davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NC)

My FICO score has dropped substantially over the past three months. I see it on my XXXX XXXX statement. I caught it this month XXXX XXXX XXXX. I confirmed that XXXX has not reported me as past due today, XX/XX/XXXX. After they'd confirmed it wasn't them, I went to the XXXX  website to put a fraud alert on my account and reviewed my credit report to learn that Ally Financial had reported a 90 day delinquency in XXXX of XXXX. I had a car loan with Ally and paid it off approximately 2 years ago and received the title to the car. I contacted Ally and their solution was to file a dispute with XXXX which they informed me will take up to 45 days to clear then I will have to clear it with the other credit agencies. I am floored that I have to risk higher interest rates and possible denial of loans for the next 45 days when it was their error and they didn't try to explain to me what caused their error. Their solution for their mistake is NOT acceptable and it leaves me wondering how many other people have had to deal with this.
Consumer complaint received 2018-02-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. ()

I have a COINBASE account in which I transferred XXXX from my bank account directly to their XXXX bank account ( details as provided by the coinbase app payment screen ). This was over 3 wks ago ( XXXX XX/XX/2018 ). 

The bank has confirmed that the money left my account and went across. 
The money should go into my coinbase account and should clear in 2-5 working days. However it still does not show and COINBASE are refusing to respond to my queries or look into the matter. I have sent 3 or 4 emails over the last few weeks to little response. They sent me a holding reply 2wks ago saying they will look into the matter ( a one liner ), but have not yet done anything about it. I am now down XXXX and a XXXX bank charge. 
Coinbase are supposed to provide crypto currency services but all they have done so far is stolen my money.
Consumer complaint received 2020-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MD)

I contacted XXXX XXXX  XXXX in regards to establishing new service. I was advised by XXXX XXXX XXXX that I needed to pay them ( they gave me a list of means to do so ) before future service could be offered to me. 

I immediately paid XXXX XXXX XXXX. Come to find out - another company by the name of Transworld Systems is/has been reporting this account to the credit bureaus.
Consumer complaint received 2022-04-29
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. (CT)

The credit bureaus stated my accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is not accurate, and the date last reporting is not accurate? This is grounds for removal. They also violated my rights under 15-USC1681 602 ( a ) states I have a right to privacy.. 15USC 1681604 ( a ) It states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-04-13
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (FL)

Transworld continues to hurt my credit by saying my private student loan is in active collections. This account, originally owned by XXXX XXXX XXXX and XXXX XXXX, was included on my XXXX XXXX  XXXX XXXX XXXX. The original lender was contacted regarding my XXXX  XXXX petition, and they never responded or took me to court for payment. The judge and court XXXX and closed my case. No other lender has done this. All the other accounts that were included in my petition have been closed and say " discharged in bankruptcy '' since XXXX. Transworld reports this account as new, and active, which is FALSE.
Consumer complaint received 2019-09-16
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: JPMORGAN CHASE & CO. (OH)

The amazon prime credit card ( provided by chase ) will sometimes offer financing ( provided by amazon ) for items on amazon.com. 

I purchased a laptop to run engineering simulations on and after a tremendous amount of work to get it ready, placed it in my lab at the XXXX XXXX University. 

When I go to pay my bill I see I am charged the full amount ( ~ {$1000.00} ) on my amazon prime credit card. 

I asked amazon about it and they were unable to do anything about it but agreed to escalate to someone who can. I did not hear back from them so I called this morning and an honest employee said that they will not switch over to a payment plan for me. I was able to verify that I had selected the payment plan option, and they acknowledged that it is a somewhat common issue. 

This is a massive problem. Amazon shouldn't be able to control sales, shipping, financing so they can offer deals and welch on them with 0 protection for the consumer.
Consumer complaint received 2019-09-16
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. (IL)

Experian is reporting a fraudulent collection account on my credit report with XXXX XXXX ( XXXX ). I have never had a XXXX account nor authorized any transaction with XXXX. I disputed this account in XXXX, 2019 and it was deleted XX/XX/2019 however Experian reinserted this account. I was never notified by writing pursuant to FCRA section 611 that this deleted fraudulant account would be reinserted to my credit report which is a violation of my consumer rights. I am starting to believe Experian is intentionally being noncompliant and negligent and if this matter is not resolved expeditioulsy I will be filing a civil lawsuit as my next and final step.
Consumer complaint received 2019-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (GA)

The Regions Bank Branch in XXXX, GA has been stealing funds from bank members. Most recently I was charged another overdraft fee and didnt opt in for Overdraft coverage. Im also not being refunded authorization charges. The authorization at XXXX where changed XXXX to prevent a refund. The order numbers are XXXX,XXXX,XXXX,XXXX. This also happened at the XXXX XXXX with a charge of XXXX Made XX/XX/2019 that was never refunded. Also at the ATM they grayed out ATM withdrawal and check cashing options and didnt allow it to be processed.I have had atm issues before I was recently short changed. They might also be monitoring bank account balances trying to contact employers as well.
Consumer complaint received 2018-10-21
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. (WA)

Company- XXXX XXXX. Account. XXXX. XX/XX/2015. They are reporting on my credit report a negative and inaccurate account I have know idea why its on my credit report. Please have them remove this negative item that is ruining my credit score and life or I will take immediate legal action on their behalf. I would like for CFPB to do a thorough investigation towards this company. Thank you
Consumer complaint received 2023-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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
Consumer complaint received 2019-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (MN)

Reached out to sunrise collection services a little over 45 days ago asked to set up a payment plan and discussed it with an agent About splitting it into two payments I asked for written verification of my dad and written payment plan never received
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2022-08-28
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and US Bankruptcy Court have 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 an account without my written instructions 15 U.S.C 1681b : Permissible purposes of consumer reports
Consumer complaint received 2022-08-28
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX 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 an 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.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX, has violeted my rights. 
15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 a section 2 : it also state consumer reporting agency can not furnish account without 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.
Consumer complaint received 2022-08-16
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. (FL)

For the last XXXX months, I have been sending certified letters in regards to the XXXX XXXX and XXXX XXXX to all three bureaus, Experian XXXX XXXX XXXX and XXXX XXXX I have sent multiple letters in regards to a filing error that I noticed on my credit report. According to the FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

There is a clear discrepancy between all three bureaus in the payment history. XXXX is reporting a 30-day late, for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX while XXXX and Experian reporting an on-time payment. XXXX payment history is also incomplete. The dates for 30-day and 60-day are not consistent throughout all three bureaus.

I will attach the letters that I have mailed out, as well as screenshots of my credit reports. 

I am demanding that all payments are updated to paid-as agreed, as the payment history is not consistent. I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge.
Consumer complaint received 2023-11-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (CA)

Bank transfer payment : XX/XX/XXXX XXXX XXXX XXXX Amount : {$1600.00} Receipt # XXXX Actions taken : I provided all required documents requested from XXXX. XXXX responded back and said nothing else was needed. The funds cleared my client 's bank through an XXXX transfer, on my dashboard it read funds would be available in 3 days. That period passed only to get notified that my account was deactivated for no reason and that my funds were being held for 90 days. 

Bank transfer payment : XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX Amount : {$30000.00} Receipt # XXXX Actions taken : I provided all required documents requested from XXXX. XXXX responded back and said nothing else was needed. The funds cleared my client 's bank through an XXXX transfer, on my dashboard it read funds would be available in 3 days. That period passed only to get notified that my account was deactivated for no reason and that my funds were being held for 90 days. 

Bank transfer payment : XX/XX/23 @ XXXX XXXX XXXX : {$30000.00} Receipt # XXXX Actions taken : I provided all required documents requested from XXXX. XXXX responded back and said nothing else was needed. The funds cleared my client 's bank through an XXXX transfer, on my dashboard it read funds would be available in 3 days. That period passed only to get notified that my account was deactivated for no reason and that my funds were being held for 90 days.
Consumer complaint received 2022-08-28
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: Affirm Holdings, Inc (IL)

In accordance with the fair credit Reporting act XXXX acct XXXX has violated my rights. 
15 USC1681 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't furnish an 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
Consumer complaint received 2022-08-28
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX have repeatedly called my job giving my coworkers information regarding a loan i owe them & providing information that should be private. 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
Consumer complaint received 2023-11-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NJ)

On XX/XX/2023 {$2400.00} was taken from my cash app account fraudulently. On XX/XX/2023 another {$2400.00} was taken without me knowing again. Leaving my account in the negative. After disputing both transactions, cash app refunded the first XXXX which reflected in my already negative account. They then claimed that the second transaction wasnt fraudulent and has never returned the money owed to me. I trusted cash app as I didnt have a bank at the time for me to receive my student refund check. I am now a struggling college student.
Consumer complaint received 2022-08-16
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2022 I reported to Huntington bank that I was scammed through XXXX for {$560.00}. After calling in and being transferred to the digital department, I explained the incident to the lady who was very nice and a soured me they would look into it. I then informed her that I had documentation ( a text transcript of the scam ) but she said that they did need it because XXXX cases are pretty open and shut but if they did they would send a letter requesting it. She then provided me with a case number # XXXX and that was it. I waited about a week then I received a letter saying basically they werent going to refund the money. Which I believe isnt fair because they never reviewed the text proof that I had of this being a scam so now Im out {$560.00}.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have Loan With Capital One Finance. I pay them before time but they are reporting accurate remains balance and last two months also was not reported to credit Bureau. 
i did sent them letter on XX/XX/2021 but they last reported again with 3 credit bureaus with incorrect balance and missing moths of payments
Consumer complaint received 2020-09-15
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.
Consumer complaint received 2018-10-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/18, opened two accounts, one savings, one checking at Chase bank branch in Washignton, DC. At time of opening, a new account bonus code was provided, which banker said was invalid. Banker advised that I could obtain a new code, provide it within 10 days, and it would be no problem to apply it to the account. The code offers a financial incentive if certain conditions are met. On XX/XX/18, provided via email a new bonus code and was advised on XX/XX/18 by banker code was invalid. Upon review, I noticed a typographical error in the emailed bonus code and immediately replied to banker with the correct code and the photo of the code. To date, I have not received a response.
Consumer complaint received 2022-08-16
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. (GA)

Equifax This company is still violating my rights. 
15usc1681a ( 3 ) ( 4 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information.

There is a need to insure that consumer reporting agencies exercise their grave responsibility, with fairness, impartiality, and respect for the consumer 's right to privacy.

15usc1681b ( 2 ) in accordance with the written instructions of the consumer to whom it relates never gave permission or consent to do this. 
I never gave permission or consent to do this. I've been treated unfair -partial and did not respect my right to privacy.