davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

I became of member of XXXX  / XXXX / XXXX monitoring and when reviewing my credit reports I noticed that XXXX XXXX is reporting 120 days of late payments ( {$43.00} ) for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I reached out to the XXXX   XXXX several times by telephone to discuss the errors on my account and the miscommunication. During that time period I was dealing with a hardship and contacted them. I can remember I did my loan forbearance over the phone with a very nice and professional customer service representative who was very understanding and told me everything was taken care of, but after reviewing my credit I seen my forbearance wasn't taken care of, so I reached out to XXXX for help. 

I thought that I can handling this issue directly with the company and my problem will be solve, only to find out their Customer Service Representatives are extremely rude and unwilling to listen and help you with your problem. Ive been an upstanding customer and always paid and handle my account issues in a timely matter since my account been transferred to XXXX its unfortunate that the nice lady that I spoke with back in XX/XX/XXXX didnt handle my account correctly. 

In XX/XX/XXXX I submitted a written letter informing them of this issue and the only thing I received back was an electronic response letter in my account porter saying they received my credit request and that they are needing more information which I submitted by mail and gave them a copy of my credit report. 

Latest phone conversation XX/XX/XXXX : I contacted XXXX to see how this issue can be resolved. The customer representative was so rude and didn't allow me to finish my claim she said NO! sorry there is nothing I can do. I tried to explain to her that everything was done over the phone back in XX/XX/XXXX she continue to basically tell me Im a lie. I asked to speak with the Supervisor. I was then placed on hold for a long time ; the supervisor came on and basically said he couldnt do anything either and I will need to submit a dispute form and it will go into review and it will take 5-7 days to receive a respond. Its very frustrating and unfair that I have to take the blame and say it was my fault so that I can be consider for an adjustment. 

XX/XX/XXXX : I spoke a new customer service rep. name XXXX ( employee # XXXX ) and asked her about the 5-7 days response and she quickly told me NO Ma'am! you will not hear anything back from us about your dispute until 30-60 days. Why am I getting the run around and different answers from employees a few days ago I was told by a XXXX supervisor that it will take 5-7 days To add, I just recently did a Disaster Forbearance due to Hurricane Harvey and everything was done over the phone with no paperwork or with my signing ( XX/XX/XXXX-XX/XX/XXXX ) - safe to say nothing have been reported yet. 

please help! I tried to collect all the documents I can find*
Consumer complaint received 2021-11-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Lending Club Corp (VA)

On XX/XX/21, I received a bank statement from Lending Club Bank in the mail regarding a bank account that was fraudulently opened under my name. I called Lending Club Bank on XX/XX/21 informing them that I did not open up this account. The customer representative acknowledged that this appeared to be a case of identity theft and that my name, SSN, DOB and address was used to open up this account under my name. He indicated that an investigation will take place and assured me that I would not be financially responsible for any of these charges. He instructed me to contact the Federal Trade Commission, credit reporting agencies, my bank and the local police department. I am currently in the process of contacting these entities.
Consumer complaint received 2021-02-11
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: Experian Information Solutions Inc. (TX)

I started this journey of only inquiring with a auto dealership named XXXX XXXX in XXXX XXXX, Texas. I was speaking with a XXXX only. I advised her I did not want my credit run and further impact my credit score. All I wanted to do is get information on a particular vehicle. I gave her my information but I was clear that I did not want my credit run. Next thing I am aware of is that this " manager '' named " XXXX '' has run my credit 9 times with different finance companies. I did not authorize this at all! I left and told them I would take my business elsewhere and that I was very upset at their doings and practices. Totally shady! I had not even made it out to my car and inquiries after inquiries kept digging on my phone. My credit apps that I have in place to alert me kept notifying me of these numerous inquiries. All three credit bureaus are now affected and I have tried to reason with XXXX XXXX but with out any success. All three bureaus will not remove these inquiries either due to their rules and policies according to them. I am requesting your help to get these inquiries off my credit reports. I have been greatly affected by these inquiries and during these hard time due to the economic impact the Covid-19 Pandemic has caused, it's been horrible! Please help me.
Consumer complaint received 2024-01-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to bring to your immediate attention a serious matter regarding the inaccurate information present on my credit report. After a thorough review of my credit report, I have identified an error that demands your urgent attention and correction. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
Upon reviewing my credit report, I discovered that there is an identity-related entry that does not belong to me. This discrepancy is causing severe harm to my creditworthiness and financial standing. The inaccurate information is as follows : 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 I would like to emphasize the urgency of this matter and request that you promptly investigate and rectify this error. This erroneous information is not only damaging my credit score but also poses a significant risk to my financial well-being. 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute inaccurate information on my credit report. I am exercising this right and demanding the immediate removal of the incorrect identity information mentioned above. 
I expect you to conduct a thorough and expedited investigation into this matter and ensure that my credit report accurately reflects my identity. Failure to address this issue promptly will leave me with no choice but to pursue legal action to protect my rights.
Consumer complaint received 2024-01-12
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. (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.

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 2022-11-07
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. (MO)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$830.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX : {$990.00} ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$610.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$25.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX : {$3000.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2018-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. (NY)

On XX/XX/17 I wired {$5100.00} to Coinbase using the reference number they provided me with in my account. My bank confirmed they received the wire the same day. 

I have opened numerous cases with Coinbase, with the first being about 5 days after I wired the money. I have explained in the cases that I never received the wire into my Coinbase account and have included all pertinent information in the cases including wire date, the Federal Reference # and the wire amount. The only responses I have received from them generally come weeks later and are generic responses saying we believe we have resolved all wire issues across our site and you should have your money now. 

I am unable to get a resolution from them or even an update on potential remedies on this matter even though my cases have been escalated to the highest priority.
Consumer complaint received 2021-11-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NY)

On or about XX/XX/2021, I noticed a negative report on my credit report, an account I did not recognize. On or about XX/XX/2021, I initiated a dispute with the credit agency, explaining that I did not recognize the item. At the same time, I mailed a letter to the data furnisher. My credit report has not yet been updated.
Consumer complaint received 2021-02-11
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: EQUIFAX, INC. (TX)

I started this journey of only inquiring with a auto dealership named XXXX XXXX in XXXX XXXX, Texas. I was speaking with a XXXX only. I advised her I did not want my credit run and further impact my credit score. All I wanted to do is get information on a particular vehicle. I gave her my information but I was clear that I did not want my credit run. Next thing I am aware of is that this " manager '' named " XXXX '' has run my credit 9 times with different finance companies. I did not authorize this at all! I left and told them I would take my business elsewhere and that I was very upset at their doings and practices. Totally shady! I had not even made it out to my car and inquiries after inquiries kept digging on my phone. My credit apps that I have in place to alert me kept notifying me of these numerous inquiries. All three credit bureaus are now affected and I have tried to reason with XXXX XXXX but with out any success. All three bureaus will not remove these inquiries either due to their rules and policies according to them. I am requesting your help to get these inquiries off my credit reports. I have been greatly affected by these inquiries and during these hard time due to the economic impact the Covid-19 Pandemic has caused, it's been horrible! Please help me.
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (AZ)

I have been a loyal customer to Chase Bank for many years and today I was a victim of security fraud and a victim of a scam that I immediately called about and told my bank what happened and they told me that they couldnt do anything because I accessed my account and initiated the payment through XXXX. I completely understand that it was a bad judgment on my end however a victim usually doesnt know they are being taken for by someone who claims they are trying to help until its too late. I stated that I was a victim of a scam and that I would like assistance with helping me get the funds I lost which is used to pay our mortgage and for our family to survive. Im not running any scam or trying to commit fraud, Im the victim! For my bank to basically tell me oh well too bad Im absolutely devastated and feel so helpless and feel like I have no support from the company I have trusted for so long. Im already broken and sick from the fact this happened to me, to have the company I look to for trust turn their back just feels like another dagger in my chest.
Consumer complaint received 2018-02-06
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: EQUIFAX, INC. (IL)

Despite two written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Equifax stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Equifax did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Equifax also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified. yet they have not.
Consumer complaint received 2021-11-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX A ) XXXX
Consumer complaint received 2020-11-05
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: Experian Information Solutions Inc. (SC)

Hello, I reach out to CFPB a few weeks ago on this matter with ya 'll giving a complaint on Experian, XXXX  and XXXX. Their reaging false accounts on my credit report and have yet send any verified information with my signature on any of these accounts they literally deleted that you'll see in my upload files but then put accounts back on as a New Account. Which is a Violation of the FCRA Section 623 and Violation FDCPA 806B
Consumer complaint received 2021-08-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MD)

Without warning or reason, PayPal suspended my account thereby withholding {$170.00} and preventing me from receiving numerous payments. I have not received any complaint against me nor have I filed any complaints with PayPal. I called PayPal yesterday and spoke to an agent who transferred me to another agent but then PayPal provided an automated message instructing me to email them before disconnecting. I emailed PayPal and merely received an automated message.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been more than 30 days. I filed a 30 day demand to comply, with the credit bureaus and still have yet to receive a response.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

Equifax continues to show an in accurate public record ( Dismissed CH XXXX Bankruptcy ) despite repeated disputes that I have made. They keep saying they have verified the information as coming from XXXX. This item was removed from my XXXX report in XX/XX/2020. XXXX # in reference is : XXXX removing XXXX case # XXXX from my file.
Consumer complaint received 2021-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (MD)

1. The account holder banked with BB & T.

2. The account holder was deemed to be unable to manage her property in a legal proceeding for the appointment of a guardian of property and of her person.

3. BB & T accepted the Court Order appointing the guardian and the guardian began managing the account and paying the ward 's bills.

4. SunTrust and BB & T merge and become Truist. 
5. Truist 's On-line banking system will not permit on-line bill pay access for the account. 
6. The XXXX calls Truist Customer Service seeking a resolution and gets sequentially referred to someone who will handle the inquiry. 
7. Truist personnel advise that it is the bank 's " policy '' not to let a guardian access bill pay features of its on-line services. 
8. It is pointed out that a guardian is the legal equivalent of the account holder and can transact all business, from closing and account to paying bills.

9. Bank personnel advise without explanation that it is simply the " policy '' of the bank that he can not do so electronically, and that the guardian has to use written checks to pay bills 10. This makes no sense to the XXXX, since, for example, he can clearly close the account, he asks who is responsible for establishing this " policy. '' 11. Bank personnel avoids the questions, refuses to respond and advises in effect that the policy is the policy. 
12. Bank personnel suggest that the guardian change the nature of his relationship to the account in its records, which, it is pointed out, would be improper since he is court appointed, and doing so would be a misrepresentation and misconduct by the guardian.

13. A request to speak to a superior is denied.

14. A request for contact information for the source of the " policy, '' is not only denied by Bank personnel, but the existence of such a place is denied. ( Which has to be an outright false statement, i.e. a lie. ) 15. No explanation is given, and even the means to request an explanation or to suggest a change in the " policy '' is denied.
Consumer complaint received 2021-01-29
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 — Investigation took more than 30 days
Company: GATEWAY FIRST BANK (OK)

I am mad at gateway mortgage because i had lost my job due to covid-19. I called gateway to get on their forbearance program but I did not call in time before I was mark on my credit reporting with a 30 days past due. I would like gateway to fix my credit reporting due to this issue
Consumer complaint received 2021-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

PNC Bank purchased BBVA Compass and the conversion of the bank accounts from BBVA to PNC has been a disaster. Once the conversion took place, I no longer had access to my BBVA online accounts, all my bank account numbers were switched, and I still do not have access to our BBVA bank statements prior to the conversion. Also, all my " Bill Pay '' payments scheduled to be sent by BBVA were no longer sent out by PNC. This caused payments to be late.
Consumer complaint received 2018-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2018 my checking account was charged a {$15.00} maintenance fee for account that was fully funded. I called TD Bank customer service to rectify the situation but XXXX the agent locked up his computer and refused to assist me. Soon after I sent said bank an email with my concerns and have not receive a response.