davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: OKCoin USA Inc. (ID)

OkCoin is refusing to pay out three offers that I have completed with them. For reference, I signed up on XX/XX/XXXX and deposited {$100.00} that was used to buy XXXX XXXX. I received an email with an offer ( XXXX XXXX XXXXXXXX? XXXX & XXXX & XXXX & XXXX -- XXXX & XXXX & XXXX ) that stated that if I funded my account with {$100.00}, I would receive {$10.00} in BTC by XX/XX/XXXX. I messaged their support to confirm that I had satisfied this message and they confirmed it. They have not paid me for completing this offer. 

I received another email for an offer ( XXXX XXXX XXXXXXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX ) that stated that if I signed up for text messages by confirming the text message and then completed a trade by XXXX that I would get {$10.00} in BTC by XX/XX/XXXX. They have not paid me for completing this offer. 

I referred someone to OkCoin and they completed the Level 2 Know Your Customer check and deposited {$100.00} ( as attested to by OkCoin 's tracker ) to get {$10.00} in BTC shortly after. They have not paid me for completing this offer.
Consumer complaint received 2021-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo insists on reporting information they know is false despite multiple requests. XXXX XXXX and XXXX report this knowingly false information despite multiple requests. Now Im ready to take legal action against all parties involved as the refusal to correct this literally asinine error has caused and continues to cause me significant harm.
Consumer complaint received 2018-07-07
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Due to hardship financial situation and death in the family at the time, it shows that I have late payment ( s ) for Capital One and Kohls. According to XXXX and XXXX letters, Ive asked for proof but nothing ever sent to me.
Consumer complaint received 2016-02-04
Product: Credit card — 
Issue: Balance transfer — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

I accepted a 0 % interest for 12 months balance transfer offer from USAA and set up automatic withdrawals from my credit union account so that the balance would be paid within those 12 months. I ended up paying off the balance about 4 months early and attempted to cancel, without success, the remaining XXXX payments. I had a XXXX balance on that card in XXXX, yet USAA still withdrew the payment. I contacted them, they said they would cancel the remaining payments but that they would " have to put a ticket in ''. On XXXX XXXX, they again took money from my credit union account when I had a XXXX credit. I contacted them again and requested that they replace the money into my credit union account and they said they were unable to do that. I will be contacting my credit union today to request that USAA no longer be able to withdraw funds from my account.
Consumer complaint received 2021-12-10
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 — Problem with personal statement of dispute
Company: Berlin-Wheeler, Inc. (Kansas) (AZ)

I've contacted the Company that is holding my account " Berlin Wheeler '' multiple time this month XXXX XX/XX/XXXX. I've also been contacting XXXX XXXX on behalf being the company that submitted my account to collections. I spoke to a representative from XXXX and my account was never supposed to go into collections. Berlin Wheeler on the other hand wants to hold my account and will not remove it from my credit report because there saying they don't have the capability even though they do. Now I've spoken to XXXX and they are submitting a courtesy deletion to Berlin Wheeler to remove the account from my report. I believe Berlin wheeler will not remove it and want to hold my account just because they can and it is very frustrating. I've submitted disputes to all three credit holders XXXX, XXXX, and XXXX. XXXX investigated it and removed it from there end, now XXXX updated my information but didn't remove it. Why would XXXX remove it but XXXX not. I am currently trying to buy my first home and need this removed from my credit report so I can qualify for my home. I've had this account paid off since XXXX. Please help me.
Consumer complaint received 2022-03-26
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. (MD)

I have sent multiple letters to Experian ( XX/XX/2021, XX/XX/2021 as well as others ) asking to prove or remove inaccuracies on my credit report. I never received proper validation nor was the errors on the accounts removed. 

Please see attachment for latest letter sent to Experian.
Consumer complaint received 2022-03-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Transunion Are all keeping mixed files in my report and I have tried to dispute addresses names phone numbers and aliases like if I were a criminal and not a consumer.
Consumer complaint received 2023-09-30
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. (GA)

I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX Balance Owed : {$180.00}.
Consumer complaint received 2021-12-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (MD)

They are repeatedly calling me about something I have no clue about and I dont owe anyone anything. Now they better stop calling me and nothing is on my public record. First off my old last name does not apply to me anymore and I dont have no case file or anything with md regarding them. They called from XXXX.
Consumer complaint received 2021-12-10
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Nj, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act ). I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I am aware that section 609 requires you to have verifiable proof of my signature. As is my right, I am requesting the validity of my signature or that the items that the items listed below be removed from my profile. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : {$240.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE {$0.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX BALANCE : {$0.00} Additionally, I have highlighted these items on the attached copy of my uploaded statement. I request that all future correspondence be done through email. As stated in the FCRA, you are required to respond to my dispute within thirty days of receiving this letter. if you fail to offer a response all disputed information must be deleted. Thank you for your Prompt Attention to this matter.
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

As I have been looking over my reports. I see that there are late payments reporting on my credit report for the months of XXXX, XXXX, XXXX. I am requesting that the late payments on my credit report be removed. Per 15 USC 1666 b. I have been current so I don't want that to continue to affect my scores. 

XXXX XXXX # XXXX
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

As I have been looking over my reports. I see that there are late payments reporting on my credit report for the months of XXXX, XXXX, XXXX. I am requesting that the late payments on my credit report be removed. Per 15 USC 1666 b. I have been current so I don't want that to continue to affect my scores. 

XXXX Acccount # XXXX
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As I have been looking over my reports. I see that there are late payments reporting on my credit report for the months of XXXX, XXXX, XXXX. I am requesting that the late payments on my credit report be removed. Per 15 USC 1666 b. I have been current so I don't want that to continue to affect my scores. 

XXXX XXXX # XXXX
Consumer complaint received 2022-09-27
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. (DE)

Recently I did an investigation on my consumer report and it caused severe XXXX upon me. According to the Fair Credit Reporting act XXXX, TRANSUNION and XXXX has violated my rights as a federally protected consumer. 
-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy -15 USC 1681b ( 2 ) : states that a consumer reporting agency may not furnish an account without my written or oral instruction. 
-15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy Here are the errors as follows : 1. XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX 2. XXXX XXXX XXXX  OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX 4. XXXX XXXX OPEN DATE : XX/XX/XXXX 5. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX 6. XXXX XXXX OPEN DATE : XX/XX/XXXX 7. XXXX XXXX OPEN DATE : XX/XX/XXXX. XXXX 8. XXXX  XXXX OPEN DATE : XX/XX/XXXX. XXXX
Consumer complaint received 2021-12-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (WA)

On XX/XX/XXXX, there was a debt collection account that popped-up on my XXXX credit report. It says the collection date was opened on XX/XX/XXXX from a company named Credence Resource Management in the amount of {$490.00} from XXXX XXXX. I have absolutely no knowledge of this debt and have not lived in an area that supplies XXXX XXXX in 4 years. Let alone had any service that I can knowingly remember since XXXX. At the conclusion of my service agreement, I closed my account and returned all equipment. I have not heard anything or received any communication in regards to any remaining balances or debts owed.
Consumer complaint received 2022-09-27
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NJ)

Chase approved a new Amazon credit card on a purchase through XXXX. They issued a {$4000.00} credit line, and emailed an approval. When I didn't receive the card I called and they transferred me numerous times over numerous days to different departments who stated that they couldn't identify my address. After those attempts I stopped into a branch who helped me get through to the correct department. It was the fraud department who then stated that the account was closed. I couldn't get an explanation. I escalated it to the executive office who then stated that they couldn't approve the card because my balances were too high! This is after they approved it. These are all lies as my credit utilization rate is low at 23 %, and my address is correct as shown on the statement they sent. Now they also opened and closed the account on my credit files, lowering my credit score. How can they legally be allowed to do this? This is consumer fraud. 

Thanks for your help
Consumer complaint received 2021-12-10
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. (CA)

I have been in XXXX for the past XXXX years going to XXXX and just got back early this XXXX. I received multiple calls and letters of accounts that did not belong to me. I reached out to all banks and notified them that they do not belong to me. I have already filed a police report and sent all documents required via XXXX mail to the credit bureaus. Please help me resolve all these accounts that do not belong to me and clear my name of these accounts. Thank you.
Consumer complaint received 2021-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been in XXXX for the past XXXX XXXX  going to XXXX and just got back early this week. I received multiple calls and letters of accounts that did not belong to me. I reached out to all banks and notified them that they do not belong to me. I have already filed a police report and sent all documents required via US mail to the credit bureaus. Please help me resolve all these accounts that do not belong to me and clear my name of these accounts. Thank you.
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NV)

Almost a year and 1/2 ago I contacted CITI CARDS/CITIBANK to let them know that I was sick due to XXXX and that my income was affected and I had no money to pay the card and that I needed to request XXXX assistance. They told me that I was two weeks too late to qualify for their XXXX Assistance Program. I also tried to explain to them that I had a lot of difficulting trying to get through to them on the phone for those two weeks. They said it was too late and that there was nothing that they can do to help me anymore. They closed my account and reported me ( 30 ) Days late for XXXX, XXXX, and XXXX XXXX. 

I disputed the late payments with XXXX sighting XXXX with no success. 

I continued to pay my card for the next 12-13 months on time and I just made the last payment of {$3000.00} to pay off the card on XX/XX/XXXX. I called CITI CARDS/CITIBANK today XXXX XX/XX/XXXX, asking them to please remove the late payments now that I paid off the card. They said there was nothing they can do to help me. 

Then I tried disputing the Late Payments with XXXX online today as well, it was automatically electronically rejected. The program said ; " Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute '' So, I called XXXX and an XXXX Dispute Specialists advise me to contact you on this, he said that if needed to contact them back if I had additional information and when calling, use Report # XXXX. 

I was told that this would stay on my credit report for an additional 5 or 6 years. I really need your help as this is and will continue to affect me and my family financially with higher interest rates on credit cards and loans. Can you please help me get these three ( 30 ) Day Late Payments off my credit report?
Consumer complaint received 2021-12-10
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. (PA)

I am filing this complaint against equifax. i already sent over my id proof of address and fraud report. i was a vicitim of not only the equifax breech but fraud all over since covid. I just got off the phone with customer service representative who hung up on me. Equifax is violating my credit rights but not blocking these fraudulent items on my report. I am asking the consumer bureau to investigate this matter. And if not I would like a higher agency to deal with this.
Consumer complaint received 2021-12-10
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)

There is an inquiry from XXXX on my credit report. 

XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2021 I filed with the ftc, notified the bank and Experian, no one has helped fix this.
Consumer complaint received 2021-12-10
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. (FL)

I have submitted several disputes to Equifax and XXXX XXXX to have fraudulent inquiries removed from my report and they continue to close the dispute without the desired results. Please assist with getting these fraudulent inquiries removed.
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, I went to XXXX XXXX XXXX to look at cars. Before I asked to test drive a car, they ran my credit & asked to hold any card with my name on it. I gave them my debit card to hold but did not authorize any funds. The dealership was very pushy and it was a bad car deal so I ended up not buying the car. I checked my bank account the next day and {$2000.00} was taken out of my account. I never signed a contract authorizing them to take money out of my account or keep a deposit. They were deceptive about everything and took advantage of a young woman who was new to buying cars. I called Wells Fargo and explained to them what happened, they reversed the money temporarily. On XX/XX/XXXX, I got an email saying the investigation for the claim was completed. On XXXX, they took the money back out of my account and would not open up a new claim. XXXX XXXX XXXX will not explain why they took the money out of my account and says I need to work it out with my bank.
Consumer complaint received 2018-07-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK (FL)

I receive paperless statements each month from my student loan servicer, so the servicer has a duty to notify me each month when a new statement is available for me to view. My statements are created on the XXXX of each month and I am usually notified via email by the XXXX that they are ready for me to view. The payments are then due on the XXXX of the following month. In order to avoid accruing additional interest, I typically make payments on the date I am notified that a payment is due, the XXXX. This past month, the servicer failed to provide me with any notice that I had a new statement available to view and that I had an amount due on XX/XX/XXXX ; this is similar to notice mailing a statement to me if I received paper statements and is a violation of Regulation Z. 

I just happened to log into my account this morning because I was wondering if I had an amount due. I was not sure if I had a payment due since I often make more than the minimum payment. However, I logged into my account to clarify this because I had not received any notifications. If I had not happened to log into my account this morning, I would not have made a timely payment.
Consumer complaint received 2022-09-26
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. (VA)

In accordance with the fair credit reporting act, this creditor XXXX XXXX XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b states a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.