davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

I own a Coinbase account. I send my salary to my account and suddenly, coinbase restricted my account, I'm not able to withdraw my money. This was without previous notice, without infringing any law, and without a cause nore explanation. They just decided I can't take my own money out of the site as I was doing in the previous months. I tried to solve it with their help desk but it's just a robot that repeats the same useless information. The mailing options is the same, just an automatic helpless response Withholding my money in this way is not only arbitrary but illegal and completely out of character. I demand a solution to this unjustified restriction under penalty of taking legal action in this regard They are violating my rights.
Consumer complaint received 2022-06-01
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: JPMORGAN CHASE & CO. (NJ)

In appx. the beginning of XX/XX/2022 XXXX Chase XXXX card offered a bonus XXXX miles plus a statement credit if {$4000.00} was spent in 4 months. I charged nearly {$8000.00} so all requirements were met on my end. After not receiving any reward except the statement credit I called and was advised that promotion was over and I would only be receiving XXXX bonus miles. I have called to rectify this matter at least 3 times and each time they send a letter saying that the account isn't eligible. All 3 representatives plus a supervisor has told me that this is a constant complaint and they can see that at the time of my application that this was a valid offer, and Chase XXXX  should have no problem in crediting my account with the remaining XXXX miles. But now yesterday I was told they can't help me and their marketing department ruling can no longer be disputed. I believe this to be an unfair practice and I am looking for assistance.
Consumer complaint received 2022-12-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (TX)

I was contacted by a collection agency called MRS BPO. They have sent me numerous text messages and emails regarding a debt I do not recognize. I sent them a request for debt validation via email, US Mail, and text message and they refuse to validate the debt and have never responded to my requests to provide proof of the debt.
Consumer complaint received 2022-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

Long story short. I am due a refund from pslf loan forgiveness and the dates are very wrong. They want to refund me from XXXX of 2021 till now. I know for a fact they owe me from XXXX of XXXX not XXXX of XXXX so I filed a complaint. Nothing was ever done or resolved and they closed my case! This is not over and I have filed another complaint with the us dept. of education. I also sent a notice to Attorney General of NYS. I also had the ombudsman group work on it and they also did nothing and closed my case. My loans have been forgiven but they have not refunded my over payment.
Consumer complaint received 2024-02-17
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)

On XX/XX/2024 I saw that my Experian score decreased by XXXX points. I clicked on the see what changed button and I only saw that my XXXX  XXXX credit decreased from {$41.00} to {$0.00}, I thought this was stranger because paying off a card usually is a good thing and other credit bureaus did not decrease my score. It was alarming because XXXX XXXX reported this on or about XX/XX/2024 to the other credit bureaus. This isnt the first time Experian just drop my score and nothing negative has happened. This happened back in XX/XX/2024. I called and spoke with an Experian representative and asked her why did my score drop by XXXX points and there was no negative reporting. She said I would have to hire a financial advisor. I told her to cancel my subscription ( {$9.00} a month ) since she refuse to talk to me. She told me she canceled my entire membership and I could not see or log in to see my information. I exclaimed to her I asked that she cancel my subscription not free membership. This action caused me another XXXX points decrease. I feel that Experian just cant drop my score by XXXX points and there is no negative action being done by me. They gave me a boost on XX/XX/XXXX and everytime they give me a boost a few weeks later they drop my score and there arent any clear reasons why. This needs to stop. After I called them and this happened, I got anothet strange notification under see what changed and it said I had an account increased by {$1300.00}. This is not true. Force them to put back my XXXX points. This is not in accordance to the fair debt act. Experian needs to do away with boost bc they give it to you then take it away without justification. They are the only credit bureau that I have this problem with. What account increased by {$1300.00}. Also, the accounts that are self-reported dont have a balance so this information is false.
Consumer complaint received 2024-02-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC. (LA)

In XXXX XXXX  XXXX I discovered that Midland credit management sent notice to the 3 credit bureau 's that I owed {$310.00} - I didn't know anything about. I disputed this with the credit management company and the 3 credit bureau 's. The result of the dispute was that it was me that made these charges. I called midland credit company earlier XX/XX/XXXX to pay off this {$310.00}. I was told the account was in dispute and they could not accept my payment. I was told to call back two weeks later. I called two weeks later to pay the debt off and was told that the account was in dispute and I couldn't pay the debt off. I was told to call back on XX/XX/XXXX. I called on this day to pay the debt off. I was told that I could not pay the debt off today because it was in dispute. I am trying to clear up this account. I have always had excellent credit. I need this company to take my payment to clear up my credit. Every month they send notice to the credit bureaus that this account is uncollected and I am tiring to pay it off.
Consumer complaint received 2024-02-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (AL)

Account opened Date ; XXXX Amount owed ; {$64.00}. Im not liable for this debt with XXXX XXXX XXXX. I do not have a contract with Credit Collection Service.They have not provided me with original contract as I requested.
Consumer complaint received 2022-06-01
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. (VA)

I recently received a copy of my credit report and I noticed multiple billing errors. 

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

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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you can't apply that information then it is false allegations and you are in violation. i am entitled to {$1000.00} per violation.
Consumer complaint received 2022-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (FL)

About a month ago, I received a XXXX letter from A.R.M. Solutions concerning a purported debt of {$200.00} incurred by me in XXXX with a merchant ( XXXX XXXX XXXX  ) with whom I have never done business. I immediately replied by mail to the office and address provided in the letter, refuting the debt, and advising the company to desist from any further collection efforts. 
Yesterday ( XX/XX/XXXX ) i received a similar dun letter, without any acknowledgement of my previous correspondence, again demanding payment of this non-existent debt. 
I want this harassment to cease.
Consumer complaint received 2022-06-01
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: EQUIFAX, INC. (VA)

I recently received a copy of my credit report and I noticed multiple billing errors. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you can't apply that information then it is false allegations and you are in violation. i am entitled to {$1000.00} per violation
Consumer complaint received 2021-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MI)

I have been paying on a debt that i thought was XXXX XXXX  only. when i questioned the debt collector company they told me the debt is for discover and an auto loan. I've never purchased a car nor have I ever signed or given authorization for my name to be used to purchase a car. In between XXXX & XXXX my purse was stolen with all my identification & credit cards. I made a police report back then police say that report is not in their computer system. I went to the DMV for them to print up any Titles that were ever issued in my name. They told me I have to give the vehicle vend number of the car that I never purchased and the only Title they show in their system for me is what I'm driving now which is a XXXX XXXX with almost XXXX XXXX miles on it and it was a gift to me. Please help this old lady fix this problem.
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (PA)

I don't believe that there's been an actual investigation on these accounts, and you've failed to furnish any documentation that prove they are reported correctly. Because of this, I need for you to perform an independent investigation and go beyond the original source of information to ascertain the accuracy of my accounts. I would also like to see any and all documentation that was used in the previous investigation as well as the documentation that you are required to have on file prior to the reporting of this account to ensure accuracy. I am getting really frustrated, because you keep telling me that I'm wrong when I'm sending you info taken directly from my credit report! This is exactly what you are reporting and I'm pointing out the errors, so how am I wrong when it's what you're showing me? Explain to me how these can be verified, then updated and continue to report inaccuracies? Every account listed below came back verified by YOU and UPDATED by YOU, and still report inaccurate items! Delete the following from my credit report immediately! 

XXXX # XXXX date last active XX/XX/XXXX. Experian date last active XX/XX/XXXX DELETE XXXX # Date opened XX/XX/XXXX. Date last active XX/XX/XXXX. DELETE XXXX # in Date open XX/XX/XXXX. Last date active XX/XX/XXXX. DELETE XXXX XXXX # Experian last payment XX/XX/XXXX. XXXX last payment XX/XX/XXXX. DELETE XXXX XXXX # Experian last date active XX/XX/XXXX. Last payment date XX/XX/XXXX. DELETE XXXX XXXX # Account was opened XX/XX/XXXX. Last activity XX/XX/XXXX. DELETE XXXX XXXX # Account opened XX/XX/XXXX. Last date active XX/XX/XXXX. DELETE THE XXXX # XXXX active date XX/XX/XXXX. Experian active date XX/XX/XXXX. DELETE XXXX XXXX XXXX # Account opened XX/XX/XXXX. Last active XX/XX/XXXX. DELETE XXXX # Experian last active XX/XX/XXXX. XXXX last active XX/XX/XXXX. DELETE XXXX # Experian last active XX/XX/XXXX. XXXX last active XX/XX/XXXX. DELETE XXXX XXXXXXXX # XXXX last XXXX XX/XX/XXXX. Experian last active XX/XX/XXXX. DELETE XXXX XXXX # Experian last active XX/XX/XXXX. XXXX last active XX/XX/XXXX DELETE XXXX # Date last active XX/XX/XXXX. Last paid date XX/XX/XXXX. DELETE XXXX XXXX XXXX # Date open XX/XX/XXXX. Date of last activity XX/XX/XXXX. DELETE
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

TransUnion have incorrect Address on they reported stoping me from uptain credit card an home loan an why I can't contain a correct credit score everything must be correct I requested everything should be removed off my credit report due to false address an name should appear what on my driver 's license XXXX XXXX XXXX no lot my name it's XXXX XXXX what's on my state issue identity card
Consumer complaint received 2022-06-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FlexShopper, Inc (MA)

Flex Shopper calling 12-15 times per day, everyday for a {$60.00} debt. 
Calling from various Rhode Island and New York phone numbers. 
Asking me to confirm information for the debt, when they calling me, so I refuse to give or any payment over the phone, as I cant be guaranteed its not a scam. 
I told operators numerous times to stop calling and send official mail, if they like to settle claim, they refuse and continue to call many times per day and even putting my work position in jeopardy due to the high calls. 
i have my phone loggs to prove this harrassment by Flex Shopper & furthur will NEVER do business with them ever again, nor do I recommend anyone i know to do business with them.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is a real live person just trying to live their life. Within my right as a citizen I am trying to refinance my home and purchase a car. Because of the XXXX XXXX XXXX XXXX  my score is still going down. 

Explain. I opened a XXXX XXXX XXXX and XXXXXXXX XXXX XXXX for use for my grandchildren. Shouldnt be anyones business. Immediately reported on my credit report. 

I opened an XXXX Account for business. I got hit with points for opening new accounts I paid down accounts got 2-3 points Put in an application for a car loan a couple of places- got points taken away Creditor pulled Transunion I got rate of XXXX XXXX I got rate of XXXX Put in for a home loan - got points taken away XXXX XXXX XXXX is still reporting the XXXX Payment I previously disputed! 

Whats Fair about this? 



I
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NJ)

I hope this notice finds you well. After careful review of my consumer report again, I still noticed that you continue to furnish false, misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You have violated XXXX Compliance procedures and format for reporting! And youre reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of XXXX. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from all consumer reports including XXXX, XXXX, XXXX, XXXX and XXXX. And according to the documentation provided by the XXXX of XXXX XXXX XXXX XXXX XXXX, there is no record of any XXXX from any company against me. I have supporting documentation from the XXXX of XXXX to validate my claim. I also have proof of public legal notice, that all the liabilities been transferred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS and is you continue to violate my consumer rights, I will accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached
Consumer complaint received 2022-06-01
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. (MS)

In accordance with the Fair Credit Reporting act XXXX 1.XXXX XXXX Account # XXXXXXXX XXXX,2. XXXX XXXX XXXX Account # XXXX, 3. XXXX XXXX Account # XXXX & 4. XXXXXXXX XXXX Account XXXX has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2019-07-05
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: Experian Information Solutions Inc. (MD)

RE : Experian hindering/obstructing investigation of illegal Hard Inquiry on Credit Report Dear Sir or Madam : In XX/XX/2019, I received a copy of my FICO Score from XXXX XXXX which showed that my score had dropped to XXXX from a lower XXXX range. As you know XXXX is the highest FICO score. I was most curious about this, as I had not opened any new accounts nor made any major purchases. 

I contacted Experian and found to my surprise that there was a Hard Inquiry on my credit report, from a firm called XXXX , XXXX at XXXX XXXX XXXX XXXX, # XXXX, XXXX NC XXXX. Their inquiry was on XX/XX/2019. I have had no dealings with such a firm and would like to know how they acquired my name and address and why they were curious about my credit. See attachment, XXXX XXXX NC inquiry. 

The sentence above their address says when applying for credit or financing as a result of a collection this Hard Inquiry will appear on your credit report. I have never had any collection proceedings in my life and I knew immediately that someone had accessed my credit report illegally. If I had a collection, I would not have a FICO score in the XXXX range which I have had for years. The Fair Credit Reporting Act prohibits accessing someones credit report without their permission and it is a federal offense punishable by fines. Normally only an employer or a landlord would do this, and I have neither. I need to find out who did this. 

In speaking with Experian, they said I had to contact XXXX, to find out why they did this. I wrote to XXXX, XXXX in XXXX NC ( letter attached ) and also called them two or three times but they never responded to the letter or the phone calls. It makes me think their location is an empty office with a phone. 

I then contacted XXXX XXXX XXXX of the XXXX Law Firm in XXXX MD to see if he could make any headway finding out who put this hard inquiry on my credit report. He has also found Experian to be most uncooperative in helping us find the name of a person at XXXX who put this inquiry on my credit account. ( See letter from XXXX XXXX at Experian ). We are just going around in circles with them. There are no judgements against me now, nor have there ever been, nor collections against me. XXXX XXXX just referred us back to XXXX and they do not respond. 

Experian has to have some document or documentation from XXXX, XXXX or the name of the person at XXXX and their personal contact number who submitted this hard inquiry for my credit report. I can not believe they just would accept a credit inquiry anonymously or without some proof of the need of such a credit inquiry. If this were so, anyone could do this to someone else. Their failure to assist us in this investigation of a Federal offense is alarming. XXXX XXXX has also tried to speak with XXXX XXXX by phone but she did not return his call.
Consumer complaint received 2018-10-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc. (GA)

I saw an advertisement for refinance a mortgage at 2.75 % and 2.82 % apr on XXXX. It had the number to call and when I called the number it said it was a XXXX number. The lady asked me what I needed and I told her about the ad and said that it was too good to be true. She said that it was a real rate from one of her partner companies and transferred me to XXXX XXXX  and the operator there said that it was not a real rate and tried to upsell me. I called XXXX XXXX  and told them that it is advertising false rates and the gentleman said he would pass it along. Even today thir XXXX and popup ads are advertising the same false rate.
Consumer complaint received 2024-04-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (IN)

The auto was returned to the company in XXXX when the bankrucpty court order that be done. They have reported nothing till XXXX after they sent me a XXXX in XXXX and have the debit labeled as a charge off with a amount that is XXXX times what the auto cost.