davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Trinity Enterprises Partners, LLC (MD)

Trinity Enterprise providing misleading services claiming that by paying {$600.00} before any services provided, they would delete items on my credit report and improve my credit score. During the 8 months, I had a contract with them, no improvement took place.
Consumer complaint received 2019-05-30
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: TD BANK US HOLDING COMPANY (IL)

My personal information was stolen on XX/XX/2016. I received reports from the credit reporting agencies that I had several accounts that were late. Upon checking the report I discovered numerous accounts that were never opened by myself or authorized by me. These accounts were opened using my personal information and ss number. I have reached out to these companies on several occasions and they are still contacting me and still showing up on my credit report. These are not my accounts. I have also mailed in or faxed my police report. 
Below is the information on the companies and amounts Nordstroms {$400.00} XXXX XXXX XXXX {$9200.00} XXXX XXXX {$2200.00} XXXX XXXX {$2200.00} XXXX {$2200.00} XXXX XXXX  {$300.00}
Consumer complaint received 2021-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thaxton Investment Corporation (AL)

Covington Credit/ SMC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX has reported that I owe {$890.00} on an accouint that was allegedly opened in my name in XX/XX/2017. I don't know this company nor do I have a contract with them with my signature on it. This company has not responded to my letters asking how did they validate the account was mine. It's been beyond the 30 days alotted for them to conduct an investigation. I have also filed a complaint with the FTC for possible identity theft which means they have to delete and supress this alleged debt in 4 business days from my consumer report.
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: Experian Information Solutions Inc. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX Chapter XXXX bankruptcy discharged Date  FiledXXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX A XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have unauthorized accounts & inquires on my Credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) any unauthorized items on my report must be removed if not 100 % accurate and verifiable. Please Remove this From my report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed
Consumer complaint received 2018-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NM)

On XX/XX/XXXX and XX/XX/XXXX three transactions were made from XXXX and XXXX. PayPal approved these transactions, while XXXX available balance was {$0.00}. They then went on to charging my XXXX XXXX checking account, which was also at a {$0.00} balance. So although PayPal balance was not enough, because again it was at a {$0.00} balance, amd my XXXX account DECLINED, PayPal decided to approve these transactions. Now before I proceed I should mention these transactions were NOT approved or done by ME, XXXX XXXX. Nor do I know who made these purchases. I have checked my XXXX account and can see the two purchases totaling {$36.00}, one for {$27.00} and the other for {$9.00}. I have received one of the many things ordered. 

Now, my problem is PayPal is attempting to charge these items over and over again, causing my XXXX account to fall in the negative balance of {$220.00}, ALL which is NSFs. The payment will not go through because I dont allow my account to be overdrafted. 

PayPal approved these transactions knowing there was no funds, because Im am pretty darn sure they wont approve a transaction made through them if there is no money. Just like using your debit card at the store and it not having funds. I sumbitted a complaint with PayPal and their response was this is not an unauthorized transaction which is partly true, because although I didnt authorize it, PayPal did. 

Now I dont want or need the items purchased on XXXX, but will pay them, since my PayPal account is also negative due to these purchases. I can also return them, although I havent received all the items, but that wont pay the NSFs and will take weeks to return. 

Secondly the XXXX purchase for {$3.00} should of also been declined but again I will pay that. 

And all of these items show as paid with PayPal balance, and shows my XXXX as back up. I dont understand why XXXX is involved. 
I just want all those fees to be taken care off and for PayPal to close my account when all of this is over. I am very disappointed with their customer service, they made me feel like a liar and a thief, when in all honesty they are the crooks.
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (TX)

Numerous times I've had to call Barclaycard because their automated pay system had issues and did not properly bill us. In one instance it billed on the XXXX when the payment was due on the XXXX, Barclay marked this as 30 days late, even though they took the payment, as they apply all payments after the due date to the next payment cycle. This causes issue with customers and the support staff as the custom is typically unaware of this until it shows up on their credit report. There are no notifications otherwise. Their support staff is not very knowledgable on some of their practices so when I called in XX/XX/XXXX and stated  that I started a new job, while asking if it was ok to pay on the XXXX, they told me that it was ok. It was not OK though as they reported me 30 days late again. This business practice is not right. If someone is 5 minutes late then they should not be punished for years on their credit report ( Yes, they told me that a minute past 7 on the XXXX would result in a 30 day hit to my credit ). I have disputed the reports numerous times and only twice have they fixed it. Yes, twice because I've had to deal with them on multiple occasions. They've also falsely reported on my credit other times without fixing it. This was in XX/XX/XXXX and XX/XX/XXXX. Note : They fixed the one in JXX/XX/XXXX, but did not fix the billing so the XX/XX/XXXX statement will show it  kept carrying over to other months. 

I would suggest no one ever do business with this company because they will make your life an endless nightmare if anything happens that sets you back. You can take responsibility and try to make things right, but they will not.
Consumer complaint received 2021-08-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IL)

Around XX/XX/2021, my Coinbase/Coinbase Pro account was restricted from buying and selling any digital currencies that I was holding ( XXXX, ETH ). I was holding on roughly $ XXXX {$7000.00} in value prior to the decline in price so was trying to sell however Coinbase restricted any attempt. Even worse, I had USD in my account that I attempted to transfer out after they restricted my account. Any attempt to transfer out my own USD resulted in a canceled transaction. The only USD transfer they allowed was moving from Coinbase Pro to Coinbase but my funds are still locked in Coinbase. 

I submitted my first ticket XX/XX/2021 and submitted tickets every two weeks with no response. I reached out to @ coinbase_support on XXXX and actually received a reply on XX/XX/XXXX. However, there was no update since. It is currently XX/XX/XXXX and my BTC/ETH/USD are still locked up in my account. I need it unlocked so I can access my own funds.
Consumer complaint received 2020-10-21
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. (NC)

I have asked Experian, XXXX, and XXXX to investigate the late pay and accounts that do not belong to me. According to them, they said the creditors verified the accounts and accuracy. I sent them all letters stating that the law gives me the option to request a Method of Verification and for it not to be e-Oscar or another electronic method. This will ensure the most accuracy for my credit profile. Experian said they do not have to honor request and will not provide their method of verification. XXXX and XXXX said they didn't know if they could do that. I feel they are not reporting accurate information about me. In addition, XXXX and XXXX will not allow me to view my credit report online from their webpage or from annual report. com This is very concerning to me because it appears to me these credit reporting agencies are hiding and preventing me from seeing information about me, which is preventing me from getting these errors corrected and/or removed. They failed to honor my legal request. 

What is even more perplexing is they all shared with me the debtor does not have to provide evidence the debt belongs to me, they merely accept their verification. I personally wrote a debt collectors asking for evidence and I have not heard from them regarding my request, which makes me questions what and how are they verifying this debt if they will not communication with me about a debt they claim is mine. If the debtor is unable or unwilling to provide me evidence that proves the debt, what and how are they providing to the credit agencies?
Consumer complaint received 2020-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been banking with bank of America for many years, and this is not the first time this has happened to me. They change dates to squeeze in fees, and charge over draft fees on over draft protection fees that " ping pong '' until im hundreds of dollars in debt. Today was the most unusual of all, I was given an over draft fee, when I literally have thousands in my account. And they changed the order of transactions and dates in my app to support their claims, and were very rude when I called in to complain! This is shady banking. This is robbery. This establishment needs to be shut down.
Consumer complaint received 2020-10-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

Last year ( 2019 ) my personal checking account with Chase was closed due to undisclosed reasons. 

After one year of waiting and hoping I would be in a better standing, I tried to re-open an account on XX/XX/XXXX, this time with a co-signer in hopes that it would have better chances of remaining open. 

My account was closed again, without giving me any notice, on XX/XX/XXXX my account was closed again, and I found out 4 days after when I was trying to log into my Online Banking profile.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2017-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

EXPERIAN. XXXX AND XXXX IS NOT REPORTING MY CORRECT BALANCES AND STATUS AND PAIDED COLLECTIONS.. XXXX XXXX NOT SHOWING UP TO DATE STATUS AND BALANCE XXXX XXXX CREDIT CARD. NOT CORRECT BALANCE XXXX XXXX CREDIT CARD. NOT SHOWING CORRECT XXXX XXXX  CREDIT CARD, XXXX..NOT SHOWING CORRECT BALANCE XXXX XXXX XXXX XXXX XXXX PAIDED IN FULL XXXX XXXX XXXX ... PAIDED IN FULL XXXX CREDIT CARD.. INCORRECT BALANCE XXXX CREDIT CARD.. INCORRECT BALANCE.. XXXX XXXX CREDIT CARD ... INCORRECT BALANCE I HAVE TRIED IN DISPUTES WITHIN THE LAST 45 DAYS WITH ALL THREE REPORTIING AGENCIES. NO ACTION HAS BEEN TAKEN AS SHOWING CORRECTED INFORMATION
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I had initiated a Fraud Alert last month that was shared to the other credit bureaus. A few days ago I got an alert that the Fraud Alert was removed from my Transunion Credit account. 

That same alert also indicated that " personal statement is no longer listed '' I was waiting for that to happen, knowing why it would be removed and that it would be against FCRA to do so. But also knowing who is behind this and their aggressiveness in altering our credit reports, neither of the two removed alerts/statements came as a surprise. Just puzzled as to why Transunion continues to allow a certain credit provider access to change things in our credit report, and especially accounts that are closed and they should not have access to. But that's another complain that's being ignored.
Consumer complaint received 2020-10-20
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: ALLY FINANCIAL INC. (TX)

Good day, I am XXXX XXXX XXXX and the reason I am reaching out and writing to complain on XXXX  and their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC (MI)

The XXXX XXXX XXXX  is the original account holder Spring oaks is attempting to collect the debt. The account is being reaged an the amounts are different on XXXX XXXX XXXX. The dates the account was opened & closed are different as well Also all different last date of payment
Consumer complaint received 2018-04-05
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: JPMORGAN CHASE & CO. (NC)

On XX/XX/XXXX I learned that my identity had been compromised and an authorized account had been opened in my name. I reviewed my credit report and found that, in addition to the unauthorized account, there were 3 unauthorized credit inquiries on my credit report from Chase Card Services. 

OnXX/XX/XXXX I wrote and mailed a letter to Chase Card Services and explained that their inquiries were unauthorized. On XX/XX/XXXX I received a response from Chase stating that they were removing one credit inquiry, but they determined the remaining two were valid. n XX/XX/XXXX, I wrote another letter disputing their findings and I maintain that I have not authorized Chase to pull my credit! 

To-date, this has not been resolved and the inquiries are adversely impacting my credit score with all three major bureaus. 

FCRA requires furnishers to report accurate information and Reg B requires permissible purpose to pull my credit. None of the inquiries are accurate/authorized and Chase did not have a permissible purpose to inquire on my credit report. 

I have provided enough information for this furnisher to complete a competent investigation, yet they have not corrected their mistake.
Consumer complaint received 2018-04-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingUSA (GA)

Loan taken out with Lending USA at XXXX of XXXX. Originally spent {$2700.00}. This was cost of puppy, and all the dog food, vitamins, crate etc that the store said I needed. If I didn't use their dog food and their vitamins then it voided the warranty on the dog if something happened to it. Needless to say there were many vet trips due to XXXX XXXX, XXXX XXXX due to it being in a crate and had swallowed XXXX among other things. I have already paid of {$1500.00} on the account and they are only showing my balance down to {$2700.00}. If this is the rate, it will never be paid off. The terms given to me by the rep who did the financing and what I have actually ran into have not been accurate. They are applying little to my principal and I feel I was over charged for the dog at {$1600.00} when I realized people made offers on dogs and they took them. I was never told that was an option. I feel like they are using these poor animals and just scamming people.
Consumer complaint received 2017-08-06
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. (WA)

XXXX .   XXXX   AND TRANUNION IS NOT REPORTING MY CORRECT BALANCES AND STATUS AND PAIDED COLLECTIONS..
  XXXX   XXXX   NOT SHOWING UP TO DATE STATUS AND BALANCE   XXXX   XXXX   CREDIT CARD. NOT CORRECT BALANCE   XXXX   XXXX    CREDIT CARD. NOT SHOWING CORRECT BALANCE  XXXX  CREDIT CARD,  XXXX ..NOT SHOWING CORRECT BALANCE   XXXX   XXXX   XXXX   XXXX   XXXX   PAIDED IN FULL   XXXX   XXXX   XXXX   ... PAIDED IN FULL   XXXX    CREDIT CARD.. INCORRECT BALANCE  XXXX  CREDIT CARD.. INCORRECT BALANCE..
  XXXX   XXXX   CREDIT CARD ... INCORRECT BALANCE I HAVE TRIED IN DISPUTES WITHIN THE LAST 45 DAYS WITH ALL  XXXX  REPORTIING AGENCIES. NO ACTION HAS BEEN TAKEN AS SHOWING CORRECTED INFORMATION
Consumer complaint received 2017-08-06
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. (MD)

Equifax is reporting outdated information.
XXXX and XXXX XXXX XXXX  are two accounts that should have been deleted in XXXX.
XXXX  and XXXX both deleted these accounts as they should have but Equifax continues to be uncooperative and defiant. They are ignoring the fact that the first delinquency for both of these accounts is more than 7 years old.
I have been denied credit twice in the last few weeks soley based on a report from Equifax.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

There was an unauthorized personal loan which was taken out in my name with Citizen 's Bank in XX/XX/2019. I did not know about this loan until XX/XX/2019 when I received a letter stating that they have not received payment for this loan. I explained to them that I have not authorized this loan and did not received any monies from Citizen 's Bank. I fill out all of the paperwork requested of me by Citizen 's Bank, I had a police report file as well as the letter from my bank stating that no money from Citizen 's Bank was deposited into any of my accounts and was sent to Citizen 's Bank Fraud Department. I also put a freeze on my accounts at all of the 3 credit reporting bureaus and filed disputes which each of them. After dealing with Citizen 's Bank Fraud Department, I only receive letter stated that they are denying my claim. No reason or documentation was provided regarding the denial. I'm having a difficult time contacting them as they do not answer their phone number. I continue to send them faxes providing documentation showing that I did not authorize this loan. No response from Citizen 's Bank, accept for a pre-printed denial letter generation. Please help me to clear up with situation with Citizen 's Bank. Thank you.
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

I advised my mortgage company PHH mortgage that I was having some issues with payment due to issues with Covid. They offered for me to put payments on hold for 3 months. I get a call XX/XX/XXXX and it the mortgage company telling me they have a offer to put my 5 payment to the back of the loan. I accept. I asked pertinent questions is they anything else I need to do. They say no. The payment will go to the back of loan. I get a letter today indicating otherwise. I call today and they tell me they made a mistake. The investor XXXX XXXX XXXX they throw rocks and hide and do deceptive things ). They want me to remodify I do not need to I am at 2 percent. I am angry and upset that they conned me. I have been in my house for 15 years they are trying to take my house. XXXX XXXX has been doing this to people of XXXX for years. They are not to be trusted. Please help. This is a bait and switch situation. XXXX XXXX is taking advantage of people.