davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

Been my credit card account and relationship with DISCOVER card since XXXX and having a cero balance with them, on XXXX they decided without a reason, as far as I know to lower my credit limit from {$22000.00} to {$10000.00} even thought I respect they decision on XXXX they closed my account and the reason that they give me was that I never reply to an email that they had send me ( to a not active email address ), they also say that they had contact me via phone and left voice mail when I don't have a voice mail set up on my phone. I have try numerous time to clarify this misunderstanding with DISCOVER without luck, even the two representatives understand the mistake and they had try to reopen the account back but the system doesn't allow it, one of the representative had told me on XXXX that I would have to re-apply again to re-open the account and since I know my credit history and relationship with DISCOVER was excellent I decided to re-apply and they denied my application. On XXXX XX/XX/2021 I was able to speak with a supervisor and she had told that she was going to check recordings from XXXX to find out If a voice mail was left on my number, If not that she was going to reopen the account for me again, she told me that she was going to call me back personally, I never here from her and after two weeks waiting from her phone call I decide to call myself to follow up and they told me that she had call me the same day and left a voice mail when I don't have voice mail set up in phone and she knows that. I was able to get transcripts from my phone company ( XXXX ) for the month of XXXX and XXXX to verify those phone calls from DISCOVER and there is NOT phone call on either month. As of today my credit history is in EXCELENT condition with a score XXXX and a credit cards limits of {$110000.00} with 14 different companies and my credit card use under 5 %, the only bad think I have in my credit history is a " closed account '' from DISCOVER, a " denial '' from DISCOVER and an " inquire '' also from DISCOVER. To me this is been a very traumatic experience that in the middle of the worst pandemic of he century this company its been giving me the running around damaging my credit history and misleading me without a reason, I feel that they are discriminating me since they having give me a reason for all this.
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (OH)

Hi, This is for the Coinbase referral program where you can refer a person and as long as they buy {$100.00} in Bitcoin, Coinbase will give {$10.00} to both parties. 

I referred my spouse and she bought {$100.00} of BTC on XX/XX/2021. The total transaction was {$100.00} as {$2.00} was the Coinbase transaction fee. 

It has been 10 days and neither my or my spouse have received the {$10.00} in BTC. I reached out to Coinbase support and they said that their referral program is fully automated, please check their website XXXX XXXX  : XXXXXXXX  ) for their referral program rules and verify that all steps were done. 

I have completed all their requirements listed on their website and after reaching out to them, they kept repeating the same thing to me through email correspondence. At this time, there is no way for me to verify why I didn't receive the referral bonus and they refuse to provide any additional information about it. This is the same messaging I receive : " Our referral program is fully automated. Note that we are unable to manually review or credit any referrals that are not automatically paid out. We are unable to provide specific information as to why any referrals may have been deemed ineligible. 

A few of the more common reasons are that the account was created but not completed or verified, or that the account has not fully complete a purchase up to {$100.00} worth of digital currency. 

You can see more information on our referral program here : XXXX : XXXX '' I purchased the {$100.00} in bitcoin due to the referral bonus and based on the emails I've received, it seems like a giant scam & false advertising on how to receive {$10.00} in bitcoin  for both parties.
Consumer complaint received 2020-12-02
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)

I notified Experian in XX/XX/2020 of a bankruptcy showing up 3 times on my Experian credit report. I advised them that I did not have a bankruptcy. They replied back that their 3rd party supplier of information ( XXXX XXXX ) provided the information and said it was verified and true, I contacted the court directly who conducted a search with my name, and social security number, they sent me a letter stating no such accounts of cases exist under my social or name. Contacted XXXX XXXX who then sent me a letter they were unable to find any information on me having bankruptcy 's. I then sent the letter from the court and XXXX XXXX to Experian and the other 2 credit bureaus, Both XXXX XXXX and XXXX removed all 3 wrongly listed items, Experian refuses to remove stating they have received verification from XXXX XXXX, I then obtained a police report showing the information was fraudulent and not mine, Experian still refuses to remove the inaccurate information even though i have provided a police report, Letter from Court and the letter from XXXX XXXX both showing I have no such court or bankruptcy case. Experian is causing irreparable harm to my credit reputation and are in violation of the fair credit reporting act as I have a preponderance of evidence showing these aren't my accounts.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (CA)

On. XX/XX/2023. I received a email from U S. DEPT OF EDUCATION CONFIRMATION MY APPROVAL OF THE SWEET VS. CARDONA CASE. 
MY BURROWER DEFENSE APPLICATION WAS APPROVED WHICH MEANS TOTAL LOAN DISCHARGE {$14000.00} DEBT AMOUNT NEEDS TO BE REMOVED FOR MY CREDIT FILES WITH XXXX XXXX AND XXXX. IMMEDIATELY THANK YOU. Please review attached verification letters for ( 2 ) student loans PLEASE REMOVE ALL TOTAL DEBT
Consumer complaint received 2020-12-02
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. (DC)

As part of a divorce the court ordered my my ex-spouse and I to split the mortgage payments from XXXX  XXXX XXXX on the house 50/50. Several late payments appear on my account due to her negligence and becase of this judgement by the court. I made all my payments on time but my ex-spouse did not. I am required to follow a court order or be held liable in contempt if I do not. But this court order is not recognized by XXXX XXXX XXXX and both parties are still responsible for the loan and collections. After there investigation it was determnined that the bank was not in error in reporting the late payments and they will remain on the account because it was a joint loan and we are both liable to ensure the full payment is received on time no matter what the court order states.These payments are the only late payments on my credit report for any and all accounts held be me. I filed disputes with XXXX  XXXX XXXX as well as all credit reporting agencies and provided bank statements showing my on time payments as well as the a copy of the court order. XXXX  XXXX XXXX still maintains its stance that no matter what the court order says both parties are ultimately responsible for payment of the loan. Banks use court action to enforce payments of debt owed but do not recognize court orders they did not initate or were direct party of.
Consumer complaint received 2020-12-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CT)

I HAVE SENT THEM NUMEROUS CERTIFIED LETTERS REQUESTING VALIDITY OF THE DEBT THAT IS STATED I OWE ON MY CREDIT REPORT FOR THE AMOUNT OF {$2400.00}. I'VE SENT THEM LETTERS IN XXXX, XXXX, XXXX, AND XXXX. THEY WERE REPORTING TO ALL THREE CREDIT BUREAUS INITIALLY, BUT IN XXXX THEY ONLY REPORT TO XXXX. I HAVE TRIED NUMEROUS TIMES TO SPEAK WITH THEM AND THEY HAVE FAILED TO RESPOND TO MY ANY MORE OF MY LETTERS.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

Identity Theft on XX/XX/XXXX Person created fraudulent account on Experian.com, using fraudulent e-mail address. They were able to down load my credit report to fraudulent e-mail address and proceeded to use credit information. 

XX/XX/XXXX - Discovered fraudulent activity on my personal bank and checking accounts. 
XX/XX/XXXX - Closed all bank accounts. 
XX/XX/XXXX - Mailed complaint of fraudulent e-mail address to Experian Fraud Department, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX - Received Experian report # XXXX XX/XX/XXXX - Unable to connect to an Experian a live customer service agent at any of the following phone numbers : XXXX or XXXX or XXXX or XXXX. Automated menu, no option to reach an agent. ( Attempts on many other days ) XX/XX/XXXX - Fraudulent e-mail address still associated with Experian account. No response from Experian and unable to contact via phone. 

This is very dangerous activity by Experian. The company collects sensitive credit information and allows fraudulent accounts t be created with just a few pieces of personal information. Then enacts no remedy when fraud is discovered. 

If you personally have not created an account on Experian, I recommend doing so now. Experian does not directly notify consumers they are collecting your credit information, and they do not advise you directly to open an account, or provide any warning that if you do not open an account this exposes you to fraud. You must create a user name and password, or anyone with your social security number and DOB can steal your information. This is also true of XXXX, XXXX and XXXX, and incidentally on the Social Security website as well. As far as am aware, these agencies do not inform people directly of this necessity.
Consumer complaint received 2020-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

In XXXX I opened a XXXX XXXX account and noticed I had a few delinquencies. In which 3 out 4 are not mine. I was able to successfully dispute 2 due to identity theft. In XXXX I had a significant other who I believe got a hold of my information and started opening accounts under my name. As I started tracing these accounts I found a lot discrepancies. Wrong name spell, unknown incorrect address. I have been trying to dispute with LVNV funding for the amount of {$3600.00}. I've sent several letters of dispute, obtained a police incident report, asked for more information. They've only sent me a billing statement in which none of the information was correct ( unknown incorrect address ) all charges tallying to the amount owed was done in month. I have looked over the statement and none of the charges are familiar.
Consumer complaint received 2020-12-02
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. (NY)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-10-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/20 I was scammed out of {$200.00} on Cash App while trying to buy a sweet puppy. On XX/XX/20 I emailed CashApp about the scam and sent picture evidence and I told my bank about it for a chargeback on the fraud ( on XX/XX/20 and they did nothing about it and did not approve my chargeback refund from my bank. I do not understand how Cash App/ Square ( parent company ) is still in business if they have proof of a scam and still won't return peoples money when they request it via a bank, I do not feel protected as a consumer right now. 

They basically said, oh well we can't help you and they did not refund my money when I requested a chargeback from my bank.
Consumer complaint received 2020-10-02
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. (FL)

THIS ACCOUNT LISTED WAS OPEN FRAUDULENTLY I DID NOT OPEN THIS ACCOUNT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (WI)

I wanted a copy of my credit score and report. I had to create an account and give my debit card info to get their free service. I got the report and cancelled. I was then charged {$21.00}, I called and got a person and they handled the cancellation and my refund. Now Im getting charged again and I have not used the service. Im angry because the charge caused me to have two overdrafts at a cost of {$70.00} plus the {$21.00} they charged me. I called their customer service number and get an automated operator which gives me no options to talk to amspecialist ( their term ). When I ask, it hangs up on me. The website gives me no option to submit a complaint or request to cancel and request a refund. This is with Experian.
Consumer complaint received 2020-12-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC (SC)

On XX/XX/2020 I, XXXX XXXX XXXX, entered a consumer credit transaction in which I was the creditor and the seller with Carvana. Because there was a finance charge involved pursuant to 15 usc 1605 they were not permitted by law to take a cash down payment because the finance charge is the sum of all charges. They still took a cash down payment which means they are liable to me in the amount of double the finance charge. They also failed to give me any material disclosure disclosing that I have a right of rescission.
Consumer complaint received 2020-12-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I discovered a Portfolio Recovery account " Placed for Collection '' only after pulling my credit report. Portfolio Recovery did not abide by the rules of the Fair Debt Collections Practices Act as I never received a notification by letter, email, or phone call from Portfolio Recovery, and was denied the right to validate or dispute this account. Furthermore, Portfolio Recovery, without my knowledge, furnished this collection account to the credit reporting agencies.
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (NC)

I believe someone has stolen my identity and opened a Checking and Savings account in my name using SunTrust bank. I moved to XXXX, XXXX on XX/XX/2020 and noticed as soon as I arrived that someone had access to my personal checking account through XXXX XXXX XXXX and was trying to get money out of a SunTrust ATM in XXXX using my account information. They successfully made two transactions but were denied for the other transactions they tried to process. Once my bank account was placed on hold, I went to the bank and filed for fraud for those ATM transactions, which was then resolved by XXXX XXXX XXXX Fraud department and SunTrust bank. I hadn't heard anything since the resolution and have been checking my accounts frequently for anymore suspicious activity. 

Since my move, I have changed my mailing address and I had my mail sent from my parent 's house in XXXX to my new apartment in XXXX on XX/XX/2020 at which time I had a couple of pieces of mail from SunTrust bank regarding " my account '' which included a debit card, pin information, and overdrawn balance forms and fees. The checking and savings account at SunTrust was originally opened on XX/XX/2020 and was closed on XX/XX/2020 with a {$170.00} balance due. 

I have since filed a police report through XXXX XXXX Police Department in the Fraud division, filed a fraud report through SunTrust bank, and am working on getting my social security account and number figured out because there could be more of my identity other than my financial information that has been compromised.
Consumer complaint received 2020-12-02
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. (TX)

FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report. Company failed to give notice or reason why this account is late, then reporting negative things on my account, why is that? -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DEPT OF EDUCATION/XXXX XXXX {$23000.00} XX/XX/2018 DEPT OF EDUCATION/XXXX XXXX {$9100.00} < -- -- Please see attached documents, accounts are NEVER LATE also INACCURATE DATA placed on my report, either EXPERIAN or the Creditor is DAMAGING report! -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --
Consumer complaint received 2020-12-02
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: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-12-02
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. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 Account number : XXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 602 A. It also states a consumer reporting agency can not furnish an 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 2021-02-10
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: Halsted Financial Services, LLC. (MI)

I received a letter from halsted financial services llc stating that they bought my account from XXXX XXXX XXXX and that I owed XXXX the date on the letter is XX/XX/2021. I actually received the letter in XXXX. I never opened a credit card with XXXX XXXX. XX/XX/XXXX I called halsted and inquired about this. The social security number and email were mine, the secondary email had my stepmom name. I told the agent I would be challenging this and the call ended
Consumer complaint received 2022-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

requested a copy of my report on the XX/XX/XXXX and how come I still have these accounts under XXXX XXXX? You need to provide me a copy of these accounts. You stated that these are/were accurate and verified. Who verified these? XXXX XXXX couldnt provide me any proof. I contacted them several times, but they could not give me any proof or a copy. 

These accounts from XXXX ( already closed ) and yet you failed to give me any information. How do I settle this? when you aren't giving me anything to settle with.