davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NM)

Hello, I have been a victim of an online scam. I need your help to bring them to justice. This person used this name ( XXXX XXXX XXXX, she changed her name to ( XXXX XXXX XXXX or ( XXXX XXXX XXXX after she was done taking my money. She contacted me through social media and had me use XXXX to chat. This is the number she used ( XXXX ). I believe she is still using that number to scam other people. XXXX should be able to tell us who she/they are. She told me that I could make money through an investment platform called XXXX. Which was probably a fake website. She slowly built my confidence up using the platform to show me how it worked and then she put a lot of pressure on me to take out several loans and use my personal savings of ( {$100000.00} ), and I also took money out of my XXXX ( {$110000.00} ). I put the money into the XXXX system. They made believe that I had made a bunch of money on the platform ( {$800000.00} ). When I tried to withdraw my money they would not let me. They said I had to pay taxes on the money I made and would not let me withdraw my money. Please help me recover my money. She used the App Coinbase XXXX to take my money and put it into XXXX XXXX exchange ( Fake website they set up ). My Coinbase XXXX XXXX account ID is ( XXXX ). I need you to ask Coinbase what bank or account did they have me send my money to. Then ask that bank to give the money back from the scammers account. There is no money in my Coinbase account for them to return my money so please dont ask them for the money. Make Coinbase tell us where the money went. I have uploaded just some of the screenshots I took during the process. Let me know if you need more. 
Thank you for your help! 
XXXX XXXX XXXX These are the web addresses they used to steal my money. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY (FL)

I have a business checking account with TD Bank and received several Business Credit Card Offers in the mail. When I tried to open the account online in XX/XX/XXXX I repeatedly received server error messages. I called was told to just go to the local branch. The offer included 0 % APR on purchases for one year and now when I received my 2nd statement I see I was charged 23.99 % interest. I called on X/X/2017  they tell me because I opened the account in the bank instead of online I did not get the 0 % APR. Between checking and savings I have over {$15000.00} in TD Bank earning zero interest. I would never have carried a balance If I knew I would be charged interest. They tell me I need the original offer to receive the 0 % APR.
Consumer complaint received 2017-09-07
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: Bread Financial Holdings, Inc. (PA)

I had applied for a Total Rewards Visa Credit Card through Comenity Bank located in Ohio. I called and spoke to a representative over the weekend either Saturday, XX/XX/XXXXor Sunday, XX/XX/XXXX to find out more information about a balance transfer to another credit card. XXXX, the representative who I spoke with was not too knowledgeable about providing me the accurate information and, although I started with applying for the balance transfer I requested that he wouldnt put it through until I confirmed the mailing address for my credit card company. I thought he understood what I said and that he was not going to process the transfer. However, when I checked my Total Rewards Credit Card account over the weekend I found that my account was charged. I called and spoke to another representative, XXXX, who spoke very quickly and she said that she was going to send an e-mail that if the balance transfer did go through to ensure it was sent to the mailing address I provided for my credit card company. Apparently, if she would have read the notes she would have found that XXXX sent it over to the Balance Transfer Department to cancel the request.
This morning ( XX/XX/XXXX) I called and requested to speak to a supervisor and I got connected to a very rude woman, named XXXX, who was allegedly a resolution specialist. She said that they would not be able to provide any further information for at least ten ( 10 ) days as to what the status is of the balance transfer. This is ludicrous because it is my responsibility to pay my other credit card and right now I am in limbo as to what I should pay since I do not know if and when the balance transfer is going to be applied to my credit card.
I want to escalate this complaint to someone at Comenity that is knowledgeable and cares about their customers.
I would like to know what kind of people Comenity employs that are dealing with other peoples monies? I am the innocent customer who now has to deal with the mistakes they have made at Comenity, which is certainly unfair and unacceptable to say the least.
I also have filed a complaint with the BBB of Ohio and am still in limbo as to the status of the balance transfer which should have been cancelled but, to my knowledge, is still showing as a pending charge on my account.
Consumer complaint received 2023-05-04
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. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX Date opened : XXXX XXXX, 2022 Balance : {$200.00}. Please update ASAP.
Consumer complaint received 2024-09-25
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. (IA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2021-04-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

CHARGES TO MY ACCOUNT HAVE OVER 30 90 MINUTE CAPTIONING TRANSCRIPTS OF TELEPHONIC COMMUNICATIONS WITH BANK OF AMERICA I ( HEREIN AFTER AS " BOA '' IN REPORTING FALSE NARRATIVE INVOLVING XXXX ( XXXX ) ENTITIES # XXXX ENTITY : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX AUTO REPAIR ) DUE TO THE FAILURE OF " BOA '' THIS REPAIR SHOP CRIMINALLY SCAM ME OUT OF THOUSANDS IN " CLAIMED '' AUTO REPAIR -MUCH OF THAT WAS NEVER DONE BOTTOM LINE " BOA '' DID NOT WITH THERE XXXX CASE NUMBER ( FILES ) XXXX XXXX XXXX AFTER XXXX YEARS OF LITIGATION HAS AN XXXX JUDGMENT AGAINST SAID ENTITY. 
ALL CHARGES TO THE ACCOUNT SHOULD BE DELETED TO INCLUDE INTEREST. 

ENTITY TWO : XXXX XXXX ( CAR ) CAR WAS IN AN ACCIDENT WHILE WAITING FOR THEIR LOT TO OPEN -LESS THEN A BLOCK FROM THEIR LOCATION AND COULD HAVE BEEN IMMEDIATELY CLAIMED BUT DOLLAR THOUGH ADVISED DAILY TOOK 3 DAYS TO RECOVER CAR. DOLLAR HAD IMMEDIATE ACCESS LITIGATION WAS FILED & THEY FILED BANRUPTCY THAT DERAILED TRIAL. 
" BOA ' ALLOWED DOLLAR TO CHARGE {$350.00} TO CREDIT CARD FOR 1 DAY RENTAL. THERE IS NO ENTITLEMENT FOR 3 DAYS
Consumer complaint received 2024-09-25
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. (AZ)

This account was charged on the following date : XXXX Since then, the account has repeatedly been updated charged off every month. This is an update in the payment history. A charged off account should not include in active payment history. This inaccurate information falsely manipulates the status of limitation investigate this account properly after I asked you to do it twice and your neglect has violated demanding a deletion of the following account name XXXX XXXX XXXX XXXX Balance {$3700.00}
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CT)

Citibank owes me approximately {$310.00} in rewards. They will only release it via check sent by regular mail, which I never receive. I spent 2 hours on XX/XX/21 w/ Citibank customer service to request that they either credit the rewards to my account ( I don't owe anything at this time ), or send it via 2 day mail so it can be tracked. They refused but could not say why, said only the corporate side knows. They promised on XX/XX/21 to have someone from corporate call in 48 hours, and said they would issue the check via regular mail and I would have it in 7-10 days. It's now been 2 weeks ; no one from corporate called, and I never got the check. I called customer service again today ( XX/XX/21 ) and spent an hour on the phone, & was told by XXXX XXXX XXXX that they don't know why the amount can't be credited to my account or mailed in a trackable way, & said they were stopping payment. I don't know if they reissued. They transferred me to XXXX in the XXXX XXXX unit in XXXX XXXX. He said he did not know why they can't credit the amount to my account or send it in a trackable way, he said I should ask customer service. I told him customer service said they don't know & transferred me to him. I feel like they are hoping I give up and not get the money promised to me. I have had this card for 29 years & it is a recurring problem everytime, and they won't help me resolve it.
Consumer complaint received 2024-09-25
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. (AZ)

This account was charged on the following date : XX/XX/XXXX  Since then, the account has repeatedly been updated charged off every month. This is an update in the payment history. A charged off account should not include in active payment history. This inaccurate information falsely manipulates the status of limitation investigate this account properly after I asked you to do it twice and your neglect has violated demanding a deletion of the following account name XXXX XXXX XXXX XXXX Balance {$4500.00}
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I submitted disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. In my letters, I specified the accounts in question and outlined the violations being made against my consumer report. It has now been over 30 days, and I have not received a response. Attached are copies of all the letters I previously sent. 

This company has violated FCRA 623 ( a ) ( b ) by failing to mark the disputed account as " disputed. '' Additionally, FCRA 605 ( c ) has been violated, as the account is reporting the incorrect " date of last activity. '' It should reflect the last date a payment was made, not the date of the account 's last activity.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Last Reported XX/XX/year> - BALANCE {$3600.00}
Consumer complaint received 2017-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MO)

I have been disputing Midland Credit Management aka Midland Funding LLC since XX/XX/XXXX/ XX/XX/XXXX of this year. I utilized XXXX and seen that I initially had ( 1 ) collection item listed from this company. I immediately took action disputing the validity of this account, asking for verification, and proof that they attempted to contact me prior. The company never provided any documentation and then proceeded to send me threatening letters stating that they would seek legal action. I received another correspondence stating that I personally spoke with them on the phone and spoke with their legal dept, I asked for proof of those conversations and I never received it. Prior to me disputing this account, I have never had any contact with Midland Funding and Midland Funding has never reached out to me.
Most recently, I check my credit again and Midland Funding has added another unverified debt on my credit file. I am beyond outraged that this company continues to violate my consumer rights and also damage my credit. I do not owe any debts to Midland or any outside vendors that they may have. To add insult to injury, when the second account was placed on my credit file, I never received any documents or notification for validation for that alleged account. Midland Funding has been the topic and center point for numerous class action lawsuits and settlements due to their illegal practices. This company is attempting to swindle monies from me and I will not actively participate in their activities. Every time that I dispute an account that is not mine, Midland begins to send me stressful threatening letters demanding payment or I will suffer legal action. Midland also present these letters in a manner as if they have been communicating with me on a regular basis. This is not the case and completely false representation on Midland 's part. I want both of these erroneous accounts deleted from my credit file immediately and for Midland to do their due diligence prior to ruining unsuspecting consumers ' credit.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX XXXXXXXX Balance Owed : {$28000.00} XXXX XXXXXXXX XXXX Balance Owed : $ {$0.00}
Consumer complaint received 2017-09-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mar Joe Enterprises (VA)

Apparently back in 2012, I visited the doctor ( I was still under my parents insurance plan ), and my insurance supposedly did n't cover any of the expenses. I had no knowledge of the debt being owed until I began applying for loans, credit cards, auto financing, etc. So once I found out about the debt, I called the collection agency it was with and asked for a copy of a detailed bill ( which they were never able to provide ). The debt was then transferred to a different collections agency who attempted to call me everyday at XXXX XXXX while I was attending XXXX XXXX XXXX. I was finally fed up with the collection efforts ( since no one could explain the debt and why the insurance did not pay it ), and disputed the charges through XXXX who found my claims to be accurate and removed the derogatory account from my credit report. Now, the other agences ( XXXX, XXXX ) will not remove the item as they say it is accurate. I do not undersatnd 1. Why my insurance did n't cover this debt ( my Dad had state benefits because he was a Conservation Officer at the time so he had really good insurance ) 2. Why this debt is still showing up on my credit report though it was removed by XXXX but is still reported by the others and 3. Why no one can provide me with a detailed bill. It has been 5 years of putting up with this nonsense and I refuse to allow this to impact my ability for financial success and one day owning a home.
Consumer complaint received 2024-09-25
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. (WI)

Upon reviewing your consumers report I found multiple accounts listed that do not belong to me. I do not know who these companies are that's reporting nor do have I given anyone my personal information. Here are the accounts listed below : XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXl- {$5700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXl- {$4000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Bal- {$4000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$3200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Bal- {$2500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$2300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Bal- {$2000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$640.00} XXXX
Consumer complaint received 2023-10-05
Product: Credit 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 (NY)

I was scammed by an XXXX seller with what was called the " USPS scam '' which I later learned about : the seller sent some random paper through USPS and claimed it was my camera. Then the seller came to me on the day of delivery and stated that the package was delivered to the wrong address SOMEHOW, and that was even BEFORE I checked if anything was delivered to me and contacted the seller. The package weighed only 1lbs according to USPS which is impossible for a XXXX XXXX XXXX camera with a full case, and the address was actually correct according to USPS proof of delivery. The reality is I do not have the item that I intended to buy with this money and have not even received anything. Yet the " seller '' is still able to make Discover not refund my money and won dispute # XXXX because he has that piece of scam tracking number from USPS that says it's delivered, which I contacted USPS and reported that it was not delivered. This made no sense and I do not know what Discover 's investigator is doing.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (FL)

IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2023-11-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC. (FL)

My Daughter had a car accident in which the car insurance decided to total the car out, the amount at the time was owed was XXXX XXXX XXXX cut a check in the amount of XXXX and the XXXX coverage sent a check out for XXXX and I just had made a payment of XXXX in XXXX, my total is XXXX within XXXX months. Now they are reporting account as late to credit making a negative report affecting my score it have dropped like XXXX points within XXXX weeks because of them making back to back reports in the same month. I co signed on the car with my Daughter and I am working hard to improve my credit, can they charge me interest on a car that was paid off and report to credit like they are doing. The car was due to be paid off in a couple more years and they got they money in advance due to the car accident and my Daughter is still without a car.