davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weinstein, Karp & Associates, Inc. (CA)

Weinstein & KarXXXX are debt collectors repeatedly call my two cell phones looking for an individual named XXXX XXXX. Somehow this guy obtained my cell phone numbers and used my name and phone numbers as reference. My wife and I have repeatedly told representatives of Weinstein and Karp we have no affiliation with this individual but they continue to harass us looking for this individual. Not less than six times they have called us and each time we tell them we have no idea who this guy is, but to no avail. Today was the latest incident. I requested they remove my numbers ( again ) but they said they had no information they previously called us. They blame every call on a " new system ''. After being hung up for requesting to speak to a manager they then refused to answer my calls. They have also repeatedly texted us in the past.This has to stop.
Consumer complaint received 2024-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$160.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXX XXXX XXXX : {$550.00} XXXX XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX & XXXX ], [ XXXX & XXXX ], [ XXXX & XXXX ] are not complete and accurate.

And one more thing according to 15 USC 1681s-2 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 2022-03-21
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. (NC)

On XX/XX/22 I submitted letters to XXXX, XXXX and Transunion disputing accounts that were on my credit report that were not accurate. It has now been over 30 days and I have not received a response as of yet. I am trying to leverage my credit to build my business and this is slowing my process.
Consumer complaint received 2018-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection (KY)

I tried to explain to this company that my info was used by my deceased father to attain this some type of security system that was apparently put in. We have the same name and my father had bankruptcy and could not do much so I guess used my info somehow and attained this. But nothing has been done to help me with this and it has damaged my credit and caused me stress that I did not and do not deserve. I have no documentation to prove this but IT IS THE TRUTH!!!!
Consumer complaint received 2019-07-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I attempted to send approximately {$50.00} worth of cryptocurrency XLM to my CoinBase account on XX/XX/2019. My transaction made it to CoinBase, but never made it into my account because a " Memo ''  line was input incorrectly. I immediately submitted a support ticket to CoinBase notifying them that the transaction had not gone through. I received a response on XX/XX/XXXX informing me that I would receive a response in 4-5 weeks. 

I followed up on XX/XX/XXXX, as it had been more than the 5-week deadline and I had not received a response. I received a response on the same day asking me to send CoinBase additional transactions to verify ownership of the account sending the funds. I lost the credentials to the account in a hardware failure and am unable to recover them, so I can not complete this request. In an case, CoinBase has already mismanaged {$50.00} that I have tried to transact to them, so  requesting additional money to recover the funds that they have already lost is untenable. CoinBase refuses to refund my money until I " comply '' with their request for additional transfers. 

I made multiple contact attempts by phone to try to discuss this matter with a CoinBase representative. The automated system informed me that I could not be helped over the phone on two occasions without connecting me to customer service. On a third occasion, the automated system simply terminated the call. 

This is within the definition of Unfair, Deceptive, and Abusive Acts and Practices in a number of ways : - I immediately contacted the organization with a host of information that would be sufficient for a reasonable person to verify that I made the transfer, including that the memo that was sent was only 1 digit off of the correct memo. 
- CoinBase has made no attempt to verify my account in any way except for requesting additional transactions ( which have a transaction fee and involve sending money to CoinBase ), stating in an email that I must " comply '' with a request to send them additional funds. 
- I would have had possession of my account if CoinBase had not held  the {$50.00} without responding to me for over 5 weeks. 
- Most importantly, CoinBase received the {$50.00} that I clearly intended to send to myself. They stand to profit from this deception for all customers who similarly are denied their funds.
Consumer complaint received 2022-03-21
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

While traveling for work on XX/XX/2021, I received a text that my Capital One XXXX  XXXX  was charged for {$1100.00} from a location in Virginia. I was in NC at the time, so I said I didn't make the charge. Turns out it was a legitimate charge from XXXX, who charges in advance from their XXXX, not the local branch where you are, which I did not know at the time. The card was cancelled and the charge reversed. I got a XXXX balance receipt at that time from XXXX, so I didn't realize they hadn't been paid. XXXX did not respond to the dispute so I didn't know the charge was from them until they sent me a " do not rent '' letter in XXXX. When I received the letter, I realized they had not been paid and I provided my credit card info to them on the form they provided at that time. On XX/XX/XXXX, XXXX XXXX XXXX, a collection agency retained by XXXX, contacted me about the same issue. I told them I had provided XXXX with updated credit card info, and they assured me that it often happened that XXXX didn't use the information they were provided on mail in forms, so I gave them the same credit card information to resolve the issue. Both XXXX and Viking charged me the {$1100.00} on that very same day, XX/XX/XXXX. I contacted Capital One by telephone and was told to work it out with XXXX since XXXX had failed to follow the proper dispute procedure. I exchanged emails with XXXX for the next 2 months, culminating in XXXX sending me an email in XXXX acknowledging that I had been charged twice and that they had refunded the money to my bank on XX/XX/XXXX so I would have to work it out with Capital One. I tried for the next month, but Capital One now says they never received the money and recharged my account for the {$1100.00} on the bill this month. They stated that the dispute is outside the timeframe for resolution according to XXXX XXXX guidelines, so there is nothing they can do and they are refusing to help me. XXXX " Customer Service '' is not responding to emails and refuses to elevate the matter to supervisors as I have repeatedly requested. Further complicating the matter, I received a check form XXXX  Services for {$720.00} in XXXX. This matter is the only time I have ever interacted with XXXX, so I called them and asked why they had sent me the check. They could find no record of the file number written on the check and could provide no information as to why I received it. If that check was supposed to be a refund for the second charge, which is the only thing it could logically be, it is {$390.00} short. I need someone that these corporations will listen to to get them to look at the data and resolve the issue. I have it all documented and it is plain that one of them owes me money, but they are not willing to do the right thing without pressure from a regulating entity such as CFPB. I hope you are able to help.
Consumer complaint received 2018-07-03
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. (NY)

this information on my credit report is fraudulent and need to be removed from my credit report immediately XXXX XXXX Status Closed Balance {$0.00} Type Collection Payment Status Paid
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (TX)

I hold an American Express Platinum account which I no longer desire. I have no balance, on good terms, and paid the $ 550+ annual fee in advance for the year. I called CSR on XX/XX/19 to cancel the card. I was told that I had remaining membership points I would forfeit by cancelling the card. I replied that I was comfortable forfeiting all points. 
I was then told I would be charged for all membership points received to-date as that was in my Cardmember Agreement. I replied that it was highly illegal for American Express to prevent me from cancelled my account and also claim they had ground to charge me for membership points I'd received in the past. CSR refused to budge. I continued to request the card be cancelled regardless of what CSR was saying. I paid my balances in-full and I paid my annual membership fee. That was the extent of my responsibility under the Cardmember Agreement.
Consumer complaint received 2022-12-03
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: JPMORGAN CHASE & CO. (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (CA)

On said NAVY C/U account I was paying just fine, and being a business owner, and I was using that card for my business, but was seeking additional capital to launch my new website, having said that I looked for financing and was contacted by a supposed NAVY C/U loan specialist, and he said he could get me a better loan and pay off my existing one in the process, so he new all the terminology and of coarse I believed him. 
So with in a week he had Paid off {$10000.00} on my card, and I was waiting for my new card supposedly? 
He some how recharged what balance I had left, and maxed me out, you can tell by the charges, XXXX ads and more and I was frauded. 

I want to pay this off but because of this on my credit I can not get a loan to pay them off, they made me offer because they know I was frauded ... And this has been the 5th time I have been lied and cheated out of money for loans, this is hurting my ability to stay in business let alone survive in the market. 
Please help thank you with business funding not being regulated a lot of people are being scammed and this is not fair to my life and has caused many hardships due it this being on my XXXX. The other 2 companies saw the fraud and removed it! 
This card in? I believe was a user only card My mom and I were in business together she invested in it she has since passed and technically should not be on my credit if so
Consumer complaint received 2019-07-31
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: EQUIFAX, INC. (SC)

Please REMOVE the following inquiries due to the EQUIFAX and XXXX XXXX DATA BREACH. You must PROTECT my information & not allow people to use my personal information to apply for credit in my name. 

**Creditor : XXXX  XXXX XXXX Inquiry Date : XX/XX/2019 **Creditor : XXXX XXXX Inquiry Date : XX/XX/2019 **Creditor : XXXX XXXX XXXX Inquiry Date XXXX XX/XX/2019 **Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 **Creditor : XXXX XXXX XXXX  Inquiry Date XXXX XX/XX/2019 **Creditor : EQUIFAX MORTGAGE SOL Inquiry Date : XX/XX/2019 **Creditor : XXXX XXXX Inquiry Date : XX/XX/2019 **Creditor : XXXX Inquiry Date : XX/XX/2019 I really thank you for taking the time out of your busy day to solve this DATA BREACH.
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I open several accounts at capital one and 2 weeks later they closed My accounts for reported fraudulent activity on a XXXX XXXX with is XXXX  XXXX XXXX. I spoke to XXXX  XXXX XXXX to let them know it wasn't me who open up the 2 checking accounts now they are sending me some Gforms that I have to fill out with a pice report so they can take care of What's going on. Also a couple of people has been trying to open an account with unemployment as well as shopping on line with XXXX XXXX and XXXX They really messed me up please help me
Consumer complaint received 2021-04-14
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. (KY)

I'm no expert or anything but I know for sure that the three bureaus most report 100 % accurate information to a credit report, I took a look at my credit report not to long ago and there's nothing but INCORRECT items on my credit report that doesn't even belong to me. So not only is the information inaccurate across all bureaus but the items don't even belong to me. I've disputed multiple times and the bureaus aren't taking it serious, they're continuing to report incorrect items on my credit report, I will be attaching these inaccuracies to this complaint. It's honestly ridiculous. Remove ALL of these incorrect information so I can move on with my life. You are defaming me and I feel like I'm being toyed with. I also refuse to dispute directly through any of the bureaus because they clearly will not fix the problem. I'm just sick of this all together. Literally all you guys do is defame consumers for a living.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XXXX XXXX ( XXXX XXXX  ) XXXX Balance {$120.00}
Consumer complaint received 2022-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-12-03
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. (MI)

I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. 

XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # : XXXX XXXX  : Account # : XXXX XXXX XXXX  XXXX : Account # XXXX XXXX : Account # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) : Account # XXXX In accordance with the Fair Credit Repair act Convergent Account # XXXX, Account # XXXX, Account # : XXXX, Account # XXXX, Account # XXXX, Account # XXXX, and 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 an account without my written instructions.
Consumer complaint received 2017-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo o pen up a fraudulent account without my notice ... .Allowing multiple fraudulent transaction on my account from  XXXX   XXXX   XXXX , withdraws and more to be explaine d Wells Fargo than refuse to investigate fraudulent activity and tampering with investigate threatening to close my account due to retailation of my complaintss
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Dear, my daughter is under XXXX years old so I opened an account with Wells Fargo to deposit scholarships and financial aid funds to her account, her ATM Debt cards was compromised so many times and she didnt know how to protect her account she were disputing the chargers instead of filling fraudulent charges and the Wells Fargo instead helping her to file fraudulent charges instead they were disputing them that majorities of them were rejected and she had to to pay for charges that she didnt do, not knowing Wells Fargo a decade ago committed unethical and fraudulent by opening accounts for their clients without they not knowing in fraudulent and unethical manners and now instead of protecting their customers. The bank manager filed internal complaints for why she suspended her ATM debt card and It didnt resolve and I wasnt notified so I had to give her my ATM to utilized for her XXXX Universcity. I think Wells Fargo is doing it again in different matters its a pattern please investigate their actions. 
Thank you and stay safe.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2023-01-12
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. (NM)

My XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card balance is not getting regularly updated with XXXX, XXXX, or Experian even though XXXX XXXX XXXX XXXX is submitting the information monthly. It is XXXX XXXX XXXX but my account balance on my credit reports show that they have not been updated since XXXX XXXX
Consumer complaint received 2021-04-14
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 (UT)

Wells FargoXXXX XXXX is reporting late payments for the year of 2020 and I would like them removed. Due to the unforseen events with the Covid 19 pandemic I had an extremely hard time when things began to unfold. My employer ended up losing a lot of work therefore my hours were cut. I am usually very diligent about paying my dues, but this was a difficult time. I ask that Wells Fargo make a goodwill adjustment to have this removed.