davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (FL)

I was a long time customer of Equifax for their " Equifax XXXX XXXX XXXX ''. I paid a monthly fee of {$29.00} from XX/XX/XXXX through XX/XX/XXXX. I called Equifax today to cancel the plan because I realized that I wasn't using their service and wanted to save the {$30.00} a month. While looking online at Equifax 's products I saw the " Equifax XXXX  XXXX XXXX '' is available online for {$19.00} a month. 

I called Equifax back and asked how long that I had been overcharged and if I could get a refund for the {$10.00} a month I've been overcharged. I got various explanations from the two customer service reps I spoke to. One was that the {$19.00} price was a promotion that goes up to {$29.00}. The details on the website do NOT state that the price will go up. The other rep explained that this price was only for new customers. Neither was willing to give me a refund or tell me how long I had been overpaying for this product. I assume that every client of this Equifax product could save {$10.00} a month by cancelling and re-applying for the product, but Equifax is not doing this on their behalf.
Consumer complaint received 2020-04-27
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. (NY)

After reviewing my credit report on XXXX XXXX  and TransUnion, i noticed that there is a unauthorized inquiry on all three credit bureaus. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. INQUIRY DETAILS : XXXX XXXX XXXX Date : XX/XX/2019
Consumer complaint received 2020-04-27
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: Experian Information Solutions Inc. (NY)

After reviewing my credit report on XXXX, Experian and XXXX, i noticed that there is a unauthorized inquiry on all three credit bureaus. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 
INQUIRY DETAILS : XXXX XXXX XXXX Date : XX/XX/2019
Consumer complaint received 2022-08-13
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. (MO)

I am Submitting this complaint to you today to follow up the complaints and letters I previously submitted. I sent a letter addressed to the Credit Bureaus on XX/XX/XXXX to remove the Disputed Fraudulent items that are completely UNKNOWN to me. I have read that under the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. I feel like the Credit Bureaus have not yet taken action to my previous complaint and I going to follow up the complaints O previously submitted. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX  XXXX  XXXX Balance Owed : {$350.00} XXXX/XXXX date of inquiry XX/XX/XXXX XXXX/XXXX  date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date of inquiry XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (WA)

I have been dealing with Midland Credit reporting false information to my credit report for the last 6 years. They said I opened an account while I was out of the country for 2 years and could not have possibly opened it. The person who did open it, didnt even provide the correct address. After 3 years of disputing through the credit reporting agencies, recently have been severely impact when the financial struggles have hit during Covid 19. I have not been allowed to increase my line of credit due to this fraudulent and illegal activity. I have tried to work with 12+ individuals and management staff to Midland Credit . 

I have filed police reports in XXXX Washington, disputed the debt to all 3 credit bureau, and called to speak with them 40+ times in 5 years. They have given me the run around refused to provide me with information for my disputes and knowingly continued to report false accounts to my credit report. 

Upon calling today XXXX and XXXX refused to provided me with any information I needed for this complaint. This company is the most unethical and poorly run business I have ever encountered. I am surprised the FTC still allows them to operate with this level of illegal behavior toward our communities.
Consumer complaint received 2024-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (GA)

Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX description : XXXX XXXX XXXX XXXX is holding roughly {$34000.00} on XX/XX/2024. 
When contacting customer service they said I need to verify my identity and that what I did. Shortly after I received an email that they were deactivating my account and holding my funds for 90 days and could not explain why. Their hold is arbitrary and capricious ; ample proof was given to validate transactions and my identity ; after proof was provided the resolution time was unwarranted. 

The software that we use for our sports league is called XXXX XXXX They use 3rd party ( square ) for their payment processing when teams register for events. This is why we used square because it was supposed to be easy and stress free for us as a league.
Consumer complaint received 2021-05-19
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: Experian Information Solutions Inc. (TX)

I had a medical collection bill that opened on Experian XX/XX/XXXX. It was from the agency XXXX XXXX XXXX. On XX/XX/XXXX, the collections account was deleted from my credit report. On XX/XX/XXXX, my credit score on my Experian credit report fell 64 points because they sold my information to " XXXX XXXX  XXXX '', who then reinserted it on my credit report. I was not notified by Experian that this change would happen. According to the FCRA, " if an item is erased and is reinserted afterwards, the FCRA requires that the CRA send you a written notice of reinsertion within 5 days ''. They did not do this ; therefore, it was a violation of the FCRA. Also, I am not certain but I don't think its okay for my information from a health care facility should be sold to collections who also sell to other collection agencies since it contains Protected Health Information like my billing information which is protected under HIPAA. Please look into this for me. Thank you.
Consumer complaint received 2019-06-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I have attempted to resolve this issue with Experian for several months. Experian continues to violate the Fair Credit Reporting Act by reporting a bankruptcy on my credit report after they have failed to provide 100 % accurate verification. Experian has not provided who or what means of verification they received to continue to report this inaccurate information to my credit file. I spoke with the local courthouse and they informed me through letter that they did not report any information to consumer reporting agencies. This inaccurate reporting is causing a major hurdle to my current financial well being and I would like this matter resolved promptly.
Consumer complaint received 2023-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

Resurgent Capital services an account for LVNV Funding is still harassing me over an account they fail to provide ownership. I am waiting for information regarding the purchase of this account from XXXX XXXX XXXX XXXX. LVNV Funding and Resurgent Capital is asking me to provide documents showing identity theft and unauthorized charges. If they trying to collect for XXXX XXXX or have ownership of this account they should have all documents. XXXX XXXX XXXX XXXX was sent over a copy of a police report years ago and I was informed not to worry about the balance. I am not doing the leg work for LVNV Funding or Resurgent Capital. I know this much if they keep harassing me by sending notices in the mail I promise you I will be taking them to court. I am XXXX  with XXXX and this company is really irritating me. I have an appointment with the XXXX  XXXX legal team regarding the harassment I am receiving from this company. LVNV funding trying to make a living off someones else. The are trying to piggy back off someones gain. You will not get anything from me but a lawsuit. Ive asked many of times for this fraudulent debt company to stop harassing and contacting me and they are still doing it.
Consumer complaint received 2021-10-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

It seems I no longer have access to my personal account on Coinbase. 
The first time I tried to access my account and failed was on XX/XX/XXXX or very close to that date. My password does not work. I have not changed it. When attempting to change my password I have not received an email, after clicking on send email. After clicking on resend email I receive a message saying please try again later.

I have not received any response or communication from Coinbase after repeated attempts. When attempting to file a complaint on their site I am required to include a ticket number which I have been unable to obtain as Coinbase has not sent me a reply. 
I have been unable to access my funds for close to a month. Which, from my point of view is unacceptable.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (PA)

Mercedes Benz Financial Services has promised me that they would Not Report late ( or charge late fees ) to the Credit Bureau during the Covid 19 pandemic. I lost both my jobs as well as my husband did. I called all of XXXX, filled out the info on their Covid 19 page on their website. Spoke to XXXX more then once and continue to speak to her even now. I am at lease end XX/XX/2020, can not go to a dealership anywhere in the XXXX, NJ or NY area to return the car. I owe {$6100.00}, trying to make payment arrangements and am told that I have to wait for lease end statement, which I did not receive.I don't have the money to pay in one shot but am willing to make arrangements which am told by XXXX that I will be able to do this. On XX/XX/2020 MBFS reported me late for {$720.00} and then again on XX/XX/2020 for {$6100.00}, on XX/XX/2020 again for {$7100.00}. How can they charge me LATE FOR XXXX WHEN IT IS XX/XX/XXXX??? MY payment is due XX/XX/XXXX??? They are charging me late fees as well. My credit score fell by over 100 points in just 2 weeks!!! I am desperately trying to remedy the situation to no avail. I believe this is unfair credit reporting, especially when they advertising that they care are not doing this to their customers, they most definitely are, and reporting late BEFORE its actually late??? HELP PLEASE. I have read many complaints of MBFS complaints about this very thing. I just can't take it anymore. I get calls every day, 3 times a day and I answer every one, XXXX, XXXX, XXXX, borderline harassed but I speak to XXXX all the time almost every day and she know that this is true. XXXX I'm sure it is recorded.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: KEYCORP (NY)

I attempted to close all of my accounts with Key Bank after they closed their local branch. I XXXX  out my accounts. They began charging maintenance fees and then taking money off of a checking plus ( credit line ) account without contacting me. They have now done this for several months and I was n't aware of any of these charges until I received a past due notice. 

I have called, the customer service rep said they would contact the branch to have the charges reviewed and reversed. It has been 10 day. 

My complaint is that I keep getting calls from an international service center on behalf of Key Bank. They call me on a known number with my account and then start asking me for the last 4 digits of my SS #, and when I refuse my address and DOB. There are way too many scams going on in the world for a reputable bank to be calling consumers and asking for NPI via phone. I 've told them this several times and they insist it is for my safety. I asked the one of the last CSR for her social security number, children 's names, and their DOB none of which she would provide. Point proven I thought, but then I got another call. 

Consumers fall prey to phone scams because legitimate banks use XXXX service centers and XXXX procedures for identifying customers.
Consumer complaint received 2022-08-13
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. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX CT XXXX, TX XXXX XXXX CAPITAL XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (SC)

Account : XXXX XXXX XXXX  Account # : XXXX XXXX XXXXXXXX XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2020-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I changed insurance companies due to lower rate that i have done several times in the past. All information was sent over to Bank of America to send payment over, next thing i know is my policy was cancelled due to non payment. XXXX never got the payment from bank of america so i called Bank of America to see what happened and they sent the check out to wrong address and wrong payee. When i spoke to them they said a new check would be overnighted to them so this issues is resolved. It has been almost a month and issue is still not resolved. The new policy was sent over on XX/XX/18 in the amount of {$1900.00} ( check not received ), 3 times a week for the past month i have called them for status and nothing has been done, I last spoke to XXXX a manager at bank of america and he assured me it would be sent out. Still nothing has been sent out and i am without insurance on my home now.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. And, still the account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX  XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2020-12-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc. (IL)

I attempted to send a {$70.00} purchase payment to a peer via Google Pay. 

Immediately following my execution of the transaction, ( I'm the sender ), the recipient received a message from Google stating " This payment has been reversed to the sender due to your security settings '' ( message attached ), which the recipient immediately sent to me while we were transacting on the phone. 

Recipient and I ended the transaction without exchanging goods ( because Google stated my payment had been reversed ). 

It's been 3+ weeks and the payment has not been reversed. I've contacted Google Pay multiple times and they will not reverse the payment or re-credit my account ( most recent email exchange attached ). 

Google 's actions put recipient and me in a bind. 

Recipient can't safely send me back {$70.00} because for all he knows, the payment may yet reverse ( since Google definitively stated it was reversed ) and he could lose {$70.00}. 

And I'm not in a position to convince the recipient that Google sent him a false statement ( stating the payment was reversed ), and that he should instead trust me and send me {$70.00}. 

I need Google to do what it said was done and reverse the payment. 

I strongly believe Google sending a message to a party in a payment saying " this payment has been reversed to the sender '' but then failing to reverse the payment constitutes an error under the Electronic Fund Transfer Act as an " incorrect electronic fund transfer from or to the consumer 's account ''. 

Google is the trusted intermediary in a payment like this, and Google 's false/inaccurate statement materially interfered with the payment process.