davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (ID)

I have a bank account at Wells Fargo. I was charged an overdraft fee for about {$600.00} when I wasnt even close to {$0.00} in my account. It was taken and I havent gotten it back.
Consumer complaint received 2021-06-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (SC)

Re : Coinbase Pro : Today is XX/XX/2021. 

One XX/XX/XXXX, I was locked out of my Coinbase Pro and Coinbase accounts which was holding XXXX ETH coins equivalent to {$95000.00}. The reason stated for being locked out was potential suspicious activating. I followed all recommended steps posted on Coinbase 's website to regain access. All attempts failed. Coinbase does not have a technical support call number or the availability to chat with a service member. 

From XX/XX/XXXX to XX/XX/2021, I have sent approximately 15 emails regarding my Coinbase case number. : To date, I have received no response from Coinbase or Coinbase Pro that provided any measures to gain access to my account and funds. 

I need Coinbase to contact me and confirm my funds are secure and that my account has been re-activated.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ZWICKER & ASSOCIATES (GA)

my XXXX  account online doesnt allows me to add a payment method or set up online payments and im directed to pay via wicker and associates. now for three moments ima. row, XXXX XXXX XXXX XXXX  ive tried to call to make payments and shouldnt have had any late payments but now i have not only three months of late payments but also a charged off account. 

this is because every time i contact XXXX  to pay they redirect me to their collections agency zwicked and associates but they continuously say that consumer direct has power of attorney over my file. this is inaccurate and ive told them this for three months as well as contacted consumer direct to ask how this is being said they say they do not have power of attorney and i know well enough to know i havent ever signed my rights over to anyone else. 

just as ive stated fr the entire duration of XXXX  this has been the case. I call and attempt to make a payment followed by them, refusing to take my payment and saying that they can not take my payment and are not authorized to do so because consumer direct has power of attorney over my file. this is all false and i can not make a payment with them even thought they continue to tell the cfpb they will take payment they will not take payment and my account continues to default DUE TO THEIR refusing to accept. payment due to saying i cant pay j own account. 

XXXX XXXX does nor have power of attorney. this is false information and continued lies from these predators at zwicker i canams have been attempting to pay my account for three months with no avail as they continue to tell me they cant take my payments unless consumer direct gets involved. they are replying with false information to my claims
Consumer complaint received 2020-12-04
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: Dyck-O'Neal, Inc. (IL)

Dear Dyck O'Neal, XXXX  and, XXXX Thank you for sending me your internal records of the debt ( Dyck O'Neal ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or valid E-Signature proving my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from XXXX  AND DYCK O'NEAL including reporting payments on a CLOSED ACCOUNT from an Collection Agency AND creating duplicate accounts on my XXXX  REPORT ( please see attachment ) which is in violation of the FDCPA. you stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

In response to my prior complaint through cfpb, XXXX cards sent me a letter dated XX/XX/2018 apologizing for the confusion with my account and agreed to uphold our payment arrangement. They advised me that they would be writing my balance off at the end of the year. I went to help my son get a loan for his car and it was brought to my attention that my credit score had dropped significantly, more than 100 points from the 700s to now the 500s. In reviewing my credit report I found that sometime earlier in the year XXXX not only dropped my credit limit affecting my credit utilization and credit score, but also started reporting my account delinquent affecting my credit score. I called XXXX several times and about a week ago spoke to someone/manager who acknowledged that this should not be happening and he would get corrected. As recently as today, the account is showing 60 days delinquent, which is not the case per our payment agreement. 
I want my credit restored. If XXXX is going to write off the debt which will likely affect my taxes, then I do not also want to be hit with the terrible effect on my credit. In the last few months I went from good credit to poor credit which is not reflective of the type of consumer that I am. It is unfair and I don't think that any company should do that to a customer. Really disappointed with XXXX cards once again.
Consumer complaint received 2019-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2020-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (FL)

I received an XXXX credit card in the mail that I didnt apply for. I have called more than 7 times to this company and spoke with the supervisor XXXX on several occasions beginning on XX/XX/XXXX. My last call was made on my birthday XX/XX/XXXX when I discovered this card was being reported to the credit bureaus as late. I requested confirmation in writing that this account was being investigated for fraud and XXXX hung up the call on me. I called back and spoke with XXXX who XXXX also directed to disconnect the call. I have sent a letter from my XXXX XXXX identify theft account and still have not received any reply.
Consumer complaint received 2018-02-12
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MI)

I applied to Wells Fargo Home Mortgage to assume the mortgage from my Dad 's condominium after he signed the title over to me. Wells Fargo 's made their conditions to close the Assumption impossible for the Title Company that I selected as my Settlement Agent to close the transaction. After my selected Title Company ( XXXX XXXX ) could not legally fulfill WF demands, WF also refused to allow a Real Estate Broker I selected to act as my Settlement Agent, even though Michigan law allows a R.E. agents or brokers to close Assumptions. I contacted other Title companies and a Real Estate Attorney to act as my Settlement Agent, and they all indicated they could not legally close the Assumption under Well Fargo 's conditions : to provide a Sellers Closing Disclosure prior to WF providing a Closing Disclosure. As a result Wells Fargo steered me to, in which I was FORCED to use a Wells Fargo 's Settlement Agent ( XXXX XXXX ) for the closing of the Assumption. Because my Dad is in the process of purchasing another home which requires his relief from this loan, I have been pressured to use Wells Fargo 's closing agent. Wells Fargo is also including a vague Servicing Fee Agreement for me to sign at closing, which has no list of of fees assessed in connection with the servicing of this Michigan mortgage.
Consumer complaint received 2018-03-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (MD)

I have tried to dispute my account with the creditor Synchrony bank, which appears on my XXXX  and XXXX credit report ( see attachments ). I contacted Synchrony bank directly requesting them to provide me with verifiable information that this debt is indeed owed by me. They responded with the attached letter, stating that this account has been sold to XXXX XXXX XXXX. If this is the case, Synchrony bank should not still be reporting this account to my credit file. I have asked them to remove this, and they have refused. This in return has negatively impacted my ability to obtain credit.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

My Synchrony 76 Card account was closed in XXXX of 2021 despite onetime payments, I can only guess for lack of use during covid lockdowns. However, they did not report this to any credit bureau and continued to apply interest and fees for an account that was closed for another 10 months. I eventually settled for {$400.00}, {$100.00} more than my balance when my account was closed, and they show late payments for following 10 months on my credit report. When they settled with me they claimed my account was still open until XX/XX/2021, which was untrue.
Consumer complaint received 2021-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thrivepoint Financial Holdings, Inc. (MO)

I have a PACE assessment in which I entered into an agreement with the HERO program ( through Renovate America ) to fund the installation of solar panels at my home, the debt would be paid over 5 years as a property tax assessment, and the loan documents clearly stated that there is no prepayment penalty. The debt is currently being serviced by XXXX ( XXXX ) and I am unable to move forward with paying off the loan until I pay a {$50.00} fee to the company to generate the payoff amount. I inquired about it and they claim it is a 'document generation fee ' but if there is any fee that is required to be paid in order to pay off the loan, it is a prepayment penalty. Nowhere in the loan agreement does it mention any additional fees outside of the specific ones disclosed and rolled into the principal amount. I shared that information with XXXX, that they were in violation of the terms of the loan agreement, and asked them to waive the fee, and they declined.
Consumer complaint received 2021-06-08
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. (MS)

Experian, XXXX XXXX XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2018-02-12
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. (FL)

My name is XXXX XXXX. It has been well over a year TransUnion and there is still an inaccurate account by the name of XXXX XXXX XXXX along with several errored inquiries looming and are in the attachments section. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2022-08-17
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending frequent letters to Transunion for them to eliminate the accounts and information that caused due to the theft of my Identity. The previous letter I sent to Transunion was XX/XX/XXXX with comprehensive attachments of my Personal information, but though all my efforts, Transunion seemed to disregard my petitions and neglect their duty to fulfil with the FCRA section 605b. In my prior letters and complaints, I am demanding that Transunion study and confirm the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to reply to my letters regarding the analysis and the documents I have been requesting, but after a period of waiting, they sent me nothing. The Credit Bureaus are given plenty amount of time to do and finish their investigation but their study had done nothing to correct my File. Now, I am submitting this complaint to urge Transunion to remove the disputed items with or without appropriate investigation since the time allocated for them to conduct their investigation is already over. I have attached here my FTC report that I filed online and the Police Report I have filed on my local Police Department. Once again, I AM DEMANDING THAT TRANSUNION ELIMINATE THE FOLLOWING ITEMS TOTALLY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00}, XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}
Consumer complaint received 2021-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (NY)

On XX/XX/2021 I paid the full amount of XXXX to the originally creditor. The balance was updated and Receivable Management Services LLC stated they would remove the collection. I have written emails, did disputes and nothing has changed. I also spoke to 3 different representatives, all three were rude and hung up and just updated saying paid in full. I called on XX/XX/2021, XX/XX/2021 and also XX/XX/2021.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX is in violation under 15 U.S. Code 6802, 18 U.S. Code 1028A, 18 U.S. Code 894, 15 U.S. Code 1681 ( a ) 4, and Under Florida Statutes 817.568, the fraudulent use of personal identification information without authorization is a felony offense
Consumer complaint received 2022-08-17
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. (MN)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX and TransUnion credit reporting agency. I request that CREDIT BUREAUS initiate an investigation into the following inquiries and inaccurate information listed on my credit report, once their investigation is complete, find my allegation to be true, please remove these items as soon as possible : XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX 2021. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-06-08
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: Phoenix Financial Services LLC (MS)

XXXX XXXX XXXX XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (PA)

Ford Motor XXXX XXXX of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., FDCPA, and Pennsylvania XXXX I am writing to file a formal complaint against Ford Motor Credit, located at XXXX XXXX XXXX, XXXX, XXXX XXXX, for its blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically under sections XXXX XXXX. XXXX ( a ) and XXXX XXXX. XXXX, among others as well as the FDCPA and Pennsylvania XXXX. 

XXXX XXXX XXXX has inaccurately reported an account on my credit report as charged-off and closed by the credit grantor. However, this account was charged off and subsequently sold to a debt collector. Given that XXXX XXXX XXXX XXXX XXXX owns this account and has been compensated for it, the persistence of this trade line on my credit report is incorrect and misleading. 

Additionally, the reported charge-off amount is erroneous. Prior to XX/XX/2021, I had made substantial payments towards this account, which are not reflected in the reported balance. This misrepresentation has unjustly impacted my XXXX XXXX and financial standing. 

Pursuant to XXXX XXXX. XXXX ( a ), XXXX XXXX XXXX XXXX XXXX to furnish accurate information to consumer reporting agencies and correct and update any incomplete or inaccurate information. Moreover, under XXXX XXXX. XXXX, as a consumer, I have the right to dispute the completeness or accuracy of the information in my credit report, compelling Ford Motor Credit to rectify any inaccuracies found. 

Ford Motor Credit 's refusal to amend this inaccurate trade line despite my disputes and supporting documentation violates these FCRA provisions. This action not only harms my creditworthiness but also undermines the integrity of the credit reporting system. 

I request the Consumer Financial Protection Bureau to intervene in this matter and compel XXXX Bank to comply with its legal obligations under the FCRA, including the immediate correction of my credit report and any other relief deemed appropriate.
Consumer complaint received 2022-04-30
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: Kikoff Inc. (GA)

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 602 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-04-30
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: First Credit Services Inc. (GA)

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 602 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt