davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I want to dispute the following 4 fraudulent accounts listed on my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. I have contacted these creditors for more information to no avail. I have filed an FTC IDENTITY THEFT REPORT because I have never had or open these accounts. The report number is XXXX. I have attached the Identity Theft Report for your review. Please remove these fraudulent accounts from my credit file.
Consumer complaint received 2022-11-02
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. (NY)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XX/XX/2017 my payment did not go through when it was on auto bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

today is XX/XX/19 i pull my experian report come to found out they report fraud accounts on my report i have tried 5 to 6 times to dispute the accounts with them and they comes back with in 5 min saying verfied it aint no way in this world they could have dispute the accounts in 5 min its a disgrace with EXPERIAN i have a FRAUD elert on my account now for a couple months here are the accounts and this is the catch they have been remove from equifax and XXXX accounts .... # XXXX XXXX XXXX XXXX its been remove from equifax and XXXX but not XXXX acount .... # XXXX i XXXX this account also have been remove because of fraud elerts and identity theft but experian will not listen to me i got hung up on the other day trying to expling my concern but no help over there all they say is call the credit copany and i did and they say its up to experian crpb plz tell experian its aginst the law to report fraud accounts on people hard earn credit report its killing my fico score .... Account # XXXX XXXX XXXX XXXX i do not know anything about this account its a fruad account ... Account # XXXX i never had a credit card they saing i had i told them to send me a contracsaying i sign up for this card and they said its veried but i didnt recive no paper work its crazy Account # XXXX XXXX XXXX XXXX i dont know what this is this why i file a fraud elert because someone or somebody putting stuff on my credit report thats are a fraud plz remove its aginst the law .... ALL I want is somebody to stand on my side because talking to experian will not help removing these accounts they dont care about the law all they worry about the money not my credit its the law to report fraud accounts
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681
Consumer complaint received 2023-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WI)

During COVID XXXX of 2020 we were told that there was a 6 month relief period. Since then our balance doesnt make sense, we went to Wells Fargo XXXX discuss and the banker couldnt explain the discrepancy to us. Now there is information on a second mortgage which we didnt agree on.
Consumer complaint received 2020-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I ordered merchandise from online store XXXX on XX/XX/2020 using my chase debit card for {$4700.00}. I was suppose to receive the merchandise on XX/XX/2020 which I didnt receive. I contacted XXXX multiple times, but they straight away refuse to help me with the issue. After which I contacted chase bank to file a dispute since merchant refused to help me. Filing a dispute is my right as a consumer which was there when I signed the contract with chase bank, but they also refused to file the dispute. They even refused to help with it. I filed complain previously also with CFPB XXXX. After which I was advised by one of your representative that I should file a dispute again with the dispute department with the bank and they'll help me with it. When I filed the dispute again with the dispute department they refused to help me saying that this dispute has been previously closed and can't be filed again.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurat
e.
Consumer complaint received 2023-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (FL)

During a family court dispute. Court records were falsified an hour after my filing by the accused in retaliation to make me look like I had a mental health condition which I do not. I was detained by the sheriff 's department with my court documents and brought to XXXX XXXX The hospital doctor said exactly on camera that " off the record, I can not believe the judge issued a baker act on such an embellishment of facts that are clearly false. But I can not revoke a judge 's order for a 72 hour hold. The best I can do is release you after 10 hours based on the hospitals policy ''. My insurance was charged thousands leaving me with a balance of {$1300.00} with XXXX Florida XXXX XXXX. I explained to XXXX that not only did they hold a XXXX  women on XXXX XXXX causing undue stress to the XXXX and other children, but I was clearly not insane and was XXXX against my will. They refused to drop the bill and sent my balance to collections which has caused financial injury to my credit score and added XXXX XXXX as if being held against my will was not enough. The abuse caused by the broken court system and hospital policies has allowed sane people such as myself to be victimized by their abusers.
Consumer complaint received 2022-12-14
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Transunion dated XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. If you do not authenticate these accounts, I will take legal action against you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (LA)

I was trying to get my rolled change turned into cash. The teller informed me that one of my rolls was two coins short. She then informed me that per the banks policy they could not deposit the XXXX into my account. She is a teller at a bank she will at some point throughout the day receive another XXXX in which to make a full roll for her drawer. My legal tender was denied deposit into my personal account because of bank policy. I should be able to put any denomination of my money into my account regardless of if its rolled, short, or not.
Consumer complaint received 2022-08-17
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: Bread Financial Holdings, Inc. (MN)

I got a credit card from XXXX XXXX Comenity bank, a few months ago, have been paying on time for a {$30.00} or {$35.00} dollar purchase, and have been billed with late payments of {$40.00} to {$90.00} in late payments. 
Wrote them a note along with last Payment explaining their mistake, but only to receive latest bill of {$120.00}! 
Also, had a harassment call from them to pay a {$40.00} late fee, which caused me to have kidssymptoms of almost a XXXX XXXX 
Last purchase at store was made with other credit card. 
This is the worst bank and someone should stop them from doing business.Thank You kindly, XXXX
Consumer complaint received 2020-11-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have been sending letters to the bureaus it has been longer than 60 days and I still haven't gotten a response. I am really stressed and don't know what else todo. I have a list of unauthorized inquiries that is on my credit report that I did not commit.
Consumer complaint received 2020-11-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Transunion, This Complaint is formal notice that you have failed to respond to my dispute letter of ( XXXX ). I sent this letter certified mail. 

As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act The following information therefore needs to be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ALLY FINANCIAL INC. (IL)

I am the POA for my XXXX father who suffers from XXXX. He sought out medical assistance for neuropathy with a company called XXXXXXXX XXXX XXXX XXXX in XXXX XXXX, Illinois. My father thought he was seeing a physician based on a TV commercial and didn't realize this was holistic treatment and not covered by his insurance. When I realized this from his showing me the intake paperwork, I informed him that the office was not part of his medical coverage. Unbeknownst to me, he continued to seek treatment from XXXXXXXX XXXX XXXXXXXX XXXX. After receiving a call from their office inquiring about an email address for my father, I was told he was being seen for treatment and the email address was needed for consideration for a loan for medical equipment and services for neuropathy. I informed the office staff of my father 's condition and stated I was his POA and that he was not capable of making medical/financial decisions on his own. The loan was processed and he didn't realize it until he received a statement from XXXX XXXX. When he became aware that it was a loan, he immediately paid the loan in full. However, he has paid for equipment that he doesn't know how to use and this loan paid for services that were never rendered by XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ). I filed a complaint with XXXX XXXX, Ally and our local XXXX on XX/XX/22 and as of date, no resolution has been made.
Consumer complaint received 2018-04-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

This is the second complaint I've had to file against Coinbase as their low level support personnel continue to mishandle and ignore my case. Recap : On XX/XX/XXXX, a fork of Bitcoin called XXXX XXXX ( XXXX  ) occurred. Coinbase promised their customers that anyone storing Bitcoin on Coinbase on XX/XX/XXXX would receive the equivalent number of XXXX XXXX when they rolled it out in XX/XX/XXXX. I held XXXX Bitcoin in a custom vault called XXXX on XX/XX/XXXX1. But Coinbase has still not credited my account as promised. They immediately closed my original support ticket with a generic response that had nothing to do with my case. I only got a response to my second support ticket ( Case # XXXX ) after I filed a complaint with CFPB. That response, shockingly, was that XXXX XXXX was not a supported currency on Coinbase! After I insisted it was, the Coinbase rep XXXX responded that they are working on XXXX XXXX XXXX and that I should wait. So I waited. A few weeks later, XXXX said that my XXXX was ready to be withdrawn from my XXXX XXXX XXXX. I logged into Coinbase, but there was no XXXX balance. I told XXXX this. I explained to her what I thought the problem may be : that the XXXX XXXX  that held my Bitcoin on XX/XX/XXXX ( called XXXX ) no longer exists. After the fork, I had moved my XXXX into my regular Coinbase XXXX wallet, and from there, to a desktop wallet. Then I deleted XXXX. I speculated that the XXXX that is owed to me is tied to XXXX and since that vault was deleted after the fork, my XXXX XXXX had nowhere to go. So I explained all this to XXXX, and she responded with " Im working with a specialist to review and finalize your balance transfer. We will follow-up as soon as the transfer is complete. '' So I waited. Then, on XX/XX/XXXX, I got a shocking reply from a different Coinbase rep : they sent me instructions on how to re-link my email address to my Coinbase account. What?! I'm not having an issue with my email!! After explaining my issue in great detail, they have once again bungled my case, and they are no longer responding to my queries. I have not heard anything else from them. This situation has become beyond unprofessional, it is ludicrous. Today, on XX/XX/XXXX, the XXXX owed to me by Coinbase is worth {$5600.00}, no small sum. If this is not rectified immediately I will be initiating litigation.
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (MI)

This debt specifically ( and others ) have been racked up by my mother used without my consent. I have paid off prior debts to prior debt collection agencies to remove the damage she caused ( almost XXXX $ ) just to find out that I have an old debt from 6 years ago that I knew nothing about till recently in my name for almost XXXX XXXX I have been living with my fiance for the last 8 years or so. I would like to have this resolved as soon as possible because i am now being garnished 25 % of my check that I should not be garnished for. I have contacted the debt collection agency responsible for the garnishment and told them that they have they purchased my account illegally ( not of my acknowledgement or willingness because I did not know that it existed ) and told them that the account was fraudulent as well because I did not open it. They said it didn't matter. They had it in their possession for years and it needed to be taken care of. They did not send me a letter stating that I was going to be taken to court. Nor the garnishment. but I received a letter of AFTER the court date was settled and I was told I neglected to show up to a court date I did not know I had. I would like this resolved and the garnishment not be taken from me but from my mother who is responsible for the fraudulent account to be opened in my name. if you can get back with me as soon as possible that would be greatly appreciated. Thank you
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

XX/XX/2023 - received past due Care Credit payment notice and I paid amount {$63.00} immediately. I called the customer service number to ask how to pay and I was informed that my account was closed by Synchrony bank due to XXXX payments that were reversed. 
XX/XX/XXXX, XXXX I made an extra payment of {$93.00} and the same day, my payment was rejected. I wasn't informed, so I could rectify it. 
XX/XX/2023 - I made an extra payment of {$250.00} and that payment was rejected. I wasn't informed until I received my bank statement. That payment was resent and accepted. 
All minimum payments have been paid on time and have never been late. I've received congratulations emails for paying my promotional bills early. Both payments that were reversed were extra payments and as soon as I was notified, I quickly resolved it.
Consumer complaint received 2020-11-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been sending letters to the bureaus it has been longer than 60 days and I still haven't gotten a response. I am really stressed and don't know what else todo. I have a list of unauthorized inquiries that is on my credit report that I did not commit.
Consumer complaint received 2022-09-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My checking account ending in XXXX was involved in a fraudulant account take-over ( ATO ). The criminal went to a capital one branch on XX/XX/2022 and walked away with {$2000.00} plus {$2400.00} cash. On the same day, I was alerted by another branch that they had my I.D.. I went to a local branch to sort things out as instructed and was told the matter would be investigated and handled with the urgency it requires. I have made multiple calls to the customer protection line ( XXXX ) with " no updates. '' On XXXX XXXX I called again and spoke to XXXX who admitted " everything was not handled properly. '' At that time, XXXX closed the account and a new account number was opened. Today on XX/XX/XXXX, over a month since the fraudulant act, I still am out {$4400.00}. 
XXXX XXXX XXXX. XXXX XXXX # XXXX
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IN)

I received word from XXXX last year that my information had been accessed. I put a security freeze on my accounts. In the last two months I have received multiple scam emails which had my actual social security number on it and I forwarded those to the XXXX and the FBI. I have also had a collection account place on my report which is not mine! The Collection agency is XXXX. This is not my account as I have had a Fraud Alert on my credit since last year I do not know how this got placed on there and I have no knowledge of this account. Also, there are multiple errors on my report which I have tried to get removed such addresses that belong to my ex-husband, and my sister, and my daughters ' credit card accounts! There are also several credit card accounts that are reported twice and should not be reported as they are because I filed bankruptcy in XXXX of 2013! The public record accounts that are on there are shown as derogatory when in reality those accounts are where I set up payments with the IRS because I could not pay all of my taxes at once so I called the IRS before the filing date to set up payments and they agreed. I filed a dispute with XXXX and Experian and they removed the wrong information for a little while but it was placed back my file. Overall, I want the XXXX collection account off my account as it is absolutely not mine!