davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-17
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)

On XX/XX/2020 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX XXXX XXXX XXXX for {$100.00} to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX for {$100.00} opened on XX/XX/2020 for {$100.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2024-03-31
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (NJ)

XXXX XXXX had {$110.00} rebate for when you purchased 4 tires. I purchased the 4 tires from XXXX Tires on XX/XX/XXXX. I was issued the card and when I went to use it on XX/XX/XXXX I noticed there was an expiration date of XX/XX/XXXX. I called the company who is on the card. XXXX They informed me that the {$110.00} was no longer available and couldn't tell me where my money went. It's my understanding that federally these funds should be available for at least 5 years.
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have now been a victim for the second time where i file for my taxes and someone has claimed my dependent. the first time i was not informed of what i should do to protect myself and dependent from recurrence. now i attempted to file my taxes for 2017 yesterday and they were rejected. my daughter is XXXX XXXX XXXX and i am unable to request a credit report. clearly someone has her information and i believe it is ridiculous that i have to wait for my child to turn XXXX to check her credit to then have to clean up whatever damage who ever is using my child 's information. i believe that when a child is a victim of this type of theft they should be allowed to check their credit regardless of the age. the first time i believe my daughter was XXXX yrs old so i have to wait until she is XXXX this can ruin her future when it comes to credit.
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I requested my credit report after using XXXX XXXX a few times and was alerted of having a thin file and all three credit bureaus were not reporting the same information. I once again saw added information that was more identifiable than my last dispute. Phone numbers, addresse that are once again do not identify me. I have more added personal information than accounts, good or bad. How is personal information added, removed and once again appear. My recent dispute showed a family members three phone numbers, address and newly added mispelled names along with addresses I have never lived in. I am alsio wanting to know how I am denied any loan, or equity credit on my propeety that is paid with no mortgage which I do not believe I have a decent credible history, same employer for 28 years and now retired. Today I discivered a possible loan on my property that if it exists, was most likely borrowed in hopes I would not have a clue so reported it to CA real estate for possible fraud since it seemed to be a transfer type cash loan which could not have initially be listed on an MLS listing without me in agreement, moving along I have applied for a small loan with XXXX XXXX and my credibility is below standard yet my property is a great asset that should be credible. 
In closing I believe the information being added is by someone I know. Should I make that person known to you or should I just check my reports more often? Also personal information in this dispute I am speaking of is XXXX does n't remove all I askex them to as if it has to be there like it or not which personal identifiable information should be the utmost part of your credit file
Consumer complaint received 2020-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Corporation (SC)

I have contacted this company several times in regard to an unknown account they have placed on my credit. I do not know what the account is for. I was never contacted about the debt before it was placed on my credit. I discovered it while reviewing my credit report. I have not heard back from the company Receivables Management Corp- however they bureaus have come back and said the company has verified to them the account belong to me. Again- i have no knowledge of account number XXXX in the amount of {$3800.00}
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

i need your help in a serious matter involving my credit report. After reviewing my credit, I have realized that you are reporting damaging information to my name. 
Please review the following Account Name : XXXX XXXX Account # : XXXX You are reporting this account as late, delete for inaccurate reporting attached is a letter from XXXX XXXX proving the late payment is inaccurate
Consumer complaint received 2018-02-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WEBSTER BANK, NATIONAL ASSOCIATION (PA)

I have an account with XXXX XXXX for my XXXX savings account. 

They are charging {$3.00} per month for balances below {$5000.00}. 

This is completely ridiculous that I have to maintain {$5000.00} per month and the interest earned is 1.5 %. They offer an option to invest the money in XXXX XXXX which is what I have done and because my money is in the XXXX Account they dont offer credit for that. 

I feel this unfair and taking advantage of a captive situation. 

I spoke to XXXX XXXX and they said this is all in the fee schedule.
Consumer complaint received 2021-07-06
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI (FL)

I previously disputed an alleged collection debt with a debt collection company by the name of General Reveune Corporation on XX/XX/XXXX. It was then removed from my credit report on XX/XX/XXXX. The debt collector illegally added the alleged debt back to my credit XXXX, XXXX  and XXXX  report on XXXX XXXX XXXX The debt collector failed to provide me with a dunning letter within 5 business days that it was reinserted back on my credit report. This is a violation of Fair Credit Reporting Act 611 ( 2 ) ( A ). I would like this account PERMANENTLY deleted from my XXXX, XXXX  and XXXX  credit reports immediately.
Consumer complaint received 2019-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IA)

On XX/XX/XXXX, I received a letter in the mail ( from XXXX ) that indicated someone was trying to open an account with my personal information ( it was addressed to my first name and address, but the last name was wrong ). I received one of these letters in XXXX of XXXX and reached out to Equifax, XXXX, and XXXX to freeze my credit. 

This morning, I contacted XXXX and they put notes in the system to deny the application and then I reached out to XXXX, XXXX, and Equifax to ensure that my credit was still frozen as I have not requested the freeze to be lifted and it should be frozen until XXXX of XXXX. I had no issues with XXXX or XXXX  as I was able to confirm my freeze was in good standing. With Equifax, however, after sharing my personal identification information, I was told that I would have to physically mail them my original social security card with a request for information regarding my credit. This is the same company that had a major data breech in XXXX and compromised not only my personal information, but that of millions of people. If I am coming to Equifax to protect myself because someone is trying to use my personal information, if I can identify myself through their 15 minutes of questions and a private PIN number, and am asking them to confirm that my credit is still frozen - not asking to remove it, then they should be able to comply with my request to protect myself. THEY have proven themselves NOT trustworthy and are REQUIRING people send them ORIGINAL GOVERNMENT-ISSUED documents before they will complete a request to protect the public. They are not reliable, they are not trustworthy, don't have the public 's best interest. They, and their practices, need to be investigated.
Consumer complaint received 2019-11-06
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. (FL)

The account XXXX  XXXX {$2400.00} account # XXXX, in XX/XX/2019 this account was placed by Equifax on my credit file. I disputed as not my account, Equifax investigated and removed XX/XX/2019. Now I checked my credit and as of XX/XX/2019 it is back on my credit by Equifax.
Consumer complaint received 2017-09-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (WV)

My husband has XXXX accounts with Ally Bank. They are IRA 's. He passed away on XXXX/XXXX/XXXX and I contacted Ally Bank for the first time on XXXX/XXXX/XXXX. I was the sole beneficiary of these accounts. I faxed a copy of the death certificate and my drivers license on XXXX/XXXX/XXXX to the IRA department at Ally Bank. The money from his IRA 's were supposed to be put into a new account under my name. I mailed the new account information on XXXX/XXXX/XXXX. I have repeatedly called Ally Bank since XXXX and have been told something different every time. Every time I ask what is going on I am told that I will receive an email in XXXX to XXXX days with the correct form. The email has never arrived. I called today and asked to speak to a supervisor and was put on hold and no one ever picked up. I have asked to speak to a supervisor several times and have been told that the IRA specialists are too busy.
Consumer complaint received 2021-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BQ & Associates, P.C., L.L.O. (NE)

This account has been charged off by the original debtor. It is way past the statute of limitations. It has been sold various times over and over to debt collectors. Ive been a victim of harassment for over XXXX. Since XXXX or longer Ive had wages and bank accounts garnished with no detailed proof that the debt is actually that of mine. Ive requested to see a print out or statement from the original creditor showing a detailed breakdown of every charge. A fraudulent debt from years ago has now turned into this massive debt. I have no idea what I am paying for or how theyve reached the sum of over {$26000.00}. To this day, I have no proof of how the debt was created and again that the debt is actually that of mine. Years ago I explained to the credit card company charges were not mine. The credit card company agreed to look into it. I didnt realize fraudulent charges were made on this card in my name till months later. Unlike today you get a fraud alert immediately. Years ago this did not exist. Back then I was younger, inexperienced and had no money. I didnt know how to fight it or stop it. To this very day, the fraud continues to haunt and plague me. It is like a curse. I spoke with an attorney representing the firm in XX/XX/XXXX explaining that I had been a victim of fraud. I told him I would gather whatever info I can get and send it to him. It took sometime to gather all the information after several years had passed. Some documents I had to send for others were in storage. In XX/XX/XXXX, I sent a huge packet of information, police report and other documents indicating stolen identity, forgery and fraud. I then reached out to the attorney debt collector and he acknowledged he had received the documents. He stated the case would go no where if its fraud. However, a year later in XX/XX/XXXX I am still receiving from this same office a letter to collect this debt. I am not certain if there is miscommunication or a change in staff. I am tired of the false charges and the harassment. By their actions they've proved to be the predatory debt collector who prey on the innocent. How insensitive! I feel like the fugitive, accused of a crime not committed. Thanks to you CFPB when I filled a complaint about another fraudulent debt and garnishment you were very instrumental in helping me. As a result the courts granted me back all wage and bank account garnishments that were brought against me over several years for that fraudulent judgement. I have all the document proof I need. Will you please help me end this and clear my name once again.
Consumer complaint received 2017-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WA)

I wire transferred {$2600.00} ( + {$25.00} banking fee ) on XXXX XXXX at XXXX XXXX PST from Coinbase to XXXX XXXX and it still has not arrived a month later. I have emailed their various customer support emails, called their bank, and called Coinbase. I called Coinbase three different times, I was on extended hold, and then they hung up on me. I reached out to them multiple times through XXXX also. 

Coinbase has failed me as a customer and I 'm seeking Government help to find my money.
Consumer complaint received 2020-08-20
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: International Computer Systems, Inc. (AR)

Upon reviewing a recent copy of my credit report and becoming a victim of identity theft, I've noticed several violations of the FDCPA and FCRA one obvious which clearly has TWO DIFFERENT COLLECTION AGENCIES ATTEMPTING TO COLLECT ON THE SAME DEBT WHICH are both IC Systems and First Collection Services are reporting on my current credit report for an fraudulent  established medical account from a company named XXXX XXXX. This is unacceptable and violates the Fair Credit Reporting Act and both accounts should not only be removed due to fraud, but of duplicate reporting.
Consumer complaint received 2019-02-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (TN)

I have already spoken to a PayPal Credit representative and informing them that payment would be made on XX/XX/XXXX2019 ; therefore I should not continue to be harassed regarding payment. Because I did not allow them to schedule the payment via their system I have been called incessantly for days and told two other  reps that I have already spoken to a Paypal rep who was supposed to have notated that I would make payment on XX/XX/XXXX ... yet the calls persist. If this continues my next step is to contact my lawyer to seek legal remedy.
Consumer complaint received 2019-02-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (CA)

Radius Debt Collection reached out to me from complaint XXXX. In their communications they do not give a mini-Miranda and claim even though they are a debt collector that they do not have to say This is an attempt to collect a debt, any information obtained may be used for that purpose I have attached a copy of their letter and I find them to be dishonest in their conduct. I am requesting that you please reinvestigate them for improper conduct under The Fair Debt Collections Practices Act and with CFPB standards and Practices. 

They also say that this item is in litigation to the CFPB/FTC when it is not. No lawsuit has been filed at this time.
Consumer complaint received 2023-03-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (CA)

I have a savings account with American Express Bank that has been open now for many years. Lately, because of severe incompetence of their staff regarding a checking account, they have restricted my savings account, too, even though that account was never at risk. 

I called and ordered the savings account closed and the balance transferred to one of my external accounts which has been on file for a long time. The representative stated it would be done. The next day I received an e-mail stating they would not do that. I was told I must communicate with their banking operations department. 

I called their banking operations department and went through several identity verification requests including a code sent to my cell phone. Then the representative stated I needed to upload a copy of my state ID using a system they subscribe to called, XXXX, XXXX. I uploaded a copy of ID and on my end the process was shown as successful. The bank representative, however, stated it was not. We tried again several times and on my side it always said successful, but in her side she said it was not. 

Obviously their system is a failure. 

The representative stated the only other method to close my account was to send them a notarized form. I am currently overseas and, even if I weren't, there is no such thing as a free notary public. I would have to pay to get the money American Express is trying to steal from me. 

I want that account closed and do not want them to steal my money. I want it sent either to the XXXX external account on file or sent to me as a paper check. 

The CFPB should not allow American Express Bank to invent stories to steal a customer 's money.
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

This is a US Bank Visa debit card. I'm forced to use it to collect unemployment in the state of Pennsylvania. My card was frozen by the bank unknowingly. I contacted bank once I realized I couldn't move funds into my normal checking account. Operator said it was because they needed me to verify who I am. I sent selfie and copy of my state ID. I also uploaded my social security card and bank statement to my account. I was told all last week that this process would take 24-48 hours and account would be active again. It's now a new week and my account is still frozen. I spoke to two operators yesterday who claim that the issue has been lifted but the second operator said for some reason he is unable to make my card work again. More waiting and being told to give it another week and keep checking my account and if it's not lifted by next week to call back. My money is being held and each operator just lies and says " wait more days ''. It had gone from 24-48 hours to now check back next week. This is unethical. I have bills to pay and this " bank '' is just saying whatever they want to get you off the phone. Long wait times ( 1-2 hours ) to speak to someone. Sometimes while on hold for over an hour they disconnect the call. Once you do get through its a game of telling you lies to get you off the phone. No one has any ability to do anything for you. 

This all started on XX/XX/XXXX. Amount in account is {$280.00} with another {$210.00} being deposited tomorrow. I'm reading online reviews from others that they are dealing with the same situation for 30-45 days. I do not have a month worth of time to not have access to my money. The information they requested was sent. I did my part but they are purposely not doing they part. This is fraud.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc ()

have been using PayPal to receive payments for my online business and also paid some of my staff using same platform.

all was fine until i get notified that my account has been permanently limited.

I immediately contacted the executive office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back. 
I have a XXXX family friend who is now a client who is buying bulk clothing from me, shes been placing a lot of orders. Ive been withdrawing her payments, but they dont let me so I think I triggered the PayPal system by trying multiple times.

I cant log into my email as of now, Ill try in an hour.

Website is www.lavaracollection.com Its currently on pause until I bring my new stock, I made PayPal aware I am waiting to order new stock from XXXX. 
XXXXXXXX XXXX XXXX  which is how I mainly find new clients.