davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
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: Penn Credit Corporation (MI)

As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights.
Consumer complaint received 2021-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

This complaint is in reference to the previous complaints filed in XXXX ( Complaint XXXX ) AND XXXX ( Complaint XXXX ). Wells Fargo is selling customer account information to XXXX XXXX XXXX and possibly every county in NC. Since at least XXXX XXXX XXXX XXXX repeatedly accessed my mother 's bank account without written authorization from her or me as her Power of Attorney. The account information is being sent electronically to XXXX from Wells Fargo. Wells Fargo stated that XXXX had authorization and yet no one has presented their supposed proof of authorization. 

I have emails from a XXXX employee that was working on my mothers case stating that he obtained authorization from another employee and provided the person 's signature. XXXX had no authority over my mother to be doing this. He was so comfortable saying this and providing the email because they do it ALL THE TIME. These are clear violations of Gramm-Leach-Bliley Act. 

Wells Fargo admitted in their XXXX complaint response that a third party released the account information. I want Wells Fargo to Explain how another organization has Wells Fargo Bank account data. Wells Fargo is the sole source of customer account information. Why is a data feed of customer account information being sent to XXXX XXXX through a 3rd party AND possibly the entire state system of NC XXXX. Again, this is a violation of Gramm-Leach-Bliley Act.
Consumer complaint received 2018-04-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

On XX/XX/XXXX I decided that I no longer want to use Coinbase cryptocurrency wallet, so I closed/deleted an account ( with XXXX funds on it ). On XX/XX/XXXX I was trying to sent my Ethereum from 3rd party website to my currently used wallet, but I accidentaly sent it to a address associated with deleted Coinbase account. I imediately contacted Coinbase support via e-mail and also made a post on XXXX  ( XXXXXXXX XXXX XXXX ). From Coinbase support I got an irrelevant ( probably automated ) reply that all transactions all irreversible. I also got contacted from one of the Coinbase XXXX moderators via the support ticket. She told me that my transaction was found in system and I should recreate my account so they can assigin my transaction to it. So I did that, replied and from that point I'm only waiting. It will be more than month now and I still didn't recived any reponse from them. Also, few days ago, I opened another support ticket, where I asked if they could finally look onto my problem. I will attach copy of both e-mails in .pdf file.
Consumer complaint received 2019-10-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FC HoldCo LLC (NV)

XX/XX/2019 The Complaint against Flagship Credit Acceptance : I am filing a complaint against the finance company named Flagship Credit Acceptance for their unethical practices. They worked in conjunction with XXXX to finance this car unlawfully. First scenario is that the contract is broken and inconsistent. We only signed a contract that states XXXX as our creditor not Flagship Credit Acceptance. Additionally, the rates and payments are different from the original and only contract we signed with XXXX versus the invoice Flagship Credit Acceptance sent nearly 20 -30 days later after the ordeal. Flagship typed up an invoice letter with a date that did not even match the date we received the invoice. We asked the dealership multiple times for the name of the finance company but they just said the company would get in touch with you! They knew if they gave us the Finance company name we would contact them and tell them not to do the deal. When we finally got the 1st invoice we called them and immediately told them not to do the deal. They said emphatically no ; and that they already paid XXXX and that we owed them. I am XXXX years old and financed multiple cars in my life and in every instance the finance manager always let me know what finance company would be financing the car and when they would be calling to go over the interest rate and the payment amount. Most importantly they adamantly stressed to let the finance company know you WANT THE CAR because if not they will not finance the car. In this case, they did not do that, they did not call us and verify the rates and terms they just sent and invoice that did not match the contract we originally signed therefore making the contract void. We have repeatedly asked Flagship Credit Acceptance to provide a signed contract that showed we agreed to their terms of the invoice and they refused. Iam asking for the XXXX dollars they forced on us unlawfully and the removal of this account off our credit report.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2019-10-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (CA)

I was paying modification payments when they foreclosed. Their trustee XXXX XXXX XXXX and Ditech never recorded the transfer of ownership. The city of XXXX continues to harass me and fines grow daily. Ditech has gone through 2 bankruptcies and XXXX will not return my calls. The property was broken into a distorted and Ditech kept the insurance proceeds.I received a letter congratulating me on the approval of the modification and the very next day when I called to make the payment ( XX/XX/2018 ) they wouldnt accept it.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2019-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NJ)

Around the end of XX/XX/2019, my husband and I were looking to book a flight for an upcoming trip to XXXX XXXX. The XXXX XXXX site was advertising a promotion offered by Chase ; specifically, a {$250.00} statement credit to open a new revolving account with Chase. We both thought this was a good deal and sought to take advantage of Chases on-line offer. There were problems with the site, but I was able to log back in and eventually book my flight and obtain approval for the credit card. My husband experienced more difficulty with the site and was not able to complete his transaction until the next day. 
We received our first statements from Chase about a month later. Although my husband did, in fact, receive a {$250.00} credit on his statement, I did not receive it on mine ( copies enclosed ). I immediately phoned Chase and was told by a representative that I did not apply for this offer ; I was told that the offer I applied for entitled me to some sort of bonus miles, which I did not need or want, since I seldom travel. 
I asked the representative, and then a supervisor, if they could switch the bonus miles to the {$250.00} statement credit that I applied for, and I was told they could not. I escalated the complaint, and Chases final answer to me on XX/XX/XXXX was that they could not assist me, and I got what I applied for. 
I am disappointed in this unfair treatment by Chase. I followed the instructions on the website to apply for the {$250.00} offer. I never read about another promotion, nor did I intend to apply for any other promotion. I am only asking Chase to honor a bona fide offer that was in effect on the day I applied for it, and for which I intended and believe I did apply for.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have sent in letters regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-03-06
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (CA)

This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance {$170.00} XXXX  XXXX Balance {$2000.00} XXXX XXXX Balance : {$7600.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-02-11
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. (PA)

I have sent in letters regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-10-10
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. (NC)

Under the fair credit act the following creditors have violated my rights. My rights are being violated by going against The US Code 1681 section 602 A. States I have the right to privacy. followed by violating US Code 1681 Section 604 A Section 2 stating a consumer reporting agency can not furnish a account without my written instructions. 

-Credit Acceptance Account number starting with XXXX -XXXX  XXXX Account number starting in XXXX -XXXX XXXX XXXX Account number starting in XXXX -XXXX XXXX XXXX Account number starting with XXXX I also would like to point out I have been Economically impacted by COVID19 and have had no mercy from the creditors once I brought the violations to their attention which has led me to file this complaint.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (OH)

I have this gift card looked up on line to see balance, seen there was a charge for {$220.00}. Called XXXX  told them about this, they told me it would take 45 - 90 days for investigation, that was on XX/XX/2023. Now in XXXX still investigating this. Went back to check the amount of balance I still had which was {$220.00}, they cleared off everything, I have no information listed. I called a couple of days ago, still investigating. The charge that was made was to a fitness gym in Tenn. I am a XXXX old man living in Ohio, sure as heck not going to work out, and surly not driving to Tenn. to do it. The case # for the dispute is XXXX.
Consumer complaint received 2022-07-12
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: CURO Intermediate Holdings (AL)

The Fair Credit Reporting Act requires that the credit reporting agency report accurate information. XXXX XXXX XXXX has me in collections for XXXX accounts. Original XXXX reported as Speedy Cash for {$560.00} and XXXX XXXX {$610.00}. I am reporting both for predatory lending targeting a certain economic group and using unlawful practices for monetary gain. This is a violation of my rights under the Fair Credit Reporting Act Title 15 us code 1663 Advertising of open end Credit plans. 15 US Code 1691 D2 Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. 15 US Code 1692 A Abusive Practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices contribute to the number of personal bankruptcies, marital instability, to the loss of jobs, and to invasions of individual privacy.
Consumer complaint received 2021-07-26
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. (MD)

I am being violated according to my studies of the fcra. I have been disputing with XXXX equifax and XXXX about an alleged bankruptcy they are reporting. It is defamation of character and effecting my credit worthiness. I have asked for verification of the source of where they got their information. I was not produced with anything but mail stating that it is verified. But how was it verified? I asked for documentation which was not sent within the 30 day time limit. I didn't give permission for this information to be furnished. There is no permissible purpose to furnish. No proper investigation was done and no documentation was received so I believe the information should be deleted. The laws are highlighted and attached. You are in violation of the FCRA 1681a ( 2 ) b and c 1681 ( a ) e 1681b alway 1681d ( 3 ) if this is not corrected I will seek litigation
Consumer complaint received 2023-06-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: KEYCORP (OH)

So what happened was I ordered something off a website on XX/XX/XXXX and it was supposed to be delivered to me on XX/XX/XXXX so what happen was I payed XXXX on my key bank and my XXXX as well to get the item this guy name XXXX XXXX XXXX XXXX said I have to pay another additional shipping for my package he was telling me to pay XXXX and the package was coming from XXXX XXXX so when I payed hes talking about I have to pay more and the company also said that too so I talked to key bank and XXXX to get a provisional credit and I also sent over documents as well so they both denied my claim and XXXX closed my account for no reason so everything about the guy that scamed me will be in the documents my key bank claim number is XXXX my XXXX claim number is XXXX.
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (MS)

On a Saturday I transferred money from my Regions Bank XXXX account to my Regions Bank XXXX account via online banking. I reviewed my checking account balance to see that the transfer went through and the balance reflected the transfer. Then I went to XXXXwo stores and made purchases using my debit card. On Tuesday morning, I checked my account online and noticed that it was negative. After further review I saw two bank overdraft charges for the two purchases I made after transferring money into my checking account. I called Regions bank customer service and asked the agent why I was charged two overdraft fees for the purchases when I transferred more than enough money into my account before making the purchases to avoid overdraft. She informed me that the bank was closed on weekends and on Monday mornings their policy is to post all the debits first then the credits. They do not post in the order the transactions were made. So they essentially charged my account for the two transactions before they posted the transfer which made my account overdraft because there wasnt enough money in the account to cover the transactions which is why I did the transfer in the first place. After which they charged me an overdraft fee for each transaction after that.
Consumer complaint received 2022-02-11
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: TD BANK US HOLDING COMPANY (NY)

I have exceptional payment history on all my accounts. During covid 19 various creditors closed my accounts with out my knowledge and issued charge backs on accounts with 0 balances and all accounts have exceptional payment history. This has caused my credit that I have worked so hard for to drop substantially. I have paid off every card infull and on time. XXXX XXXX has issued charge backs after I paid in full. Other creditors closed my account with notifying me and continually and fraudulently issued false late payments. This all happened during the pandemic and i am beyond frustrated because I have paid them all in full. Please help I will take this to the highest court I needed because this is un-American and more so very fraudulent practices. To prey on families that have paid and fulfilled with exceptional credit only to be penalized by false claims. Please advise. I will not allow my hard work and dedication to go down the tube for fraudulent businesses. Thank you.