davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-28
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 — Was not notified of investigation status or results
Company: HYUNDAI CAPITAL AMERICA (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2017 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 2021-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc. (OH)

I have contacted XXXX and they have said there is no such bill outstanding due them.From my account. I have since closed my account. 


First notice for collection was recieved on XXXX from : XXXX XXXX XXXX XXXX XXXX 
Phone No. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
The notice said I owed {$120.00}. 


The second notice I recieved was from a different place. This notice said same amount {$120.00}. 
SiMM Associates , INC . 
XXXX XXXX XXXX XXXX 
XXXX, DE XXXX phone no. XXXX When I called it went straight to music. 

My name is XXXX XXXX XXXX XXXX phone no. XXXX
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MI)

ORIGINAL TRANSACTIONS ( authorized ) Oldest to newest : XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$15.00} XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$10.00} XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$12.00} That is exactly how they appear on my credit union transaction history. The only information removed is my debit card number. These were authorized and acceptable. Now, here comes the problem. 

XX/XX/XXXX I check my history to find an entire double unauthorized set of transactions all posted at the EXACT same time but with slightly modifed decription : UNAUTHORIZED TRANSACTIONS : XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$15.00} XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$10.00} XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$12.00} As you can see, they changed the charge and added " XXXX XXXX '' to it. They still have the original date at the end. These are NOT authorized in anyway. I have NOT made any purchases for virtual currency on XX/XX/XXXX. 

The original transactions POSTED and the money was REMOVED from my checking account via the debit card. The unauthorized transactions POSTED and the money was REMOVED from my checking account. 

I have sent in a ticket but haven't heard anything back and have Case ID : XXXX was on the phone waitning for a rep for an hour, heard someone breath, then got hung up on.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am incredibly depressed due to my finding when investigating my credit. There are a couple unverified and unwarranted errors that are highly affecting my credit and in turn my life. It is clear to me that the bureaus did not make sure that the information they were reporting was accurate to a tee. I can not continue to handle these problems and need a fix now.
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without any written instructions.
Consumer complaint received 2021-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation (TX)

I purchased and financed my home XX/XX/XXXX with SWBC. The company has been less than forthcoming about how my Escrow account is maintained. I deposit Taxes and Insurance along with the Principal and Interest to the account since inception. Currently they have decided that my account is short and my payment is now almost {$1000.00} more a month for what I believe is due to mistakes this company has made during the short length of my loan. I'm XXXX XXXX XXXX, still have to work, but am on a fixed income. was informed of this increase the month before it was due to increase. 

I have sent much correspondence since XXXX, XXXX to SWBC with convoluted responses and no one addressing my real concerns about mishandling of my funds. 

I am also attaching the back and forth messages between myself and the many responders from SWBC
Consumer complaint received 2023-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paypal Holdings, Inc (NY)

Hello, XXXX You've successfully sent {$370.00} to XXXX XXXX. 
XX/XX/2023 XXXX ID : # XXXX It take XXXX for this transaction to appear in account statement. 
Order Details : You Sent {$370.00} USD To XXXX XXXX XXXX : {$370.00} Issue With Transaction? 
You have XXXX from the date of this transaction to open a dispute. 
XXXX : XXXX ( XXXX ) XXXX If you have any queries regarding this deduction kindly call us our support team will help you XXXX at XXXX ( XXXX ) XXXX Thank You PayPal team Please do not reply this Email. This Email is not monitored and you will
Consumer complaint received 2021-10-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal CU violated The Fair Housing Act, Fair Lending Laws as well as RESPA-TILA by excluding taxable bonus income, financial reserves and retirement during the application process for the purchase of my current home. NFCU also failed to conduct a timely review of the application during them buyer financing contingency period of TREC 's resale contract which would have resulted in unrecoverable loss to the consumer ( myself ). I am asking that CFPB evaluate the actions taken during the determination process in an effort to address the potential discriminatory conduct and/or patterns of practice exhibited by the assigned NFCU employees XXXX
Consumer complaint received 2020-06-04
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 recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind it. I knew my credit was good and there was no way. I then pulled my credit report and saw an outrageous list of accounts that do not belong to me. I have never seen these accounts please delete these accounts from my report.
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately.
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: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

In accordance with the fair credit reporting act XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX Portfolio Recovery has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604A Section 2 : States that a Consumer Reporting Agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I had applied on line for a small personal loan. The amount was {$5000.00} I was approved and was sent a bank cashiers check from XXXX XXXX for {$4800.00} I dont know why it was not for the full amount of {$5000.00}, but I thought maybe it was for fees involved. 
I went to my bank Bank of America to deposit it, on XX/XX/2018 I showed it to the teller and asked her if it looked ok, and she said yes it looks good. 
So I deposited the check. 
The check did not clear, they told me it was a fake check and they closed both my accounts I had with them. 
First of all I have been in business for myself for 41 years. I take extreme pride in my work and I have always done the right thing. 
Second why would i deposit a check I know is fake, I mean come on really. 
Like I said I always do the right thing and am highly insulted that they think I would deposit such a check. 
Over the years I have for business purposes received small loans and merchant loans. 
I dont understand the motive behind the fake check they did not charge me anything so I don't get it why they would send me a fake check. 
I called Bank of America and spoke to someone about the situation and explained the whole situation that obviously I did not realize it was a fake check and if I thought was fake I wouldn't even attempt to deposit it. But Again I showed it to the teller initiation was fine. 
The woman I spoke to was very rude to me and treating me like a criminal, it was very upsetting I didn't get her name really wish I did. 
She told me I could never open another account at Bank of America and I will be on XXXX  for the next five years I find this to be totally unprofessional and not fair, I am an honest hard-working businessman and to be treated like this wrong and its effecting my business and lively hood. Being on XXXX will affect me financially because being self-employed I use my bank accounts for Business. 
I would like my 2 bank accounts reinstated and be off XXXX Thanks
Consumer complaint received 2021-10-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ive disputed several times incorrect informatoion on my report from XXXX XXXX XXXX  and XXXX XXXX
Consumer complaint received 2024-02-05
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)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # : XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO - PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This account was paid with the agreement that it would be deleted from my credit. This account is with capital one that was transferred to XXXX XXXX to recover collection. This account still shows on my credit report and this account was paid back in XX/XX/2021. 
Account number for capital one XXXX Please remove as agreed on.
Consumer complaint received 2020-07-12
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. (CA)

Experian is reporting false information and refuses to fix it. I have 4 student loans that reflect 8 late payments of 90 and 120 days. I have disputed the information and some of the information was corrected but the most imperative has not been changed. My score has decreased by 150 points due to false information. The attached documents clearly shows that all 4 accounts are in good  standing. This credit hiccup has affected my entire existence in regards to my business and personal life. I was approved for an XXXX XXXX and XXXX XXXX in which was to be used to fuel my Covid-related business related XXXX  with a XXXX  to help the community. My loans and funds that were set aside for my business were denied during the underwriting process prior to funding. A second lender herd my vision and tried to push my loan through twice and still was unable to get funded to to credit history and delinquent accounts. I am looking for housing and I am not credit worthy to purchase a home and honestly cant even find any temporary housing until I am able to finance due to my score. Please help me!
Consumer complaint received 2023-01-18
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. (TX)

I am filing this dispute because XXXX XXXX reported I missed XX/XX/ payment when in fact I made the payment on XX/XX/ and funds were available. XXXX XXXX department advised me that my personal checking account was frozen when the payment tried to post. I advised them that I wasn't aware of any freeze regarding my account and that I deposited funds for this payment that was available. XXXX  customer service advised me to contact a local XXXX XXXX to provide a letter stating this bank error. I scheduled a meeting on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with XXXX XXXX. I explained to XXXX XXXX what customer service stated I need to correct the mortgage payment reporting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer Service Rep ) the attached email stating this was a bank error and my account status at the time of posting. This delinquent reporting should be removed immediately.
Consumer complaint received 2024-02-05
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: Experian Information Solutions Inc. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (WA)

To whom it may concern- Starting in XX/XX/2017, I've been having difficulties with my now former financial institution, Wells Fargo . They assigned me a new bank account that I did not authorize, and withdrew funds when my account balance was low. They sent me a new debit card that I did not want. I also have asked for my personal line of credit balance and they gave me the wrong amount owed. They have not sent me the personal line of credit statements that I requested. 

Please resolve this as quickly as possible. Thank you. Sincerely yours-
Consumer complaint received 2021-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

After recently signing up for " XXXX XXXX '' to try and improve my credit score ; I noticed an unfamiliar debt ; that had entered into collections. Note ; at first I assumed it was an old debt of mine, as I did have a XXXX XXXXXXXX card, back in XXXX ( closed by XXXX ). 

The collection agency sent me " validation of debt '' paperwork including an account statement ; the statement did not refer to my full legal name, and was using an address I had not lived at in over 5 years. 

I recently was rejected by a bank for a loan, and she said this collection was the sole reason ; and I needed to deal with it. 

I have tried several things to get them to REMOVE THIS INVALID DEBT ; thus far to NO avail. 

I did not authorize, receive, utilize or have knowledge of this account. 

Best Regards, XXXX XXXX
Consumer complaint received 2024-02-05
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: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
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. (MD)

In Accordance with the fair credit Reporting act XXXX XXXX Account # 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 account without my written instructions.
Consumer complaint received 2021-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COMMUNITY FINANCIAL SYSTEM, INC. (NY)

I went through the process to dispute a fraud charge on my bank account with Community Bank NA. I followed what I needed to and found a hat it was denied due to more charges from that same retailer I also did not make any of those. So instead of providing good customer service the lady decides to tell me its my fiscal responsibility to manage my bank account. I am well aware of my responsibility but I did not make these charges and from then on I was very angry and upset. This could have been managed a lot better than giving me, the customer attitude. I am trying to get things better with my banking and I dont need to be talked to like that. I have again put in a dispute for these charges that I absolutely did not make and will pursue further if they are not dealt with correctly. 
This was beyond bad customer service and I am appalled that as a customer I get talked to like this.
Consumer complaint received 2023-04-03
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. (GA)

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

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 XXXXXXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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 2021-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

Because I am retired I have to file estimated taxes. In XX/XX/XXXX I wrote a good faith check to the IRS for {$2600.00} mailing it in an IRS envelope to their address Because of the delay for Covid they did not notify me until XX/XX/XXXX that they did not receive my payment and wanted me to pay it again plus penalties and interest My Bank, Citi Bank cashed the check in XX/XX/XXXX leading me to believe that the payment was made I got the check returned in my bank statement. But on examination of the check in XXXX Citi had cashed it to someone else not the IRS The bank will not refund that money into my account I fully believe they are at fault since the IRS normally endorse the check with numbers but this check was signed by two individuals so should never have been cashed by Citi
Consumer complaint received 2018-02-03
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: EQUIFAX, INC. (CA)

on XX/XX/17 I sent letters to equifax, XXXX  and XXXX  requesting that fraudulant information be removed and corrected on my credit report. None of these companies have responded to my demands.