davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NV)

According to the law section 809 of the FDCPA ; XXXX XXXX XXXX XXXX, XXXX, SC XXXX MUST provide a 'signed ' contract of myself doing business with their company and my obligation to pay them. this company HAS NOT PROVIDED this information to me. The above company has been given the allotted 30 days to provide this. THEY ARE VIOLATING MY FEDERAL RIGHTS and are subject to lawsuit. I want to file this complaint on this company for this. Please assist me in correcting this, as it is and has damaged my lifestyle and ability to gain and maintain employment.
Consumer complaint received 2018-12-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (PA)

Sunrise Credit Services Inc called me stating I owed XXXX  {$34.00} dollars. They nevetr mailed me no letter or anything pertaining to the debt. I also have attach 4 US Certified letters to XXXX and proof since XX/XX/2018 XXXX, XXXX, XXXX, XXXX to the balance. I also filed a complaint with the Consumer financial protection bureau on several times which was forward to XXXX XXXX as well. XXXX was called and every time I was told some one would return a call in which they never did. There was several letters sent with no response from XXXX  to the balance or settling the debt.It was never but the run around with XXXX. 
Sunrise also told me on the phone that they did not have my address to mail a letter. If the account was sent over from XXXX they had the account number as well as the address and XXXX received letters about the debt as well on each letter the full address so there was no excuse for such a lie by Sunrise Credit Service
Consumer complaint received 2021-06-02
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: BARCLAYS BANK DELAWARE (OH)

At a Wyndham timeshare upgrade presentation I was offered the XXXX by Wyndham credit card. I told him I already have one. The sales representative kept pushing for a higher limit credit card. I kept saying, NO. The 2 people then asked, Can we get your information just to update your card? I asked why and was told it was for my current credit card, just to keep it updated. I reiterated, I don't want a new card. They promised it wasn't for that. Needless to say, a month later, a new wyndham credit card came in the mail. We were not happy. We felt betrayed by their promise, It's not for a new card, it's just to update your information. Well, this affected our credit score.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously disputed alleged Ch XXXX bankruptcy item with the bureaus In response they verified the item as accurate, stating that the information verified with the court. I contacted the court myself as the court may have violated federal and residence privacy laws by submitting such false information to the Bureau.

The court responded making it clear they did not report or validate any information with credit bureau ; therefore the original response from the bureau stating they verified the item with the court was either an error or flat out lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ), I was never sent any proof but I did get my own proof, yet the Bureaus have yet to comply. I have been being ignored for over 90 days!
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

Didn't receive any notice that I even owed any debt from what looks like 2 collection agencies listed on my credit report. Asked for verification of the debt from the reporting credit bureaus as I believe those collections are on there in error. Last contact with was via letter asking for them to validate the debt. Those letters were mailed XX/XX/2021. I haven't received any verification of the debt from the Credit Bureaus but got a responses that the accounts were verified and the disputes have been closed
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I got a deposit into my account and the bank put a hold on my account not allowed me to have access to the funds. I called and told the I drove for drive share and it doesnt require me to have a business bank account because Im a XXXX XXXX worker and they have been holding my funds for 2 months.
Consumer complaint received 2022-04-28
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. (KY)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states that I hav ea right to privacy.

15 USC 1681 SECTION 604 Section A 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 card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I called and tried speaking with a guy who answered the phone on credit card from 5/ 3 bank. I tried to explain to him that the lady I spoke with the night I called and told her I had my balance transfered to another account and I paid XXXX which was what the phone amount stated when I called for balance on credit card. But when I had the XXXX transfered over. The valance it quoted me was wrong I only owed XXXX?? But didn't remember change amount. So I called the bank and the lady told me two different amounts. One was XXXX and the other was XXXX? So I finally got her to tell me the correct amount and I even rd her several tines I had the valance transfered all except the smaller amount left. Which was XXXX? So I asked her to take that amount out i of my checking account and that the guy lied to me on high charges ud be having to pay which Id even ask interest ea month or charges just to use the credit card etc. He stated no. But when I used the card I seen they were charging my almost XXXX ea month just to use that card. So that's when I transfered main amount to another card and I paid the rest XXXX? And I even told her I was then cutting up the credit card due to I refuse to pay close to XXXX ea month just to boost my credit score. 
So a month or so later I seen that XXXX was taken out if my checking account. Shed took not only the XXXX? I still owed on the card but also took XXXX out of my checking account also. This was what I was trying to tell the guy I spoke with. That now because the lady messed up and XXXX XXXX instead of just the XXXX?. I told him I'm not paying two different charges on same amount when she messed up. So he put the XXXX back into my checking account like I asked. Which I thought this straightened it all out. But I now see he turned right around and put it to were I was having to pay the valance twice again. So I'm fighting this due to I transfered the XXXX dollars from XXXX credit card to my XXXX XXXX credit card which gas been paid off already. But you refuse to acknowledged my explanation on what I did and how I refuse to pay again for there mistake. Which this will be the third mess up this checking account gas done since 2012. 
I told them one more ness up to were I'm being charged for amounts that your receptionist mess up. That I'll close my checking account and bank from some where else. So this is what I'm going to do next month right after I get paid so I have time to contact the open accounts and give them my new account Number from a new bank.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DC)

XXXX, XXXX, mortage company made unauthorized payment to DC Tax Authority. XX/XX/XXXX, I forwarded via text and email, the letter I received from the tax authority defering my payments to Rushmore. They acknowledged receipt and did not forward payment in XXXX of XXXX. However, in XXXX of XXXX, they did not adhere to the Deferral and paid the tax. 

I have tried since then, every way available, phone conversation ( s ), email, text, use of their internal database, to give the instructions as to how to have those unauthorized taxes paid, returned to them. I phoned DC Tax Authority to seek instructions as to how to retrieve their unauthorized payment, they gave them to me, and I forwarded it to Rushmore. Apparently, they have chosen not to follow instructions. 

Everytime I call them to try and resolve this problem, they seemed to understand the situation, and I was told it was researched and being processed. 

I receive " robo '' calls, since XX/XX/XXXX, and to this day, at a minimum of once a day, and as much as three ( 3 ) time a day harrashing me about a simple matter they have been instructed on how to resolve.

During the last conversation I had with their representative in their Personal Property Tax Division, ( which should be recorded, as well as all the other calls ) I told her of my fear that Rushmore would take the actions, that they have since taken, and posted something with the Credit Reporting Agencies, since it has taken them so long to resolve their problem, and make it mine. She informed me that that would never happen because this was not an issue of a late or non-payment of mortgage, and could not be reported as such by Rushmore. 

They have reported me late on my XXXX mortgage and I was not.
Consumer complaint received 2018-03-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

After opening my trading account with Coinbase , Inc online inXX/XX/XXXX, I wired {$15000.00} onXX/XX/XXXX to Coinbase, Inc account at XXXX XXXX XXXX  for my digital currency investment. On Coinbase website coinbase.com, this company never tells any investors that there will be a problem with their wire deposit before anyone initiate a wire transfer. However, after over 80 days, I have never received the $ XXXX wired money to my account with Coinbase. I called almost every week to Coinbase to speak to their customer supports. But Coinbase has never done anything to resolve my problem. I went through the Coinbase XXXX of no support, no answers.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AK)

Contacted Experian on XXXX XXXX discovered account balance on Paid account listed over 900 dollars. Tried to file dispute and was blocked from filing dispute on the account. 

I also tried with XXXX  via XXXX XXXX of which I am a member and they have added information to my account access as to who is my grandfather and asking for his first name. I have never given this information and once again feel my private non public information is compromised via a third party source. I am XXXX years old and know who my grandparents were. They had or have nothing to do with my financial life. 

I subsequently contacted XXXX XXXX regarding this matter and they sent me a letter noting I owed nothing on this account RE : Case Number XXXX phone Number XXXX. Finally I am tired of having to disclose any personal private public or any familial information regarding my finances. I realize that you are not in a position to offer legal advice, however is this a matter I can take up with an attorney since these agencies are continued to abuse our good names with their refusal to correct.
Consumer complaint received 2021-12-09
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. (TX)

I've submitted a FTC and Police Report to this Credit Reporting agency ( TRANSUNION ) on XX/XX/2021 according to FTC these fraudulent accounts must be removed within XXXX business days pursuant to XXXX XXXX XXXX. 


I've asked TRANSUNION to please removed theses accounts XXXX XXXX and XXXX XXXX XXXX XXXX off of my consumer report which they have failed to do so.
Consumer complaint received 2021-06-02
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. (IL)

For the last three years at least Equifax has reported me as deceased. They tell me they have fixed it but my credit report still says I am dead. The fraud department said it would fix this and they have not. I am at a loss as to what to do-I have sent my driver 's lisc., social security, reported it as fraud. They just will not change the report. I am at a loss as to what to do since I am not dead!!!!!
Consumer complaint received 2024-02-04
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)

The following trade lines reflect transaction history which is illegal, per 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX  - {$1000.00} XXXX XXXX XXXX - {$2000.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$760.00} 15 USC 1681 states that Congress made findings that credit reporting agencies : exercise their grave responsibilities with fairness, impartiality and a respect for the consumers rights to privacy.

15 USC 1681n discusses willful non compliance and liability.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was a victim of fraud and {$440.00} was charged fraudulently to my debit card account with Bank of America. 
XX/XX/XXXX - {$18.00} to XXXX XX/XX/XXXX - {$8.00} to XXXX XX/XX/XXXX - {$110.00} to XXXX XX/XX/XXXX - {$24.00} to XXXX XX/XX/XXXX - XXXX to XXXX XX/XX/XXXX - {$35.00} to XXXX XX/XX/XXXX, XXXX {$28.00} to XXXX XX/XX/XXXX - XXXX to XXXX I rarely use my debit card, I only use my credit card which is which I did not report the charges until XX/XX/XXXX when I saw that my account was almost overdrawn and became aware of these fraudulent charges on my account I called bank of America to report the fraud and opened the claim on XX/XX/XXXX. The credited my account the {$440.00} and said they would investigate the claim. I have never used doordash which anyone with access to my account and investigating these charges could easily verify. On XX/XX/XXXX, Bank of America canceled the credit and took the {$440.00} credits to my account back and they stated that I authorized these charges which was not the case. They were NOT point of sale transactions where a physical card with a pin was used. I called BOA and was told to write a letter and fax it. I wrote a letter and faxed it from a BOA branch on XX/XX/XXXX. I called to follow up on XXXX which is when I was told no letter was received and to re-fax it which I did and I was told that a reconsideration claim would be opened and to call back in XXXX business days. I called on XX/XX/XXXX and was told nothing was done and to call back XX/XX/XXXX which I did again and I was told that nothing again was resolved and they were going to expedite the claim. This is outrageous. BOA clearly states : The {$0.00} Liability Guarantee covers fraudulent transactions made by others using your Bank of America consumer credit cards and consumer and small business debit and ATM cards. To be covered, report transactions made by others promptly, and don't share personal or account information with anyone. I did exactly what they said and they still denied my claim.
Consumer complaint received 2021-06-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

For the last two years, I have been making installment payments on time. On XX/XX/2021, I tried to make a payment over the phone using my debit card, but the phone operator told me that their system to make debit payments wasn't working so we had to try again the next day. The next day, XX/XX/2021, I tried to make a payment again, however, their system was still not working according to the phone operator. 

On XX/XX/2021, I drove to one of their offices located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I tried to make a payment with my debit card and they refused to make the payment because their system was not working. 

Even though I tried to make the payment on 3 different occasions Oportun is imposing a late payment fee of {$15.00} dollars. A new late payment fee was imposed after the next due date came. I have tried to talk to them multiple times, explaining that it was their fault that the system was not taking debit cards at the moment. They refuse to remove the late payment charges and threaten that they will keep charging me.
Consumer complaint received 2020-12-03
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: EQUIFAX, INC. (CA)

There are a few items reporting on my credit report that does not belong to me. Please remove the following items from my credit file. I have since contacted an attorney because Equifax and XXXX has failed to respond to my dispute and it has been more that 90 days since I disputed the following items. 

XXXX Loan - Bal : {$0.00} ( Equifax Only ) XXXX XXXX - {$1100.00} ( XXXX & Equifax )
Consumer complaint received 2020-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (GA)

Ally Bank allowed more than {$1000.00} in fraudulent transactions to occur on an old checking account debit card that should have been deactivated more than a year ago. This wiped out my balance in a few hours and will take weeks if not months to fix. All due to Ally 's careless mistake.
Consumer complaint received 2018-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE FARM BANK, FSB (OH)

For over 4 years I have had an ACH set-up to take my payment. State Farm Bank recently took back the servicing of the loan and removed my from ACH. They did this because of a chapter XXXX that was filed almost 5 years ago and is set to discharge in XX/XX/2018. To make it worse, they stopped ACH and I rec 'd only a couple of days notice before payment is due. This is about as poor of a job as a mortgage company can do to help a consumer. All they had to do was nothing. The payment would have continued to be received automatically for years to come. Very disappointed in State Farm Bank.
Consumer complaint received 2021-07-20
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: Experian Information Solutions Inc. (MD)

I had sent a letter to XXXX, Experian and XXXX  about my personal information on XX/XX/2021. I have not seen any change on my report or got any response from the bureaus. I would like the changes I asked for to be made.
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MN)

Hello There, I used to have a checking account and a secured credit card with Wells Fargo. I was not happy with the way Wells Fargo was handling my account and I decided to close all my accounts with Wells Fargo. 

I open the secured credit card as I was advised by Wells Fargo employee that will help me open my credit ; I have never had a credit card before and I open the secured credit card at their advised. I deposited XXXX and received a secured credit card. 

Sometime om 2017 when I close all my Wells Fargo Accounts at the bank the Banker that helped me closed the accounts even took my secured credit card and clipped she also said that I would not need the card since I was closing my accounts. 

Time went by and I applied for a mortgage and discovered that the card was showing on my report as open and reporting derogatory information on my credit report I hired an attorney to help me clear my credit and they made Wells Fargo return my security deposit however even though Wells Fargo acknowledge that they did not acted in a fair manner towards me. ; They still to this date have not clear the derogatory information on my credit. I called the executive office to put a complaint and the lady that took my call did not know anything about secured credit cards, she did not understand my concern and I have asked for a supervisor she said that she will escalate my concern. 
Weeks passed by and I received a letter from Wells Fargo telling me that after all this years they still need time to resolve my concern.