davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
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)

I sent EXPERIAN LETTERS ON:XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXasking to verify this information that shows on my credit reportAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.  Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.   Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.as well as unknown inquiresnot once have they verified anything even XXXX XXXX SENT ME A LETTER STATING THEY WILL DELETE THE ACCOUNT BECAUSE IT DOES NOT BELONG TO ME, YET EXPERIAN STILL REPORTS AS WELL AS OTHER ACCOUNTS THAT WERE NEVER VERIFIED
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (MI)

My phone was stolen on XX/XX/XXXX so I had them disable my account on Coinbase to prevent any transactions. The email said to respond once you've recovered your device so they can reactivate my account. I've messaged them every single day since and haven't gotten a single response and I also have filed a complaint to them. I then reached out to their social media pages and their XXXX customer support team finally responded. The person was no help and completely ignoring what I was trying to tell them and after maybe a 10 minute conversation, they said " I'll forward your information to someone else '' without even knowing any of my information at the time. I asked to speak to the persons XXXX multiple times because they were just giving up trying to help and said " I need to help other people ''. After this conversation my account was still disabled, but I also had a coinbase wallet that was working perfectly fine and all the money was still on there because it uses a private key and I didn't have to worry about whoever stole my phone being able to take that money. This interaction happened on XX/XX/XXXX and when I went to check my wallet today XXXX XX/XX/XXXX ), all of my money on that account had been sent somewhere else. I checked the time it was sent and it was shortly after I had the conversation with their XXXX Customer Support. I went back to the XXXX messages once I found out and sent them a message and never got a response back. I then tried to send another message this afternoon and it turns out they blocked me. So now I have a disabled Coinbase Account that I can't get in, the money on my Coinbase Wallet account has been sent somewhere else, can't get in contact with anyone through any outlet, and have now been blocked by the XXXX page. This company is robbing me and I can't do anything about it.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my consumer reports. The Credit Bureaus have stated that TWO listed XXXX accounts were properly investigated and resolved on several occasions ; but how is this possible if the Account Numbers, Date Opened, Number of Months ( Term ), Last Reported, Date Last Active, and the Date of Last Payment are not accurate across all three reports? This is grounds for deletion / removal under the following : 15 U.S.C 1681 602 [ 15 U.S.C 1681 ( a ) ( 4 ) ] 623 [ 15 U.S.C. 1681s-2 ] 611.Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] See attached and have a nice day.
Consumer complaint received 2021-05-25
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. (NJ)

On XX/XX/2021 I the consumer reviewed my consumer reports and found the following violations. Pursuant to 15 usc 1681b - Permissible purposes of consumer reports - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I the consumer have never given any of the consumer reporting agencies known as XXXX  TRANSUNION, XXXX  any written instructions about the consumer reports listed in my name, which is a violation of 15 usc 1681b ( 2 ). Pursuant to 15 usc 1681c ( 4 ) they are also civilly liable for placing collection accounts on my consumer report. I am demanding they remove the alleged debt from my consumer reports remit payments to me for violations and apologize. Each consumer reporting agency was sent by certified mail, a written statement, a copy of the law that was violated, and a copy of my consumer report.
Consumer complaint received 2019-08-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC (VA)

I received a loan from advanced 24/7 in XX/XX/2017. I am a disabled individual that lives on a fixed income. I did not realize that getting this loan was going to put me into a viscous cycle of having to borrow from this loan to make ends meet because the payment on the loan was extremely high. Especially seeing as I make only a little over $XXXX a month. The percentage rate for the APR on the loan is ridiculous at 279.5%. I am not able to pay the $XXXX that they are asking per month and buy groceries, my medication, toiletries, etc that are needed for me to live my life.
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (TX)

On Saturday XX/XX/XXXX I went to Victoria’s Secret and was approach by a sales associate. She informed me of special deals they were having and had asked me if I had an angels credit card with their store. I replied that I did previously have one but was not sure if it was still active. She then asked if I wanted to open a new card, which I replied “no”. She then kept hounding me to open one but I repeatedly told her I did not want to new one, that I preferred to pay cash for my purchases. I did say that I wanted to see if my old card was active, which she then informed me that she could look up my existing card with my name and social as well as my date of birth. At no point did she say that she was opening up a new card. I made it very clear to her that I did not want another credit card and she opened one up under false pretenses and did not inform that she applied for me. She then stated that I had a $XXXX credit limit, she did not say that this was a new limit as she implied that this was my existing credit limit from the card that I had originally opened around XX/XX/XXXX-XX/XX/XXXX. Today, which is XX/XX/XXXX I spoke to the store manager who confirmed that the only people that can check to see if you have an open card are the associates that work behind the cash registers and not those that walk around with their XXXX, which is what the associate who committed the fraudulent account opening was using.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have a credit balance of {$160.00} that capital one criminals are trying to steal. They are asking for personal information that was not required to open the account and now that I want to close it they want my drivers license copy which is outrageous and complied with against my better judgement. I mailed the copy, I faxed a copy and they can only say it wasn't clear. They told me to upload from a link they emailed me. I emailed them a copy again with a few numbers blocked out, they said they would call me and when they did they rang one time and hung up. They can email me they can send letters to my home but they refuse to mail my credit balance. I do not want to give they counterfeiter fractional reserve scammers my information for the next time they get hacked. THEY CAN SEND MY CREDIT BALANCE TO THE ADDRESS ON FILE FOR 15 YEARS
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TRUIST FINANCIAL CORPORATION (NC)

I redeemed a rewards card from BB & T my local bank from my credit card account points earned. I received the card on XX/XX/XXXX via fedx in the amount of XXXX dollars. I had planned to use the card during the holidays. When i tried to use the card it was declined. I called the number on the back of the card and was told the card had been used for XXXX dollars on XX/XX/XXXX at XXXX XXXX XXXX in XXXX NY. The card had never been out of my site so how could someone have used it. The bank rep told me there was nothing I could do and that I in fact would lose the money. I looked up the company and have left XXXX messages there to see if I could find out who could have used the card but of course no one calls me back. I can not believe that there is no protection for the customer of a bank therefore making rewards cards unsafe to redeem. Please help. Thank you. XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccur
ate.
Consumer complaint received 2021-01-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I HAVE SUBMITTED MULTIPLE DOCUMENTS TO ALL OF THE CREDIT REPORTING AGENCIES ABOUT THE INACCURATE AND FRAUD RELATED INFORMATION THAT IS REPORTING TO MY CONSUMER REPORTS. I AM LISTING BELOW ALL OF THE VIOLATIONS UNDER THE LAW THAT HAVE BEEN COMMITTED AGAINST ME.. FROM SPEAKING WITHNMY CONSUMER ATTORNEY I AM TO BE COMPENSATED FOR EACH ACCOUNT REPORTING UNDER THIS LAW.

( 1 ) Respondent furnished inaccurate information about consumers credit to Consumer Reporting Agencies ( CRAs ) that it knew or had reasonable cause to believe was inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent, in furnishing on certain consumer accounts, failed to provide to CRAs the date a delinquency commenced, in violation of 623 ( a ) ( 5 ) of the FCRA,15 U.S.C. 1681s-2 ( a ) ( 5 ) ; ( 3 ) Respondent failed to conduct reasonable investigations of consumer disputes or to do so in a timely fashion, in violation of 623 ( b ) ( 1 ), 623 ( a ) ( 8 ) ( E ) ( i ), 623 ( a ) ( 8 ) ( E ) ( iii ) of the FCRA, 15 U.S.C. 1681s- 2020-BCFP-0021 Document 1 Filed 11/12/2020 Page 2 of 36 2 ( b ) ( 1 ), 1681s-2 ( a ) ( 8 ) ( E ) ( i ), 1681s-2 ( a ) ( 8 ) ( E ) ( iii ), and 1022.43 ( e ) ( 1 ) and 1022.43 ( e ) ( 3 ) of Regulation V, 12 C.F.R. 1022.43 ( e ) ( 1 ), 1022.43 ( e ) ( 1 ) ; ( 4 ) Respondent failed to make determinations or provide the required notices to consumers that their disputes were frivolous or irrelevant and did not require investigation, in violation of 623 ( a ) ( 8 ) ( F ) of the FCRA, 15 U.S.C. 1681s- 2 ( a ) ( 8 ) ( f ) ( ii ), ( iii ), and 1022.43 ( f ) ( 2 ) of Regulation V, 12 C.F.R. 1022.43 ( f ) ( 2 ), ( 3 ) ; ( 5 ) Respondent failed to establish, implement, review or update reasonable policies and procedures regarding its furnishing of consumer information to CRAs in violation of 12 C.F.R. 1022.42 ; and ( 6 ) Respondent, as a covered person engaging in violations of a Federal consumer financial law, violated the Consumer Financial Protection Act ( CFPA ), 1036 ( a ) ( 1 ) ( A ) of the CFPA. 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the CFP A, 12 U.S.C. 5563, 5565,
Consumer complaint received 2017-12-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NC)

I have contacted XXXX numerous times requesting detailed information regarding which qualifying payments I have made towards the XXXX XXXX XXXX XXXX program. I have only been given the total number of months that have counted, and many months that should have counted are missing, therefore I requested a detailed report on which months had qualifying payments. I first requested this information on XXXX/XXXX/XXXX and was told it could take up to 30 days. I called on XXXX/XXXX/XXXX to follow up, and was told by the customer representative it would take a minimum of 90 days. I asked to get this in writing and she could not, but connected me to the supervisor. I requested the same form from him and he said it could take at least 6 months for payment tracking. I called XXXX/XXXX/XXXX to follow up on the request, and asked if I could get a written report of what actions had been taken as a result of my inquiries to get this detailed report for me, however I was told I could not receive that information. The representative did tell me that a request on XXXX XXXX, XXXX was placed, however that request should have been processed within 60 days. 

Currently I am told I have XXXX to XXXX qualifying payments, however I estimate I should have at least XXXX payments qualify.
Consumer complaint received 2018-06-23
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. (GA)

I have tried to get transunion to help get these inquiries off my credit report that do not belong to me and some where mine that they removed and put them back on without notify me in the time frame. They didn't notify me at all. 

These are the inquiries that need to be removed : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (IL)

I made a purchase on my Chase XXXX XXXX card ( current account number is XXXX XXXX XXXX XXXX ) on XX/XX/XXXX in the amount of {$740.00}. I did not receive the goods and filed a purchase protection claim on XX/XX/22 with XXXX  The claim number is XXXX. All documents required from me were submitted for this claim. XXXX  has yet to approve the claim because they are waiting for a response from Chase to emails sent to Chase on a weekly basis since XX/XX/22 requesting that Chase validate that I did not receive a credit or refund for this purchase
Consumer complaint received 2022-04-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Im writing this complaint because I have been denied my right to know the details of the investigation performed for me against the alleged creditors in question. Please have these companies provide me : 1. The name of the original creditor XXXX. The creditors ' address and telephone number XXXX. The persons name they verified the dispute with 4. The documentation used to verify the dispute
Consumer complaint received 2022-01-10
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: Resurgent Capital Services L.P. (MA)

STATUS DETAILS : Submitted on XX/XX/XXXX File number XXXX Completed on XX/XX/XXXX ITEM IN DISPUTE : COLLECTION DISPUTE REASON : Accuracy This account is involved in litigation. 
CONTACT INFORMATION XXXX XXXX RESURGENT CAPITAL SERVICES  XXXX XXXX XXXX XXXX, SC XXXX RESULT : Information updated on this item XXXX investigated your dispute and updated the information you flagged, as well as other information for this item, on your report.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo decided for no reason to close all of my checking accounts and credit cards five years ago. But, now all of a sudden are sending me marketing emails for their bank with no way to opt out without being able to log in and change options. Although prior to them closing my accounts already had that option to not receive marketing emails chosen. I have sent Wells Fargo emails asking to stop sending any and all email, but it still continues. I would like Wells Fargo to have an unsubscribe tab on all emails without having to log in. They made a choice to cancel my accounts, I choose to cancel Wells Fargo and not have to see anything related to that bank in MY email box. I want out!
Consumer complaint received 2021-05-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (IA)

I have received multiple calls from Citi Cards or their authorized representatives regarding a credit card that they indicate I defaulted on over 11 years ago. I don't know anything about this debt nor do I have any intent of paying it. I want them to stop calling me. 

Even though I have repeatedly asked to be removed from their calling list, they continue to call. Today they threatened legal action and to garnish my wages. They called from XXXX XXXX XXXX x XXXX. She said her name was XXXX and she indicated she worked for XXXX XXXX XXXX. She told me that she had already filed to garnish my wages. This is NOT true. Nothing has been filed and even if this were my debt it is far past the statute of limitations in the state of Iowa ( see Iowa code 614.1.4 ). 

Before XXXX reached me today she called my sister on my sister 's phone and told her that I was going to be sued for bad debt. She told my sister that this was my FINAL notice and that my sister better help get it resolved. Making these false claims and threats to my family is harassment and it is my understanding that it is against the law.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-28
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. (GA)

In accordance with the Fair Credit Reporting Act, reporting of the following accounts : XXXX, Account # : XXXX ; XXXX XXXX, Account # : XXXX ; XXXX XXXX XXXX XXXX, Account # : XXXX, the Credit Bureaus have violated my rights, under the following FCRA sections : 602 Congressional findings and statement of purpose [ 15 U.S.C. 1681 ], Section ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ], Section ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

Asked for Deletion because of inaccurate reporting. They are continuing to report inaccurate information since XX/XX/2019 to present. XXXX XXXX wrong Acct no. they continue to violate the law by reporting inaccuracies.
Consumer complaint received 2022-04-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

Asked for Deletion because of inaccurate reporting. They are continuing to report inaccurate information since XX/XX/2019 to present. XXXX XXXX wrong Acct no. they continue to violate the law by reporting inaccuracies.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.