davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (FL)

An account was opened in my name in XXXX without my consent. The person was paying on the account. They had their email, their phone number, and their address linked to the account. I found out in XXXX and immediately brought it to the attention of law enforcement. I filled a report and pressed charges. I was advised by the officer to reach out to the creditor to see what they suggested. I have been trying to get this issue resolved since. The person was found guilty spent time in jail and has since been released. Yet, I am still trying to recover from what they did to my credit. I have disputed the account, and they apparently deemed that I am responsible for the account. However, whenever I try to call about the account to get information to help my case, they advised they can not give me any as they are not allowed to release the information. The person used all their information for the account ; they just used my SSN and name. Everything else belonged to them. I need help resolving this because it is not fair what is happening to me or what was done to me. Police report case number XXXX. The thief was ordered to take ownership of the accounts she opened, and she did so. A document was sent to her to sign and return to accept ownership of the account. I was told she would only be able to pay off the balance and not incur any other charges under my name. I even paid for the postage just to make sure it was sent. I was even provided a copy of the signed document for my records. Case number XXXX. However, each month I get hit with a negative report from them.
Consumer complaint received 2022-02-11
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

All three credit bureaus show a short credit history as a reason to report scores low. My credit history is over 20 years and not short by any means. All accounts are in good standing with no statutory late payments and no accounts past due. A 25 year credit history is not short and this is a misrepresentation of payment history and accounts on my credit. The only way I could have a longer history is to be XXXX XXXX XXXX and then have a 45 year history of credit payments.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Upgrade, Inc. (CA)

Upgrade promotes this credit card which is actually a loan, not a credit card, that you take out with them and any future transactions on the product are called draws, including the original draw made on the issued card. They claim you will earn 1.5 % in XXXX with every monthly payment made to the account. I have attached screenshots from 2 well known financial websites promoting this program with the language used to describe the offer. Consumers are led to believe that any transaction or draw on the account is earning the 1.5 % with every monthly payment. I spoke with a customer service rep on XX/XX/2022 and she began using different terminology to defend why her company is not issuing the 1.5 %. They start using the terms transactions instead of draws to describe the use of this loan product and will claim that the initial draws that they offer you are not included in the cash back program.
Consumer complaint received 2022-07-14
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: National Credit Systems,Inc. (CO)

These accounts and Inquiries on my credit report are fraud. I would like for them to be removed, because it is affecting my credit score and me and my family being able to rent and get a car. 

National Credit Systems {$3000.00} Acct # XXXX National Credit Systems {$1600.00} Acct # XXXX XXXX  XXXX XXXX XXXX {$4500.00} Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HoldCo LLC (CA)

" Bitcoin Depot '' ( BD ) has no direct relationship or affiliation with " Bitcoin '' - the decentralized virtual currency itself. " Bitcoin Depot '' ( BD ) is a third party company which has numerous ATM locations throughout the country. They simply use the name " Bitcoin '' within their own company name. 

BD pays rent to various shop owners in order to place their machines within that given facility. BT takes the customers cash and separately buys bitcoin and sells it to the customer ( highly overprice & without any disclosures ). The location of these BD ATM 's can be seen via there Bitcoin Depot App free for anyone to download. 

I recently used one of the physical ATM locations to convert cash into bitcoin. While using their machine, the machine notifies you that there is a {$3.00} flat fee ( see attached receipt # 1 ) for the use of their machines.

However, upon completion of the transaction, you realize that they took 28 % of your cash as a markup for the use of their services ( check " withdrawal '' on attached receipt # 1. This was calculated by converting XXXX XXXX to current actual XXXX market price on XX/XX/2023 XXXXXXXX XXXX = XXXX ). ( Check image # 1 for actual bitcoin market price on XX/XX/2023 XXXX AM ) Nowhere on any screen or terms of use is the " 28 % '' fee disclosed. 

In the upper right hand part of the screen, a spot price is displayed, which, at the time of purchase was significantly higher [ XXXX USD ] than what the actual market price was [ XXXX ] ( see attached image # 2 from National Market Price online ) ( see attached R

eceipt # 2 " Price '' from BD ). I called the company in regards to the transaction, and th
ey stated that while the 28 % fee is not disclosed, it is calculated in their spot price on the top right of the machine where it says " 1 XXXX XXXX USD ''. 

Again, no where is it disclosed that the market price listed on their machine is not the actual XXXX  market price.

Now that the funds have settled in my account, I am missing 28 % of my deposit funds. 

This is not an isolated incident as multiple reports of BD can be found online ( with simple google search ) defrauding hundreds of customers per day - and taking almost half of their funds without any disclosures.
Consumer complaint received 2021-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NY)

I made 5 transactions totaling {$500.00} ( {$100.00} each ) to coinbase on XXXX for crypto using XXXX i only recieved 1 out of 5. I've tried contacting coinbase with 5 different emails and no one responds to emails or answers the phone. Attached is the purchases I made using XXXX on XXXX. Also my transactions from coinbase which shows only one went through. I tried disputing the charges with XXXX and they can not help.
Consumer complaint received 2022-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (TN)

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

This account XXXX XXXX account # XXXX was re-inserted on my credit report after being removed as a fraudulent account. A fraud report was sent to you in XX/XX/2018. Because this account was removed for fraud I was told that it would be permanently blocked from being on my credit report. In the month of XX/XX/XXXXthis fraudulent account was re-inserted on my credit file in direct violation of FCRA 611 I have sent in several letters regarding this but I have not received any response. This account should have never been put back on my file as it is fraudulent and was determined fraudulent and removed for that reason. previously I just had to deal with another account that was figured out that happened like this I will resend the information from XX/XX/XXXXand you will be able to see it for yourself as well
Consumer complaint received 2022-02-11
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. (AR)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AR XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Dear Equifax , I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : Public Record from a XXXX  XXXX Bankruptcy on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (RI)

On XX/XX/2019, I received a letter in the mail from the law firm of Linebarger,  Goggan, Blair, & Sampson re : " Notice of Debt ''. The letter was dated XX/XX/2019, and written by XXXX XXXX, allegedly a partner at that firm. The notice states that the firm is a debt collector, and that I have an outstanding debt of {$51.00} for delinquent tolls and " associated fees ''. They did not threaten to file a lawsuit. The end of the letter quotes passages from the Thruway Authority regulations in order to scare the recipient of the letter into paying without further question of the validity. A website, XXXX, is given for payment. I also received a Client Code ( XXXX ), and an Online Payment Number ( XXXX ). 

This letter is a scam. I have driven in New York a few times, and always paid my tolls immediately through the valid site, which is NOT XXXX, but XXXX. I have not driven in the state for over a year. 

The website the letter sends the recipient to is simply the website of the law firm, NOT the New York Thruway system. The letter scams recipients into believing that they are delinquent on a toll. In each legitimate toll bill I have received before, the date, time, and often a picture of the car are included in the message. None of these is included here.
Consumer complaint received 2020-11-28
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: Experian Information Solutions Inc. (PA)

on XX/XX/2020 i sent letters to the credit bureaus XXXX, Experian, and XXXX. I waited 45 days and still no response from either bureau. on XX/XX/2020 i sent another letter for the credit bureaus to comply and answer my request and still i haven't received an answer. it is now XX/XX/2020 and i still haven't received a response from the credit bureaus. This is clearly a violation of my rights According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (IL)

I am a consumer and I feel that my federal consumer rights have been violated. I heard that they ( Discover ) don't follow the CFR from what I see. On XX/XX/XXXX I mailed my payment out certified with a due date of XX/XX/2021. I thought that was plenty of time to credit my account. Unfortunately, I was shocked when I received the bill that was due the following month. So I called after I received the bill to make sure the payment was received via certified mail ( see attached ). The representative said they didn't receive any payments yet. So, I mailed a billing error notice statement on XX/XX/2021, to find out why my account was not credited via the payment that was send almost a month before. I have attached a copy of all that was sent in XXXX, please review.
Consumer complaint received 2019-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (AZ)

Kimball , Tirey & St. John LLP Is attempting to collect a debt that was already settled with the apartment complex I lived at in XX/XX/2017, XXXX XXXX. XXXX XXXX, apartments agreed to keep my security deposit in lure of the debt owed to them. There is no debt owed to either company. This information incomplete, inaccurate, and erroneous.
Consumer complaint received 2021-03-25
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. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-02-05
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. (SC)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2019, it has now been years since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (FL)

I opened a new savings account on XX/XX/2022 and deposited {$24000.00}. I made another deposit of {$1000.00} on XX/XX/2022. The funds were removed IMMEDIATELY from the account of my transferring bank. 

However, nearly two weeks later I still have no access to my money because Discover claims they have to " verify '' the funds. Both withdrawals have already posted to my account and Discover refuses to release my funds or close the account and give me back my money. XXXX has already removed the money from my account and yet XXXX Discover claims it still needs to be verified. 

I have also incurred several late charges because I made payments to my credit card using this new account and the payments were returned. This has caused irreparable damage to my relationships with my other banks.
Consumer complaint received 2019-04-30
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft and identity fraud. After viewing my credit report, I noticed accounts and credit inquiries that I did not apply for or authorize. I immediately contacted the companies in question and notified them of the incorrect reporting and advised them that it is obvious that I have been victimized and that someone has used my personal information to fraudulently open several accounts. Currently those accounts are a XXXX credit card opened XX/XX/XXXX and a XXXX XXXX  credit card opened XX/XX/XXXX. There are also several inquiries on my credit report that I did not authorize. In addition to the ones for the XXXX and XXXX credit cards, there are the following : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-04-30
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: HSBC NORTH AMERICA HOLDINGS INC. (NV)

After being in XXXX for a whole year I came back to discover that some credit cards had been open in my name without my consent or knowledge. I sent paperwork to each credit company and each one has been very good except for XXXX. They still have one fraud account left which is hurting me very much. My bank ( XXXX XXXX ) has recently closed a line of credit worth {$25000.00} and I am sure this one bad account has something to do with it, so I really need XXXX to clear this last fraud item from my report please!
Consumer complaint received 2022-01-06
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. (SC)

I sent several disputes letters to XXXX and Equifax informing them of the fraudulent and unauthorized inquries on my credit report asking them to remove them. These are the list of inquries that needs to be removed from my XXXX and Equfax report immediately : EQUIFAX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX EQUIFAX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX EQUIFAX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX 's nor Equifax 's Customer service nor the fraud department would help to remove these inquries from my credit report even after I submitted the information to them for these items to be removed.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

I purchased a used vehicle in the state of NJ in XXXX, unfortunately, my loan was approved through XXXX XXXX XXXX. During the lawsuit between the CFPB and XXXX my account was removed from all 3 credit bureaus but after the lawsuit was over my XXXX account reappeared with all the bureaus. My payment history from XXXX until the end of XXXX was wiped away -no history is being reflected. I have tried to reach out the them and to the credit bureaus stating that not only was my account readded but isn't reflecting accurate history. The majority of the information currently reflected is negative history all of my positive history is missing. Isn't it illegal to readd an account that was removed due to the violation of FCRA. My balances are never correct or up to date as well. My account number is wrong as well.
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am simply trying to change the statement due date on my XXXX XXXX Bank of America credit card. There is NO WAY TO CONTACT CUSTOMER SERVICE!! 
The messaging system when I sign in online has no way to create an outgoing message for help. When you call the number on the back of the card, they have you wait for an hour and then transfer you to someone who can complete this VERY SIMPLE TASK! When they transfer you, they just kick you back into the original system and you have to do the whole thing over again. 

PROVIDE A WAY TO MESSAGE CUSTOMER SERVICE WHEN YOU LOG IN TO YOUR ACCOUNT. 

Provide a way to change your statement date ONLINE.