davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-04
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. (TX)

In accordance with the Fair Credit Reporting Act, these Inaccurate accounts has violated my rights and therefore must be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S.C. 1681 623 " Responsibilities of furnishers of information to consumer reporting agencies. 
I submitted a report from the Federal Trade Commission in regards to the Identity Theft that took place with regards to my credit. The Bureaus and furnishers have been contacted and have not corrected the fraudulent accounts showing in my credit report.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I have been with Credit Acceptance for a long time, and I have always appreciated the good value and service I have received from your company. Recently I checked my credit report and noticed a delinquent payment history. I was devastated to see a late payment show up. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. I would love to remain an active consumer of Credit Acceptance and would like for us to work together to update my payment history that is hindering me from getting approved for credit. Will you kindly send me confirmation that this erroneous late payment has been corrected, updated to paid as agreed/never late and deleted from my credit report and sent to the consumer reporting agencies to update. I appreciate your companys decision and consumer satisfaction to do the right thing. Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

Debt collector United Revenue reported to the credit bureau that I OWE {$1400.00}. According the XXXX United revenue is not registered in the state of Texas to collect debt. Ive called debt collector XX/XX/2024 to verify the debt collector license as well as an email for verification.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (GA)

Complaint Regarding Failure to Receive Promotional Bonus Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their failure to provide me with the promotional bonus promised in their website campaign. Despite meeting all the requirements specified in the promotional campaign, I have not received the XXXX XXXX as offered by U.S. Bank. 

To provide a comprehensive overview of the situation, I have attached the relevant documents for your reference. Page 1-2 in the pdf contains screenshots of the campaign in XX/XX/XXXX from U.S. Bank XXXX which clearly outlines the terms and conditions of the promotion. Page XXXX includes my account balance detail confirming that met the requirement for promotional bonus. 

Moreover, page 3 displays my U.S. Bank transactions, demonstrating that I deposited an initial amount of {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. In total 4 direct deposit of {$10000.00} within 90 days, thereby satisfying all the eligibility criteria stated in the promotional offer of " deposit {$10000.00} or more within 90 days ''. Needless to say I already enrolled in both online mobile banking at that time. 

Despite my repeated attempts to contact U.S. Bank, I have not received any satisfactory resolution to this issue. I first reached out in XX/XX/XXXXXXXX  and the customer representative confirmed my completeness of the promo requirement, but asked me to wait until the 90 days period to end to receive the bonus. After 90 days, I called again and was told there is another 60 days validation period. Lastly, I called the third time after these 60 days, and was told I did not met the requirements, which is obviously a conflict of what I have been told at the beginning. 

I believe this failure to fulfill their promotional commitment is a violation of their terms and a breach of the agreement made between U.S. Bank and its customers. Such practices erode consumer trust and undermine the credibility of financial institutions. Therefore, I kindly request your intervention in resolving this matter and ensuring that U.S. Bank honors their promotional offer by promptly providing me with the promised {$600.00}. 

I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against U.S. Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation.
Consumer complaint received 2022-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I was told by Shellpoint that my escrow account had been credited {$530.00}. They provided fabricated documentation that it had been. This mistaken payment was for incorrectly paying earthquake coverage from my escrow account after I had paid it directly. 

Per the attached documents, which they are not reading, the escrow analysis shows no credit. Therefore, my escrow account shows a shortage. I am being asked to provide an additional $ 75/month is escrow shortage. 

Please do not copy and paste from a prior complaint. I will continue to file complaints until you address the escrow shortage complaint and reduce the escrow shortage. A recalculation document is required under the law.
Consumer complaint received 2022-04-17
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: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/2022 XXXX charged my credit card an amount of {$170.00} usd the amount appear to be for someone else insurance payment. I disputed the charges with XXXX but they asked to dispute the charges with the Bank, so I did but American Express refuses to resolve the issue, I have opened the dispute 3 times but the company is unwilling to investigate the issue.
Consumer complaint received 2018-05-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION (CA)

On XX/XX/XXXX my office secretary sent me an email stating that she had received an automated phone call stating that " they '' have tried to fax me documents, but were unable to do so and I was to call them at XXXX. 
I called them on XX/XX/XXXX, and I spoke to XXXX XXXX who said she was calling from XXXX XXXX XXXX in XXXX CA. She said that CXXXX XXXX XXXX ( their client ) had attempted to email me several times about a debt I owed them, and that I had not responded. Now it was going to litigation. If I didn't pay {$940.00} right now, I would be served papers, and I would have to settle the matter in court. They would sue me for check fraud. Her tone was very abrupt, loud, and demanding. I told her that I hadn't received any emails from XXXX XXXX XXXXXXXX - even in my spam. I told her that I wouldn't give any information over the phone, and that they would need to send me all documentation through the mail - information about their company and information about the supposed debt I still owed. She said it was too late for that. She had all of my information including my SSN, previous addresses, phone number, and my work phone number. She told me that she had spoken to my supervisor at work and the Human Resources department as well. ( both people said that they had not talked to anyone about this. ) I called XXXX XXXX  XXXX on XX/XX/XXXX, and they confirmed that my debt with them had been settled as of XX/XX/XXXX. I called XXXX XXXX XXXX back to let them know this information and spoke with XXXX XXXX and told her that I had proof that my debt had been settled with XXXX XXXX XXXX in XX/XX/XXXX. She said I was still going to be served, and that I had better bring proof of that when I was in court. I told her " you bet I will ''. She hung up on me.
Consumer complaint received 2022-06-04
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. (GA)

In accordance with the Fair Credit Reporting Act the accounts listed here have violated my federally protected consumer rights to privacy and confidentiality. 

Accounts : XXXX XXXX XXXX XXXX Is in violation of my rights. 

XXXX XXXX  XXXX Is in violation of my rights. 

15 U.S.C 1681 SEC. 602 A states that i have the right to privacy.

15 U.S.C. 1681 SEC. 604 A sec. 2 states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX5 U.S.C 1681c. ( a ) ( 5 ) states that no consumer agency may make any reports containing any other adverse items of information, other than records of convictions of crimes which antedate the report by more than seven years.
Consumer complaint received 2022-04-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

My account has been blocked by Coinbase without any reason since XX/XX/2022. My fund is blocked and i can not trade or transfer my money. Initially after several times calling and emailing they said that they need my driver license which they already have it. I resent it to them. After few week and again several times calling and email, coinbase said that there are multile account under my name under different emails. I answered that I only have one account under my name and my email. The other accounts and emails does not belong to me. They have ny answred since more than a month ago despite severl times calling, emailing and chatting with them. They only say I have to wait till review is over. Homw many months this review is going to last. They have done this tbing to alot of people. They freeze, block, and some cases take people 's money from their accounts with out their permission. The have multiple class action lawsuit against them. Please help.
Consumer complaint received 2023-03-09
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. (LA)

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.

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 This is my accurate address XXXX XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

TO WHOM THIS CONCERNS I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
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. 

These accounts and inquiries are not done by me. 
IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Phone Number
Consumer complaint received 2023-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

Shellpoint responded with all the payments I paid. But, said it didn't matter when I paid my payments. I had to be charged the full 30 days of interest. I wanted to ask for your help to confirm if that is true. Why did they send me information to do biweekly if my loan is not eligible? 

I came to this site for help. To tell me if they are being legit or not. 

I want them to show me where they applied my payments to save on interest. 

Please let me know if you can help with loan terminology. 

I have never went through anything like this before. If I'm better off paying once a month? 

Thank you for any information you can provide. 
XXXX XXXX
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

My well Fargo Bank has been Stealing from me this has happened 5 times and now have put a hold on my money and Refused to let me close my account i have over {$4000.00} in there the have already taking XXXX. XXXX out of my personal and. and again XXXX two time they had my business account neg. XXXX moths XXXX XXXX up until now XX/XX/XXXX today I got my income taxes and they put A hold on my money and will not return it they made a false claim up and said i told them to open a fraud claim i never gave this person permission to use my info went to close my account today XX/XX/2023 and was refused to be giving my money and close my business after someone on inside keep Robbing me and lying saying they were going to return my money and never did they waited until i got more money to pay the money they took form my business account they have taking over XXXX dollars from me disrespect me and mentally hurt me I have spoke to claims fraud department about my money as well as self who the bank say they gave my money to but than slip up and said that self retuned the money but it was never returned to my account at all. I need My Money Please Help They Forcing me to bank with them by not letting me close my account and holding my money as well as not returning all money they stole prier to Today. And Today I will be calling police to do a report XX/XX/2023 Thank you They even lied about the claim date the problem is I never opened a claim I ask a question if money pending was mine as a business bank loan or was that money indeed sent in good favor the took my money
Consumer complaint received 2022-11-17
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. (NY)

- 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. 
XXXXXXXX XXXX XXXX has violated my rights. 
- XXXX XXXX XXXX section XXXX 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 if of information, Other than the record of conviction of crimes which antedates the report by more than 7 years - 15 U.S.C 1681-2 ( A ) ( 1 ) A person shal not furnish any information relating to consumer to any consumer reporting agency if the knows or has reasonable cause to believe that information is in accurate XXXX XXXX XXXX and Experian Call 3 reporting agencies falsely reported on my credit report they reported an an accurate balance on a repossessed vehicle not including the price that they auctioned off the vehicle for resulting in my credit report showing false numbers my debt owed I have proof from the lender that the balance is in accurate on my credit report which I will include in my complaint On the credit acceptance letterhead page it clearly shows my remaining balance is XXXX meanwhile all three credit bureaus are reporting my current balance as XXXX Also this account name is in proper this account name should be listed as a credit sales agreement due to the fact that the dealership did not give me a loan directly they sold it then the highest bidder approve me of the loan Also the original balance is clearly XXXX When all three credit bureaus or falsely reporting it as XXXX
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc (SC)

In XX/XX/XXXX, subscribe monthly to Anytime fitness ( ABC Fitness Solution ). I contacted the company to cancel the subscription after four months. The company stated written cancellation is only accept. and then written cancellation was sent. The company tries to deduct monies from my account after cancellation. Anytime fitness sent an email to continue a monthly subscription. Anytime fitness sent a bill for {$750.00}. On XX/XX/XXXX, The company then sent the debt to my credit report, which is currently pending.
Consumer complaint received 2023-02-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Experiance at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 2023 XX/XX/2023 my company changed thier pay roll company from XXXX to XXXX. The checks look different however they are still Bank Of America checks from a BOfA customer. For 3 pay periods in a row Bank Of America has refused to cash my paper pay roll stating the reason of not having a imagine of what the new checks look like. Please keep in mind 1. This is from a Bank of America its thier check, so they should have an image 2. My employer has XXXX of employees that receive these checks every 2 weeks, so they should have an image.

3. If they rely on past imaging why does it take so long for up to date information.

4. At the very least should have an authorization for these checks.

Instead They advised me to deposit my pay roll in to my account at my bank or open an account with them.

The issue is why doesnt BOfA take BOfA checks not whether or not I have direct deposit.

The issue is if BOfA cant cash paper checks why offer them to your customers to give as payroll. This is not a personal check.

The issue is if you have this system in place why does it take so long to update. 


I have to go to a sketchy XXXX in XXXX to cash these checks.
Consumer complaint received 2024-03-13
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-11
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)

Ina ccordance with the Fair Credit Reporting act XXXX Account # 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