davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (VT)

My wife and I have been geting calls for the past 6 months for a XXXX XXXX. She apparently owes a debt to a credit card company. We do not know who this peraon is, other then we share the same last name. The calls are made to my wifes cell number as well as our home phone. The calls come in at any time of day... .most calls are on the weekend as well as XXXX XXXX. I have done everyting I can about this. I have called them and told them I was going to report them. We have tried blocking and it doesn't work. The last call we got was from a XXXX. The company name is MCM. The most recent call came in at XXXX XXXX  We have had enough in that these calls are way beyond harrassment.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (VA)

I am not liable and refuse to pay this debt with XXXX XXXX XXXX XXXXXXXX XXXX, I have no contract with National Credit Adjusters in regards to account # XXXX. The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. Thanks in advance.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (IL)

I had a Discover card account from XXXX XXXX XXXX  which coincided with my time in XXXX. Unfortunately, during this period, I encountered a financial setback that resulted in two instances of late payments within the past 30 days. Despite this challenge, I diligently managed to catch up and completely paid off the account. However, I have discovered that this account is currently reflecting as negative account activity on my credit report. After paying off the card, I discontinued its use, and it was subsequently closed due to non-activity. 
This misleading information is impeding my ability to pursue a significant milestone in my life- buying a home. Maintaining good credit is of utmost importance to me, and I am eager to rectify this situation. I firmly believe in taking responsibility for my financial obligations and view good credit as non-negotiable. Now, I am compelled to request Discover to rectify this discrepancy and remove the damaging information from my account. I am aware of the importance of adhering to policies, but I also firmly believe that everyone deserves the opportunity to make amends for past mistakes. I firmly believe that the repercussions of unforeseen circumstances should not have a perpetual impact on one 's financial standing.
Consumer complaint received 2024-07-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

On XX/XX/24 refunds from XXXX XXXX amounting {$400.00}, {$500.00}, and {$2500.00} were posted to my Coinbase debit card account. 

On XX/XX/24 refunds from XXXX XXXX amounting {$600.00} were posted to my Coinbase debit card account. 

On XX/XX/24 I reached out asking why the funds were not yet made available to me. I was told a specialist would be reaching out to me but instead received a blank response case resolved email. 

As of XX/XX/24 I still have neither had my funds made available to me or heard from a specialist. 

It should be noted I paid for priority support and received no such thing.
Consumer complaint received 2024-01-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (LA)

One main financial, I had insurance in case I lost my job or was laid off at any time. I was sick and out of work. They put up a judgment against me instead of complying with their insurance payments. I once started paying back to the company they sold my information too. Then I was sick contacted XXXX XXXX and associates, they said oh it's fine contact us once you get back employed. They started a garnishment behind my back after I contacted them multiple times. I keep all correspondence because of scammers like the two companies.
Consumer complaint received 2024-01-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

I was trying purchase a home I was sent documents and everything it looked so legit I paid the first month and last month rent and also the security deposit all which equaled up to XXXX On XX/XX/2024 I wire a payment of XXXX XXXX dollars to and TD BANK ACCOUNT HERES THE NAME AND ACCOUNT NUMBER NAME XXXX XXXX Account number - XXXX Routing number - XXXX The other Wire was On XX/XX/2024 a paid ment for XXXX was wire to NAME - XXXX XXXX Account Number - XXXX Routing Number - XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened an account with Capital One XXXX XXXX. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681a1 " Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ''. Attached are my credit reports which will clearly show inaccuracies in payments and balances as well. 15 USC 1681 604a states that any consumer reporting agency can only furnish a consumer report with my written permission. 15 USC 1681 602a4 states that I have the right to privacy.
Consumer complaint received 2023-06-16
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)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-03-24
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or delete them immediately in my report : 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 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

FCRA 605B mandates the elimination of erroneous entries from my credit record. Could you kindly review the paperwork? Several entries therein are erroneous in terms of their reporting. Compensation of {$1000.00} per inaccurately reported item on my credit dossier is due.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

you close my case and that is not fair, where can we go for the solution bank look only looking at their benefit. 


We 100 % disagree with your decision. Everything is happening on account of your negligence. 
- When the new ip login happened you did not inform us. You did not take any communication as I am the 1st Account holder. 
- You did not watch my payment history I never paid Big amount to third party We are using only XXXX XXXX, according to the document you sent there was a ip address that access XXXX account the account where the payment went from, XXXX if you track the ip address you can clearly see its from XXXX and its from XXXX where our ip address is from XXXX XXXX Two different companies. How can you say I did this when I am showing you proof there was a different login from a different place. 
- You clearly didnt look into this properly and it is your mistake 100 %. 
We have been doing online banking with XXXX, XXXX XXXX and XXXX bank for the last 10 years. We have very good knowledge to do online banking and we never get any fraud problems. 
Your banking system has a fault so a third person comes into my account and you release payment. I have been holding a steady balance for a longtime and you did not look at the payment style of holding balance and release {$6600.00}? 
- When I went to file a police complaint other people are also losing big money, I found that and they are coming to file a police complaint What is your action against the fraud person still you did not give us a perfect name and address of the person- Did you file a complaint to the internet crime complaint center to recover my money? If yes, give me the supporting documents. 
- Did you file a complaint to the federal bureau of investigation to recover the money? If yes, please give me the supporting documents. 
Please mention your steps and action with the fraud person and communication with any government or police department. 
I dont see any action from your end, you just negligence and took a decision in your bank 's favor. How will we live without money? 
I submitted all supporting documents, Filed police report, did the affidavit etc.. 
You can not close the case until I get my money. You are the organization and have power to fight fraud people - you closing the case means that you are inspiring the scammer to do more and more fraud again and middle class families like us are losing their hardworking saved money.
Consumer complaint received 2024-01-19
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 (MN)

I received communication from a Bank of America representative on XXXX I was told I would be contacted by someone to help me within XXXX days after filing my last complaint, which never happened. Over a year ago, I notified Bank of America as soon as the transaction took place to reverse the transactions due to my being scammed through the XXXX XXXX  and my bank account. I had to open a new account, create a further XXXX authentication, and log in to my online app. I provided them with details that the scammer was saying transactions were not mine to make funds available to steal them through the XXXX XXXX  and then transfer the funds to a different XXXX XXXX. I spoke to XXXX in the escalation department today after finding out that Bank of America had XXXX funds for my children taken out of an account to pay for this fraudulent transaction. I asked if I could pay on Friday, and here I go again, continuing to settle for something that. I don't owe, and if they could make those funds available. I have been paying voluntary and involuntary payments to the bank for someone stealing my funds and felt robbed again this morning. XXXX then began to belittle me and try to insult my intelligence in protecting myself and became insensitive, telling me the debt was valid. I became livid and felt picked on after I advised him to note again that this debit was fraudulent, which he did not do. I notified the bank of this issue while scammers were hacking my account in real time to stop them. I'm a victim of fraud and am not being protected. I'm filing a lawsuit as I feel completely taken advantage of. Paying for a fraudulent transaction has caused me so much stress and inability to pay bills to provide for my children and also emotional distress. My bank is taking advantage of me after delivering all the proof, and they will not help me! At this point, I have reached out to the Minnesota Attorney General 's office, who informed me to contact the Office of the Comptroller of the Currency ( " OCC '' ) and the Federal Trade Commission, which I will reach out to today. I have already also, at this point, filed a lawsuit as this had caused me much stress and inability to care for my children during times of hardship when they collected money ; also, the way the collection agent XXXX spoke to me, which I have recorded I can't live down ; at this point, I need to advocate for myself because now I'm paying twice for being a victim of theft. Bank of America hasn't responded in over a month from the date they told me someone would reach out. They haven't responded to the Attorney General 's letters either, the second letter, which followed the first, regarding the fact they still have not responded ; the same is true with me ; they still have not responded.
Consumer complaint received 2024-01-23
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: National Credit Adjusters, LLC (TX)

This is in response to CFPB complaint XXXX. NATIONAL CREDIT ADJUSTERS stated that they have ceased communication, but failed to address where I stated that the original creditor informed me that this debt does not belong to National Credit Adjusters, but it was sold to another company. National Credit Adjusters stated that they are waiting on confirmation from the original creditor, but my initial complaint was sent in XXXX. If you have not received confirmation by now, that is not my problem, and my consumer report should not suffer due to the lack of communication between your company and the original creditor. The continued reporting of unverified information not only damages my creditworthiness but also constitutes defamation of character. Given the persistent non-compliance with FDCPA guidelines, I must inform you that I am left with no recourse but to pursue legal action against National Credit Adjusters to seek relief, damages, and corrective measures. I am also aware of the lawsuit filed against your company in XXXX by the CFPB where your company engaged in frequent unlawful debt collection acts and practices that harmed consumers, including but not limited to, representing that consumers owed more than they were legally required to pay, which is the same event that is taking place in my situation. Furthermore, NCA is barred from certain collection practices. Lastly, this account was opened in XXXX the statute of limitation in the state of Texas XXXX 4 years. This debt is uncollectible as of XXXX which is also illegal and another violation. As stated before, I am demanding that this account be deleted from XXXX and XXXX immediately. Original documentation bearing my signature for this alleged debt was never presented. I have documented our communications and the specific instances of non-compliance, which will be presented as evidence in any legal proceedings. Remove the following account from my credit report within XXXX  days : XXXX
Consumer complaint received 2024-01-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (GA)

Specialized property management have unlawfully taken action against my credit for a claim that was approved and already paid to them from XXXX XXXX. I have agreed with XXXX XXXX  to pay cleaning claim of a property rented. XXXX approved the claim for cleaning to XXXX of {$400.00}. Based off my documentation, pictures and videos.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (GA)

I have been affected by inaccurate information reported to creditors by both XXXX and Lexis Nexis in addition to working as criminals with bugs that they have in place in the Major Credit Bureaus, XXXX, XXXX, and XXXX. The inaccurate reports are costing me denial of services along with high payments for the least coverage in Auto Insurances quotes and Housing. I am a XXXX XXXX XXXX XXXX Electronic Harassment, Home Invasions, Vandalism, Identity Theft, Cyber Bullying, Financial Obstruction, Hacking and more by a Criminal Organization I am asking for you to please intervene on my behalf. The home recently sold under XXXX is paid in full. This is not being reflected as closed paid off on none of the credit bureaus. In addition, Lexus Nexus is reporting that I had an accident and have XXXX points on my driver 's license which is not true and proved by the Insurance company XXXX XXXX and XXXX XXXX. Theses lies are being reported to potential Car Insurance which is causing high quotes or denials. These Companies also are calling and requesting information on my credit without approval. I don't know these companies and request that they have no access to my financial information due to sabotage. Also these people are working with Moles in the 3 Major Credit bureaus to help sabotage my credit. Please Help NOW!
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NC)

My mother added her roommate to her checking account. She died on XX/XX/year> and only one night before my mother passed, the roommate died on XX/XX/year>. I have been appointed responsible person/executive of estate by Probate court in XXXX I went to the bank with all the proper documents. They advised me that XXXX of the money in the checking account would go to his surviving family ( sister and and brothers ) unless their responsible person presented the proper documents from Probate and a disclaimer of interest in claiming funds from her brother 's part of the account and have it notarized. The roommate had no real property, only a different checking account so his sister didn't have to go to probate. I'm not sure if she'll even go through all the hassle to help me get the other XXXX of my mother 's money and I need it in the EstatXXXX account to pay her bills. Every deposit made to her account was made with my mother 's money. He attributed nothing to her account and took a lot of her money out of it while he had a personal checking account of his own that my mother wasn't entitled too. I'm not sure of the exact date when she added him but I know it's been within the past 2 years when she was not of sound mind. She was almost XXXX when she passed so she probably added him when she was XXXX or XXXX. It was my understanding from the bank in my first visit all I needed was proof that I was named the Responsible person from Probate, her death certificate and his death certificate. No one told me that his heirs were entitled to XXXX her money. 
My question is how can the bank hold XXXX her money when he never added any money to and he is deceased? How can it go to his sister and brothers, if they claim it, when my mother was the primary holder of the account for many years?
Consumer complaint received 2024-01-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (MD)

The original creditor XXXX XXXX XXXX XXXX XXXXXXXX Sold the debt to a debt collector other than national credit adjusters that is reporting on my credit {$910.00}. National credit adjusters has been notified numerous of times that they are not authorized to collect on his debt.I have found numerous of disputes with the credit Companies about this debt.
Consumer complaint received 2024-01-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

I am writing to bring to your attention a matter of identity theft that has affected my financial accounts. I have discovered unauthorized accounts opened in my name without my knowledge or consent. I am a victim of identity theft, and I am seeking your assistance in blocking these fraudulent accounts from my credit report, per 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 

Below are the details of the unauthorized accounts : XXXX XXXX XXXX NATIONAL CREDIT ADJUSTERS , L.L.C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT ADJUSTERS , L.L.C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I contacted NCA on several occassions and asked them to verify the debt, provide proof of purchase from the original creditor and all associated documentation, I also asked them to stop threatening to sue me or arrest me for fraud, however, I still get unwanted calls and letters from them regarding this debt. I never had a contract with National Credit Adjusters , LLC or any company they are affiliated with and can confirm that I am a victim of identity theft and data breaches. I would like these accounts removed from my credit reports. Disputes have been made with the XXXX XXXX dating back to XX/XX/XXXXXXXX  with no update now provided information/documentation. This is a violation of FCRA. Further, Per the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2.
Consumer complaint received 2024-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2024, I made a purchase for {$84.00} and requested use of PayPal Pay in 4 option. The entire amount was sent to the vendor before I received credit denial from PayPal. The denial was based on " bankruptcy which included PayPal '' - erroneous information. I previously used this credit option numerous times and received from PayPal " Congratulations, all Pay in 4 payments have been completed ''.