davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
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: Credence Resource Management, LLC (SC)

ON XX/XX/22 for the amount of {$380.00} CREDENCE RESOURCE MANAGEMENT has unlawfully purchased a debt from XXXX XXXX XXXX XXXX, and they have reported this to XXXX without my consent. Violating 15 USC 1681 ( a ) ( 2 ) ( 4 ). ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have never been contacted by CREDENCE RESOURCE MANAGEMENT nor have I ever had a contract with them. My personal information has been shared among these companies without my consent.15 USC 1681a ( 2 ) ( i ) ( ii ) ( iii ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information not be communicated among such persons. there has been time i have signed any paperwork with such company. 15 USC 1681e ( b ) ( d ) ( 1 ) ( A ) ( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer. Per 15 USC 6802-6805 I the consumer have the right to Opt out of any and all reporting of my information.
Consumer complaint received 2022-05-23
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. (KY)

Since viewing my credit report on XX/XX/22, I have noticed that the following credit reporting agencies have information listed on my consumer report not in accordance with the law : Experian. 

Experian has allowed multiple companies such as : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to all furnish late payments to my consumer report knowing it is a violation of federal law pursuant to 15 USC 1666b ( a ) and 15 USC 6821 ( a ) ( 2 ).
Consumer complaint received 2021-05-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OR)

I created a coinbase account on XX/XX/XXXX and submitted my personal information to get verified on the platform. I then submitted an ACH transfer of {$1000.00} from my checking account XX/XX/XXXX, which was successful and cleared. A few days later when I'm trying to use the coinbase platform, I realized that I could was not able to access my funds, and that my ability to buy, transfer, or withdraw funds have been disabled. 

I submitted a support Case # XXXX on XX/XX/XXXX and was ignored. I then created Case # XXXX on XX/XX/XXXX and was told that I am no longer eligible to be on their platform without giving me a reason ( " We're not able to provide you with any additional information at this time. " ). I was told to withdraw my funds, but they have disabled my ability to withdraw funds since all my payment methods were forcibly removed. They promised to escalate my case on XXXX for an account review and said it would take up to 14 days. I followed up numerous times and it's been 20 days since then and I still have not received a response from them. 

Coinbase took my {$1000.00} deposit, and have simply held it without reason, and is refusing to let me withdraw the funds to my verified bank account. They are essentially holding my money hostage and not responding to any inquiries. This is fraud and the company is taking no action to remediate.
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (GA)

I let someone apply for my unemployment benefits for me, they have been using my information. I noticed my account transactions show highlighted red on every transaction when it is not suppose to be highlighted red. I don't know for sure, i also didnt get my payment for this past week yet. Someone also got my information, social security number and all.
Consumer complaint received 2020-11-18
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: Experian Information Solutions Inc. (PA)

Hello, and I hope all is well. While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection of XXXX XXXX XXXX  to report items on the credit profile. If out of network required treatment, nothing presented or explained during the time of visit was ill during the time of treatments. Pre-Authorizations are required before the visit. If practices failed prior, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Consumer complaint received 2021-06-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (NC)

On XX/XX/XXXX around XXXX XXXX I heard a very loud and aggressive banging at my door. I did not see a car parked in my driveway nor across the street. I asked who was at the door and what they wanted. The individual said she was from the sheriffs office and when I opened the door, the officer hid on the side of the house and then proceeded to hand me the paperwork. She did not ask for my ID and she signed off on the document. This debt is from XX/XX/XXXXthat I was paying on regularly until XXXX. I had to use this card to pay for my mother funeral in XXXX. I have not been gainfully employed since XXXX until XXXX and I am now only working part time. I am not looking for compassion but the tactics were aggressive and unwarranted especially for someone like me that suffers from XXXX with documentation to support that. I have submitted an Answer Document to the law firm : XXXX XXXX XXXX XXXX XXXX XXXX, NC but have not been able to speak to an actual person.
Consumer complaint received 2020-07-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TCF NATIONAL BANK (CA)

We got line of credit with TCF thru mortgage broker. We had no idea the terms of the line of credit are really bad. we were in tough spot and had no time to shop as we were going to loose the house. This HELOC is with variable interest rate with interest rate payments only for 10 years! Have not been able to communicate or have not had any success with TCF to  modify the terms of the loan. the payment changes every month and no principal is being paid down. We will be forced to file for bankruptcy and ask the courts to discharge the HELOC if we dont come to agreeable terms with fixed rate and principal pay down.
Consumer complaint received 2020-11-18
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. (PA)

Hello, and I hope all is well. While reviewing the credit profile to XX/XX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection of XXXX XXXX XX/XX/XXXX to report items on the credit profile. If out of network required treatment, nothing presented or explained during the time of visit was ill during the time of treatments. Pre-Authorizations are required before the visit. If practices failed prior, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Consumer complaint received 2022-11-30
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Credit XXXX : # XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION (DC)

I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, Maryland on XX/XX/XXXX. I have had the car for two years. On Monday, XX/XX/XXXX, at approximately XXXXXXXX XXXX  the cars engine failed while I was transporting my XXXX  to school. The car suddenly shut off while I was driving on the highway at XXXX miles per hour. My XXXX and I were terrified, and I had to quickly get the car to the shoulder of the highway as it was slowing down. 

Later that morning, I had the vehicle towed to XXXX XXXX XXXX. On XX/XX/XXXX having assessed the vehicle and determined that the vehicle had suffered from an engine failure XXXX XXXX XXXX recommended that I have the vehicle towed to a local XXXX dealership for repairs. Subsequently, on XX/XX/XXXX, I had the car towed to XXXX XXXX XXXX for diagnostics. 

The dealer confirmed that the cars engine would need replacing ; the repairs would cost {$6800.00}. I promptly contacted XXXX Consumer Affairs to inquire about remedies. XXXX informed me that the vehicle is under several recalls, one of which XXXX would have extended the vehicles warranty and guaranteed an engine replacement in the event of a failure. Upon further research, I discovered that this recall ( and several others ) was issued prior to my purchasing the vehicle from XXXX XXXX. XXXX XXXX, however, failed to address the recall prior to selling me the vehicle. Even worse, XXXX XXXX did not make me aware of any recalls on the vehicle- not verbally or in writing. XXXX XXXX knowingly sold me a vehicle that was faulty, and Regional Acceptance Corporation ( RAC ) financed the loan. 

I have tried contacting XXXX XXXX on multiple occasions ( the last attempt of which was on XX/XX/XXXX at XXXXXXXX XXXX ). Ive left three voicemails for the General Manager, XXXX XXXX, detailing my concerns and requesting a return call, but no one has returned my calls. In addition, I contacted my loan financer, RAC, to make them aware of the circumstance and to inquire about relinquishing the vehicle. To my dismay, the RAC representative informed me that if I were to voluntarily release the vehicle to RAC, the company would report the vehicle as repossessed to the credit bureaus, and I would still be liable for paying my loan ( or at least the difference between my loan amount and any money that the lender could recoup from reselling the vehicle ). I am dumbfounded at the prospect of paying for a vehicle that would no longer be in my possession and that I can no longer use. At the very least, XXXX XXXX should pay for the car repairs prior to RAC repossessing the vehicle, and RAC should relieve me of this loan.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

Experian lied on response ..this is a attempt to assassinate my credit ..there is a fraud account from years ago closed and revolving, also from my previous complaint, they claim there is no record of me having a card on file. 
Then why did they email me on XX/XX/XXXX, asking me to review the card they claim its no record of. 
That is a clear indicator this is purpose, I want to pursue further legal action. 
They are lying. I have the email as evidence.they just responded they have no record of me having a card or it being reported but send the email XX/XX/XXXX .experian emailed me.? the same company who has no record of my positive credit utilization, clear discrimination
Consumer complaint received 2023-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (CA)

I made a Credit Card balance transfer from Citi Bank to XXXX  XXXX XXXX in XX/XX/2023 as I was trying to take advantage of a no interest promotion for 2 years being offered by XXXX  XXXX XXXX. I made the transfer using the camera feature for the transfer on XX/XX/2023 but the funds never reached my XXXX XXXX XXXX card. The amount in question is {$4500.00}. This amount is already being charged onto my Citibank XXXX account although there is no objective evidence that the {$4500.00} dollars expected from this transaction was ever credited between Citibank and XXXX  XXXX XXXX. I have spoken multiple times with Citibank and XXXX  XXXX XXXX on this issue but no Corrective Action has been taken. With Citibank alone I spoke with three different supervisors identified as XXXX ID # XXXX and XXXX ID # XXXX and a Third one named XXXX. Two case ID 's were opened on my behalf XXXX and XXXX but no additional follow up from either Bank has been conducted and no attempt from either Bank Institutions to mitigate noted discrepancy. XXXX XXXX XXXX provided me with case number XXXX but nothing is happening. I desperately need your help as time is of the essence. thanks
Consumer complaint received 2021-01-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (CA)

Good afternoon, I opening a few bank accounts in XXXX of 2019 at the Downtown XXXX XXXX Citibank branch. 

After the pandemic hit in XXXX, this downtown location and my banker who opened the account was made COMPLETELY UNAVAILABLE to me.

I continued to have many many issues with my account and this caused a lot of problems for me. 

Citibank is now impossible to deal with as most banks are, as they are more focused on the PPP. 

I received the attached document that is very upsetting to me. 

When I signed up for the Citibank account in XXXX, I opted in for the promotion that if I had a minimum {$5000.00} average daily balance in the sum of all my accounts after a 6 month period. ( This was confirmed by the banker who set this up ), that I would receive a {$200.00} account bonus in my account ending in XXXX. After I waited extremely patiently and repeatedly asked for my {$200.00}, ( it ended up being 7 months after instead of 6 ), I did not get my {$200.00} bonus. I had to go into the XXXX XXXX branch in XXXX XXXX at least 2 times to beg to get this bonus. After they finally did it, I closed that final account and to never look back at citibank ever again. 

However, I get this notice now saying that I am not qualified, which is 100 % ridiculous and inaccurate. 

They are saying this account is not closed, and I do not want to be reported with bad credit to XXXX XXXX. I can not deal with citibank any longer. Please help this go away.
Consumer complaint received 2020-11-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (CA)

under cares act this retirement account was allowed to be distributed and closed with no fees or penalties and the full amounts to be sent as soon i sent that in writing and filled out all their forms. depsite 19 emails they never sent any funds. being reported to DA, FTB and SEC for fraud.
Consumer complaint received 2021-01-19
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MI)

My XXXX  XXXX XXXX account was cleared to XXXX but a fraudulent group impersonating a collections company, named Credence, has contacted me multiple times by phone and mail asking for me to pay my debt to prevent any legal issues.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I called XXXX XXXX XXXX  to close my Visa card on XX/XX/XXXX ( days before the annual fee was due ). I spoke to my relationship manager ( XXXX XXXX ) and he confirmed he would close the card. 

On XX/XX/XXXX, I get a notification from the credit bureaus that my credit score dropped from XXXX to XXXX (! ) because I am late on a payment to XXXX. I called them multiple times to remedy the situation but have not received any responses.
Consumer complaint received 2023-04-03
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : XXXX 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

I sent my friend {$100.00} on Venmo on XX/XX/21. After I already made the transaction, he told me his account was " suspended '' by Venmo. However, Venmo still let the transaction go through and when I asked Venmo what happened, they said the {$100.00} is in my friend 's Venmo balance. However, he has a {$0.00} in his Venmo account ( and showed me proof ) so it appears Venmo has stolen {$100.00} from me.