davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
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: OPORTUN FINANCIAL CORPORATION (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX, I deposited XXXX dollars cash into the ATM Machine at Citibank. The money did not register and they said they had 10 days to investigate. This is wrong that is my money and I think if this happens they are supposed to pay me back double the money for this aggravation. Seeing that it is XXXX time and this has thrown my life off balance something has to be done on this.
Consumer complaint received 2022-12-16
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (CT)

I have a charge off of {$10000.00} but they are also showing a monthly payment of {$570.00}. I never set up a payment arrangement. It shuld not show a payment on a charge off.
Consumer complaint received 2022-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (PA)

I submitted a complaint ( XXXX ) on XX/XX/2022 to the CFPB regarding debt collection by Security Credit Services , LLC ( SCS ) of a fraudulent account of which I became unaware. 

On XX/XX/2022, XXXX XXXX, Support Services Manager, of Security Credit Services , LLC ( SCS ) responded to the CFPB regarding my complaint. I thought the issue was resolved at that time. 

However, in a letter, dated XX/XX/2022, from XXXX XXXX XXXX ( XXXX ), I was informed that SCS placed my account for collections with XXXX XXXX XXXX ( Reference Number XXXX ). This is simply a fraudulent scam perpetrated by two collection agencies and probably the original creditor, XXXX XXXX, XXXX. that needs to be investigated.
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

The following unauthorized charges were denied by the bank. They said I waited too long to file a claim XXXX {$270.00}. To : XXXX XXXX. XX/XX/21 {$100.00} To : XXXX XXXX XXXX. XXXX. {$75.00}. To : XXXX XXXX XXXX. XX/XX/21. {$300.00}. To : XXXX XXXX XXXX. XX/XX/21. {$11.00}. To : XXXX XXXX XXXX. XX/XX/21. {$110.00}. To : XXXX XXXX XXXX. XX/XX/21. {$50.00} To : XXXX XXXX XXXX. XX/XX/21. {$240.00}. To : XXXX XXXX XXXX. XX/XX/21. {$570.00}. To : XXXX XXXX. XX/XX/21. {$280.00}. To : Snap travel XXXX. XX/XX/21. {$230.00}. To : XXXX XXXX XXXX. XX/XX/21. {$500.00}. To : XXXX XXXX XXXX. XX/XX/21. {$500.00}. To : XXXX XXXX XXXX. XX/XX/21. {$240.00}. To : XXXX XXXX {$3600.00} I provided all info they requested including a police report.
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2021-12-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (ME)

earlier this year I was impacted by COVID. I paid and settled one account with Midland credit, and told them the maximum amount I could pay to settle the other was between {$200.00} and {$300.00}, the entire amount in my savings account at the time, as I had just received what was my final paycheck from the job I was let go from due to COVID. I was told they simply could not do that on the phone and online when I inquired, and that there were no other options for me. I can not afford the entire balance on any of their " convenient payment plans. '' Since then, they have threatened a lawsuit, serving papers, etc. I find these threats both inappropriate and poor business practice since I chose first to reach out to this business and settle with them, and have settled another account with them. As I know collectors purchase debt for pennies on the dollar, I know they CAN help me, and are choosing to threaten me instead, which is an unfair tactic, and also harassment. I receive calls multiple times a day, all hours of the day, which impacts my work, as I am finishing a XXXX degree, entirely on a scholarship I wrote for, because I couldn't afford school, so I won't be IN these situations. Further, legal action could jeopardize my licensure, which is intentional, since I told this to the representative on the phone, as I was desperately begging to settle and make good on the debt as best I can given my situation.
Consumer complaint received 2017-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

coinbase.com wo n't let me withdraw money I have sitting in my mobile wallet, despite having followed all of their instructions to have my bank account verified so that I can withdraw funds ; They also with very little signage only allow withdrawals in XXXX, when i sold my cryptocurrency i converted it to XXXX  thinking i would be able to withdraw, they charged me a fee for this -- they are now going to charge another fee to convert it to XXXX so that i can withdraw ( or so they claim ), this is ridiculous! Despite having followed their instructions to the letter my bank account is still unverified and so they are not allowing me to withdraw my money that is sitting in the mobile wallet. No one from their support has returned my email, I dont expect that they will, their forum is FULL of people complaining about the same issue
Consumer complaint received 2015-12-24
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: DriveTime (MN)

If the payment is not there immediately on the day it is due, regardless of the 10-day grace period or the fact that I have NEVER paid late in over a year, they call that day and every day until it is received. Payments are scheduled on paydays and it takes a couple of days to get the payment to them, so I have over 70 calls logged from them in the past year. I ca n't stand it! Give me a few ( 5-10 ) days grace period and THEN if I have n't paid, I understand a call, but this is utterly ridiculous!!!
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

While Inwas at work around XXXX  oclock I receive an alert from XXXX XXXX XXXX that I have open an account with Wells Fargo Bank. I know I did not when I tried to call the bank the eating time was about 45 minutes wait to 50. At the end I have not been able to reach mobody
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. (MD)

I am distressed that you have included XXXX, TRANSUNION, XXXX information in my credit profile on and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XXXX XXXX, 2021 and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 


Thank you,
Consumer complaint received 2018-07-07
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Firstsource Business Process Services, LLC (CA)

The company that keeps calling me before XXXX is called XXXX ( XXXX ) XXXX I have asked them many times to stop calling me and now they have a robot calling me every week
Consumer complaint received 2021-12-10
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (MD)

I am distressed that you have included DEPT OF ED/NELNET XXXX information in my credit profile on and that XX/XX/XXXX - XX/XX/XXXX you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. Also, please add a promotional suppression to my credit file. 


Thank you,
Consumer complaint received 2022-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On my XXXX XXXX credit card account with XXXX XXXX they reported late payments for XX/XX/2022 and XXXX of XXXX each showing 30 days late. These late payments are incorrect I made minimum payments of the amounts requested and the dates requested. When I referred back to the billing statements it shows the payments were made. 
Due to code 15 usc 1666 ( 2 ) ( b ) they need to correct this.
Consumer complaint received 2021-12-10
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (TX)

I sent a letter exercising my Equity and disputing the student loans asking for the XXXX asking for the school to send me the " Original Instrument of Indebtedness in it's original form ''. I've gotten no response back from Navient Dept of Education ... even though I have a certified mail receipt saying that they did indeed receive my dispute letter on XXXX. This is now a violation of the Fair Credit Reporting Act and I intend to follow through with a law suit ( as I have a paper trial ) FCRA SECTION 611 Part ( A ) ( 1 ) failing to respond in 45 days. I also sue for the max for also noncompliance. If this item is not removed from my credit report.
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: FinCo Services Inc DBA Current (TX)

Somebody gained access into my XXXX account where I had my current bank card linked to. Whoever that person was sent money to an unknown receiver totaling {$1800.00}. I attempted disputing through XXXX who told me to dispute through my bank. So I filed a dispute for all these transactions XX/XX/XXXX. A couple weeks later I received a response from them declining to recover {$1400.00}. Although this is fraud, I cancelled both XXXX  and current debit cards and had replacements sent. They refuse to resolve the theft. And after the 90 days has passed, there still remains {$460.00} worth of charges waiting for resolution. I would like to dispute their determination of the first set of charges, and press charges for theft and fraud on whoever received these funds. As well as receive my response about the " unresolved '' set of transactions. I've gone through the only resources available to me to recover these unauthorized transactions. Between XXXX and current they should be able to determine the amount this money was sent to and you would think they could reverse these transactions to get my money back. How can I be denied the right to recover my money that was stolen from me by these banks that desperately need this money back. This entire situation has completely shattered my entire financial well-being. Caused me to be evicted from my house, and put me so far behind on bills that my power and water have been disconnected because of this theft
Consumer complaint received 2022-03-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Camelot Financial Services, Inc. (NV)

Some one else received a loan online from Ace Loan company in my name. I have not received a loan from them ever. Some one stole my Arkansas ID and used that. This collection company wants to garnish my account for something I did not do. The incident number is XXXX. The email that I need to send information to that someone did my name under fraud is XXXX If someone could please contact me back at XXXX or XXXX ( c ) it would be greatly appreciated.
Consumer complaint received 2021-04-16
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. (OH)

XXXX XXXX # XXXXXXXXXXXXI do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some issues with my income being effected by the XXXX PANDEMIC SHUTDOWN. I was under the XXXX CARESAct, Pub. XXXX XXXX, section XXXX, codified at FCRA section XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ), XXXX XXXX XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ). I am requesting some accommodations so I cann protect the integrity of my credit file. XXXX XXXX # XXXX account is reporting a XXXX late payment on XXXX after I requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2018-07-07
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American First Finance, Inc. (MI)

American First Finance called me in XX/XX/2018. I explain to them I would make a payment on in the first week in XX/XX/2018. I made a payment of XXXX. I was ask to give them a date I could make my next payment. I wasn't able to give them a date. I asked them to not go in my banking account to try to take money out of my account I don't have in my account and every time you all go in my account. I'm charge with a XXXX fee. On XX/XX/XXXX I receive another call about remaining balance. I explain to the agent. I spoke to someone already about the remaining balance I owe and it should be documented in the file. I asked her to please stop calling me. I'm going to pay you all your money. I will give you a call when I get the money. The agent stated we going to keep calling you and you have a bless day and hung up in my face.
Consumer complaint received 2021-08-25
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: OneMain Finance Corporation (NV)

ON XX/XX/21 One Main Unlawfully Obtained my consumer report without my authorization or a permissible purpose. I have not initiated any transaction with One Main nor do I have an account for review or collection. On XX/XX/21 I mailed One Main a Notarized Letter explaining that the inquiry was unauthorized as well as a demand for a {$1000.00} settlement.
Consumer complaint received 2021-08-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Good Day, I sent the 3 credit bureaus letters well over 3 months ago and I haven't heard anything back from them saying they received my letters or anything. I wrote to them back in XXXX and just recently I sent them a letter because its been over 2 months and still no answer. Also I never authorized any furnishers to report on my credit and what they are doing is illegal and I will have no choice but to fill for litigation because they are in the wrong. Thank you for your time and I hope this gets handled quickly.
Consumer complaint received 2017-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OR)

On  XXXX     2017  My   XXXX   sent a certified check via overnight mail to Citibank-in the amount of {$9800.00} to address : Citicards, Citibank /  XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , KY, XXXX . The check number is :  XXXX  again in the amount of {$9800.00}.  <P/> I have called ove r 5+times to ask where this payment is-thus far, " no payment has been found '' -this is a lie, as my certified  tracking shows mail was delivered.  <P/> Where is my payment?  <P/>  XXXX   XXXX
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello! My name is XXXX XXXX. My current address is at XXXX XXXX XXXX XXXX CA XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
Below are the date, account ( XXXX ) and account number ( XXXX ) .This request has been denied and I would like thiese inaccurate information to be REMOVED. 

DATE DISPUTED XXXX IN TRANSUNION XXXX AND XXXX XXXX XXXX IN XXXX ONLY XXXX XXXX XXXX I would also like thiese inaccurate information to be UPDATED TO POSITIVE. 
DATE DISPUTED XXXX IN TRANSUNION XXXX AND XXXX XXXX XXXX XXXX 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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I never opened the account, XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ), Opened XX/XX/2013. The account is attached the following address : XXXX XXXX XXXX, XXXX, AZ XXXX. I have never resided at this address. I have never lived in Arizona or even visited Arizona. This fraudulent credit account is detrimental to my credit report.
Consumer complaint received 2021-08-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Good Day, I sent the 3 credit bureaus letters well over 3 months ago and I haven't heard anything back from them saying they received my letters or anything. I wrote to them back in XXXX and just recently I sent them a letter because its been over 2 months and still no answer. Also I never authorized any furnishers to report on my credit and what they are doing is illegal and I will have no choice but to fill for litigation because they are in the wrong. Thank you for your time and I hope this gets handled quickly.
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: EQUIFAX, INC. (AL)

Accordance with the Fair Credit Reporting Act XXXX Account : 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 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 instructions.
Consumer complaint received 2019-08-06
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. (FL)

I was informed that my personal information was exposed in a data breach a few years ago when I pulled my credit report then I did not see anything reporting that I did not recognize. Recently when I pulled my credit report I noticed I have a dozen accounts on my credit report that doesn't belong to me. So how can the credit bureau say that these accounts belong to me when I'm stating that they do not?? This was not my fault I did nothing wrong but exist and I want these accounts removed off my credit report ASAP!!!