davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (VA)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Account # XXXX To whom it may concern ; I am writing to request a goodwill adjustment to my payment history in regard to the payment that was made on XX/XX/XXXX. Said payment was reversed by Honda Financial because the account that was used marked Closed. 
On XX/XX/XXXX, I added a new payment account, XXXX XXXX XXXX XXXX Account # XXXX, Routing Number XXXX to my Honda Financial Profile. After adding the new payment account, I then went to payment option screen to make payment using the XXXX XXXX XXXX XXXX information. I entered {$500.00} and hit submit. 
On XX/XX/XXXX, I was notified by email that my payment was reversed because of the account that was used was Closed. I was quite puzzled because I would have never made a payment using a closed account. I called XXXX XXXX XXXX XXXX and asked if my account was in good standing. The representative told me my account was indeed and good standing. 
On Monday, XX/XX/XXXX and spoke with a gentleman with Honda Financial who informed me that the account that was used to make the XX/XX/XXXX was a XXXX account that was in my profile. I told him I would have never used that account because that account is never used. I told him that was a mistake and I asked if there could be anything done in regard to my payment history and not to be reported late the three credit bureaus.

I have leased two vehicles with Honda since XXXX and I have almost perfect payment history and I am loyal Honda customer. 
I am requesting a goodwill gesture from Honda Financial to grant me an adjustment to payment history to reflect no late payments or delinquency to the credit bureaus. 
Thank you in advance for your consideration. 
XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2021-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I sent a letter to TransUnion about unauthorized hard inquiries on my credit report on XX/XX/XXXX. The hard inquiries were not verified within 30 days and it was not deleted. 

XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (WI)

I recently had my checking account closed with Chase bank in the first week of XX/XX/2020 because of fraud problems. I have been fighting against claims with them that I filed. I had changed bank and I wanted to make sure my direct deposit from my employer XXXX XXXX  would be switch over in time for my next direct deposit. On my employee payroll work site XXXX I was not not to delete my XXXX information for direct deposit so I changed from it checking to saving since I didn't have a saving account with Chase banking to make sure the Direct Deposit would be rejected if it was still mistaking send there instead to my new bank. On XX/XX/2020 my payroll check of {$840.00} was send to Chase Bank and POSTED under another saving account that was not my account since I never had a saving at Chase bank and it was used to pay a balance from two claims that I was denied. My employer XXXX XXXX   informed me that my funds was never send back to their bank and I was given the tracking number and all bank information to show how they send it to Chase bank. I talked a supervisor by the name of XXXX XXXX ID # XXXX, which she told me, yes that it was received as a saving account even thought my account had been already closed and since I never had a saving account but they was NOT reversing nor returned my funds and that it didn't matter. What Chase bank did was a violation and illegal and I would like to have legal action completed. 
Thank you
Consumer complaint received 2022-01-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Coinbase, Inc. (IL)

I got a new phone and had to re-authenticate myself on Coinbase.com. I uploaded my driver 's license as asked and also took a picture of myself. I submitted on XX/XX/XXXX. They promised to give me access within 48 hours. 

My case # is Case # XXXX. 

It is XXXX XXXX, 12 days have passed. I have repeatedly called, XXXX messaged, and emailed Coinbase for help. Everyone keeps saying " they are working on it. '' I need access to my account. Please help me. Thanks.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CT)

I called XXXX XXXX to pay my bill even though I was expecting a credit from XXXX  commenity. The representative must have disputed the account number wrong because they keep reporting my account late even though I made a payment on an account that received a credit for the merchandise through returns we made. Please remove derogatory listings from my credit report immediately, as you are hurting my score.
Consumer complaint received 2019-03-15
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (FL)

The company harassing me is : NAVIENT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX PO Box XXXX This is a co-signed loan that was discharged 15 years ago through a bankruptcy. 
I have told them verbally and through a letter to stop sending these letters. I do not owe this debt.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2018-03-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Experian is reporting 2 bankruptcies on my credit report in error. I have requested on NUMEROUS occasions to have this situation resolved to no avail. On XX/XX/XXXX at XXXX CST I spoke with XXXX , an Experian supervisor in the special service department, and was told they DO NOT know for certain the source they are verifying or validating the information they are reporting on my credit report so they can not disclose that information to me. That is a clear violation of the FCRA. They believe it can possibly be XXXX but they are not certain. XXXX also said that I may have to file a law suit to get Experian to comply. This situation has been going on since XX/XX/XXXX and has caused financial distress, additional expenses and denied credit. I have been in constant contact with XXXX and participate in their data suppression & credit freeze programs because of errors in their reports as well. After disputing the errors in the XXXX report, XXXX did remove the bankruptcies. Experian still has not corrected the errors and is still reporting improperly verified information. Attached is a revised copy of the XXXX report which reflects the removal of the derogatory records.
Consumer complaint received 2022-01-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo Bank will not respond to multiple requests to provide access to a safe deposit for the executor. I have left several messages without a response. Today, the banker at their call center disconnected the call after 25 minutes, but before hanging up on my, he told me to go to another branch ( which is not the location of the safe deposit box ) to speak to someone. THIS IS NONSENSE! I had asked him to set up an appointment and declined to do so!! 

I tried to make an appoint on the Wells Fargo site. The selection to make an appointment on the site will not allow setting up an appointment for this reason : This location is not available based on the reason you identified for your appointment. Please select another location or change the reason for your visit. 

This is related to the death of my sibling and is very upsetting. Now I am waiting on the phone once again. 

I need to travel 2.5 hours to the branch at XXXX XXXX XXXX. XXXX, NC XXXX. The branch manager is XXXX XXXX and I have left messages without response. 

This is horrible customer service. 

Update 1 : Spoke to XXXX ID # XXXX. She is very pleasant, but told me that I should email the Regional Manager and expect a response within 48 hours and now being told this call will be escalated. We are within the 48 hour time window now.

Update 2 : XXXX is attempting to contact the branch, but was unable to do so while I have been on the call for 55 minutes and once again, being told I will get a call within 48 hours. I'm speechless.
Consumer complaint received 2021-03-30
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. (IL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN XXXXXXXX XXXX Inquired onXX/XX/XXXX
Consumer complaint received 2018-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Data Corporation (NJ)

I was trying to purchase some merchandise thru XXXX and received a decline notification. There was a message that said my payment method which was my bank account was declined as your preferred form of payment. It then gave me a phone number to Tele-check and I called them. I was told that there were 5 previous charges that were returned to Telecheck from my bank as Non sufficient funds and I would have to pay for the charges and an additional {$25.00} for each debit that was returned which turned out to be which. So they wanted me to pay an additional {$120.00}. I then checked my bank account and so those five debits cleared my account on XX/XX/2018. This happened today XX/XX/2018. Then I called Tele-check back and then they said no this was the second time we put this thru. And then I stated to them those debits cleared my account on the night of XX/XX/18 posting on XX/XX/2018. She said you the to pay the NSF fees of {$120.00} even thought the charges cleared your account. And she also stated that the charges still show outstanding in their system. I am not paying an additional {$120.00} for items that have been paid by my bank. She then said that they have already processed the fees to go through my bank any ways and if I don't pay them then I will not be able to use my bank account to pay for anything on XXXX. I told her I am not paying any fees especially when the items have cleared the account. Attach I have my bank statement showing the items cleared.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One will charge interest for two months in a row if the full balance including new charges isnt paid in full. This was done on two statements and stated by the representative I spoke with.

I thought that was prohibited based on 2009 legislation : Double Cycle Billing and Other Fees Are Prohibited Two cycle, or double cycle, billing ( the practice of calculating interest charges on both the current balance and the previous months balance ) is banned.
Consumer complaint received 2018-10-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (IL)

This involves Western Union, two problems. Problem number 1 : Points not credited to my Western Union Rewards account. Agent transactions are now not using the WU Rewards number but the customer 's phone number. They told me my reward points would be posted to my account when the money was picked up by the receiver. The money was picked up, but my rewards points were never credited to my account. See attached receipts dated XX/XX/XXXX and XX/XX/XXXX. Problem number two : Sometime between XX/XX/XXXX and XX/XX/XXXX, the points on my rewards account disappeared. I had made a internet transactions on XX/XX/XXXX and XX/XX/XXXX and rewards points were correctly posted. Upon checking my account on XX/XX/XXXX my entire account points were gone. After trying to get through to many agents to report fraud or theft to my account, on XX/XX/XXXX, a representative said my points had expired. I asked why, and he said they recently expired as I had not used them in a year. I asked him when was this changed and why wasn't I notified. He said I was notified. I asked when and to what email address or home address, and he could not answer. I have been a customer since XXXX and have never had points taken away from my account besides redemptions. My last point redemption was on XX/XX/XXXX. See attached last two transactions and current statement from my account showing XXXX  points. Western Union has done nothing to restore my points.
Consumer complaint received 2022-05-02
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. (OR)

Good Afternoon, In accordance with the Fair Credit Reporting act XXXX  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 2022-05-03
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. (MI)

Experian has continuously violated my federally protected consumer rights. Your company is violating me as the consumer by furnishing inaccurate, unfairness, and privacy information on my consumer report without my written permissible purpose pursuant to 15 USC 1681b ( a ) ( 2 ). I am a victim of identity theft from the XXXX data breach, your company is furnishing and reporting FRAUDULENT accounts on my consumer reports. Do NOT " reinvestigate '' these accounts with eOSCAR, as you've failed to do so properly the past several months. I'm demanding you to block the information reporting no later than 4 business days pursuant to 15 USC 1681c-2 ( a ). " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' 15 USC 1681c-2 ( a ) - XXXX & XXXX ( XXXX ) Also this is my updated mailing address attached to the complaint, and FTC report please update after removal of the account. I've attached my drivers license, and proof of residency.
Consumer complaint received 2021-06-24
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: EQUIFAX, INC. (FL)

This account is not mine, and I ask you to remove immediately this item from my profile as I can not have the item that is not mine. I am victim of identity theft and I do not want to have it. Its killing my profile and why do I need to suffer because of the fraud?
Consumer complaint received 2022-05-02
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. (OR)

Good Afternoon, In accordance with the Fair Credit Reporting act XXXX  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 2022-01-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MN)

I was fired from my previous job in XXXX I have enough cash to make the payment that month but started a job recently this mont the ace cash express store I work with knew the situation I explained to them I dont get paid til the XXXX and would be in to make my fianance payment than they told me thats fine now on the XXXX I get a call about making a payment today which was not apart of the verbal agreement that was made about my account
Consumer complaint received 2022-03-30
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. (PA)

My ex opened accounts with out my knowledge or consent and made herself and authorized user all charges came from her cards stopped paying when things ended statute of limitations past in my state of Pennsylvania I honestly do think I should be held responsible
Consumer complaint received 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (KS)

Flagstar Bank. They autodraft payments. I made balloon payments to pay off the loan. I left a small amount of principle remaining, so Flagstar can auto draft the remainder and close the loan. I discovered through my own research, that payoff required certified transfer of funds. There was no notice from Flagstar, and since the last payment was less than the automatic draft, the bank stopped drafting all funds, again without any notification. On the contrary, I received an email asking if I wanted to save {$1900.00} on refinancing the {$240.00}. That is evidence they know how to reach me. Also, I changed addresses before requesting the payoff amount ( via normal mail -- to ask for an e-mail occurs a {$30.00} fee, as it means loss of interest during transit from the Postal Service ). They sent the notice to the wrong address, and it expired before I could have my bank process it. Flagstar then assessed a late fee on the loan for a missed payment, which was missed as they didn't take it.
Consumer complaint received 2020-10-21
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: EQUIFAX, INC. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # XXXX ; sXXXX On XX/XX/2020, I mailed Equifax, XXXX   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 2021-03-30
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. (WA)

Equifax ; XXXX  and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. ( Please see pages attached from my credit report for reference. ) The accounts are as follows : XXXX XXXX XXXX partial account number XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX - XXXX ; STATE COLLS - XXXX ; XXXX XXXX - XXXX ; XXXX : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. These line items are in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.