davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-06
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: CITIBANK, N.A. (VT)

I lost my Best Buy credit card and I call them to replace it for me and now they open a new account for me wich i never requested or they run a new hard inquiry on my credit again wich is not normal and this really dropped my credit down. 
I just talk to them on phone a couple of minutes ago and they recognize that it was a mistake and theyre going to work on it. 
But my problem now is that they put a hard inquiry on my credit without my permission and my credit get harmed and dropped 74 points I really went this damage to be repair so I can get my points back because I really have a lot things to do with my credit and now because of this my plans cant work as planned.

Im planning to take this case to court incase i couldnt get my 74 points back. 
I need your advices.
Consumer complaint received 2023-05-11
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Consumer complaint received 2021-03-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (DE)

I have a debt which has a court ordered garnishment. I have asked for a balance and statement that shows what has been paid and what the balance is. I would like to see how the interest is being calculated. I have reached out to the company, but they have not sent me anything.
Consumer complaint received 2021-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

Im filing a Legal and Ethics Complaint against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, TX. XXXX. ( XXXX ) XXXX. & XXXX XXXX XXXX XXXX XXXX XXXX XXXX of TX XXXX. XXXX, TX. XXXX. ( XXXX ) XXXX, ( XXXX  ) XXXX. & Transworld Systems Inc. XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX, PA. XXXX. ( XXXX ) XXXX, for falsey, illegally filing a collection claim against me for nonpayment of rent, moving before my lease contract ended. XXXX XXXX XXXX XXXX denied me the right to correct the false allegations before sending the claim straight to the collection agency. There was no contact during or after my move from their property on XXXX XXXX, 2020. Thats the date I moved out in accordance to the end date on my lease contract, even though I was being threatened and stalked by a violent, dangerous male tenant on their property. I had to stay in that dangerous situation because XXXX XXXX wouldnt allow me to move under the Violence Against Women Act, there reason was because they didnt cause the problem. I have all the documents and emails to prove that the collection claim that XXXX XXXX XXXX XXXX filed against me was fraudulent. Im requesting information on how I can proceed with the complaint so that I may be able to get the removal of the claim from my credit report, because that has caused me irreparable financial damage.
Consumer complaint received 2021-03-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CO)

To Whom It May Concern, I set up an account with Coinbase either at the end of XXXX or the beginning of XXXX. At the time, I was working/living in XXXX playing professional hockey. I used my XXXX ID to set up the account and everything was all good. Then, I retired from playing hockey and came back to the U.S. I basically forgot about the account until just recently, but now, I can no longer access my account due to two reasons. First, the XXXX app that I used to access the account was on my old phone and no longer works when trying to log into my account. Second, when I try to recover my account, I can not because my current ID is from the U.S. The automated process that verifies someone's identity recognizes that I am who I say, but the ID is not from the country where the account was set up. 

So, on XX/XX/XXXX, I opened up a customer service inquiry with the website and got several automated responses, but nothing from a live human. There has been some back-and-forth and finally they said they were reviewing my case after I sent them some additional information. They said it would take 48-72 hours on XX/XX/XXXX and I haven't heard anything since. I have opened two other cases to resolve the issue and I would get one or several automated responses and then they just ghost me after that. 

I don't have a ton of money in the account, but I would like the ability to be able to access my money that I put into the account years ago. I do find it hilarious that this company is going public soon and at a $ XXXX valuation. They don't even have a telephone number where customers can talk to an actual human being. I have been going through their email process for weeks at this point and I am getting nowhere. 

Thank you very much for your time. 

XXXX XXXX
Consumer complaint received 2021-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (AL)

I entered into a lease with XXXX XXXX XXXX on XX/XX/2020 and due to maintenance issues with the property I had to terminated the lease less than 2 months into the lease agreement. I paid the amount due of XXXX which is attached. I also included a copy of the money orders indicating payment. I requested a copy of the money orders and asked property management to write paid in full on the copy of the money orders. The reason for the request is because they stated they will send me a copy of the receipt in the mail. I wanted proof that the account was paid prior to leaving due to the numerous issues I had with misrepresentation while being a resident. A couple of weeks later on XX/XX/2020, I received a call that I owed an additonal {$780.00} dollars. I provided proof of payments and the statement I received. They stated it must have been an error in the statement.
Consumer complaint received 2021-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Social Finance, Inc. (AZ)

In XXXX I opened a checking account with Social Finance ( Sofi ). 

I noticed they gave me the welcome bonus twice of {$50.00}. A week later the erroneous {$50.00} was withdrawn and I was left with a balance of {$50.00}. 

In XXXX I went to file my taxes with the 1099-INT and noticed it stated that I had received {$100.00} in income as a welcome bonus and not {$50.00}. I contacted Sofi in XX/XX/XXXX and they agreed to send a corrected 1099-INT form that would arrive in 5-7 business days. It's now been a month and there has not been a corrected 1099-INT form issued. I will now have to file either an amended return after the deadline and write a corrected number on Schedule C line 21. 

This is pretty infuriating they made this error and didn't solve the problem by sending an amended 1099-INT form. I have contacted them twice now and support doesn't know what to do. I now have a higher chance to be audited over this silly error and no one at XXXX XXXX is willing to help.
Consumer complaint received 2021-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I ordered a computer online at the end of XX/XX/2020 with a new BEST BUY CITIBANK CREDIT CARD that I applied for online. When I discovered there would be a delay in delivery for 2 months, I canceled my order. I have email confirmation my order was CANCELED. I was also sent emails my payment was denied. According to documentation I obtained from XXXX with the original tracking number XXXX the computer was delivered to Best Buy, XXXX XXXX, XXXX, TX. The computer was never delivered to my house because I canceled it. XXXX confirms the computer was never delivered to my house. I am being charged almost XXXX dollars for a computer I never received. 
When I went to the store the first time, they said they would investigate. I did not receive any feedback. Then yesterday when my husband and I went there they said the computer was delivered to my residence. The computer was never delivered to my house and I do not have the computer. Best Buy Citibank is charging me for a computer that I have never seen. They have been harassing me by phone and sending me bills ONLINE for almost a year and they are escalating the charge now to another agency. Citibank told me that I alone had to deal with Best Buy, XXXX XXXX in XXXX, TX. I have done everything they asked which was to contact the CARRIER, XXXX. 
This has caused me extreme stress and time.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AR)

Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Consumer complaint received 2023-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

I was notified via my XXXX credit report that a new collections account was posted. It was from a Credence Resource Manage- for XXXX XXXX in the amount of {$110.00}. It was posted to my credit report on XX/XX/XXXX. It said that I opened an account for 1 month with XXXX in XX/XX/XXXX and owed a total of {$110.00}. On XX/XX/XXXX I reached out to XXXX XXXX to understand where this account was coming from. I spoke to an agent name XXXX in Collections who had no information of me ever having an account. I then spoke to an agent name XXXX in Retention who by search of name, address, and social did not find any record of my having an account. I then contacted Credence Resource Management where a person asked me my name and could not find any information on me. He then asked me for my full social security number. I was highly nervous to provide that information as he had nothing with my name and birth date.
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST MIDWEST BANCORP, INC. (WI)

I opened a checking account on XX/XX/XXXX to qualify for a {$300.00} sign up bonus based on the following terms : " First Midwest is offering a bonus of {$300.00} when you open a new checking account and complete the following requirements within 60 days of account opening : Make 10 debit card transactions of {$25.00} or more Make deposits totaling {$2500.00} or more Enroll in online banking and e-statements Check your account balance on our mobile app Once all requirements have been met, a {$300.00} bonus will be issued as a credit to the account approximately 120 calendar days after account opening in branch or online. '' I made a {$2500.00} deposit on XX/XX/XXXX, enrolled in online banking and e-statements upon signing up in XXXX, logged into the mobile app to check my balance on XX/XX/XXXX, and completed my ten debit transactions of $ XXXX on XX/XX/XXXX. 

I messaged the bank on XX/XX/XXXX asking when I might expect to see the bonus. They told me I would need to speak to a customer care agent, and subsequently an agent escalated the issue to her supervisor on XX/XX/XXXX. 

I am now on day 134 since opening the account, with no sign up bonus posted.
Consumer complaint received 2017-09-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sound Collection Services (GA)

This debt was originally by XXXX XXXX XXXX but sold to XXXX XXXX XXXX it has an amount balance of {$2100.00} which I do owe and under the fair debt law this is illegal so I would have the results of removal from my XXXX and XXXX credit report it would be greatly appreciated
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I made two recent online payments total amount of {$1200.00} same way always make my payments for the past 10 years. The two payments that I made were made under the impression that the payments were going to be successful as they always are. And if there has ever been in issue in the past I always as a loyal consumer always makes my payments. I then realize that the payments that were made to Capitol One Credit Card never posted to my bank checking account. I then logged onto my online account and notice the two payments were returned. I then contacted Capitol One Credit @ XXXX @ XXXX to inquire what was going on with my account. The rep XXXX states there may be an ach hold on my bank account and to contact my bank to check. She also stated that the account wasnt closed it was open and just go online to make a payment on my account once I find out whats going on. I then contacted my bank immediately to inquire if there were any issues with my account such as fraud or holds for some that I wasnt aware of. The bank stated everything was good on their end and my account was ok. I also never also received any documentation via mail the same way I did receive a letter via mail stating my account was closed which was devastating because I had this account for 10 years and this will affect my credit. Thats something that I dont want. I worked very hard to be where I am and this type of discrimination towards me is not going to be accepted. I also gave the bank authorization to speak to Capital One in regards to this issue. They had call records and documentation that I called in regarding this matter. This was definitely not intentional in the way that Capital One Representative see it as. This was an honest mistake and my account shouldnt be closed. It should be reopened as I have done what I was informed to do to reopen my account which is making the payment in the amount of {$1200.00} which cleared, sending a copy of my bank statement to show that the numbers ( last 4 ) were similar and thats the account number that should have been on my account. Which has now been removed. Ive never been late on my card in the past 10 years which I did check my credit report regarding this matter and I have proof of that. I also looked at my statements for as long as Ive had this account and Ive always paid my bill no matter what. Im requesting that my credit card be reopened immediately as I was informed by the representative manager XXXX. In addition I was informed by XXXX Representative that was account was ok and not closed. It should have never closed to begin with. Please rectify this immediately. I hope we can avoid this being escalated further.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent dispute letters to Transunion and XXXX credit bureaus months ago and I have signed proof that they did receive the letters and I received no response from Transunion. In my letters to Transunion and XXXX, I submitted direct proof from credit reports of inaccurate information from all three bureaus which had wrong dates, inaccuracies with payment history and other violations. For e.g., 120 days late reported 30 days after an on-time payment was made, accounts closed from years ago still reporting a charge off every single month to this date and showing different account reporting dates from the three credit bureaus as well as collections that I have no knowledge of. For these collections accounts i would like documentation from the collection companies that reported these collections with my signatures, signed contracts that prove that these collections are indeed mine mailed to my address if none can be provided I want all collection accounts deleted. XXXX  have since deleted all inaccurate and closed accounts and collections and I am pleased with their investigation. I have made requests to have these same items DELETED from my credit file with Transunion and XXXX and its been well over 90 days and no investigation or follow up have been done from either of them. I am requesting that all closed accounts and unverifiable collections that can not be proved with documentation be removed from my credit report.
Consumer complaint received 2021-03-07
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. (NC)

I had the issue resolved and XXXX XXXX from XXXX XXXX XXXX investigated and removed the negative marks on my credit and I have letter confirming and it was removed. Now I see this month it is back negative on my credit reports.
Consumer complaint received 2021-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I place a credit freeze with the three credit bureaus and just did a release of credit only with Experian Credit I noticed that there are credit inquires that supposed be soft inquires that are reporting instead they are reporting hard and with they still place a hard inquiries.
Consumer complaint received 2021-03-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (NY)

Around XX/XX/XXXX I requested the closure and distribution of IRA CD Account Number XXXX.The amount distributed was {$12.00} less than the balance of the account on XX/XX/XXXX. I was not notified about the reduction and reason. The deduction was for excess payment of interest in XXXX & XXXX. 
Upon research I learned due to system problems the interest posted every month in XXXX and XXXX was incorrect, therefore the yearly detailed statements I received for XXXX & XXXX are incorrect. I am entitled to correct accurate statements for XXXX & XXXX and requesting a detailed statement for both years showing the interest each month. The statements I received for both years are not valid.
Consumer complaint received 2021-03-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2021 I received a letter from Chase bank saying they would be closing all of my business bank accounts with Chase. The letter stated they would be ending our relationship with Chase and closing our accounts. We received no warning and zero further clarification/information after contacting them via telephone and after visiting them at the branch. We believe this is unfair and unlawful business practices.