davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. ()

Hey, My credit card have been double charged for a transaction with Coinbase and I've still not been reimbursed. I've tried to get in touch with the company, but they have only let me talk to a robot, or sent me automated emails. 

Date of transaction : XX/XX/2017 Both transaction charged an identical amount of XXXX XXXX XXXX  The first transaction was consensual and I got what I paid for. 
However, the second was not.
Consumer complaint received 2023-01-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (VA)

I have tried to call Synchrony Bank for the XXXX XXXX Credit Card in the past to provide my contact information and I was forward around to other department and direct to an attorneys office to be sued. Today, XX/XX/2023, I attempted to contact Synchrony Bank and provide my information. I spoke to XXXX and she gave me the number XXXX and transferred me. The call disconnected after the prompts I followed to press XXXX. I recently got a name change and I was trying ensure its updated everywhere, however, it seems as if no one wants to update my information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I feel as if I am being discriminated against for trying to update a name change and pay a bill. I am not treated fair or with dignity.
Consumer complaint received 2023-01-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Balance Owed : {$1200.00}
Consumer complaint received 2021-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK (IL)

I recently received a notice from TCF bank stating that my account had a balance of XXXX, and was being close. Upon inspection I see that they have been charging me a dormant account fee, depleting the balance of the account, and then running it negative. 

This is a local branch I use for cash exchange, and given COVID I have not had a need to go in. I received no notice of this account being dormant, or that fees were being taken out.
Consumer complaint received 2020-11-26
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have disputed items with all 3 Credit Bureaus over 2 years the still havent corrected it! 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Ga. XXXX See attached XXXX
Consumer complaint received 2019-11-05
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 — Was not notified of investigation status or results
Company: Massachusetts Educational Financing Authority (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-03-26
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. (MI)

I have sent n numerous request to XXXX about my credit report being inaccurate and things being erroneously reported. I have contacted the creditor as well and was told that they had contacted the bureau of the mistake. Well the information has not been changed nor deleted. I feel as though my rights have been violated I am asking for an investigation to take place with experian. My credit score has been affected due to the wrong information. I first reported on XX/XX/2020. I have been stressed during this pandemic and some things have been delayed, I have also had a financial hardship and need to get my credit back in order. It is really taking up alot of my time to get no results.
Consumer complaint received 2020-10-13
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. (GA)

THESE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WAS OPEN WITH MY PHOTO ID AND SOCIAL SECURITY NUMBER SOMEONE USED MY INFORMATION WHICH I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-07-10
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. (VA)

During the investigation into Dispute Confirmation # XXXX, Equifax refused to accept my official documents showing my first delinquency that showed an account was outdated due to the negative information reported.
Consumer complaint received 2020-11-26
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. (VA)

I sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2021-04-27
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: EQUIFAX, INC. (GA)

Im submitting this complaint against EQUIFAX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. This company continues to electronically verify this " ghost '' account without providing any legally binding evidence, such a signed contract and a complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, this company refuses to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. Its causing me so enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I submitted a complaint on XX/XX/XXXX regarding a dispute that still has not been resolved. On the XXXX of XXXX I received an email stating my accounts were closed. I went to the bank and was told my account is under investigation since I filed a complaint with CFPB and I couldnt get my funds until the investigation is complete which could take up to 90 days! So they close my account with ALL of my money in them and then wont give me my money. So how do I survive with NO MONEY AT ALL! Capital one didnt list a single thing wrong with my account only that I filed a complaint with CFPB. I havent even had overdraft fees on this account Capital one is upset about my complaint and retaliation against a consumer is not ACCEPTABLE!
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I am writing to express my vehement objection to the blatant violation of my rights and the egregious disregard for consumer protection laws by your company. This is nothing short of fraudulent behavior, and it is imperative that you address this matter promptly. 

The unauthorized sharing of my non-public information is not only a breach of privacy but also a clear infringement upon my rights as outlined in 18 U.S. Code 1028A. I want to make it explicitly clear that I did not provide consent or authorization for the dissemination of my personal information.

Furthermore, your reporting practices are in direct contravention of consumer protection statutes. According to 15 USC 1681 section 602 A, I am entitled to privacy rights that have been callously disregarded in this situation. Additionally, 15 USC 1681 Section 604 A Section 2 explicitly states that a consumer reporting agency is prohibited from furnishing an account without my written instructions.

The violation continues with 15 U.S.C 1681c ( a ) ( 5 ) Section, which expressly prohibits the inclusion of adverse information in a consumer report that antedates the report by more than seven years. The persistence in reporting such information is not only inaccurate but also constitutes a direct violation of the law.

Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) unequivocally states that a person shall not furnish any information to a consumer reporting agency if there is reasonable cause to believe that the information is inaccurate. It is abundantly clear that your actions are in direct contradiction to this provision.

I demand an immediate investigation into these egregious violations and an explanation for this unconscionable breach of privacy. Failure to rectify this situation promptly will leave me with no choice but to pursue all legal avenues available to me to ensure justice is served.

This matter requires your urgent attention, and I expect a comprehensive response within the shortest possible time frame.
Consumer complaint received 2023-01-08
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: Self Financial Inc. (CA)

I received a letter from the company listed below stating that the following accounts where verified & that a through investigation was done. How did they do a through investigation when according to the FRCA the term investigate conusomer report mean a consumer report or portion thereof in which the information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or others with whom he is acquainted or who may have knowledge concerning any such items of information. So how was there a through investigation done if they did not interview any one & provide that information this is a violation of my rights according to the law. I demand that the accounts be removed immediately. Also every piece of information on these accounts is still not reporting 100 % accurately & according to the FRCA 15 U.S.C 1681 everything has to be 100 % accurate.

Accounts : Self/Lead-XXXX Selfinc /Lead-XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2021-07-20
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. (PA)

I spoke to Experian due to a 43 point drop that did not have a clear reason. I used {$1500.00} of a {$2500.00} line of credit and paid it all off in less than 30 days. My score dropped 43 points. I called and received no explanation. Their algorithm is completely wrong and it is affecting my ability to be approved for lending.
Consumer complaint received 2020-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I have Venmo account that should have over {$1000.00} in. I went to the website to transfer the balance but the website has been deactivated. When I try to log on the phone app it says SERVER ERROR. When it seems that I got on to the app, it doesn't show recent transactions and shows {$0.00} in my account balance. I deleted the app and reloaded it, but that didn't work either! 

I tried to call Venmo but they are not taking calls at this time and no way to leave a message. I filled out the XXXX email request for help and received an automated email reply with suggested articles that DO NOT address the issues. 

What is going on with Venmo? Are they keeping my money? 

Please help me confront Venmo so I can get my money!
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received all my documents from the company XXXX XXXX XXXX dated XX/XX/XXXX as paid in full. I have the title and payment contract. It was reported XX/XX/XXXX that I owe on the vehicle and that is not true. If I owed anything, I wouldn't have the title to the car. It may be a flaw because on the credit report they are now under a different name or company. I need this removed from all 3 credit bureaus as soon as possible.
Consumer complaint received 2020-11-23
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: The CFM Group (FL)

I received a few phone calls from this number telling me that I had an outstanding credit card debt from 2016 I informed them that I didn't have any credit cards back then they started threatening me telling me that they needed an address so that I could be served papers and it was going to cost me another XXXX to XXXX XXXX in legal fees so I paid it on my credit card this is the name of the group and the phone number associated with itXXXX XXXX XXXX XXXX XXXX. I paid a total of {$1500.00} on XX/XX/XXXX. I've been doing a lot of research since then and found that I did not owe any debt and I'd like my money back
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I am a military Veteran and have been a member of USAA for 55 years, as have been my family, including my former wife, who had a credit card with me. 

In 2019 we divorced and USAA has their policy to separate divorcing couples and forced me to close my credit card, which was below its limit, and refused to open one just in my name. So I opened a credit card to pay off that debt at zero limits, which only lasted for a year as I had been hacked, they caught the thief but I couldn't get a freeze off on my credit, and USAA limited my membership based on something other than my creditworthiness when I tried to transfer the small remaining dept back to USAA saying the reason was " previously submitted credit card application pending fulfillment ''.

I had transferred from USAA to another bank, where I also paid on time, and my FICA score is XXXX XXXX, XXXX  XXXX, and XXXX XXXX but XXXX still has a freeze on my credit that seems very outdated and I have been unable to unfreeze it, but recently I bought a {$24000.00} car, which required calling XXXX to release the freeze which evidently was temporary. I haven't been able to get any credit at all because of this freeze that USAA knows about yet did nothing to assist me. 
I am a divorced XXXX-year-old male, in good health, financially solvent which USAA knows as they have been my main bank for 55 years and have all my financial data. and
Consumer complaint received 2019-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Robert J. Colclough, III (CA)

XX/XX/XXXX received notification from my employer my wages were being garnished XX/XX/XXXX. I sent a certified letter requesting information of the name of the original creditor, the amount owed to that creditor at the time it was transferred, a copy of the last billing statement, and when the creditor claimed the debt became due and when it became delinquent. XX/XX/XXXX I received a court document with a different attorneys name ( dated XX/XX/XXXX ) and a typed written letter citing original creditor was XXXX with a current stated balance {$10000.00} dated XX/XX/XXXX. I have obtained a copy of all three of my credit reports and indeed there is a student loan from XXXX for a student loan opened XX/XX/XXXX {$10000.00} it was transferred to another lender and closed XX/XX/XXXX my credit report supports I paid as promised 4 years until the account was closed. I filed for a claim of exemption and the attorney sent notice of opposition and a notice to appear XX/XX/XXXX ( memorial day ) when the courts were closed. I did call the court and verify the date, so I would not miss court. The judge would not review my credit report as a character reference.
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Google Compare Credit Cards Inc. (CA)

XX/XX/XXXX I installed on my TV the program XXXX  XXXX  from Google. On XX/XX/XXXX I unstalled this program Never watched no more. In XX/XX/XXXX I notice that My creedit card XXXX  XXXX statement ending in,,,,,,,,,,,,,,,,,,,,, XXXX there was still from XXXX XXXX in the amount of {$64.00}, XX/XX/XXXX, I called XXXX Ph XXXX XXXX XXXX, I spoke with a lady about noon time asking her to cancel my suscription .She said she took care of it. However I noticed that my Credit card statements show the same monthly amount until now. XXXX XXXX sent me leters with a lot letter with questions and the reason why I wanted to discontinue my XXXX? I told me that XXXX XXXX, which I have, similar programs I did saveral attempts to call Google They put me on hold for hours and finally they hang up on me Late XXXX, I asked XXXX XXXX Representative to enter a three party conference call : Myself, XXXX XXXX and Google., We called Google Ph # XXXX XXXX XXXX Put us on hold for two hours. XXXX XXXX Representative said sorry I can not wait long. I tried again next day. They give you a lot of options to log in using a computer There is not XXXX option English is my secon language, I just could not do it. I decided to retain the services of XXXX, XXXX  This company helped me to cancel my suscription of XXXX XXXX   which was canceled on XX/XX/XXXX. However XXXX is still charging the monthly premium of {$64.00} XXXX see attavchments ) The same thing is happening with XXXX XXXXbill phone XXXX XXXX XXXX, I never solicited movies program. They are charging me {$290.00} /month in my XXXX XXXX credit card ( see attachments XXXX XXXX XXXX said thet would not stop XXXX and XXXX from paying them. That I have to do it myself or with a court orders, I explanined that I tried many time and I can not contact them y phone
Consumer complaint received 2021-06-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (AZ)

Bought furniture from Mor Furniture Financed it through TD Bank made all timely payments made final payment on XX/XX/2020 Our credit report still shows an outstanding balance.