davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-11
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: WELLS FARGO & COMPANY (PA)

Today XX/XX/XXXX I had checked my credit report through credit wise. And I had noticed that on my report was a account through Wells Fargo bank stating on a charge account with a {$3800.00} credit limit. Account opened on XX/XX/XXXX. And highest balance reached was {$840.00} and account closed was XX/XX/XXXX. Which, I have NEVER had any accounts through Wells Fargo bank. But my father has, me and my father have the same name. I am XXXX XXXX XXXX and my father is XXXX XXXX XXXX my father did NOT commit a crime, but the companies have always reported it wrong. I contacted Wells Fargo this after noon of XXXX XXXX. And they stated we have no information on you or youre fathers name so I stated I will be filing a report on this. And so here I am. This is wrongfully on my credit report and I would like it removed as this violates FCRA -fair credit reporting act-. And after 60 days I do not get this account removed from my credit report and/or a letter in the mail stated this account has been removed by Wells Fargo , I will be contacting my lawyer. Thank you XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I contacted Equifax on XX/XX/2021 to verify my XXXX credit card accounts with XXXX XXXX is closed on my credit report. 
The supervisor confirmed my account is showing closed. 
I informed the supervisor at Equifax that XXXX is reporting the accounts to as open as of XX/XX/2021. 
She informed me to contact XXXX to correct the issue because shes showing the creditor has reported the account as closed and that equifax is also showing the accounts as closed. 

I contacted XXXX and they informed me there is nothing they can do on their end. XXXX advised I get back with Equifax or the creditor to correct the issue.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I contacted Equifax on XX/XX/2021 to verify my XXXX credit card accounts with XXXX XXXX is closed on my credit report. 
The supervisor confirmed my account is showing closed. 
I informed the supervisor at Equifax that XXXX is reporting the accounts to as open as of XX/XX/2021. 
She informed me to contact XXXX  to correct the issue because shes showing the creditor has reported the account as closed and that equifax is also showing the accounts as closed. 

I contacted XXXX and they informed me there is nothing they can do on their end. XXXX advised I get back with Equifax or the creditor to correct the issue.
Consumer complaint received 2021-12-11
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. (LA)

On XX/XX/2021 I sent letters to XXXX XXXX about wrong balnace reporting on my credit report. I have paid them in full and that should be reporting. unfortunetely its reporting that I owe {$340.00}. Thats inaccurate. I owe {$0.00}
Consumer complaint received 2022-07-05
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Account # XXXX DEPT OF EDUCATIONXXXX Account # XXXX DEPT OF EDUCATIONXXXX 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 2022-03-27
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: Experian Information Solutions Inc. (GA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-03-27
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. (NC)

XXXX XXXX  has wrote off the account as profit & loss but continues to report a balance. The account should not be reporting a past due balance on my credit. I have disputed with all 3 credit bureaus but they all continue to report.
Consumer complaint received 2021-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (PA)

PNC-BANK '' ( Call us immediately at ( XXXX ) XXXX ) XXXX - was sent as a text message to my phone. When I called the number the automotive voice said I needed to activate my card or it will close. I unfortunately answered all the questions such as my social, birthdate, card number, pin, as well as other pertinent information regarding my identity.
Consumer complaint received 2021-08-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Eastpoint Recovery Group, Inc (FL)

On Wednesday XX/XX/2021 I called Eastpoint Recovery Group, the intention of that phone call was to only to ask them about the amount i owe, i told them about my situation and was almost able to work out a deal with them, i have also known of this because i delt with past collectors and was to work out a deal with only {$25.00} bi weekly for 4 years they gladly declined and told me to pay {$1000.00} down payment and $ XXXX monthly and then i told them to let me think about it, then they transfered me to the manager, in that case he expected me to come up with the payment of {$4000.00} up front today and let me tell you, nobody has just {$4000.00} up front and then he said do you want me to call my mom, i told him i do not want him to call him, its because i work with her from time to time and most of the time she is out of town and she gets XXXX  out all the time, i told him the type of money i do not have it, untill probably like 3 to 4 weeks and first of all i do not know how in the world they got my moms number from. This is literally in the agreement i attachted below that you can not contact anyone besides my spouse about my debt.
Consumer complaint received 2021-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (MO)

Dear CFPB rep, I tried to rebuild my XXXX XXXX by starting a deposit secured credit card. By using the deposit secured card i didnt know if I used more than a certain percentage of my limit it would lower my score significantly which it did. I closed a Discover account that was my own money secured credit card on XX/XX/XXXX. At that time I was fully paid with zero balance. I received a statement early XXXX that reflected my deposit was repaid when in fact it was not. I contacted them and they said the check was sent and they would call me back with info. I requested they not cancel any check sent to me and to give it time to arrive by mail. It did finally arrive on XX/XX/XXXX. I deposited the check in my bank but now my bank has rejected the deposit as the check did not clear on Discovers end. Now at a critical time of personal liquidity issues, my Bank has taken away my {$200.00} as the Discover check was bad and charged me an additional {$15.00} fee. 
It took them over 2 months for them to send me my deposit back and have stopped payment or given me a bad check. 

Please help me get my money and punish Discover as this can not be legal. 
Very disappointed as the wolves are guarding the sheep. 
Regards, XXXX XXXX
Consumer complaint received 2021-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NY)

Once again we are harassed by the TD Bank and XXXX XXXX XXXX duo in that when we login in to XXXX there is no mention of the below NEW {$300.00} charge back, and even lists a NEW {$5000.00} charge back that we can not respond to. Please urgently advise, and TELL THEM TO get it together. In other news, THEIR FIXER CONTACT " XXXX XXXX '' never answers his phone when we call him back and leave a message. Please TELL THEM TO attend to this matter and fix, or we will have to file yet another series of complaints against TD BANK and XXXXl XXXX of XXXX XXXX Unit with the OCC, CFPB, XXXX, FTC and XXXX. PLEASE TELL THEM TO be guided accordingly, and take a personal interest in resolving this matter.
Consumer complaint received 2021-05-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

Suntrust Bank cashed a payment sent via online Bill Pay but did not credit mortgage account XXXX image attached ). Check was sent XX/XX/2021 and cashed on XX/XX/2021 to be credited for XXXX. Bank has not accepted attempts to pay mortgage in XXXX XXXX they rejected our XXXX payment ). Suntrust now considers us to be in default. Additional payments were sent via Bill Pay XXXX Bank disabled our ACH options ) but were not credited to our account. Despite numerous attempts, I have not been able to get in contact with anyone at the bank that can help. More details in the attached.
Consumer complaint received 2022-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I have been receiving bills from XXXX XXXX XXXX in XXXX XXXX, California & collection agencies for the past year for a medical bill totaling {$380.00} that is not mine. I am a student in college. The time the services was rendered in year XX/XX/2018, I was away in college at XXXX XXXXXXXX XXXX  in XXXX Texas. My grandmother, ( who past away last year at XXXX XXXX XXXX & I have similar names. I have reached out to XXXX XXXX health several times, sent emails as wells phone calls. No-one has responded.
Consumer complaint received 2018-07-08
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. (GA)

I am sending you this message in regards to the errors that your company has listed on my credit file. I have contacted the creditors but I havent received any responses back as to how the errors were placed on my credit file. At this point I am fed up and Ive reached out to the creditors, bureaus, cfpb, ftc for the final time before taking legal actions. I have asked for the verification process as to what steps are taken to ensure that any error is for the consumer as to my avail no one Creditor responded nor did any of you credit bureaus. The following errors are inquiries and I am disputing the following erroneous items. 1 ). XXXX a. XXXX b. XXXX XXXX c. XXXX XXXX XXXX 2 ). XXXX  : a. XXXX XXXX b. XXXX c. XXXX XXXX XXXX 3. XXXX XXXX 3. XXXX : a. XXXX XXXX b. XXXX XXXX XXXX. I am dusputing the inquiries as an internal dispute which only takes no more than 3 business days. I am not aware of the inquiries. I have contacted the necessary parties. 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 inquiries you post on a credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the inquiries listed below. Your failure to positively verify these erroneous inquiries has hurt my ability to obtain credit. Under the FCRA, unverified information must be removed permanently and immediately and if you are unable to provide me a copy of verifiable proof, you must remove the erroneous listed below. 

I demand the following inquiries be verified or removed immediately. XXXX a. XXXX b. XXXX XXXX c. XXXX XXXX XXXXXXXX 2 ). XXXX : a. XXXX XXXX b. XXXX c. XXXX XXXX XXXX 3.  XXXX XXXX 3. Experian : a. XXXX XXXX b. XXXX XXXX XXXX.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

As a federally protected consumer I am aware of my rights and i am constantly violated by XXXX, XXXX and Experian. Ive called multiple times to remove these accounts from my credit repost if they can not verify these accounts they have violated 15 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed. 
-Sent dispute letters XX/XX/XXXX and still have errors on my report. 

15 USC 1666b late payments from open ended credit plans cant be reported. 
-Dispute was to remove the late payment which wasn't late but still have not fixed it. 

15 USC 1681 ( B ) must have written permission to furnish on my behalf. 
-Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages.

-Have n't been able to purchase a house due to error on my consumer report. 

15 USC 1681 ( a ) ( 4 ) right to privacy.

-Did not give consent to repost items to consumer report.

15 USC 1681 ( b ) must follow reasonable procedures. 
-Sent out unfreeze letter to XXXX multiple times and still wont unfreeze my account. 

15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported. 
-Items was reported that i used my social to obtain. 

15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in 1000 for each violation.
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: Experian Information Solutions Inc. (MI)

Checking over my inquires & I noticed the inaccurate inquires I am not aware of that I called & disputed 30 days ago is still on my report. I contacted the creditors & bureaus provided all documentation stating Im not aware of this. Yet this is still reporting. Please remove these inaccurate inquires from my report ASAP!. you are going against the law section 609 of the Fcra XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Recovery Services, LLC (LA)

I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus.
Consumer complaint received 2021-12-11
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. (GA)

I have called XXXX to get XXXX items disputed off of my credit report XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX, I have mailed in dispute letters from XX/XX/XXXX to get these disputed off my credit by law!!!!! 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX I did not give these Creditors Permission to pull my credit for Any reason ..... 

I have talked to these creditors and they agreed to have these deleted I called Equifax as well to get XXXX items off my credit report XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I sent dispute letters and the credit bureaus claim they never received any letters that was sent
Consumer complaint received 2021-08-25
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. (NY)

Date : XX/XX/XXXX Account names : XXXX XXXX XXXX XXXX amount {$9100.00} reporting on XXXX/XXXX/TransUnion this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
Date : XX/XX/XXXX Account names : XXXX amount {$0.00} that is reporting on this inaccurate information on XXXX/XXXX/TransUnion this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
Date : XX/XX/XXXX Account names : XXXX  XXXX XXXX amount {$1900.00} that is reporting on this inaccurate information on XXXX/XXXX/TransUnion this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
Date : XX/XX/XXXX Account names : XXXX XXXX XXXX/ XXXX amount {$260.00} reporting on XXXX/XXXX/TransUnion this account listed above DO NOT BELONG TO ME and these companies are reporting inaccurate information on my credit report. 
The actions that I try to take to resolve this problem was I tried contacting each company but they all never replied back or answered my mail that was sent to them.
Consumer complaint received 2021-12-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc. (PA)

I have been a customer of Consumer Portfolio Services for the last year. Unfortunately, in XXXX I started getting sick and found out I had XXXX. I was hospitalized on and off and the doctors have determined I am considered a " XXXX XXXX XXXX XXXX survivor. I've been XXXX XXXX times in the last few months, some lasting over a week. I fell behind on my payments and initially contacted CPS in XXXX after receiving emails saying they could help. I was made to feel like XXXX for needing help. I was told to borrow the money, I don't have anyone to borrow it from. Finally I was told they could extend my XXXX payment out to XX/XX/XXXX, but that my XXXX payment would be due XX/XX/XXXX and Id have to handle {$220.00} in late fees. Basically all they would do is move XXXX payment. I agreed to it because I was worried about losing my car and they gave me no other option. Unfortunately my return to work was delayed until XX/XX/XXXX due to my most recent XXXX. I did not be getting a paycheck until XX/XX/XXXX. I used livechat to see if I can do something about XXXXLate fees. And start with a clean slate. I was basically told that they'll send an email to upper management but they can't promise anything. CPS has been the ONLY company unwilling to assist during this rough time. My mortgage company, utilities, every other company understood my situation and was willing to work with me but CPS refuses to budge. All I'm asking for is the payments to be deferred to the end of my loan so I can start with a clean slate in XXXX. I've tried reporting to the XXXX and this company has not responded to them over a month later.
Consumer complaint received 2021-12-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

The company Im dealing with is Coinbase, Im having issues with their platform Coinbase XXXX. On XXXX XXXX 2021 I initiated a transfer of {$3600.00}. About 30 mins later I called to close my account because their was fraudulent activity. They closed the account and had me verify my account. I send them my Drivers license and a selfie to prove my identity and to regain access Into my account. My account was available 24 hrs after it was locked. I realized that the money I had transferred wasnt in my account. I submitted a ticket and I havent received any answers of where my money is. I received an email on XXXX XXXX that my money was available but its yet to show up in my account. Ill attach proof of the email down below. All the company has to do is check in their systems for my account history and theyll see deposit, transfer history and itll show that Im supposed to have an additional {$3600.00} that I deposited. I already checked the statements online and the last transaction is my deposit of {$3600.00} that still isnt available. The company doesnt use account numbers to identify customers, they use emails or case number. My email is XXXX and I pending car number with them is XXXX XXXXXXXX XXXX  XXXX.
Consumer complaint received 2021-12-12
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. (IL)

I requested an reinvestigation into my credit file with Transunion. They responded by deleting items from my credit file. They are civilly liable for the reporting of this information and in violation of my federally protected consumer rights.
Consumer complaint received 2021-12-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I have made XXXX different Wire transfers to a bank account in XXXX : XX/XX/2021 {$3100.00} XX/XX/2021 {$7800.00} I have discovered XX/XX/2021 that the person I have sent the money to is a scammer and I have made a claim the same day to my bank Chase which they lost and had to make a new XXXX XX/XX/2021. I have spent XXXX hours in total over the phone with my bank to find out what's wrong and still did not get any reply. I could not go to work for 2 days trying to get information and help from my bank without a result. 

I made an appointment today with a Chase banker. He called the claim department and they told him the claim they did was rejected by the receiver 's bank and there's nothing they can do because it's a wire transfer.
Consumer complaint received 2022-07-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ACIMA CREDIT, LLC (FL)

During the month of XX/XX/2022 Acima violated many of my consumer rights. Acima called my cell phone mercilessly in an attempt to collect an alleged debt. I received an email on XX/XX/2022 that displayed threats and profonde language causing me XXXX and stress.