davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Keynote Consulting, Inc. (IL)

Hi. Keynote Consulting has a {$440.00} collection on my credit report, and they continue to report this a new late payment every single month. This was from a XXXX bill that I refused to pay because the XXXX   charged, and collected, money from my insurance company for XXXX he had to place after he inadvertently XXXX my XXXX! Further, the original " debt '' was incurred on XX/XX/XXXX, so it should actually fall off my credit report on XX/XX/XXXX. Except, they have the original debt as being XX/XX/XXXX. I presume this is the date the collection agency purchased the debt, however it is supposed to be reported using the the date that the original debt was incurred. I contacted the company back in writing, back in XX/XX/XXXX, regarding the incorrect information and they never responded.
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2021 I went into my Capitol One credit card app to make a payment on one of my credit cards and to find that a bankruptcy was filed under one of my credit cards. I immediately contacted Capitol One to resolve the issue. 3 days later, what I thought was resolved, actually was placed into collections and my card was " Charged Off '', by Capitol One. I have a credit limit of {$300.00} and had a balance of {$110.00}. I had never been late on a payment and now I'm 2 weeks from applying for a mortgage and this could hinder me from getting a mortgage. I've multiple attempts/complaints to Capitol One credit card and they keep giving me the run around. 
I did not file bankruptcy and i shouldn't be having this issue. 

Please advise on what to do next. 

Thank you for your cooperation XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc. (OK)

Its been a month since I was approved for the new XXXX XXXX XXXX XXXX. Ive called Commenity Bank so many times that its hard to remember how many times Ive called. Theyve lied to me prior about having the second card expedited so they assured me that another would be expedited & I will get it within 48 hours. Yet, still NO credit card & now theyre telling me the same excuse that I keep hearing, there is a delay. They never provide shipping information nor tracking information, they cant even provide secure information on where the card is when you call to ask! Ive already put {$700.00} on the card for a flight & I can NOT access my account without the credit card information. Someone needs to look into this & figure out whats going on at Commenity Bank because I know this is an issue that several people are having.
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XXXX member received a phone from her employer stating they received an unemployment claim in her name and ssn. XX/XX/2021 member received a letter that benefits were received and member received XXXXXXXX XXXX card and capital one card.
Consumer complaint received 2021-05-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Hallo, My name is XXXX, and I am a citizen of XXXX XXXX with a Coinbase account. 

Recently I damaged my cellular telephone and along with it went my XXXX authenticator keys. 

The keys can not be recovered and subsequently my access to my funds have been inaccessible. I have reached out to coinbase and they constantly say they will get back to me in 4-5 business days to begin the process or restoring access to my account and they have failed to do so going back to around the middle of XXXX now. 

I feel as though Coinbase is not taking this matter seriously and that they are using offshore agents whos primarily language is not English to being with and they are not properly handling this issue at all. 

No one is taking an interest in assisting me and it feels simply an exercise in frustration. This matter is at is causing me a lot of stress and anxiety. 

I have spent countless hours trying to fix the shortcomings of Coinbase support and I am now forced to continue to escalate this matter just shy of filing a formal lawsuit, which I am trying to avoid. 

Looking forward hearing from you and how I can get acces to my Coinbase again. 

Kind regards, XXXX XXXX
Consumer complaint received 2022-06-09
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. (TX)

In accordance with the Fair credit Reporting Act OFFICE OF THE ATTY GEN Acct # XXXX, XXXX acct # XXXX has voilated 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 with my written instructions.
Consumer complaint received 2022-06-29
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: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act XXXX AT XXXX XXXX XXXX XXXX XXXX at XXXX 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 and account without my written instructions.
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: EQUIFAX, INC. (TX)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Also, update my personal information to my credit report. 
See attachment for the following : FTC Complaint form A copy of my Identity Theft Report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Ive noticed unauthorized inquiries on my Experian report and provided this information over to the reps, and managers at Experian over the phone. I mentioned to them how I was aware that according to the FCRA, legally these unverified & unauthorized items MUST be removed but instead they said they DO NOT and WILL NOT remove any inquiries and gave no reason as to why. The other two bureaus investigated and removed the unauthorized inquiries yet Experian still refuses to do anything about this. I am in the process of applying for home loans and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. 
List your inquiries desired to be deleted : 1. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. It is a reason of identity theft. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. It is a reason of identity theft. 
Account Number : XXXX Please remove it from my credit report. 
8. It is a reason of identity theft. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months
Consumer complaint received 2024-09-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

Toyota motor credit corporation used deceptive and abusive practices to take my car away from me, the contract that was signed with the dealership XXXX XXXX XXXX in XX/XX/year> did not clearly and conspicuously disclose my consumer rights and included very deceptive statements such as a no cooling off period which has led me into being victimized by various corporations including consumer reporting agencies such as XXXX, XXXX and XXXX and possibly more that I am not aware of. 

Because of Toyota motor credit corporation I am carless and my credit reputation is being negatively impacted, oppressing my mode of living. According to the contract the security interest secured the payment for the car, that security interest was given at the time of the transaction and had I known and was made aware, through transparency of the operation of the transaction I would not have agreed to making any additional payments as that is no benefit to me as a hard working consumer who purchased the car for personal, family and household purposes. I am now a single mother of a toddler and not having a car makes transportation more difficult outside of the support of my family, however my family still has things they need to do and if XXXX XXXX XXXX and Toyota motor credit corporation did not act deceptively and abusively invading my right to privacy and my right to due process. I have Toyota motor credit corporation multiple notices of dispute for the debt and they never verified anything. Verification required sworn statement under the penalty of perjury because anyone can claim something to be true but if they can not prove beyond reasonable doubt, and I have reasonable doubt based on case law stating that billing statements are not substantial proof of a debt being owed.
Consumer complaint received 2019-10-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

ON XX/XX/XXXX I RECEIVED A CREDIT INQUIRE FROM XXXX XXXX IN XXXX GA AND XXXX XXXX XXXX THE SAME DAY, I IMMEDIATELY CALLED THE XXXX DEALER IN XXXX GA ( XXXX XXXX ) AND THE LOCAL POLICE IN THE AREA AND TOLD THEM IT WASN'T ME THERE BUYING THIS CAR OR TRUCK, XXXX XXXX REPLIED SAYING, WELL SOMEONE IS HERE WITH A ID WITH YOUR INFORMATION ON IT AND THE SELL WILL GO THROUGH. I THEN CONTACTED THE FRAUD DEPARTMENT AT EXPERIAN IN XXXX TEXAS AND THEY IMMEDIATELY REMOVED THE INQUIRES AND SENT A MESSAGE TO XXXX XXXX SAYING THIS INQUIRE WAS FRAUD. ON XX/XX/XXXX ACCOUNT FROM XXXX XXXX WAS PLACED ON MY PERSONAL CREDIT FILE BY XXXX SAYING I BORROWED XXXX FROM THEM, I CONTACTED XXXX XXXX FRAUD TEAM AND FILED OUT ALL THE PAPERWORK THEY SENT ME AND THEY SAID I WILL NOT BE RESPONSIBLE FOR THIS LOAN AND THE OTHERS. I ASKED WHAT OTHERS! XXXX XXXX AT XXXX SAID THERE IS 3 OTHER LOANS IN YOUR NAME AS WELL AND ILL MARK THEM AS XXXX TOO. I CONTACTED EXPERIAN FRAUD DEPARTMENT AND UPLOADED ALL MY DOCUMENTS CONCERNING THIS XXXX ACCOUNT AND THEY IMMEDIATELY BLOCKED THIS ACCOUNT AND XXXX WAS OK WITH IT, NOW 5 MO LATER THE BLOCK IS REMOVED AND THERES TWO FRAUD ACCOUNTS FROM XXXX XXXX SHOWING UP ONLY ON MY EXPERIAN FILE. I HONESTLY LOSING EVERYTHING I/VE WORKED HARD FOR DUE TO THIS. XXXX XXXX XXXX IS CALLING ALL LOANS IN AND MY CREDIT CARD COMPANY HAS GIVEN ME 4 BUSINESS DAYS TO HAVE IT REMOVED OR THEIR CANCELING MY ACCOUNTS. ALL OVER FRAUD ACCOUNTS. I WORKED FOR THE XXXX AND XXXX CONSUMER AFFAIRS AND THIS IS ACTUALLY CRAZY WHAT EXPERIAN IS LETTING THEM DO TO ME. I WILL CONTACT MY ATTORNEYS TO FILE SUITS AGAINST EXPERIAN DATA AND XXXX XXXX. EXPERIAN TOLD ME THEY HAVE THE RIGHT TO UNBLOCK THIS ACCOUNT WITHIN 30DAYS FROM THE TIME IT WAS BLOCKED, BOY NOT 5 MOS. XXXX XXXX WILL NOT SHOW ME ANY DOCUMENTS NOR EXPERIAN DATA WANT EITHER, BY THE END OF THE DAY I WILL FILE LEGAL ACTION AGAINST EXPERIAN IN XXXX TX. I WENT TO SCHOOL AT XXXX UNDER XXXX XXXX XXXX XXXX AND CLEARLY EXPERIAN CANT DO THIS. THERE HAS BEEN OVER 9 ACCOUNTS OPENED IN MY NAME SINCE XXXX WITH XXXX XXXX, ALL FRAUD! MY EX WIFE XXXX XXXX XXXX WORKS FOR XXXX XXXX IN THE DEALER LOAN DEPARTMENT AND XXXX XXXX XXXX IS THE ONE THAT ALWAYS APPROVES THE LOANS. EXPERIAN DATA BLOCKED THE ACCOUNTS 2 DAYS AFTER I DISPUTED THEM AND NOW 5 MO LATER THE UNBLOCK THEM, FTC SAYS THEY CANT DO THIS. I WILL TAKE THIS TO THE TOP IF NEEDED, IM LOSING EVERYTHING I OWN NOW BECAUSE OF EXPERIAN.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (AL)

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.

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 2021-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2018-12-17
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

So this isnt a company its actually a person from the XXXX. He scammed me saying he would give me some account for money. So I paid him and never received anything. Please send me my money back. Its set as friends and family because he said to put it there, you people are my last hope to get anything back from this scammer. Please help me
Consumer complaint received 2019-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

1. On today, XX/XX/2019 I visited the XXXX XXXX XXXX branch for assistance. 

2. I sat on the couches for several minutes without being greeted or acknowledged. 

3. I asked a teller whether anybody would come to see about me. The teller said to sit on the couch and " any of us can assist you. '' 4. After twenty minutes, XXXX p.m. to XXXX XXXX., I still have received no assistance or even been greeted or acknowledged. 

5. There is a representative sitting in his office doing nothing. 

6. I placed several calls to the branch while in the branch and no one is answering the phone. 

7. BOA branches are understaffed. BOA collects monthly maintenance fees from customers, but does not spend adequate money in labor to provide the most basic customer service. 

8. This is consistent with other experiences I have had at other BOA branches.
Consumer complaint received 2021-01-25
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX my bill for account MACY'S/DSNB ( opened XXXX XXXX, XXXX ) did not go through when it was on the auto-bill in the bank XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.
Consumer complaint received 2022-04-25
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX -XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX NEGATIVE ACCOUNTS : -XXXX  XXXX XXXX -T ED/XXXX XXXXXXXX -DPT ED/XXXX XXXXXXXX -DPT ED/XXXX XXXXXXXX -DPT ED/XXXX XXXXXXXX -DPT ED/XXXX  XXXX -DPT ED/XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX5 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 an account without my written instructions.
Consumer complaint received 2021-03-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (ID)

XXXX/XXXX  Equifax indicates that it is up to me to provide information to them regarding hard inquires for 2 XXXX hard inquires on my credit report. Also, on XX/XX/2021 after specking with Equifax over night my credit score dropped XXXX points? Also, three derogatory remarks have also been placed on my report. I was told by " consumer Affairs '', to file a police report. A score can't drop XXXX point 's in just one day? I find this suspicious that this happens after I contacted Equifax to file this dispute. Also, XXXX a supervisor did tell me I have to report my new address to each agency, if I ever move? That is not true, I was informed by the " CFPB ''. I was at XXXX on XX/XX/2021, but overnight it went down XXXX point 's, how can that happen? All the other agency I have a outstanding credit score 's. it has been over thirty days, I need this to be corrected, this has been disputed before. I did not want to go to the police or file a complaint with the " CFPB '' or " Consumer Affairs ''. I have also been advised that I might have t file a complaint with my State Attorney General. 

A gentleman in the XXXX and a gentleman named XXXX refused to dispute the hard inquires. They told me I had to get an attorney with my notarized signature to have them removed. 

I told them that I HAVE NOT applied for service with XXXX and that I want the hard inquires removed. They both refused to file a dispute with their employer regarding these inquires. XXXX has NO records of me applying for service. I have been on the phone for over 40 minutes trying to get someone to help me.
Consumer complaint received 2021-12-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

PayPal has denied my dispute XXXX XXXX 100 % do not agree with the decision. I have never banked with XXXX XXXX XXXX before and I have evidence of my account being hacked. I have worked with PayPal to finally get these funds released and was locked out of my account until now only to discover the funds being withdrew to someone else account. 
I have uploaded evidence of my account being compromised. I have also reached out to authorities and am currently waiting on the Police Report. I am asking PayPal to fully review this dispute in detail and to partner with XXXX Bank immediately to recover these funds and pursue and action against the person who obtained my information to make this transfer.