davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
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. (FL)

The Fraudulent items listed below still appear on my credit report, even after your investigation. I would like these specific late items immediately re-investigated and corrected/removed. These inaccuracies due to identity theft are highly injurious to my consumer credit report. There is information on my consumer credit report that are a result of identity theft. I did not give authorized written permission or instructions for the identified purchases to be reported on to my consumer report. I am requesting that the publishing of this informational data be investigated and corrected/removed. The Identified transactions are not related to any grand action or transaction by me as the consumer. 

MONTHS OF ACCOUNTS/ACCOUNT NUMBER INACCURATE LATE PAYMENTS DATE OPENED 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 FORMER ADDRESS TO BE DELETED : XXXX XXXX XXXX XXXX XXXX, FL XXXX Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506 , Title VI , Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation.

Please provide : 1.As you are aware, the Fair Credit Reporting Act ( FCRA ), 15 USC 1666b , requires that credit reporting agencies to follow reasonable procedures. To ensure that the information in a consumer credit report is accurate. It also gives consumers the right to dispute inaccurate information and requires credit reporting agencies to investigate and correct or remove inaccurate information.

Also, the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 subsection C-2 Blocking of information resulting from identity theft.
Consumer complaint received 2017-11-29
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 — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I was divorced in XX/XX/2015 and as part of the decree, my ex-spouse was 'awarded ' a credit card balance and account ownership of a closed credit card. While I was originally the primary and sole credit card holder upon initial opening ( I did n't yet know my ex-husband ), legally the debt and account have been updated to be his sole responsibility. However, USAA ( my credit card company ) is unable to legally remove me from the account. I have opened a dispute with XXXX to have the account removed as it is the highest credit impact on my credit score and they have stated they are not able to remove accounts individuals " own ''. Legally, I no longer own the account and can not get the credit reporting company nor my bank to remove me as owner. My ex-spouse has a large amount of debt on top of what he owes on this particular credit card, and as it is not legally my responsibility, I would appreciate the immediate removal from my credit reporting effective the date of divorce.
Consumer complaint received 2017-11-28
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. (IL)

As of XX/XX/XXXX Experian has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX PUBLIC FILINGS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRIES XXXX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX
Consumer complaint received 2021-07-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XXXX a guardian account was court ordered for my daughter who won a lawsuit totaling {$12000.00} to be held in the highest interest bearing account. she was XXXX XXXX XXXX at the time. The judgement ordered the account to be opened with Bank of America. My daughter turned XXXX yrs old this year and when she went to withdraw the money they couldnt locate the account and said it must have been closed over 7 years ago do to non maintenance. We checked with the state comptroller the funds were not there. We have the infants compromise order, the bank account number and the check number from the comptroller. we have been to the bank a couple of times about the issue, called customer service several times and filed a complaint with legal through the bank, and they have not responded. We later learned that it was opened wrongfully under a custodial account and the funds were given away to child support agency for the collection of my arrears in XXXX.
Consumer complaint received 2017-11-29
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. (NJ)

This account was suppose to be removed from my credit report due to inaccurate information and I 'm also taking care of it directly with XXXX XXXX XXXX. The account was removed from my transunion report but not my equifax. It is now XXXX XXXX,2017 it 's been over 60 days since I filed this dispute.
Consumer complaint received 2017-12-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NY)

On XXXX XXXX XXXX I sent chk # XXXX in the amount of {$2700.00}. This was to cover past due balance and monthly payments of {$230.00} through XXXX XXXX which I stipulated in a note attached to the check. The extra money was applied to the principle however they did not apply the payments to the monthly invoices as directed. I am now having my credit destroyed once again by this company being marked 60 and 90 days late. I contacted them by phone on XXXX/XXXX/XXXX and s/w to XXXX who informed me the computers were down but took my info and stated a manager would be calling me back. Never happened and when I called back there was no record of this call in their system. I then mailed back my statement with the information to be corrected still nothing. Disputed it on my credit report and my score has dropped by 100 pts due to this and im sure they are going to repo my car.
Consumer complaint received 2018-01-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Winklevoss Exchange LLC (DC)

I bank with XXXX XXXX, and was using XXXX ( the XXXX XXXX startup ) to invest in cryptocurrency. I have since decided to end that activity, and tried to withdraw funds from XXXX back to XXXX XXXX. I initiated the withdrawal of {$5600.00} on XX/XX/XXXX. 

A day later, I was told that the transfer failed and my account was frozen. This is all the information I was given. XXXX does not have a customer support phone number, and multiple attempts to reach them via email have failed. 

I have wired multiple ( much larger ) amounts through XXXX XXXX to XXXX, so I expect XXXX XXXX would recognize XXXX as a trusted source. Therefore, I believe the fault somehow lies with XXXX.
Consumer complaint received 2022-09-09
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. (CT)

This issue has been going on and on and on with this bank and I can never get anyone to help me. I have NEVER been late however THEIR system is so laggy and after I make the payment it doesn't process it until AFTER the due date. I MAKE the payment on time and the system posts it seemingly whenever they feel like it. 

I have ALL the proof in the world, I have conf # 's and print outs showing it was BEFORE my due date, I have made payments with reps on the phone to prevent this. 

They are completely destroying my credit with this, what I Can only describe as a scam, I have shown them all this proof they completely ignore it. 

Its either human error or the payment system but either way this issue is not on MY end, I'm making my payments on time as you can see from my proof ( and this is just one of many )
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I called Bank of America ( XXXX ) the evening of Wednesday XX/XX/XXXX XXXX EST to dispute the overcharging of interest on 2 personal credit cards that I have with them due to their use of double cycle billing that is deemed illegal as per the Credit Card Act of XX/XX/XXXX. At the time of billing, I unknowingly paid this interest as legitimate, but my accountant recently informed me that this is an illegal practice as per the Credit Card Act of XX/XX/XXXX. The overcharging of interest occurred on 2 separate occasions on 2 different cards in which the balance was paid off in full in the previous billing cycles. The 2 amounts of over-charged interest are for {$100.00} ending on billing cycle XX/XX/XXXX for one card, and for the other card, {$23.00} ending on billing cycle XX/XX/XXXX. 
I initially spoke with a representative who was clearly unaware of what double cycle billing is and my consumer rights as per the Credit Card Act of XX/XX/XXXX. I asked to be transferred to a Manager ; I was transferred to a Team Supervisor named XXXX ( Badge # XXXX ) and she refused to acknowledge that Credit Card Act applied to my situation and refused to refund the charged interest. She even intentionally mispronounced my surname as " XXXX '' twice even when I corrected her the first time ( My surname is XXXX ). I interpreted this XXXX overt racism and smugness on her part. I requested to escalate this matter to her Supervisor which in their management nomenclature would be " Manager. '' I will be awaiting a phone call the next day.
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX, I initiated a wire transfer in the amount of {$5000.00} USD from my XXXX bank account to my COINBASE USD wallet. At that time, there was a banner listed on the COINBASE website that stated there was a backlog of wire transfers and that it would take up to 4 business days for the funds to be deposited. I waited the period of time suggested with no change. I created a support ticket on XX/XX/XXXX and received a canned response on XX/XX/XXXX stating the funds had been verified and that I should be all set. There was no changes to my account. I emailed them back that same day making them aware that the issue was still present along with a screenshot of the COINBASE USD wallet, no further contact has been made. There are countless other customers who are experiencing the same issue with no recourse. I can understand a company exceeding its resources due to rapid growth, but what is most concerning is that aside from these support tickets, there is no way to sort this out.
Consumer complaint received 2022-10-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant Mercantile Agency (CA)

Grant Mercantile Agency has committed multiple violations of the fair debt collections practices act and the fair credit reporting act. 

Grant Mercantile Agency has committed violations of 15 usc 1692e ( 8 ) and 15 usc 1692e ( 2 ) by reporting false information to third parties ( Consumer reporting agencies ) when it knew from its own records the true open date and balance.

Grant Mercantile Agency has also failed multiple times to validate this debt and I also recently mailed out another validation of debt on XX/XX/2022. 

This is a violation of 15 usc 1692g failure of validation of debts.

According to 15 usc 1692k, I am invoking my specified remedy for actual damages of {$1000.00} per violation which totals up to {$3000.00} total, and removal from my consumer report ( XXXX, XXXX, and XXXX ) The company has violated 15 usc 1692f ( 1 ) which states that they can not collect a debt unless the amount is expressly authorized by the agreement creating debt.
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credence Resource Management, LLC (VA)

I signed up for cell phone service with XXXX XXXX XXXX, but l couldn't get reception in the area l lived in. I am the sole caregiver and provider for my elderly handicapped mother and l can't afford to be without phone service. 
I forgot my pin # and was told to go to the store to reset it. I was told it couldn't be reset because the acc't was cancelled. The acc't was cancelled and l was given a no. to call. I talked to XXXX XX/XX/XXXXand was told l would receive a call from management within 48 hours. I never received the call, but XXXX XXXX XXXX billed me {$300.00} and turned me over to a collection co. How are they able to charge me for service that was never activated or used? l don't have all of the exact dates or names but l called several times and went into the store when instructed, but was basically given the run around. I never received an official contract, but i'm attaching the original bill of sale. 
Thank you for your attention to this matter.
Consumer complaint received 2022-03-31
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. (IN)

Experian received copy of 1099-C issued by XXXX XXXX  which in fact legally canceled the debt on XXXX, no balance is legally owed. 

Per my dispute on XXXX with Experian including uploaded 1099-C, Experian updated the account to the ACCURATE balance of {$0.00}. Then on or about XXXX Experian reinserted a balance of {$22000.00}. This is a FCRA VILOLATION I already filed a complaint with CFPB complaint number XXXX on XXXX however, Experian has not corrected there error nor provided a response. I did see that Experian noted my credit report on XXXX that their reinvestigation was complete and that the information of {$22000.00} balance was accurate. Experian has been provided with legal proof that the accurate balance is {$0.00} on XXXX account yet continues to ignore this factual information and will not block the account from updating a balance. There was no need for a reinvestigation as Experian already had legal proof of no debt owed to XXXX XXXX. 

I have copies of my Experian reports from XXXX thru XXXX that show {$0.00} balance and then on XXXX showing a reinserted balance of {$22000.00}. Again this is a FCRA Violation, I will give all this factual information to an attorney if Experian does not correct there error.
Consumer complaint received 2017-11-29
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am being refused a bank account at any of the major banks because of information BANK OF AMERICA is giving out to when ever I tried to open an account.i have spoke to bank of XXXX representative and was advised I could never have a relationship with bank of America, I also ried to open bank accounts at XXXX, XXXX XXXX and was told BANK OF AMERICA has some type of block against your name and ssn in the banking environment and only they can remove it ... this is discrimination in the fullest, very unfair treatment..My identity was manipulated during XXXX XXXX thur XXXX 2017..their is some fraud on a account that was in XXXX ... Its XXXX as a consumer should have the right to open a bank account per CONSUMER LAW AND CONSUMER PROTECTION AGENCY AND THE FAIR REPORTING ACT
Consumer complaint received 2020-05-04
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.
Consumer complaint received 2017-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion has been sent three different letters about verifying a specific account which is XXXX XXXX of XXXX XXXX. This account is in collections but the creditor is showing with a balance. They have failed to correct it or validate the debt and ive sent 3 seperate correspondences. They have not sent any paperwork showing proof of the debt.I want it deleted now, this is a violation I sent correpondence XX/XX/XXXX & XX/XX/XXXX and received no proof or change on my report, creditor and collector should not both show a balace
Consumer complaint received 2024-02-19
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

this account from XXXX XXXX has been affecting my credit report for years now. ive already attempted to dispute this account because it is not mine. please provide to me account level documentation of said debt. I something with the original contact with my wt signature and all detail proven that I owe this debt. as I mentioned before this about has been drawn to my attention because its not mine. provide me with documentation with 30 days or les that I owe this debt. if this information can not be provided in a timely fashion deleted it from my credit now. 

the credit reporting agencies are violating my rights as a consumer by reporting this most after month after month thats hiring my financial situation right now especially trying to buy a house for me and my family. pursuant to 15 usc 1683e this account is violating my rights under federal law. 


XXXX XXXX has violated 15 usc 1681n
Consumer complaint received 2024-02-19
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. (TX)

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.

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 2017-11-29
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. (TX)

My name is XXXX XXXX. The credit bureau is refusing to remove a collection record from my report that is not mine. It is being reported as a paid debt but I have never had any business dealings with this company. I have never been called by them, I have never received any letters or notices from them and I have never paid them any money. There is no reason for this to be on my credit. The account name is under " XXXX XXXX '' with account number # XXXX. It is reported to have been opened since XXXX 2016. As the credit bureau 's records will show, I have been disputing this for a very LONG time. To this date, I have only received generic responses claiming the account information is accurate to be on my report. Last week, I took it upon myself to call XXXX XXXX and spoke to their representatives and a supervisor. It turns out that the personal information on this account does not match mine besides a very similar sounding name. They were not able to give out any more details because I was not the verified person on the account. This is frustrating and confirms to me that the credit bureau has not been processing my past disputes properly. If I am being told by the source of this information that this is not my account, why does the credit bureau continue to report this to my credit? I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake. This is the reason why I am filing this complaint.