davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent a letter to the credit bureaus ( Transunion, XXXX and XXXX ) on XX/XX/2022 and they received each letter on XX/XX/2022 to remove incorrect addresses, phone numbers and past employers. I also sent a copy of my social security card, ID and proof of address which was on my ID and an Electric bill showing my address. It's been over 30 days and the incorrect information is still on my credit report. 

according to 15 U.S. code 1681i- procedure in case of disputed accuracy, the bureau failed to complete a proper investigation of my personal information and violated the FCRA XXXX
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Names and addresses and also work places and phone numbers show up on my credit report that do not belong to me. Please removed these list of names, addresses, phone numbers, and employment from my credit report. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX XXXX XXXX Way XXXX Silver XXXX Md XXXX XXXX XXXX Ct XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2020-02-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC (MI)

Address someone stole my agenda and use my address to obtain a loan from Speedy Loans and try to steal the equity out of my house XXXX XXXX XX/XX/2020 XXXX
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I got a capital one card in XX/XX/2021 I used it for XXXX send a XXXX payment in for more to do XXXX suddenly my card was blocked for fraud I sent in copy of dl s.s. card and bank statements they still have not activated my card nor show where I paid XXXX on my payment but they have reported to my credit for non payment and my credit score has dropped over 100 points I made contact today and they said I need to send them my actual s.s. card I advised I would be filing a complaint after they refused to let me speak with a supervisor I refuse to send a payment till my card is not locked and activated and they fix my credit report that they have messed up.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (DC)

On XX/XX/22 by way of Certified U.S. Mail XXXX XXXX I sent a letter to BMW advising of inaccurate information being reported about a leased vehicle account. Prior to reaching out to BMW, on XX/XX/22 I disputed the information with the credit bureaus advising that the information being reported was inaccurate and casing damage to my creditworthiness. Specifically, BMW is reported that my account has a " high credit limit '' of {$16000.00} -- this is not true and this number does not reflect any balance or limit associated with this account. Secondly, BMW reports that I owe a balance of {$3400.00} that is being paid off at $ XXXX. This information is totally inaccurate. I do not owe a balance on the lease because I bought out the lease and I now own the car. I have never had a {$36.00} payment. The entire account as reported is inaccurate and BMW refuses to correct what is a clear and obvious error.
Consumer complaint received 2020-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (FL)

I have a Barclays XXXX and Barclays Uber CC they have placed a block on both cards. I have sent the information requested and Im sending it along with this document again to no avail
Consumer complaint received 2022-04-14
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. (MA)

Dear TransUnion today is XX/XX/XXXX, I disputed by certified mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the public records bankruptcy with the case number XXXX, date filed XX/XX/XXXX, because you are reporting false information on my credit report because this bankruptcy does not belong to me, and it belongs to someone else so please delete or remove this bankruptcy. 

Also, when you responded to me with no explanation about the investigation results on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the results : ( UPDATED NOT SPECIFIED ) so how did you verify this bankruptcy so please delete this false information on my credit report because you did not investigate or verified any of my disputes and you did not send me any proofs, so please delete or remove this bankruptcy immediately. 
The rule of XXXX says you don't have any of the Information so how can you say this bankruptcy is mine according to the rule XXXX must remove or delete this bankruptcy immediately. The law 15 U.S. Code 1681c Identity theft prevention ; fraud and section 611 ( 1681i ) requires you to do an investigation.

You are reporting false information on me because this bankruptcy is not mine. After all, you can not have my name, my full social security number, or my full date of birth to verify public records, therefore I will be attaching my Social Security Card to verify my first and last name.

I attached 6 supporting documents including my identification and the US postal service tracking numbers certified mail numbers please check.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NC)

In XXXX XXXX  retaliation for me having filed multiple previous complaints to the CFPB, Goldman Sachs went XXXX  and froze an almost $ XXXX payment I made for two weeks just to XXXX XXXX and let me know that it is in fact Goldman Sachs who owns the government because all they have to do is XXXX the right people. Anybody of XXXX or XXXX XXXX is considered XXXX and apparently our money takes two whole weeks to clear because they think its XXXX XXXX XXXX XXXX XXXX XXXX. Even though Goldman Sachs admitted in writing I never bounced a payment or had a late payment ever, the customer service supervisor perpetuated that XXXX XXXXXXXX XXXX  that I had done anything wrong with my account. The only people that Goldman Sachs honors the money for are for those who are XXXX only.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (TN)

They Violated The Educational and Privacy Act of 1974.Also the Privacy a Act of 1974 The Account is coll/charge off, which is considered a Certificate of Indebtness, which means it's income and has to be Removed ASAP
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

In Accordance with The Fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 
I told the XXXX XXXX XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : WELLS FARGO : Account # XXXX.
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (TX)

This is my 2nd attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus with the CFPB. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my report ASAP : 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 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 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 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (CA)

XXXXXXXX XXXX Contact information : XXXX XXXX XXXX Claims to have credit card debt under my name. Continuously harasses my father on his cell phone and never calls me. When I speak to them, they state : It is my burden to show proof that the debt is not mine. 
They continuously deny that they call my father. 
My last communication ( XX/XX/22 ), they harassed me with " presenting papers to me '' then hung up on me. 
I have asked repeatedly to stop calling my father. 
I willingly give them my phone number and repeatedly ask to call me and not my father. 

I have called the credit card company two times to make sure I am not crazy. They have no record of me. This collection agency has been harassing me and my father for the last year. These tactics are completely illegal and should be shut down. They do not offer up any more information other than the phone numbers my father provides me with.
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is fraudulent inquiries in my credit report that I do not recognize. These inquiries are XXXX XXXX  with inquiry date ( XX/XX/XXXX ), XXXX with inquiry date ( XX/XX/XXXX ), & XXXX XXXX  with inquiry dates ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ).
Consumer complaint received 2024-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (GA)

Us auto sales went under and I guess westlake portfolio took over which is even worse I think and I asked for records of what they received from us auto and they said they have none. How do I know what they are saying is right. Thus is so unprofessional. I am not sent any XXXX as overwork from westlake or us auto sales to make sure my acct is right. Us auto sales reposed my car in the past when I wasnt behind. And I did not receive one notice from them. Westlake sends nothing in the mail Please help XXXX XXXX XXXX
Consumer complaint received 2022-04-14
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. (NJ)

Not Sure, but, this is clear identity theft, and someone has used my name, and i would like this to stop. This is a horrible experience to clean up and has cost me and my family even more time and energy trying to clean this up. 
Please delete this information IMMEDIATELY!
Consumer complaint received 2020-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

2017 I opened 3 XXXX cards that were all paid off on time in full and XXXX stopped reporting the trade lines to all credit reporting agencies.
Consumer complaint received 2017-09-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

On XXXX XXXX ( XXXX/XXXX/XXXX ), I initiated a SEPA withdrawal transfer from my wallet on Coinbase with the value of XXXX. I received an automated email saying that the money would arrive in my bank account by XXXX XXXX ( XXXX/XXXX/XXXX ). Today is XXXX XXXX ( XXXX/XXXX/XXXX ) and the money still has n't arrived in my account even though on Coinbase the transfer is said to be completed. I have sent multiple support tickets which have n't been responded to. The dates of the supports tickets which got automated responses are ; XXXX XXXX, XXXX and XXXX. I sent XXXX before those which did n't even get an automated response. For a company that deals with consumers money to not respond is outrageous. I have waited over a month for something that was said to take a few days and am still waiting.
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST PORTFOLIO SERVICING INC (SD)

Total visa is opening accounts with my permission! I can never get it thru the representatives or speak to fraud, constantly on hold, and blamed accused. I never opened this credit card or used it for uses, as I was accused. Close the account and claim it as fraud application!
Consumer complaint received 2022-05-04
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. (MI)

I filled a dispute with XXXX and was unable to get XXXXXXXX XXXX # XXXX removed from my credit report 1.This account was included in my bankruptcy 2.The account was paid in full before I filled bankruptcy I would like to have this account Removed Or be paid {$1000.00} for having my right to privacy violated because I did not give consent to have my information shared
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

So, back during the pandemic, XXXX, and BofA decided to close my acct while their was still money in it, because of f suspected raud .... After some time, it was re-opened once they realized I wasnt fraudulent. But my money was gone. As time has gone on, BofA randomly sends me letters saying they have sided in my favor and they have issued a refund of ( insert random amount )... Well, I got another one of those letters on XX/XX/XXXX. But BofA is no longer the vendor for XXXX payments. WHich means, BofA decided to close all XXXX accounts back in XXXX. Conveniently. SO BofA points at XXXX, and XXXX points at BofA ... ..Logically thinking, BOfA held the money, issued the letter, and issued the refund, and even went so far as to ALMOST do a wire transfer of the funds, but at the very last second, decided, they couldnt trust the branch manager where I did my in person verification. So they withheld the money. After posting every single day since on twitter to the help dept, all they do is say they need time to review my complaint, or that my complaint has been escalated and I should be patient, or Ive even been given a call on a few occasions to say these things on the phone. BUT NOBODY EVER FOLLOWS UP. Now after losing my truck when I was told to go to a branch for in person verification and I would get my money, at which point i ran out of gas and the truck was towed before I could make it back with a gas can I am contacting all of these agencies to try and get some help. What they are doing is unethical, unfair, irresponsible, to say the least. I believe as the holders of finance these people hold the livelyhood of its customers in their hands, and should be held to a standard of conducting business, that exceeds that of other businesses. This type of slow playing, or lack of follow thru, is again, a violation of such ethical obligations, and I would say even borderlines if not completely steps the line of discrimination. To say the least it is a gross violation of its responsibilities, and therefore I am reaching out to try and get some relief in this matter.
Consumer complaint received 2022-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over XXXX days and you are still reporting these items without permission and that is fraud.
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UMB FINANCIAL CORPORATION (OH)

UMB visa debit card stopped working after XX/XX/XXXX UMB continued taking fees on non working card XX/XX/XXXX {$5.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$5.00} Moved my remaining balance to a different card but never informed me nor provided a new card. Have taken an additional {$18.00} in fees.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I have had a loan from HSBC. 

The monthly payment has been through Direct Debit for the past 13 years. 

HSBC made me a change of terms offer which was ambitious at best. Without replying to my questions, it stopped the Direct Debit and then reported me as late, ruining my credit. My credit score fell by 250 points as a result. I can no longer borrow. 

HSBC is saying it has taken steps to fix it but I can not trust HSBC ; I think that the problem is systematic
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

My Name is XXXX XXXX a federally protected consumer and I am making this complaint against Credit Collection Serv. For committing identity theft. I have never given Credit Collection Serv. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c. I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this until Credit Collection Serv can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ccs continues its collection efforts, I will file for litigation for actual damages caused and ccs will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2020-02-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (NC)

I signed up for the {$400.00} bonus for $ XXXX deposit offer that they had on XX/XX/2020. I signed up over the phone, and I told them to withdraw $ XXXX from my account. I gave them all my info. and it was supposed to happen. Then they kept telling me they had problems with me signing up, they wanted another signature card. Long story short, they dragged out the process, it took over a month ( there time window for the offer ) for them to deposit my money into there account and they did it for {$7500.00} not the {$15000.00} that was supposed to be done with. When I called them about the promotion they said it's been over a month and that I didn't qualify anymore! If you're signing up for some kind of promotion that they have beware!