davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC. (AR)

Ally Financial was closed out from Bankruptcy has {$0.00} balance** XXXX XXXX XXXX is still showing from XX/XX/2013 past ( 7 ) years**** XXXX XXXX XXXXXXXX was paid off in full and still showing on my credit report***** XXXX 's is still showing on my credit report closed out in XX/XX/XXXX, XXXX XXXX XXXX  is still showing on my credit report closed out XX/XX/XXXX, XXXX Bankruptcy was dismissed XXXX  XXXX ****
Consumer complaint received 2019-08-26
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have a dispute on a charge for {$73.00} on XX/XX/19 for XXXX I disputed this with Capital one as being a fraud case of shipping a XXXX cent item when I ordered XXXX XXXX XXXX of XXXX ad. It seems to be a bogus company that has defrauded many consumers. There is no contact number or website anymore. I reported this to capital one or help. Again Capital one has not help me on fraud case. I received a letter from Capital one today case number XXXX Account Ending in XXXX that they requested additional information, which I never received a letter or email from Capital One requesting more information since I made the complaint. I feel every time Capital One has an issue with a bogus company or trouble contacting the company in question, they just send a standard form letter saying case closed and we are reapplying the charges. I want this to stop and have Capital one make it easier for consumers to fight back. I want my charges removed at once since I did not receive my item.
Consumer complaint received 2022-06-11
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-08-26
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)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (IL)

I have absolutely no knowledge as to who this company is that put a collection on my report. This was a past due account with XXXX that I paid in full directly to XXXX. This collection should have never been placed on my report as a collection as it was a delinquent XXXX bill that I paid directly to XXXX on XX/XX/2019.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

ALL 3 " CRA '' CONTINUE WILL NOT UPDATE FILE AND ADD MISSING ACCOUNTS TO CREDIT FILE ... XXXX XXXX   XXXX # XXXX AND XXXX XXXX XXXX # XXXX ... MISSING INFORMATION ON CRDIT REPORT
Consumer complaint received 2018-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

I have a credit card with Discover. I applied for an additional credit card they offer and they responded by lowering my credit limit asserting I had a delinquency and a high balance.. I have made my payments on time and not provided any other reason for reducing my credit limit, other than applying for another credit card. I am a single woman, head of household and I believe this action by Discover is discriminatory and retaliation for my seeking a credit card. 
I want my credit limit restored. 
Thank you. 
XXXX XXXX
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Consumer complaint received 2022-06-10
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. (LA)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX and Security finance account # XXXX have 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-27
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. (SC)

Transunion and XXXX are both furnishing inaccurate information on my consumer report regarding an ERC. account. They are both reporting this account as a collection and a charge off. Which one is it. There are a host of Inaccuracies associted with the information furnished.
Consumer complaint received 2018-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (MN)

XXXX XXXX XXXX XXXX XXXX does not answer the phone at all. I am on hold for so long that I finally give up. This morning, XX/XX/2018, they sent me an email statement after I told them I do not want any information about my account online. No one answers at customer service to get this resolved. 
I do not want to have anything about my account done online. I consider it a breach of my personal information for them to send me email statements. If customer service refuses to answer, how am i supposed to resolve this? 
They also keep saving my bank account information even after I ask them to delete it. I never gave them permission to save my banking information at all. 
thank you for any help on this matter.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (MI)

XX/XX/22 A few weeks ago I received a credit card in the mail which I did not request. I ignored it and have not used it. Today, I received a bill from from that credit card ( balance {$0.00} ). 

The card is from " XXXX XXXX XXXX Credit Card ''. 
The return address on the envelope is : " Wells Fargo Bank , N.A . '' The payment address is : Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX MN XXXX. 

The bill does include an account number.
Consumer complaint received 2018-08-02
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. (GA)

On XX/XX/2018 I submitted a dispute to XXXX, Transunion and XXXX in regards to some accounts that I gave no consent to. The dispute is stated that action is to be taken in 4 days yet we are nearing 90 days and to no avail.
Consumer complaint received 2018-09-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

this is basically a continuation of my Complaint # XXXX, why I would like the Consumer Financial Protection Bureau to know that bank of America did not uphold it's promise to release my funds. 

I also want the Consumer Financial Protection Bureau to know that bank of americas and its representatives lied to me and they all gave me 6 different reasons why they can not release the funds, and there was only one department which I spoke to a representative names XXXX that told me which documentation I need to email him and then he will release the funds. 

I want the Consumer Financial Protection Bureau to know that I have emailed XXXX several times again and again and there's no answer. I an being ignored. 

I will attach to this complaint everything which I also attached to and provided to Bank of America, and I ask the Consumer Financial Protection Bureau to please give it over to bank of America.
Consumer complaint received 2023-01-04
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-12-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Coinbase, Inc. (TX)

On XX/XX/2021, I contacted Coinbase to ask them to freeze my account out of caution, as it appeared that my email may have been hacked. Coinbase locked the account. Now they will not give me access to it. 

They instructed me to set up a brand new account, under a different email, and once my identification was verified, they would migrate my funds from the disabled account over to the " new '' account. I did as they instructed, but they never migrated the funds to the " new '' account. Nor can I access the " old '' account. 

It has been eight ( 8 ) days now. I have logged over 40 hours of hold time trying to get human answers from Coinbase on this, to no avail. They are evasive and only give scripted answers. 

At this point, I feel that they have stolen my money. I deposited {$20000.00} with them when I opened my account. While I understand that Coinbase is not regulated by either the FDIC or XXXX, they still have a fiduciary obligation to their account holders to protect accounts and get accounts promptly recovered in situations such as mine.
Consumer complaint received 2022-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

A scammer wanted to buy a camera I was selling. Told me to send the {$100.00} to make my XXXX  account a business account. Lost in total {$450.00} before I realized this was a scammer. The emails looked real, and I fell for it. Contacted my bank who said to file it under fraud. They denied my claim saying that it wasn't fraud since I authorized the payment. I sent numerous documents and screenshots showing the fraud.
Consumer complaint received 2022-06-10
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Today i received phone call from Rush Curtis & Associates collection company about my medical bill, which is I went to XXXX XXXX XXXX room on XX/XX/2020. At that time I didn't have health insurance and i left all my information SSN, DL, home address. Few days later i talked several times person who helping financial advise for patient, but she told me that XXXX XXXX XXXX will send my bill. Since XX/XX/2020 I haven't received any mail through my mailing address. Until today 's phone call from debt collection company, I didn't know about this medical bill that already sent to the collection company. 
This was the first time, the collection company called me about medical bill ( I didn't receive any email, mail and phone call before these phone calls ). The collection company said that If I don't pay {$8000.00} medical bill today, they are gon na report to the my credit history. I am wondering that why they didn't let me know anything until today and suddenly they are threatening me to pay {$8000.00} bill. 
After the phone call, I found out that my address was wrong. I already provided right address and right information. If I received my medical bill through my right mail address, I obviously pay {$8000.00} before it went to the collection company.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Recently I have started going over my credit report. I noticed some incorrect addresses and phone number. I reached out to all 3 credit agencies, I sent in my drivers license with my address on it, a current utility bill with my address and a letter with all the incorrect addresses. I got no response. though a credit monitoring app I use, I saw that my new address was updated but they did not remove ANY of the information that was incorrect. I sent a 2nd letter and realized I could file a complaint via the CFPB. The incorrect information while small all add up and are affecting my credit score in a negative manner.The received the XXXX letter XX/XX/2022 track # XXXX and added the new address XX/XX/2022 but again nothing with the incorrect information
Consumer complaint received 2019-05-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I got a personal loan from OneMain FInancial. I made a payment and then I had a personal family crisis arise which created financial hardship and inability to make the payments. OneMain calls me twice a day every day at work. I requested at least three times via email to stop the harassing calls at work but they keep calling.
Consumer complaint received 2020-01-29
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: ENCORE CAPITAL GROUP INC. (IL)

The collection agency MidLand Funding LLC has a collections on my credit report. The collection was from XXXX XXXX which I have tried to explain that the charges on that card wasn't from me and that my account was hacked, then they sent it to collections after I refused to pay. 


The second one is Midland Credit Management and have no idea about the XXXX  thats on the collections report. 

The third one is XXXX XXXX and they have a XXXX XXXX card that I have a card that I didn't pay off. This isn't true as I have a XXXX XXXX card that has a 100 % on time payment history and I only ever applied for one XXXX XXXX card not 2.
Consumer complaint received 2019-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

My complaint is about a non-return of funds to my checking account ; an overdraft fee of {$35.00}, and an overdraft in the amount of {$24.00}, totaling {$58.00}. The problem that I am having is getting Wells Fargo to credit my account the {$35.00} overdraft fee, and the overdraft amount of {$24.00}, totaling {$58.00}. Prior to my going to my Wells Fargo branch to discuss this matter, the {$35.00} overdraft fee was posted ( visible ) on my online account ; but, for some strange reason, it is not showing ( visible ) on my online account today [ see attached ]. I hope Wells Fargo is not alleging that they never charged my account an overdraft fee. I find it extremely odd that the Wells Fargo 4-Page Account Statement has the {$35.00} overdraft fee on it ; where, my account statement does not [ see Wells Fargo 4-Page Account Statement ]. I have circled those transactions for your convenience. I can only speculate that the disparity in account statements would be intentionally misleading, deceptive, and an unethical business practice. Nevertheless, Wells Fargo should have credited my account in the amount of {$58.00} ; however you look at the situation. 

XXXX XXXX charged an unauthorized amount of {$310.00}, to my checking account, which caused my account to go into an overdraft status in the amount of {$24.00}. As a result of the {$24.00}, overdraft, Wells Fargo charged my account a {$35.00} overdraft fee ; thereby, dragging my account into a negative status of $ -XXXX. 

The matter was resolved by Wells Fargo ; where, the {$310.00} was credited to my checking account ; but, Wells Fargo neglected to credit my checking account for the {$24.00} overdraft and the {$35.00} overdraft fee. My point is this, had the unauthorized {$310.00} not been charged to my account, my account would have never gone into overdraft status ; where, Wells Fargo would have never charged me an overdraft fee ; therefore, it is only right that Wells Fargo also credit my account the {$24.00} of overdraft and {$35.00} of overdraft fee. My account would have had a {$290.00} positive balance had XXXX not charged my account with the unauthorized {$310.00}. 

Wells Fargo is not willing to credit my account in the amount of {$58.00}, which is the total from the overdraft ( {$24.00} ) and the overdraft fee ( {$35.00} ). I would like for my account to be adjusted and credited {$58.00} ; the overdraft in the amount of {$24.00}, and the overdraft fee in the amount of {$35.00} ; totaling {$58.00}. The company in which my complaint is about, is Wells Fargo. The people involved are the Wells Fargo bankers/representatives. 

On XX/XX/XXXX, XXXX charged my account {$310.00}, without my authorization. On XX/XX/XXXX, Wells Fargo retrieved the {$310.00}, by crediting my account ; but, neglected to credit my account the amount of overdraft, {$24.00}, and overdraft fee, {$35.00} ; totaling {$58.00}. 

Wells Fargo neglected to credit my account {$58.00}, XXXX XXXX, Wells Fargo Customer Since XXXX ( XXXX XXXX XXXX )
Consumer complaint received 2021-12-06
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

XX/XX/XXXX XXXX XXXX XXXX sent a notice requesting XXXX of an alleged debt. 
I responded with a letter of dispute of fraud on XX/XX/XXXX and filed a report with CFPB ( complaint number : XXXX ) XXXX XXXX XXXX responded with copy of default judgment against me from XXXX and request reason for fraud. 
This was the first time I've heard about a judgment against me. Case Number XXXX XXXX XXXX.