davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX -Date of inquiry XX/XX/2021
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/2018 I disputed with XXXX  XXXX, and XXXX on Santander Consumer USA, Account number : XXXX. FCRA XXXX and FDCPA XXXX ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. This is violations of both FCRA and FDCPA.
Consumer complaint received 2022-02-17
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: LEXISNEXIS (MS)

I've continuously been sending letters to XXXX LEXIS NEXIS on XXXX the XXXX, XX/XX/XXXX, XX/XX/XXXX Same for XXXX, XXXX and XXXX. 
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Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I attempted to extend myself a credit card through XXXX XXXX followed by XXXX XXXX. They both denied me due to incorrect information supplied to them unlawfully from the Credit Bureaus ( XXXX, XXXX, Transunion, XXXX XXXX ). During times like these i should be able to use my own credit to take care of personal essential needs for survival. I contacted the bureaus weeks ago and got no response at all for help in fixing these issues.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2018-11-27
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

I paid all balances for XXXX XXXX before moving to XXXX XXXX, including {$100.00} cleaning fee. 
I did not receive the mail keys for XXXX XXXX until last week. 

Last week after picking up the keys, I found a letter from collections for {$150.00} balance. 
The company called me twice and threatened to report this to credit agencies. 
I requested one day to provide proof of payment as the XXXX court office is closed today.

The denied, responded rudely and insisted that I pay immediately and will be put on hold until I make the payment. I requested that I will call them after 1 hour after my meeting. they refused and did not allow anytime and wanted immediate payment. I made the payment and felt this is extortion. This is extremely stressful, disrespectful and intrusive to my work. 

I left work to talk to XXXX court office but the office is closed.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

The Credit reporting agencies are preventing me from obtaining any credit whatsoever by not furnishing an accurate credit score. With this, I can not build a credit history. XXXX for example, when I go onto their site, check my score and they show can not be shown. However when I go to the score tracking they have it shows a score XXXX as of XXXX XXXX shows me to have a score of XXXX ( via XXXX XXXX ) and XXXX a score of XXXX. I do have a credit monitoring service and all my reports are good to exceptional with the exception of History. Yet, these agencies are not accurately showing lenders my score. These Hard Inquiries are hitting my credit report in a very negative way. I got a pre-approved credit card offer with a credit line of {$500.00}. Good to start with, so after I gave them all my information, they DENIED ME because of the misinformation XXXX provided them. After reviewing my reports, there is absolutely no reason for denial. So this is an unfair practice. And with all these Hard Inquiries, it looks bad on my report and furthers the denial decisions! I told them to take them off, and they refused. Companies like this has a very adverse effect. I apply for a loan or a credit card knowing I have the funds to pay off AND Sill I'm denied. This is totally unfair! Also, XXXX made a grave error by giving XXXX XXXX my score as being XXXX instead of the XXXX in which I have.
Consumer complaint received 2023-02-07
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My discrepancy is with Capital One! This happened last night on the date of XX/XX/2023. I applied for a credit card with Capital One after seeing it suggested for recommending cards on XXXX XXXX XXXX. They promoted XXXX XXXX inquiries and it being just a soft pull but soon as I applied I received a bunch of emails about this specific company doing a hard inquiry on my credit which automatically dropped it several points. This is false advertising and negligence. This is not right. I would have never applied if they advertised the truth and said you must get hard inquiry for this
Consumer complaint received 2022-02-16
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-02-05
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)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Account XXXX XXXX Account # XXXX Date Opened : XX/XX/2017 High Credit : {$1000.00}
Consumer complaint received 2022-02-16
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I received a {$1500.00} check for a second-hand goods, after I deposited the check in the Bank of America which is located in XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Later I don't want to sell the goods for some reason. After 20 minutes, I went back to the bank. I told the bank employee standing at the front desk to cancel the check, but he told me that the check can't be cancelled due to it's scanned. I asked him if it means I got the money once the check is deposited to my account. I double checked with him if there is any risk for me to lose the money. He said you are covered and you got the money since the check can not be reversed now. He failed to explain to me there could be an empty check. 
So until the next day, on XX/XX/XXXX, I found the money of check is posted to my account, I believe it's safe because I have double confirmed with the bank employee. The buyer provided the XXXX account to me, so I return {$900.00} and {$600.00} to XXXX via XXXX  transfer. 

On XX/XX/XXXX, I found the bank charged me {$1500.00}, they explained that they didn't get money from XXXX XXXX because the previous check is empty. I am astonished that the employee ever told me that my money is safe if the money of check is posted on my account. 

Without the bank employee 's confirmation, I would never have XXXX  transfer the refunded amount.I planned to return the check to the buyer.But I trusted the bank employee that it's my money when the check money is posted on my account. 

And if the check is empty, why the money is posted on my account the next day. 

So it caused me {$1500.00} money loss because the bank delivered the wrong information. I have to ask your help to get my money back.
Consumer complaint received 2018-11-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

This company has indicating that paying them would stop the damage to my credit. This can also be taken as a threat to further damage my credit. This is very deceptive. 
This occurred in emails exchanged with company representatives on XX/XX/2018. They are using deceptive collection practices to convince me to pay a debt that I do not believe is fair and owed.
Consumer complaint received 2021-11-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc (WI)

On or about XX/XX/2021, I applied for a Chime account. During the process I received a message that I already have an account and that I should please sign in with your email XXXX That is not an email account I ever created or use. 

I contacted Chime by email since I couldn't get through to a live person due to there meu system that doesn't allow a non-customer to talk to a person. Several emails were exchanged in some with copies of my XXXX Driver License and Social Security card which they requested. I never heard back from them as to a disposition of the matter. 

I contacted XXXX Bank who services their accounts and described the problem. They stated they could only access the information regarding this account if I could provide them with the account number. Since I did not open the account and it is not my account, I obviously could not provide them with the account number. 

So at this point someone has a financial account with Chime and their servicing bank under my Social Security number and presumably my name and there is nothing either Chime or XXXX Bank will do about this.
Consumer complaint received 2018-05-24
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. (IL)

XXXX XXXX has repeatedly failed to delete old accounts on my Credit Report such as XXXX XXXX  that is over 7 years old and was first reported as delinquent in XX/XX/XXXX. They also have listed the same accounts multiple times. I have two loans with XXXX XXXX but on a recent inquiry that listed the accounts 4x each. The inquiry was on XX/XX/XXXX at XXXX XXXX. They have also listed XXXX XXXX as an adverse account when it was in fact paid in full by XXXX XXXX in XX/XX/XXXX. That account also needs to be deleted.
Consumer complaint received 2018-11-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/18, while on the banking website, saw an offer to switch the checking account to a Cashback Rewards Checking account. Followed the steps to do so and received the following error : We are unable to complete your request. The system is currently unavailable. We apologize for the inconvenience. Please try again later. 
I called USAA and they opened a web support ticket to inquire why I was unable to process the request when the banking agents confirmed there were no issues they could see that was creating the hassle. 
I followed up with agents on XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, and was consistently informed web support was still working on the issue, keeping me on hold while the agents tried to find out more information, calls being disconnected after extensive holds. I did receive a voice mail on XX/XX/XXXX from a XXXX in web support asking me to call back USAA. When I did on XX/XX/XXXX, I spoke with XXXX, and after the extensive hold and the call disconnected, I had not followed up since, waiting for another voice mail update. 
I called today, XX/XX/XXXX, having received no further voice mails and still receiving the same error message on the banking website. I was informed by XXXX, in web support, that the ticket had been closed XX/XX/18 and he would need to open a new one. 
I've been told the banking agents themselves are unable to process the request to change to the Rewards account, that only clients can initiate and complete the request/transfer.
Consumer complaint received 2023-03-28
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. (TX)

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a XXXX  Follow-Up Letter ( XX/XX/XXXX ), and a XXXX  Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ). In total, I have sent XXXX letters asking for a correction to my credit report. 
To date, I have had to dispute incorrect medical collections along with inquiries that are not mine XXXX times. On different occasions, I have received responses from all three credit bureaus with confirmation of these medical collections being removed/deleted from my credit report.

The medical collections are the following : XXXX. XXXX XXXX with account number XXXX for the original creditor " XXXXXXXX XXXX XXXX XXXXXXXX '' for the original amount of {$260.00}. This medical collection was removed/deleted in XX/XX/XXXX. I have attached supporting evidence to show this medical collection has been deleted. On XX/XX/XXXX, the medical collection that was previously with XXXX XXXX with account number XXXX for the original creditor " XXXX XXXX XXXX XXXXXXXX '' for the original amount of {$260.00} was sold to XXXX XXXX XXXX XXXX XXXX, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX. 
XXXX. XXXX XXXX XXXXXXXX with Account Number XXXX for the original creditor " XXXX XXXXXXXX XXXX '' for the original amount of {$220.00}. This medical collection was removed/deleted in XX/XX/XXXX. On XX/XX/XXXX, the medical collection that was previously with XXXX XXXX XXXXXXXX with account number XXXX for the original creditor " XXXX XXXXXXXX XXXX '' for the original amount of {$220.00} was sold to XXXX XXXX XXXX XXXX XXXX, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX. 

The inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AZ)

Hi, Wells Fargo incorrectly reported my payment status in XX/XX/XXXX, and again in XX/XX/XXXX. They are reporting my payment as 30 days late, when I paid my XX/XX/XXXX mortgage on XX/XX/XXXX, and I paid my XX/XX/XXXX payment on XXXX, and Wells Fargo reported both payments as 30 days late, my mortgage is due on the XXXX, so by normal math mother payment was 30 days late. I called wells Fargo in XXXX to dispute the XX/XX/XXXX report, as I'm trying to secure an equity loan, and they came back and it was reported correctly, even though they confirmed and my bank account reflects the payment being made prior to being 30 days late. I'm now afraid to dispute the XX/XX/XXXX report because they put comments on my credit report that I disagree. I need help, their inaccurate reporting is messing with my credit and my ability to secure an equity loan.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I Sent a letter off on XX/XX/2022. With tracking number. To remove personnel information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681.I have the right to privacy. Also, according to 15 USC 6802, No financial is not supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-02-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WA)

On XXXX XXXX I received a messaged from Coinbase Dept. that someone tried to access my account to a diff. loc. I called them to lock my acct. I spoke to XXXX and told her what's happening and I was told it was already locked. And she asked me the account balance in my account and I told her {$13000.00} and she verified that amount. She said I needed to wait 24-48 hours to activate my account. So XXXX XXXX I called Coinbase again and talked to XXXX and I told him what happened and I need to retrieve my account so she assisted me to do it. He asked me to download my ID I was hesitant to do it but I can't get thru the process without downloading and taking a picture of myself on the spot thru my phone. After all those things I was told to give it a 48 hrs. before assessing my account. XXXX XXXX First time I accessed my account after what happened and I was surprised the balanced was only {$6000.00} instead of XXXX. Called my Coinbase support called XXXX but was cut off in the mid of conversations. Called again and talked to XXXX and he said he'll transfer me to someone who can see my account. I was transferred to XXXX XXXX and I told him the whole story and he told me he will transfer it to Safety Dept so they will escalate the process and rest assured that they are going to work with my case and will be refunding. But up to now they don't give me an update I e-mailed him since he told me to communicate with them thru mail. I called them but they all just give me a runaround. I filed a police report. I already sent them a certified mail but until now I don't receive any response. I can't withdraw the remaining balance since they said before they restricted any movement on the account. I want my remaining balance back because I don't trust this company anymore. I have all the supporting papers if you need me to upload it. Please I need your assistance. 

Thank You so much in advanced, XXXX XXXX Coinbase XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SUNTRUST BANKS, INC. (FL)

Suntrust refused to honor a stop payment and in doing so, hundreds of dollars in overdraft and NFS fees accrued. 

The bank refuses to acknowledge their error and refund the fees. 

I am only asking for the refund of fees lost due to their error. 

Thank you XXXX XXXX, DDS