davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NV)

XXXX Have a sales rep from Discover til me to open Business Discover Card as it's better for business owners. I said I have great credit and confirmed it will not be reported on personal and is true Business Card reported on my ein. The rep said it would not. 2 weeks I see my credit has gone down from XXXX to XXXX XXXX Inform Discover Business its being reported on my personal and new rep states he is not aware of how that works and I let it go XX/XX/XXXX *Discover Business account has log in problems and balances do not seem accurate Call Discover Business to ask XXXX released deposit hold and no charges were made from them. Rep confirms no charges are on from XXXX XXXX Call to confirm no charges were placed from XXXX. XXXX says no charges were placed XX/XX/XXXX I finally able to log-in and see had transaction from XXXX for XXXX placed which was mistake as Insurance had paid them directly, Call Discover to start dispute XXXX Call Discover to confirm on dispute for XXXX double billing and and to open dispute for merchant that had gotten me sick from health code violations. 
-Discover rep is constant giving me misleading info and ask to speak with his XXXX. He continues to argue and tell him I am sick ask him please to pass me to his supervisor as it's difficultfor me to talk. He keeps me on hold for long periods of time and we get into argument. 
XXXX After getting no help and being misled, Call Discover Baxk to ask about my current balance for payoff and now getting different answers conflicting and ask to speak with supervisor for commutation of many direct matters from misleading sales reps, in accurate information, log in issues. I said this is illegal and as consumer and shareholder of 4 years demand a call back from executive office. 

XXXX Get letter with no warrant outside I was being rude that Discover is closing both my accounts. I speak with someone finally in executive office and the investigator has no facts or knowledge of what actually transpired. I let them know I been great customer of consumer card and was misled into signing up for Discover Business and the reps in Discover Business are very unknowledgable and often contradicting what another reps says. I signed up for Discover Business to help my business not only did effect credit as consumer but never get honest answer. I have had many credit cards including Discover Consumer and never been misled to this degree. Them closing both my accounts will only damage my credit and in statements made by rep feel this is retaliatory against my credit and grounds for defamation. If I did not have near perfect score and looking to buy house and feel this threat and illegal as credit card and bank.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I contacted XXXX to find out that an account, line of credit, and credit card had been open in my name that are all fraudulent with XXXX. Bank account have a balance of {$370.00}, Line of Credit have a balance of {$21000.00} and Credit Card with a balance of {$6100.00}. I have contacted XXXX and TransUnion about this issue and have received the same inaccurate results.
Consumer complaint received 2021-03-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

called customer service at Chase bank XXXX and local branch XXXX. Both lines stated they are busy and did not pick up, hung up on me. XXXX XXXX stated this phone issue was " beyond their control ''. 

XXXX phone requires that a debit, account number or user ID be entered. User ID doesn't work and debit card is not activated and I don't memorize a checking account number. Automatic system requires one of the above 3 items to get transferred to CSR for account servicing, or customer is hung up on. 

I am unable to track and receive a XXXX payment. This was the reason for call today. This has been a problem in the past with not receiving XXXX payments. This electronic transfer of funds is slow and inconvenient. Not quick as bank advertises in XXXX ads and banners online.
Consumer complaint received 2021-03-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CT)

I attempted to withdraw my funds from Coinbase of {$320.00} and after 10 days they have not submitted the funds to my bank account nor are they available to speak to. The only responses I have gotten from them are via email where they claim " we are looking into it ''. Apparently Coinbase has done this to thousands of people now. How are they allowed to continue operating?
Consumer complaint received 2021-03-17
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. (PA)

I recently submitted a report with FTC about how I can recover from being a victim of identity theft I pay ALL my bills on time and always been a person that I considered to be a reasonable person as well. I filed a police report and was only provided with a report number the FTC told me to file a complaint because If I'm gon na file a lawsuit I'm going to need it. I here asking for help because this matter have been destroying my life and now I'm ready to fight back because It seem like the more account the credit bureau have on your file the more money they will make but in the presses it's destroying American citizens lives. I am also submitting my idenification card to prove my idenitity along with my FTC
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I had a collection account showing on my Experian credit report, I tried to dispute the account online many times, because it was really unfair to have this account on my report because the moment the collection agency contacted me I paid in full especially the orginal creditor is from a foreign country who sold the account to the collection agency. 

However, the account was removed from my report on XX/XX/2021 and now its back in my report!!! How is that possible!!! When I was speaking to dispute XXXX from Experian she said it wasnt removed!! How is it possible they play with my credit report?!!
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I settled my balance with Capital One on XX/XX/XXXX. The balance was : {$11000.00} and the settlement amount was {$3600.00}. The confirmation number for this settlement is # XXXX. This amount was withdrawn from my bank account on XX/XX/XXXX. ( see attached letter ). After that Capital One claimed I still owed them the unpaid balance of {$7800.00}, even though case was settled in FULL. I called Capital One to confirm our settlement, but they referred me to the law firm listed below, saying I need to talk to them. Which I did and then they sent me back to Capital One. Basically getting the runaround from both companies. 
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX, XXXX informing me that a lawsuit was filed against me in XXXX Supreme Court. Capital One is attempting to collect this debt. This lawsuit is having a negative impact on my credit and is causing me tremendous financial hardship and stress. I did my part and settled my FULL balance as per agreed settlement with Capital One.
Consumer complaint received 2021-03-17
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. (TX)

Yes I looked over my credit reports, thanks to the weekly Free Credit report by XXXX XXXX XXXX  and see that there are unauthorized inquiries reporting on my credit reports by the Experian, XXXX and XXXX.
Consumer complaint received 2024-02-28
Product: Credit reporting 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. (MI)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. 

Here are the inquiries listed below. 

Account Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I wrote to each bureau on XX/XX/21 and as of today over 50 days later I have not received any notification of investigation. I feel like Im on a hamster wheel being transferred to someone else every time I called. I recently pulled my report and noticed a few inaccurate items, in my research I saw it is illegal to report inaccurate items per FDCPA. I also learned that my information was compromised by the XXXX data breach. Now more than ever I believe my information may have fallen into the wrong hands. Your timely assistance in this matter ill be greatly appreciated.
Consumer complaint received 2020-08-03
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Berman & Rabin, P.A. (MO)

I was served by XXXX XXXX County back in XXXX 2020, I never received anything from this company prior. I called Berman and Rabin the collection office and spoke with XXXX. He refused to send me documentation pertaining to this suit. He told me that if I didnt want to pay thats fine go to court. I attended all court dates and then set up an payment arrangement. They never sent the paperwork via mail to get notarized by mail. I was told not to show up to court after I made the payment to be told that a default judgement has been entered against me. After emails and calls I was contacted todayXX/XX/20by XXXX who yelled at me and threaten me after I questioned why I was being charged court cost after they never sent my account to abitration.
Consumer complaint received 2021-03-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/XXXX regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-03-17
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. (MN)

This account is not mine, I did not purchase anything from this timeshare company. They have been billing me and I've made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this with the credit bureau and had no resolutions. XXXXXXXX XXXX took my information they had on file and fraudulently used it without my permission to open this account. They have been reporting this inaccurate account and it is hurting my financial stability. This is a scam. I demand this to be thoroughly investigated promptly. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX but Ive had no responses. Ive sent out requests to Experian into the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2021-03-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Automotive Financial Services (FL)

THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$7500.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
Consumer complaint received 2021-03-17
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. (CA)

Equifax & XXXX are violating Metro 2 XXXX for collection companies NOT reporting where the debt is coming from ( Original Creditor ). It clearly says in Metro 2 debt buyers must report the original creditor Name. This lets the consumer know where the debt is coming from. I have disputed this violation with XXXX and Equifax. They both refused to fix, delete the collection account from XXXX XXXX XXXX and XXXX XXXX. That is reporting the account inaccurate. I have attached the violation and the Metro 2 policy.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

I found out about the problem with my CITI Bank checking account ( XXXX ) on XX/XX/22. 
I went to nearest branch of CitiBank and found out that my account was hacked. 
The hiker changed all contact information on my account. 
My account was hacked and total {$25.00} was stolen. I submitted the police report on this amount to be refunded. The wire transfer amount was returned by Citi Bank. 
But 4 NOT- authorized XXXX XXXX each of {$500.00} ( on XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22 ) ( total is {$2000.00} ) are still not refunded. 
I have been a valued client of Citi Bank for more than 20 years. 
I have never used XXXX from my Citi Bank account. 
The matter is still not resolved
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Brett M. Borland, P.C. (TX)

The Law Office of Brett. M. Borland P.C. willfully, diligently and deliberately violated federal law by attempting to collect this alleged debt and furnishing a deceptive letter. They vaguely responded to my last CFPB complaint which included my first Affidavit of Truth by stating they are no longer handling this account. This does not excuse this Law Office 's blatant violations of federal law. There is no statute of limitation on fraud as they should well know. They might attempt this deceptive response tactic once more with this CFPB complaint. I have included my newly updated second Affidavit of Truth attached below which they received and signed for on XX/XX/2021. As outlined in my both of my Affidavits of Truth now in their possessions the Law Office of Brett. M. Borland P.C. has broken countless federal laws which I have carefully explained and narrated in both documents. All my remedy demands outlined in these documents are demands and not request as is my right as the federally protected consumer and natural person. This company is currently causing me lots of injury any further delays and illegal actions by them will only worsen this matter for them as I progress through my private administrative process. This second Affidavit of Truth serves as my second step in my private administrative process to resolve this issue. The Law Office of Brett. M. Borland P.C. is delaying and acting like these issues ( their blatant violations of federal laws ) will go away if they stay silent and like they can get away with it. However, as I diligently move through my private administrative process things will only get worse your firm in the near future. You have time to resolve all outstanding issues by providing all my outlined remedy demands which includes paying the attached invoice. Again these are all demands and not request as the original creditor, federally protected consumer and natural person pursuant to 15 USC 1692c ( c ) ( 2 ) of the FDCPA and under Title 15 Chapter 41.
Consumer complaint received 2018-06-13
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: Preferred Collection and Management, Inc. (FL)

I have disputed these account entries with the credit bureaus and The XXXX XXXX alike. Per my credit report, these entries were opened with The XXXX XXXX in XX/XX/XXXX. They began reporting these entries on my credit report in XX/XX/XXXX ; however, I never received any communication from this company that they were attempting to collect this alleged debt. I have never heard of this company nor have I ever did any business with them whereby a contract was signed. By not receiving a dunning letter, this is a direct violation of my rights. How am I to dispute the validity of an account if I am never notified. Had I not retrieved a copy of my credit report recently and noticed these inaccurate, unverifiable account entries, I would not have known they existed. Upon retrieving my report, I sent a certified letter with return receipt to The XXXX XXXX requesting that they validate this debt. I received correspondence from the XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX whereby they attempted to respond to my dispute. 

Preferred Collection and Management provided copies of documents that are in violation of HIPAA as well as only reflecting a balance of XXXX which is contradictory to what they are reflecting on my credit reports. The balance for the 2 account entries are {$210.00} each ( Total {$420.00} ). How then are they saying they are verifying the account entries. THIS IS A LIE AND DECEITFUL!! Further, if XXXX XXXX XXXX XXXX XXXX has access to private information regarding the nature of the visit and exams and the facility ; where is the financial responsibility page that they should have whereby I granted permission/consent for XXXX XXXX XXXX XXXX to disclose this information? I requested a copy of all paperwork that was sent to me regarding this alleged account as well as a copy of any documents that bore my original signature. To date, to no avail. How then is this company reporting that these account entries are valid? 

I am aware that HIPAA allows for certain information to be shared with 3rd party collection agencies for the purpose of collecting a debt but NEVER does it allow them to disclose confidential information without written consent. Preferred Collection does not have this information and were negligent in their reporting this entry as well as in the information they sent. 

This company continues to blatantly violate my rights. I am requesting that this erroneous, inaccurate, unverifiable entry be DELETED from my credit reports IMMEDIATELY!