davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

I am a registered user of coinbase.com When I try to log in I receive a confimarion SMS. 
Around XXXX 2017, I had to change my phone number. 
The SMS verification codes still get sent to my old phone number and I wanted coinbase to change it to my new phone number ever since. 
This process of changing my phone number requires the verifcation of my ID. 

I tried this numerous times and it never worked, mostly because : unknown reason and sometimes because they have me as : forename ; surname and on my documents its surname ; forename ( XXXX have surnames infront, basically x, y doesnt match your name y, x ). 

I tried contacting the customer support at coinbase.com, but they never replied. 
I have funds ( BTC, ETH ) in my account that are important to me and I can not access them and the customer support does n't seem to want to help me in any ways.
Consumer complaint received 2019-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I made a purchase for {$12.00} in XX/XX/XXXX. In the midst of me changing banks the bill was overlooked. I immediately called and the late fee was waived as 1 time courtesy and I pd the bill XXXX ( XXXX fee which I dont know for what ) in XX/XX/XXXX. And now they say I owe {$41.00}? On a XXXX purchase which was paid. Ive messaged them but nothing is resolved. Ive looked them up ( comenity Bank ) on XX/XX/XXXXand there are a lot of complaints of them doing this to customers.
Consumer complaint received 2019-08-10
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. (SC)

Companies : XXXX, Experian & Transunion. These companies continue to list old debts of mine that should NO longer appear on my credit reports due to their age. 

This has made my reports look much worse than they really are ...
Consumer complaint received 2019-08-10
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 — Problem with personal statement of dispute
Company: Ad Astra Recovery Services Inc (TN)

I submitted disputes to XXXX, XXXX, AD Astra Recovery Services, and XXXX XXXX XXXX asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXXXXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more undue XXXX XXXX XXXX because the agencies and companies are failing to follow the rules that are set forth by CFPB. I need help.
Consumer complaint received 2019-08-10
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: VEROS CREDIT, LLC. (CA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. (CT)

Experian lowered my XXXX score by 44 points in XXXX with no extraordinary activity on my account. It was lowered an additional 112 point today based on on a disputed collection. The phone numbers provided by Experian are a series of tele prompts and then disconnect you. There is no way to talk to a live person.
Consumer complaint received 2019-09-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc. (GA)

Ive disputed this debt with this company several times and I have not received proper verification or response. At this point I would like this debt removed from my report Carter-Young , Inc . 

Account Details Original Creditor : XXXX XXXX XXXX Account # : XXXX Balance : {$100.00} Open Date : XX/XX/2014
Consumer complaint received 2020-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (WI)

I cut the cord and terminated cable/internet services with XXXX ( XXXX XXXX XXXX XXXX ) five years ago for services not being rendered that I paid for. Three years ago XXXX XXXX XXXX XXXX  started to harass me over a {$120.00} fraudulent bill. I filed a compliant with CFPB and the harassment stopped up until recently the harassment started again by using yet another collection agency to harass me over the same fraudulent debt of {$120.00}. I am a victim of identity theft and discovered that in XX/XX/2020 AMSHER collection service filed a fraudulent claim to my credit report on behalf of XXXX XXXX XXXX XXXX once again harassing me over the {$120.00} fraudulent debit.
Consumer complaint received 2020-09-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (TX)

I opened a checking account on XX/XX/24. The checking account had an advertised {$300.00} opening bonus for opening the account and performing {$1000.00} in direct deposits. I have fulfilled the requirements but never received the bonus. I sent a message to the bank and still haven't received the {$300.00} bonus.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (OH)

They have locked me out our closed account on their website, this was months ago, resetting password doesn't work, they never offered any covid 19 relief either, this account will charge off if this isn't corrected soon, I'm sick and tired issues with this bank. Issues like this aren't the first.
Consumer complaint received 2020-09-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Bottom line : Toyota financial is reporting late payments to the credit bureaus on a loan that I've already paid off and has a XXXX  balance. 

Background : I took out an auto loan with Toyota Financial for {$27000.00}. 

I paid off the entire balance so my account online was showing {$0.00} dollars. I spoke with an agent who said they would send me the title. A month later I received a letter in the mail saying I owed {$140.00}. I called because I was told my balance was paid off, and spoke to a manager who said there was nothing I could do about the charge and that it wasn't late yet, but that if I didn't pay it, it would reflect negatively on my credit report. 

So, even though I did not believe I owed the money, and felt like the manager was using the leverage they had over me in a very unscrupulous and condescending way, I went ahead and paid it that same day to avoid the hassle. 

The payment was processed and my account continues to show a XXXX  balance. I received no letter in the mail and no email saying I owe anything further. I don't owe anything further, but I received a notice that my credit score had dropped. It has dropped twice from two reports made by Toyota Financial for late payments. 

I have tried to resolve this complaint with Toyota Financial,  but was just hung up on by the customer complaint department after I was transferred to them.
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. (CA)

THIS IS NOT A DUPLICATE COMPLAINT IN THAT WE HAVE SUPPLIED ADDITIONAL INFORMATION AND THE COMPANY HAS FAILED TO ADDRESS THE FEDERAL LAWS THEY ARE BREAKING. 

THEY HAD 30 DAYS FOR THEIR INVESTIGATION AND THEIR REPLY THAT THEY ARE STILL INVESTIGATING AFTER THE 30 DAYS IS ILLEGAL!
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have  got into the hands of the wrong person.
Consumer complaint received 2020-09-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (TX)

Hello, I have been having an issue with XXXX in regards to false information that is being reported on my credit report. I have tried resolving this issue multiple times by communicating with them via certified mail and they refuse to fix the issue. They are falsely reporting an account that does not belong to me. 

Santander Consumer USA Account # XXXX I have mailed out multiple attempts to resolve this issue with no help from them. 
I have mailed out items in XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 and most recently in XX/XX/2020.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I have sent multiple letters in the past with no response and this has become a very stressful situation.
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Background : Have had a long history of on-time / full payments on my credit card with Chase. Have autopay set up through Chase, such that they pull out the full balance/any payment required each month.

... ... ....

Due to COVID-19, stay-at-home orders, and the general reduction in travel, I had received cancellations and merchant refunds due to travel ( e.g. hotel reservations, race registration fees ) and other cancellations ( e.g. home mortgage appraisal, elective medical testing ). While I still used my card as normal for everyday purchases ( e.g. coffee, grocery, etc. ) - the size of these refunds resulted in a *net credit in my account* for a few months. Chase also didn't transfer the credit back to my bank account but kept it as a negative value as outstanding transactions. 
... ... .... 
I assumed the credit / autopay would be fine with keeping the card in good standing, but then Chase cancelled it. The reason for the cancellation was that payments weren't made, even though 1 ] Merchant credits more than accounted for the charges and 2 ] I had Chase 's autopay system set up ... which didn't draw any payments and then penalized myself for using this system.

... ... ....

I called Chase to learn more and resolve - while most of the reps/managers on the phone could empathize with the situation and agree it doesn't make intuitive sense, there was nothing that could be undone re : the account closure. I had asked to either a ) reopen the account or b ) refund the a pro-rated version of the card 's annual which was charged just 2 months earlier. Unfortunately, there were  unable to open the card given it was " a bank closure and out of my hands '' and I was still charged a full year 's annual fee even though Chase didn't allow me to use the card for the year.
Consumer complaint received 2020-09-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

XXXX XXXX XXXX  for XXXXaccont number is XXXX by pro collect, inc .address is XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX.this is wrong report .please remove it.
Consumer complaint received 2020-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (UT)

Knew of the debt and had agreed to have the company take the funds from my bank account via ACH withdrawn. Since no communication/contact, either in writing or phone number had been received it was assumed that the debt had been paid for and cleared. Till I pulled my report today XX/XX/2020 and saw a 'WF/XXXX XXXX   ' Charge off as of XX/XX/2020. 

I do not feel like my rights as a consumer has been upheld through the FDCPA as there has been at bare minimum no written notices for the debt.
Consumer complaint received 2019-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i have submitted several letters disputing inquires in my credit, there are still there 1.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX BYMAILONLY 2.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX
Consumer complaint received 2020-09-14
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: Consumer Portfolio Services, Inc. (WI)

Despite that fact that it has been almost a year of me attempting to resolve this unauthorized inquiry, CPS still has not contacted XXXX  to have it removed as previously agreed. That is FRAUD at this point, XXXX  has no record of contact from CPS for me.
Consumer complaint received 2019-08-26
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. (DC)

On XX/XX/XXXX I was notified that I had a new credit inquiry from XXXX. I did not try to open an account and called XXXX who confirmed an account was not opened. I want this inquiry removed from my credit report.
Consumer complaint received 2019-08-26
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

Re : Capitol One Auto Finance, XXXX XXXX. XXXX XXXX, XXXX, TX XXXX There are 2 Hard Inquiries on my XXXX credit report that I did not sign for, or authorize. I did not apply for credit with this company. The inquiry date are as follows : XX/XX/2018 XX/XX/2018
Consumer complaint received 2019-08-26
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: SYNCHRONY FINANCIAL (NJ)

I noticed a hard inquiry on my XXXX account that Does NOT belong to me. It is from Syncb ( national credit cards/airlines ) on XX/XX/2019. They are out of XXXX, Fla. I use XXXX XXXX & noticed on the site direction to call the creditor. I called them on XX/XX/2019 at XXXX. The first time I was hung up on. The second attempt I was told No one works in that dept. and I need to contact XXXX. The next business day I called XXXX back and was told I need to acquire a letter of dismissal from syncb. So, I called them back and was told they can't give me one because there is no such department. They informed me it was an issue with XXXX XXXX & I need to take it up with them. I started a messaging chat with XXXX XXXX and they told me they would get back to me. They never did. I am trying to repair my credit but I am finding it difficult with people out there who scam.
Consumer complaint received 2019-09-06
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. (TX)

I have sent 5 letters to Equifax within the past 90 days, sinxe they were unable to identify me over the phone. They still havent responded to my letters, neither did my Dispute get resolved. I spoke with a representative on XXXX XXXX by the name of XXXX, Her employee ID was XXXX. I have been put on hold for 2 hours because I have asked to speak to a manager in charge, and again they completely ignored me continue to place me on hold. Never responded to my letters, nor can I see my actual disputes online. This company do not stand of their promises nor do they follow through on their customer service, nor do they listen to their customers.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX on accounts # XXXX and # XXXX are paid off and are still reporting a balance on my credit. These were charged off but I have gone and paid everything and it should no longer be on my credit.
Consumer complaint received 2019-08-26
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation (WI)

On XX/XX/XXXX World Finance did a hard inquiry without my permission. On XX/XX/XXXX XXXX World Finance status was open {$480.00} past due as of XX/XX/XXXX. On XX/XX/XXXX XXXX shows account was charged off XX/XX/XXXX and the past due {$880.00} as of XX/XX/XXXX.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint to TRANSUNION there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction. I have also attached my FTC report with the report number XXXX