davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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 2021-01-19
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)

Fraudulent inquiries i never did inquiries with these companies XXXX XXXX  inquiry date XX/XX/2020, and XX/XX/2020 XXXX XXXX  inquiry date XX/XX/2020 These inquiries are fraudulent I sent XXXX  proof of police report that I'm a victim of identity theft these inquiries are not mine
Consumer complaint received 2021-01-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tulsa Adjustment Bureau (OK)

On XX/XX/XXXX I contacted a debt collection agency ( tulsa adjustment bureau ) regarding a written collection I received from them after having never gotten a first bill from the original medical lab ( XXXX XXXX XXXX  ). When I asked for the labs contact information on the phone, the collection agency employee refused to give it to me. I then had to call my doctor and get the phone number for the lab from them, and was told by them that tulsa adjustment bureau should have given me that information themselves. I have since tried yesterday and today to reach the medical lab over the phone with no success, despite leaving voicemails and calling repeatedly and waiting on hold repeatedly. This is the second time this lab has sent me directly to collections without first sending me notice of a bill so I can pay and keep it out of collections, and they are affecting my credit score unnecessarily and wantonly.
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$580.00}
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The account listed below was opened fraudulently without my consent and it is against consumer law to report fraudulent accounts. 


TransUnion Fraudulent Account XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (KS)

My husband and I have had a Wells Fargo Home Improvement card since 2016 with perfect payment history. His credit score is prime and mine is mid-range. We used the card once and immediately paid the balance within the promotional period. 

Since paying the card and even obtaining the card, nothing has significantly change with either of our credit or income levels which would cause us to not be qualified to keep the line of credit. 

Recently, I received notification from the credit bureaus that a card was closed and caused my score to plummet by 17 and 21 points, respectively, across the 3 bureaus. 

We did not receive ANY notification or communication from Wells Fargo our account would be closed. As a matter of fact, I attempted to contact Wells at the number they are reporting on my credit report and this number is DISCONNECTED. They are reporting on the bureau comments " Account closed at the request of the consumer '' which is a fraudulent claim -- neither my husband or I have requested to close this account. 

WELLS FARGO BANK NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX It is unacceptable for Wells Fargo to not send us notification letting us know why our account is being closed and causing harm to us as consumers by closing. We are in the middle of purchasing a home and this is causing significant damage to us as a result. 

Furthermore, I attempted to log in to the Wells Fargo online portal and the entire account history is gone! No account number, no payment history. Literally disappeared into thin air like it never happened ... 

If you attempt to download account activity there is an error that says " The system is temporarily unavailable. Please try again later. '' I don't even have an account number to attach to this complaint due to their failing system and errors.
Consumer complaint received 2021-01-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

On the XXXX of XXXX 2020, I withdrew XXXX ETH  from Binance to Coinbase. I double checked the target address, and the tokens were received by coinbase but did not appear in my account due to BEP-2 network being selected. At the date of transaction, the ETH were equivalent to {$2900.00} USD. I have been a long time member with coinbase for 3+ years. All my personal information is verified with them. I contacted the support team on several occasions only to be met 15+ days later with an inadequate, automated response. Coinbase has the ability to credit my account with my funds, or at the very least send the tokens back to Binance, but they refuse to help and acknowledge my issue. Lastly, I want to mention that there exists a GROWING group of 80+ members, all whom share the same issue and have collectively lost over {$70000.00} USD, and are pressing to have this resolved. The attached document expresses the grandeur of this issue for itself.
Consumer complaint received 2021-01-20
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: CL Holdings LLC (MA)

****SEE ATTACHMENTS THAT SHOWS THAT IT WAS GOING TO BE DELETED REMOVED FROM MY CREDIT REPORT**** Dear XXXX / Executive Office ; I was really shocked last week when I refreshed my credit report and noticed that the collection account from XXXX XXXX is still on my Credit Report which is hindering my score so much and stopping me to achieve my financial goals You are the ONLY one thats reporting this negative account on my credit, despite the fact that the results of investigation through Cfpb stated that they will cease and remove this account. Well, the other credit reporting agency complied and deleted from my credit immediately, however you havent removed it. I talked to a representative at your office last week, and they mentioned that I can FAX over the letter and results from Cfpb and they will remove it. 

Plus, how can you report incomplete, misleading information on my credit report. Its impossible that a collection account can be late and past due. Look at the picture below late 120 days, past due for {$800.00}, etc. This is a violation of my consumer rights under the provisions of FCRA, and Im demanding an immediate deletion from my credit report. DELETE!
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I have had a paid monthly monitoring subscription with Equifax for about 4 years or more years ( which I cancelled on XX/XX/XXXX ) and have always been able to view and print a report and score from them. I call twice and ask what was the problem and was told that they would " Try '' to find out and get back to me via email. 

It is now XX/XX/XXXX and I tried to get a report and score " Again " Nothing, Blank account under my name just my personal information. ". One page said " Online Delivery Unavailable, We are not able to deliver your free Equifax Annual Credit Report online. Another page said Sorry, the page you were looking for dose not exist ( 404 ). 
. 
I was able to get reports from XX/XX/XXXX and XX/XX/XXXX on XX/XX/XXXX. I have had a credit history since I was about 20 years old and due have reports and scores from Equifax XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX. I don't think that I am the only one going through this with them because they also said something about changing their format forcing us to use XXXX only to get to them. " The 3 people who I talked to Did Not Seam To Know What They Were Doing Either ''.
Consumer complaint received 2021-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: DISCOVER BANK (MI)

On Wednesday XX/XX/XXXX, at XXXX, a request for Mortgage Payoff was submitted to Discover Home Loans on my behalf. On Tuesday, XX/XX/XXXX I called Discover Home loans due to still not having a payoff for my mortgage. When speaking to the initial representative, I was told that " it takes 5 days and there is nothing we can do ''. When I asked to speak to a supervisor over this, I was transferred and placed on hold for 22 minutes. The next individual informed me that they " did not have a complaint department for HMDA or Fair Lending, and that she was not a supervisor '' I was then placed on hold again. 

The reason for the delay in payoff was because the loan has a pre-payment penalty. The pre-payment penalty is XXXX dollars, so simple math would be that you take XXXX, add the per diem interest, and the principal balance to get the payoff amount. 

I was told that this is the process, and there is no way around it, and there is no way to have the payoff done quicker. This delay is costing me additional money in per diem interest, at a substantially higher interest rate ( current rate is 4.99, new rate is 2.875 ).

I have still yet to receive the payoff, as they placed me on hold again, and then the call was dropped by Discover.
Consumer complaint received 2022-10-03
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: Professional Finance Company, Inc. (CO)

PROFESSIONAL FINANCE is reporting an account on my credit so I sent them a validation request in XXXX XXXX they responded in XXXX with a simple statement and a refusal to verify any other request items. They did not send an original invoice, they did not send me a medical release waiver form signed by me, the amounts are different from what the statement reflects without sending me an authorization to collect any added interest or fees. 
I then send them a follow-up stating they failed to validate and to remove this ad they still have not removed it. 

Ive included all correspondence as well as copy of credit report.
Consumer complaint received 2021-01-19
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. (CA)

XXXX XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX  XXXX XXXX Balance : {$500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX Balance : {$790.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX Balance : {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance : {$2300.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance : {$0.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX Balance : {$0.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather deletes this erroneous account. 

XXXX XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting incorrect Balance, incorrect past due amount, as well as the wrong Date of last activity. These are all violation please delete account. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance : {$0.00} - This account is reporting twice and the original creditor has not reported it as transferred or sold. Please remove. 

Chapter XXXX Bankruptcy XXXX - This was filed in my name by someone else and was fraud please remove immediately.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I checked my credit score which went down around XXXX points and I wanted to see why. It says I opened an account with capital one bank and spent {$760.00} but I only bank with XXXX. I wanted to file an identity theft report, get it disputed and see if the my credit could be repaired.
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (WA)

Lately I 've been cleaning house of the unnecessary and decided it was time to just close my credit card accounts to avoid the balances continuing to rise although I knew I would never use them again. 
I knew it would take a long time but much less time than if I continue to watch them grow balances with the interest charged. 
Over just the last 6 months the balances rose by over {$1000.00} without using any of them. I would have closed them all out 6 months ago. 
I cancelled XXXX cards and I asked each and every XXXX of them if I can make my payment on line or by phone. Also will my payment go up or with this freeze the interest so I really work toward paying them down? These XXXX I would give acknowledgement to are XXXX, XXXX, XXXX. 
All XXXX said yes, it would freeze it and I could continue to make my minimum monthly payments if I chose to and I would see the balances decrease. 
Discover card has a different story. XXXX tells me that regardless if the card is open or closed, interest will still accrue at the same rate. 
How can this be true? I 'm am forever in debt to Discover card unless I get a big chunk of money to throw their way? 
Stealing, thievery, trickery, wrong and I 'd like someone to stop it please!
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FISERV INC. (WA)

In spite of receiving my first stimulus check from the IRS via Direct Deposit, my second relief fund arrived via a pre-paid " Economic Impact Card '' provided by Money Network and XXXX overseen by Money Network Financial , LLC, XXXX XXXX XXXX, XXXX, GA, XXXX. Their customer agreement is available here : XXXX XXXX XXXXXXXX where it says " You may close your Card account at any time by contacting Customer Service . '' This is a lie. 

The provided customer service number, XXXX, has no option available for closing accounts, nor is there an option to speak to a human. I called on Tuesday, XX/XX/2021 several times. 

I believe this is a violation of federal law. 

I wish that I could close the account, and have their records erase my personal information, which is my right by law. 

I recommend that they be fined, and be barred from contracting with the US or local governments forever. 

Please prove that you are really for the consumer and not the big bank ( as it seems Congress is, by using this company in the first place instead of just using direct deposit ).
Consumer complaint received 2021-01-20
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: U.S. BANCORP (PA)

Call to XXXX XX/XX/2020 XXXX est XXXX , Supervisor advised I need to call DNB and ask why theyre not reporting my account. She then advised me to write via snail mail to your internal Credit Bureau Disputes department and dispute why my account isnt being reported. 

XXXX, Call Center Manager, then advised much of the same. She went on further to state its my prerogative whether to take her advice or not. She spoke in a very condescending and matter of fact tone. She told me who her superior was ( XXXX, Team Manager ) explained and reaches him via text and email but would NOT be contacting him for my issue, and stated under no circumstances would he oblige a return call request from me. She stated she is the highest level of management that would help me and if I didnt like it I needed to write a snail mail letter. 

I reminded XXXX the majority of the world is working remotely like she is due to the catastrophic Covid pandemic and instructing me to mail a letter when she could simply contact her superior for additional information would further exacerbate my issue. 
To this, she replied snakily, OK I grew more frustrated and asked my account to be fully detailed about this interaction ( she said nothing ) Exhausted and feeling hopeless, I asserted I would contact the XXXX XXXX XXXX, the attorney general 's office, and the consumer protection bureau. XXXX wasnt phased she simply said OK. 
I then terminated the call. 

Emailed the following via XXXX and got no response. 

- XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX VP - XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX, Director of Strategic Partnerships - XX/XX/2020 at XXXX XXXX XXXX XXXX VP Relationship Management
Consumer complaint received 2016-06-07
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Nelson and Kennard (CA)

Thanks, On Friday XXXX/XXXX/2016, I left my job and went to my bank XXXX XXXX XXXX XXXX XXXX and attempted to get {$20.00} for gas. I noticed that it said XXXX dollars, so I went in and talked with a teller. They could not tell me what was wrong as they reported my account was zero. They provide a number for me to call XXXX. As I contacted this number it was outside of the business hours so then I was advised by XXXX XXXX XXXX to forward this issue to the following Monday. I called on Monday with the reference code number XXXX and was informed to then call XXXX which is a company debt collection for XXXX and XXXX attorneys who claimed that they did not receive my financial report last year which is about six months ago detailing my financial output so they could put me on payment plans. They also provided their fax number XXXX by which I kid facts them another financial report as I receive their template in the mail which is approximately XXXX hours from now. I spoke with XXXX XXXX extension XXXX at XXXX. She is now handling this case and said that there will be a possible review to refund the money that they seized, but no guarantee. This has come at a loss to myself and my son as well as I feel that I was misused because I followed all of their rules to comply with signing my financial plan and mailing it to them about six months ago. It is against the law to take all funds away from the consumer so I would love your support on this matter I could be reached at XXXX sincerely XXXX XXXX.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (NY)

Ford is reporting me late erroneously. I was never late with Ford Motor Credit. The lease began on XX/XX/2016, and I was marked late on XX/XX/2016 which was the first month that was due after the payment that was provided at the dealership Ford failed to send me the initial billing statement despite multiple phone calls to Ford to inform them that I have not received the bill. They informed me that the car is not yet visible in their system and assured me that the bill will be issued shortly. However, the initial bill was NOT issued, nor received, but yet I was marked late. Upon reaching out to Ford they informed me that the error will be corrected. It has been several years and the error is yet to be corrected. Please REMOVE THE XXXX day late on XX/XX/2016 As I was never late.
Consumer complaint received 2021-08-04
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

All of the following accounts are fraud. I did not open these accounts nor authorize anyone to open these accounts in my name. I have a suspicion that my ex-husband and his acquaintances are the ones who fraudulently opened these accounts : - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX - Capital One I have attached an ID Theft affidavit packet and police report.
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (NV)

The issue was false advertising and " switch and bait '' practice. The company did n't address this issue in either of their responses. According to Press Release, there was no restriction to XXXX cashback earnings. A few weeks later, the terms and conditions added more restrictions and put the burden on consumers to provide receipts. This is not acceptable. I personally incurred financial losses for buying an XXXX and applying for a new Discover card. I needed the cashback promised to be added to my account.