davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
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. (CA)

Account reported are inaccurate. Multiple disputes and furnisher will not update record. Debt cancelled effective XX/XX/19. Balance and history incorrect. CRA can not establish accuracy and integrity despite reinvestigation. Description of the procedure used to determine the accuracy and completeness of the information was not provided upon consumer request.
Consumer complaint received 2020-04-30
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. (CA)

While checking my personal credit report, which I acquired fromXXXX, Equifax. I noticed an unauthorized inquiry made by your company XXXX XXXX/XXXX XXXX on XX/XX/2018 and XX/XX/2018. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Consumer complaint received 2021-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

I have filed several complaints to the company still yet they have refused to fix my problem, a month ago i got a notification to reverify my identity on coinbase when i tried sending bitcoin out to a bitcoin address so i did and my account was verified again i got a mail that all restrictions were taken out of my account and i can now regain access to my funds but still yet the restrictions is still right there and my funds are tied down on coinbase, I have been sending mails and complaining through the contact us on the coinbase web nothing was done still yet my account is under restrictions for month all case numbers are : # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

On XX/XX/2021, I found out America First Credit Union was planning to roll out their 'Premium Checking ' feature. Their plan of execution is what I have an issue with. They are automatically enrolling every member 's account, with only an email or a mail notice that looks like junk mail. 

Their explanation of the benefits isn't clear. For example, one part states that, and I'm paraphrasing, {$1500.00} is required to remain on deposit with a couple of other stipulations, and the small fee will be waived. Shortly thereafter, it says that there is a no fee low balance checking, but clearly states that if our balance falls below {$1500.00}, we will be assessed a $ XXXX monthly fee. 

They are offering a basic checking account for free, but we have to notify them that we choose that option. Hold times for the call center is over 30 minutes. It's now been two days since I sent an email to say I want basic checking, and I haven't received confirmation they've received it. We're located in Utah, which has some of the highest rates of Covid-19 in the country, so yes. I could go to a branch, but was it wise of them to roll this out now during the pandemic? I have even taken to social media to ask the questions I have but haven't gotten a response. I'm sure their employees are overwhelmed. 

I fully recognize that a $ XXXX  monthly fee is a small amount. The main issue I have is that this is coming from a credit union, where members are supposed to be able to vote and have a say in the things that happens, but this blindsided everyone I know. Also, I hate the fact that they are enrolling every checking account and expecting people to opt out if they so choose. Rather, this should be an opt in option.
Consumer complaint received 2022-04-26
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. (VA)

There was a credit card was applied for and opened in my name from XXXX XXXX bank. This is now showing on my credit report. I called company which told me to place a fraud alert on my credit report. I have done that, and they are unwilling to investigate to have fraudulent items removed from my credit.
Consumer complaint received 2021-01-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services (UT)

My vehicle was stolen on XX/XX/XXXX and I reported the vehicle missing to police, XXXX, and Mercedes Benz Financial Services ( MBFS ) on that date. XXXX sent MBFS a check totaling {$56000.00} on XX/XX/XXXX. I have been working with MBFS since that date to close out my account since I have been without a car since XXXX. I was told by a MBFS representative that my account would be closed out by XX/XX/XXXX. I called on XX/XX/XXXX, to check the status and advised they are running behind and to allow an addition 7-10 days for them to process. I was further told the account would be closed on Monday, XX/XX/XXXX, and to follow up for a paid in full letter on Tuesday, XX/XX/XXXX. When I reached out to MBFS on Tuesday, XX/XX/XXXX, for the paid in full letter I was advised they are still experiencing delays and to allow an additional 7-10 days for processing. I requested a paid in full letter and the request was denied because the account is not closed. I requested a manager call back to request the account be expedited and to discuss issues due to the significant delays in processing times and accountability on the previous representative 's estimated account closure dates. I still have not received a phone call from a manager " because the account can not be expedited. '' Since the account has been paid by insurance for more than 30 days I am herby demanding the account be closed, a Paid in Full letter issued, and an overpayment check be issued immediately so I can purchase a new vehicle.
Consumer complaint received 2023-02-08
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. (MS)

I have checked my credit report and saw late payments appearing and I am not sure where they came from. I demanded an investigation of these late payments thru the bureaus but have not received any response. Below is the account appearing ; XXXX XXXXXXXX
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: KEYCORP (NY)

I called my KeyBank unemployment benefits bank card ( XXXX ) on XXXX at XXXX to get access to my account online because my password wasnt working and my account was locked. In addition, my PIN number was changed. The customer service representative unlocked my account and I was able to log in and view my balance/activity. I asked the representative about a suspicious charge of {$500.00} in my account and she expressed that the {$500.00} were transferred to a checking account via web on XXXX at XXXX. I never authorized this transfer and she stated that someone must have access to my personal information such as my social security number or card number. I dont know who can have personal information to access my card at this moment. I closed my card and requested a new card to be sent. I was trying to resolve this issue with the Fraud dept at XXXX, but the representative, XXXX, stated that I was in the wrong dept. XXXX stated that he didnt have access to this activity. He then advised me to call back and speak to a customer service representative. I was never dispatched, I called again and spoke to XXXX, customer service, which she then dispatched my call to the dispute dept for further information. After a 2 hours on hold, my call was ended by XXXX bank. I did not authorize {$500.00} to be transferred from my account to any checking account and I would like my money back. The representatives that were alerted did not help. Help me please!
Consumer complaint received 2020-10-23
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. (VA)

I am asking for the following account to be deleted on my Credit report ; These accounts listed below do not belong to me, I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXXXXXX US DEPT ED XXXX DEPTEDXXXX XXXX XXXX XXXX    XXXX XXXX XXXX   XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION (MI)

XX/XX/XXXX I sent XXXX a letter as a rebuttal to the inaccuracies on my credit report in reference to the Regional Acceptance Account ( # XXXX ). I sent a letter detailing the errors. I sent a marked up credit report that showed information that was wrong. XXXX told me that the account was verified and did nothing ( attachments ). 

I also sent a letter to Regional Acceptance to get a print out of my account and to request an opt-out option, so the debt would not report to my credit report. 

In return Regional Acceptance denied my request to opt out, but they did include the printout of my account. As I previously disputed with XXXX to send me the " source '' of verified information. They did nothing. 

Attached, please review my accurate account information that came directly from the lien holder. 

The discrepencies are as follows : On XX/XX/XXXX a payment of {$480.00} was made. It is not recorded on my report On XX/XX/XXXX a payment of {$460.00} was made. It is not recorded on my report. 
On XX/XX/XXXX a payment of {$460.00} was made. It is not recorded on my report. 
On XX/XX/XXXX a payment of {$460.00} was made. It is not recorded on my report. 
On XX/XX/XXXX a payment of {$460.00} was made. It is not recorded on my report. 
On XX/XX/XXXX a payment of {$500.00} was made. It was not recorded on my report. 
On XX/XX/XXXX a payment of {$500.00} was made. It was not recorded on my report. 
On XX/XX/XXXX a payment of {$320.00} was made. It was not recorded on my report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded o ofn my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 
XXXX reported on credit report in XX/XX/XXXX was recorded, but not made. 

XXXX XXXX amount is incorrect. Report shows {>= $1,000,000} This is wrong.
Consumer complaint received 2021-05-02
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-23
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. (MO)

HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE BROKE INTO MY CAR WHILE I WAS AT A CONVENTION IN TEXAS WITH A GROUP FROM XXXX, MISSOURI. I BELIEVE IT WAS SOMEONE FROM THE GROUP BRCAUSE OF THE LOCATION OF THE ACCOUNTS. THEY ACUIRED A BANKRUPTCY IN MY NAME, IT WAS DISCHARGED,  BUT IT IS STILL NOT MINE, ITS REPORTING ON MY EXPERIAN CREDIT REPORT. THEY GOT VEHICLES IN MY NAME ALONG WITH STUDENT LOANS. IT IS EVIDENT THEY HAVE BEEN DOING THIS FOR A WHILE, I DIDNT FIND OUT UNTIL A COMPANY PULLED MY CREDIT, I RARELY CHECK MY CREDIT REPORT.THE FOLLOWING COMPANIES WERE FRAUDULENTLY OPENED IN MY NAME : ALLY FINANCIAL # XXXX OPENED : XX/XX/XXXX AMT.  XXXX XXXX  XXXX  # XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX/MISSOURI STUDENT LOANS # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX/MISSOURI/ STUDENT LOANS OPENED : XX/XX/XXXX AMT. XXXX XXXX/ XXXX XXXX # XXXX OPENED : XX/XX/XXXX AMT. XXXX FXXXX XXXX XXXX XXXX   XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX   OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX AMT.  XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX AMT.  XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX   OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX CHAPTER XXXX BAMKRUPTCY REFERENBSSCE # XXXX DATE FILED : XX/XX/XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENT OPENED IN MY NAME : US SM BUS ADMIN XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (TX)

I received from my previous complaint a response from the Resolutions Specialist that my escrow account has been waived and yet today XX/XX/XXXX I received correspondence from rocket mortgage that I have a balance owing in my escrow account of {$27.00}. I handle all the taxes and insurance myself and provided full proof of that. I also received confirmation that my escrow account is waived by the rep XXXX XXXX. I have this confirmation from our conversations in my personal email. Today XX/XX/XXXX, I get an escrow analysis statement saying that there is a shortage. How can this be? I am very confused. My insurance companies XXXX was paid in full and I have a monthly installment plan set with XXXX for flood. Taxes are paid in full. I don't understand why I have an escrow account balance at this time when in the correspondence received from my previous complaint and from the representative XXXX XXXX confirming my escrow account is fully waived.
Consumer complaint received 2022-04-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (NY)

I KEEP GETTING UNWANTED CALLS FROM THIS XXXX XXXX DESPITE THE FACT I'VE SENT THEM A C AND D LETTER BUT THEY CONTINUE TO CALL ME THIS IS DISTURBING AND I WANT THE CALLS TO STOP IMMEDIATELY. I WANT NO FURTHER COMMUNICATION FROM THIS XXXX XXXX PERIOD.
Consumer complaint received 2021-01-28
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. (NJ)

All of my accounts are under litigation and is reporting incorrect information. I would like for these accounts to be remove from my credit report immediately. Hard Inquiries, and derogative negative inaccurate reports. I'm having a financial hardship and I am unable to get approved for business and personal credit due to inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX, also XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  XXXX XXXX, UT XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Also XXXX XXXX  XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, MI XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX  XXXX XXXX XXXX, TX
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (WV)

XX/XX/2022 I tried to cash a check at Truist Bank in XXXX, XXXX. It was made out to myself and my mother XXXX XXXX for services we did not use ( oil changes refund that was financed in with the car ). The lender company, XXXX issued a refund check in both our names. The bank is refusing to deposit in to my checking account.
Consumer complaint received 2022-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions (AL)

Holloway Credit Solutions LLC says that I owe {$35.00} to a XXXX XXXX but no such company exists in the state that I currently reside and no attempts from the XXXX XXXX were made to collect payment prior to sending to debt collection. 

XXXX XXXX does not EXIST. I have never been a patient/customer to any medical business named XXXX XXXX. 

Reviews for this company allege that several customers have had credit items reported for doctors visits and medical services that they never visited nor never had. I believe that this is my case, as well. 

Holloway Credit Solutions LLC have sent a bill to my house but that is the only contact Ive received about owing someone {$35.00}
Consumer complaint received 2020-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2020 I used PayPal to send {$500.00} as a deposit on a puppy I saw online for sale. Later I discovered this person was a scammer and I never received my puppy. I notified PayPal but they have refused to do anything. While the transaction was authorized, it was clearly a scam and I never received the item for which I paid money. PayPal closed the case and refuses to take any more action. I am unable to get through to anyone on the phone. The PayPal online " resolution center '' is a dead end once PayPal has closed the case. I am blocked from taking any more action, speaking to someone, or appealing the case. Now I am attempting to close the PayPal account and PayPal won't even allow me to do that. When attempting to close my account online, I get a message that there is a " problem '' with my request and they refer me to customer service where again nobody is ever available to talk to. PayPal just abruptly ends the call " we can't support your inquiry over the phone at this time. '' Attempting to resolve problems with PayPal has been a nightmare. I have never encountered such poor customer service in my life. PayPal is enabling scammers and they refuse to take action to rectify fraudulent transactions and scams. They refuse to protect consumers.
Consumer complaint received 2021-05-02
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: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I was sent to collections I contacted the company via letter to obtain proper documentation on debt owed. 
Company name is : Portfolio recovery associates LLC. 
AMOUNT : XXXX COMPANY HAS NOT PROVIDED LEGAL PROOF ABOUT OWNERSHIP OF THE DEBT NOR ANY INFO REGARDING LEGAL RIGHT TO COLLECT.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (NV)

A charge was made using our debit card for {$1000.00} to an airline. I reported this charge as fraudulent with the bank on XX/XX/year>. The bank said they would mail us a new card which we never received. Then the Bank of the West bank merged with BMO in XX/XX/year>. I called Customer Service in XXXX and I was told to wait 90 days for the merger to complete. So I then call in XXXX and I'm told BMO doesn't have any records " back that far '' and directs me to go into the branch. I go to the branch, the customer service there tries to make several phone calls and then he tells me he will have to wait for a response " from the back office '' and will email me. That was 3 weeks ago. I called the telephone customer service, again, in XXXX and they told me to go to a branch. I'm going in circles here and I'm out {$1000.00}