davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-26
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: Experian Information Solutions Inc. (TN)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit loan under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CO)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2024-08-20
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: EQUIFAX, INC. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my profiles. The account being reported by XXXX XXXX XXXX is hurting my ability to obtain credit. It is my understanding that you will investigate these accounts for me to ensure accuracy. 

Here are the accounts I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX/ XXXX Equifax : XXXX XXXX XXXX/ XXXX XXXX : XXXX XXXX XXXX/ XXXX This item was handled in the Magistrate Court of XXXX XXXX in the State of Georgia on the XXXX day of XXXX, 2024. The claim presented by XXXX XXXX XXXX has been dismissed with prejudice and can no longer be collected upon. This item needs to stop being reported to all of my credit profiles immediately. 
I have attached a copy of the case dismissal from the Magistrate Court of XXXX XXXX. Please remove the following account from my credit reports. Your cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2021-12-01
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: Experian Information Solutions Inc. (GA)

OnXX/XX/XXXX - I received an alert that a medical debt collections was added to my credit file ( Experian ). This debt was paid with the original creditor and a letter was provided that states all debt information and the entire reporting will be removed from ALL of my credit files ( XXXX, Experian and XXXX ). I am showing that it was removed from XXXX, but now it shows on on the others. This debt should have never been on my credit file as I never received any letters or calls and was told they had an old address that I have not lived at for several years. So, how was this even added to my credit file with no knowledge or no contact being made?
Consumer complaint received 2020-06-03
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. (GA)

I submitted disputes and affidavits, I got a response saying I can't be identified and I used a credit repair company. I am very upset because THESE ARE FRAUDULENT ACCOUNTS. So not only am I suffering with these FRAUDULENT accounts on my credit report, but I'm also accused of being too incompetent to file my own affidavit and disputes. I demand a response in 10 days. I also demand these fraudulent accounts be removed from my credit report ASAP.. If i dont have a response in a timely manner, I will be filing a complaint with the Office of the Attorney General.
Consumer complaint received 2018-02-19
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: PRESTIGE FINANCIAL SERVICES INC (IL)

I have no knowlege of the following inquiries on my credit report. I have disputed them on numerous occassions, and the companies have failed to correct the inaccurate information/inquiries reported to my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Prestige Financial Services XX/XX/XXXX
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (MA)

I paid this account back on XX/XX/XXXX @ XXXX. I spoke to a XXXX XXXX who recieved my settlement payment in the amount of {$190.00}. He then told me it would take 3 to 7 business days to recieve a settlement in full email. The issue that I am having is that the status was updated in XX/XX/XXXX with XXXX  with the new information. XXXX still shows the account as open and it is also being updated every month. The last update was on XX/XX/XXXX. I have sent numerous requests to XXXX   and have not recieved any response to my letters regarding this fact. I worked hand in hand with a HUD approved agency to remedy this issue.
Consumer complaint received 2018-02-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Santander Consumer USA Holdings Inc. (TN)

My loan interest rate is 24.9. In Tn I believe the max rate should be less then 24.00. The car sales man told me a different date at signing I was young and didn't have an adult to come and supervise me as I purchased my car. Santander bank is taking hidden fees and I can show you a payment history on my loan to prove it. I call and they don't know how to explain. My credit score was not bad at the time I got my car I just don't understand why I will be stuck with this loan for the rest of my life.
Consumer complaint received 2018-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I have previously tried submitting a complaint with this company.. XXXX XXXX was the original creditor. The amount on the alleged account is {$730.00} dollars. I C system has finally decided to respond only to say that they aren't the ones who brought the account although let XXXX XXXX says the original creditor was XXXX, yet the account is with them and they, ( I C system ) are the ones trying to collect this alleged debt.
Consumer complaint received 2021-04-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

My accounts were hacked and it looks internal. The full print out of transactions i recieved initially is not the same as what i recieved today. XX/XX/2021. Accts XXXX and XXXX were hacked and money stolen and transactions put in the system that are not valid to appear as though i did it. I put a fraud alert on my checking when i noticed my accounts were compromised and chase did not secure my money in any way and i continued to be hacked and money stolen
Consumer complaint received 2018-02-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NH)

I had BTC both in a wallet and a vault at Coinbase at the time BCH fork was created. An email from Coinbase said BCH would be delivered to customers in XX/XX/XXXX. A Coinbase article, stated those customers with BTC in a vault would receive BCH in a regular wallet. 

If my Bitcoin was in my Coinbase account rather than my XXXX account at the time of the fork, will I still receive my BCH? 

Yes, but the BCH amount youve been credited will appear in your Coinbase account rather than your XXXX account.Specifically, if your Bitcoin was in your Coinbase Vault at the time of the fork, your BCH will be credited to your BCH wallet in your Coinbase account.To access your BCH, log into coinbase.com where you will have the option to transfer to XXXX. ( XXXX | Bitcoin Cash FAQ https : XXXX ) On XX/XX/XXXX, a month early, Coinbase offered BCH to some customers and not all. There was a big press release where Coinbase stayed it had provided BCH to all customers with BTC at the time of the BCH fork. I received BCH for my bitcoins in their regular wallet, minus about a 6 % fee, but no BCH for bitcoins in their vault. The accompanying email stated Coinbase was working on providing BCH for funds held in their vault despite the article that said those customers would receive BCH in a regular wallet. 

( Screenshots attached ) After about 6 weeks and not hearing from Coinbase, I called their customer service department the first week in XXXX and was told Coinbase would not provide BCH to customers who held BTC in their vaults ( Screenshot provided ). I opened a ticket as advised and for the first time I received an immediate response from a representative at Coinbase who said they were working on the issue ( screenshot provided ) When Coinbase released BCH to some of its customers on XX/XX/XXXX, the following day on XX/XX/XXXX, BCH skyrocketed to about {$4100.00}. There was suspicion of insider trading and Coinbase conducted an investigation of itself. Since then BCH price fell over 70 %, Coinbases decision to provide BCH to some customers was financially harmful to other customers who were equally entitled to receive BCH but did not. They violated their own agreement, misled the public and probably broke laws around securities. A company can not selectively give dividends to some stockholders and not others at different times. Why should Coinbase be allowed to do so? 

I ask that Coinbase do the right thing and honor their agreement to deliver BCH to my wallet and compensate for the harm in its selective delivery of BCH to some customers with BTC ( at the time of the fork ) and not all its eligible customers.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (NC)

I have a home equity line of credit with Wells Fargo Bank. This account was included in my bankruptcy filing, however they continue to report this line on my credit report. 

I have made several phone calls and credit bureau disputes. This line continues to report.
Consumer complaint received 2022-01-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (TX)

On XX/XX/2022 at XXXX I received an email to my personal email account about a new Chime account that had been opened in my name. I did not open this account. I simultaneously received an email about a new login into " my '' Chime account from an android device in XXXX, Texas ( which was not me ). I originally brushed this off as spam to try and get my personal information but became more concerned when I received additional emails from Chime that seemed more official about welcoming me, sending me a new debit card, and also receiving a referral bonus. At this point, on XX/XX/XXXX I contacted Chime and let them know that there had been an account opened in my name fraudulently and to please close said account and to additionally advise me on what to do. I received an automated reply saying that they had received my email and I have heard nothing further. However, hours later, I received an email that {$200.00} had been deposited into my Chime checking account, which unlocked the debit card feature. Additionally, this afternoon on XX/XX/XXXX, I received a series of emails. The first explaining that my credit builder card had been shipped to my home address, and several emails following of several different people sending me a " {$5.00} XXXX XXXX '' which unlocked the account 's " XXXX '' feature, all followed up by a purchase at XXXX of {$360.00} to " XXXX XXXX '' that was approved and was " spotted '' {$60.00} leaving the account balance at- {$60.00}. At this point, I looked up the procedure on how to handle fraud and since I had already emailed the company Chime, I reported fraud to the credit bureaus. I also attempted to make this account unusable by whoever was using it by trying to recover this account 's password and then changing it, but when I submitted the " forgot password '' form, and instead of the security code going to my email, it went to a phone number that I did not recognize ending in XXXX. So I could not do anything further so I then sought to file a report with the Federal Trade Commission which redirected me to the Consumer Financial Protection Bureau.
Consumer complaint received 2018-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Closed : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX - The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-12-01
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. (FL)

On XX/XX/21 I sent in a FTC report, as the Federal Law tells me to do, Because I reviewed my report and noticed Fraudulent accounts or accounts that dont belong to me. I was told the would investigate. Well its been months. Nothing has changed. I started to do research and found per FCRA 605B All Fraudulent information must me blocked from my credit file. Its bad enough someone used my information, but the worst part is Im stuck trying to prove myself and get my identity back. Its is really sad. Its seems like I need to file a complaint against XXXX Equifax and XXXX with FTC and XXXX. Because Ive never done business these companies or entered into a signed contract with. 
XXXX. XXXX XXXX acct # XXXX XXXX. XXXX Acct # XXXX
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

My coverage under the Military Lending Act has been informed to Citibank four times. Under 10 U.S.C. 987 ( Military Lending Act ), all Active-Duty Members and their immediate family members are covered. Due to the fact that my husband is active duty, I am a covered member. Citibank 's credit card charges me more than 36 % interest, fees included. Citi Bank must void the illegal contract and issue a full refund in accordance with the MLA. While I have requested Citi Bank comply numerous times, they have refused instead claiming I am not a covered member. Although Citi Bank has access to the DOD data base that shows I am a covered member, they refuse to comply. According to the MLA, this is a criminal offense.
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

I have continuously disputed this account that IC Systems continues to report that is inaccurate information. I have requested numerous documents to review the alleged debt but only in return got a partial statement that did not detail binding this alleged debt to me. I have proven that the name is incorrect and also that I am not aware of this account nor is this mine. The company continues to report these inaccurate findings and has ruined my reputation and prevented employment in which during the pandemic is slim to none. IC Systems violated numerous. I have detailed all the violations and would like to move forward with punitive damages if the accounts are not removed. I have attached exhibits of the violations.
Consumer complaint received 2018-02-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (NH)

I applied for a payday loan with XXXX ( as it was advertised ) for {$1200.00} back on XX/XX/17 as I was in financial distress. This was done via phone and online. I spoke with a gentleman to complete the process via phone. I was not told of my APR on the phone when applying for this loan, I wish I understood it further as previously I had no issues when borrowing from them before. I have so far paid 14 payments back to date totaling {$4600.00}, I have a total of 20 payments. Upon reviewing this further, I found that this company may not be licensed in the state of New Hampshire to provide loans, if it so is, it's not in compliance with state laws on the max APR and amount allowed to borrow - state of NH states {$500.00} max for the loan amount and no more than 36 % annual interest. My interest rate is 720 %!!! Things like this need to be stopped. They have well enough got their loan amount back and then some.
Consumer complaint received 2018-02-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (NC)

Company : Aargon Agency, Nevada Debt Collection In late XX/XX/XXXX, I had several thousand dollars of medical bills accrue due to an accident. It was time consuming and confusing to sort out what was owed and to whom various payments were to be made. 

One day in XX/XX/XXXX, I received a call on my mobile from the above company. ( I can not provide the date as I now have a different phone and phone number. ) Their representative demanded a commitment from me to pay a medical bill. 
I explained that I was at the grocery store, and if he would call me back in a couple of hours, I'd be back home, able to take down the necessary information, and verify that his firm was legitimate, so that arrangements could be made to pay. The representative became rude, told me that he would close my case and report the bill as uncollected. He then hung up on me. 

I didn't hear from him that evening, or from XXXX ever again, nor did I ever receive written notice from XXXX. 

I finally contacted the initial payee, XXXX XXXX directaly and paid the bill. Please see the bank screenshot of this transaction. 

Recently it has come to my attention that XXXX reported the bill on my credit report. 

I filed a dispute with the credit bureau, who contacted XXXX, who refused to act and clear the debt. 

Saturday, I contacted XXXX directly. The representative told me that they did not receive the money ( the original payee did ), so they had to wait for the payee to advise that the bill was paid. I explained that I'd filed a dispute months ago, and asked how long it took for resolution. XXXX told me that it was " my fault '' for paying the original payee rather than them. 

I explained that their initial contact with me was their only contact with me, that I had no way of knowing who they were, and that I'd paid the bill. 

Not only have they not removed the derogatory account on my credit report, but THE DAY THAT I CALLED, THEY BUMPED UP THE CHARGE ON MY ACCOUNT ON TRANSUNION, CAUSING A FURTHER DECREASE IN MY CREDIT SCORE. 

Please help me.
Consumer complaint received 2022-05-01
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act. The List of account ( s ) below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Accounts # 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 2018-02-19
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc. (NH)

I keep getting a call from XXXX XXXX. Today at XXXX XXXX  was the latest. They are spoofing the caller ID to reflect that they are a Cell caller from MA. The number is XXXX. I feel this is a deceptive practice and they should be fined for using this tactic. When they started to go into their Collector speech, I hung up. They want to verify information that I do not want to give them.