davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-02
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. (NC)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed the 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 the items or the information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-02-28
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I'm not sure of the day it happened yesterday as I am making this I assume XX/XX/XXXX I have a credit card with Capital One and it's also a Walmart card to be used at Walmart I have a {$300.00} limit when I checked my limit last night it said I had {$47.00} and some change woke up in the morning it disappeared but not my balance my balance was still the same not XXXX it was under a guy named XXXX who's like a head guy there has been doing this to me for 13 months straight once a month he steals money off of my car he's like a manager at Capital One he's been embezzling my money for well over a year I want this card terminated and I don't want to be owed anything and I don't want to owe them anything and if that's not acceptable I want to press charges
Consumer complaint received 2024-05-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FC HoldCo LLC (LA)

In XXXX of 2023 I had to sign a 25 % APR on an auto loan through flagship credit acceptance. I did this knowing I could refinance after 6 months and my credit score going up. Well, they haven't been reporting my on time payments. Therefore my credit has not increased.
Consumer complaint received 2024-02-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (ID)

In XXXX of XXXX it was brought to my attention by a lender while trying to get approved for a home that there was a collection item on my credit report totaling {$2700.00}. I was never notified of this collection, nor should I be held responsible for anything related to a debt towards XXXX  ( the original collector ) or TransWorld Systems, the current collector. In an effort to fix my credit and remove this collection for good, my wife and I were scammed by a company called XXXX XXXX XXXX into paying them to resolve this and delete the item from our credit report. Since then, we fired XXXX XXXX XXXX for fraudulently breaking the law by not being XXXX  compliant by being a for-profit company and charging us before the service was completed but they denied us ever being a client of theirs ( regardless of the XXXX XXXX as proof which we have attached below ). On XX/XX/XXXX I called TransWorld Systems and they advised me that XXXX requested to remove the account permanently and that their account balance for us showed {$0.00}. I demand that any and all collection items and history of this debt be permanently deleted from my credit report.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XXXX XXXX XXXX {$770.00} XXXX XXXXXXXX {$490.00} 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have had an account with Bank of America ( henceforth, BoA ) for over 15 years, and on Friday, XX/XX/XXXX, They removed over XXXX XXXX dollars from my account and completely drained it to XXXX, with the charge code " Legal Order - LTS ''. I immediately reached out to BoA to rectify the issue, as I have had no legal cases or judgements against me at any point in my life. 

Upon reaching BoA 's Customer Service, the person assisting us informed me that there was a legal order requesting a bank levy against a person with my name - However, this person is not me and the SSN associated with the request is not my SSN. When I asked for more clarity, they informed me that the charge was in fact made in error, and that it should be removed within " 3-5 business days ''. In addition, the bank also charged me a fee for processing this erroneous legal order, when it was their mistake. 

I find this unacceptable, as not only have I had several recurring charges that go to this account get declined or bounce back, I have been unable to pay for my daily necessities, such as food, travel to my place of work, and this issue would preclude me from paying rent, thus launching me into financial precarity through no fault of my own. 

On Monday,XX/XX/XXXX, I called the customer service line for BoA, and they informed me that I needed to contact the original creditor to prove it was not me. When I contacted the creditor, they informed me that they could give me no information, because I do not have an account/case with them, because it is not my debt. I then reached out to BoA and was told to contact a lawyer and then repeatedly hung up on. I work a XXXX, so I am not able to spend hours on the phone with the Bank to resolve an error that they caused and have shown absolutely no interest in resolving. 

If necessary, I can attach letters proving that the judgment is not for me, as well as attesting that the SSN on my account does not match the SSN for the judgement and that the Judgement 's SSN has never been associated with my account.
Consumer complaint received 2024-05-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (NV)

ALLIED COLLECTION SERVICES XXXX XXXX XXXXXXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4300.00} does not belong to me. This account was fraudulently opened through this company in XXXXXXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC. (MT)

On XX/XX/2024, I received a deposit of {$36.00} from the state of Montana as my state tax return. 

The return was rejected, and the error saying " name mismatch '' appeared This was my own return, and my name is the same on both my taxes and my Robinhood. I use Robinhood as my primary checking, savings, brokerage, and retirement. I can no longer access any part of my account, transfers in and out are locked. And it says to wait. 

Initially, it told me to wait until XX/XX/XXXX when this would be resolved. Then, it said XX/XX/XXXX. Now it says XX/XX/XXXX. I can not keep waiting. This is causing my bills to become overdue, which I have never been overdue on a bill before. 

I have reached out to Robinhood three times via phone, and each time they push my resolution date back. 

Currently, the application simply says " take action '' which should allow me to upload files of bank statements, but I have already done that, so it should tell me to wait for review. 

Every time I talk to a person on the phone, they are unhelpful and can not tell me why my account was restricted. 

They have requested I upload pdf 's of bank statements or account closure letters from : XXXX XXXX ( No longer exists ), can not get an official letter, only an email which I submitted XXXX XXXX, can not get an official letter, only an email which I submitted XXXX XXXX, I submitted a recent bank statement for XXXX. 

They said that they were submitted in the wrong format, but this is impossible, as the uploader only allows .pdf uploads. They told me that they wouldn't accept emails, but that's all I can get access to.
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Unjust Account Restriction and Forced Asset Liquidation by Coinbase I am writing to lodge a formal complaint against Coinbase for their unjust permanent restriction of my account and the subsequent forceful directive to liquidate my cryptocurrency holdings, leading to avoidable taxable events. This action not only contravenes their Terms of Service but also raises significant legal and ethical concerns. 

Account Summary and Grievance : Since XXXX, I have been a compliant and verified user of Coinbase, with all financial transactions funded through a bank account that receives my regular paycheck. Despite my transparent transaction history, Coinbase abruptly restricted my ability to send cryptocurrency to external wallets in late XX/XX/XXXX, without providing any substantial justification. I made multiple attends to contact customer support and did not get any answers why I can't withdraw my assets from the Coinbase. The last one was made XX/XX/XXXX. I received en email that my account been permanently restricted for no reason for transferring crypto currency to my personal wallet. 

Forced Liquidation and Tax Implications : The restriction imposed by Coinbase necessitates the sale of my cryptocurrency assets into USD to access my funds, triggering unnecessary taxable events. This forced liquidation seems to directly conflict with the ownership rights and freedoms outlined in Coinbase 's Terms of Service, which explicitly state that cryptocurrency assets belong to the user and can be transferred at will. 

Lack of Transparency and Final Resolution : After multiple inquiries and a prolonged review period, it was disclosed that my account had been permanently restricted by an automated system, leaving me with no alternative but to liquidate my assets. This opaque process and the irreversible decision, devoid of a thorough review or a clear explanation, are highly concerning. 

Appeal for Intervention : Given the circumstances, I am seeking the intervention of the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter further. The actions taken by Coinbase not only infringe upon my rights as a consumer but also pose broader implications for the treatment of users and the enforcement of regulatory compliance within the cryptocurrency exchange industry. 

I appreciate your prompt attention to this matter and look forward to your support in rectifying this unjust situation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-03
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed :
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I asked what was the minimum due on my account. Was told {$170.00}. It should have been {$170.00}. Customer service calculated incorrectly. Capital one made me thirty days past due for {$2.00}. I started getting alerts from Credit Bureaus. Called Capital One and was told that they had to report what was paid. They supposedly investigated it could not find any calls from me. I was told they would note my account with all details. I called back in about a month and no one could find any notes or that I had disputed this short payment. I was also notified that there was nothing they could do. I then called Capital one in XXXX XXXX XXXX, sending them a letter explaining the problem. I was then told I would have to write a letter ( no fax or email ) explaining the problem once again sending documentation from credit bureaus. Again I was told they had to report the way it was paid. What they seem to neglect is the fact that the information I was given was from Capital One, in good faith, that they knew what I owed. 
Why should my credit be ruined for two dollars when I was instructed by Capital One? This is their responsibility to give me correct information. If this has happened to me, it has happened to someone else.
Consumer complaint received 2023-04-04
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. (MD)

I discovered that some of the information on my credit report was incorrect and misleading when I reviewed it. The 3 credit bureaus need to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-10-12
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. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXXXXXX 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 2023-09-23
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. (NY)

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY CREDIT SYSTEMS INC (NY)

SECURITY CREDIT SYSTEMS Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Repeatedly contacts my elderly mother to collect an alleged debt from a College I have not attended since 2012. Has published/ reported the debt to my credit report. The alleged debt does not match any number from any invoice or communication I had with the college. 

This firm is attempting to collect an alleged debt that is older than 10 years. 
This firm misrepresents the total of the disputed charge. 
This firm repeatedly harasses family members ( who do not reside with me, share phone plan, or live in the same state ) to collect their alleged debt.
Consumer complaint received 2024-02-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY ()

I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from Delivery@orders.amexgiftcard.com. And on there I clicked the link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Debt Notification and Request for Verification To Whom It May Concern, I am writing to dispute a debt that I have recently been made aware of. According to my records, I have not been notified of this debt, nor have I had the opportunity to dispute it. I am requesting that you investigate this matter thoroughly as it appears that my consumeedr rights have been violated. 
Specifically, I am invoking the following regulations and laws that pertain to this dispute : 1. 12 CFR 1006.34 ( b ) ( 5 ) : I did not receive the required information regarding this debt, which should include my right to dispute the debt within 30 days. I request evidence that this information was provided to me in compliance with this regulation.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) : I did not receive proper notification of the debt, nor was I informed about my rights to dispute it. The lack of proper notification violates this specific provision, which mandates clear communication of my rights.

3. 12 CFR 1006.34 ( d ) : The collection agency 's actions appear to be using false, misleading, and deceptive means to collect this debt. Such practices are prohibited under this regulation, and I believe my consumer rights have been infringed upon.

4. 15 USC 1681-S 2 ( 7 ) ( A ) : The reporting of this debt to credit reporting agencies without proper notification and an opportunity for me to dispute it is a direct violation of this statute. This law mandates that creditors provide accurate and fair information to consumer reporting agencies, which has not been adhered to in this case. 
I also request that you provide me with the certified mail receipt that includes my signature, indicating that I received notification of this debt. If you can not provide this, it will further support my claim that I was not properly notified. 
I ask that you cease all collection activities and remove any negative entries related to this debt from my credit report until this matter is fully resolved. Please respond to this dispute within the time frame mandeted by law and confirm receipt of this letter. 
Thank you for your prompt attention to this matter. I look forward to your resolution and clarification. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (PA)

I have been receiving phone calls from various XXXX area code numbers. I called one back ( XXXX ) and was prompted to confirm my name which I did by pressing one. I was connected to someone who did not disclose they were a debt collector or that their call was an attempt to collect debt, but that they were from the CBE Group. They did not disclose that any information I provided would be used in an attempt to collect debt. They asked for my name which I confirmed, not aware they were a debt collector. They then attempted to confirm my address ( which was incorrect and out-of-state ) and I asked what the call was regarding. The person on the phone would not disclose it was an attempt to collect debt nor tell me the purpose of the call unless I disclosed my social security number, which I refused to do. After hanging up, I XXXX the organization and realized they were a debt collection agency. Per my credit reports, I have no outstanding accounts and this organization either has the wrong person or is trying to collect for things I do not owe. Again, at no point in this call did the organization make the required disclosures under the FDCPA nor would they tell me upon repeated requests for them to identify themselves. I had no idea they were a debt collection agency at any point during this call.