davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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. (AZ)

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 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance Owed : {$760.00} XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$440.00} XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$200000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$23000.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have an incorrect late payment in this account and I dont know why if I paid in full XXXX XXXX Account Number : XXXX There is a late payment reported by mistake in XX/XX/2018, I was never late with my payments, please delete that inaccurate remark as soon as possible
Consumer complaint received 2021-05-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation (GA)

XXXX opened an account with Fortiva on XX/XX/2020 in my name and I have never signed up for security service. When I spoke with the company about the account I did not open, they did not care and wanted a payment anyway. Now the account is delinquent and it is destroying my credit.
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 — Account status 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. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$4300.00} PORTFOLIO XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Owed : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX Owed : {$440.00} XXXX XXXX ( Original XXXX : XXXXXXXX XXXX ) XXXX Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$200000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$23000.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO. (CA)

Hi, I also have the complaint ID XXXX for the same credit card. I am not sure what happened with my Chase credit card. As I said before, my credit card was charged the amount on XX/XX/XXXX by XXXX XXXX ( not pending ), from that time to now ( XX/XX/XXXX ), I never received the item I ordered on XX/XX/XXXX, although XXXX XXXX system appeared " delivery on XX/XX/XXXX ''. I contacted XXXX XXXX to cancel order and refund, but they refused. I have to contact Chase to dispute this charged on XX/XX/XXXX, I met the treatment from Chase like XXXX XXXX. Chase let me wait for XXXX week or more for their update. After a week, XX/XX/XXXX I contacted them to inquire the update, chase told me to call the no. on credit card to dispute. I complaint Chase customer service. Then somebody from chase called me and told me to wait 5-7 business day, so they should invest the case. Until now, Chase do not dispute this charge. That is not enough! Today, When I checked my credit journey through Chase online banking, the chase credit journey is market " powered by XXXX ''. I found my Chase credit card is " not available '' on credit journey report! My credit available is only from the other bank credit card! I never received any information about this from Chase. I have a good credit score, I never have " late payment '' history. I do not know what happened with my Chase credit card, why my credit card 's credit is " not available '' at credit journey.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX should not be reporting to XXXX ; XXXX and Transunion that I am ( 30-60 ) days late on the XXXX, XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I set up auto pay for this account. When I obtained my most recent copy of my credit report, I discovered that XXXX is reporting this account late. I immediately contacted XXXX and was told by the representative the company doesn't have any record of this account set up on auto pay. This is not true. Timely monthly payments have been made. The lates that are reporting are incorrect and are seriously harming my credit score and need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2017-12-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

To Whom It May Concern ; On Friday, XXXX XXXX, XXXX I initiated a transaction in amount of {$1500.00} USD on Coinbase.com ( Page 1 ). 
On XXXX XXXX, XXXX I found out that my purchase of virtual currency was not credited to my account. I opened a ticket with case number XXXX at Coinbase customer service center and made a phone call to escalate the issue ( Page 2 ). 
On XXXX XXXX, XXXX I sent another email to check the status of my case ( Page 3 ). 
Still waiting for a response on XXXX XXXX, XXXX I made a phone call and for the second time, I escalate my issue and a representative sent me a conformation email of our conversation ( Page 4 ). 
As of today XXXX XXXX, XXXX still my account has not been credited. Hereby I seek your help to resolve this issue, and get credited by Coinbase for the total amount of {$1500.00} USD for the purchase of virtual currencies, Ive never received. Please refer to attachment on page 5 for a copy of my account activity on Coinbase website which indicates I never received XXXX ETH in total amount of {$1500.00} USD. You may also refer to page 6 for a copy of my bank account statement showing the withdraw amount made by Coinbase on XXXX XXXX, XXXX and the transaction ID. 

Please do not hesitate to contact me if you need any further information. 

Thank you so much for your time and consideration. 

Sincerely,
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Around the week of XXXX ( XX/XX/XXXX ), I misplaced/lost my debit card. That same week I contracted XXXX, so I wasnt really looking for my debit card since I was very sick. I didnt notice that my card was lost until around the first week of XX/XX/XXXX. As soon as I noticed the card was lost, I logged on to my online banking account and Locked the debit card from being used and I noticed that my card had been used without my knowledge. I contacted Capital One on XX/XX/XXXX ( I believe thats the correct date ) to inform them of what transpired. I told them Im just getting over XXXX after being confined to my house for about XXXX weeks or so I noticed that my card had been used without my permission. Theres roughly $ XXXX {$1300.00} worth of fraudulent transactions on my account. The bank representative takes my claim information down and states that I should receive a temporary credit that matches the amount of money spent from the fraudulent transactions. Three weeks or so goes by without receiving any correspondence from Capital One, I logged on to my online banking account and to my surprise, Capital One had reversed the temporary credits they had initially given me. I contacted them to discuss this matter around the the last week of XX/XX/XXXX, the representative told me that the credits were taken away because some of the transactions had been placed at stores that I had went to in the past. I tried to plead my side of the story to them that my card was probably lost at the gas station thats close to my home, so there probably would be transactions from merchants that I had previously done legitimate business with in the past. The bank representative also stated that I had logged into my Online banking on a date not too long after my card had been used. I tried to explain that my wife logged into the account to pay on out automotive loan ( which is also with Capital One ). The bank representative didnt want to accept that response. I asked for a manager. Once the manager came in the line, he stated the same thing that the previous representative had stated. So, at that point I assumed there was nothing I could do. I did some research and found the Consumer Finance website and figured this may or may not help. I work hard for my money, I hate that someone was able to steal my money and my bank accused me of doing this to myself.
Consumer complaint received 2021-05-06
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. (TX)

not mine : FCRA violations see attachments for proof XXXX XXXX XXXX, MT, XXXX XXXX XXXX XXXX XXXX, NM, XXXX XXXX XXXX XXXX, CO, XXXX XXXX XXXX XXXX XXXX, MT, XXXX XXXX XXXX XXXX XXXX, NM, XXXX XXXX XXXX XXXX XXXX XXXX, NM, XXXX XXXX XXXX XXXX, TX, XXXX
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 — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I submitted a dispute to Equifax, XXXX, and XXXX to validate the inaccurate items on my credit report on XX/XX/2021. On XX/XX/2021, I sent another request to have inaccurate items on my credit report validated or deleted. It has now been over 30 days and I have not received any response. It is my understanding that I'm entitled to fair and accurate reporting according to federal law. I have several items on my credit report that are inaccurate. They are in violation of the FCRA.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have a joint account with a family member who signed for me with XXXX XXXX XXXX XXXX they kept taking more money out of my account monthly and I purposely had them get my car back because the car was junk ... .they kept charging me for a car I didn't have and have not hear from them in years now that I'm trying to get my credit fixed with XXXX XXXX now they come back putting negative comments on my credit report alot of times The credit repair people got them off the report but they came back and redid the negative so now it's still their. They are abusive and determine to ruin me and it's causing me mental breakdowns it's a nightmare with that company ... they unauthorized charges and it's different charges which is a descrepency and if that is it's gains the fair credit act and it's illegal please help me with this monster of a company
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BBVA FINANCIAL CORPORATION (TX)

I bid a concrete job at XXXX XXXX XXXX XXXX XXXX Texas XXXX on XXXX XXXX at XXXX XXXX with A gentleman named XXXX. Said he heard about my company from XXXX. Gave him a bid for XXXX he approved and asked us to start on XXXX XXXX. He then mailed me a check for {$7300.00} and asked me to pay the plumber a deposit of {$3200.00} for materials on a plumbing job at his home and the remaining balance would pay myself a 50 % down on the job XXXX bid and he approved. Said I would receive the rest at the complete of the job. Then he text me Sunday XXXX XXXX saying he needed to cancel due his mother passing and told me he needed the money back minus {$1000.00} to compensate me for my troubles. He asked for {$2500.00} right away threw XXXX or XXXX XXXX. I tried to send XXXX XXXX to $ XXXX. When doing so I was alerted with this might be a scam he assured me is wasnt and I sent two payments of {$1000.00} to a XXXX XXXX it failed and was returned to my. He asked me to try cash app $ XXXX and the same thing happened. He then asked me to deposit into a XXXX XXXX acct # XXXX under XXXX XXXX stating he was the plumber. The name of the Company is XXXX XXXX. Now my bank has informed me that the check I cashed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX check # XXXX in the amount of {$7300.00} signed by a XXXX XXXX was fraudulent and now Im being charged for the entire amount and my business account has been frozen
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY (TX)

Used Wells Fargo Cash Wise Visa Card 's " Cellular Telephone Protection '' benefit. Contacted customer service representative & began claims process on XXXX XXXX XXXX ( claim number : XXXX ). After submitting all necessary information, my claim was under review. On XXXX XXXX XXXX my claim was denied due to certain types of damage not covered ( I had issues with my cell phone 's microphone not working ). 

I contacted customer service and they told me it was due to electrical/mechanical issues of cell phones are not covered under this benefit. However, on their Cell Phone Protection Guide to Benefits ( located here : https :  //www08.wellsfargomedia.comXXXX ) there is no clause that states that. The agreement I have with this benefit should cover the reimbursement of my charges, but customer service repeatedly denied my claim.
Consumer complaint received 2021-03-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (CA)

I had a chargeback on XX/XX/2021 of {$100.00}, and was notified my trading was disabled. I deposited {$1500.00} to cover the chargeback on XX/XX/2021. The website said my trading would be restored in 5 days. 

It is now XX/XX/2021, and I can not access my money. They will not let me withdraw the funds to my bank account, sell, or buy XXXX. I have around {$1800.00} stuck on their platform that they will not let me withdraw. 

I have sent several support tickets, which show up as Solved as soon as I send them. Nobody is looking at the support tickets or responding to them. 

Ticket # XXXX
Consumer complaint received 2021-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2020-09-07
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 — Their investigation did not fix an error on your report
Company: United Revenue Corporation (TX)

XXXX  Dispute XXXX United Revenue Corp XXXX   claims that this is a valid collection action yet neither XXXX  nor the alleged collection agency, United Revenue Corp, has provided any documentation whatsoever to support this claim. I have repeatedly tried to contact United Revenue Corp by mail and phone and have not received a reply to both my letters and voicemails. I have filed  multiple disputes with XXXX  but to no avail. XXXX  claims that United Revenue Corp has provided validation that this collection action is legitimate, yet I have received nothing to support this claim other than XXXX  continuing to state that its valid. XXXX  keeps closing the dispute without providing any evidence whatsoever that United Revenue Corps collection action is valid. I have no knowledge of what they are trying to collect for, and have not received any invoices or other correspondence related to this. XXXX  is negligent in their duty as a credit bureau by not removing an inaccurate entry on my credit report and by not providing any evidence that United Revenue has a valid claim.
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I have been a customer with synchrony bank for years. Even my first credit. My care credit account was closed one month after I paid it off in full without notice or even trying to work with me. I was so upset after calling them to understand why. That I turned around immediately to pay off a store card of over {$600.00} through synchrony bank because I no longer what them having my business or even so much as a {$1.00} from me. My account was closed cause I have high balances on other bank cards. Eveyone experiences hardships. But I never not paid off my balances or even made late payments. Disheartening a company can do this without care or consideration. I closed my other account with synchrony due to there lack of integrity. I would rather take the credit hit then give them anymore of my business.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Adjustment Company Incorporated (MI)

Im unaware of this debt. I did not have the opportunity to dispute this dept. I also did not receive proper notification on this debt. If in fact you believe that i did receive proper notification of this debt please provide me with the certified mail with receipt with my signature.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

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

15 USC 1681 Section 604 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 purpose. XXXX
Consumer complaint received 2021-12-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (FL)

The original debt is with property XXXX XXXX XXXXXXXX XXXX  realty living there 2 years I was never late. I moved out because I had a serious problem with the property manager XXXX XXXX with renewing lease the correct terms promised. 
She lied about my final bill after I moved out. I told the professional debt company and disputed the amount and I emailed the property manger again she did not respond and they put it on my credit a wrong amount of {$3500.00} I went above her and they resolved the amount which was {$1300.00} and they agreed to delete it from my credit report once paid that was the agreement. After several months being paid the {$1300.00} and calls and emails to the professional debt company they still have it on my credit they refuse to take it off.
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. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Names : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX MEDICAL Date Updated : XX/XX/2019 XXXX HOSPITAL Date Updated : XX/XX/2019