davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (FL)

There is an account reporting on my credit report that does not list the name, address, or telephone number of the furnisher it just lists the account # XXXX open date of XX/XX/XXXX, the balance of {$110.00}, and notes that remark that this is a medical debt. According to my research each company that reports to your credit report should provide the consumer with information to contact them.On XX/XX/XXXX I sent a letter to the credit bureau to notify them that this was an unknown account without credit contact however I have not received any response from the credit bureau and the account continues to report inaccurately on my credit report. Please see the attached.
Consumer complaint received 2020-11-12
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (MI)

In XXXX of 2020, I contacted Chase Bank XXXX XXXX XXXX to get assistance with the deferment of my lease payment. At that time, I explained that my husband was unable to work due to XXXX causing loss of his entire income. I requested assistance and was advised that two of my payments would be deferred. At that time my payments with the lease were current. I entered into the deferment. However later in the year, I began to receive collection calls from Chase Bank. At this time, they alleged that my lease payment was behind. I explained that this couldn't be correct because I entered into a deferment due to the pandemic ( a natural disaster ) due to a loss of income as a result of XXXX. I was then told that because my lease was behind for the month of XXXX and XXXX, the deferment was applied to those months. I quickly retorted that this is impossible. Even of this is the case, why wasn't I told prior to entering into the deferment to allow me the ability to remedy this? 

I was then advised to prevent further collection activities and possible repossession of the vehicle, I would need to turn the vehicle in. This took place in XXXX. Yet, Chase reported the car as a " repossession '' on my credit report. I quickly called them and reminded them of what was promised and demanded that they remove this notation from their internal system as well as from any credit agencies if such had been reported. While they corrected that part, they are still reporting the months of XXXX and XXXX as " 30 days late '' when I was told lease was allegedly behind for the months of XXXX and XXXX. I never heard of any late payments until this time by phone or in writing. None of my contact information has changed since opening this account. It is unclear why I was never notified of the alleged payments that were " not made '' according to XXXX. 

At this time, because of the vast amount of conflicting, misleading, and misinformation given by each representative, it is unclear if ANY of this information is correct. This entire experience of incompetence has caused great financial harm to my family as well as my credit scores and my ability to be extended credit.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX I sent Experian a letter of dispute making the company aware that there are addresses on my consumer report that do not belong to me and I would like them removed. Because Experian sells data my identity is compromised every time they provide these false addresses to anyone trying to contact me. This violates the BREACH OF PRIVACY LAW as well as THE PRIVACY ACT OF XXXX LAW. Instead of Experian removing the errors they updated the address which further violates my federal consumer rights. My legal and only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The addresses that follow do not belong to me XXXX XXXXXXXX XXXX XXXX XXXX  XXXX.
Consumer complaint received 2018-02-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (OR)

My account is locked with Coinbase. Whenever I try to logon it asks me for identity verification and when I upload my driver 's license, it says the photo ID doesn't match because it just picks last name and middle name from the driver 's license. And my name on the account is First name, Middle name initial and last name. 

I called their customer support and they keep telling me that case is in the queue and specialist will have to look into it. It has been more than 2 weeks and the account is still locked. Every time I call their customer support they provide the same answer and they tell me they don't the timeline when the specialist will look at my case and they can't help me further. 

Right now all my money is stuck there and I am unable to access it. I am not even sure if my account has been compromised because they are not providing any information and not unlocking my account.
Consumer complaint received 2021-07-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2019, account ending in XXXX and XXXX under my husband 's name, XXXX XXXX and account ending in XXXX and XXXX under my name, XXXX XXXX, was determined by Bank of America to have a balance. After the bank completed their investigation and verified it, the Bank of America closed the accounts and refunded us the balance via cashiers checks. A total of four cashier 's checks were sent to us upon the closing of these accounts but I was not able to cash them because they expired. Letter from Bank of America XXXX Reference # : XXXX ( XX/XX/2019 ). 

I send letters to the bank but they never responded. I called several times and left messages but the messages were never answered. I would like your help to get the balance owed to me by having Bank of America re-issued the checks or cashier 's check credit to me. 

Thank you, XXXX XXXX
Consumer complaint received 2021-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc. (TX)

They sent me a email saying I owed them money due to embezzlement from a previous company I worked for. This is not only slander but unfounded when I asked for proof they sent me like a screenshot of a transaction on XX/XX/2020 saying it would be their final attempt. I asked for more proof and they said thats all they had to provide me and put it on my credit as well. Obviously this is heinous and wrong as I did not embezzle anything and they did not want to provide proof or work with me. I want it off my credit and I want them to apologize in writing for putting me through this ordeal.
Consumer complaint received 2022-08-11
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. (CA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiry is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry from my credit file. 
TRANSUNION : XXXX XXXX  XXXX XX/XX/2021
Consumer complaint received 2017-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I am a XXXX veteran who is tax deferred on property tax. I obtained a mortgage in XXXX. 2016, 7 months later a letter from Wells Fargo states that my new payment will be XXXX instead of XXXX due to a shortage in my escrow. I called and they said they paid my taxes of XXXX and I told them I am tax deferred and they made a mistake. They say they cant change back to my original payment until they get their money back from the town of XXXX XXXX, NJ. XXXX and XXXX they let me pay my XXXX over the phone now they wont, but they put a extension until XXXX XXXX to pay the XXXX. The town is working to give back the bank its money but they have to go threw a process which takes time. So why am I being burdened for their incompetence?
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The letter below was sent to Transunion on XX/XX/22 and I've included their response in the attachment Dear TransUnion To be clear, 15 days should be enough time for your company to send me the information that Im requesting regarding the last investigation you did on the following account listed below. 



XXXX XXXXXXXX XXXX XXXX  : Account number : XXXX, Tell me, how did you verify this account? I need a full investigation done and a full report. 

You verified this account pretty fast, therefore I have a simple request. What procedures does your company have in place to investigate accounts? Please send me a copy of those procedures. Second, what data are you basing your verification on? Please send that to me also. I want to make sure you are following all laws. If you can not provide me with the documentation, please delete it from the report and send me an update. 



Once again, I believe 15 Days should be enough. As I am tracking all letters and awaiting your response. 



Sincerely
Consumer complaint received 2019-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see pages 20 and 21 attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.  Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-17
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. (OR)

Call Experian on XX/XX/19 to find out why my credit score had dropped twice in the last two months. After speaking to an Experian representative to get a screen shot for this report I find that that screen is no longer available. It appears to me they use this tactic to frighten the user into going into their account to get them to either update their account to a paid subscription or entice them into applying for one of their credit card. I find this very underhanded.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Equifax has divulged my information without my consent via the recent data breach. This has made my personal identifiable information, including but not limited to my SSN, my date of birth, and my credit card information, essentially public information.
Consumer complaint received 2016-07-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (TX)

Conn 's Credit Corporation refuses to honor contract they wrote and entered into with me on XXXX XXXX, XXXX. I have made all required payments under this contract with Conn 's as agreed. However, the company is causing harm to me by repeatedly reporting my account as past due to the credit bureaus, threatening legal action, and refusing to honor my requests for a full accounting of all payments I have made to them since the establishment of this new contract. I have made all payments using cashier 's checks or money orders and I sent the payments via USPS with tracking numbers, so I could verify receipt of the payments. I have already written the company twice regarding this situation ( XXXX XXXX & XXXX XXXX ) asking them to update my account with them and correct their credit reporting. When I initiated a online dispute with XXXX earlier this year, stating that the account number about which Conn 's is reporting is a closed/invalid account, they upheld the fraudulent reporting by Conn 's. I am sending another letter today to Conn 's and all XXXX credit bureaus to request the correction of this information immediately. I received XXXX letters from local attorneys in XXXX offering to represent me in a civil lawsuit allegedly filed by Conn 's. The letters indicated that Conn 's filed a civil lawsuit in the XXXX XXXX XXXX Court of XXXX County, Texas on XXXX XXXX, XXXX. To date, I have not been served by Conn 's or received any official notification of this lawsuit and it appears the filing was a threat or scare tactic to harass and intimidate me. The entire matter has taken a toll on me personally, financially, and professionally. Despite my efforts to pay my debts in a timely manner, my credit scores have fallen to a point that makes it difficult for me to refinance current debt, provided greater financial assistance to my family, seek greater professional employment, and Conn 's refusal to provide the account information I have requested has caused levels of stress that are affecting me physically as well. I have maintained records of my payments and copies of the correspondence sent to Conn 's.
Consumer complaint received 2015-06-09
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (IL)

Used my card to pay for service/fee ( exit tax at XXXX XXXX airport ) and the merchant processed as a cash transaction. I was unaware of this. I was charged {$10.00} plus interest. Barclaycard offered to remove both charges, which is fine but that is only part of the problem/resolution.
Consumer complaint received 2021-09-10
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: FIDELITY CAPITAL HOLDINGS, INC (CA)

I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.
Consumer complaint received 2019-03-07
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: Experian Information Solutions Inc. (NV)

There is a major issue with information on my credit report. My name is XXXX XXXX not XXXX XXXX which is a name that constantly keep showing up on my credit reports. I sent in a copy of my utility bill and my social security card showing my correct address which is XXXX XXXX XXXX, XXXX XXXX, Nv XXXX. Been here for quite sometime. I called the credit card companies and all those accounts are XXXX XXXX not XXXX XXXX with a address that do not belong to me that was opened online some time ago. I have disputed and this is my last attempt to remove this accounts for they belong to someone else. The XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Im assuming these accounts are connected to a bankruptcy that showed up on my report.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION and XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2021-07-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-09-09
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: EQUIFAX, INC. (GA)

All of the inquiries listed on my Equifax credit report are fraudulent. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2021-09-10
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: HCFS Healthcare Financial Services of TeamHealth (FL)

I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has incorrectly reported my payment, balance, and status incorrectly and has failed to resolve these issues after multiple attempts to remedy. 

From XXXX to XXXX my credit report shows multiple inaccuracies in terms of payments made, balance owed, and the late statuses. See attached account information detailing history and corresponding payments made. 

On XX/XX/XXXX, I spoke with a representative whereby we agreed to settle the balance for {$2000.00}, at which time I paid that amount which cleared my bank on XX/XX/XXXX. 

On XX/XX/XXXX they reported an account balance showing due ( per XXXX ). 

On XX/XX/XXXX I received a call from a BofA representative requesting I pay an additional {$9200.00}. 

These reporting errors have caused significant damage to my credit history resulting in loss of other creditors and employment damages due to FICO reductions that triggering closures and improper representation of my efforts to bring the account current, and to settle in good faith. 

They are careless, negligent, and lacking any coherence in their customer service processes which lead to significant and materially damaging consequences to the consumer.
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (OH)

I had purchased several items from XXXX on XX/XX/21. I ended up cancelling 4 of these items and asking for a refund which was done. NOW THERE IS A HOLD PLACED on my card where I can not access the funds. Tried reaching out to the customer service number and told nothing could be done, called back today and no answer. Sent a message to the customer service via email this morning. I need to access my funds and this is totally fraud on part of Netspend. I WANT MY FUNDS RELEASED and will be going with another financial institution for my banking needs as I have a direct deposit set up with Netspend.
Consumer complaint received 2020-07-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CFAM Financial Services, LLC (CA)

CFAM Financial Services LLC threatened to call the police to repossess a vehicle on private property. Their representatives knocked on my door at XXXX, and threatened me by stating that I was violating the law, and that they would bring the Sheriff. 

Not only is CFAM buying defaulted predatory loans, they were difficult in dealing with. When they came to my property, I offered to resolve the issue in the morning. Not only did they refuse, they started yelling and became verbally abusive.

CFAM never sent account or balance updates and misrepresented the Amount due on numerous official documents.