davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

ATTN : Legal Department I would like the following information deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate .XXXX XXXX XXXX  Closed : XX/XX/XXXXThis is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. As well as The items that appear on my credit report as XXXX XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I have never done any business with this company and I demand a full investigation. I do not recall any payments or anytime timeline of activity ( DOLA ).
Consumer complaint received 2021-06-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cadillac Accounts Receivable Management (PA)

I have been requesting this company to send me written notification for more than 1.5 years now. They keep calling me every month and never send me a written notice. I did acknowledge who I was. With all the identity theft scams going on, providing date of birth or other sensitive information like SSN is not a good practice and expecting this also shows that this company is trying to scam.

I don't have any debt that I know of. Per law, I should have received a written notice within 10 days of first call. Its 1.5 years and I still haven't received one.

Also, this company keeps closing my complaint without providing a resolution.
Consumer complaint received 2023-03-18
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: DISCOVER BANK (CA)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a potential violation of consumer protection laws by Discover Credit Card Bank on XXXX XXXXXXXX  for {$82.00} and XXXX XXXX for {$710.00}. Specifically, I believe that Discover Credit Card Bank has engaged in practices that violate the Fair Credit Billing Act, as well as other relevant consumer protection laws. 

In particular, I have experienced difficulties in disputing charges on my Discover credit card account. Despite following the proper dispute procedures and providing evidence to support my claims, I have been repeatedly denied refunds for unauthorized or incorrect charges. 

Furthermore, I have noticed that Discover Credit Card Bank has failed to provide me with clear and accurate information about my account, including interest rates, fees, and other charges. This has made it difficult for me to manage my finances effectively and to understand the true cost of my credit card use. 

I am concerned that these practices by Discover Credit Card Bank are not only unfair and deceptive but also illegal. I am therefore requesting that the Consumer Financial Protection Bureau investigate these practices and take appropriate action to protect consumers from further harm. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

In XX/XX/XXXX I applied for a auto loan with NFCU for a XXXX XXXX XXXX. I was approved the for the loan in the amount of {$13000.00}. Within 3 weeks, I decided to refinance my loan through XXXX XXXX XXXX for a cheaper interest rate. On XX/XX/XXXX the loan was paid off by XXXX XXXX XXXX in full from the payoff amount provided by Navy Federal Credit Union. I recently applied for a loan ( not NFCU ) and noticed that there were some inaccurate information being reported by NFCU on XX/XX/XXXX to ( XXXX, XXXX, XXXX ). The lender have since reported that the car was purchased in XXXX ( which is inaccurate ), and that I had paid my car payment late for several months ( up to 120 + days ) leaving an account balance of ( {$1800.00} ) which had to be written off. If you review my report from the previous month it shows the account being reported accurate as ( Paid,  closed and never late ). As of XX/XX/XXXX my report is now showing an inaccurate amount, multiple late payments and settled less than the balance which is unacceptable/inaccurate. I am applaud that a company would fraudulently report inaccurate information that has now caused me to receive credit denials for loans when the information is incorrect. I have been a customer with NFCU bank since XXXX and currently hold several large credit limit credit cards, personal loans, checking and savings account with them. If the inaccurate information was correct, I am almost sure they would've not extended multiple credit cards, personal loans and or checking/saving accounts to me.
Consumer complaint received 2018-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (MN)

1. XXXX  said they sold the debt, making ERC a debt purchaser. 2. On my Credit reports it shows them as the current holder of the debt, meaning they are the debtor and not XXXX. 3. XXXX  didnt sent billing statements to me because they entered or misspelled my home address. 4. The debt collector didnt sent me the correct correspondents and they admit they had the incorrect address information. 5. On XX/XX/XXXX I sent a debt validation letter after no ever receiving a correspondent from ERC or XXXX. 6. ERC partially responded to my debt collection letter. 7. ERC provided me billing statements that only listed a amount owed without a break down of chargers. It went from {$350.00} to {$700.00} without any billing marks or notations. 8. ERC did not explain and show me how you have computed the amount as requested on my debt validation letter on XX/XX/XXXX9. ERC did not Send me the copies of any documents that prove I agreed to pay the alleged amount or contracts as requested on XX/XX/XXXX 10. ERC did not Confirm that the account has not crossed the SOL period as requested in my debt validation letter 11. ERC did not Prove/show that they are a licensed debt collector as requested in my debt validation letter 12. ERC did not prove/show me their license numbers and registered agent as requested in my debt validation letter 13. ERC still reported on my credit report with out following all the legal steps and violated my rights as a private citizen. 14. Lastly the debt validation response they sent me only contained blank billing statements without any information on any of the amount they spoke of 15. ERC needs to removed this debt from my credit report until Im able to verify this debt
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2021 I deposited an amount altogether of $ XXXX.The ATM malfunctioned with a long loading screen only accepting {$5700.00}, then the ATM tried giving my money back and jammed getting stuck in a counting motion.The money slot closed and ended my transactions with a screen being displayed telling me about a number I have to call for a claim.This is really hurtful I have bills and a family all I can do is breakdown and cry.I talked to a representative of Bank of America and was told this would be resolved within two business days.
Consumer complaint received 2018-07-29
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: EQUIFAX, INC. (FL)

Equifax is reporting an outdated " hard '' credit inquiry on my credit bureau report that they provide. 
The inquiry is dated XX/XX/2016 and was made by XXXX. 

I have contacted them to have this inquiry deleted from my credit report, with no results. 

Under the terms of the Fair Credit Reporting Act, or FCRA, passed by Congress, any credit inquiry that is 2 years old or older, must be deleted from a consumer 's credit file.
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

A refund was issued by XXXX XXXX XX/XX/2018 to my XXXX. 
Refund was posted on XX/XX/2018 and appears so on my XXXX XXXX statement. 
Merchandise accounting for 100 % of this refund was returned in good condition to the merchant in advance of the refund. Merchandise return was verified by XXXX management and management issued a credit for {$6000.00} posting XX/XX/2018. 
On XX/XX/2018, XXXX weeks after posting to the {$6000.00} refund, there was an " accounting adjustment to dispute '' entered on my online history as posted. 
On XX/XX/2018, I verified with multiple representatives of XXXX that this {$6000.00} was NEVER a disputed transaction. It was a refund issued by the merchant for returned goods received in good condition and verified. 
I have spoke to over XXXX people at XXXX asking each individual who initiated this refund and to what person or entity the accounting adjustment money was going to because it is the only entry on my credit history that does not have a payee. 
All XXXX people at XXXX told me that they could not tell me who did this accounting adjustment or to whom the money was going to be paid? I opined that as a matter of record of any financial transaction, you need to have an initiating party and a payee. The only response I got was that they would take it under investigation. 
Please to not lose sight of the fact that this {$6000.00} was a POSTED transaction done XXXX weeks ago. I did not dispute or authorize any changes to this transaction and XXXX agrees but still is charging me the false {$6000.00} when I have no goods from the merchant. XXXX told me there is no record of this refund being disputed, they can not see who did this charge to me or to whom the money goes. XXXX also said there is no record of any reason in my Discovercard history of why this refund would have been reversed, yet XXXX WILL NOT even give me the basic information of who did or requested this reversal or where the money is going. Discovercard claim as this point they don't know. I question that.
Consumer complaint received 2018-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (MD)

I closed my account with Wells Fargo and for some reason, its still showing up on my credit report. I would love to have this problem fixed. I made sure my account wasn't in negative and I actually closed my account over the phone so I'm not understanding the mishap here. Thank you, hope to hear from you soon.
Consumer complaint received 2017-08-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (TX)

I have had access to CoinBase without any issues for about two months now. I have accessed my account through two devices and after updating my password and attempting to log in on a different device, I was unable to access the account. The suggested solution was to contact customer service to send them my picture ID and proof that I live at the address on file, all of which I can do but I have not had a response from them in a week and I do need access to my account. Thank you.
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

ATTN : Legal Department I would like the following information deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate .XXXX XXXX XXXX Closed : XX/XX/XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. As well as The items that appear on my credit report as XXXX XXXX Inquiry from  XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I have never done any business with this company and I demand a full investigation. I do not recall any payments or anytime timeline of activity ( DOLA ).
Consumer complaint received 2018-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch (AR)

COLLECTOR FAILED TO VALIDATE BOTH COLLECTION ACCOUNTS FOR XXXX, THEY WERE PAID LATE BY MEDICAID! THEY CALLED XXXX XXXX XXXX CELL 11 TIMES IN VIOLATION OF T.C.P.A. AND INDIANAS DON'T CALL REGISTRY.

THEY ARE UNLAWFULLY REPORTING TWO ACCOUNT ON ALL BUREAUS W/O FEAR OF BREAKING STATE LAWS.

WE ARE STARTING A CLASS ACTION EFFORT TO ELIMINATE FURTHER CONSUMER LAW BREAKING.
Consumer complaint received 2018-03-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Experian is breaking the law by not allowing me to dispute inaccuracies on my credit report. They claim they are not obligated to re-investigate, when by law I am permitted to submit my disputes as many times as I want. They do not allow re-investigations which is against the law. I have filed a complaint with the FTC as well. These accounts are not mine and should be removed, however Experian refuses to allow my disputes to be processed claiming I am filing frivolous disputes. They are not frivolous as XXXX has removed the accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX xxxxx
Consumer complaint received 2018-07-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (VA)

The mortgage loaner Dovenmuehle hasn't reimburse me the 2017 Real Estate Property Taxes over payments for the amount of {$1200.00} as describe in the RESPA Page 21 title Shortages, Surpluses, and Deficiency Requirements 12 CFR 1024.17 ( f ) The servicer shall conduct an annual escrow account analysis to determine whether a surplus, shortage, or deficiency exists as defined under 12 CFR 1024.17 ( b ). If the escrow account analysis discloses a surplus, the servicer shall, within 30 days from the date of the analysis, refund the surplus to the borrower if the surplus is greater than or equal to {$50.00}. If the surplus is less than {$50.00}, the servicer may refund such amount to the borrower, or credit such amount against the next years escrow payments. These provisions apply as long as the borrowers mortgage payment is current at the time of the escrow account analysis.
Consumer complaint received 2018-07-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

I initiated opening a checking account with HSBC on XX/XX/2018 through their website, which offered a {$200.00} bonus if I deposited {$1500.00} and maintained that balance for 90 days. The account was officially opened as of XX/XX/2018, and the {$1500.00} balance was credited to the account on XX/XX/2018. The {$1500.00} balance still remains in the account to date. They are refusing to pay me the bonus as offered on their website.
Consumer complaint received 2018-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC (CA)

I was contacted by " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX, WA XXXX I was told the had a debit for a previous account I had, they asked me if I wanted a settlement. I paid from my debit card on XX/XX/2016 and the funds were taken from my account. It was removed from my credit report. More then a year later I received a piece of mail from Contract Callers try to collect on the same account. I immediately called them and told them about XXXX and the settlement. They told me they would look into it in contact me. I got on the phone and contacted XXXX  and I was told they were going to have to pull the voice recordings from 2016. I was to be contacted, I did not hear back I called back 25 times! Manager to manager excuse after excuse the files were stored in a separate location they had to submit to get the audio file. I ask my bank to revoke the transaction of settlement from them because it was obvious they had taken by money and they weren't consered with helping. Unfortunately it had been over 6 months, and the funds couldn't be pulled back. 

There was previously a reslease and XXXX  and XXXX amount on the closed account on my credit report. Today after I have spent a lot of time energy a money to XXXX out everything on my credit report Contact Callers is still Harassing me and trying to collect on something that's been paid for over 2 years! Now it's on my credit report and I'm freaking out. Despretly need addvise, please help me!
Consumer complaint received 2021-01-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services (FL)

Covid has caused struggles of job lost and family members returning home to my house because work is not available. It is hard to maintainXXXX persons in the household now I somehow have to deal with XXXX family members, much less keep up. I need help.