davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX XXXX sold my account to XXXX XXXX with full knowledge that fraudulent charges had occurred. 
back in 2015 I notified XXXX XXXX XXXX of unauthorized charges that I did not recognize on my billing statement. my card was shut down for protection and a claim was opened for this and a new card was mailed out. 
I never received a new card, no communication that an investigation was conducted or the result of said findings. I did notice only 3 small charges were credited on the statement. I continued to question procedures and further dispute. I was ignored and was continually pursued for charges that I am not responsible for. I refused to pay as I am not legally liable. XXXX XXXX then insisted that I owe them and charged off the account and sold it to a collection agency who has ruined my credit. after filing a dispute with the credit bureaus both XXXX XXXX and XXXX verified the data. XXXX XXXX has not supplied any records to me but XXXX XXXX continues to call me regarding the balance when they no longer have the account. its too late to request new investigation. XXXX does not have all the records.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NE)

OnXX/XX/XXXX, I had made 3 different transactions for {$100.00} each to 3 separate Crypto Currencies thru the website called Coinbase. I have been trying to reach out to the Coinbase contacts and no response. It is nowXX/XX/XXXX and I still have no money in my account on their website. It looks like thru other forum sites that I am not the only person that is having issues with getting deposits to work on Coinbase. Please help.
Consumer complaint received 2018-01-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (NY)

On XX/XX/XXXX, I sent a debt validation letter to Credit Bureau Systems INC, addressing my request for validation of the amount listed on my credit report that I recently received from XXXX  and XXXX in XX/XX/XXXX. Upon receiving a reply from " Credit Bureau Systems '', I began to research the company. Because I am XXXX XXXX, I am a legal resident of the state XXXX XXXX, though I reside in the state of XXXX XXXX temporary due to XXXX XXXX. The collections agency listed above, does not have licensing or bonds to report in the state of XXXX XXXX nor XXXX XXXX which is required by law as I researched both. Therefore, they can not request debt in a state in which they are not licensed.
Consumer complaint received 2018-01-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (TX)

AD ASTRA RECOVERY HAS CONTINUED TO CONTACT ME FOR A DEBT THAT THEY CLAIM I OWE. I HAVE SENT NUMEROUS LETTERS TO THE COMPANY ASKING TO RECEIVE DOCUMENTS SHOWING MY SIGNATURE AND AUTHORIZATION OF TAKING OUT A LOAN WITH THEIR COMPANY AND THEY HAVE CONTINUED TO NOT ACKNOWLEDGE MY LETTERS. THIS COMPANY IS REFUSING TO SUPPLY ME WITH DOCUMENTATION OF THE DEBT BECAUSE THEY DO NOT HAVE DOCUMENTATION TO PROVE THE DEBT IS VALID. THIS IS NOT THE FIRST ATTEMPT I HAVE MADE TO TRY AND RESOLVE THIS MATTER WITH CREDIT DISPUTES. I HAVE INFORMED THEM TO STOP ALL CALLS AND COLLECTIONS ATTEMPTS AND TO CEASE AND DESIST AND THEY CONTINUE TO VIOLATE MY RIGHTS AS A CONSUMER. THIS COMPANY HAS NUMEROUS VIOLATIONS OF FCRA, FAIR DEBT COLLECTION PRACTIVES, AND TCPA. I AM REQUESTING THAT THE CFPB INVESTIGATE THEM AND THEIR PRACTICES.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Yesterday, I made a transaction using XXXX to give money to my friend. My payment was rejected on grounds of fraud and I was on hold for more than 30 minutes to speak with a banking associate. 

After getting on the line, the agent proceeded to ask me questions about who this purchase was going to, whether I had met this person or if I knew the purpose of the expense. 

I explained to the agent that this was someone I knew and that we were exchanging funds for a ticket purchase. 

Throughout all the years I have had XXXX, my transactions never resulted in fraud transactions. I'd like to know why this has changed and whether or not Bank of America is unnecessarily targeting people with my name as those predisposed to commit fraud.
Consumer complaint received 2018-01-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (FL)

I am filing this complaint because Phoenix financial has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. I have requested for the original contract papers with my signature to prove this debt is valid. It has been well over two weeks and I have yet to get a response.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On XXXX XXXX, 2017 I spoke with XXXX, XXXX, and Transunion about unauthorized inquiries placed on my credit report under the security breach they were removed and placed back on to my credit report without my knowledge
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2018-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This letter is a formal complaint against XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I 've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 
For one, I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it 's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 

For two, there are three accounts, in particular which they just refuse to investigate ( XXXX XXXX, XXXX & XXXX XXXX ), yet they turn around and tell me that these accounts were verified by the Creditor. However, I 've contacted the creditors and they have no record of a dispute verification request from this or any other agency regarding an account for me. 

For three, I 've actually disputed with XXXX XXXX several timesdirectly who simply refuses to validate the debt they claim I owe as requested per the FDCPA. I 'm even in dispute with them via the Better Business Bureau. And I 've sent every piece of proof that both XXXX  and TransUnioncould possibly need to correct this erroneous information on my credit report yet they refuse to do so. 

That being said, I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files becausethey continue to report erroneousaccounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they 're simply ignoring theproof that I 've sent them.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX  helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WI)

On XX/XX/XXXX, I authorized a PayPal purchase from XXXX XXXX in the amount of {$86.00}. Previously learning from a PayPal representative that I must manually go into my account to switch the payment method from my checking account BACK to my preferred method of PayPal Credit, I did so, so the purchase would post to PayPal credit. When I checked my bank account, PayPal had deducted the purchase from my CHECKING. Upon calling PayPal because I knew I manually switched the payment method to the credit option, the representative confirmed that I did go in and change it, but PayPal switched it back because, basically, THEY wanted to. PayPal negated my choice and just took money out of my checking account without the authorization from me for this purchase. This is the SECOND time they have changed my payment method without my consent.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TX)

XXXX or XXXX, XX/XX/year> and previously. On my app it showed that my account was in the negative. I went to deposit money in the account to cover the negative plus my paycheck was to be deposited the next day. I was still charged a overdraft fee and was told because it wasn't in there by a certain time it still didn't matter that the money was deposited into the account and it stated pending. I have been with Regions for XXXX years with direct deposit. 
Several times I was charged XXXX overdraft fees within a day or XXXX apart. {$100.00}. XXXX in overdraft fees, Is out over the top. {$36.00}. XXXX each day. I was told the bank is allowed to do at least XXXX overdraft fees. Also when you make a debit purchase it takes XXXX or 4 days for purchases to clear and you think you still have the money in the account. They did away with checks claiming this would help resolve that problem and having the card is really no difference. Life sometimes is a struggle and when having extra money taking away makes it even more difficult.
Consumer complaint received 2018-01-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SLM CORPORATION (FL)

The XXXX XXXX XXXX site will not allow me to login to my account. There is an error with the system either timing out while trying to log in or it has an issue with cookies. The site locks you out of your account ( even after allowing you to go through layers of verification- which have to be correct or the system does n't let you proceed ) and there are no protocols in place to unlock the password or account on the weekends. 

I am buying a home, and keep my money for appraisal/inspection/insurance in this account. I will now be unable to access the account to set up a transfer in any capacity until Tuesday, potentially causing my student loan payments to now bounce since I 'm on auto pay and and was assuming I could ... You know, access the money in my account to help cover the XXXX $ appraisal I went ahead and paid for. 

No way to access to my account or money for three days or a bank with no physical presence being closed for that long should be illegal.
Consumer complaint received 2024-10-05
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: Experian Information Solutions Inc. (NC)

I contacted Experian explaining that show the same account reporting twice when they said this account was verified and accurate which wasnt lvnv is reporting account and also the original company is also reporting this information charges showing on consumer reports is showing {$1400.00}
Consumer complaint received 2018-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

I was trying to send money from my XXXX USD wallet to my bank account but TD bank did n't allow me to access my account and when I called the first time the customer service representative did n't really know what was the issue and recommend opening an account with another bank. The second time I called another representative told me that they did n't know what was going on and that I should consult with XXXX.
Consumer complaint received 2018-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion has reported a Lien on my account. 

The Company in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX. filed a lien on a fraudulent charge made in XX/XX/XXXX with their client XXXX XXXX XXXX in amount of {$940.00}. 

This merchandise was purchased by an individual in XXXX, Fl. I do not reside in that area of Florida. The original purchase took place on XX/XX/XXXX and my first notice of the lien was on a credit report dates XX/XX/XXXX. 

I have never received invoices, statements or advise of Lien from the parties involved.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (IA)

An improper XXXX charge had been removed from my credit report twice, and hours had been spent on the phone. XXXX years later, Jefferson Capital Systems submitted the same bogus claim to the credit bureau, leaving me no recourse. I thought the matter had been finalized, so I no longer have the documentation I had then. The only documentation I have is the XXXX XXXX below with the date that can be seen online. 

XXXX - XX/XX/year> I usually don't post on XXXX, but I have just run into the most horrendous customer service I have experienced in my life and need to warn anyone who will listen that you need to compare service options and leave XXXX XXXX as soon as you can. 
I had been a XXXX customer for as long as I can remember. Over 20 years. I had an eight-gigabyte plan and started running over my minutes listening to music in my car. I called to find out how much an unlimited account with XXXX lines would cost. I was paying {$120.00} a month for the eight-gig plan and was amazed to find out it would be a little over {$100.00} a month for the unlimited plan. I then found out the unlimited plan had been cheaper for a long time. I still don't know how long. 
I made a quick comparison and found a XXXX unlimited data plan for {$70.00} a month. After several transfers and over an hour on the phone, I finally got my XXXX XXXX disconnected, and they told me I would be getting a check for {$2.00} for the balance of my prepaid month of service. 
I was surprised to find my automatic billing had been charged the next month for the full {$120.00}. I tried to log in online to customer service, but I couldn't log in because I didn't have an account. I called customer service, and since I didn't have an account, I couldn't get through to a customer rep. I call sales, and they sent me to customer service. Customer service agreed with the charge needing to be reversed and sent me to finance. Finance told me that they could reverse the charge but couldn't stop me from being billed again. WHAT??? Hours of my life I am not getting back. 

I dispute the charge on my card, and the credit card company credits my account. This month, the charge shows up again, another hour on hold, another complete runaround, and a waste of time, and I'm so angry that I hang up before I take it out on the poor customer service rep who is trying to do her job for a company that hasn't a clue. 

I call the credit card company, and they agree to send a letter to XXXX requesting to stop the charges and block them from rebilling me. I am saving all my documentation because I have now gotten a late notice and a threat to report me to the credit bureau. 
The moral of the story could be to keep letting XXXX rob you and never leave because they will make your life XXXX for going, or you stand up to the incompetent, corrupt bastards and find a better deal. The choice is yours.
Consumer complaint received 2024-10-05
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/year> and a balance of {$21000.00}. In accordance with the law, my rights have been violated. Late payment reports to your consumer report is illegal. In 15 U.S.C. 1681a : Definitions and Rules of Construction ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681 5 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions are not included in the report and the request to is to remove late payments. in addition there are huge payment discrepancies between the 3 consumer reporting agencies. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate my consumer rights have been violated pursuant 1681. Procedure in case of disputed accuracy ( a ) ( 1 ) ( A ) states If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) Treatment of inaccurate or unverifiable information, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.
Consumer complaint received 2018-01-13
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. (MO)

I have been disputing accounts that are not accurate on my credit reports. Not only was I a victim of fraud many accounts where opened in my name. I asked XXXX to remove a Public record reported in error they verified then removed it placed it back on my credit without notice. I called the bankruptcy courts & public records they advised me they do n't report to the credit so they did n't place it on there. I also asked then to remove all inquiries that did n't have accounts attached to them due to the stolen identity no changes. I also have addresses I have never lived at on my report. They have also deleted accounts & placed them back on the credit reports again.