistent and or duplicate account Amount : {$8000.00} XXXX  : Account Number XXXX open date inconsistent Amount : {$8000.00} XXXX  : Account Number XXXX open date inconsistent Amount : {$590.00} but credit limit is {$500.00}. ( Inconsistent ) open date inconsistent XXXX XXXX XXXX XXXX : Account number XXXX XXXX  open date inconsistent and or duplicate account. 
XXXX XXXX XXXX : Account Number XXXX open date inconsistent XXXX XXXX : Account number : XXXX inconsistent XXXX XXXX XXXX : Account number : XXXX inconsistent. Not mine, do not have a contract with them.
Consumer complaint received 2022-12-17
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. (OH)

I contacted the credit bureau and explained that I was concerned that the information being reported by their agency was inaccurate and/or outdated. After what has now been more than 30 days, there has been no response from the credit bureau but as I reviewed my credit reports and I see no changes. 

15 USC 1681e Section 607 b states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-12-17
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. (OH)

I contacted the credit bureau and explained that I was concerned that the information being reported by their agency was inaccurate and/or outdated. After what has now been more than 30 days, there has been no response from the credit bureau but as I reviewed my credit reports and I see no changes. 

15 USC 1681e Section 607 b states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-12-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

My XXXX XXXX, E-States at XXXX, in XXXX XXXX, CA contracts with CIT Bank to provide PropertyPay service which includes electronic payments as well as automatic payment. 

My automatic payment plan was set up in XXXX and never touched since then. 

CIT Bank has missed my XX/XX/XXXX payment and I was assessed a late fee of {$45.00} and delinquent interest of {$0.00}. 

Both the late fee and the delinquent interest was added to my bill and payment for XX/XX/XXXX which was subsequently automatically paid by CIT Bank.