davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MI)

Our services with XXXX XXXX were disconnected per our request on XX/XX/XXXX due to consistent poor quality service, and a most recent complete loss of all phone and internet service for a period of 14 days from the period of XX/XX/XXXX through XX/XX/XXXX. We were paid in full through XX/XX/XXXX at the time of cancellation. After repeated attempts to resolve what balance we may owe through XXXX XXXX customer service phone line, and being unable to come to an agreement on that balance, they sent the balance they showed on account into collections ( {$140.00} ). We disputed the balance with the collections company and asked for verification and explanation of how this balance was derived, and they sent us a copy of XXXX most current statement, which only showed the proposed balance, no explanation on how it was derived. On XX/XX/XXXX we paid XXXX directly {$82.00}, which is what we considered to be the remainder of any charges we may owe for the services we received between XX/XX/XXXX - XX/XX/XXXX ( 2 weeks of which we had no service and should receive credit ). The collections agency still shows a balance due of {$56.00}, and despite repeated requests, has not been able to provide us with documentation to show how that balance was derived. I have also been in communication with XXXX XXXX XXXX with XXXX XXXX Relations to attempt to get some clarification on what the true balance may be, and have asked for detailed explanation on how they derived the numbers they have, and I have yet to receive that clarification. We also had a period of several days we were without service during the period of XX/XX/XXXX,XX/XX/XXXX that XXXX is refusing to consider any reimbursement for because their records do not document a problem during that period of time.
Consumer complaint received 2020-09-14
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: EQUIFAX, INC. (FL)

I have sent a total of 4 letters to EQUIFAX, XXXX  and XXXX  regarding student loans on my credit report. The companies listed above have violated my rights under the the FCRA and CARES ACT. 

1. I sent letters disputing the student loan accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 None of my disputes to these accounts have been noted and added to the comment section of my report. This is a violation of section 623 of the FCRA.

2. Per the CARES ACT H.R. 748 ( 116 ) borrowers of Federal student loans were granted a six-month pause on their payments and they were to be listed as on time payments, but the bureaus have 120 day late payments and charge off listed for the months of  XXXX until XXXX of 2020. 


3. The bureaus have different dates listed for the date of last activity, how can this be possible when they are coming from the same data furnisher? This is also a violation.

I have attached proof of my previous correspondence AS WELL AS PROOF OF THE INCONSISTENCIES ' ; BEING REPORTED BELOW.
Consumer complaint received 2018-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MD)

I have an account with PNC Bank. My purse was stolen and it had my debit card, license and other important mail, papers, bank documents which had my pin for my debit card was written on a piece of paper which was inside my purse. I noticed unauthorized charges on my account. I had reported my card stolen and disputed the unauthorized transactions that I did not make. I was given a provisional credit for some of them but not for 3 of them which remain on my account along with several fees related to these charges that I did not make. The unauthorized charges that have not been fixed are as follows : Date-XX/XX/2018- XXXX XXXX in the amount of {$100.00} Date-XX/XX/2018- XXXX XXXX in the amount of {$100.00} Date-XX/XX/2018- XXXX XXXX in the amount of {$50.00} There are also several fees that I have been charged as a result of these unauthorized transactions. 
I have spoke to pnc bank several times regarding this and the last person I spoke with assured me that they would get this resolved. Then I received a letter in the mail stating that they found no error in the dispute. So I called pnc back and they told me they were going to redispute these charges for me that I did not make. but they didn't do that and my account still has these charges on it along with several fees including overdraft fees related to these transactions. I would like my account to be fixed but they still have not fixed it by removing the unauthorized charges and all of the fees that I have and are still being charged for related to this.
Consumer complaint received 2020-04-27
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. (UT)

The Credit bureaus are reporting inaccurate information & have not fixed it yet ... They are reporting 2 erroneous accounts for XXXX XXXX XXXX XXXX ... XXXX & XXXX - They are double reporting, we only had one account with them and they are reporting 2.
Consumer complaint received 2020-01-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have sent multiple letters to XXXX, experian, XXXX  and have also disputed this collection account by the name of XXXX XXXX online and have not been able to delete this account which i have no knowledge of or no contract with. This account XXXX XXXX has multiple errors reporting as well which ive stated to them before
Consumer complaint received 2020-06-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX/XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Show Details | View your Report | View your credit score all ftc violations
Consumer complaint received 2018-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

I make my payments bi-monthly {$500.00} every two weeks and then I also try to pay an additional {$100.00} each month. Wells Fargo puts the money in an un-applied account and does not post the money correctly each month. This money should be going on the loan so it reduces my interest long term. 
Wells Fargo said the only way they can post the money correctly is to have them automatically take the money from my bank account bi monthly. This does not seem acceptable to me. What is the difference between me paying bi monthly and them taking the money? I don't want to give the bank access to my bank account, plus I don't feel I should have to do so. All I am asking is that Wells Fargo apply my payments properly. 
As of today XX/XX/XXXX I have {$1100.00} sitting in unapplied and my next payment isn't due until XX/XX/XXXX. Why isn't this money on my balance? 

Loan XXXX loan is under my Previous last name XXXX XXXX XXXX Thank you, XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2017-08-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Lexington Consumer Advocacy, LLC (TN)

I called   XXXX   XXXX   XXXX   (   XXXX   ) back in  XXXX  2016 because I needed some money get my car fixed. I received the money and was paying the loan off but another problem can up and I did it again.
Every time I would get the loan paid off something else would go wrong. The problem is the interest rate seem to go up. After months of this I called to see why the interet was going up. I was told that is the the new rate.
I was listening the radio and hear about this company Lexington Consumer Advocacy that could help me with this problem. They would contact them and get them to stop the over charges.
They told me that they where the company to get them off my back. The person I spoke to was  XXXX  at (  XXXX  ext   XXXX   ext  XXXX  ). he sent me the paper work at I needed to sign to get things started ( all paper work included ). I was told that they some legal people on staff to help if I needed help. I would also receive information sent to me to keep me informed on how things where going. after four ( 4 ) months had gone by and I still had not got any paper work. I paid them {$140.00} on the first payment and for the next ( 6 ) moths the payments would be {$120.00}.
I have also filed a complaint with a company called consumer action two weeks ago have not heard from them either. (   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   CA  XXXX   XXXX  I still have not gotten any response from them. They call if they do n't get there payment on time. I am sending all the information on both companies. There are several pages.
  XXXX   XXXX   XXXX
Consumer complaint received 2020-09-14
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6200.00}. 
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. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

-- PERSONAL ACCOUNT -- 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account.
Consumer complaint received 2018-07-11
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: General Motors Financial Company, Inc. (IL)

I recognized that XXXX XXXX submitted unauthorized inquiries on my credit for financing 16 times on XXXX XXXX. 

XXXX is one of the companies that was solicited. 
I contacted XXXX XXXX and spoke with XXXX who identified himself as the Manager. 
He refused to help. 

It is very unfair that they did that. They lowered my credit score by 200 points.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On  XXXX   XXXX ,   XXXX  , I called TransUnion to dispute the inquiry on my credit report. When speaking to  one  of Transunion 's employee 's, I was informed that the inquiry would be coming off my credit report in  XXXX  so there was no further action needed. It is very unprofessional to ask someone to wait to have inaccurate information on their credit report just because it will be removed in a few months. On  XXXX   XXXX ,   XXXX  , I sent a certified letter to Transunion asking to remove an inquiry on my credit report as I have not requested the company to run my credit. I received an updated copy of my credit report on  XXXX / XXXX /  XXXX   which is still showing the inquiry.
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX Late Payment XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

I am a small businessman fixing AC and Heating systems. 

I use PayPal merchant services to receive payments from customers. 

On XX/XX/21, I received {$3700.00} from a customer. Pay Pal charged me {$130.00} as a fee. Then they charged a further {$10.00} to instantly transfer the balance of {$3500.00} to my bank.

But they also held {$230.00} for 21 days. They claim that is their policy.

I believe this is illegal or at minimum an immoral practice.

I seek your advice please.
Consumer complaint received 2021-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (MD)

I purchased a vehicle through XXXX XXXX under the finance company of JP Morgan Chase Bank and when I went to XXXX XXXX to start auto payments I was redirected to Chase Bank to set up the account. I set up a password and user ID. Now, I have been locked out of the account and am unable to view any withdrawals. I have tried to contact Chase Bank with no response. When I try to change my password I am told that my account is not valid. I have talked with general management with XXXX XXXX and am told that there is nothing they can do, I have to talk to chase. Chase is withdrawing money from my account but it is not being applied to my car note.
Consumer complaint received 2020-08-19
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. (OH)

This is my second request regarding fraudulent accounts on my credit report that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report : XXXX  # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: R & B Corporation of Virginia (SC)

Looking through my report and noticed there are some accounts that don't belong to me. This is an act of fraud and the following accounts need to be removed from my credit report. 
XXXX/XXXX  # XXXX CREDIT CONTROL CORP # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-06-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX keeps making threatening, repetitive calls with abusive, profane language. Swearing to sue me, destroy my credit and have me thrown in jail, because of the credit card amount I owe them.
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

When I noticed there was fraud on my account I went in to change cards at which time I believe my whole account total balance was not transferred into my new account. Attached are receipts and bank deposits that dont coincide with the bank records as well as the balance to account is never credited nor recorded in deposits. I went in another time to make aware and was threatened to be removed from the building for bringing it up by XXXX.
Consumer complaint received 2021-03-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Possible Financial Inc (FL)

I had a loan at one point with possible finance and I was a victim of identity theft. So at some point this company wasnt getting paid their installments. I informed the company of this and paid the account of for deletion. For whatever reasons their stilll reporting it. Even though, XXXX  and XXXX  has deleted the account XXXX  is still reporting. Ive also attached proof of deletion below
Consumer complaint received 2018-02-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (PA)

Woke up to an overdrawn bank account on the morning of XX/XX/XXXX. As it turns out Coinbase double charged my account {$1000.00} plus an {$8.00} ISA Fee late at night on XX/XX/XXXX. My last successful transaction was XX/XX/XXXX for {$1000.00}, which leads me to believe this is a double charge. This problem has affected numerous people internationally, and Coinbase support has been non-responsive. Last night they blamed XXXX for this issue while this morning XXXX has come out and said this issue is on Coinbase. It seems no one has had any succesful communication with Coinbase Support, and their social media accounts are only replying with cookie-cutter responses. I fear this may be a scam or hack.
Consumer complaint received 2021-02-22
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. (TX)

On XX/XX/XXXX, XXXX have submitted several requests to Experian on how they " verified '' my dispute with XXXXXXXX XXXX  XXXX. Each time I have asked for documents on " how '' did they verify the account in question and seeking validation not just a reply with account has been verified but no documents to show proof.
Consumer complaint received 2023-01-28
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: Experian Information Solutions Inc. (TX)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (FL)

Hello, Theres an inquiry reporting on my credit thats unauthorized. I never applied for credit with this company. I was a victim of theft, Im asking for a removal of this inqiry from my credit report. ONE MAIN FINANCIAL XX/XX/23.
Consumer complaint received 2023-04-04
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. (OH)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2020-06-27
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. (GA)

I submitted a complaint about an error with XXXX XXXX balance not being correct on my report. I submitted paid in full receipt from company. Experian reports back that the item disputed remains and that the company verified that it is correct. I received this report back onXX/XX/XXXX.