davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
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. (NY)

XXXX  XXXX  Account # XXXX a/k/a XXXX XXXX Loan XXXX are now again attaching the last account established for Home Improvement. They are as follow in order of attack and incorrect reporting : Evidence was submitted in the CFPB consumer Complaint # ______________ the XXXX Account XXXX and Account XXXX accounting procedures and procedures crossed referenced and reporting payment made to account XXXX ; being recorded to XXXX  account number XXXX. instead of XXXX shown in XXXX  Client Payment History Current issue : XXXX  Account # XXXX Proclaimed to client that s/he payment had not paid XXXX payment for account XXXX and successfully reduced client credit score by XXXX XXXX a direct result of XXXX a/k/a XXXX XXXX reporting it as delinquent. 

Client add to include the amount paid for late fees {$10.00} late fee which increased the actual payment from {$320.00} to {$330.00}. ( See attachment ) XXXX  a/k/a XXXX XXXX proclaimed to not have received payment made on XX/XX/2022 in the amount of {$330.00}, but the attached XXXX XXXX XXXX account ending in XXXX, PDF report clearly shows the said amount was withdrawn by XXXX  account XXXX a/k/a XXXX XXXX Loan # XXXX was actually withdrawn from client 's account on XX/XX/2022.
Consumer complaint received 2023-03-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: World Acceptance Corporation (MO)

I did not agree to the terms they have now added I was suppose to pay {$170.00} for 15 payments and I have been paying this bill since XXXX or XXXX  it was right when COVID-19 1st hit I have asked they to STOP reporting inaccurate info on my credit report but they have not and now they are taking me to court I do not owe them anything and I want my report fixed they had a alleged documents that looks like a copy and paste of my signature. I owe them nothing and wish for the collections to cease and my credit report updated immediately.
Consumer complaint received 2024-03-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (SC)

On XX/XX/XXXX I enter a lease agreement with XXXX XXXX XXXX XXXX managed by XXXX XXXX XXXX. I paid my rent and any late fee as agreement. A new lease wasn't signed in XX/XX/XXXX because I was transitioning back to my family home. I asked and was granted permission to pay month to month. During XXXX of XXXX an inspection was performed in which I noted that the dish washer wasn't working. When I paid my rent for XXXX my payment was return to me along with a notice of eviction. Several days later a ledger from XXXXXXXX XXXX. This ledger had an incorrect monthly rent of {$1700.00}. They used this false information to generate late fees. 
The welcome letter plus copies of cashier 's check and money order receipts are evidence of rent payment.
Consumer complaint received 2024-03-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (LA)

I noticed a charge on my bank account for {$29.00} from coinbase. Upon checking my statement I noticed that they had been trying to charge my account for {$29.00} for a couple couple weeks. I opened an account with coinbase to get in touch with their customer service because that's the only way you can get in touch with them and I informed them about what was going on. I gave them my card information and they told me that they couldn't look up the charge in their system by just using the card information. Which is a bold faced lie. So they asked me for a screenshot of the charge in my bank statement which I provided. The screenshot also showed the transaction ID number. Which they also told me that they couldn't use to look up the charge in their system. Which is another bold faced lie. I went back and forth with them for two or three weeks about it and finally they sent me an email asking for all kinds of information. While I was getting all the information together I noticed in one of my email accounts that I had an email from them stating that my bank account was linked to an account with them. This email had a uid number inside of it. I turned that in with all the other information that they requested and since then I have not heard anything back from them. It's been over a week and now they're not returning any emails or anything. They're still trying to charge my bank account even though I blocked them through my bank account. Now they're using different offices in different states to get past the block placed on the original charge. This company is shady and prectickng shady business ways. They have had the information they requested from me for plenty long enough to find the charge and stop it. Refund it. And stop future charges from being made on my account. They are doing this knowing that I want it stopped. They are stealing from me and I need help getting this taken care of and hopefully y'all can bring some charges or something on them for this.
Consumer complaint received 2022-06-17
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. (LA)

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent accounts in my file that are reporting on XXXX and TransUnion Credit Bureaus. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX ; and XXXX  XXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY ()

I was divorced XX/XX/XXXX. My ex-wife lives at XXXX XXXX XXXX XXXX, XXXX XXXX, WI XXXX. I moved to XXXX XXXX  years ago and am a full-time resident here in XXXX, XXXX. I have not returned to Wisconsin since moving here even for a visit. My daughter, XXXX XXXX XXXX, is my contact person in the US for banking, investment and mail forwarding information. On XX/XX/XXXX, my ex-wife received correspondence from Wells Fargo Card Services addressed to XXXX XXXX at her address welcoming me to their credit card family. A copy of the letter is attached. Included in the envelope was a credit card stating to call to open the account for use. My ex-wife gave the material to my daughter who emailed me in XXXX asking what it was all about. I told her that I did not open any account with Wells Fargo and for her to shred the credit card which she did ( email attached ). My Social Security number was on the documentation but the name was not the name I use for ANY purposes. I use XXXX XXXX XXXX or my full name XXXX XXXX XXXX - NEVER simply XXXX XXXX. I called Wells Fargo and was directed to the XXXX XXXX to a research and remediation analyst and explained this fraudulent issue. After some weeks, Wells Fargo sent me a letter ( copy attached ) stating they found no fraud had occurred and that the credit card was activated ( which it was not - it was shredded ). Further correspondence from Wells Fargo was very confusing in that they referred to TWO different accounts - one ending in XXXX and another ending in XXXX. They have failed to explain the two different accounts. One refers to a balance of {$5000.00} ( even though I was told that the card had a {$4500.00} limit ). By the end of XXXX, XXXX, I received a resolution letter from Wells Fargo, picture attached, stating that it was authorized by me and the case is closed! An identity Theft Report was filed with the Federal Trade Commission on XX/XX/XXXX. I followed all their list of things to do including letters to parties involved, contact credit bureaus, ordered a XXXX report. On my credit report from XXXX, on the third page, I noticed someone has been paying the monthly balance. I have never sent any payment to Wells Fargo. A copy of the pages from XXXX  are attached. In addition to the fraudulent Wells Fargo credit card ( s ), my ex-wife received correspondence from XXXX XXXX XXXX XXXX which was an IRS Form 1099-INT statement in my name ( XXXX XXXX ) sent to the XXXX XXXX, WI address. I included this information in the FTC report and called XXXX XXXX. They researched this investment account and promptly closed it and froze the information included. They apologized for this and realized it was fraud - but not Wells Fargo who insists it is MY account that I took out which is physically impossible with me living in XXXX! And it is not even my full name that I always use.
Consumer complaint received 2022-06-17
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. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received this email regarding my PPP loan forgiveness " Sent : Friday, XX/XX/2021 at XXXX XXXX From : " Bank of America '' XXXX To : XXXX Subject : We are paying a portion of your first draw PPP loan Bank of America logo We are paying a portion of your first draw PPP loan We are here to support you through the Paycheck Protection Program ( PPP ) loan forgiveness process so you and your business can focus on moving forward. 

As we mentioned in a previous communication, under the Small Business Administration 's ( SBA ) program rules, a portion of your first draw PPP loan is not eligible for forgiveness from the SBA. Bank of America has decided to pay a portion of your PPP loan in the amount of {$3900.00} ( the " Bank of America payment amount '' ). This amount does not need to be repaid and is not considered part of your PPP loan. '' Bank of America is playing game and has not paid this loan per the email as of today. This PPP loan should have been forgiven per PPP guidelines, but this corrupt bank is fraudulent denying this.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

My financial institution sent me a text inquiring if i made a purchase on Saturday XX/XX/23 and I replied No. But my debit card was charged for the {$230.00} on XX/XX/23 so I called the bank and said I did not make this charge, and filed a dispute. Then when I called the merchant, they said the financial institution did a chargeback and they could no longer help me and my financial institution will not refund my money so I have not been reimbursed. I keep filing an appeal on the decision that they say that it was a legitimate charge but i did not authorize it.
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

they constanly call as soon as XXXX hit at least 4 times a day I told the representive im at work the still abuse by harrasing me I have XXXX and I can not focus at work
Consumer complaint received 2022-06-17
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. (SC)

Violation of Privacy & Consumer Rights I received a copy of my credit report with the intention of trying verifying what is all on my credit. In the process of doing so, I realized that I have not given anyone written consent to place the attached items listed to my credit report. In accordance with the Fair Credit Reporting Act ; XXXX accounts listed below has violated my rights. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 U.S. Code 1681i section 602a ; stated I have the right to privacy. Which means that if I did not give my consent to the furnishers of these accounts or to your reporting agency to place upon my government administered social security number ; my rights has been violated. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 U.S. Code 1681i section 604a ; also states that a consumer reporting agency can not furnish an account without my written instructions to do so. Which I have not written this agency to do so. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 U.S. Code 1681i section ( A ) states the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. I did not receive that notification. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Finally, 15 U.S. Code 1681i section 5 ( a ) states in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate based on the results of the investigation. Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2021-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC
Consumer complaint received 2020-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is incorrectly reporting an account where I am shown as an Authorized User on XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Consumer complaint received 2015-06-22
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (AZ)

Bought TV from Best Buy some bank had the account for awhile and them was turned over to citiXXXX. was then charged XXXX they say for interest on a XXXX TV. I send then a check and put on there paid in full they honored the check cash it and then some time later say I still own then and of course adding interest ect. I wanted to record the phone call and they would said no. it was approved at XXXX time but I can not prove it. I tell them I will only communicate on email or text so I have prove. They are now calling up to XXXX times a day like yesterday which was Sunday. I told them to send my money back if this is not paid in full I am getting constantly harassed.
Consumer complaint received 2022-06-17
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. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-17
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)

According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights. 

Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: DIGITAL FEDERAL CREDIT UNION (TN)

Hello, CFPB representatives. I have funded a new account at an online bank last week to only just tardily be told that I need a new image of my social security card to establish it. 

Mind you, I have opened five new accounts one year to date alone with my present legible card. And what is shameful about this is that along with the attempted application at XXXX online, at least four of these banks were online based. My card is simply laminated, with that, a completely legal standpoint to keep them that way. 

It was already not punctual by a response in my online portal a week after the complete app. Now, I am beset by also a claim that my credit file must be unfrozen. I knew that that was inaccurate because by law that has to be disclosed beforehand in the documents or application. I asked what bureaus they use and they said to unfreeze them all. I am starting to get the impression that I am talking to a wall on these calls. Plus, I did not receive the credit bureau claim until today after calling, days after the SS card update last week. 

My social security card is not a subject for museum portraiture. It is an identification document used to keep the economy booming with good financial habits. It is like a gigantic merry go round where it seems like they are discriminating against XXXX men.
Consumer complaint received 2021-10-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (CO)

I used Affirm for a installment loan purchase at XXXX XXXX XXXX. The card was authorized up to {$1200.00} and I used {$910.00}. Part of the order was not available and therefore I never used the full amount and the company never authorized the full amount. Currently my loan amount and interest is based off of the full amount, along with fees, and Affirm resports to credit bureaus so they are in turn reporting the wrong loan data, i.e. loan amount, fees, and even payments. I have reached out and provided documentation showing the amount used and amount processed. Affirm refuses to update.
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (MS)

The collection company Hunter Warfield, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX I saw the information when I pulled my annual credit report Failed to send a written debt validation letter with the amount of the debt, name of creditor, notice of my right to dispute the debt within XXXX days. 

Called my cell without my permission. 

Making repeated calls. 

Misrepresent and miscalculated the amount of the debt. 

I was not provided the original contract.
Consumer complaint received 2021-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CO)

on XX/XX/2021 I sent and email to Citibank informing them that I would like to be removed as an autorized user from a CC. I checked XXXX XXXX and I'm still showing this credit card with shell/citibank reflecting as an authorized user.