davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (WV)

My complaint is against First National Bank of PA that has not accepted payments made to my son 's auto loan. 
My mother, XXXX XXXX XXXX has made 6 electronic bill payments from her checking account with XXXX XXXX XXXX XXXX XXXX to my auto loan with First National Bank and none of the payments have been credited to the loan. My mother and I have made calls to First National Bank trying to clear this up ( XXXX XXXX, XXXX, & XXXX, XXXX ). THe bank and the bill payment center have confirmed that payments were electronically sent to the correct address and loan number. The bill payment center and my mother had a 3 way conference call on XX/XX/XXXX explaining the situation. The bill payment center faxed the payments ' information that day showing proof of payment. As of today, XX/XX/XXXX,  First National Bank still has not deducted the 6 payments total of {$1600.00} from his loan balance. I have been sent letters for delinquent account stating I will be turned into the credit bureau because they have not received payment. Their bill payment department needs to research and locate the payments since dates have been given to them with reference numbers when payments were sent.
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (VA)

See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.
Consumer complaint received 2022-12-27
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. (PA)

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 XXXX XXXX XXXX XXXX XXXX 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 an 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 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

Since mid XXXX, I have been trying to get check copies from Wells Fargo. These are needed for required documentation purposes. Despite at least 8+ hours of calls to all levels of banking, Wells Fargo refuses to provide banking records. Wells Fargo sends emails to acknowledge that I have called and they just shine me on. I have spoke to " Wells Fargo Executive Office '' and despite multiple over more than 6 weeks, Wells Fargo " executives '' do not return phone calls and do nothing to provide the documents requested.
Consumer complaint received 2022-12-13
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: CITIBANK, N.A. (NJ)

THE HOME DEPOT/CBNA last reported a late payment on XX/XX/ for an account in the amount of {$330.00} XXXX XXXX last reported a late payment on XX/XX/ for an account Im the amount of {$320.00} XXXX XXXX XXXX last reported a late payment on XX/XX/ for an account in the account of {$810.00} XXXX XXXX XXXX last reported a late payment on XX/XX/ for an account in the account of {$530.00} XXXX XXXX last reported a late payment on XX/XX/ for an account in the amount of {$220.00} In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Absolutely atrocious customer support for nearly TWO weeks that completely failed to resolve a transaction dispute with full proof and uploaded claim info. 

Bank of America continously closed my claim with generic responses. Yet, literally every person I talked to agreed it was a very easy closed cased, offered their sympathies, and made notes on my claim to ensure it was " properly handled ''. 

Either this is fixed and my claim is handled properly or I promptly shut down every one of my accounts. 

If I walk into a store and buy X and they hand / ship my Y that's entitled to a refund. Similarly, if I pay for something and the provided service by the company is extremely unprofessional and sexual harrasment that does as well. 

Your handling of this has been absolutely disgusting.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX is not reporting my account on my credit report. Please make sure this account is being reported ASAP!! The account number is XXXX
Consumer complaint received 2020-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp (IL)

My name is XXXX XXXX. I have a mortgage with Union Mortgage and my taxes went up 3x. We are struggling to make the payments. I have asked the mortgage company to spread the shortage more than 2 years. Right now it is still almost XXXX more a month than what we were paying. I need help!!!! I know mortgage companies can spread the shortgages longer than 2 years. Its just their preference to do it for 2 not to hold it on their books. XXXX does not have a 2 year limit. 

XXXX XXXX
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: EQUIFAX, INC. (MS)

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 2022-12-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (FL)

Sunday ( XX/XX/XXXX ) - I notice my account is locked. I call Marcus by Goldman Sachs and they have the account unlocked. I go to my account to transfer money and it says there are technical errors and to try again in a few hours. 

Monday ( XX/XX/XXXX ) - I am still receiving the same error so I open a chat. The chat representative tells me I have a no debit hold on my account. They tell me to call XXXX Tuesday ( XX/XX/XXXX ) - First call : I call at XXXX and explain the situation. After waiting an hour, she informs me that there is a garnishment placed on my account. Then, I call the IRS and I'm informed that it shows no debt on my account ( both through the IRS and private ). 

Second call : I call and within 10 minutes, the representative tells me I have access to my funds. I hang up and immediately try to transfer money and get the same message. 

Third call : I speak with an agent who takes 30 minutes to tell me that I have a garnishment on my account. Then, I have to wait another 30 minutes to speak to a supervisor who told me to check my credit with a credit bureau. 

After checking the credit bureau, there is still zero sign of any debt that I am unaware of. All loans and credit cards have been paid off on time. Marcus has been completely unhelpful in getting me the information or source of the garnishment. In total, I spent over five hours on the phone trying to figure out this problem today and I still have zero answers.
Consumer complaint received 2022-12-27
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. (GA)

I sent my letters of XX/XX/22 I told credit bureaus to '' investigate every piece of information '' on accounts I have listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or made of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (NY)

On XX/XX/2019 at XXXX XXXX of XXXX XXXX I reloaded my XXXX XXXX card using my Visa Gift Card Purchased from Giftcards.com issued by Blackhawk network. The XXXX XXXX reload did not go through and it prompted me to be issued a refund of {$500.00}. I accidentally put it on a different gift card that was included in my gift cards.com order. The refund went through and brought VGC 's balance to {$1000.00}. I communicated with Blackhawk throughout the process and explained the situation with them. I then provided proof of the return that included a receipt with the amount ( {$500.00} ) and the last four numbers of the VGC. They then fraud locked the card and have refused to work with me demanding proof of purchase. They refused to accept my online XXXX transaction showing the reload and instant reversal, which includes the same XXXX XXXX Store in detailed transaction overview. My name is on the VGC and I have authenticated and verified myself throughout the process but have recieved no remedy to the situation and subsequently have had my {$1000.00} held hostage.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OH)

On the morning of XX/XX/2022, a third party gained unauthorized access to my Coinbase account. Despite having, by the website 's own definition, extra strong security options chosen for Multi-Factor Authentication options, Coinbase did not ask for the secondary authentication via temporary app code. 
Using this access, the third party proceeded to make several transactions converting virtual currency into US Dollars, which were then instantly sent via bank transfer to a bank account that had never been associated with my account before. The site ( supposedly ) forces a wait time of 3 days for Crypto addresses being added to an account, but allowed this new bank account to be instantly added and transferred to without verification. 
I was made aware of this breach within the hour and locked my account, notifying Coinbase of the breach at the same time. It took them 2 weeks to respond, claiming they locked my account ( which I had already done ). It took some time to restore my account access, and the communication with their support takes days to weeks in between emails and the responses seem to be form letters instead of specific to what I've asked for. 

They seem to be in violation of Federal Regulation E in their lack of responsiveness, and refusal to do anything about the unauthorized bank transfer that they processed. As far as I'm aware, I'm supposed to be protected from unauthorized ACH bank transfers. 

Whenever I bring it up, their " support '' emails only mention the immutability of crypto transactions, and refuse to address that they moved US dollars via INSTANT ( which the third party paid more of my money for ) bank transfer. On top of the transaction fee of {$440.00} to process the sale of my digital currency, and the {$0.00} instant bank transfer fees, XXXX Coinbase made money off this theft. All told I'm out, {$25000.00}. Plus any fees it would take to regain my original assets ( which have now gone up in value while I've been out of the market ). 

They refuse to provide me with the full bank account number the stolen funds were sent to : All I can see from the XXXX is XXXX XXXX XXXX  XXXX. I have submitted what data I could to the FBI cyber crimes division. 

The following transactions and times : {$4900.00} XX/XX/2022 XXXX XXXX  {$4900.00} XX/XX/2022 XXXX XXXX  {$4900.00} XX/XX/2022 XXXX XXXX  {$4900.00} XX/XX/2022 XXXX XXXX  {$4900.00} XX/XX/2022 XXXX XXXX
Consumer complaint received 2022-02-22
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-11-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In late XX/XX/XXXX, I mailed a dispute with FTC documentation to TransUnion disputing the inquiries below as unauthorized. 

XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Finance - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX On XX/XX/XXXX, XXXX XXXX TransUnion regarding the above unauthorized inquires on my credit file to no avail. There was sadly a language barrier issue involving the representatives that I spoke with at TransUnion, and they did not resolve any of the issues on my credit report listed above resulting in me filing a complaint with the FTC regarding this matter. These inquiries have negatively impacted my credit, and adversely impacted my ability to obtain new credit.
Consumer complaint received 2023-05-15
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX To whom this may concern, After recently reviewing my consumer report, I noticed UNAUTHORIZED credit inquiries on my consumer report. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these erroneous items IMMEDIATELY and send me am updated copy of my consumer report. 


Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-02-17
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: SYNCHRONY FINANCIAL (NY)

In accordance to the Fair Credit Reporting Act this creditor has violated my rights. 
Under 15 USC 1681 section 602 states that I have a right to privacy.

Under 15 UCS 1681 section 604A section 2 also states that 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 end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on XXXX, XXXX XXXX and XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
Inaccurate Addresses : XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX ; Accounts : XXXX XXXX XXXX XXXX XXXXand XXXX XXXX XXXX
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

XXXX XXXX XXXX XXXX is once again reporting my account in error. 

XXXX shows the account last PAYMENT was made on XX/XX/XXXX yet the account was CLOSED on XX/XX/XXXX. How could I have made a payment on a CLOSED account? 

These dates are wrong and according to the FCRA, they must delete any information on my credit report that is incorrect. 

Once again, XXXX is harassing me and my financial life by prolonging derogatory credit reporting to pay me back. They have intimidated me in the past and had little compassion for me as a military service member. Over the years, these dates have shifted numerous times and its all to take advantage and bully me. Please ask XXXX to send you a paper trail of all these date changes then please fine them.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (NY)

Below are inaccuracies that I would like to dispute and remove from my credit profile. 

Employment Information : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Phone Numbers : Please be advised that any phone number listed on my credit report, other than XXXX is inaccurate and does not correspond to my contact information. I request the immediate removal of any erroneously reported phone numbers that are not associated with the provided correct number. Please remove all other numbers other than the one listed here. 

Please update my current employment to XXXX XXXX I request a comprehensive investigation into these inaccuracies and the subsequent removal of the disputed information from my credit report. I understand the importance of accurate reporting for maintaining the integrity of credit profiles, and I am committed to ensuring the correctness of my personal information. 

To facilitate the investigation I have attached supporting documentation that verifies the accurate details of my employment residence, and contact information. I kindly request that you promptly review this dispute and provide written documentation for the corrections made to my credit report I appreciate y our attention to this matter and anticipate a timely resolution. Please provide a written response with the statutory period, as per the Fair Credit Reporting Act, Confirming the removal of the inaccuracies from my credit report. Thank You for your prompt attention to this matter.