davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Account number XXXX, XXXX XXXX XXXX Account number 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 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

4 credit cards of mine were all closed on XX/XX/2022. I never paid late, I have a XXXX credit score and never went over my limits. When I called asking about them spoke to a manager whom would not give me a clear reason as to why all 4 of my credit cards were closed. She advised she couldn't give that information to the public. I'm not the public these are my cards.
Consumer complaint received 2024-01-20
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: EQUIFAX, INC. (NJ)

It has been 7 years and this company XXXX XXXX is still reporting on my credit negatively with a past due amount even though the account has been closed and sent to a collection account.
Consumer complaint received 2022-04-12
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. (SC)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

On XX/XX/23 I sent my payment of {$7200.00} to Discover Bank and asked for written instructions for the acceptance and completion of payment to be done within XXXX business days. There has been no response from the company.
Consumer complaint received 2019-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NV)

After Wells Fargo closed my Time Account and stole the {$6500.00}, I called and closed my checking and saving accounts with 3 different agents. 
To NO surprise, the accounts have remained opened and they are allowing companies to withdraw from the account, thus creating negative balances. 
All this in retaliation of filing complaints against them for fraudulently raising the interest on a credit card without my knowledge AND closing the Time Account, thus pretending they need 90 days for find a so-called check they sent. 
These people are white collar criminals to the nth degree. 
Upon calling them tonight ( XX/XX/19), the Supervisor could not close the account because closing it has been prohibited ; so they can continue to charge fees.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (GA)

I paid this balance in full in XX/XX/2023. I have asked the bureau to update the file four times now, and provided information from the creditor to show there is a XXXX balance. The company continues to confirm a balance that was from XXXX. They have done this each time.
Consumer complaint received 2022-04-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

My mortgage was sold to freedom mortgage company to XXXX XXXX. I wasnt notified and freedom mortgage didnt pay my home owners insurance. 
My payment was raised without cause. I explained I am on a fixed income and couldnt afford their mistake. I requested an escrow analysis and it showed that freedom mortgage owed me money. I was told I didnt have to pay for 90 days after the transfer from XXXX to freedom. At the conclusion of a two month long analysis process I was given the total amount due to them and told that they would release the overpayments I gave them as soon as I payed the amount due. I payed them instantly and was told my check would be released the following business day. 
The check never arrived and I began receiving harassing collection notice phone calls, letters, and people showing up at my door. I called and was told I still owed money, that they had made another mistake and didnt give me the correct bill due. They held my overpayment of more than {$500.00} until I paid them {$90.00}. I explained that Im on a fixed income and I cant afford to keep covering their errors. They threatened to turn me over to collections and report me to the burrows if I didnt pay them again without having received my overpayment to cover the difference. They suggested I borrow money from people rather than them send the money they owed. I took a loan and paid the difference. 
I was told the check would come but after two weeks it still hadnt. My next payment was now due and I still havent been reimbursed. When I called to ask when my payment would arrive I was told the check was never ordered and that my next payment was now due.

This is putting my credit rating, financial security, ability to pay my bills, and eat at risk as they continue to make errors and avoid responsibility while threatening me with the consequences of their actions.
Consumer complaint received 2022-04-12
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from XXXX XXXX XXXX ; XXXX account number XXXX ; XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX  XXXX ; XXXX XXXX XXXX Account number XXXX ; XXXX XXXX account number 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 2023-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I got my cell phone connection with XXXX ( Account # XXXX ) in XX/XX/2019. As part of the deal I was supposed to get a {$150.00} gift card, which I never received. I closed the account in XX/XX/2019. I was retroactively billed for {$150.00} gift card. I reached out to XXXX, who assured that they will investigate. I explained them that if investigation concludes that I never received/used the initial {$150.00} gift card, then they can cancel off the charges. Instead I was told, if that's the case they can not cancel the charges since the rewards department and billing department are separate.Instead, I would be issued a new {$150.00} gift card by the rewards department, I can then call the billing department and use the new {$150.00} gift card to pay back the outstanding bill. They never returned back to me with the results from their investigation. Instead, they keep reaching out to different debt collectors ( 4 different debt collection agencies so far ) and continue to harass me to pay for the gift card. They have also got these charges listed on my credit report/credit history. I have tried to get this issue investigated through XXXX, XXXX and XXXX  but XXXX keeps changing debt collector agencies ( most recent one being Jefferson.
Consumer complaint received 2024-01-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (OH)

I am trying to refinance my car from Flagship Credit to someone else. 
I submitted the application on XXXX 
I got a call from the company I applied to on XXXX and they told me my account at Flagship is marked as closed on my credit report so they can't pay off my balance and can't complete the refinance. 
I called Flagship on XXXX minutes after speaking with the other company and advised them of what I was told. 
Flagship stated that they would look into it and email me an update within 3 days. 
I never got any info back or email. 
I called the other company XXXX to ask about the status of my application and they told me my account is still marked as closed. 
I tried calling Flagship back on XXXX and was placed on hold for someone in the credit department and waited 20 minutes before I had to hang up.

I tried the same thing today, transferred to credit department and then disconnected.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (IL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2018-12-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A. (FL)

Good Morning, My name is XXXX XXXX and was a co-signor on a Line of credit ( unsecured ) with another individual, XXXX XXXX. 

Th Bank Involved : PNC He and I used the LOC for business expenses associated with a Company we both owned at the time. 

However, this a personal LOC and not a business loan. 

The amount was {$150000.00}. 
Bank : PNC Loan number : XXXX Persons involved : XXXX XXXX ( co loan guarantor ) XXXX XXXX ( PNC VP Lending ) XXXX XXXX ( PNC VP Lending ) XXXX XXXX PNC co-signer XXXX XXXX ( PNC Branch manager XXXX ) In XX/XX/XXXX I left the co-owned company and filed suit against my business partner when I left. 

As the personal LOC was used for the business, XXXX XXXX used the Company to continue to make payments on the personal loan. 

Then, in XX/XX/XXXX XXXX XXXX entered into an Agreement ( without my knowledge, signature, or any form of written consent i.e. email notification, settlement agreement or anything ) with PNC to pay half the Loan off ( {$75000.00} ) and charge off the rest ( {$75000.00} ). 

Again, I never gave consent for any of this. I was then informed in XX/XX/XXXX that my credit report ( XXXX  ) had me listed on the loan with the charge off when I applied for a mortgage on a new home. 

It has been reported to the credit agencies that I was involved with the charge. 

I repeatedly attempted to contact XXXX XXXX and XXXX XXXX ( both from PNC ) involved with this charge off settlement I had no knowledge off. They NEVER responded. 

I filed a complaint with PNC and nothing was changed in my credit report. 

I also have a signed sworn affidavit ( which I am uploading to this complaint ) by XXXX XXXX that without XXXX XXXX ( XXXX XXXX XXXX knowledge or consent, I ( XXXX XXXX ) negotiated a reduction in the payoff amount line of credit with PNC bank, which PNC accepted My credit has now been ruined, caused by a unilateral action between PNC and XXXX XXXX without my knowledge or consent on an action that has materially harmed me in not qualifying for a home loan. Had I been informed or copied on emails Mr. XXXX and Ms. XXXX XXXX Of such negotiations I would have never agreed to this unilaterally executed Settlement. 

I contacted PNC XX/XX/XXXX for the last time and spoke to a XXXX XXXX who essentially told me to file with the CFPB. 

Furthermore I am uploading an email from XXXX XXXX to Mr. XXXX and Ms. XXXX agreeing to accept the Settlement offer which included the charge off without an email, call, letter to include and inform me of this action.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (NC)

On XXXX, I submitted a claim for {$1100.00} against my XXXX XXXX, which at the time showed {$2900.00} available. This claim was for my XXXX annual payment of my XXXX supplement type XXXX XXXX, with XXXX XXXX. I submitted the claim online, and included a copy of the bill for {$1100.00}, and, for proof of payment, a copy of a page from the XXXX XXXX website showing my policy was paid to XX/XX/XXXX. I even high lighted the paid to date. At XXXX XXXX Tuesday XXXX, I received an email that Optum Bank calls " advice of deposit ''. This is a very meaning less email because it fails to mention which claim it is associated with. It tells you to check your account to see which claim has been paid. When I checked my account I did not see any new claim marked paid, but later saw they had debited my XXXX the amount of the {$1100.00}, showing a balance of {$1800.00}. Therefore, I assumed they were in the process of paying that claim. Today XX/XX/XXXX, at XXXX XXXX, I received an email saying my claim had been denied. When I checked my account, my XXXX balance is back to {$2900.00}, and the details of the claim show it was denied due to lack of proof of payment. This is even though My documents submitted with the claim show the policy is paid until XXXX
Consumer complaint received 2021-05-17
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)

XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX, 2019 ( 2 yrs, 1 mos ) I did not do this 2 years ago
Consumer complaint received 2022-04-12
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

DEAR CONSUMER PROTECTION BUREAU SO IM SUBMITTED WRITTEN ONLINE EMAIL REQUEST ABOUT XXXX HAVING DELAY PROBLEM ISSUES WITH BANK OF AMERICAN NOT DEPOSITED MOBILE CHECK RECENT DEPOSIT IN THE PURCHASE AMOUNT XXXX DOLLARS SO I RECENT DEPOSIT MOBILE CHECK DEPOSIT INTO MY ONLINE BANK OF AMERICAN ACCOUNT THEY RECENT CREDIT CHECK CLEAR AMOUNT INTI MY BANK OF AMERICAN CHECKING ACCOUNT WITHOUT OVER DRAFT PROTECTION SO BANK OF AMERICAN CREDIT THE XXXX CHECK ENCLOSE FUNDS INTO MY CHECKING ACCOUNT THEN THEY WITHDRAW RETURN THE FUNDS BACK FROM MY CHECKING ACCOUNT I HAVE ON FILE RECORD STATUS WITH THEM BANK OF AMERICAN CUSTOMER SERVICES CALL CENTER NUMBER XXXX SO THE BANK OF AMERICAN CONSUMER CUSTOMER HAS SENT BANK OF AMERICAN CORPORATE OFFICE SOMETHING IN WRITING ABOUT THE BANK CUSTOMER AGREEMENT TO CLOSE HIS CHECKING ACCOUNT WITH BANK OF AMERICAN BECAUSE BANK OF AMERICAN HAS VIOLATED MY RIGHT MORE THAT ONE TIME WHEN ITS COME TO ACCOUNTING FINANCIAL PERSONAL NEEDS SO AFTER BANK OF AMERICAN REFUSE TO CREDIT FUNDS BACK INTO MY PERSONAL CHECKING ACCOUNT I CONTACTED THE CLAIMS DEPT DIRECTLY THEY ASLO REFUSE TO HELP ME AS WELL I DID CONTACT FDIC ABOUT CHECKING ACCOUNT INSURANCE POLICY ON WHEN U BORROW LEND AGAIN YOUR CHECKING ACCOUNT POLICY IN STANDING SO I RECENT DEPOSIT 3 PERSONAL CHECKS INTO MY BANK OF AMERICAN CHECKING ACCOUNT BANK OF AMERICAN ARE REFUSING TO RELEASE MY FUNDS INTO MY PERSONAL CHECKING ACCOUNT IM DONE DOING BUSINESS WITH BANK OF AMERICAN THIS TIME
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (NJ)

my checking savings and credit builder account were all empty by way of theft i reported the incident and my claim was denied i liled a criminal complaint and still my clame for missing XXXX totalimg over & XXXX ive never been so insulted by the XXXX they handled my claim and the teason why they denied my claim was do ignorant please look into this issue for me the bank is chime
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

There is a Credit card with XXXX XXXX XXXX XXXXeported to EQUIFAX, the limit is XXXX, Im authorized user, but, I have no idea what is this, and its affecting my credit score, my level of indebtedness long time ago. 

Account number start with XXXX Account status : Open Open date : XX/XX/2011 Type : Credit Card Balance : XXXX - 95 % of the account limit. 

There is a big mistake here, because Ive never authorized this transaction and it is affecting a lot my credit score. 

Ive called and they dont give me an answer, because they dont find the information, but, I just checked my credit report and it appears always in EQUIFAX report XXXX
Consumer complaint received 2022-04-12
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. (NY)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (FL)

XXXX  had a special that they will buy out of contract with XXXX XXXX to come over to them and they took all the info was needed and still direct tv charged me also sent me a slip to be shipped off to print out to send the equipment back and I did thru post office and they are saying they never received it
Consumer complaint received 2017-08-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (VA)

InXX/XX/XXXX, a transaction in the amount of {$100.00} was processed to my credit card without authorization - from Coinbase.com. Coinbase had my credit card information on file from purchases of bitcoin made inXX/XX/XXXX, but as evidenced from security logs showing logins to my account, I clearly had not authorized this purchase. Furthermore, the bitcoins that were purchased for {$100.00} were soon after transferred from my account to an unknown bitcoin address. 

Since I was unable to find any contact information for Coinbase, I called my credit card company ( XXXX XXXX ) onXX/XX/XXXX to let them know of the unauthorized transaction. A dispute was filed and sent to Coinbase and is currently pending. However, instead of accepting that this case may be a fraudulent transaction, Coinbase conducted another transaction from my credit card in the same amount, {$100.00} onXX/XX/XXXX. I contacted XXXX XXXX again today,XX/XX/XXXX, to dispute this new transaction. 

Coinbase 's security logs show that I did not login to my account inXX/XX/XXXX, orXX/XX/XXXX, and that I could not have possibly authorized these transactions. 

Additionally, {$60.00} in bitcoin had been sitting in my Coinbase account since my authorizedXX/XX/XXXX purchases and were transferred out of my account on the same day that the total bitcoin from the first order was removed from my account - and it was sent to the same bitcoin address. 

I believe that Coinbase has knowingly and intentionally removed funds from my credit card account without authorization twice, and transferred bitcoin from my Coinbase.com account to a private bitcoin address, likely owned by a Coinbase employee. Coinbase intentionally makes it difficult for their users to contact them and provides no way to do so through their website or phone lines. XXXX XXXX informed me that even Coinbase.com 's vendor file has no phone number attached - meaning Coinbase operates with a high level of privacy. Add to that the difficulty of tracking bitcoin transactions, and an incentivized and lowly-regulated company would have an easy time taking money from its customers. 

I appreciate your time and hope that the CFPB will investigate Coinbase.com for these two unauthorized transactions, plus the transfer of my personal bitcoin funds to an unknown bitcoin address.