davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-10
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. (MO)

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 2019-12-18
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: Experian Information Solutions Inc. (SC)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

I open a XXXX account with Wells Fargo and evertime deposit will be made from job money will be took from my account and the next or XXXX  days later money will be put back or sometimes never and I called Wells Fargo bank they act if they couldnt do anything about I try ask for cooperation office number they didnt want give me the number so I end remove my direct deposit from there bank because I was tired of money getting took out of my account unannounced and tired of calling and the bank act if they couldnt do anything about it!! So I just let account close and never want to bank with them again and whoever created Wells Fargo need XXXX whooping for allowing money to get took out of everybody account with out know and dont know where the money is getting took from.!!! Over XXXX hundred has been took from my account have of I still havent seen.
Consumer complaint received 2019-12-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (GA)

I don't know if I should file this complaint against multiple companies or if I should file separate complaints. One complaint deals with the original creditor and the collection agency trying to get double enrichment because both of these companies are citing this derogatory account on my credit profile. The vehicle in question was subsequently sold at an auction and I believe that this company owes me for a surplus of cash that they received from the vehicle. This company did not give me any of the prerequisite notifications before or after this vehicle was sold therefore I don't know how they came up with this amount of money that they claim I owe them but I do not owe them this amount of money, to the contrary I believe they owe me. They are refusing to validate this debt, they only sent basic verification information to the credit bureaus for A name and amount, but I specifically asked that this account be validated as an accurate and true. I asked for a list of items which they are refusing to give me, the original instrument of indebtedness in its original form, a calculation of deficiency amount including the fees and interest, a copy of the assignment a purchase from the Creditor with a full and clear title, bank statements proving late payments were deposited on a date, proof that the debt collector legally bought this debt and the amount the debt was purchased for, notice of sale, post-sale notice, accounting of surplus, disposition of collateral, repossession deficiency balance, right of reinstatement, right of default, certification of accuracy, they refused to give me any of this information that I requested. I'm asking that this account and all negative remarks associated with it you immediately removed from my credit report.
Consumer complaint received 2019-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (OH)

Hello - I recently paid my mortgage down from XXXX ( original loan amount ) to XXXX. The balance is 78 percent of my loan amount. I just spoke to my lender, First National Bank, and requested that Private Mortgage Insurance be removed. They said that I must first submit a {$400.00} check for an appraisal to determine the value first. But it appears in this post and in looking at the legislation that that should not matter. The determination legally should be made on my original value amount, not an appraisal. This insistence that I pay them {$400.00} for an appraisal seems like an egregious attempt to circumvent consumer protection law. If they are relentlessly giving me the run around on this, how many other people are they doing this to?
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (FL)

I am writing to follow up on my previous correspondence regarding unauthorized transactions that took place on XX/XX/2023, resulting in a substantial loss of {$2600.00} worth of cryptocurrency from my account Coinbase Google extension wallets. 

This is from the policy report that I had submitted shortly after. The actual cryptocurrency wallet address here are abbreviated : -- POLICE REPORT : I am writing to report fraudulent transactions that occurred onXXXX XXXX XXXX involving my BlockFi.com account. On that date, two unauthorized transactions took place, as detailed below:1. **Bitcoin Transaction : ** - Sent Bitcoin : XXXX XXXX - Amount : XXXX - From : XXXX - To : XXXX - Date : XXXX AM XX/XX/2023 - Transaction hash : XXXX - Status : Complete - Network fee : XXXX XXXX XXXX - Total cost : XXXX. XXXX XXXX XXXX XXXX  - Sent Ethereum : XXXXXXXX XXXX - Amount : XXXX - From : XXXX - To : darllymane.cb.id XXXX - Date : XXXXXXXX XXXX XXXXXX/XX/2023 - Network : XXXX XXXX Transaction hash : XXXX - Status : Complete - Network fee : XXXX XXXXXXXX XXXX - Total cost : XXXX -- -- I am writing to seek confirmation that I will be reimbursed for the stolen amount of cryptocurrency by Coinbase XXXX Despite my previous reports and requests for assistance, I have not received a response regarding the reimbursement of the stolen funds. 

The loss of this substantial amount of cryptocurrency has had a severe impact on my financial situation, and I kindly request your immediate attention and confirmation that the stolen funds will be reimbursed to my account. Your cooperation in resolving this matter and providing assurance of reimbursement would be greatly appreciated. 

Please provide updates on the ongoing investigation and the measures being taken to address this issue. Additionally, I kindly request a timeline for when I can expect the reimbursement to be processed. 

Please let me know if there is any additional information or clarification required to expedite this process. I look forward to your prompt response and confirmation of reimbursement for the stolen amount of cryptocurrency. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/XXXX we traded in a vehicle to XXXX XXXX. 
They pay off for the vehicle wasnt revived until XXXX cause XXXX XXXX doesnt not have a physical address. My credit report is showing a late payment which needs to be removed
Consumer complaint received 2021-12-14
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the XXXX written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00}
Consumer complaint received 2024-03-09
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. (IL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX  Balance Owed : {$8600.00}
Consumer complaint received 2019-12-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need these items deleted from my credit report : XXXX XXXX XXXX, XXXX  XXXX. Inquiries : XXXX  XXXX XXXX  XXXX, XXXX  XXXX XXXX & XXXX XXXX  I have contacted my local police and the FTC. I am doing this on my behalf.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am writing this request to CAP ONE AUTO that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX
Consumer complaint received 2023-01-16
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. (FL)

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXXXXXX XXXX  ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX XXXX XXXX XXXX XXXX  XXXX  and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX XXXX XXXX XXXX XXXX XXXX also said they can't find anything on this account. Please help
Consumer complaint received 2021-11-25
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. (NY)

I am an authorized user of XXXX XXXX XXXX XXXX ending in XXXX paid off infull with zero balance. Not reported by the XXXX credits bureaus as misrepresentation of Federal Truth In Billing Disclosure Act.

In Addition, Penfed credit Union overdraft is also paid infull with zero balance for account ending in XXXX. Not reported by the three credits bureaus as misrepresentation of Federal Truth In Billing Disclosure Act.

As a result, my recredit report is incorrect and inaccurate.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One issued an annual fee of {$59.00} to my account on a credit card that I rarely use for emergencies only. The account is usually setup to auto deduct for any balances since I've had it for almost 15 years. This year the deduction did not happen, nor did I get notification via phone or email that my payment was over 30 days late from XX/XX/2023 to XX/XX/2023. When I finally received notice on XX/XX/2023, I paid the annual fee plus a late fee that all totaled around {$120.00}. 

Today, I noticed that Capital One reported to all 3 credit bureaus which caused my credit score to drop by almost 50 points. I am in the middle of refinancing my families primary residence and this has caused a tremendous issue all on account of a miss in accounting and lack of proper notification from Capital One. I have had this card for 15 years and have never had an issue with payments or excessive balances.
Consumer complaint received 2023-01-23
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: TRUIST FINANCIAL CORPORATION (TX)

Never open up a truist bank credit card from XXXX to XXXX. This is fraud and theft. This is on my credit report from 3 credit bureaus and needs to be remove immediately. The account # on my credit report is XXXX.
Consumer complaint received 2023-01-23
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. (NC)

I sent a full amount of {$620.00} in the mail to XXXX and they should have received it on the XXXX of XX/XX/2023. They stated that the amount is not paid in full when it is in fact paid off and I have sent a full payment amount. I expect that at the end of the month they will remove the account off of my credit and show that it is paid off in full on XX/XX/2023. It is financial harassment and false reporting to continue to harass me for money I do not owe. I have sent the full amount of {$620.00} which is more that I owe, and I am now pursuing legal action against XXXX XXXX. I expect that my account will show as paid in full at the end of XX/XX/2023. I have sent the payment and they have received it. It is their fault if they claim to not receive it. It is no longer my responsibility once it gets to them. I am sick and tired of their poor customer service and I am now pursuing legal action against XXXX for XXXX XXXX and fraud. I want it off my credit report at the end of this month and I have already sent the payment so it better show paid in full.
Consumer complaint received 2023-05-12
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: ALLY FINANCIAL INC. (FL)

The fraud charges below were reported to credit card company who state they are unable to stop charges as they state the XXXX XXXX XXXX company pays an extra charge to XXXX to over-ride each new card they send me. The credit card copy could stop the charges, in my opinion if they contacted XXXX XXXX XXXX XXXX XXXX and said there is fraud being committed that needs to be stopped. But they wont do this. 

XX/XX/2023 XXXX XXXX XXXX XXXX TX {$97.00} XX/XX/2023 {$85.00} XX/XX/2023 {$85.00}
Consumer complaint received 2023-05-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc. (FL)

I'm writing to ask you to remove the accounts and data listed below from your consumer report. The following accounts and pieces of information shouldn't be included in my consumer report. This is a clear violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, and it has to be removed from my consumer report right once. Remove these accounts and data right away!
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX
Consumer complaint received 2020-01-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/2019, PayPal allowed transactions to go through on several purchases from my account to merchants I wasn't familiar with nor authorized these merchants to withdraw funds from my account. I called PayPal immediately to have them try to investigate the matter and to late have them refund my money after they've done their review. After a week went by, I noticed PayPal sided with me on this matter and they refunded almost all of my money back. At this time PayPal didn't issue me a new card or give me any reassurance that my account was safe from any other mishaps so I linked my bank card to my PayPal account and attempted to move the rest of my money to my trusted bank account. Within seconds of doing so PayPal shut down my account and denied me access to my funds which are still currently frozen in their systems. 

Name : XXXX XXXX Email : XXXX Contact : ( XXXX ) XXXX or ( XXXX ) XXXX PayPal Reference ID : Case XXXX Last Contact Date With PayPal : XX/XX/2019 Balance in Question : {$770.00} Date of Initial Problem : XX/XX/19 Company in this Complaint : PayPal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX.
Consumer complaint received 2023-01-23
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. (KY)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct or remove them in my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
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: GOLDMAN SACHS BANK USA (IL)

On XX/XX/2022, XXXX, a subsidiary of Goldman Sachs, and the issuer of the XXXX Credit Card, allowed someone to submit an application and received approval for a Credit Card in my name, without my authorization. XXXX without my authorization obtained a copy of my personal credit file from, XXXX XXXX XXXX. After discovering the fraud, I contacted XXXX, who then contacted XXXX to confirm if an identity theft against me had been done. XXXX confirmed thru XXXX that the card was issued on a fraudulent basis subsequently removed any record on the account from my personal credit report, including the unauthorized inquiry XXXX made on my report. 

I then contacted XXXX and was told that the account had been restricted, not closed but restricted pending their investigation. I provided them with a police report i filed with my local police department in XXXX, IL. After XXXX weeks, I received an e-mail from XXXX with my XXXX XXXX, with an outstanding balance of {$1900.00}. I then called XXXX and their representative told me the e-mail was sent in error. I asked them how this could happen when I'd been told that the account was restricted, and they responded that they did not know. 

I'm writing to you because I'm concerned with how XXXX is handling this situation in a very cavalier way. I just read that the Federal Reserve Bank is investigation XXXX for lacks security in its consumer finance division and I believe their lack of follow thru when granting credit and or at a minimum verifying consumer financial information/credit applications allowed someone to obtain a credit card in my name.
Consumer complaint received 2023-01-23
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. (KY)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct or remove them in my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX