davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

Commencing on or around XX/XX/2017, I fell victim to a multilayered scam operation orchestrated by XXXX, XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase account to fraudulent investment firms. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Coinbases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Coinbase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Coinbase was in compliance with its own policies and procedures ; ( v ) whether Coinbase owed duties to myself, what the scope of those duties was, and whether Coinbase did not uphold those duties ; ( vi ) whether Coinbases conduct was unfair ; and ( vii ) whether Coinbase has within its power the ability to, and should, compensate me for the harm that has befallen me
Consumer complaint received 2016-10-04
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings (NM)

Speedy Cash charges 392.591 % and I will loose hundreds of dollars on this loan. They put all of the interest up front and when I make a payment. They mislead you when you try to talk to them and then they lie when they say they never receive my email communication. My partner has a loan as well and they did n't put all of the loan and interest up front.
Consumer complaint received 2023-07-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: United Revenue Corporation (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX HAS REPORTED THIS INFORMATION ON MY CREDIT REPORT. THER ARE DISCREPANCIES AND THE COURTS HAS ADVISED THEY HAVE NOT REPORTED ANY INFORMATION AND IM DEMANDING IT BE REMOVED!
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I DO NOT RECOGNIZE THESE COMPANIES THAT ARE ON MY CREDIT REPORT, THIS IS CONSIDER IDENTITY THEFT IF I DID NOT GIVE CONSENT TO USE MY PERSONAL INFO.
Consumer complaint received 2016-06-03
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (WA)

I received a letter from Barclay Bank regarding a XXXX XXXX XXXX XXXX I once had. This card was paid off in XX/XX/XXXX and cut up. The letter I received indicated my " account '' was 90 overdue and the had " closed '' my account. I had no idea a charge was made against this account as I had received no phone calls or letters previous to this. I initially thought I was a victim of identity theft so I called the number on the letter and only got a recording in which I could give and receive my account info which indicated the account was closed and I had a balance of over {$160.00} I was alarmed to I managed to find my old access code and password to the account and went in to look at what had occurred on my account. What I found was a XXXX XXXX annual membership charge in XXXX, XXXX of {$25.00}. I checked with my XXXX XXXX XXXX online merchant site account and it indicated there was NO default payment listed. I emailed Barclay Bank indicating I had not be made aware of this charge via a statement. I forwarded a payment immediately for the {$25.00}, explaining the situation ( which I have copies of ) and they responded by telling me basically " it was n't their fault '' and they " can not wipe out the interest charges ''. I have an excellent credit rating ... last checked was XXXX and I am never late on any account. I am mortified about this ding on my credit which I feel was not my fault. I feel a charge was made to this account without my knowledge and was purposely held back to accrue all these late fees before notifying me by mail of the issue after 90 days. Also, I suspect the originally XXXX XXXX XXXX XXXX has expired and therefore any new card was never activated so how was this charge accepted in the first place? I only want the interest charges removed and any dings these people have made to my credit score repaired. I definitely feel I am a victim here and Barclay Bank is refusing to work with me on this. How was I suppose to pay an account charge on an account I had n't used in over 3 years without even knowing the charge had been made? 
'
Consumer complaint received 2016-04-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (CO)

Covenrgent outsourcing is attempting to collect a debt that they clam is from XXXX XXXX, in XX/XX/XXXX. They sent me false documents of a bill from XXXX, with an address in XXXX, Colorado. I have not lived at that address since XX/XX/XXXX. I want them to stop contacting me and stop attempting to collect this false debt.
Consumer complaint received 2023-07-14
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. (TX)

XXXX XXXX XXXXXXXX XXXX This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report accurate, consistent and up to date please " DELETE '' this item immediately : XXXX XXXXXXXX XXXX XXXX When the requested above deletions are made, please mail me an updated copy of my credit report. This account has been reporting on my credit report in over seven years it should have been dropped off, but still being reported as a charge off
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Someone opened an account in my name and now has defaulted on the card. I had no knowledge of this account until i applied for credit and found out XXXX XXXX
Consumer complaint received 2023-07-12
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. (AZ)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-07-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA (FL)

This complaint involves Marcus /Goldman Sachs XXXX XXXX XXXX XXXX ) headquartered in NY . I had XXXX investments there. A savings account and a {$200000.00} CD 2 year term. 

On XX/XX/2023 I informed them ( By phone ) I wanted to close the CD and roll that balance into that savings account. I asked the customer representative what the CD early closing penalty was because they did not provide a copy of the CD or any other documentation when I opened it that would have provided that information. I was informed that the early termination penalty was {$1000.00} dollars and I agreed on the transaction. 

In 3 days I check my online account to discover that they penalized me {$1800.00} dollars instead of the {$1000.00} they told me. I called them several times trying to resolve this ( refund the extra XXXX dollars ) .They reviewed the telephone conversation and said " yes she made a mistake '' But refused to fix this saying theres nothing we can do. They refuse to give me access to the recording as well. Three supervisors were contacted and all they did was read me the case notes. I would not have made this transaction if they had provided the right information. I want to get a fair resolution to this as they made the mistake causing me to make this investment with bad information..
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-02-07
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

Kohl 's XXXX is calling my home number under several different numbers and the caller ID indicates it 's either " toll free '', " unknown name '' or " XXXX '' and each number is different. 

They will begin the day at XXXX XXXX. calling from a Kohl 's XXXX number XXXX. Then again on that same number @ XXXX XXXX. Then they call with " toll free call '' @ XXXX XXXX XXXX. " Unknown name '' @ XXXX XXXX calling from XXXX. " Toll free '' @ XXXX XXXX XXXX. " XXXX @ XXXX XXXX. XXXX. XXXX @ XXXX XXXX XXXX. " Toll free " @ XXXX XXXX XXXX. XXXX @ XXXX XXXX. " XXXX @ XXXX XXXX. " Toll-free '' @ XXXX XXXX XXXX. " XXXX @ XXXX XXXX XXXX. " Unknown name '' @ XXXX XXXX. XXXX. 

This has been going on for months. It begins at XXXX XXXX and does n't stop until XXXX XXXX they also use an ID " XXXX XXXX " I get mail correspondence from them. I know I owe them, but to make me get to the point that I do n't answer my own home number to ANYONE is ridiculous. Harassing me is n't going to get this bill paid any quicker. What will eventually happen is that I will get fed up by the constant calling and shut off my home number. Unfortunately, I have a XXXX XXXX XXXX mother that I have to have it for in case of an emergency because I do n't get good signal on my cell. So Kohl 's is pushing me into a corner.
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I got XXXX collections on my transunion report that was deleted between XXXX XXXX and XXXX of 2017 and reinserted without prior notice and XXXX credit inquiries that was deleted and reinserted without prior notice, called them to solve the problem but they said they can not do anything.
Consumer complaint received 2023-07-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Professional Debt Mediation, Inc. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! 



By law Delete all incorrect information and accounts listed in the document below from my consumer report immediately as it is hindering me and should not be reported on to my consumer report and violates several laws under the FCRA and FDCPA.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Two years ago I got my social security number. I went to XXXX XXXX XXXX Bank to open an account and I found out that I had already had a very good credit history. The bank employee gave me a copy of the transaction from XXXX specifying that she can not give me the name because of confidentiality. I told to her that it was impossible because I came to XXXX in XXXX and I just got my social number, and she sent me back to the social security XXXX to clarify the situation. There, they told me that it is a brand new number and I should be able to use it. So, I went back to the bank, I explained the situation and they opened an account for me. Also, I asked for credit score to XXXX and the other XXXX companies accredited by government but I could not get any. The answer was that : The social security number I gave them does not much the identification information in their database. I submitted all the information that they asked for, but they could not issue a credit report for me. In addition, I called the Social Security fraud line and reported my problem. 
As I 'm still studying and not working I did not apply for a credit or credit card in the last two years. However, today when I called to be co-applicant on gas and energy accounts with my husband, the lady on the phone told me that there is a problem with my personal information and I have to send a copy of my ID to confirm my identity. 
After this, I tried to get an annual online report but the answer was : Based on the information that you provided, we can not find a matching credit file. 
Finally, I called the Consumer Protect Bureau and I was advised to fill the complaint online in order to fix my problem.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I banked with Bank of America and they over charged me regularly with overdraft fees and I want part of that settlement. I banked with them for years.
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Columbia Recovery Group LLC (WA)

I never received written notice of this debt from the company and never got the opportunity to dispute or validate the debt within the 30 day grace period. The collection account never showed up on my credit report as well, yet now they are charging me for legal fees for a court summons, but I have yet to see any paperwork for the court summons.
Consumer complaint received 2023-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-14
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. (TX)

I purchased a vehicle from XXXX XXXX XXXX XX/XX/XXXX financed through XXXX XXXX. All payments were made on time through the payment portal on XXXX XXXXer instructions from the dealership. 
When attempting to make the payment for XX/XX/XXXX the website for XXXX re-routed me to a website XXXX ; not knowing what this site was, I did not input any information. I began to reach out to the dealership and company to inquire about the website rerouting to find out the following. 
1- The dealership that I purchased the vehicle from was no longer in service and not at the location I purchased from when I attempted to visit the dealership for answers. ( I am unaware as to when the dealership closed. ) 2- I began to call the number and email the website listed on my Credit report for answers ( no other contact information was ever given for XXXX XXXX ), no response has been received. Currently the XXXX XXXX website is not an active website and emails for XXXX XXXX come back as undeliverable. 
I then filed a complaint with the XXXX XXXX XXXX  XX/XX/XXXX and their investigation yielded no response from the financial company XX/XX/XXXX. 
Someone called me on XX/XX/XXXX stating they were a representative of XXXX XXXX and I allowed a one-time payment over the phone, no receipt was ever received. However, I have my bank statement to show the transaction. Then without consent or communication, they processed a payment without authorization on XX/XX/XXXX to my credit card. I attempted to contact the company again, as well as attempted to log into the XXXX account to pay my XX/XX/XXXX bill, but the system does not recognize my information and again I began to reach out to someone at XXXX XXXX for assistance, I have yet to receive a response. I also called the XXXX website provider for assistance, and they have no record of my account or vehicle information in their system to assist with access and payment. 
I was never given any communication about the dealership going out of business or any changes that were being made to the payment system or website as well as instructions for the new platform or reporting structure. I have never received any communication from XXXX XXXX after several attempts. I have never received any communication from the company. I am requesting the company to send all information related to my vehicle lease. As well as instructions on how I am to obtain the title information once payments are completed. 
It has also just come to my attention that the company is now reporting negative late payments in my credit report. XXXX XXXX has not provided any information for customer support. XXXX XXXX has yet to respond to any communication attempts from myself or XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-07
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Bliksum, LLC (CA)

The alleged law firm that is n't licensed in California called me at work and on my cell phone threatening to sue me. When I told him I would call him back because my debts are with debt management company, he would not give me his information. He would not give me any information other than the amount I owed on the payday loan with 99 % interest ( yes, 99 % interest ).
Consumer complaint received 2023-07-12
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: WELLS FARGO & COMPANY (TX)

Dear CFPB, I am writing to file a complaint against Wells Fargo Bank for their failure to address my dispute. 

This bank continues to shift the blame onto me, claiming that I did not provide specific information. It is clear that Wells Fargo completely disregards the oversight of the CFPB, which is an act of defamation towards the regulatory authority. 

I would like to reiterate that during the initial dispute submission, I provided them with all the necessary information regarding the issue. The bank pretended to address it by saying they would submit the complaint on my behalf, but the status remains in awaiting information. 

At this point, I not only suspect that Wells Fargo is the worst bank in the United States, showing complete disregard for customer complaints and third-party oversight, but I also believe that this bank may be on the verge of bankruptcy. They simply lack the capability and resources to handle disputes. Why do I say this? I have colleagues who are credit card users of XXXX and XXXX XXXX XXXX. When comparing their experience with Wells Fargo, it is evident that this bank is extremely inadequate. 

I urge the regulatory authorities to closely monitor this bank and protect the affected customers before they go bankrupt. Considering the banks performance, it is highly likely that they will face bankruptcy in the current challenging economic climate!
Consumer complaint received 2023-07-14
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: Experian Information Solutions Inc. (OK)

I have recently received a copy of my credit report on XXXX XXXX and to my surprise I noticed that Account XXXX XXXX XXXX  with Account number XXXX has been added back after deletion. I disputed the inaccuracy of this account before on XX/XX/2022 and the account was removed due to being inaccurately reported on my credit report. I am confused as to why this item has reappeared on my credit report. Under the FCRA ( Fair Credit Reporting Act ) an item can not be reinserted onto my credit report without written notice by a credit bureau to me within five business days of the reinsertion. I have received no such notice and would like for this item to be deleted again as this is a violation of my rights.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Despite exhaustive efforts and substantial evidence of identity theft provided to Experian, XXXX, and XXXX, the fraudulent accounts listed above remain on my credit reports. This inaction violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically the obligations to conduct a proper investigation and to correct inaccuracies.
Consumer complaint received 2016-04-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am filing a complaint about Transunion, because they failed to provide me with the documents that they have on file, with which they used to verify and validate accounts which I have disputed. 
After 30 days TRANSUNION responded frivolously. -Section 611 ( 5 ) ( A ) of the FCRA states that credit reporting companies must " promptly delete all information which can not be verified. '' Please help with resolution to this problem. Thanks.