davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Assured Financial Partners (OH)

This company has been harassing me and my relatives about a debt that I can not verify from 2006. They claim to have sent 40 letters to me, but I have not received anything. Now they claim that the only course of action is that I pay by the end of the month or face legal action. Additionally, they have made harassing phone calls to my family about said legal actions. They are also claiming to be a third party to the actual debt collector who they will not name other than " their client ''. Finally, they also threatened to have my wages garnished by the IRS.
Consumer complaint received 2021-12-02
Product: Mortgage — FHA mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error for the purpose of this section a billing error consist of any of the following ; ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
There was no statement received 21 days before the allege debt was due. This alleged debt is showing as a positive form and amounts owed can only be displayed in a negative format not positive so there should be no late payments on this accounts. I demand to see hard solid proof from the creditors bank account that I did not pay and was marked late because this clearly a billing error. This is a Violation of the Law pursuant 15 USC Code 1666b under Truth and Lending. 
As a consumer by law this account on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, I have already involved and sent this letter to the Complaint portal for State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission
Consumer complaint received 2020-01-28
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: ID Analytics, Inc. (MI)

I have gone online twice to obtain a copy of my credit score and consumer report with SageStream credit reporting through their online portal. I have sent all the necessary documentation they have requested and have received nothing. On XX/XX/2020 I attempted to call on the phone and got a recording and they wanted me to leave a message. 

How does a credit reporting agency that controls such an important part of a persons life not be available to answer calls? Never even heard of SageStream until 2 months ago.
Consumer complaint received 2024-02-28
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. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion THIS IS A FACTUAL DISPUTE you have collections showing that are only shown by you XXXX AND XXXX SHOW NO COLLECTIONS please update your reportingand remove all collections because you are reporting wrong information documents enclose as proof
Consumer complaint received 2021-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NE)

i have a Coinbase XXXX  account and in it was a balance to use for trading, selling, buying. Beginning XXXX 2021 I had a XXXX balance showing to use by Coinbase. all the sudden since XX/XX/2021, I have received emails stating I was unable to cash out any of the balance and owed. so, I waited, but needed to add more since the amount showed was unusable and added on XX/XX/2021, my own bank transfer of XXXX  since I was unable to use or cash out on the XXXX balance showing. I agreed to have Coinbase take what was theirs, and they instead took XXXX  total within 7 days and said I owed them that, i have emailed through the form online to have fixed and no response. my concern is the inability to use the original amount XXXX total, as if it was unaccounted for and they were not truthful and had used fake figures to take my money and not pay out my account when asked. plus, prior to the XXXX which i rightfully did not have on the owed amount of XXXX, I was seeing a lot of error try again later on the platform Coinbase uses, they took this as well. also, locked out for no reason or measure. I feel like i was frauded and stolen from. I just want the money i deposited and gained from Coinbase stock trades, refunded and the company to be exposed for fraudulently giving my money a false hope gain and their cash in and outr as willed figure be paid to me at my own time. like stated.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help me I also feel like these companies on my credit report have violated some of my rights 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts These items have cause such trouble in my life I just want them gone Im seeking litigation for a few of the accounts as well
Consumer complaint received 2020-01-28
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: EQUIFAX, INC. (FL)

I applied for XXXX savings account. Acc. to them, I have placed a security/fraud alert with Equifax that is still active. Therefore, they state, they could not verify my identity and denied the application ( for a savings account of all things ). I contacted Equifax to inquire about such fraud alert or security freeze. A rep named XXXX at their XXXX location picked up the phone after 45 minutes of waiting time. XXXX 's XXXX wasn't very good. She asked about 7 security questions to which I provided the answers while looking at my online statements with the different creditors. As I became frustrated with the excessive " process, '' XXXX became hostile. She then told me that I have failed the security " process '' and she can't give me the answer about the alleged fraud alert. And there is nothing I can do, she added. I asked to speak to her supervisor. Supervisor XXXX came to the phone, ID # XXXX ( after much questioning ) -- acc. to XXXX, there is nothing she can do and I must write to several locations of Equifax to ask them about the security alert. I told her that XXXX must have inserted the incorrect information or must be dishonest about me failing their " procedure. '' XXXX was unable to explain to me the " procedure. '' ALL IN ALL, IT TOOK ONE HOUR AND 57 MINUTES. WHAT A MONUMENTAL WASTE OF TIME. I ALSO TRIED TO RESOLVE ONLINE THE ISSUE OF POSSIBLE ( AND UNAUTHORIZED ) SECURITY ALERT. XXXX AND/OR XXXX HAVE MADE SURE TO BLOCK MY ACCESS. 

PLEASE CONTACT EQUIFAX ON MY BEHALF AND ASK THEM TO REMOVE ANY ALERT OR FREEZE THAT MAY EXIST ON MY FILE. I DON'T RECALL EVER PLACING SUCH ALERT/FREEZE. 

I ALSO WOULD LIKE TO OPT FROM REPORTING WITH EQUIFAX GIVEN THE DISHONEST AND UNPROFESSIONAL CONSUMER SERVICE. 

I APPRECIATE YOUR KIND ASSISTANCE WITH THIS URGENT MATTER. 
THANK YOU, XXXX XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

I am seeing XXXX XXXX XXXX/CHARGEOFF section in my credit report. 
I have no clue about this and not physically present in USA at the time of account open as per their information.
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (CA)

Purchased XXXX  XXXX  through Best Buy .com and paid with a Best Buy credit card. I only received XXXX XXXX. I have called XXXX and they confirmed someone else has been using and activated the lost XXXX with a different XXXX ID. Per XXXX they advised this item over XXXX should have had a signature required request for delivery. If someone stole this XXXX prior to reaching my hands by law I am or not legally bonded to pay for this item. I demand that Best Buy send me the item I paid for or reimburse my credit card for fees plus interested.
Consumer complaint received 2021-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VALLEY NATIONAL BANCORP (OH)

I have a mortgage through Valley national bank. I've been making payments online for the last XXXX years. I tried making a payment about XXXX  months ago and received an error basically letting me know that I could have made my payment online. I called in and they weren't able to tell me why I couldn't make my payment online. So for the last XXXX months at this point I've been calling in to make a payment because I can't make them online anymore. Today I try to make my payment because it's due... .my payments have never ever been late and when I called in to customer service the customer service representative said that her manager told her that she couldn't take my payment. This is odd to me because I've always made payments with the company and since I've not been able to make them online I've been calling in to make the payments. They would not help me. I am uncertain of how to get this resolved as when you call in, you have to wait for at least XXXX minutes to speak with someone. I am simply trying to make a payment. They have made changes to my payment processing and failed to notify me. It is as if they are trying to make me payment late.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have an auto lease with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Account : XXXX XXXX XXXX XXXX Date opened XX/XX/2017 Balance {$7000.00}.
Consumer complaint received 2015-06-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

Hello, My name is XXXX XXXX, I ordered a ChexSystem report about a week ago because I can not open a bank account. Back in 2010 I had an account with XXXX XXXX XXXX, they closed my account due to a bad check. I wrote them numerous letters, but they never replied. 5 years later I 'm still unable to open an account. Once I received my ChexSystem report it stated that I tried opening numerous bank account in states that I have never been before. I just need to get a clear understanding of whats going on, and what should I do.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One has checked my credit every month for one ( 1 ) year. I never authorized Capital One to check my credit nor have I applied for credit with them. My personal information was obtained illegally and with this, my social security number was compromised and XXXX and XXXX accounts were applied for with my information. 
Several times I attempted to contact Capital One XXXX and after I tell them what my issue is, I am placed on very long hold and then the representatives disconnect the call.
Consumer complaint received 2020-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America There were pending transactions on my account that I knew the merchant was reversing, and that the funds would never be withdrawn from my account. When I made another transaction, Bank of America accessed Overdraft Protection,  even though the actual balance of my account, as given on their website, never approached XXXX. The Overdraft protection resulted in three {$12.00} fees. They did this on the assumption that all processing transactions would ultimately process, which I knew to be false. Is this legal? I argued with them for some time and their response was that processing transactions are considered actual debits until they receive notice that they have been cancelled. 

This happened two months in a row, the night before my paycheck was automatically deposited.
Consumer complaint received 2022-05-02
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX & XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXXXXXX XXXXXXXX # XXXXXXXX XXXX # XXXXXXXX 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 2018-02-15
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: MONEY SOURCE, INC., THE (FL)

In XX/XX/XXXX when hurricane hit I opted for the 3 month forbearance. Was informed the payments would roll to end of loan and resume normal payments in XX/XX/XXXX. I called to make my payment in XX/XX/XXXX and was told that no that's not an option I had to pay amount in full. When I agreed that that wasn't agreement the stated I had to go through loss litigation now to fix this problem. I was told that it wouldn't be reported to my credit. Well it was. I have called and emailed and every time I get a different answer or no response. I also called to make a payment and they refused to take my payment. I have multiple hours of phone calls and emails begging to get this resolved. I have sold this home and now can't get a mortgage due to this. I have been told per The money source that they have multiple people with the same problem. I have also been told due to fact I have FHA mortgage that the payments can't be added to end. I am at a loss with this company and how to fix this problem and remove this from my credit. It shows 90-120 late with disaster forbearance yet no payments behind. I was told to contact you since I am getting no where with this company.
Consumer complaint received 2021-11-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (NC)

Truist charged me overdraft fees of {$100.00} total on XXXX separate purchases for which I had money in my account to cover. When I called, they claimed that other charges ( which did not even show as pending in my account until today, XX/XX/21, when I received my paycheck ) were responsible. However, I was not charged for these purchases but instead charged for the XXXX purchases for which I had money. I keep my own balance of my account as well as checking my balance daily online to ensure I do not overdraft. Truist only offered to refund {$72.00} of the {$100.00} overdraft fees I was charged as they said their system would not approve more and no one could override it.
Consumer complaint received 2019-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Back on XX/XX/XXXX, I noticed there was an account on my credit report which I did not recognize. It was a collection to XXXX XXXX for {$9000.00}. Upon closer examination of the account, it said XXXX was collecting a Capitol One Credit Card balance for the aforementioned amount. I have never had a Capitol One Credit Card. 

I disputed the account with the credit bureaus because I was sure this was a case of mistaken identity or the account was on my report accidentally. Once I received my results recently I was surprised to see the bureaus had verified that this debt was mine. I know this is impossible because again I have never had a Capitol One Credit Card. Today I attempt to call XXXX XXXX directly and try to reach a collector. Once I get to a collector, they tell me that there is an attorney on file. They won't allow me to speak to them unless I send them a letter in writing saying I am revoking the attorney on file. Because I've never had an attorney, and because I've never had a Capitol One, I know this account is not mine. Unfortunately they don't care. I can't even speak to a collector to get to the bottom of this account unless I revoke an attorney who I have never hired. I also don't want to revoke an attorney for the individual this debt does belong to. It might actually mess him up. I am now asking that you help me in this because at this point, short of suing them, I don't know what to do.
Consumer complaint received 2019-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MD)

I applied for a credit card on XX/XX/2019 at XXXX XXXX XXXX administered by Synchrony Bank. It was approved for only {$250.00}, I requested a credit increase it was denied on XX/XX/XXXX and again on XXXX. They pulled my credit report on XX/XX/2019. I have an excellent credit history and this rejection is unfounded. I questioned the denial and I was told " it was denied '' with no valid rationale.
Consumer complaint received 2023-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NY)

The account that was opened was fraudulent and I have tried to show the The police report and I'd theft .gov papers and the photo of me and my address and they still say it mine and it's not... I'm disappointed in all this to correct something that isn't mine and never was and was never in California
Consumer complaint received 2023-04-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have had 2 Bank of America visa credit cards, both paid & closed in good standing. It mystifies me why not only was my XX/XX/23 AND XX/XX/23 secured card applications denied, my login in account is CONSTANTLY taunted by fresh approvals, as the enclosed document shows, available to upload to ANY agency I deem fit, proving careless treatment of my credit score with wasted inquiries.
Consumer complaint received 2021-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On XXXX XXXX 2021 my credit cards usage went up {$160.00} on XXXX of my credit cards and {$25.00} on another. transunion dropped my score XXXX points. on XXXX the balance on those cards decreased {$330.00} and {$170.00} but my credit score only increased by XXXX points. with no other changes. in my opinion this is a predatory action by transunion. it absolutely makes no sense why my score did not double or even increase by XXXX points if my balances decreased by more than double. after a long conversation with transunion they could not explain why my score did not go up more. they literally could not explain it. can you please advise what a consumer should do in this case.