davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (MS)

I have been paying Experian for a couple years for credit repair the boost option wont show my phone bill payments or other monthly bills it give me a credit card offer from XXXX bank after my score was going up I setup auto payment then the bank wasnt taking my payments the app wouldnt let me log in it keep telling me my info was incorrect then I revived a call a couple months later and I explained I had moved and couldnt log in I made a payment and requsted to set up autopsy they took payment and said soon as I hung up it would let me log in it still wouldnt and I called number back but it wouldnt let me call I think Experian is a scam and deliberate do this to people so they will keep paying them now I cant even find on site for them to stop billing me for service I feel is a scam
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NY)

I have been a customer of Coinbase for 5+ years now. As of XX/XX/XXXX, I had full access to my account with no issues. A few days later go by, and somehow I am locked out of my account, not allowing me back in. I then tried many times to reset password but the system does not provide the email verification to reset the password. At this point I have lost full access to my account and control of my funds.
Consumer complaint received 2022-03-28
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. (MN)

I have previously disputed with XXXX, XXXX  and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TN)

On the morning of XX/XX/2024 ; I woke up to 4 different charges posted to my Wells Fargo Everyday Checking account from XXXX XXXX in the grand total of {$850.00}. I immediately reported my debit card as compromised on the Wells Fargo app. I set up a replacement card via XXXX XXXX and within that 5 minute span, the 4th and final charge was made. I called Wells Fargo and explained to them that these charges were not made by me and there is something wrong with both my Wells Fargo account as well as my XXXX XXXX  system, my claim was denied by Wells Fargo. I called in attempt to escalate the situation and was told You can always file a lawsuit against us by the representative
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XX/XX/2021 I sent notice to remove the alleged bankruptcy. I also attached the proof that XXXX removed the item since they furnished it. In XXXX I also sent notice that the bankruptcy sent stating that they do not give information to TransUnion. Im demanding an audit trail and the original instrument 15 U.S. Code 1692g ( IM DEMANDING VALIDATION & FULL AUDIT TRAIL ) attached is also my FTC report for this items. 
15 U.S. Code 1692g - Validation of debts U. S BANKRUPTCY ( alleged filing and a copy of the court docket ) 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : ITEMS MUST BE DELETED DURING NOTICE OF THE DISPUTE FROM THE CONSUMER
Consumer complaint received 2021-12-15
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: Experian Information Solutions Inc. (CA)

I have disputed these items on my credit report multiple times I have not heard anything from XXXX of the main credit bureaus XXXX Experian and XXXX I have not received any notification or any verifiable information for these accounts on my report this is truly hurting me because I am trying invest in my business and my credit report is hurting me
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2021 I went to XXXX to request my 3 online credits reports. The only one that didn't give me access was Experian. However, I'm able to go to there website and pay to get my report online.
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (NC)

Over the course of 3 months there has been multiple fraudulent charges made to my account. I have requested PNC Bank close my account, or change the account numbers on my account. They will do neither. My balance was positive, and they still will not close the account after asking multiple times. Due to fraudulent activity along with the issue of charges processing multiple days after posting to the account, and charges reversing just to be recharged and concur fees associated with said charges I do NOT want an account with PNC any longer.
Consumer complaint received 2019-09-05
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. (DC)

I have several DEPTOF XXXX accounts that are reporting inaccurate information. They are reporting 90 and 120 days. On-time XX/XX/XXXX, 90 days late XX/XX/XXXX and 120 days late XX/XX/XXXX. There are 30 or 31 days in a month. I sent to proof and instead of correcting the error or deleting the account. 

Thy continue to update now 120 days late is reporting XX/XX/XXXX when the account was closed/transferred XX/XX/XXXX
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (DE)

I sent notice to remove the alleged bankruptcy. I also attached the proof that XXXX removed the item since they furnished it. In XXXX I also sent notice that the bankruptcy sent stating that they do not give information to Experian. Im demanding an audit trail and the original instrument 15 U.S. Code 1692g ( IM DEMANDING VALIDATION & FULL AUDIT TRAIL ) attached is also my FTC report for this items. 
15 U.S. Code 1692g - Validation of debts U. S BANKRUPTCY ( alleged filing and a copy of the court docket ) 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : ITEMS MUST BE DELETED DURING NOTICE OF THE DISPUTE FROM THE CONSUMER
Consumer complaint received 2021-12-15
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. (CO)

I am having an issue with experian removing a collection from my account. I have had it removed from XXXX and XXXX already. It is a collection from XXXX XXXX. I have never had XXXX XXXX or an XXXX account in my name. This was done by someone else or it is a fraudulent collection. I have tried to dispute it through experian multiple times to no avail. I am not going to pay a collection for which i never had an account.
Consumer complaint received 2022-03-28
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. (MN)

I have previously disputed with XXXX, experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-02-15
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. (LA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-12-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/2021 I initiated payment from my savings account for the month of XXXX. Mortgagor due to error in the system withdrew funds from my checking and savings account resulting in duplicate payment and overdraft fees. Payment from checking account was not authorized by me but was processed because checking account was previously linked to my loan. Mortgagor error resulted in a slew of problems including insufficient balance and overdraft fees. Two weeks later they are still unable to process a refund. Upon many requests to get connected to a supervisor within payment department, customer service would hang up on me or tell me that supervisor is not available.
Consumer complaint received 2017-06-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Solutions Inc (NE)

ar/solutions keeps doing this to me they take out more than they should.they take out 25 % of my pay.i keep telling the courts and ar solutions attorneys. the courts know that I am head of family and the only can take out 15 % of my pay.i need something done with this.they do n't like me reporting them so the do this to me and my family.thank you  XXXX   XXXX ,  ne.this is the ph one number to ar solutions  XXXX
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-15
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. (TX)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2019-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

Talked to chase we arranged a payment for the end of XXXX to be caught up on payments. Made a XXXX payment XXXX first they closed my account XX/XX/XXXX even though I made the payment 29 days early. They did not tell me they were closing account nor did they give me a reason why. Has since paid off in full and no longer want to do business with them anymore
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP (TX)

Pursuant to 15 USC 1692g American Honda Finance Corporation d/b/a Honda Financial Services is to provide me a written notice with the following information - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Because I, the consumer, never received such written notice from American Honda Finance Corporation d/b/a Honda Financial Services, on XX/XX/2021, I sent a request for Validation of Debt for the account via USPS Certified Mail, return receipt requested, pursuant to 15 USC 1692g, because I believe the debt is an alleged obligation and disputed its validity. American Honda Finance Corporation d/b/a Honda Financial Services is in receipt of this document as verified by USPS return receipt. As of XX/XX/2021, over 30 calendar days since the date of the Validation of Debt letter, American Honda Finance Corporation d/b/a Honda Financial Services has not responded in regard to the Validation of Debt letter nor have they provided proper validation of the alleged debt. This is an individual act against 15 USC 1692g. Due to American Honda Finance Corporation d/b/a Honda Financial Services lack of response XXXX the alleged debt is not validated
Consumer complaint received 2023-10-10
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. (NY)

I am filing this complaint to inform you that I am a victim of identity theft and to request your immediate assistance in investigating and rectifying the fraudulent information that has appeared on my credit report. I believe that I have been a victim of identity theft, and I am providing the following details for your attention : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX. Please delete this account ASAP. I kindly request that you remove the inaccuracies resulting from this identity theft from my credit report. I appreciate your cooperation and understanding in this matter and trust that you will handle this case expeditiously in compliance with the law.
Consumer complaint received 2021-12-15
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (NC)

i have a reverse mtg. that was turned over to Novad consulting in XX/XX/2021. I still have money in an escrow account that I drew on each year to pay taxes, I can not access my funds. I have tried emails but they are rejected. i have tried 9 different phone # but they all go to the same recorded messages. my taxes arew due now and i can not pay. please help me. the novad address isXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nc ph. XXXX e-mail XXXX XXXX
Consumer complaint received 2021-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Access Receivables of NC Inc. (MD)

I ( XXXX XXXX XXXX recently obtained a copy of my credit report. Access Receivables Management continues to violate my rights according to Fair Debt Collection Practice Act ( FDCPA ). Also this company is in violations according to 15 USC 1692. This company have violated 15 USC 1692b ( 2 ), 15 USC 1692b, 15 USC 1692c. 15 USC 1692c ( 1 ), 15 USC 1692c ( 3 ), 15 USC 1692d, 15 USC 1692e. This company have violated my rights as a consumer and misuse my name. Hurt my reputation and my life. I have attached my LICENSE.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Experian Credit bureau has failed to respond about the removal of the erroneous information about my inquiries. Sending them letters dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my Inquiries are continuously reported on my Credit Report. Therefore, Experian failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-08-06
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: SYNCHRONY FINANCIAL (GA)

XXXX XXXXt/Synchrony Bank charged {$1400.00} interest on a {$1600.00} balance. 
They are refusing to take it off and they are stating those were the terms. This account was opened by a vendor to pay for installing an ac in 2017. The initial amount was about {$3300.00}. Now, after a year and some change of paying it is at {$3000.00}. I spoke to the manager and she told me that there is nothing they can do!
Consumer complaint received 2021-12-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC (CT)

I received an email from BMWF Collections dept yesterday, XX/XX/XXXX, requesting I call them directly. This email was received after I sent a direct message on BMWF site with intentions to pay, received and replied to by a XXXX, I believe is the name.. I called BMWF line at XXXX, spoke with a XXXX I believe is her name, provided intentions to pay XXXX past amount of XXXX. A bill payment is scheduled for today, XX/XX/XXXX. in the amount of {$140.00}, another payment in the amount of {$500.00} will be made this coming week, another payment in the amount of {$200.00} by XX/XX/XXXX. I believe these payments should cover XXXX. On a side note, a payment confirmation email was received today showing a payment in the amount of {$900.00} made on XX/XX/XXXX, I believe, in which case this appears to be an error on end of BMWF, sending an email from a payment made in XXXX For whatever reason, the payment could not be taken out of the account, ending in XXXX. I was told account is frozen when it is not, other payees are able to withdraw, do not show frozen. BMWF should correct this error, sending a payment confirmation email from XXXX which was not withdrawn, account is frozen, according to their records.. Also, please note my payment intention to cover past due month of XXXX.
Consumer complaint received 2021-05-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

XX/XX/2020 I have informed XXXX XXXX my job was impacted by Covid 19. I had to file unemployment and the process was time consuming which caused the late reporting on credit report. I have been informed the dealership was not to report late or negative reporting to the bureaus. I am finding out because I am not back on track and in the process of refinancing my home. It seems to be unfair due to my illness with the XXXX XXXX and the pandemic I am being penalized about something that I cant control. I ask to remove the late reporting from XX/XX/2020 so that I may have a chance to refinance my home and move forward during the pandemic
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (OH)

On XX/XX/2021 my posted balance was {$1000.00}. On XX/XX/2021 7 transactions cleared totaling {$250.00} left a posted balance of {$780.00} but they charge me an overdraft fee of {$36.00} for each transaction totaling {$250.00} leaving a posted balance of {$530.00}. 
On XX/XX/2021 They refunded on overdraft fee of {$36.00}. Then at transaction of {$1.00} cleared, then a transaction of {$320.00} cleared, then a transaction of {$760.00} cleared and they charged me a {$36.00} overdraft fee for that transaction because it caused my account to go negative $ XXXX. 

On XX/XX/2021 my account was not negative, but they charged me the late fees. They told me it was because they added up all the pending transactions and it made me negative even though they didn't clear and was just pending. They didn't charge me the fees the following day on the other two transactions. 

Now that BB & T is Truist it's ripping people off. I have been told they will do nothing about it because the computer program makes all the decisions.