davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-03
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: DISCOVER BANK (PA)

spoke to company and told them I recently reviewed my credit report and saw a collection account from them that i never had any knowledge of. I told them I never gave them permission to open the account and asked how the account was opened. I was disregarded and given a nasty attitude. I called multiple times explain that I did not open an account and it was hurting my life. I then decided to try and make payment for it to go away only for this account that i did not apply for grow larger. I never gave permission for Discover to furnish this account in the first place let alone open the account. Someone used my information to open this account without my knowledge and I have been suffering for it. I was told that there was evidence the account was opened without my consent from a representative. I move a lot and I never lived at the address that is on file it is my fathers address and he is old and sick.
Consumer complaint received 2022-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Blockchain.com, Inc. (MI)

Another issue with blockchain. They closed my account because it was compromised with my my money still in my trading account wallet. I talked with them via email about it and the asked me to create another account and the instead of actually verifying the new account with my ID on the mobile app, I would need to verify it by replying to that email with a selfie of me holding My ID card and also a paper with the written words that contains my birth date, bitcoin price that very day and my new wallet ID to verify I own the account and after that, they should confirm and r Move the bitcoin from my old locked and compromised account to the new account I created. They asked me to reply if I had further questions about it which I did since XXXX of XXXX and they never responded to me since then. I can't complete the new account and verify it unless they respond to me and the email conversation is live and active. It seems they closed our conversation and I just reopened another ticket for the same issue and they never respond to customers complain. Please I need to get my new account sorted to get the btc in my old account into the new one. I'm a XXXX XXXX XXXX lady with not much patience left. I created a new complaint 3 days ago and here 's the ticked. I need it addressed. Here 's the new blockchain complaint ticket number from them # XXXX
Consumer complaint received 2021-10-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (PA)

On XX/XX/XXXX, I was notified by Coinbase via email of a transaction sending approximately XXXX XXXX ( {$1700.00} at the time ) to a XXXX wallet. I had two-factor SMS verification enabled on my account, and I had not received any text messages, so I thought I had nothing to worry about. My account was drained of my holdings. I informed Coinbase via email, but got only automated messages in response. I tried to call, but was informed that I had to be a Coinbase Pro member to get live service. I disabled my account at this point to avoid further issues. I reported the theft to my local police department, who investigated it to their best ability. I contacted my cell phone service provider to inquire as to whether my SIM had been hacked, and they answered that it had not. Only recently has news surfaced that Coinbase suffered a security breach that allowed for an actor or actors to subvert SMS account verification and steal funds from members. Supposedly, the latest known date of this breach was XX/XX/XXXX, after which Coinbase was able to correct the problem. Again, the date of the theft from my account was XX/XX/XXXX. Coinbase may be unaware of the fact that the theft extended beyond XX/XX/XXXX, but I have no way to contact the company directly to inform them of my problem.
Consumer complaint received 2021-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2021-04-05
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: Eastern Account Systems of Connecticut, Inc. (VA)

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to XXXX and XXXX  regarding an account being reported by EASTERN ACCOUNT  SYSTEM XXXX Original Creditor : XXXX XXXX XXXX  ). 

The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX responded that the account was unable to be verified and deleted it from my credit report but XXXX and XXXX failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported.
Consumer complaint received 2021-04-05
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. (VA)

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to XXXX  and Equifax regarding an account being reported by XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX  ). 

The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX responded that the account was unable to be verified and deleted it from my credit report but XXXX  and Equifax failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (KS)

I opened a Home Depot Credit Card in XX/XX/2021 with a {$1000.00} purchase. I received a bill in late XXXX or early XXXX of {$1100.00}. I paid the bill in full. I received notification of late pays shortly after paying that bill, but used the card for another purchase of about {$810.00} and paid that balance in full. I called the number on the back of the card in XXXX and a nice young man told me he could credit me {$40.00} for late fees and we found that my address was incorrect. We changed my address. I asked him since the address was wrong and i was not getting statements, could he help me remove the 30 and 60 day late from my credit report and he checked and told me he could not, but I could dispute it. He did not sound sure so I called 2 more times. Both times I spoke with young ladies who were more sure of them selves and much more abrasive. Both ladies assured me they could not change the reporting to the bureaus because they were regulated by the government and FCRA and they had to report and report accurately. I went ahead and made disputes and I was denied. After the denials I did my research and found 15 USC 1666b covers the consumer in cases where statements are not sent to consumers and late payments can not be assessed. I am now writing to Home Depot Credit Services in the hopes they will be as serious about the USC when it favors me as they are when it favors them.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

XXXX XXXX XXXX XXXX XXXX  billed me {$1500.00} on XX/XX/XXXX and {$240.00} on XX/XX/XXXX. 
On both dates I had Medicaid, I contacted them and the collection company ARS. I sent them both a 1095b showing coverage from Medicaid. I asked for it to be removed immediately because it is affecting my credit score and keeping me from renting a home. 
Medicaid has reached out to them asked them to submit a claim to be paid and they have not.
Consumer complaint received 2022-10-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/2022, XXXX XXXX XXXX responded to a complaint via the CFPB portal stating that they have received my notice to cease and desist. Additionally, they have stated they received my debt validation letter. XXXX XXXX XXXX and XXXX XXXX have failed to validate the debt of {$7700.00}. According to case law XXXX Concrete F.C.U v. XXXX, XXXX XXXX XXXXXXXX, a consumer contract or credit card statement is not sufficient evidence for debt validation. The debt that is currently being reported to all three credit bureaus on my behalf is illegal and is in violation of my consumer rights pursuant to XXXX Concrete F.C.U v. XXXX, XXXX XXXX XXXXXXXX. XXXX XXXX XXXX and XXXX XXXX is also in violation of my consumer rights pursuant to 18 U.S.C 894 for listing the debt on my credit report as a means to negatively affect my future consumer transactions and swindle me into making payments in order to remove the account from my consumer report. Again, I do not give XXXX XXXX XXXX or XXXX Funding permission to report a collections account for the amount of {$7700.00} for account number XXXX to any of the credit bureaus. A Cease and desist notice requires the company to refrain from all collection activities and according to XXXX law, this includes reporting to the XXXX credit bureaus XXXX, XXXX, and XXXX. Failure of XXXX XXXX to remove the alleged debt from my consumer credit report within fifteen business days will and can result in legal action against them. Additionally, A Federal complaint will be made for illegal collection tactics.
Consumer complaint received 2022-09-27
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. (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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX, has violated my rights XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account # XXXX, has violated my rights XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX, has violated my rights ( Original Creditor : XXXX 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 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 to cause to believe that the information is inaccurate.

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 advers item of information, other records of convictions of crimes which antedates the report by more than seven years
Consumer complaint received 2021-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

The Collection Bureau of Hudson Valley Inc. has falsely accused me of being the owner of an account that is not mine and for a service that I have never utilized. Despite multiple conversations with a member of Collection Bureau of Hudson Valley Inc. in the early months of the year, I have spoken to a representative within the Collection Bureau of Hudson Valley Inc. twice in which I claimed and informed them of my disassociation with the account and implied/explained that my name was being fraudulently used for the services in which they are representing. I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges for XXXX XXXX. 

Despite my claim of disassociation from the account and the fraud lock and alert on my credit report for nearly a year, the collection agency reported a fraudulent account to the credit bureaus, severely damaging my credit reputation across all bureaus except XXXX, which promptly and efficiently removed the false collection account from my credit. Because there is a fraudulent lock and report on all of my credit reports, and they have completely ignored all of the risks associated with reporting false information and failing to respond to any requests for verification of the collection amount/service used, the Hudson Valley Inc. Collection Bureau is clearly inadequate and incompetent in its investigative process.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY ()

I had opened a college account in Wells Fargo XXXX in XXXX as a recommendation of my XXXX student ; : s program at XXXX University. Since I came back XXXX XXXXXXXX I decided to keep my account open free for transactions. For years I ; : ve kept the account with no activity or funds becoming dormant. In XXXX XXXX  XXXX to reactivate it, Ive sent a letter with updated personal information to Unclaimed Property Department of the bank with copies of passport, social security number, payment checks, all documents asked as the instruction process. Wells Fargo promptly reactivated my account and I was free to use it. Even thought my debit card was expired and I didnt receive a new one on my billing address, at that time I could access my account from online banking. However, since XXXX after I made a transfer of XXXX dollars from XXXX to my checking account at Wells Fargo, with the intent to transfer to another XXXX account, my XXXX checking account. After that, all services were blocked and I didnt have access to my funds. In those XXXX years Ive tried to solve this situation by phone. Ive tried to buy an XXXX XXXX XXXX, to register an XXXX phone number to be verified, to ask for a cashier 's check in my billing address and any other possible solution. Today in contact with WF costumer service I was notified that the only way to access my funds was going to a branch personally, which is impossible for me right now living in XXXX. My account is completely blocked without a reason. 

For this reason I'm respectfully asking for XXXX bank regulator your intervention.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian. XXXX. XXXX. 
All of them are responsible for ignoring federal directives regarding student loan payments during a pandemic. 

If the GOVERNMENT says no one can collect during this time, then that means, the reporting companies shouldnt be reporting negative information. 

This began last year and has been extended through 2021. Why are these credit bureaus so eager to defy the very system that allows them to exist? 

Stop reporting their reports. Its not even any payments due right now. I checked the regs and I dont have to ask for the forbearance. It is given to anyone in these times. 

They are literally defying the federal government and have ignored or rebuffed my attempts to remove this negative information.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX. Transunion. XXXX. 
All of them are responsible for ignoring federal directives regarding student loan payments during a pandemic. 

If the GOVERNMENT says no one can collect during this time, then that means, the reporting companies shouldnt be reporting negative information. 

This began last year and has been extended through 2021. Why are these credit bureaus so eager to defy the very system that allows them to exist? 

Stop reporting their reports. Its not even any payments due right now. I checked the regs and I dont have to ask for the forbearance. It is given to anyone in these times. 

They are literally defying the federal government and have ignored or rebuffed my attempts to remove this negative information.
Consumer complaint received 2023-01-04
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. (TX)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-05
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. (FL)

There is inaccurate information posted on my credit report with Experian. I have stated my reasons for disputing those accounts in the documents attached. I have sent 3 requests ; Certified mail to resolve these issues with no prevail. Experian is violating my rights by continues to report inaccurate information to my credit profile. 

First Request : Certified Mailed ( XX/XX/XXXX ) - I requested an open investigation of all of the inaccurate information that was reported to my credit file. ( As a result, I expected the information to be removed updated accordingly ) Results of the dispute : Verified Second Request : Certified Mailed ( XX/XX/XXXX ) - I requested a reinvestigation of the first dispute due to the fact that the information was still inaccurate and continue to report on my credit report according to an independent investigation. ( As a result, I expected the information to be removed updated accordingly ) Results of the dispute : Verified Third Request : Certified Mailed XXXX XX/XX/XXXX ) - As a follow-up to the second dispute ; I requested specific detailed information with a specific request and outcome. I requested written verification of accuracy, in conjunction with my dispute of the inaccurate accounts. 

1. Who verified these accounts?

2. How were these accounts verified?

3. Provided me copies of ALL original documentation ( s ) on files such as contracts or legally binding agreements ( as proof ) with my WET signature on it correlating to the disputed accounts. If you UNABLE to provide me a copy of ANY original documentation I request for these items to be REMOVED/DELETED from my Credit Report immediately Experian has failed To provide me with any information I requested while continue to report inaccurate information to my credit file.
Consumer complaint received 2021-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I FILED A DISPUTE LAST XX/XX/21 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 55 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (TX)

On XX/XX/ there was two fraudulent charges to my Paypal card which I use through my online stores. I was sent an email from Paypal stating that I had suspiocious activity, at the same time these two chrages came through- they were in the amount of {$460.00} and {$220.00} - both to XXXXXXXX XXXX XXXX I called them and they agreed and took them out of my account. On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  ran them back through - I called Payapl immediately and they said " not to worry '' they would be stopped. The next day, XX/XX/XXXX, Both Charges hit my bank and overdrew me! On that same day XX/XX/XXXX, I had a sale from one of my stores for {$180.00}. After they took their commission I should have received {$150.00}. Instead of giving me the money they owe me, they took that against the {$460.00} that was - as they agreed - a fraudelent charge! They have now refused to give me back my money which is in the amount of {$150.00}. As a side note- they wanted me to wait a couple of weeks to investigate further before they would credit my bank account for the {$460.00} and {$220.00} - inwhich I would have to come up with the {$680.00}! I called my bank ( XXXX ) and filed fraud charges. Paypal then said that - '' There's nothing they can do! '' I want the money from my sale of {$150.00}. It is mine and they, Paypal stated that both of those charges to XXXXXXXX XXXX XXXXXXXX was fraudulent!