davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-07
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. (MA)

I acquired a copy of my credit report from all three credit bureaus in XX/XX/XXXX. I discovered an account called XXXX XXXX XXXX XXXX that was opened in XX/XX/XXXX. This account seems to be for an auto loan and has a balance of almost {$5000.00} USD. I contacted all three of the credit bureaus and reported this as Fraud. They conducted an investigation and disputed the information with the creditor. The results of the investigation came back and the creditor replied that the account is verified and belongs to me. I spoke to the credit bureaus again and they told me that if this account is really not your account, then I should start another investigation and this time the subject of the investigation will be Identity Theft. They also told me that if I submit a personal statement and obtain a police report. Then that can be included in the investigation as documents supporting your case for Fraud and Identity Theft. Once again the results came back with the same results and response from the creditor. I proceeded to resubmit a dispute to the credit bureau Equifax almost every single month. I also contacted the creditor multiple times and the last time I contacted them I was so frustrated and just wanted this inaccurate information off of my account I told the representative that I would just pay whatever money is owed so that they can be satisfied and remove this account from my credit report. I was told they can not do that and if I did that. The account balance would be reported as {$0.00} dollars but the account would still remain on my report until it falls off. In the meanwhile as I was dealing with this, I did receive a correspondence from the creditor with some kind of fraud questionnaire and affidavit. I filled out this information and sent it to them. 3 months have passed by and I didn't receive a single response. I find this company very unprofessional, it seems like they are just playing games and trying to give me the runaround. With the many investigations that I submitted against this creditor they have yet to send any proof that this account belongs to me. If they fail to do so then they are not legally fulfilling their obligation as a creditor in this situation. For more the account should be removed from my credit report immediately. This is causing me personal loss because this account is showing future creditors that I am irresponsible and present myself as potential credit risk for any and all future credit decisions.
Consumer complaint received 2017-11-17
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. (OH)

I have wrong letters and contacted both Equifax credit and XXXX about the hard inquirys recently put on my credit they have refused to remove th hard inquiries and it was not me none of the hard inquiries was me for auto loans. They told me I need to place a police report the police said that no crime has been committed so Im at a rock and a hard spot. But here has been XXXX hard credit pulls for auto loans most of them where done from XXXX XXXX 2017 to XXXX XXXX 2017 My name is is XXXX XXXX
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Checking my Credit report information during the last weekend of the year, I 'm found that appears, XXXX XXXX diferents address in my personal information. that information is Wrong and XXXX. 
My only reliable and thrust permanent address since more than XXXX years, its the Next : XXXX, XXXX XXXX NY XXXX. 
The other XXXX address that appear in my Credit bureau, could be a fraud or intent of stolen identity. 
Please feel free to contact me.
Consumer complaint received 2021-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

I had a Synchrony Bank credit card XXXX account that was charged off. I settled this account out directly with Synchrony Bank for {$840.00} and the payment cleared my bank account. Months later now I am getting contacted by a collection company called XXXX XXXX trying to collect on the same debt. Not only has the account been resolved it is still on my credit file as if I owe and now a collection company is reporting I owe as well. 

Please help
Consumer complaint received 2021-08-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (TX)

Currently I am dealing with the second account restriction in less than 3 weeks with Coinbase. 

Im sure you receive lots of complaints regarding Coinbase, however their support is unresponsive. I have done absolutely nothing wrong and they will not disclose why they have restricted my account or what I can do to get it unrestricted. They are holding my money XXXX. 

I was able to get it resolved 2 weeks ago, but they recently restricted me out of nowhere again a couple of days ago. Im a fully verified ( KYC ) user with the highest level of verification - government ID and address/DOB provided to Coinbase. Other than general trading on their platform, there is nothing I could have done to get a restriction. 

Coinbase will not assist me or provide any type of transparency regarding this issue. I am asking for your help. 

Coinbase case number XXXX Coinbase complaint case number XXXX Best Regards.
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (GA)

I purchased in-ear headphones from XXXX in XXXX of 2021 for {$5.00}. I understood that to be a single purchase with no recurring purchases intended. I apparently did not notice that they would continue billing me for additional services and products. They claim they sent an additional product for which they debited my account {$110.00}. I contacted Comenity and told them I had been defrauded and charged for something I did not receive. Comenity chose to believe the merchant over me and refused to remove the charges. I spoke with Comenity repeatedly disputing the charges. They refused and I closed the account. Although I understood from representatives with Comenity that the case was once again being investigated, they assessed me a late fee in addition to the original bill. Finally, after complete frustration, I contacted Comenity today and asked them to remove the late fee and I would pay the balance on the account. They refused to remove the late fee saying the account was closed. I want others to know how Comenity treats its customers. I have attached supporting documents relative to my plight with Comenity
Consumer complaint received 2020-09-09
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 (TX)

Filed complaint against capital one/Walmart on XX/XX/XXXX.the complaint id number is XXXX.requested a copy of the authentic signature of original contract and it was not provided.instead they opened a fraud investigation and I did not ask for a fraud investigation.applicable federal and state laws states that if requested documents not available that account has to be deleted off the credit reporting agencies.
Consumer complaint received 2016-12-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

The inquiry XXXX/XXXX/16 from XXXX XXXX XXXX XXXX i did not authorize, all i did was call and get a quote for service. I did not not order service or authorize a credit inquiry, or was i told that one would be ran. I have contact XXXX several times asking then to remove it and was told that it would be but it remains! I have all so contacted Equifax and has been told that i ca n't dispute an inquiry and they can not remove it.I did not authorize the inquiry so remove it.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (NY)

XXXX Hard Inquires Alert on XX/XX/22 my credit report was requested for a Comenity Bank/Sony/XXXX XXXX XXXX XXXX a credit card I did not apply for. This is a HIGH alert and remains on my credit for 2 years. I called XXXX and they reported to their fraud department, inquiry to be removed in 24 to 72hrs. XXXX Rep suggested I report to you FTC.
Consumer complaint received 2021-07-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (IN)

I called Lending Club on XX/XX/XXXX to cancel my non-funded loan. The initial representative along with the subsequent representative appeared invasive and hesitant to process this request. The second representative cautioned me not to spend any money from the loan. The loan was not funded prior to me calling. I logged into my Lending Club account and it show the loan was funded and complete. I did not trust that this representative ever entered my request at all. I called back to confirm the the cancellation request and again I was promised by XXXX? ) that the cancellation request was processed and she stated I'd receive a email confirming my cancellation request. She also advised me that there was no cancellation request previously entered that she could see. I then logged into my XXXX XXXX account and seen that the account was not funded. Granted I do not want this loan. As I explained to representatives i got a much better rate locally. LC is trying to force me into this loan. 
Additionally, and most recently I continued to email the company regarding my previous request. The company finally sent an email today ( XX/XX/XXXX ) stating that my payment on this loan would be XXXX the cash out amount of the loan minus their {$1000.00} fee. Due on XXXX the XXXX. I previously established with this company that my XXXX XXXX XXXX was returning the the funds which in they ( XXXX XXXX XXXX did to the LC account the funds cames from. So essentially LC is intent on trying to get their fee regardless. Regardless, to that their very own policy states that a borrower only needs to call them and establish their refusal to receive the loan. I did that even prior to the loan be mysteriously deposited into my XXXX XXXX account ( after ) my cancellation request howbeit. Lending Club 's policy does not state ( currently at least XXXX that the borrower will be charged any fees if they are notified with the 5 day period after the loan. I clearly notified LC but the representatives did not follow through and process any of my two ( 2 ) requests for cancellation of the loan. So LC will ( attempt ) to hold be liable for the {$1000.00} ( processing fee ) despite there being no company policy to support this charge. I in-turn will not pay this amount. My account access has also been denied every since my cancellation request. In addition a XXXX  complaint has been filed and ignored by this company per their response on XX/XX/XXXX and a certified letter mailed to the company along with multiple emails.
Consumer complaint received 2016-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX. Removed all of my payment credit history for my truck loan for 5 years of paying on time never late because they reported to all XXXX credit agency of first XXXX late payment then second late payment due to me disputing there action on my credit soon after that my credit score went from good to poor. I applied for new line of credit and a new credit card from my own unions who I am a active member and was turn down credit due to what was on my credit and my credit score Not enough credit information insufficient credit history revolving trade highly utilized or credit line not available this is n't fair to me I just purchase my VA home in XXXX 2016 and ca n't get a new line of credit or a new credit card to transfer my balance because XXXX XXXX XXXX deleted all of my payment history from my own unions programs after paying a 5 year truck loan to establish excellent credit that I have personal worked very hard on maintaining. Thank you, XXXX bless you and your Family!
Consumer complaint received 2022-08-11
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, XXXX. XXXX
Consumer complaint received 2015-09-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (CA)

I have contacted my mortgage company now XXXX times to request an assistance packet. XXXX by phone and XXXX via there online " contact us ''. In my initial call to my servicer, I was told by a collector that I am a first payment default and that this was worse than a bankruptcy on my credit. He proceeded to tell me that a modification in NOT an option. My loan is not even a first payment default. The XXXX time I called I was again quoted a 24hr turnaround time to receive the packet. Which as of this date, I still DO not have.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I opened a XXXX XXXX card and was approved for {$500.00}. I have not used XXXX XXXX XXXX and the lender closed my account due to inactivity. Somehow someone was able to fraudulently reorder a card on a closed account and was approved for over {$18000.00}!!!!!!! I don't get how XXXX XXXX could have authorized such mess without properly verifying this account and I am honestly disgusted by how careless they are with their consumers information and account access! I would like this account either removed or reflect accurate account status. I have provided documents to support my position in this matter. Please see to it that they verify and validate this account using accurate and consented information made by myself! I do not owe XXXX XXXX a thing and will not pay a frauds balance!
Consumer complaint received 2020-04-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (WI)

I opened an account at the US Bank Branch at the XXXX XXXX branch in XXXX, WI. She opened the account for me and the next day the account was on hold and then closed. I was told to talk to the branch manager at the location and I did, he told me that " we choose who are customers are '', meaning this is XXXX and judgmental, because I am white, I am not allowed to bank at US Bank. I feel like this comment is a violation of my right as a customer and the fact that I was judged based on who I am as by race. 

I also was a customer for long time prior to this, and I don't owe the bank at all. I would also never given a reason to why the account was closed.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 I received my temporary XXXX payment on my Bank of America EDD debit card not 10 minutes after the money posted I had XXXX dollars transferred to an unknown bank acct. I called them immediately and filed a claim less than a week they denied it I filed a reconsideration that was denied even after I did what I was advised to do ie : filed a police report, sent in a letter letting them know I never authorized a one time transfer to this other unknown acct, that if I had it would have gone into my personal acct ending in XXXX that if I had it would have went into my personal acct. And a copy of my personal bank acct. I am now as of XX/XX/2022 on my 3rd reconsideration with no help insight from Bank of America claims department. I have requested the documentation they used to deny my claim they sent a transaction report that's it I have no Bank of America near me where I live. All the info I get is that this money went into acct number ending in XXXX I am not associated with this acct.
Consumer complaint received 2022-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX, and XXXX  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 a account without my written instructions.
Consumer complaint received 2023-02-07
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: AmeriCollect (IN)

IN REFERENCE TO Americollect XXXX XXXX : ACCOUNT XXXX XXXX as of XX/XX/2023, This agency has yet to verify after 2 attempts and UNDER 15 USC 1681 SECTION 604 STATES THEY HAVE VIOLATED MY RIGHTS AS A CONSUMER AND NEVER HAD A WRITTEN CONSENT TO DO SO.!! PLEASE DELETE!
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BANK OF AMERICA XXXX XX/XX/2021 XXXX Direct Deposit Funds Transfer to checking/savings $ XXXX BANK OF AMERICA XXXX XX/XX/2021 XXXX Direct Deposit Funds Transfer to checking/savings $ XXXX Totals {$0.00} $ XXXX BANK OF AMERICA XXXX XX/XX/2021 XXXX XXXX Deposit Funds Transfer to checking/savings $ XXXX BANK OF AMERICA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX Transfer Return {$5000.00} BANK OF AMERICA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX Transfer to checking/savings $ XXXX CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$1500.00} CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$1500.00} CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$1500.00} CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$1500.00} CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$1500.00} CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$1200.00} CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$900.00} Totals {$14000.00} $ XXXX
Consumer complaint received 2021-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I have problem with chime bank A unauthorized transaction made to my debit card and i didnt notice right away. Now on XX/XX/21 i filed a dispute telling them that the transaction unauthorized or fraud charge {$1500.00} but my claim was denied base on research no error Case close even my account was close My debit card info was compromise or stolen Claim id XXXX Date error reported XX/XX/21 Claim amount {$1500.00} Chime bank
Consumer complaint received 2024-02-27
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. (TN)

Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I regard this matter with utmost seriousness. Should you fail to address my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I hereby request a thorough reexamination of the following information and ask for evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Should you be unable to provide such evidence, I demand the immediate removal of these items from my report.