davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (CA)

These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened:XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00}
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I didn't give the said Debt Collector consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes.

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt.

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of XXXX years.

The said Debt Collector need to understand this is also aggravated identity theft 18 USC 1028A I'm demanding for the alleged debt entry to be deleted and removed from ALL CRAs effectively immediately.
Consumer complaint received 2022-07-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (NY)

On or about XX/XX/XXXX, my car, a XXXX XXXX XXXX was paid off. On XX/XX/XXXX Credit Acceptance took an additional car payment from my bank account. { after it was paid off } I have yet to get my money back. I have called several times to no avail.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have a dispute with Experian and a credit card I never opened by XXXX XXXX on XX/XX/2022. The account shows closed on XX/XX/2022 after I called XXXX XXXX disputing the account, but never should have been opened in the first place. 

I have multiple disputes with XXXX. There is an address and phone number that is not mine requested on XX/XX/2022. In addition there was a hard inquiry by XXXX XXXX XXXX XX/XX/2022 with the same address and phone number that does not belong to me. I called XXXX XXXX XXXX XXXX fraud, but this is still on my XXXX account XXXX Also the same XXXX XXXX account opening and hard inquiry on XX/XX/2022 and account closing on XX/XX/2022. 

I would like these cleared up and removed from my credit reports.
Consumer complaint received 2022-07-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc. (NC)

Back in 2018 i moved out my very first apartment in XX/XX/2018 my lease was ending in XXXX and the rent was XXXX when i was leaving it was agreed upon with the manager at that time that if i turned in my keys XX/XX/XXXX by like XXXX or XXXX then they wont consider it a breach since my lease was almost over. we live in a military town! one of the biggest so if you dont move when you can you will not be able to due to over population. i didnt want to stay due to countless of times my rent was never " received '' and we paid by money order in person. which never made sense to me. and sometimes i had to pay double rent just cause they say theres no record. i wasnt the only tenant with this problem and they was upping our rent as well so a few of us moved around the same time to another neighborhood. it got to a point i was getting behind other bills and sometimes had to suffer with no lights or phone due to it and i was a new mother. my daughter wasnt even one yet. i was young and it was my first ever place so i took there word! never knew about getting stuff in writing for documentation at the time but now i do. I was never informed about fees and of course i never got my deposit back which was expected! just last XXXX, i got a notification from credit karma about a new debt collection. at first it never said anything except the debt collection agency. it took months to even figure out what it was. i contacted them to let them know and they said " they doubt anybody would tell me that '' they are now under new management and also controlled by a computer! And now its states i owe about XXXX to them which dont even make sense! they just said a clean up fee which wouldnt even be that much and my rent was only XXXX as well. recently i been trying to move to relocate for work and my lease is almost up and i cant even do that cause of this. the disputing multiple times wont even work and im running out of time. i live too far from my job and not getting any resolution on this
Consumer complaint received 2022-07-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (VA)

In XXXX I could not pay on this loan. I used family to stop Navient from harassing family members and individuals around me, including my job. However, my support system has passed away during the pandemic, as Navient knows since one member was an actual co-signer on a loan. I can not pay on this loan, and Navient knows this. I do not want them to contact anyone except for me about this debt. They do not need to contact the 3rd party as they have my cell and email and have contacted me on previous occasions. I can not pay this debt and will not be able to in the future. I am demanding that Navient only contact me about this debt. I am well aware that this loan is headed towards default and its nothing that I can do about it. I am ready to face the repercussions of such actions. Thank you!
Consumer complaint received 2022-07-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

My Coinbase account was hacked on XX/XX/2022 while I was on vacation with my family. The individual funded the account through my XXXX XXXX XXXX debit card in the amount of {$2700.00}. Then the individual withdrew the funds in two transactions. The first occurred at XXXX XXXX in the amount of {$2400.00} and the second transaction occurred at XXXX XXXX in the amount of {$330.00}. These funds were sent to a card ending in XXXX. 

I have been trying to resolve this issue with Coinbase for more than a month and they have not helped me. I have emails in which I showed them these transactions occurred. I have called them once a week for a status update and they just say that the case is under review. The current case # is XXXX. 

XXXX XXXX XXXX did not refund me the money that was stolen from me since they want to see hard evidence that those transactions were not mine. I asked Coinbase to provide me the full card number and the name of the bank so I can personally go to that bank and report that card number so they know that individual committed fraud as well the local authorities can prosecute the individual. However, it has been more than a month and Coinbase has not helped me on the matter. XXXX XXXX XXXX  has a time limit on open fraud claim cases. If I don't get it within 60 days of the day of the claim date then they will close it. 

For informational purposes, I have been on the phone with them on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Can you please help me obtain this information from Coinbase?
Consumer complaint received 2022-07-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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. The following information therefore needs to be updated. 

1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end Aconsumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES For XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

3. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

4. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
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. (DC)

In accordance with the Fair Credit Reporting act 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. 

Pursuant of 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a credit report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This credit card I used to originate every consumer credit transaction below. They should be removed from my transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 14. 

XXXX
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (PA)

Good morning, My complaint is with TD Bank and their Banking practices. 


I made several ATM deposits into my savings account to ensure the monies would be available to cover my final payment for my auto loan. This was done on XX/XX/2022 However, on XX/XX/2022, TD Bank stated two of these were already cashed. Based on two mobile deposits made in early XXXX. The duplicate checks were deposited into my account ending in XXXX and instead of them making the adjustment from the account that showed duplicate checks they took the monies from my accounting ending in XXXX which is not connected to my XXXX accounts. 

This caused my XXXX accounts that already had monies available to cover debits allowed to be debited from this account they took these monies for the adjustments that should have been taken from the XXXX accounts. 

Now the XXXX accounts that had available funds that were allocated for debits were now taken for the adjustments causing the account to be overdrawn. Causing those debits to hit multiple timesrepeatedly rejecting, reprocessing, and charging one or more NSF Fees on the transaction before finally authorizing it and then charging an additional OD Fee on that item, the complaint charges
Consumer complaint received 2024-10-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Business Bureau (IL)

This company is trying to collect a debt I do not owe to them they also have damaged my credit which is illegal I did not claim I owed this debt nor have I ever had business with this company and under the fair credit act anything I did not consent to being reported to my credit my be deleted immediately and is also illegal
Consumer complaint received 2022-07-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One called me with a fraud credit card opened. I shut it down but they want a police report. The police will not do a report without a statement and account # from Capital One. I have had several calls with them and they say they can't provide that to me. But they are requesting a police report.
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MO)

On XX/XX/2022, {$2000.00} was stolen from my USBank checking account in a series of six transactions using XXXX Instant Transfer. I filed a fraud claim with USBank, but my bank failed to investigate properly and denied the claim. An appeal was subsequently denied as well after an equally ineffectual investigation. Multiple conversations with the bank during the course of these investigations clearly identified the fraud, but I was never able to get the actual investigator to call me, email me, or communicate with me in any way. This seems to me to be a very poor investigation method- to never talk with the affected party. 

This checking account had never been used previously for XXXX transfers in the 10+ years it had been in existence, and therefore these transactions were completely inconsistent with how this account had been used. Unfortunately, the account had been infiltrated by bad actors via a phishing message which is why they had our credentials and were able to steal our money. 

A police report has been filed and we have taken the extraordinary steps of closing all our bank accounts and creating new ones with new numbers and credentials. As anyone who has done this before can attest, this is a lengthy and difficult process which only further adds credibility to the fact that these transactions were indeed fraudulent. Thank you!
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

EQUIFAX 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  Charge OFF {$14000.00} I called the credit bureaus and sent in debt validation letters, disputing letters, and they told me that I needed to call the company who Im having an issue with. I called XXXX XXXX XXXX they told me that I have to keep it on my credit another year. 
I asked them to please provide copies of the legal notices and proof of the commercially reasonable manner of the subject vehicle. 
They did not provide me with that information within 14 days from receipt of this notice, the alleged claim of a deficiency is to be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

Under 15 U.S. Code 1681c-2 Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Under 15 U.S.C. 1681s-2 ( 8 ) ( E ) Under 15 U.S.C. 1681i ( 5 ) ( A )
Consumer complaint received 2022-07-27
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. (MD)

I disputed something with the credit reporting agency, after 30

days it has not been removed, which is a violation of 15 U.S. Code 1692 ( e ) ( f ) ( g ). I want this
deleted.
Consumer complaint received 2022-07-27
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. (KS)

Called multiple phone numbers, I never get transferred to XXXX. 
On XX/XX/2022 My credit score was XXXX. On XX/XX/2022 Experian decreased it by XXXX. WHY????????????? Nothing has changed. I still have 6 accounts, all accounts are paid on time, No account has been closed, No new accounts have been opened, My 3 credit cards are paid to ZERO balance every month. My debt has decreased on 3 student loan accounts. Once AGAIN! I'm filing another dispute against Experian for decreasing my score!!! I want my XXXX added back to my score! I'm pretty sure my credit score would be way over 950pts if I had all of my points back that Experian has stolen!!! 
I'm constantly disputing this HORRIBLE/DISHONEST/DISCRIMINATORY company!! 
My Credit Reports and Scores are EXCELLENT with XXXX and XXXX!!
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My parents transferred money from their Edd prepaid card to my Bank of America account, but they said my account did not have their name, so my account was frozen in XX/XX/XXXX. The total amount is XXXX XXXX Then they told me to close the account and the amount was reviewed and returned to me and my parents. I called countless times and did what they said. I got my first check about XXXX $ but the rest XXXX $ is still frozen until now XX/XX/XXXX. In the latest call, they said they were still reviewing but didn't have any information about it. 

I don't know what they're reviewing or why they haven't dealt with it for so long. 
The staff who answered the phone didn't know that and couldn't give me any information like documents or case numbers or when it would be resolved, just let me wait. 

I can understand why they froze my account, but I went to the bank for the first time to prove the identity of myself and my parents, and then did what they said. But I can't stand them freezing my and my parents ' funds for so long now.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (IL)

I went to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. XXXX. On XX/XX/XXXX, XXXX XXXX processed a XXXX XXXX payment of {$390.00} payable to Discover. The payment went through but a wrong account number was referenced. Discover received and cashed the payment ( According to XXXX XXXX and the XXXX XXXX ) I have been working with XXXX XXXX who is the supervisor ( XXXX ) XXXX and/or XXXX. Discover first requested a copy of the receipt which was provided. Then they came back requesting I tell them the account number the money was deposited to. I told Discover they would have the information, not me. I had a three-way call with Discover and the XXXX XXXX . Discover requested a routing number and the endorsement of who cashed the check. I have had to open 3-4 dispute resolution requests. Discover just keeps closing them and sending me a letter saying it has been resolved. Discover credited my account about 4-5 months later. In XX/XX/XXXX they placed the chargeback on my credit card saying they credited the account one too many times and I now owed them the original disputed amount. I have filed a complaint with the XXXX  and Discover refuses to budge.
Consumer complaint received 2022-07-27
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Halsted Financial Services, LLC. (TX)

Halsted Financial Services has violated several of my federally protected rights and I have notified them of such actions. Halsted Financial received my mail on XX/XX/XXXX and has failed to compensate me for each federally protected violations under the Fair Debt Collection Practices Act. Halsted Financial is in violation on 15 USC 1692a ( 2 ) as Halsted Financial Services used email, and postal service to communicate with me the consumer ( natural person ).

Halsted Financial is also in violation of 15 USC 1692a ( 4 ) as they stated that XXXX XXXX XXXX was the original creditor but the term creditor states that it is a person who offers or extends credit creating a debt so I am in fact the original creditor. 
Halsted Financial is in violation of 15 USC 1692d ( 2 ) as saying that I am in debt when I am in fact the creditor is obscene and profane language to me. 
Halsted Financial is also in violation of 15 USC 1692b ( 2 ) as it states that you can not state that a consumer owes any debt
Consumer complaint received 2022-07-18
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. (PA)

XXXXXXXX XXXX  is a fraudulent account. I have provided the identity theft report to the credit bureaus and they will not remove. Can you please assist with removing this account off my credit file
Consumer complaint received 2022-07-27
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. (AZ)

in the process of trying to get better credit and learn about credit applying for new lines of credit and also when I went into the car dealership I have acquired a lot of different inquiries. the inquiries are, 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