davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

In accordance with the FAIR CREDIT REPORTING ACT and XXXX account XXXX said to be opened on XX/XX/2018, both parties have violated my rights. 

15 USC 1681 section 602 A - States I have rights to my privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 166b states s creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2021-05-20
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. (FL)

It's been over 30 plus days in have not had a response. I sent out a letter to verify the Accuracy On my Credit Report but gotten no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted if not verified. They were unable to provide me with a copy of the supporting documentation as proof.
Consumer complaint received 2022-09-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
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. (FL)

The issue is with the accounts below I recently sent a Complaint on XX/XX/XXXX XXXX I'm bothered by the results I sent documentation of proof that XXXX has broken the law. I'm sorry but CFPB did nothing there are multiple infractions with documentation. 
one of which never actually validated my dept since XXXX but continued to send my validation letters. completely unacceptable. 

In accordance with the fair credit reporting act convergent account # XXXX and account number XXXX have violated my rights. 

15 U.S.C 1681 Section 602A 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 written instruction. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : look at the images attached. XXXX debt was supposably verified but shows the debt was truly never validated still shows an update date in XXXX even though the CFPB said everything was okay on XX/XX/XXXX
Consumer complaint received 2022-09-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My name is XXXX XXXX, I'm submitting this complaint, and all future correspondences will be by me and from me. 
On XX/XX/XXXX, I went to XXXX XXXX of XXXX to get a new car via credit through Capital One Auto Finance. Although I had already obtained a pre-approval, I was told by the sales agent that I would still need to pay a cash down payment and have a co-signer. Because I needed a car, my mother XXXX XXXX XXXX ) agreed to be my co-signer and I also gave a {$7500.00} cash down payment. I am now a more informed consumer and have come to realize that fraudulent, misleading, unfair and abusive acts have been committed against me, and it also appears that, that was the intent from the onset of the consumer credit transaction. I was charged a cash down payment in connection with a finance charge, my insurance was not included in the finance charge, I was not given required disclosures under the Truth In Lending Act, and the method used to determine the finance charge was not included. Attached to this complaint will be the contract which evidences my claims of violations, my affidavit of truth, and notice of rescission that was mailed to Capital One Auto Finance. The property involved in the consumer credit transaction can be identified by the following ; XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX
Consumer complaint received 2022-04-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (FL)

XX/XX/XXXX and XXXX 2022 our bank checking, savings and money market accounts had money withdrawn without our knowledge or consent. We have met with the XXXX XXXX and spoke to the fraud department of the banks who holds our accounts. We have had very little information about our case, and no money has been reimbursed to us. 
On the days mentioned above {$25000.00} was taken from our accounts. The XXXX XXXX we are dealing with can not give use a day of resolution, because in a conversation I had with an associate of the XXXX " they have so many fraud cases '' I can not give you a timeline when you can receive your money.
Consumer complaint received 2020-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This is the 10th time I have filed a complaint about Portfolio Recovery Associates. Portfolio Recovery Associates is refuse to send me something with my signature on it. They sent me some credit card statements. 15 U.S. Code 1692g - Validation of debts Portfolio Recovery Associates is failing to send the original contract with my signature on it. THEY have reported this false balance to XXXX. 

Portfolio Recovery Associates wants me to send a copy of my ID and some other stuff. I'm NOT required to do this. It's Portfolio Recovery Associates JOB to validate without any HELP FROM ME.
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX of last year, {$1000.00} had been withdrawn from my prepaid Bank of America XXXX card. I did not give anybody my card or pin number nor did I authorize anybody to use my card ever as one Bank of America phone representative insinuated. After I had discovered the missing funds and reported what happened to Bank of America, I received a letter from them all of three days later stating that my account seems to have been involved in some fraud and the case was closed. I called BofA again and asked why nobody had investigated and how could they just ignore my claim like that. The representative told me to write an appeal letter reiterating that I did not authorize the transaction in anyway nor give out my pin number and to please conduct a proper investigation. I did as instructed and faxed the letter over to the number she gave me on XX/XX/2020. By XX/XX/XXXX, Bank of America 's response was to freeze my entire account which had {$2300.00} in it and left me with no money at all. I made numerous phone calls only to be insulted by employees or to be told that I was just one of hundreds of thousands of people which did not help. I wrote them a letter again on XX/XX/XXXX, and again on XX/XX/XXXX. Finally, the {$2300.00} was released on XX/XX/XXXX and that was the end of it. I was right back where I started when I first called to complain about the missing money. They apparently still have not bothered to investigate, they won't cover the loss as even their own website states and they will not do anything to help me with this. They didn't even send me any kind of courtesy notice either when they froze my account. I am yet again requesting that Bank of America replace this {$1000.00} stolen from my account as they are supposed to assist when a customer has been a victim of fraud not make the situation even worse for them. I will never use their card again, because it obviously is not safe and offers no protection for consumers. I am tired of trying to deal with them and would just like the money stolen from my account to be returned. They clearly have no intentions of taking any actions on my behalf.
Consumer complaint received 2022-07-23
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: ENCORE CAPITAL GROUP INC. (CA)

My name is XXXX XXXX and I am submitting this complaint on behalf of myself there is no third party involved. On XX/XX/XXXX for the amount of {$670.00} and the other one was on XX/XX/XXXX for the amount of {$570.00} XXXX XXXX XXXX XXXX obtained my consumer report and file without a permissible purpose. XXXX XXXX XXXX XXXX is also reporting unauthorized inquiries on my consumer report.
Consumer complaint received 2021-01-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MST Financial Services, L.L.C. (CA)

The collection office has not provided the required documents showing this account is in default. My insurance and original service provider are looking and investigating the payment/ insurance part of this claim of {$350.00} for XXXX XXXX. I ask the collection agency to return the collection back to the original provider to resolve our issue, but they would not work with me. They have been bullying me to pay and I feel this will not only hurt my credit but all future prospective employers. They will not give me an interview or opportunity due to my credit been damaged by this collection. This company is problematic to consumers because of its practices of bullying and threatening consumers.
Consumer complaint received 2022-10-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (FL)

I have tried some banks and tried opening checking accounts and got rejected due to XXXX, however XXXX reports is clean as I requested and went over with representative. Opened a checking account at chase and one week later they call me saying I had an account before with bad checks that they would have to close it I HAVE NEVER HAD CHASE BANK EVER. I had the same issue with XXXX and XXXX XXXX.
Consumer complaint received 2021-08-06
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc (CA)

I previously have submitted a complaint to PayPal regarding my account being limited access due to suspicious activity. In my CFPB response letter from PayPal inc. they stated that my current PayPal account is limited because they alleged a violation of Restricted activity and hold section of the user agreement. I called today XX/XX/XXXX to PayPal because a supervisor was supposed to give me a callback for a reconsideration because I have showed proof that their security system was a false positive of fraudulent activity on my account. I havent received any callbacks and today I spoke to PayPal collection department which they stated that I still have a negative balance of my previous PayPal account back in XXXX and I advised the representative that I have already payed off that debt which PayPal sold the to XXXX XXXX. PayPal has no legal rights to that account once sold to a debt collector and I have the letter to confirm my debt settlement.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

The account is closed and XXXX XXXX and XXXX has already collected their money from me. This account is CLOSED and PAID. 

PLEASE DELETED AND REMOVE FROM MY CREDIT REPORT
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-11-21
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. (AR)

I started asking for reinvestigation on accounts in XX/XX/XXXX and I received a letter on XX/XX/XXXX that XXXX of the accounts that I told was not my accounts was deleted. I spoke with a consumer law professor and he told me to send it again and i did but nothing changed. I have been reporting these same accounts since XXXX and it is now XX/XX/XXXX and they are still reporting the accounts. I also filed an identity theft report with the FTC and also sent the XXXX a signed FTC report which was notarized and mailed first class mail, certified return receipt. The company then sent me a letter saying that I need a police report but XXXX XXXX ( A ) states provide FTC Identity XXXX Report, Identification, and confirmation from the consumer that said accounts resulted from identity theft and that one doesn't assume or accept responsibility. So now it's clear that they are continuously violating my consumer rights. In XXXX they sent a letter that said that they couldn't verify my identity and asked for the same identification that was sent and the next day I received a letter and email telling me that they verified the accounts. So you verified the accounts after you stated you couldn't verify me, The XXXX, natural breathing person, and XXXX XXXX? That alone makes no sense.
Consumer complaint received 2019-03-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

On XX/XX/19 PORTFOLIO RECOVERY Associates Reported a collection account on my XXXX   report. Please keep in mind I disputed this collection ( {$270.00} ) With XXXX  and it was deleted as of XX/XX/19. This collection account also shows up on my XXXX report which I am also disputing. They will not remove it from my XXXX  report and I fear the same will happen with XXXX. This is not my debt and I would like it removed immediately.
Consumer complaint received 2018-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

Hello, My Mortgage company Ditech did an escrow analysis on my account in XXXX and raised my mortgage by {$47.00} per month without notifying me. I called and was told that they did the analysis in XXXX and sent out a letter. However I did not receive any letter from them. Escrow analysis normally done in the beginning of the year. Can you help me. If I had gotten the letter then I would have paid the increase as I am living ona budget. 



My name is XXXX XXXX XXXX
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo Dealer Services is reporting inaccurate information to all 3 credit bureaus. To XXXX they are reporting Charge off from XX/XX/XXXX-XX/XX/XXXX, they are reporting 90 days late on XX/XX/XXXX, 60 days late from XX/XX/XXXX-XX/XX/XXXX and 30 days late from XX/XX/XXXX-XX/XX/XXXX. They are reporting no derogatory information on XXXX and 90 days late from XX/XX/XXXX-XX/XX/XXXX on XXXX. Under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), they are not accurately reporting the credit bureaus.
Consumer complaint received 2018-12-14
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: Synovus Bank (MI)

Ive been dealing with an ongoing issue involving discrepancies on my credit reports. I have a closed out account due to a unauthorized credit card. I have never applied for an account with this company nor have I given anyone consent on my behalf.
Consumer complaint received 2018-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (NJ)

DEBT COLLECTION GC SERVICES CALLS MY FATHER ALMOST ON DAILY BASIS ASKING AND LEAVING MESSAGE FOR A TENANT THAT DOESN'T LIVE IN THE BUILDING ANYMORE. THE REPRESENTATIVE XXXX XXXX HARRASSMENT MY ELDER FATHER ASKING FOR SOMEONE WHO IS NOT RELATED WITH US. NEVER LIVE WITH US. I SPOKE WITH A SUPERVISOR BUT PHONE CALLS CONTINUES.
Consumer complaint received 2021-11-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

On XX/XX/21 I tried to transfer My XXXX coin valued at XXXX and was denied transfer I tried XXXX more times and price kept dropping and was denied as wellcalled customer service they said it was a glitch and nothing they can do about it now the whole community of XXXX XXXX owners are locked out of our accounts on Coinbase saying that they are having technical issues and trying to resolve the problemCant get a hold of anyone on the phone from customer support XXXX hour hold and no answers today is XX/XX/21 this problem has been going on since they released XXXX for purchase
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Crown Asset Management, LLC, Duluth, GA Branch (CA)

I received a bank subpoena on XX/XX/2021 regarding an account that was opened under my name with XXXX. I had no knowledge of this which is why I filed a police report right then and there. Crown asset management went into my savings account and pulled out the full amount without warning. I then filled out a claim of exemption form and filed it with the court timely. The judgment debtor denied it. Then I appealed it with the court and appeared in court on XX/XX/2021 and represented myself and the judge approved my claim of exemption and ordered to have my funds released into my account. Today which is XX/XX/2021 I received a notification from XXXX stating that my wages are going to be garnished from crown asset management. I contacted the court and they stated that the case has been closed and the funds were to be released into my account. OXXXX XXXX  website it states that starting from my next pay. Crowned asset management will be garnishing my wages even after the judge ordered for my funds to be released to me.
Consumer complaint received 2022-04-20
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. (IL)

I sent disputes on XX/XX/2022 to remove unlawful information off my credit report. its been more then 30 days and its also bringing my score down. I can't buy a house or get a car with loans, due to the information on my report.
Consumer complaint received 2022-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX/ {$1000.00} / XX/XX/2022