davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-03-02
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: EQUIFAX, INC. (FL)

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. 

XXXX XXXX XXXX # XXXX, XXXX 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 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 2023-03-03
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: W&A Intermediate Co., LLC (TN)

XX/XX/2022, this was the second time I disputed the report on my file. Today I received the response. XXXX could not have read the statement I included to them either time. Wakefield is reporting a medical bill for {$130.00}. As per XX/XX/2022 medical under {$500.00} should not be listed on my report. I have email verification where I have contacted Wakefield as well. I again disputed this with XXXX for the third time on XX/XX/2022. I included snap shots of the information pertaining to this issue. Neither company are following proper procedures. This is a health care bill I. The amount of {$130.00} from Wakefield.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I attempted to use my USAA VISA card to purchase tour tickets for the XXXXXXXX XXXX on XX/XX/XXXX of this year. The purchase was through the recreation.gov web site. The bank denied the charges. On XXXX XXXX I called USAA Bank and was told the credit card couldn't be used for foregin transactions. I explained that the website was clearly a government domain with the United States and that the charges shouldn't be denied. After over two hours on the phone, I was assured the issue was resolved. 
I attempted use the credit card on successive days and it was denied each time. Repeated conversations with the customer service at USAA failed to resolve the issue. Repeated attempts to use the card by recurring or programed payments were also denied by USAA. 
During a conversation on XX/XX/XXXX, I was told I would be contacted within XXXX hours by the resolution team to correct the issue with the credit card. That telephone call never came. On XX/XX/XXXX, I attempted to use the card and again it was declined. I had to cancel the card and terminate a 48 year relationship with USAA Federal Savings Bank.
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act in regards to Account # XXXX XXXX XXXX XXXX, XXXX XXXX has violated my rights in regards to the following laws : 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. States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666b. States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 ( a ) ( d ) ( 1 ) ( 2 ) States : Definitions and exclusions.
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the following accounts listed on my credit report : XXXX BANK XXXX Collection Account XXXXBANK/XXXX XXXXXXXX Charge Off Account XXXX CARD XXXX Charge Off Account XXXX & XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX Charge Off Account I am disputing the accuracy of these accounts on my credit report. I believe that they contain errors and inaccuracies that are negatively impacting my credit score. 

I am requesting that you investigate these accounts and correct any errors that you find. As a consumer, I have the right to an accurate credit report and I expect that my credit report will be free from any errors or inaccuracies. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am also requesting that you provide me with written confirmation of the results of your investigation within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-22
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)

here are unauthorized inquiries that i didn't do i went over my credit report and check if any of this has been link to any of my account but i don't see them and i do not recall doing this inquiries.
Consumer complaint received 2021-08-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: KEYCORP (WA)

I am working Key bank on a refinance of my property. This is a program in partnership with XXXX  under the Cash Offer option where XXXX funds a short term high interest loan which will be refinanced out of. Keybank commits to a aggressive closing timeline of 30-35 days and makes promises to close in the time frame. My re-finance took almost 60 days to close despite us providing document timely. Experience is both frustrating and added significant cost to our mortgage due to the high interest short-term loan.
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I was one of the victims of the Bank of America credit dard fraud. I have an email chain between myself and Bank of America, as well as phone conversations about a credit card that was opened in my name, and approved after I called BOA to state it was fraudulent.
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (MN)

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. 

XXXX XXXX : # XXXX, XXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX XXXX XXXXXXXX XXXX, XXXX : # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 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 2023-03-31
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. (CA)

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.
Consumer complaint received 2023-02-27
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. (TN)

I have for over a year battled credit reporting agency 's and XXXX XXXX  for several accounts i did not open. i have provided police reports as well as identity theft affidavits to all 3 credit reporting agency 's as well as the creditors. I started with 8 accounts which there ae still 2 which I've not been able to clear my name. these would be XXXX and XXXX both by XXXX XXXX. i dont know what else i could provide them to help me clear my name of these accounts i really need your help to resolve this issue as I'm mentally drained and depressed over the issue.
Consumer complaint received 2023-02-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRUIST FINANCIAL CORPORATION (IN)

My taxes was taken so while trying see issue with I discovered I supposedly had a car loan with a XXXX XXXX  I never received any mail bout this are have any knowledge of this account my checking account had fraud alert they send me I having alerts credit cards someone trying get my name I don't own a car at all I don't even know what Truist Bank is I have tried contacting bank I don't know going on I never had vehicle with this people are agreed and sign any paperwork with them I was in XXXXXXXX XXXX for 2 years currently live Indiana this car loan agreement whatever I didn't sign are do I know what a Truist Bank is wouldn't even do business with that I need help IRS recommendation to put XXXX report here I also going contact Truist Bank again and credit bureaus I sent email to XXXX already because of a data breach they had
Consumer complaint received 2023-02-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bankers Auto Acceptance (CA)

I bought a used vehicle on XXXXXXXX. The finance company did not inform me of all my rights as a consumer or options. They overpriced it and I gave a down payment of {$3500.00}. To top it off the XXXX XXXX XXXX was so overpriced. A few days in the vehicle smelled burnt. I maintained the services on the vehicle for 8 months when it broke down. The woman that was in charge of my file, XXXX, well she a rude. Does not know how to help the customer. When I asked for a deferment she argued with me and did not let me talk to her supervisor. She would call me a week before my payment to tell me when I was gon na make a payment that I was late. I have been paying for 8 months when it overheated and stalled. The vehicle has been in the XXXX services since XXXX. I hired an attorney to help me with this issue because they sold me a lemon. I informed them that the vehicle was not working and I was not gon na pay insurance. They added their insurance. Which was ridiculously high. I called in XXXX so I can find out if they can have the dealership buy the vehicle back but XXXX was rude. She said, " We don't work like that. She preceded to tell me your car is not eligible for lemon law. She also threatens me by saying XXXX XXXX you are in good standing don't mess that up. I made a partial payment but she reported me to the credit agency that I was late and the amount she posted was not correct. She was being argumentative with me so I decided to tell her that I just called her for one thing and I hung up. She kept calling me and calling me that day. For the next 3 weeks, she kept calling me every day. On XX/XX/XXXX, I mailed them my dispute and cease and desist letters. On XX/XX/XXXX, I faxed them as well. A few days later they went to pick up the vehicle from the XXXX service center. The repo company is charging me XXXX dollars the first day and 7 every day after that for storing my stuff in the car. I just got the letter that when they repo the vehicle they didn't even call me they allowed it to run. I have an attorney for that vehicle. I lost my job because of this. I need the vehicle that was the whole point of purchasing it.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (CA)

My Serve Prepaid Debit Account was permanently suspended on XX/XX/2023. I received an email stating that the activity on my account was in violation of the Consumer User Agreement, section : 15D. There was no detail provided on what the actual violation was and I believe this was done in error. 

After spending a total of 3 hours being on hold and transferred to multiple departments, I was finally able to speak to XXXX who is one of the Account Supervisors in the Fraud Account Protection team in XXXX XXXX XXXX, Utah. 

XXXX stated that he could not give me any details about my account and he could not give me a time frame of when I would receive my funds from the closed account. I was instructed by XXXX to write a letter to customer care. 

I have been a Serve American Express Cardholder for nearly 10 years and have never experienced such chaos and utter disregard. I have funds on this card and no one can provide me with a time frame as to when I should expect my funds from this closed account. I relied solely on this card and this extremely inconvenient.
Consumer complaint received 2023-06-22
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 told the Experian, XXXX, and XXXX to reinvestigate these accounts. Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. 

For Collection/Charge off 1. XXXX Account Number : XXXX 2. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX 3. XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX 4. XXXX Account XXXX : XXXX 5. XXXX XXXX Account Number : XXXX 6. XXXX XXXX XXXX Account Number : XXXX I demand for Collection charge off accounts be deleted immediately and for open account that has invalid late payments should be updated in my credit profile report as paid on time. 
Under 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. 

For Open Account Invalid Latepayment 1. XXXX XXXX Account Number : XXXX 2. XXXX XXXXXXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-01-26
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: EQUIFAX, INC. (TX)

This credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. A dispute was sent in XX/XX/2023 and they to do a proper investigation or acknowledge my dispute. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

This is related to your announcement last week with Bank of America. I had a fake account opened which was discovered during my California divorce from XXXX to XXXX. 
During the divorce this unknown card and account by me went off to receivership with a company called XXXX. My divorce was a painful one in which my health suffered a great deal. After the press release last week on the BoA harming consumers -- > I am one of them! 

I have read many articles and it appears that the restitution process will be posted on your website? Is that correct?
Consumer complaint received 2023-06-22
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. (CA)

Someone applied for and obtained credit cards and loans in my name with different financial Im not sure how they got my information Im not the owner of these accounts 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Coinbase, Inc. (CA)

From XXXX through XXXX I lost over {$90.00} using Trading platform called Coinbase. 
I downloaded on my XXXX via XXXX XXXX and followed all the directions. 
It mostly happened during converting my crypto. 
I couldnt convert my crypto in many occasions, and that repeated over that period of months, it must happened over a dozen times. 
I reached Coinbase support in various times. 
Coinbase support denied any wrongdoing and said that It was because of price changes. 
I just dont believe it, because in various occasions for example, during trading XXXX must tried a dozen times over and over and still got the same email about not be able to convert. 
I also have other issues with Coinbase trading platform performances.
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (TN)

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 : US DEPARTMENT OF EDU account numbers XXXX, XXXX, XXXX, 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 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.