davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I received emails directly from Capital One on XX/XX/year> and XX/XX/year> with the following offer : " It's official! We're pleased to present this offer to earn a {$300.00} cash bonus. Your loyalty hasnt gone unnoticed. Weve added {$100.00} to your bonus offer. You can earn a one-time {$300.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. We want to thank you for using CreditWise from Capital One with an opportunity to experience the benefits of the Quicksilver card. Apply today! ". I have excellent credit history with all three credit bureaus. Furthermore, I have a strong relationship with Capital One with over {$100000.00} in savings! However, upon following the Capital One instructions and submitting the application it was automatically denied. Capital One indicated " Based on your credit report from one or more agencies on the back of this letter, there are too many active credit cards based on your loan history ''. My XXXX credit score was listed at XXXX well into the good range. This makes no sense to me. I was quite shocked/surprised and I feel this is deceptive practice on the part of Capital One.
Consumer complaint received 2022-08-18
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. (MO)

This is XXXX XXXX submitting this CFPB complaint requesting the Credit Bureaus to correct the disputed accounts referenced below. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$3100.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-06
Product: Credit reporting 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. (WV)

15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTATCHED MY FTC REPORT & MY DISPUTE LETTERS I HAVE SENT THAT THEY IGNORED TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Consumer complaint received 2023-01-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

My CHASE XXXX Checking Account with Parent listed on account. 
On XX/XX/2022 a wire transfer was made from my account in the amount of {$25000.00}. 
On XX/XX/2022 a wire transfer was made from my account in the amount of {$200000.00}. 
Funds that were not available in my account were sent to another account. 
I was not notified of anything suspicious and my parent was not notified. 

On XX/XX/2022 a withdraw from a bank in Ohio was made in the amount of {$10000.00} On XX/XX/2022 a withdraw from a bank in Ohio was made in the amount of {$14000.00} Funds that were not available were withdrawn by someone and not verified by the bank prior. NO one notified me or my parent. 

I am now being told on XX/XX/2022 another wire transfer was sent from may account in the amount of {$110000.00} No one verified funds in the account? No one notified me or my parent?
Consumer complaint received 2020-12-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF THE WEST (CA)

Shot in the dark but more likely there's more than one person ( me ) behaving in the economy. Actor 1 can not overutilize financial resources causing Actor 2 's scarcity ( specially because Actor 2 is the one paying for Actor 1 's XXXX  behaviors ). Incorrect mathematics : Paycheck = XXXX, Spending = XXXX therefore I have XXXX. I spent imaginary number XXXX low and behold I actually have a massive lien around my entire XXXX. How come? Perhaps because the banks not gon na give you a free house. Fraud -- > Fraud -- > Fraud. 

First instance of fraud were the fraudulent documents used to procure these XXXX mortgage loans. Real problem happened when you opened your XXXX  mouth drawing all sorts of attention about this fact. Here 's how silly you are : Government could have made the bank do exactly what your XXXX XXXX is talking about. Why didn't it. My mouth said : " In this present crisis .... '' You told government to substitute your mortgage for shopping you fool. Instead you should have told government to save your mortgage controlling shopping. XXXX is right. " Representative ''. Plumber, Engineer, Pilot, Accountant.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Credit Reporting Agency : Equifax ; Creditor : XXXX XXXX  XXXX XXXX ; Account Number : XXXX. Recent disputes were submitted via the CFPB portal regarding this account on XX/XX/XXXX. After reviewing my Equifax credit file on XX/XX/XXXX, I noticed two errors. Error 1 : " Payment Status '' is incorrect. The " Payment Status '' should show " charge-off. '' Error 2 : An unauthorized statement has been inserted for this account in the " YOUR STATEMENT '' section. The " YOUR STATEMENT '' section belongs to me, the consumer, and I have never requested, authorized, or provided the creditor ( XXXX XXXX XXXX XXXX ) or the credit reporting agency ( Equifax ) to add any statement. Per the FCRA, the creditor and credit reporting agency are only permitted add a comment in the " COMMENTS '' section. Equifax is in violation of the Fair Credit Reporting Act ( FCRA ) section 611 ( b ) which clearly outlines consumer statements. Equifax is in violation of FRCA section 611 for ( a ) failing to record the current status of disputed information and ( b ) reporting an inaccurate item in my credit file. As a reminder, per the FCRA, a consumer ( s ) credit file must be 100 % accurate and my Equifax file clearly is not. Please refer to the attached copy of my Equifax credit file with the two errors highlighted.
Consumer complaint received 2022-08-18
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. (OK)

My name is XXXX XXXX, I recently pulled my credit report to find numerous fraudulent and unauthorized inquiries on my PUBLIC credit XXXX profile. 


This is hurting my financial health and is HURTING MY ABILITY TO HAVE A HOME AND TRAVEL IN ORDER TO WORK. 


Under FCRA law I have a right to privacy and my permission in the form of a signature is required to pull my credit report or add accounts to it. I HAVE NOT SIGNED ANYTHING OR GAVE WRITTEN CONSENT FOR ANY OF THESE ACCOUNTS. 


I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) giving permission for each of these accounts. 


If you are unable to that proof within a reasonable time YOU MUST DELETE EACH OF THESE ACCOUNTS OFF MY REPORT IMMEDIATELY. 

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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2018 I discovered a new account in collection from XXXX XXXX had been re-inserted into my credit file. Transunion are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. Ive already sent This complain and picture of reinsertion attached, but Transunion saying they dont have any on their record. Seems like false information and they just dont want to follow the rules.
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (AZ)

I have reached out to this company multiple times about this situation and at this point Im about to bring it to court. I have emailed and called informing them that I was not the one who signed up with their plan or whatever it is. I also told a week prior to that my personal information had got out including my social security number, phone number and email. I have did two forms now saying that someone stole my information and I spoke to a representative about it and they told me that it would be taken care of because I was able to prove it wasnt me because they didnt have my correct address. I stopped receiving emails from them after I did the second form and the man said the account would get turned off. So you guys need to stop associating me with whoever did this to me and reach out to the company.
Consumer complaint received 2021-11-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XXXX, I purchased XXXX token from Coinbase during its initial listing. The price per coin was displaying well over XXXX cents despite that fact that the description was listed as a stable coin pegged to the XXXX YEN. The value of the coin continued to increase throughout the day so I made several more purchases to potentially increase my profits. I then received additional tokens from Coinbase which were converted to another token " XXXX '' at XXXX which held even more profit potential. This transaction was completed and a reference code or hash rate of " XXXX '' was assigned. Several hours later, Coinbase halted trading of the XXXX token claiming to be experiencing technical difficulties through an error message listed on the trading tab for XXXX. The XXXX wallet 's Buy/Sell feature was disabled shortly afterwards as well as the ability to Withdraw or Send tokens from customers portfolios. 

A few days later Coinbase representatives withdrew all remaining XXXX tokens from my wallet. Then less then 24 hours later they returned some of these tokens. All withdrawals and deposits were done without reference codes or accompanying email confirmations as all trades, transfers, deposits and withdrawals do per their own user agreement. On XXXX at XXXX Coinbase representatives withdrew all of the remaining tokens within my portfolio totaling approximately {$1000.00} leaving me with a balance of XXXX. This included tokens which were not XXXX and were purchased with USD through my debit card. I reached out to customer support and received no explanation as to why my account had been drained or my trading capabilities limited. Coinbase representatives also restricted my access to trade, buy, sell or withdraw within my linked Coinbase Pro account which have not been reinstated. After reviewing transactions within my portfolio 's ledger it was also clear to see that XXXX totals had been altered several times. This was even done to my completed token conversion transaction into XXXX which is a direct violation of the customer user agreement. I have several screenshots as proof of the tampering in an effort to force losses onto their customers due to negligence or errors.
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I recently pulled my consumer report and I noticed some inaccuracies. Immediately after I reached out to the credit reporting agencies as well as the creditors who were reporting this information. Every time I reached out to request a re-investigation they would send back generic letters stating the accounts were verified and refused to remove them. The same goes to say about the debt collectors providing the information. I am submitting this complaint because I no longer have faith in the Credit reporting agencies to fulfill their responsibility. Their job is to report 100 % accurate information at all times. When a consumer identifies items they believe are not accurate, they should conduct a competent and fair investigation, one that is not unfavorable to the consumer. They should respect the consumer 's right to privacy. They should ask for consumers ' authorization or consent before furnishing information that is untrue. In fact, 15 USC 1681 states that's exactly what they are legally required to do.

In addition to that, I am writing this complaint, because I sent all violating debt collectors Cease and Desists as well as a Validation of Debt request, but I never received the validation of the debt and to date, the information is still being furnished my consumer report. Therefore they willingly and knowingly ignored my Cesist and Desist.

This is a blatant disregard for my consumer rights which is unlawful and insane. Pursuant to 15 USC 1692c and 15 USC 1692g, this is my legal right as the consumer. This type of conduct undermines the consumer and has damaged my confidence in the banking system.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2020-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I opened my account at one of your branch in XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX ). As this account is secondary, my primary goal was to avoid monthly fees if possible. The branch initially tried to set me up with a student account but discovered I did not meet the age requirement. I was then suggested to have a different type of account instead which requires {$1500.00} minimum daily balance to avoid the fees. I chose that account and made deposit within the timeframe instructed by the associate who helped me open that account. 

Today I surprisingly found out I've been charged monthly for a fee of {$4.00}, I went to the branch but wasn't able to find the associate who helped me. They acknowledge this could be an error while setting up the account but they were not able to help me correct the fees. I called the 1-800 number but they couldn't help more than 2 fees either. Therefore I am writing to you and would really appreciate if you can help reverse the fees that were charged due to the error. 
Thank you very much for your time!
Consumer complaint received 2020-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

I have a Citizens Bank checking and savings account for about two years. After a period of low usage, I submitted a request to the Bank to close the account. I thought the Bank have closed my account and stopped all Bank activities. 
It turns out the Bank only close my savings not my checking account. Customer service claimed they could not close out my account because I have positive account balance of {$8.00}. I don't understand why they could not close the account and issue an {$8.00} refund check like a reputable and trustworthy financial institution. 

In late XX/XX/XXXX, I was notified that my account has a negative {$7.00} balance due to inactivity fees from XX/XX/XXXX to XX/XX/XXXX. I emailed customer service but they refuse to do anything until the bank has a positive bank account balance. The Bank has implemented difficult and unnecessary process for consumers to close a bank account and as a result I was charged {$39.00} in fees. I have to follow via secure message, wait for a response and called the Bank twice but still get no resolution. The account should have been closed back in XX/XX/XXXX if the Bank was consumer friendly. Instead, as a result of my closure request, I am out {$39.00}.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I took out XXXX XXXX XXXX XXXX auto loan but somehow a credit card account was opened too. I never did this. The XXXX XXXX fraud team sent me an e-mail validating this is not my account. Please remove the reporting for the XXXX XXXX XXXX XXXX closed credit card account. It is a balance for about {$3000.00}.
Consumer complaint received 2020-02-06
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$3000.00}, {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

3. XXXX/XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account.