davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-05
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: USCB, Inc. (CA)

This is clear case of fraud and should be deleted from my credit report. This company and credit bureau has failed to give me a fair honest investigation. They can not validate nor do they have any evidence that this is me. This is not right. This collection agency has reached out more than once and I have already told them that is a clear case of fraud and they can not even give me proof, evidence, or validate this. Please look into this as I am getting taken advantage of. I have plans that I need my credit for this year. I am a brand new father of a daughter. My credit means a lot to me and and means a lot to my daughter future. 


This is 100 % me XXXX XXXX XXXX. Please contact me at XXXX if you guys need to verify that this is me. I will send over nay documents you need in order to fix this BIG problem.
Consumer complaint received 2021-01-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

On the night of XX/XX/XXXX, I went on my chase online banking app and it opened to a message that my account was locked and to call the customer service number provided to unlock it. I called the number immediately and was told that my account was not locked, but closed and that I was no longer able to do business with chase. When I asked why they would not give me any answer. When I asked for a balance of my account to make sure that all of my money was still there, they told me that I couldnt request my own balance from my account. When I asked for my money back I was told that I needed to go to the closest branch. The following morning I went to the chase branch at XXXX XXXX XXXX XXXX in XXXX. I was told to provide proof that I was receiving unemployment from XXXX. Not knowing why I had to do this to get my own money back, I still provided proof. They told me to wait for the documents to get to my profile and to call customer service again to see when and how I would receive my thousands of dollars trusted to this bank in my account. Today, XX/XX/XXXX, I called customer service to get my money sent to me. I was told that my account was under investigation but would not tell me why, they would not tell me the balance in my account so I could make sure I was getting back everything, they also were very unclear if I would get all of my money back. Then I was told after the investigation it would take 7 to 10 business days to get a cashiers check with the unknown remaining balance. In the middle of a global pandemic, when people need it most, they have taken every dollar I have hostage and have given me no reason for their actions.
Consumer complaint received 2022-07-28
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I have 2 issues using USAA banking services. 1st issue is that my checking account deposits are not being credited in a timely manner and my account has been put of a fraud alert. because I sold a truck to " XXXX '' and their check got returned and then they wired the funds the next business day and corrected the situation. NOW Usaa is putting my account on " fraud alert and I have now been on hold for almost 3 hours, with a representative trying to resolve this mistake. '' My time is valuable and its not being treated like such. 

2nd issues is USAA had a credit card rate offer of 6.9 % and my credit is excellent yet because USAA is using an outdated XXXX SCORE of XXXX, XXXX it shows a low XXXX score so they gave me an interest rate of 12.9 % AND I monitor my scores on XXXX site and istead of using my XXXX score of XXXX, they are using an outdated score of XXXX? this is not a good use of a range of interest 6 % higher by using an outdated XXXX score... how is this legal?
Consumer complaint received 2022-07-30
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. (OH)

Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The payment status reads charged off/collection. 
And the account type reads as its an open account. The account was actually paid in full of {$290.00} I believe the date was XX/XX/2018. But account status read derogatory. I have asked for the account to be remove because how it reads its hurting my profile.
Consumer complaint received 2021-08-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

i have aske capital one 360 savings on several occasions to release my funds totaling over {$2000.00} and they refuse to do so. They have been holding my funds for over 2 years and they wont release them. I need that money post COVID to pay my bills and they are putting me in a financial hardship!
Consumer complaint received 2022-10-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

I keep track of my credit reports and scores on a regular basis. 

So, when I paid off a credit card, I received great news from XXXX and XXXX that my score had increased. : ) So, what's the problem?? Equifax dropped my score by XXXX points when I paid off my credit card. 

XXXX XXXX. Made a payment. 
XXXX XXXX. Made a payment. 
XX/XX/XXXX Made a payment ( paying off the credit card ) XXXX XXXX. No change to my credit report XXXX XXXX. XXXX reflected on my credit report. 
XXXX XXXX. Equifax reports card balance is {$0.00} and drops my credit score XXXX points XXXX and XXXX, raised my score by XXXX points. Equifax went down. : (
Consumer complaint received 2021-08-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thunderbird Collection Specialists, Inc. (AZ)

Several certified mail requests have been sent to Thunderbird Collection Specialists to provide ORIGINAL documents to validate debt that I do not owe. However, company continually fails to do so, but provides its own company generated invoices with false/incorrect information.

Thunderbird Collection Specialists is taken information from consumer 's original invoices, altering and transferring information and creating its company generated invoices. Therefore, creating false/fraudulent consumer documents, which is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2022-07-28
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. (GA)

With the consumer laws 15 USC 1666B states that a creditor may not treat a payment on mortgage loan account under an open end consumer credit plan as late for any purpose. 

Account # XXXX
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX , and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , XXXX   in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2021-01-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc. (GA)

I sent a debt validation letter on XX/XX/2021 and this company failed to validate my debt. Instead, they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information.
Consumer complaint received 2024-12-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS) (NV)

I am filing a formal complaint against Chex Systems , Inc. for including fraudulent accounts in my consumer report. These accounts were opened without my knowledge or authorization, as I am a victim of identity theft. Despite filing an identity theft report with the Federal Trade Commission ( FTC ), these inaccuracies remain unresolved on my report, causing severe disruptions to my financial stability.

The fraudulent accounts listed on my ChexSystems report are as follows : XXXX XXXX XXXX XXXX. 

- Reason : Non-Sufficient Funds ( NSF ) Activity - Reported Name : XXXX XXXX - Reported Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX - Date of Closure : XX/XX/XXXX - Account Number : XXXX - Routing Number : XXXX XXXX. XXXX XXXX XXXX - Reason : Account Abuse ; Non-Sufficient Funds ( NSF ) Activity - Reported Name : XXXX XXXX XXXX - Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - Date of Closure : XX/XX/XXXX - Account Number : XXXX - Routing Number : XXXX XXXX. XXXX XXXX XXXX  - Reason : Overdrafts - Reported Name : XXXX XXXX - Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - Date of Closure : XX/XX/XXXX - Account Number : XXXX - Routing Number : XXXX These fraudulent accounts have hindered my ability to open new bank accounts and conduct essential financial transactions. I provided ChexSystems with the necessary documentation, including a copy of my FTC report, drivers license, and proof of residence, to verify my identity and dispute these accounts.

Despite my efforts, ChexSystems has failed to take corrective action. This negligence is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates the removal of inaccurate or fraudulent information from consumer reports.
Consumer complaint received 2022-07-28
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. (OH)

I recently requested the credit bureaus verify all data reporting on my credit file. They completed their investigation and stated everything was verified. After a thorough review i fount some accounts to be not mine and requested proof of ownership and proof I owe this debt. these are the accounts listed below * XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX in accordance with the fcra guidelines these creditor have violated my rights under 15 U.S.C 1681 sec 609. States a consumer may request a copy of contract used to validate ownership 15 U.S.C 1681sec 602 A. States I have the right to privacy 15 U.S.C 1681 sec 604 A sec 2. states a consumer reporting agency can not furnish an account without written instruction
Consumer complaint received 2021-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (PA)

I began getting calls from PayPal in mid XX/XX/2021. These calls were actually being intercepted by my phone company XXXX 's robocall-blocking feature but I could see the Caller ID and number that was calling me. I called PayPal and was told that I had a balance due to Paypal of {$300.00}. I told them this account is fraudulent and they told me that this was being reported as fraud and would be referred for investigation. They told me that I did not owe PayPal anything. 
In early XXXX, I received nearly 20 calls over 4 days. I called PayPal again and was told that I still had a balance due to Paypal of {$300.00}. I subsequently found that someone had opened at least 2 accounts in my name, SSN, address and telephone number fraudulently. I also found out that there was a balance due on a second account of {$180.00}. 
When I contacted Paypal XX/XX/XXXX to report the fraud I wasn't even aware there was second account. I was told that the suspect account would be closed, that I am not responsible for the amount due and that their collection agencies would be made aware and would not contact me. 
On XX/XX/XXXX, I received an invoice from XXXX XXXX XXXX ( PayPal 's collection agency ) stating that I had a balance due of {$180.00}. When I followed up with PayPal on XX/XX/XXXX about this, I discovered this was the second fraudulent account under my name. PayPal, supposedly, will now close this account as fraudulent, too. 
PayPal will not or can not give me any information about when these accounts were opened. I do know that the email address used to open these accounts is not my actual email address. PayPal does not have record of my actual email address. Since email seems to be PayPal 's preferred ( perhaps only ) method of communication, I never knew about these accounts. 
I have asked PayPal to provide me a written confirmation of the actions they have taken, but their customer service representatives and a supervisor would not give me that information. The company is not taking my concerns seriously and believe that I should take appropriate actions under the law. It is very difficult to contact anyone with authority at PayPal. 
I was told that all a person needs to open a PayPal account is to provide an email address. Since I have a security alert on my credit reports, I know that PayPal does not seem to have tried to determine my credit rating. This is very poor business practice.
Consumer complaint received 2022-07-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (IL)

I have not been able to access my coinbase account since XX/XX/22. 
I have several existing cases with them which have all proven to be futile. 
Case # XXXX, XXXX, XXXX I have spent several hours on the phone with customer service. They only offer scripted lines to give hope the issue will be resolved in 48 hours. 
All of my emails have been fruitless. 
I get no response or a response that does not address my issue. 
I'm XXXX years old and have XXXX XXXX XXXX  for the past 30 years. 
I have all of my life savings with coinbase. 
I am not able to access my account, my funds. 
I feel that they are holding my money hostage without cause. 
I don't know what to do anymore. 
I'm loosing sleep every night. 
Please help. 
This type of behavior should be illegal. 
I'd press charges if I could. 
Please help me gain access to my account again. 
Sincerely
Consumer complaint received 2022-07-28
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. (NC)

THIS WILL BE ANOTHER COMPLAINT BECAUSE DIDN'T GIVE FTC ENOUGH TIME TO RESPOND LAST TIME. I have reached out to the company and Experian multiple times for them to take this off my credit. I was on the phone with supervisors and hanged up on because I told him that I don't have access to whatever email they are trying to reach me at and handle this situation they won't help. I have also submitted documents to Experian and contacted the FTC. This is effecting my 100 % parent history on my credit does not match my profile at all this was FRAUDULENT.
Consumer complaint received 2022-07-30
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for a loan in late XXXX XXXX. I was told over the phone that my rate would be 2.29 % and that I would get 0.5 % discount for being a XXXX XXXX client with Bank of America. I purchased a car. On XX/XX/XXXX, Bank of America sent me a letter saying that my rate was changed to 2.29 %. I called and requested a supervisor call me back. Nobody called me back. I have since left countless messages and been transferred endlessly. Bank of America charged me even more from XXXX XXXX XXXX  I would like Bank of America to provide my promised rate of 1.79 % APR.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My name is XXXX XXXX. This is related to Bank of America. 

I opened a credit card, name is XXXX XXXX XXXX XXXX. I paid {$95.00} annual statement credit. In signup conditions, they told me I need to spend {$3000.00} to get XXXX bonus points. I verified this information with more than 5 Bank of America agents on XXXX and XXXX, and I also showed them my purchases if they qualify, and all of them told me yes. Now, today, XX/XX/2022 Bank of America agents named XXXX, XXXX, XXXX and XXXX all 4 agents telling me my purchase for airline travel do not count for {$3000.00} while all 5 agents in XXXX and XXXX told me it counted. And now, Bank of America is refusing to give me promised XXXX points. 

Actions taken by me, I spent with my card for {$3000.00} in first 90 days Actions taken by Bank of America : they refused to give XXXX bonus points even I met conditions