davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

In accordance of the Fair Credit Reporting Act ( FCRA ) : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. With subsections 604 and 605, the credit reporting agencies did not get the information of my bankruptcy from the State of Tennessee. I sent a certified signed affidavit to US bankruptcy court and asked if they shared and information with any of the three major crediting reporting agencies. They replied saying they did not give any information of my bankruptcy status to any of the three major credit bureaus and i attached a copy of that letter to another affidavit and sent one to each of the credit bureaus. I also did not express that information to be made public in any expressed written agreement or statement. The three credit reporting agencies received my bankruptcy information from public records which is legal to obtain but they are not in compliance with the Fair Credit Reporting Act to report those findings on my credit report. I also received a letter from XXXX XXXX XXXX from the law office of XXXX XXXX XXXX XXXX stating that their client XXXX XXXX XXXX XXXX XXXX has ceased collection of the account and submitted a trade line deletion request. THIS MARK STILLS SHOWS ON MY CREDIT FILE IT HAS NOT BEEN REMOVE NOR HAS MY CREDIT SCORE BEEN UPDATED TO REFLECT THAT ITEMS REMOVAL. The law office of XXXX XXXX XXXX XXXX did send a letter to the three major credit bureaus to removed it from my credit file. The Fair Credit Reporting Act states the regulation and laws that govern the three credit reporting agencies, however the misuse of personal information for financial gain harms consumers. This will be my last time filing a complaint with CFPB, I will be moving forward to a court of proper jurisdiction.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CO)

The issue is with the apple credit card ( Goldman Sachs ) Two payments were made on XX/XX/24, one for XXXX $ and one for XXXX , the one for XXXX $ posted like it always does, no idea what happened to XXXX $ one until I get a notification that the XXXX $ payment failed on XX/XX/24. 
Tried making a payment on the XX/XX/24 but it didnt become available immediately like it always does, so I cancelled it minutes after and try a smaller amount, same thing, so I cancelled it and tried a smaller amount again, same thing, so I cancelled it and try a different amount, same thing but I didnt cancelled the one because I forgot. 
On XX/XX/24 payment processed for XXXX XXXX it was withdrawn from my account but didnt reflect on my available balance. 
Contacted support, they said it was on hold due to a previous returned payment ( referring to the previous cancelled payments ), I argued that a cancelled payment is not a returned payment but was told that was the issue and that the funds would be available in some business days. 
On XX/XX/24 I contact support again as I am now aggravated that they have had my money for 3 business days and its not showing on my balance yet, Im told the same thing, returned payments was the issue, was transferred to 3 different specialists and a senior specialist who all said the same thing, the payment of XXXX $ made on XX/XX/24 and posted on XX/XX/24 was on hold due to the failed payment of XXXX $ made on the XXXX. 
They keep arguing the payment was returned that same day, the XXXX, yet, on my end, it was on the XXXX, and more importantly, Ive never made a payment to them that is withdrawn the same day, never, so Im confused as to how it was returned the same day according to them. 
This wouldnt be an issue if I had been warned before making the payment that it would/could be put on hold, I wouldve not made the payment, but no, they didnt provide any warnings or explanations, they are just holding the money, for 10 days, should get it by XX/XX/24 according to them.
Consumer complaint received 2021-09-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (AZ)

XX/XX/XXXX I bought Shiba inu coin when it was listed. The price I was charged for the coin was much higher on their exchange. Today XX/XX/21 they changed the price causing me to lose money. They incorrectly charged me an inflated price and now theyre pocketing the difference many people and I paid. I purchased around {$800.00} worth of the coin and after they changed the value my value dropped to about {$85.00}. Completely scammed and that money is being pocketed by them.
Consumer complaint received 2021-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (NJ)

Be it known to all who call themselves " government, '' their " courts, '' agents, and other parties, that I, XXXX XXXX XXXX, am a consumer whose consumer rights are to be protected by the Fair Debt Collection Practices Act, Truth In Lending Act, Equal Credit Opportunity Act and Fair Credit Reporting Act. I certify under penalty of perjury that the foregoing is true and correct. This statement of truth to be presented will display blatant acts of consumer rights protection violations and fraud against myself being a consumer by Discover Financial Service located at XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX ; which will continuously be referred to as " Discover ''. On XX/XX/2021 I sent a cease and desist and alleged debt validation letter in regards to an unauthorized credit transaction listing on all of my credit reports that violates 15 usc 1692C ( b ), which was performed by Discover Financial Service to Discover via certified mail. The cease and desist and alleged debt validation letter sent certified mail was acknowledged and received by Discover on XX/XX/2021. On XX/XX/2021 Discover responded to my request for alleged debt validation and remedy with two documents that completely violate 15 USC 1692g and 15 usc 1692b. Again on XX/XX/2021, Discover responded to my request for alleged debt validation and remedy with another document that violates 15 usc 1692g, 15usc 1692b, 15 usc 1666b, and 15 usc 1605. After receiving these direct consumer rights violations from Discover, the company continued to collect on this alleged debt that was never validated by continuing to report to all credit reporting agencies which violates 15 usc 1692C ( b ). The documents that were sent to me by Discover are corrupt and misleading which violates 15 USC 1692e and 15 usc 1692j. Discovers illegal debt collection practices are unfair and unjust and violate 15 usc 1692f. This company has since then closed the accounts in a negative standing and have created much hardship for me financially, mentally, emotionally, and professionally which violates 15 usc 1692d. This statement of facts clearly displays that Discover knows that they have participated in illegally debt collection practices and continue to violate my consumer rights. The below list of facts is proof that Discover has been violating my consumer rights, disregarding federal laws, defaming my character, limiting my financial freedom, affecting my familys current and future means of living.
Consumer complaint received 2017-11-19
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. (CA)

Hello- I have a student loan with XXXX . The account is reporting on my credit report twice. One I  am paying and is current on and another that is closed. On XX/XX/XXXX, I went thru the loan rehabilitate program with XXXX XXXX XXXX XXXX. I successfully completed the program after making 9 on time payments. The loans were to be set to good standing and the late payments were to be deleted and I was to have a clean slate with the loan servicer. XXXX closed the old loan and left the late payments on my credit report and added a new loan with perfect payment history. They should have deleted the old loan and they never did. So I have the same loan being reported on my credit report twice. They both have the same date as XX/XX/XXXX. I am requesting that the old loan be deleated from all 3 credit files. 

Thanks!
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (CA)

TD BANK USA/TARGETCREDIT 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 ). TD BANK USA/TARGETCREDIT is depriving my of 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 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 2021-07-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NH)

Upon checking my report i noticed some issues with reporting as payment history across all three bureaus did not match up across all three bureaus as well as I was a victim to XXXX pandemic and the amended american act which allows consumer an accommodation period to not be negatively affected for late payments on loans. 
ultimately i did complete paying off the loan later on but late payments have hurt my score. 


( F ) Reporting information during XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX XXXX XXXX ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
Consumer complaint received 2017-11-18
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. (TX)

I received a hard credit hit from XXXX XXXX on Equifax without my knowledge or consent. While attempting to have this repaired or removed Equifax first hung up on me and the second time I called I was told their system was down and to call back at a later time.
Consumer complaint received 2024-03-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XX/XX/year> No court eviction date only a move out date which I supplied to management.
Consumer complaint received 2021-07-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NH)

Upon checking my report i noticed some issues with reporting as payment history across all three bureaus did not match up across all three bureaus as well as I was a victim to XXXX pandemic and the amended american act which allows consumer an accommodation period to not be negatively affected for late payments on loans. 
ultimately i did complete paying off the loan later on but late payments have hurt my score. 


( F ) Reporting information during XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX XXXX XXXX ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AR)

MY XXXX XXXX ACCOUNT IS OPEN AND I HAVE BEN MAKING PAYMENTS, THIS ACCOUNTT IS REPORTING IN BANKRUPTCY.
Consumer complaint received 2022-09-10
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. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 2. The following status is Incorrect and unverifiable XXXX Account Number : XXXX Delete this account. 3. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please Delete this account. 
4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 6. there is some inaccurate information reporting. XXXX XXXX SERVICES Account Number : XXXX Please Delete this account.
Consumer complaint received 2016-07-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Wells fargo is reporting 30 day lates for our loan but we have been paying our mortgage on time every month. My numerous attempts to request wells fargo to correct the reporting on our credit report went ignored ... even after I have provided proof of payment on each and every month we have paid on time!!! their ignorance is anacceptable please help
Consumer complaint received 2016-06-04
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (TX)

XXXX/XXXX/16 my husband and I traded our vehicle and the payment was upcoming due on the XXXX XXXX of XXXX 2016, however the dealership stated they were paying it off and for us not to make the payment on XXXX XXXX ND 2016. The bank went into our joint savings and withdrew the payment. For XXXX it 's not just my husband 's money it 's mine as well when I called the bank 3 times they did not want to speak with me because I was not on the auto loan. But they still touch my money out of my savings so how do you explain that. However I finally spoke with XXXX or XXXX from collections department, and she understood what happened and stated she would reverse the payment. It is Saturday the XXXX the of XXXX and nothing is back yet. I called again and spoke with a XXXX and gave me attitude and kept arguing with me! I asked for managers and supposedly there was not any asked for a supervisor and he was understandin and explained what was happening with the reverse funds. I need in writing that a loan that only my husband has they have the right to withdraw from a joint account when I 'm not on that loan
Consumer complaint received 2022-09-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (IN)

This account was paid way before this went to collections. They continue to harassing and threatening me. Reporting inaccurate information and damaging my credit. I am TIRED of them! 

XXXX and CCS are attempting to bully me into paying for something that is not owed to them. The harassment by the collection agency needs to stop, IMMEDIATELY.
Consumer complaint received 2017-11-18
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. (GA)

During sometime around XX/XX/XXXX or XXXX XXXX 2016,  XXXX XXXX closed a checking account that I had with and did not explained why they closed the account I also had a credit card with XXXX XXXX. Once XXXX XXXX closed the account, I had somewhere around $ XXXX {$14000.00} in my checking account. I went to the bank because I needed to make a withdrawal and make a payment on my credit card account. I was informed that my account was closed. I then inquired as to why my account was closed and I ask " how do I withdraw my money from the bank ''. 

I insisted on make a payment, but was informed that they would not take a payment from me. I needed to make a withdrawal, but XXXX XXXX would not allow me to make a withdrawal or accept a payment from me. The teller at the bank told me that they would deduct what I owed on the credit card from my checking account and they mail me the difference. XXXX XXXX did not deduct the amount of the balance on the credit card from my checking account immediately. Instead, they deducted the money from my account much later than they indicated and did intentional financial harm. XXXX XXXX made the payment on the credit card late and it resulted in a 30 day late on my credit file. Eventually, XXXX XXXX did mail me the correct amount after making a payment on the credit card. The limit on the credit card was {$1000.00} and the balance at the time was no more than {$800.00}. 

Up until that time, I 've always made payment on time and I never had a late payment. My checking account always had a positive balance and I did not have returned checks due to insufficient funds. 

I have contacted XXXX XXXX and ask them to correct this error, but they have failed to assist me in correcting an error that they made. 

CFPB, Please help me to resolve this matter. This late payment has caused me much distress and hardship and is severely affecting me in consumer transactions. 

XXXX XXXX
Consumer complaint received 2015-03-24
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (TX)

I GOT A PHONE CALL FROM A PERSON CLAIMING TO BE MY COUSIN FORM XXXX. I INNOCENTLY BELEIVED IT AND WAS EXCITED TO SEE THEM. THEY ASKED IF I COULD SEND XXXX DOLLARS TO THEM ( AT THIS POINT IM STILL THINKING ITS MY COUSIN FROM XXXX IN NEED ) TO SUMMARIZE I GO TO MY NEARBY WELLS FARGO WHICH I WAS ASKED TO DO SO ... I CAME UP WITH 2000 AND WENT TO A TELLER GAVE HER THE ACCOUNT # THEY SUPPLIED ME WITH AND THE NAME OF THE PERSON MONEY WAS BEING DEPOSITED TO. SHE DID TELL ME IF I WAS SURE BECAUSE IT LOOKED AND SOUNDED LIKE FRAUD AT THIS POINT THIS PERSON THAT I THINK IS MY COUSIN SOUNDED DESPERATE AND IN NEED SO I SAY YES ITS MY COUSIN SHE AGAIN ASKS ARE U SURE BECAUSE IT LOOKS LIKE FRAUD SHE WAS UNABLE TO PULL UP THE ACCOUNT AND ASKS FOR THE NAME AND SHE SAYS I FOUND IT UNDER THE NAME YOU HAVE THE LAST XXXX DIGITS WRONG AND PROCEEDS TO SCRATCH THEM OUT ON MY PIECE OF PAPER I HAD IT WRITTEN DOWN ON AND GOES FOWARD WITH THE TRANSFER. I GET BACK HOME AND THEN RECEIVE A CALL FROM MY UNCLE LOANED ME THE MONEY AND AT THIS POINT HE CONTACTS MY COUSIN AND CONFIRMS THEY ARE UNAWARE OF THE WHOLE SITUATION. I GO BACK TO THE TELLER BUT AT THIS POINT MY UNCLE WAS GONE AND I DONT HAVE A CAR TO GO BACK TO THE BANK. I DESPERATELY CALL AND AM TOLD I ONLY HAD 20 MIN TO REVERSE THE DEPOSIT SO NOW ITS TOO LATE. I GO BACK TO THE BANK AND ASK WHY IF THEY THOUGHT IT WAS FRAUD DID THEY LET ME PROCEED? THEY ARE TRAINED PROFESSIONAL I AM NOT SADLY I WAS FOOLED OUT OF 2000 DOLLARS. THE MANAGER TOLD ME THEY ALWAYS VERIFY ACCOUNT # S AT WELLS FARGO AS LONG AS YOU HAVE THE FIRST AND LAST NAME THAT I CANT DO ANYTHING NOW THEY WERE RUDE AND INCONSIDERATE NOT TO MENTION THE EMPLOYEE WAS NOT THERE TOADY WHEN I WENT BACK TO SPEAK TO THE MANAGER WHICH LOOKED SUSPICIOUS VERY RUDE MANAGER PLEASE HELP ME WHAT CAN I DO?
Consumer complaint received 2022-09-10
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: Experian Information Solutions Inc. (MS)

I am a victim of identity theft. I contacted each of the consumer reporting bureaus XX/XX/22 letting them know that information on my file was inaccurate. I requested that those items and information be removed immediately because they violate rights given to me by FCRA. Those accounts and information remain. Also The XXXX XXXX is reporting information about my mortgage. I have never been late on my mortgage. XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX are also reporting accounts which are not mine.