davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-06
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. (OH)

On XX/XX/XXXX I received a response to one of the many disputes I submitted to Experian. On the response Experian stated the accounts I disputed were updated. Not only are they still reporting the incorrect accounts they are also reporting a bankruptcy I have disputed with them many times. They are staying they verified the information with XXXX XXXX which is a third party company. I have disputed this bankruptcy with XXXX XXXX and they responded to my dispute stating they, they received the information from another 3rd party, PACER, and this information was sold to the Credit Reporting Agencies. ( See attachment titled " Response - CFPB '' ). I have received a letter from the courts in XXXX stating they Do Not report any information to the credit reporting agencies. I have submitted this letter to Experian and XXXX XXXX several times since XXXX. Experian is reporting the bankruptcy date as XX/XX/XXXX and an account for XXXX XXXX XXXX  that says it was included in the bankruptcy but with a date of XX/XX/XXXX. This is proof that information is not being verified or validated by Experian. This is one of the accounts that I disputed and received a response back that the information had been updated. Experian states on the credit report, the bankruptcy information is being supplied by XXXX XXXX. I have included attachments of the credit report pages with this information.
Consumer complaint received 2023-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (TX)

I transferred {$10000.00} into my Coinbase account. I bought crypto currency with it. This was a month ago. My money is stuck in my account with them, I can not move it to another exchange. Their fees are very expensive. Every time I trade crypto i end up paying around {$300.00} in fees/price manipulation. I have lost a lot of money by trading and not trading because of their high fees. If I was able to transfer my money to another exchange I would have been able to make several trades, with a profit of over {$1000.00} and I would only have to pay {$40.00} or {$60.00} for the trade/transaction . It is a no brainer. I already gave them my id and a picture of myself a few days ago and they told me they would get back to me in 45 days. That is way to long.
Consumer complaint received 2018-02-25
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. (GA)

I have recently disputed the following account with the credit bureau ( XXXX  ) : XXXX XXXX   Acct : XXXX Balance : {$1400.00} The credit bureau subsequently removed this account from my credit file in XX/XX/2018. The account has reappeared on my credit file under XXXX XXXX. I do not have a contract with this company forging any financial obligation nor allowing them to report this debt to by credit. Per the law, all accounts must be validated and I must be notified before they are placed back on my credit file. I received no notification of this action or validation of this account after it had already been removed, nor do I owe a debt to this company.
Consumer complaint received 2019-07-06
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. (TN)

. I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. TRANS UNION deleted the account and then placed it back on ). TRANS UNION has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.
Consumer complaint received 2024-04-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: SUN LOAN COMPANY INC. (TX)

Concern, I am writing to formally dispute and express my concerns regarding an account listed on my credit report. After reviewing the details of my credit report, I have identified discrepancies that I believe are in violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). SUN LOAN company reopened my account multiple time without my permission. I have dispute this problem multiple time & still no fair result.This has effect my credit score severely due to it being reopened enclosed multiple times. My account was initially closed XX/XX/XXXX reported reopened XX/XX/XXXX, reported XX/XX/XXXX reopened XX/XX/XXXX close XX/XX/XXXX reopen XX/XX/XXXX, XX/XX/XXXX and reopen XX/XX/XXXX and still continues to be open now. This account has been charged off and shouldnt be reopened but my rights are steadily being violated and its affecting my financial situation.
Consumer complaint received 2019-07-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (PA)

I am writing on behalf of my daughter, who purchased a XXXX XXXX XXXX from `` XXXX XXXX '' XXXX XXXX on XX/XX/XXXX at the purchase price of {$15.00}, XXXX. Now, after tacking on the astronomical interest rates and other fees the total cost of this vehicle is {$35.00}, XXXX,,,,, ,for a XXXX XXXX XXXX . 

After my daughter recently disclosed this to me a year later, that she was stressed/worried about keeping up with her Bi-weekly car note I immediately started research for any possible resolution for this dilemma that she's in. 

I didn't know where to start looking for information on ( misleading sales tactics, price gouging, or even preying on people who may have no or bad credit ), until I happened upon this website. 
She tried to refinance the vehicle at XXXX XXXX, and to our surprise was informed that it was not possible to refinance the vehicle that was only valued at {$4500.00} according to the XXXX XXXX XXXX, yet XXXX XXXX   XXXX XXXX have her bound to a contract to pay {$35.00}, XXXX. This is absolutely ludicrous!!! 
How can they legally do this to consumers and get away with it, or can they??? Is there anything that can be done in regards to this situation?
Consumer complaint received 2019-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

I had Victoria secret angel card they were monitoring my credit score according to the rep talked to about why my card was turned off even though it was paid off and in excellent standing made all my payments and paid it off I was offered XXXX at the initial acceptance to getting the card then they dropped it to XXXX without knowledge and for no reason they're excuse was my credit score which they have no right monitoring after I got approved from XXXX initial inquiry then they just closed my acct not right or fair have no right judging me or monitoring g my credit after I already ven approved.
Consumer complaint received 2019-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (PA)

DiscoverCard Payment Protection Plan. I was unaware that I was enrolled in this and did not give my consent. I did some research into what the charge was for and found that I had been charged this fee since XXXX. Until I looked into it further I thought it was a regular fee and was not aware that I had to give my permission to be enrolled in the plan. I also saw online that there was a class action lawsuit regarding this problem in XXXX. I am wondering what my rights are as a person who has not had resolution to this yet. I did speak with Discover to cancel the Plan. Thank you.
Consumer complaint received 2023-03-20
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. (DC)

Hello- I have reached out to the credit bureaus, department of education and XXXX. Currently at all 3 credit bureaus it shows that my loan repayment terms are " 4 months '' therefore my debt to income ratio is ridiculously high when applying for credit. XXXX told me that my loan time frame is for 25 years, therefore I want the whole repayment terms length being " 4 months '' fixed.
Consumer complaint received 2019-07-06
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. (TN)

I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. Equifax deleted the account and then placed it back on ). Equifax has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.
Consumer complaint received 2019-07-06
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. (MO)

On XX/XX/XXXX I sent a dispute to Transunion due to 4 items on my credit report being collection accounts listed with a " past due balance ''. A collection account can not also be past due and a violation of my rights. I also sent a dispute of a charged off account that shows settled but was still reporting a monthly balance which was also inaccurate and requested deletion of incorrect items. On XX/XX/XXXX I received a response stating the items were updated or remains. On XX/XX/XXXX I mailed a request to Transunion asserting my rights under the FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Transunion in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Today I received new " dispute results '' from Transunion dated XX/XX/XXXX just stating the items remain or were updated so the actual request was ignored and they just opened a new dispute instead of providing the information under FCRA 611. Since Transunion did not comply with this request within the time frame allotted they need to delete the disputed accounts.
Consumer complaint received 2019-07-06
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: WELLS FARGO & COMPANY (NY)

XXXX and XXXX XXXX received a positive result on one trade line. XXXX  did nothing wrong, it's just that the person that updated credit for Wells Fargo Dealer Services made the necessary correction on a very old credit trade line, and they did not complete the same result for XXXX. The trade line was paid off several years ago. The account was never late, yet the account is still posted on my XXXX report as 30-59 Days Past Due. This is causing me great problems on my credit scores with XXXX. I submitted a hard copy dispute several months ago, and Wells Fargo Dealer Services corrected the account with two out of three credit bureaus. I respectfully request XXXX  to complete another reinvestigation where Wells Fargo Dealer Services responds back accordingly.
Consumer complaint received 2019-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (OH)

I had a cash rewards Visa credit card issued by U.S. Bancorp, which gave 2 % back on general daily spending. And I had accumulated about {$100.00} rewards dollars on this Visa credit card as of XX/XX/2019. While in XX/XX/2019, I received a letter from U.S. Bancorp stating my Visa credit card had been closed because of inactivity. I called U.S. Bancorp to see how they would deal with my {$100.00} rewards dollars. According to them, because of account closure, they would not be able to redeem rewards dollars for me. But the issue is, before they made the decision to close my dormant account, they never informed me in advance. Therefore I had no chance to redeem the rewards dollars before the closure. It is unfair to me as I didn't violate any terms & conditions of this Visa credit card and I didn't request to close this account. The action of U.S. Bancorp is fraudulent as it is not reasonable to decline my request to redeem my rewards dollars.
Consumer complaint received 2019-07-06
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. (IL)

While reviewing my credit report I have noticed several accounts opened that don't belong to me. I haven't applied for theses accounts. There are variation of my name and address that I've never lived at on my report. 
XXXX XXXX XXXX Reference Number XXXX Dept Of Ed/XXXX   DEPT OF ED/XXXX  Consumer XXXX XXXX
Consumer complaint received 2019-07-06
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. (MO)

On XX/XX/XXXX I sent a dispute via fax to Equifax to ensure compliance on an item on my credit report. I received a response dated XX/XX/XXXX stating the item was verified. On XX/XX/XXXX I faxed a request to Equifax asserting my rights under the FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Experian in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Today I received new " dispute results '' dated XX/XX/XXXX from Equifax just stating the items was verified so the actual request was ignored and they just opened a new dispute instead of providing the information under FCRA 611. Since Equifax did not comply with this request within the time frame allotted they need to delete the disputed account.
Consumer complaint received 2018-05-01
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AMERICAN EXPRESS COMPANY (TX)

American Express is calling me several times a day and has been doing so for more than a month. They have called my boyfriend 's phone, my parent 's home phone, and my work phone, despite the fact that I never provided my work or parent 's phone numbers to American Express. 

I have made it very clear to the collection agent, who is named XXXX, that I can not take personal calls during my business hours, which are from XXXX until XXXX Monday - Friday CST. I have also made it clear that I am unable to pay the sum he is demanding and I have requested a hardship payment arrangement, which I know is available through American Express. 

XXXX has repeatedly ignored my requests to cease calls and he said that he will continue to call because his shift ends at XXXX his time and he is not available to " harass '' me at any other times. He continues to ask me personal questions and frequently launches into long stories about how understanding and willing to help he is, but he never gets to the point of actually helping me start the hardship program process. 

I suspect that these debt collectors in the American Express " Advanced Collections Department '' are paid a bonus based on how much money money they can get out of me, and XXXX seems determined to maximize his bonus at my - the consumer 's - expense.
Consumer complaint received 2019-10-11
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: Experian Information Solutions Inc. (TX)

Experian is allowing a fraudulent account that wasnt authorized by me, nor was opened by me to be placed on my Experian Credit File. This account was opened as a result of identity fraud, which Experian was already made aware of. Experian has my identity theft affidavit on file. This is a law enforcement affidavit that explicitly states the crime. This account was opened at an address that doesnt match my credit report. I have never lived at the address the creditor provided. This account is identity fraud. Please correct the mistakes you are making. Secondly Experian just accepts and adds whatever equifax provides them. XXXX   contains a ton of fraud, that XXXX refuses to fix their documentation is invalid, and I want Experian to stop accepting fraudulent information.
Consumer complaint received 2018-02-25
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: CCB Credit Serivces, Inc (KY)

XXXX unauthorized credit inquires XXXX refuses to remove them I contacted the banks and nothing was done. 
I did not authorize any credit card I demand them to be removed. 

Thanks
Consumer complaint received 2016-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (CA)

I was contacted by AFNI collection company thru a letter stating that they were willing to accept a settlement on my XXXX account for half the original amount I paid the settlement amount and then requested a letter stating that I was paid in full and no longer owed any more money, I was told by the AFNI customer service that it takes 120 days for their system to update and I would not receive any letter until that time but only 7 days after I paid the settlement amount I receive an alert from XXXX stating I have a change in my credit I was sure it was AFNI updating my account to XXXX balance. yes, the new information was from AFNI but it was not reporting that I have a XXXX balance AFNI is now reporting that I still owe the half they agreed to settle with me and that my high balance was only the settlement amount and I still owe XXXX I also received a letter today from AFNI stating that they are still trying to collect the other half of the debt. I feel that AFNI deceived me by sending me letters stating that they were willing to settle my debt and once I paid the settlement amount they are continuing to try and collect the balance, I am seeking to find assistance as to hold AFNI accountable for their deceitful practices.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX , XXXX , XXXX ; XXXX , XXXX , XXXX ; XXXX , XXXX , XXXX ; XXXX XXXX XXXX XXXX , MI XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$740.00} ; XXXX XXXX XXXX Balance : {$0.00} ; AFFIRM XXXX XXXX Balance : {$0.00} ; AFFIRM XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$700.00} ; XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$560.00} ; XXXX  XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$77.00} ; XXXX XXXX  XXXX Balance : {$290.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2019-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

When travelling in XXXX XXXX, on XX/XX/XXXX I was forced to leave my US Bank debit card behind in an ATM machine, because I was surrounded by a hostile group of locals who made me feel very uncomfortable. They first conned me into believing that I was supposed to use my card to get a local pass, and then when the card would not be returned be the ATM machine started pressing me into using another card, shouting, made me worry about my personal safety, so I decided to leave the card in the machine and to contact US Bank. 

I walked away from the ATM machine into a hotel lobby nearby, which was a safe place, and immediately contacted US Bank on the phone. By the time I managed to get through to US Bank Security ( waiting on hold, authenticating, etc ) there were three cash withdrawals posted on my account, for {$210.00}, {$360.00}, and {$140.00} This is absolutely preposterous beause : ( a ) I never informed US Bank about my travel plans ; ( b ) I have not withdrawn money from my account abroad in at least ten years, so there is no pattern of me using the card from abroad ; ( c ) how would the US BAnk allow all three transactions to go through, should not there be a reasonable daily withdrawal limit?