davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-09
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: SYNCHRONY FINANCIAL (NV)

I received a copy of my credit report and I realized I have a fraudulent hard Inquiry from Synchrony Financial. I contact them by phone, by mail, I complained I they havent removed this fraudulent hard inquiry from my credit report. XXXX   XX/XX/2019
Consumer complaint received 2018-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Conduent Incorporated (FL)

My account was hit with fraud beginning XX/XX/XXXX. I noticed XX/XX/XXXX. There were several charges on my account between 1000.00-1500.00 a pop. I called XXXX XX/XX/XXXX. They stated they would issue a temporary credit to my account. They sent me the paperwork to fill out several times. They also refunded some credit but did not for other charges. I called and spoke with several representatives. They provided me with names who is responsible for the fraud. I made is very clear I do not know who did this. I was told XX/XX/XXXX. To send another letter in stating I would like to appeal their decision. They said I was responsible for these charges and they would send me proof in the mail. They sent me a trans action history not the proof they said they were going to send. I was told on XX/XX/XXXX to send another letter. I have proof I send a letter from XXXX on XX/XX/XXXX. The first rep I spoke with said they received it. I asked to speak with a supervisor who said they never received it. ( So Confusing ) I have complied with all the rules with XXXX, no resolution at all.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (CO)

I am trying to remove a cash balance from my Coinbase account - USD Wallet. My bank is n't listed in their list of banks. Ca n't contact support because they are on some sort of crisis mode and my problem is not listed on their priority list. Went through all the automated support options to no avail. It is under {$10000.00} so I can not do a wire transfer. They took their fees and all I am getting is a wall. Just want my money in my hands.
Consumer complaint received 2019-10-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (CA)

Took out loan for {$5000.00} from Speedy Cash in XX/XX/XXXX in XXXX was told I could borrow more but whole loan was refinanced at a high interest rate no longer allowed in CA I have already paid off amount borrowed as I pay {$660.00} a month. Yet still have about 4 more years of payments
Consumer complaint received 2019-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

on the XX/XX/2019 some guy called and told me they find somebody using my name to do illegal stuff the guy presented himself as a DEA agent, he told me to wire all my account to them after 48h they will return my money i did it n they never give me the money back but i went to the police to file et complaint we called the bank n they promised to block the transfer with the other bank they never did now all what i work for is gone and they cant even refund me or closed the account where my money went. i wire {>= $1,000,000} from chase bank to XXXX XXXX XXXX.
Consumer complaint received 2019-10-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (UT)

There were 5 purchases that show up on my statement that i did not approve. I called US DIRECT EXPRESS over ten times before i was able to get threw. i was on hold for 45 minutes, talk to a customer service agent for 5 minutes, then was told to hold while he transferred me to the dispute department. I was on hold for 2 hours before i finally gave up. Worse company every. I dont know why ssa would use this company
Consumer complaint received 2019-10-06
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (MA)

I leased a XXXX XXXX from XXXX and I set up auto-pay from day one. My payments were deducting automatically every month for the first year and half then in XX/XX/2017 they stopped and reported me delinquent. I only found out after I got alerts from my credit card. I tried to understand what happened but I never got an answer to this day. I said fine and I swallowed it. Then when I returned the car at the end of the lease, everything was fine and I was told there's nothing left for me to do because I didn't want to re-lease from them. A month later I get another alert about a delinquent payment (?? ). I call and they tell me its a disposition fee. I was never informed about it nor have I received a final bill. Yet, they destroy your credit score just like that. Horrible experience, no communication at all, and I will never own a XXXX again.
Consumer complaint received 2023-04-10
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-10-06
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. (OH)

I HAVE A Unauthorized account INQUIRES and Unknown address XXXX XXXX XXXX XXXX, MI XXXX on my credit report by all three Credit Bureaus ( XXXX, TransUnion, XXXX ) XXXX XX/XX/2019, XXXX XX/XX/2019, XXXX XXXX XX/XX/2019,. 
Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2019-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (OH)

I had XXXX XXXX on XX/XX/XXXX. They gave me a XXXX  to wear at the hospital. It was to big and it rubbed on my XXXX. 
I contacted XXXX and I went to 2 different locations at the hospital to exchange it. I finally had to go to the XXXX XXXX in XXXX. 
They didnt have a smaller one do they cut the one I had which didnt work either. 
So I never wore a XXXX so they were going to order a new one but insurance wouldnt cover a 2 nd one and I wasnt able to exchange my original one because they cut it. 
A month later they said they got the insurance to ok it and then they ordered it. By the time I finally got it I picked it up on my way to my appointment at the XXXX XXXX for my follow up. At that point they told me I didnt need it any longer. It was 6 weeks in between my XXXX and when I got it. 
I received a bill a month later and I called and the insurance never said they would pay. 
I called 3 different times trying to resolve this and they would tell me they would look into it and get back to me. Not once of the three times did they get back to me. I tried returning the XXXX being I never wore it. They wouldnt do that. 
I dont feel it was my responsibility to pay for something that I never was supposed to. 
I would like this resolved! 
Thank you XXXX XXXX
Consumer complaint received 2023-04-10
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2019-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I HAVE A Unauthorized account INQUIRES and Unknown address XXXX XXXX XXXX XXXX, MI XXXX on my credit report by all three Credit Bureaus ( XXXX, XXXX, XXXX ) XXXX/XXXX XX/XX/2019, XXXX/XXXX XX/XX/2019, XXXX/XXXX XXXX  XX/XX/2019,. 
Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In  accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2019-10-06
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: CITIBANK, N.A. (FL)

XXXX XXXX XXXX XXXX Inquiry fromXX/XX/2019 requested deletion letter
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiry from XX/XX/2019  requested deletion letter
credit bureau dispute resolutions XXXX XXXX XXXX XXXX XXXX, IA XXXX
XXXX   inquiry from XX/XX/2019  requested deletion letter XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX- XXXX XXXX   XXXX XXXX
phone number XXXX XXXX XXXX  XXXX XXXX   inquiry fromXX/XX/2019 requested deletion letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XX/XX/2019 requested deletion letter XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2019-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

Unauthorized accounts on my credit report by all three Credit Bureaus ( Equifax, XXXX, XXXX ) XXXX/XXXX XX/XX/2019, XXXX/XXXX XX/XX/2019, XXXX/XXXX XXXX  XX/XX/2019,. Which violates XXXX XXXX of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2019-04-08
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: EQUIFAX, INC. (MN)

Dear CFPB and XXXX representative, This complaint is a follow up to unresolved issues from 2017 filing to XXXX XXXX. XXXX 's mishandling of the account is a huge violation of the Fair Credit Reporting Act, and I urge the CFPB to take a cautious look at XXXX Credit Card actions backed by XXXX. Numerous consumer sites detail the fraudulent activity by the company in opening accounts, moving money around, restricting access and ruining consumer credit. This needs to be put to an end with an acceptable resolution. Legal action should follow if consumers are not granted an acceptable and prompt resolution. Further information in the attached word document. Respectfully, XXXX
Consumer complaint received 2019-10-06
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: Experian Information Solutions Inc. (RI)

i have sent this company multiple letters requesting a full itemized statement of this account from the day it was open until this account closed, they refuse to send me any copy of any document, agreement, application, contract with my wet ink signature agreeing to this alleged debt. they report inaccurate information on my credit report without sending me any documented proof that they conducted a proper investigation regarding this account, i have asked for documents in the attached letter and they have ignore my request multiple times, also i have asked to verify that they are reporting in compliance to metro 2 format reporting compliance. this inaccurate and unverified item is dimming my ability to obtain a fair credit report.
Consumer complaint received 2019-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

i have sent this company multiple letters requesting a full itemized statement of this account from the day it was open until this account closed, they refuse to send me any copy of any document, agreement, application, contract with my wet ink signature agreeing to this alleged debt. they report inaccurate information on my credit report without sending me any documented proof that they conducted a proper investigation regarding this account, i have asked for documents in the attached letter and they have ignore my request multiple times, also i have asked to verify that they are reporting in compliance to metro 2 format reporting compliance. this inaccurate and unverified item is dimming my ability to obtain a fair credit report.
Consumer complaint received 2019-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Unauthorized accounts on my credit report by all three Credit Bureaus ( XXXX, TransUnion, XXXX ) XXXX XX/XX/2019, XXXX XX/XX/2019, XXXX XXXX XX/XX/2019,. Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2019-10-06
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: Fidelity National Information Services, Inc. (FNIS) (FL)

I have been trying to correct ChexSystems experience etc. for two years now. I was notified by experience that I was on the dark web and that my identity has been compromised my Social Security number had been compromised I just received another notice of that on or about XX/XX/XXXX. I contacted them about them giving me extra security on my account I think freezes on my account I put alerts on my account nothing has been done by XXXX or any of the other credit reporting agencies theres like 30 inquiries that I did not do that is ruining my credit theres charges on there that I havent done and Ive disputed them again everything I can do.
Consumer complaint received 2022-04-01
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. (CA)

In accordance with the fair credit reporting act ... the following account XXXX # XXXX has violated my rights ... .... 

-15USC 1681 Section 602A ... states I have the right to privacy.

-15USC 1681 Section 604A Section 2 ... .. also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-10-06
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: CAPITAL ONE FINANCIAL CORPORATION (RI)

i have sent this company multiple letters requesting a full itemized statement of this account from the day it was open until this account closed, they refuse to send me any copy of any document, agreement, application, contract with my wet ink signature agreeing to this alleged debt. they report inaccurate information on my credit report without sending me any documented proof that they conducted a proper investigation regarding this account, i have asked for documents in the attached letter and they have ignore my request multiple times, also i have asked to verify that they are reporting in compliance to metro 2 format reporting compliance. this inaccurate and unverified item is dimming my ability to obtain a fair credit report.
Consumer complaint received 2019-10-06
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: BARCLAYS BANK DELAWARE (NC)

XXXX XXXX ( XXXX  ) markets a XXXX through Barclays Bank that advertises free checked baggage. There are multiple restrictions and loopholes that effectively voids this benefit. Ive tried to resolve this issue with XXXX  and they refer to the fine print. XXXX & Barclays fraudulently advertise a benefit that is not available except under very specific conditions resulting in consumer fraud.
Consumer complaint received 2021-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NJ)

I had a reoccurring charge with XXXX. I lost my credit card and Comenity bank issued me a new card with a new number in XX/XX/XXXX. On XX/XX/XXXX I was charged $ XXXX> I did not give my new number to XX/XX/XXXX but Comenity bank did> I did not give them permission to give my number to anyone. They told me it is their policy to give my number to companies that I have reoccurring charges. I don '' t think they should have the right to give my credit card number to anyone without my permission regardless of previous transactions. I thought the credit card companies were supposed to protect me not the venders.
Consumer complaint received 2018-06-15
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA)

Beginning of XX/XX/XXXX, I am receiving calls from XXXX, XXXX, XXXX numbers along with numerous other numbers. By XX/XX/XXXX, a call is placed to my spouse phone claiming they are FAM and that I gave them his reference number. They do not specify who they are or anything of that nature. By XX/XX/XXXX, I call them back around XXXX PST and I am speaking to an unprofessional, rude, and ignorant agent of FAMS. He goes off telling me he is representing XXXX and they want to settle for a certain amount, asked if I had it, and went off asking how I make my living. There was no discussion that they sent a notification or anything. Or that I am able to go online with account number to check out any notification from them. Then, I am asked for my banking information and told they will be deducting {$250.00} for 4 months and the interest will stop. From all of this, I am not sure who these people are because I never received any written information and will not be giving any information over the phone. After that conversation, I asked if I can start in XX/XX/XXXX. The rude boy gets upset and say well I just have to. Let XXXX know you are not able to do it. The approach was very rude and in a attacking matter where no options were given. After the conversation with this rude individual, I receive 3 more calls with the numbers listed above. I need to see written information and options for me to believe this is what is going on. Being rude and ignorant will not help these people get a reaction or settlement from anyone. To make it worse, there was no notification what so ever. This can be a company out of a basement collecting from individuals. Nothing else was explained. The harassment continues with them on the daily with 4 or 5 calls a day.
Consumer complaint received 2019-10-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

New details on a previous complaint I made have been brought to my attention ; I am requesting proof that Bank of America had an " XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX. '' in the summer/fall of 2015. 

For reference, I am attaching official paperwork I signed/received during my mortgage application process during that time. 

Thank you, XXXX
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As a victim of identity theft I have been unable to get things removed from credit report because the companies involved still try to say it is my account. When it is not. VICTIM OF IDENTITY THEFT