davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (FL)

My credit cards and phone were stolen in XXXX of 2023 and several unauthorized purchases were made. I reported everything but I am now just seeing that there is a collection for an XXXX debt that hasn't been cleared... This isn't mine and I want it removed from my credit report.
Consumer complaint received 2021-04-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

on XX/XX/XXXX I applied online for a checking account with Bank of America ( BoA ). On XX/XX/XXXX I received an approval for a checking account and a savings account. About 3 hours after the accounts were opened I linked my XXXX account and transferred {$500.00} and sometime later switched my direct deposit with my employer to BoA, both were successful. 

On XX/XX/XXXX I received a status update that BoA was unable to transfer the funds, but being unfamilar with the language of the email. I still believed my account was opened. However, when I tried to login there was no such account. 

Since I am XXXX XXXX and did not have access to a TTY line I asked my mother to assist me by calling BoA and merging the calls. We contacted BoA on XX/XX/XXXX and were told that the accounts were in the process of being closed and a cashiers check for {$500.00} was mailed on XX/XX/XXXX to the address on record. The BoA rep. said to contact the Fraud center on Monday -Friday to get additional details. On XXXX XX/XX/XXXX we contacted BoA and told that the account was closed and that I had the option of going to a local branch and presenting two forms of ID and an account might be open. 

When I contacted my employer they said it could take up to two check cycles to switch the my direct deposit back to XXXX. So currently I am out {$500.00} and potentially two pay checks. Luckily my parents are fronting my money and have already paid my rent. 

However, there is a big flaw in BoA 's system, first of all I did not receive a conditional approval, and the time stamps on the emails from BoA are not accurate as the funds transfer did take place 3 hours after the email.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (GA)

I purchased a car that was illegal to sell by the dealership because it was a stop sell. They took XXXX months to tell me the contract didnt go through and that I need to get resigned but I need a co-signer now. They had been running inquiries for XXXX months behind my back trying to find a way to cover up the contract that was done. I have no way to get a car if my credit has been so impacted. 
I also have some other items that can be removed and should have been legally after dispute and they were supposed to delete. Now I keep getting the same collection companies with new owners which isnt fair for a medical payment insurance already paid. 
I want to have the inquirys removed, American Express legally shouldnt have anything on my credit report it was a court case ordered and dismissed by the judge and American Express but they keep placing it there making my credit report show so much more usage thats not true and penaltiZies me. I am on XXXX XXXXXXXX and have a son thats now an adult with XXXX XXXX needs so my credit is all I have on a limited income and no work XXXX just XXXX and bank statements. If I could get help cleaning that off because its obvious that over XXXX inquiries for auto are on there. As you see on my credit my last car loan was paid in full but its not helping me when its dragged down by other things not related to my payment history or how credit worthy I am the score just takes a hit because my situation economic and financial proof without a work history or XXXX. Its not fair my bank statements for months have to be shown just to prove I am not a risk because of my score being damaged by these things. I have a XXXX lenders it seems my application gets sent to and continue to rerun. I have case and court papers to prove that whats on my credit report should be taken off. I have disputes that were won and deleted then put back on. Its just not right to have so much inaccurate information that really prevents me from living and providing for my family. I should not have to pay to have these reports fixed weekly or every other time someone illegally buys debt as a trade without documentation of it being accurate. They have the means to damage a social security number which is so fraudulent. Please help and protect the rights I have to protect myself
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I was disputing inaccurate items that was placed on my credit file. I have reached out to the credit bureaus numerous of times to have the items removed or corrected. I also had reached out to the creditors to have that account removed. I was told over the phone to reach out to the credit bureaus and ask them to remove the items. The credit bureaus violated my rights because they failed to respond to my disputes. I have sent dozens of letters and I haven't received anything in the mail from the credit bureaus showing that they even open up an investigation. I have checked my credit with different credit monitoring to see if they have started but there wasn't any comments showing that the items was in disputes. I had mailed letters off certified and the tracking shows that they have received the mail. My credit score is continuing to go down because the credit bureaus refuse to maintain the laws of the fair credit reporting act and remove those items off my credit file. This is causing much hardship and pain and suffering. I have had multiple XXXX XXXX  because I can not get a car nor a good job to support my family because of the multiple inaccurate items that's on my credit file.
Consumer complaint received 2020-05-25
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: Comerica (IA)

I am reporting a fraud on my government Credit Card. I had my account hacked into on XX/XX/20 for 6 different cash withdrawals totaling {$530.00}. I made a dispute to Direct Express company regarding my fraud on my card. They took the information from me and said they will do a investigation now it's almost a month since this has happened and they act like they don't care and it's very hard to reach customer service took me to XXXX I also made a Police Report and told me it was fraud and told me contact DE again I did and they are dragging their feet and don't care, Please help me get my money back. Thank You so much.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one closed my checking account with no warning and no reasons as to why. They are keeping my {$150.00} that is in there right now that i need for bills and i called today XX/XX/13 and they were not able to give me details for the account closure or release the funds.
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Experian have reported a 30-day late payment indicator on my credit report with the creditor ( XXXX XXXX XXXX XXXXlso known as XXXX XXXX XXXX XXXX XXXX which is incorrect and is currently showing on my credit report. The account that I am referring to is the account balance of : {$38000.00}, which the account was opened XX/XX/2019. I have never paid 30-days late and when I contacted XXXX XXXX XXXX they said that their system is not showing it and that they did not report that 30-day indicator on the account. This is the 3rd time that this done happened to me where XXXX XXXX XXXX have reported that incorrect information of having reported a 30-day late indicator, which I had to dispute this issue before. I want this issue corrected immediately because this is negatively affecting my credit rating with Experian and if this happens again, I am filing a lawsuit for violating the fair credit reporting act. I want this updated immediately!
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2023 I purchased a dog age test for {$150.00} through XXXX and used my Chase bank account card. XXXX claimed to reveal your dog 's birthday and age. I received the test, did exactly as it stated and returned it via mail. XXXX sent an email stating they received my test and would have the results in several weeks. The next day, I received an email stating my results were in and my dog was XXXX, almost XXXX XXXX XXXX which was not accurate at all. The only way to contact XXXX was through their website which was a form you had to fill out. The website listed NO telephone number, email address, or address. I contacted them through their site and stated I believed they mixed up my dog 's results with another dog but their response was a computer generated email stating how you can feel when your dog 's age isn't what you expected. I never was able to speak with anyone over the phone or via email and the problem had not been resolved. I contacted Chase bank and disputed the charge. Chase put the funds back in my account but most recently sent me a letter stating that they would be reversing the charge and taking the money back out of my account within the next week.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

Equifax commercial Information Solution has incorrect information for my company ( XXXX. ). I spoke and informed a representative from Equifax on XXXX XXXX and told him of the errors on my business report and he asked me to submit a dispute. 
I submitted the disputes ( 4 ) on XXXX XXXX, however, I have not heard anything back from Equifax. I called and email them several times with no response. This erroneous information has caused me to lose a loan that I was approved for. Please assist me with this matter.
Consumer complaint received 2019-02-19
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. (MI)

In XX/XX/XXXX, I took a loan from XXXX XXXX , XXXX . Sadly, I was not able to keep up with payments on that loan. I was current on the loan for XXXX - XX/XX/XXXX. I never made a payment again. I never communicated with the company or made any alternate payment arrangements. 

In XXXX - XX/XX/XXXX, XXXX reported my account as current. I believe XXXX did this to extend the time period in which the account will appear on my credit report. Now, the account will continue on my record until XX/XX/XXXX. Also, I believe they incorrectly reported this to extend the statute of limitations on the collection of this debt. 

I disputed this information with them and with experian and XXXX. XXXX confirmed their information to the bureaus. My credit reports have not been updated.
Consumer complaint received 2022-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Tried disputing with credit bureaus and contacting the companies for more information into the inquiries. Here were unauthorized inquiries on the following dates XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-13
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NY)

XX/XX/year> {$490.00} i attempted to make a payment on my car loan account However, due to error the payment was not successful. 

Despite my efforts to rectify the situation and ensure timely payment, my credit report now shows the account as delinquent, which has negatively impacted my credit score. 

I have communicated with Honda regarding the unsuccessful payment and have made alternative arrangements to ensure timely payment moving forward. However, the issue with the reporting persists, and I have not received satisfactory resolution. 

I request that the CFPB investigate this matter and work with Honda to correct the inaccurate reporting on my credit report. I also request that any negative impact on my credit score be rectified. 

Thank you for your attention to this matter.
Consumer complaint received 2021-04-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (MD)

Last year, I received a mailer from TD Bank that offered me a {$300.00} bonus if I opened a checking account and have {$2500.00} in direct deposits within 60 days. 

I read through all of the fine print. It starts by saying the offer " is available only to the person addressed in this mailer, '' and " Checking offer is not available to existing TD Bank checking Customers or prior Customers who have had a TD Bank personal checking relationship within the preceding 12 months. '' The mailer was sent in my name, and the last TD Bank checking account I had was closed in XX/XX/XXXX. I opened the new account on XX/XX/XXXX, so it was more than 12 months. Everything seemed like I was eligible for the offer. 

I completed the total of the {$2500.00} in direct deposits on XX/XX/XXXX, and waited the 140 days since account opening for the bonus to post like the mailer said, but nothing came. I reached out to TD Bank a few times and was advised, " Upon review, we found that you had previous checking account ending in XXXX which received a {$300.00} promotional bonus on XX/XX/XXXX. Please note, only one promotional bonus per customer can be applied. Promotional offers can not be combined with any other offer. '' TD Bank knew it had already paid me a bonus in the past when it made me the new offer. I find it very misleading that TD Bank would now say that I am not eligible for an offer it specifically made to me, especially after I went through meeting all of the requirements before being informed of my ineligibility.
Consumer complaint received 2022-01-16
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: HCFS Healthcare Financial Services of TeamHealth (OH)

On XX/XX/2020, ACCOUNT RESOLUTION XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, ACCOUNT RESOLUTION XXXXI has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!
Consumer complaint received 2022-01-16
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. (IL)

transunion just sent me thing that says XXXX XXXX is all good now but doesnt reflect on my credit reports that way
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Credit Corporation (TX)

I have been making on-time payments to Avant since XX/XX/XXXX through auto pay from checking account. 
When COVID-19 affected me in XX/XX/XXXX, I requested Avant to stop auto-pay since I was severely affected but Avant still tried to process and take money form my bank account which did not have any money in it. I again contacted Avant and requested for a relief that was granted but Avant still reported late payment to credit reporting agencies. I contacted Avant and asked why they reported late payment to agencies, the rep said it was not reported late which was a lie. My credit score dropped by 72 points and my Department of Educations ' Parent Plus Loan was denied.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (AZ)

Credit Collection Services ( CCS ) is still reporting a collection owed on my credit reports even though they agreed to delete the account fully in return for a 50 % settlement. On XX/XX/2020 CCS received a certified letter including a settlement letter and check. The letter stated that in return for a settlement, CCS will delete the account fully from my credit reports. A few days later the check was cashed. They have since reported the account as paid in full, but failed to comply with the settlement agreement as stated. The account is still appearing on my credit reports where it should have been removed fully as per the agreement. I've contacted CCS about this and they have told me the account is closed and they do not do deletions. they are dishonoring their agreement. I have reviewed my credit reports today XX/XX/2020 and the account is still appearing on my credit reports.
Consumer complaint received 2022-08-07
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: CREDIT ACCEPTANCE CORPORATION (MI)

In accordance with the Fair Credit act credit acceptance account number XXXX has violated my rights. 15 U.S.C 1681 section 602A. i have rights to privacy. 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-04-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: GOLDMAN SACHS BANK USA (WA)

XXXX by Goldman Sach auto renewed my Certificate of Deposit ( CD ) with NO NOTIFICATION received to wan me. 

I finally received a letter on XX/XX/2021, at XXXX by US Postal Service from XXXX by Goldman and opened it dated XX/XX/2021, 11 days late that my CD has been auto renewed. 

I never received any letter of notification of the CD expiring and finally got an auto renewal 11 days AFTER dated letter. SOmething is FISHY!!!! 

Contacted XXXX and 2 supervisors REFUSED to allow a cancelation waiving the penalty which XXXX claimed was over {$1100.00}. I protested saying the CD should never have been renewed if I have gotten notification and the confirmation was 11 days after this gimmick. 

XXXX is a company who does NOT care about long term customers. 

My request to be transferred to XXXX executive office was DENIED even when I advsied I was fkig a US Government complaint which XXXX Executive office would have to respond. SO the two supervisors are just the lower end bullies no allowing cooperation above their level.

SO the refusal of two supervisors to allow contact with XXXX XXXX XXXX creates MY LABOR work and a formal letter to resolve when the two uncooperative supervisors could have solved the issue and transferred the cal. XXXX si not a customer friendly internet bank especially for JUMBO accounts and long term relationship.
Consumer complaint received 2022-01-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NJ)

Coinbase Case # XXXX On XX/XX/XXXX at XXXX I received a " Notice of account closure '' through email at my address XXXX. 

I was manually logged out of my Coinbase Pro account where my funds were being held. I was no longer able to log in and access my funds. 

I called CB customer service and opened a case. I received a follow up email stating that I could no longer buy, sell or withdrawal to my bank account. But I could move my currencies off the exchange to a external wallet. 

Although I was no longer able to log into the apps. I was able to log into the Coinbase web page where my bitcoin and ethereum coins were showing. But my GALA  tokens were not showing. 

They moved my Bitcoin and Ethereum off my pro wallet back to standard Coinbase but did not move my GALA  tokens worth $ XXXX. 

I replied to the email starting the above situation and was responded with generic computer message stating I was able to move my funds off Coinbase but they didn't respond to the fact I told them they didn't move the GALA  tokens. 

I called again and spoke to a customer service representative and expressed this situation again and told them they need to move the GALA  tokens to the Coinbase webpage so I could move them off the exchange and close the account. 

After multiple waits I was told they were not able to move my GALA. They escalated it to email where I'm sure to have the same run around as I've had the last 5 days.
Consumer complaint received 2021-10-30
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. (UT)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraud, i disputed them many times- XXXX