davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2023 I transfered XXXX from my XXXX business account to my bank of america account. I then drove to the store which is approximately 1 mile away I got gas and some snacks and stuff it came up to about XXXX  dollars I used my bank of america debit card to pay when I swiped the card it declined I said that's not possible so I tried again same results so I opened the bank of america app and seen a pending transaction for XXXX XXXX dollars from XXXX XXXX. I then transfered the amount needed just to pay for my stuff when I get home I call the bank and explain what had just taking place I filed a dispute they said they would reimburse my money during the dispute process a couple days later I received a phone call from the bank saying they were closing my account I asked why they never gave me a reason they never even told me what was going on with my {$400.00} on this paper the dispute paper that I received in the mail well I dispute of the transaction for {$400.00} at the top they have XXXX I don't know why they have that I was disputing the XXXX transaction that I did not authorize so it's been around three and a half months I keep getting statements in the mail then they call me and tell me that on XX/XX/XXXX they're going to close my account fully out and send me a check for my remaining balance when they told me they were closing my account I switched my direct deposits and everything to another account I never received the check from my money for the {$400.00} I don't even know where the money went I don't know who took the money besides XXXX and so I work hard for my money and I just asking for these people give me my money back you can go and look on the IP addresses or if they did the proper investigation they would see that it I'd had nothing to do with this transaction nor did I authorized nor did I allow anybody to use my PIN number or password or anything like that there ain't no one person on the account and that is me I have not been able to get no resolution with them I've even requested the documents that made them make the determination to deny my claim I have a valid claim and I just asked that I get my {$400.00} back this was a fraudulent transaction and I ask that the person be found and punished.
Consumer complaint received 2017-08-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I would not usually complain but enough is enough, this company needs to be held accountable for their actions. It is not the first time my money has been messed around with by this awful organisation. On this instance : XXXX XXXX from Coinbase : A  withdrawal of XXXX ( + XXXX banking fee ) has been initiated. XXXX will arrive in your bank account by XXXX XXXX, XXXX. XXXX XXXX : still no money in my account. Numerous attempts to contact Coinbase 'Support ' have been in vain in the past, you just never receive a reply to your case ; if you do it is from a templated auto-response several days later. They do not have a telephone support option so you feel as though they are hiding from giving answers. They can not be allowed to continue operating in this manner, they have enormous funding and charge exorbitant fees, they can afford to hire a support team. Playing with peoples ' finances is not acceptable. Some examples of horrendous service can be shown in their ( heavily ignored/neglected ) community page : https : XXXX
Consumer complaint received 2024-09-29
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. (GA)

I received a copy of my credit report and found that the following items were inaccurate. The items in error are listed below. 

file : XXXX XXXX XXXX  Creditor Name : XXXX XXXX Account Number : XXXX ********* Date of Charge Off : XXXX  Amount : {$170.00} Under 15 US Code 1681b ( 2 ), a consumer reporting agency can only furnish a consumer report if the consumer reporting agency has written instructions from the consumer. Idid NOT give you written instructions to report this information. I demand you delete this account immediately.

According to the 15 US Code 1681e ( b ), a consumer reporting agency is required to implement reasonable procedures to ensure the highest level of accuracy possible. I have highliated the inaccurate information reporting from my credit report. Given these inaccuracies, this account should be deleted for not complying with 15 US Code 1681e ( b ). I demanded you to deleted this account immediately.
Consumer complaint received 2023-05-13
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: Consumer Portfolio Services, Inc. (MD)

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX
Consumer complaint received 2023-04-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (AZ)

I have a Health savings account with Optum financial. For the past 2 weeks, I have been unable to access my account ; it keeps asking me to reset my password which I do and it is in this perpetual cycle and never lets me in. I have contacted Optum and had a case created ( # XXXX ) and they subsequently closed it, without addressing the problem. I was on the phone today with technical assistance for 45 mintues XX/XX/23 and they are unable to resolve it. I have been sent a link to reset the password, only to get an error message from the company. Something is clearly broken and not working at this company. They can't resolve this matter and I don't know what else to do. 

I am unable to submit claims to access my own funds. 

I have no issues with accessing my financial information with any other bank and credit card company. 

Please help me get access to my own funds. This is unacceptable.
Consumer complaint received 2023-05-13
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. (CA)

Citi XXXX XXXX had an offer for XXXX, where I would receive {$30.00} cash back for spending {$100.00} or more at XXXX. I added this Merchant Offer to my Citi XXXX card, and then made a {$100.00} purchase on XX/XX/2023. As required by the Citi XXXX XXXX terms, I did NOT use any other promotional offers on this order. It has been more than XXXX weeks, but the {$30.00} Citi XXXX XXXX credit still has not posted. The Terms of the offer do not include any information on by when I can expect the credit to post. On XX/XX/2023, I chatted with an agent on XXXX regarding this issue, but the agent was extremely slow to respond and could not even locate the offer after almost XXXX minutes.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

. Collection XXXX  - XXXX Collection XXXX - XXXX Collection XXXX - XXXX
Consumer complaint received 2023-05-13
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a savings account with Capital One Bank that had a balance of {$6.00} on XX/XX/2023. Apparently, Capital One deemed the account dormant on that date. Capital One sent a notification of the dormant status on or after that date. Subsequent to that date, Capital One also sent me the attached bank statement showing that the {$6.00} balance had been debited from my account. Both the notification and the bank statement were mailed to my current address. When I called Capital One to find out how I could close the account and retrieve the {$6.00} balance, I was told that the {$6.00} balance had been turned over to a state unclaimed property department. I was told to check XXXX. I did so, but my name was not associated with any unclaimed property for either state in which I have ever lived : Wisconsin and Florida. I repeat : THE UNCLAIMED PROPERTY DEPARTMENTS OF THE 2 STATES IN WHICH I HAVE EVER LIVED -- WISCONSIN AND FLORIDA -- DO NOT LIST ME ON THEIR LISTS OF UNCLAIMED PROPERTY. So, Capital One has simply stolen my {$6.00} and refuses to return it. They obviously had my current address, because they used it to send me a notification that my bank account had become dormant and to send me the bank statement showing that my account had been closed and the {$6.00} balance had been taken all within the same month : XXXXXXXX XXXX. I seek your help in getting a refund of the {$6.00} that Capital One stole from my account.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX.
Consumer complaint received 2017-08-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (NC)

this is in reference to paypal.a backhoe was for sale on XXXX, talk to the owner.said he do n't take credit cards.seller said he would send a invoice to my email.i told seller had only XXXX credit at paypal.seller said XXXX takes credit cards, next thing the invoice was sent I said ok and made a call back to seller.i said what is next. the seller said you are all set you are paid in full. I said how I only had XXXX and I just had received a XXXX -- raise but never XXXX.i just could not under stand how made a call got the run around. next thing I did was try to make as much payments I could. found out that I had 6months free interest. did not know what they were even talking about next thing some time at the end of XX/XX/XXXX, my statement came to my wanted post office mail paypal said they always sent mail. but they never did. only email.so in XX/XX/XXXX the statement said I need to pay only the min payment of XXXX never sent me a pay off balance. of what the balance was before they were going to hit me with interest.so I look at what the balance was and the balance was more than the last time I took a look XXXX now was XXXX some change. got a real hard time made a lot of calls. one call the paypal service name was XXXX, real wise guy. sent me an email. said that I will see some changes soon. on my account. next thing when I took a look. the interest was in the statement. but it was in a place you had to look for. XXXX. took the rest of my credit way. XXXX did in fact temper with my credit statement. XXXX never told me what he did but I could see clear threw. I made a lot of calls to pay the balance. with out the interest. which was around XXXXeach time I was told no no no they never sent me a pay off. they never told why they had to be the only ones. they made a jump from XXXX to XXXXjump to XXXX with out the facts of agreement. to me this is as bad as it gets.ps why is it that if you want to buy from XXXX. you have to go threw paypal. why is it when you press the button to buy and made a mistake. the item is paid for and you have to go threw XXXX to get you cash back. you have to call XXXX, then paypal, and some times the seller. please help
Consumer complaint received 2017-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have disputed this account with all three bureaus with no resolution. I 've sent numerous letters to each bureau asking for validation and verification of this debt because I know that it is n't my debt. I 've also sent a letter to XXXX XXXX  XXXX asking for Validation and Verification. I received a letter that was sent to me asking for payment from Portfolio Recovery. I have did everything short of filing a police report concerning this debt. It is preventing me from starting my home buying process.
Consumer complaint received 2023-04-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

In XXXX i disputed this account, I requested for this collection agency to validate the alleged debt, they failed to do so. They sent an itemization of charges which by law is not considered validation of debt. I asked for a proof such as the original contract and or my signature. The company failed to provide me with the requested information. The law 91-50 Title VI section 611, Subsection A-D clearly states if i request proof and or validation of alleged debt I'm entitled to obtain a copy of it, which was NOT provided by Portfolio Recovery Associates XXXX
Consumer complaint received 2023-04-08
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: Spring Oaks Capital, LLC (IN)

XXXX XXXX XXXX has been notified by XXXX, as well as me, on more than one occasion involving account # XXXX from XXXXXXXX XXXX to date of this complaint. Also Spring Oaks Capital LLC has been notified as well. Most recentIy, see XXXX  Dispute Report # XXXX. However, XXXX XXXX & Spring Oaks Capital LLC keep reporting these accounts of {$180.00} & {$1600.00} past due ' to the 3 major credit bureaus. Last date reported was XX/XX/XXXX, XXXX i I have been a victim of identity theft and have no knowledge of these accounts. All of my personal info including drivers license number, ssn, d.o.b., address, phone #, etc has been compromised in at least three major data breaches and has been sold on the dark web. I have already filed an identity theft report with the FTC a few years ago about this. This is not my account!
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

They are Illegally Violating my rights by reporting a Bankruptcy that they have yet to provide how they verified. This is causing harm to my report and hindering me from providing my child with the best life.
Consumer complaint received 2023-04-20
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rocket Mortgage, LLC (MA)

Dear Rocket Mortgage, Lets make this matter simple. Please prove me proof that a payment was not made in XXXX that brought the account current. 

You are reporting that I was late in XX/XX/2022. Provide evidence that a payment was not made in this month.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-21
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. (CO)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, U S DEPT OF ED : # XXXX, DEPT OF EDUCATION/XXXX  : # XXXX, has violated my rights. 
I looked at my transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (AL)

I opened a dispute with Cashapp on XX/XX/2023 due to finding out that I was being scammed. Cashapp denied my dispute in XX/XX/XXXX claiming that services was fulfilled and they were not. I was promised guaranteed approval by getting my credit fixed if I paid {$1500.00} and I never received those services. I disputed it twice with cashapp and they will not give me my money back even though I have submitted a lot of evidence of me clearly being scammed.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

I am bringing forward this complaint against the credit bureaus due to their consistent failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite several attempts to address this issue through the proper channels, the credit bureaus have not fulfilled their obligation to acknowledge or investigate my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have not responded, confirmed an investigation, or corrected the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days.
Consumer complaint received 2017-08-21
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. (CA)

I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX/XXXX is still reporting on XXXX, XXXX, and TransUnion credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX/XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX/XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #