davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I am filing a complaint against Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have hone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are requested to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2021-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI (FL)

General Revenue Corporation sent me a letter on XXXX stating I owed them for a tuition bill for XXXX XXXX University. I wrote General Revenue a letter informing me that I never attended XXXX XXXX or try to attempt to attend XXXX XXXX. I requested General Revenue Corporation to send documentation that I agreed to attend or any contract with my signature. General Revenue only sent me an invoice on XXXX. General Revenue do not have any documentation to hold me accountable for this account ( account number XXXX ). General Revenue has violated the Fair Debt Reporting Act after I contacted them and inform General Revenue this account does not belong to me. Please keep in mind, I never step foot on XXXX XXXX University campus. After graduation, I got a job to help my family to stay afloat after the passing on my grandmother. General Revenue has made it hard for me emotionally. I need this negative account gone from my credit profile
Consumer complaint received 2019-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

Citibank has recently frozen both of my checking and saving accounts which caused my HOA automatic monthly draw to not go through and my bi-monthly direct deposit to stop working. I contacted the bank numerous times and the customer service always direct me to the know/screw your client department where they kept disconnecting my call after taking for 20+ minutes each time. Their explanation for the account frozen was that the information that was provided in the trust was not completed. My wife had contacted the department that is responsible updating the trust information numerous times prior to the accounts being locked and they had never responded, like going into a black hole because they know that it is a institution that is too big to fail. Frustrated and helpless, I went to a local Citibank local branch, the manager was quite understanding and tried to help and contacting that know/XXXX your client department but the response was that the account was under review. But in the meantime, all my online bank activities were frozen. I have been banking with Citibank for many years ( ~15 years ) and i am quite upset to request a third party to intervene on this matter. Sadly, there is no other avenue to resolve this while I am incurring late fees and my credit scores would probably suffer because of some incompetent folks who simply froze their customer accounts without thinking about some consequences. I hope CFPB can bring this issue to Citibanks attention. Thank you.
Consumer complaint received 2019-03-20
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. (IL)

I received a notice that my credit score dropped 147 points. XXXX and Transunion are reporting accounts incorrectly. I have sent a letter along with a police report to both and they are still showing wrong information. 
XXXX  is showing incorrect balance on my chase act ending in XXXX. 
XXXX is showing XXXX XXXX which is not my act and is being investigated as fraud and should have been closed. 

Transunion is showing XXXX XXXX closed with balance of {$4400.00} and this act is also not mine and being investigated as fraud. The act was closed in XXXX of 2018 and XXXX XXXX informed me that NO payments should be made on the act.
Consumer complaint received 2018-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Purchased a code to a digital product and transferred funds using Bank of America 's mobile banking application - which is powered by XXXX. No disclosures, not addtional information on the process, etc. Called immediately to cancel transaction and was told by client services to let the transaction go through because the transaction could not be in a " pending status '' to reverse. Once cleared then make a claim against the transfer. I followed their instructions and then the Bank denied my claim. Called Bank, went into bank, and nobody is willing to provide service or back their endorsed product.
Consumer complaint received 2020-07-16
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. (NV)

The information on the Experian Credit Report is incorrect with the exception of one name, one address, one year of birth. That correct data is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV XXXX DOB XX/XX/XXXX, and with one state ID ( no drivers license ) NV State ID = XXXX I was XXXX during the XXXX XXXX into the early XXXX XXXX 

The creditors - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. 

During the years I supposedly went into debt with these companies, I was XXXX and not only unable to use their service but had no access to them.
Consumer complaint received 2018-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On Saturday XX/XX/XXXX I was in contact with a seller ( XXXX XXXX XXXX XXXX XXXX ) on XXXX. He was selling a transmission for a car. I tried several different way to pay for this item. XXXX was not working at the time and the seller suggested using XXXX stating that it was free and safe.I found that this app was a feature that appeared to be backed by my bank. All I had to do was log into my Wells Fargo App and click on a button that said send money with XXXX. I used this feature within my Wells Fargo app to send him a deposit of XXXX. Once he received that I sent him the remaining XXXX on the same day. This larger amount did not actually go through until XX/XX/XXXX according to the XXXX Activity Log. The seller was very active with talking to me and confirming my information and promising shipment as soon as the money was received. I have not heard from the seller since that day. I filed a claim with XXXX and they responded that they would not step in until XX/XX/XXXX. At that time they informed me that since I did not use XXXX they would not assist me. I requested that this seller be block and complaint be filed. I then called my bank Wells Fargo who told me that " I knowingly sent the money and they would not assist me either ''. I tried reaching out to them again since there has to be a way for them to do a take-back or a reversal of the money. They said there is nothing they can do even if I misspelled the email address that I was sending it to they would not be able to stop it. I did reply to a video that Wells Fargo posted about XXXX and how easy it was to use. This got someone from their social media account to reach out to me who did not assist me either. He just kept saying that it says in really fine print about liability and limitations. I am currently out XXXX I have all the emails back and forth with this seller and the confirmations from XXXX of the transfers. Neither XXXX or Wells Fargo will assist me.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Previous dispute I submitted on this website was declined by XXXX XXXX XXXX because Bank of America submitted an erroneous dollar amount. After leaving 7 voicemails in a 4 week period to talk to Bank of America representative, regarding her submitting erroneous dollar amount, I have never received a return call. This is regarding claim number XXXX. Representative continuously denies claim, but wont submit the proper amount!
Consumer complaint received 2022-04-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

this was not sent in error i am a consumer by law and my informaton was misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (FL)

I opened my checking account with TD Bank on XX/XX/XXXX. When I opened the account it was within a promotional period to receive {$300.00} bonus after certain conditions were met. 
1. New account holder that has not received a bonus within the last 12 months - condition met. 
2. At least {$2500.00} in direct deposits made within first 60 days - condition met - {$3700.00} in direct deposits made by XX/XX/XXXX 3. wait a maximum amount of time for bonus to post ( XX/XX/XXXX ) - condition met I had met all conditions and spoke to multiple customer service representatives in regards to where my bonus is but they just keep telling me to wait and that they will forward to promotion department. 
I have met all conditions and expect that my bonus be paid as is stated in the terms and conditions ( Which I do have screen shot copies of the terms and conditions )
Consumer complaint received 2022-09-15
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 first noticed in XXXX  that Equifax was reporting late payments on an account that i paid off fully in XXXX. I purchased in FULL my car that was being leased from XXXX in XXXX. Never missed any payments, but Equifax started reporting me as being late on an account that was closed out. I sent them a letter and they ignored the late payments. I sent XXXX a letter and they said they would tell Equifax this was a mistake. However they are still reporting me as being late today. How is this possible? It is really causing me to lose out obtaining credit and good interest rates. How can they knowingly keep making this mistake? There is no way my credit score should be hurting because Equifax is refusing to do their job. I am the victim here ..... Please help
Consumer complaint received 2021-09-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Santander Consumer USA Holdings Inc. (LA)

Due to the continual inaccurate and false information by Santander to my 3 credit bureaus I have been denied a mortgage, have had to pay higher interest rates on other loans, and have lost thousands of dollars. I had an auto loan with Santander in XXXX and the car was total loss on XXXX XXXX due to intoxicated and uninsured driver who illegally hit me from behind. Santander is inaccurately reporting 3 different things to all three bureaus. I have reached out to them and submitted disputes with no response or corrections. from them. They currently have numerous other complaints on your website and with the XXXX. Also Santander Consumer USA settled with the Consumer Financial Protection Bureau over allegations that the ban sent inconsistent information about consumer auto loans to credit reporting agencies between XX/XX/XXXX and XX/XX/XXXX. They have had lawsuits through the attorney generals office due to their inaccurate practices.
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Has violated my rights. 

15. U.S.C 1681 section 602 A. State I have the right to privacy. 
15. U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instruction
Consumer complaint received 2021-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

I have a account in Coinbase. 
Since 2 months ago the reason under account review I can not move my cryptocurrency. Tons of time I complained to coinbase but they saying nothing to me.
Consumer complaint received 2022-09-15
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. (OH)

In accordance with the Fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Has violated my rights. 

15. U.S.C 1681 section 602 A. State I have the right to privacy. 
15. U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instruction
Consumer complaint received 2021-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (CA)

received a letter in the mail from XXXX debt collection company saying I owe PayPal XXXX I don't have a paypal account i never created one a few months ago i had an identity theft case started my mother and sister stole my information and got stuff in my name i currently have a lawyer helping me with this but i would like to know what is this for.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

There is a closed account from XXXX, Account # XXXX on my credit report that doesn't belong to me. This account was opened in XX/XX/2016. It has been disputed by all three credit bureas & XXXX/XXXX. It was resolved & deleted from my credit report but for some reason it keeps reappearing on my TransUnion report with no explanation. I have disputed this again with no luck. I am demanding that XXXX  abide by the FCRA & delete this account from my credit report. It is fraud & damaging to my credit!
Consumer complaint received 2020-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TN)

Afni, Inc has placed a collection on my credit profile claiming that I owe {$76.00} to XXXX. I have NEVER had an XXXX  account. I've mailed letters to this company TWICE and have not received one single reply. This company is tarnishing my credit worthiness for no apparent reason.
Consumer complaint received 2019-03-20
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. (OH)

ATTN : Legal Department I would like the following information deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) (  D ). The specific information is not accurate .XXXX XXXX XXXX Closed : XX/XX/XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. As well as The items that appear on my credit report as XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I have never done any business with this company and I demand a full investigation. I do not recall any payments or anytime timeline of activity ( XXXX ).
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

On XX/XX/2021 I attempted to temporarily lift my credit freeze on the Equifax website. 

However, the website indicated my account was not working and I should call. 

After going through the a lengthy verification process and a length troubleshooting process, the support person was unable to fix my account, but they did temporarily lift my freeze for me. They said they would reach out about how to access my account. 

On XX/XX/XXXX, I needed to lift my freeze again. My account still did not work. However, after again doing the lengthy process of verifying my identity, they told me I could not speak to an operator and that I should provided the required documentation by mail or fax but did not say what documentation to mail or fax or where. 

I'm now stuck. There is no way to speak to anyone there without verifying my identity. There is no information on their website. I never chose to work with Equifax, and they are now wasting my time with their XXXX bureaucracy.
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

n accordance with the Fair Credit Reporting act XXXX  accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  Account number XXXX, XXXX XXXX XXXX XXXX account number XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-06-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX, XXXX  & Experian. 

I didnt hear back so I sent the dispute again on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Consumer complaint received 2018-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (KY)

Message : XX/XX/XXXX @ XXXX HI, my name is XXXX XXXX, my back account was hacked XX/XX/XXXX for {$2000.00} from this place called ORIG CO NAME : XXXX XXXX XXXX XXXX : PAYMENT SEC : XXXX XXXX XXXX XXXX XXXX ACH debit {$210.00} this is just 1, I have 15 more for different amount which totals {$2000.00}, I contacted the XXXX  branch FBI and they told me to get a police report which I did, and the officer said I should let your office know as well.. I done some checking on the place, I think they're from Calif. and the ACH debit means it getting clearance to be wired to overseas. I checked on complaints and there's a serious problem with this company with money fraud. ALSO CONTACTED COMPANY AND THEY TOLD ME THEY CAN'T TRACE THE NUMBERS WHICH TOOK THE MONEY, YEAH RIGHT .... The ORIG ID number is where these transactions took place, I DON'T HAVE THE MEANS TO TRACE THIS ... COULD YOUR OFFICE LET THE FBI KNOW.. THE HACKED BANK WAS XXXX IN XXXX THE POLICE OFFICER WHO TOOK THE REPORT IS XXXX XXXX IN XXXX AND THE CASE # XXXX ... I'LL BE SENDING HIM BANK STATEMENTS ON THIS ... .. THANK YOU VERY MUCH ...
Consumer complaint received 2021-03-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MI)

I have sent in several disputes demanding Proof / Documents from Experian and yet they haven't sent me anything. Experian Keeps replying online saying that it Remains, without them sending me any Proof/ Documents showing that I owe this debt. I need this Removed Immediately. My rights as a consumer have been taken advantage of, I know that Experian is obligated to Send Me Proof /Documents as I have requested several times. I want this Debt Removed Immediately.