davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (IN)

Two collection companies ( XXXX XXXX XXXX ; Commonwealth Financial Systems , Inc . ), have filed inaccurate and erroneous information with all three of the major credit bureaus ( XXXX XXXX, and XXXX  ) on my credit files. XXXX XXXX XXXX ( XXXX ) is no longer affiliated with my account, even though they claimed to have been a creditor and owned this debt for over two years. I believe that XXXX sold this account at some time between XXXX and XXXX of XXXX to Commonwealth Financial Services, Inc. 

In XXXX ( XXXX ), I wrote certified letters to the three major credit bureaus ( XXXX XXXX and XXXX ) to dispute the accuracy of two delinquent items that had been on my credit reports. One item was a credit card bill, and the other item was a medical bill. The credit card bill was quickly removed. The medical bill did not reappear back on my credit reports until XXXX ( XXXX ). The credit bureaus sent me a report stating that the debt appeared to be valid based upon their investigation. I then sent a certified letter to the collection agency Commonwealth Financial Systems , Inc. ( CFSI ) to validate this proposed debt, along with them sending me copies of the assignment contract, licensing information and any original documentation from the original creditor ( XXXX XXXX XXXX ). CFSI only provided its internal reference number, the original creditors name and address, an account number ( altered to disguise the actual number ), the service date, amount due ( inaccurate ), and the current creditor ( XXXX XXXX XXXX XXXX, XXXX ). CFSI also attached a billing statement of charges on the current creditors letterhead. I sent a second certified letter requesting that they sending me the other information that I had originally requested in my first letter, along with a billing statement from the original creditor. In CFSIs response letter, I received the same billing statement, absent the other information that I had originally requested. 

In XXXX ( XXXX ), I sent to CFSI a certified letter which also contained a billing document from the original creditor ( XXXX XXXX XXXX ). I highlighted the actual charges that was in dispute, along with the area of the statement which indicated the date and amount of payment that was made. The statement clearly shows that all services were paid on XX/XX/XXXX. 

In response, CFSI has reduced the amount owed on my credit reports from XXXX, to XXXX. The account continues to show a past due and seriously delinquent status on my credit files with the credit bureaus.
Consumer complaint received 2020-08-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I did not give written permission to any of the following company run my credit XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-10-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

In short, I'd opened a Capital One 360 savings account this past XXXX ( XXXX ) primarily due to a promotion offering a {$100.00} bonus for each {$10000.00} deposited for at least ninety days ( " NEW500 ''  promotion, and the maximum was a {$500.00} bonus ). Capital One 's T & C 's included a caveat that the offer was not valid if you had a previous savings product with Capital One. I'd been a long-term credit card customer of Capital One and enjoyed dealing with them, so I opened an account with {$50000.00} and expected the bonus to be credited by early-XXXX. 

When I'd not seen the credit posted by mid-XXXX I contacted them by phone. They informed me that we had been disqualified for the promotion as we had a previous online account with Capital One ... with a {$0.00} balance : - That account had long ago been forgotten by us ; - Capital One stated there had not been any activity on it since at least XXXX, and that they had not sent any statements in that time ; - I'd argue this meets the definition of a dormant account, and one in which it is incumbent on the institution to attempt owner contact ( ref 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 ). 

I know ( and respect ) that Capital One 's systems are technically sophisticated and instantly provide the information I want, when I want it. But, that sophistication is double-edged ... I believe it is reasonable to expect that a large institution such as Capital One, that has the data, could have used that data to flag a bonus compliance issue as described \at the time of application// ... and ultimately give me the opportunity to stop the application before going forward ... if it was going to deny the promotion. 

As a retired XXXX customer service manager, I know that sometimes businesses make unwise decisions. And one way you  keep customers loyal is resolving problems that occasionally arise, especially the XXXX cent variety!! I'd like to believe that given the facts, an empowered Capital One manager would see this from the customer perspective, and use their judgement to fulfill the promotion as applied for.

I'd be more than happy to discuss this matter further in an attempt to see Capital One 'turn sour grapes into wine '! Can you assist by providing the necessary visibility to your contact ( s ) at Capital One??
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

RE : Walmart credit card, Capital One. -poor customer service. 
Account XXXX. 

On XX/XX/2020, I paid off my account/statement balance of {$1700.00} On my new XXXX statement, I am being charged {$20.00} interest on a balance that was already paid off! 

On XX/XX/XXXX, I called in to Capital One 's Walmart credit card customer service and asked for the {$20.00} interest that was on a balance that was already paid off, to be refunded. The customer service rep refused and I was transferred to a supervisor, XXXX, who proceeded to tell me that is their policy and if I don't like it, I'm " XXXX '' and " maybe I shouldn't do business with Walmart ''! 

To be treated like this and to be talked to like that is INEXCUSABLE! 
Paying off the account in full and to be treated like trash, especially during these hardship times caused by COVID! 

I will make sure that everyone on XXXX and XXXX and everyone else will know how poorly Walmart and CapitalOne credit treats their customers, especially during COVID! 

I demand a full refund of bogus interest charges of {$20.00}, interest fees on a balance that was paid in full prior to the statement closing. Walmart and Capital One credit say they want to help us, the customers, during COVID-19 but when it comes time to help they do NOTHING, liars!
Consumer complaint received 2020-10-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: THE J.D. STUART LAW GROUP, LLC (GA)

Jd Stuart law firm began calling me about a  XXXX  XXXX XXXX card, I didn't think I owed. A lady from the center for aging, talked to me after I complained. I received some paper work from them about XXXX  XXXX XXXX and another law firm said I owed XXXX XXXX. The next thing I know j d stuart is suing me over a XXXX  XXXX balance, My father had been very ill and died in 2017, I didnt do any shopping. When I called a very rude lady said that I could " make this go away '' if I paid up now, or it would cost me XXXX dollars and the bill is XXXX, I am a nurse and work for the DOD, they have called and harassed me about another card. The next thing I know a deputy is at my door and they are serving me with papers. I work 10 hours a day as I am a covid tracker, and now they think I have XXXX of the XXXX. J.D Stuart is aware of this as I told them and they continued to harass me. Further more I have not heard from XXXX XXXX or anyone else about this except that other law firm
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (DC)

My XXXX XXXX XXXX XXXX Credit Card is listed with the Credit Bureaus without a status, limit, balance, or payment history. I filed a dispute with Experian and they closed the dispute stating that the company had updated the account ; however, nothing has changed.
Consumer complaint received 2023-01-06
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. (TN)

I contacted credit reporting agencies to remove accounts I never gave consent to be on my credit report. They are furnishing this report and it has caused my score to crash. They are violating my privacy and my consumer rights.
Consumer complaint received 2022-10-17
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. (FL)

I have asked the credit bureau to do a verification on everything on my credit report and they did ; they stated that everything is accurate. I have done a thorough research myself and looked even further and found improper inaccuracies on my credit report even after the credit bureau did their research. 

In accordance with the Fair Credit Reporting Act Convergent ( Account # Below ), has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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 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 2020-09-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (NV)

I transferred {$170000.00} from my XXXX XXXX account to discover bank account on XX/XX/2020. I received an email from discover saying the funds have been transferred successfully and will be available on XX/XX/2020. When I checked the discover account, the money had been reversed for some reason but the money never made it back to my XXXX XXXX account. I have spoken to multiple people at both XXXX  and discover without any results. All I know is that the money left my XXXX XXXX  account and was electronically transferred to discover bank account on XX/XX/XXXX. Discover bank is telling me they never received the money. XXXX XXXX never received a notification that the money was being sent back. It has already been two weeks and discover has not settled this matter to my satisfaction. Either discover has stolen the money or it has been grossly mishandled. Either way, it is not acceptable. I need the money returned to my XXXX XXXX account without delay. Thank you.
Consumer complaint received 2020-08-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (DE)

ON XX/XX/2020 XXXX  XXXX XXXX  SHOWED PAID.ON XX/XX/2020 IT WAS REVERSED.CAUSING A PROBLEM WITH XXXX  XXXX XXXX.I WAS UNAWARE OF THIS CHANGE.DID NOT GET ANY NOTIFICATION FROM T D BANK.ALONG WITH OTHER OVER DRAFT CHARGES MADE IT IMPOSSIBILE TO PAY MY BILLS.I ASKED TO SPEAK TO A MANAGER AT THE BANK SPOKE TO A MANAGER AND WAS TOLD NOTHING COULD BE DONE.I CONTACTED T D BANK SUPERVISOR XXXX.EXPLAINED MY SITUATION WAS TOLD NOTHING COULD BE DONE.BASED ON REFUNDS GIVEN EARLIER REFUNDS HAD REACHED THERE LIMITS.IN THE MEANTIME I FELT MY CONCERNS FELL ON DEAF EARS.WHY WOULD A PAYMENT SHOWED PAID ON 1 DAY AND THE NEXT DAY NOT PAID.BECAUSE OF THIS I HAVE SERIOUS PROBLEMS.
Consumer complaint received 2020-10-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (AZ)

On XX/XX/XXXX, I initiated a purchase of XXXX BTC ( value of {$5000.00} at that time ). Coinbase 's app showed that everything was fine and the transaction went through. On XX/XX/XXXX, I tried to sign into my account, and my ability to do anything was locked, and all of my holdings were gone ( not just the XXXX ). There was never an email notification of a problem, no app notification and nothing on the website, it just said to contact support. 

I reached out to support on XX/XX/XXXX, and they then told me that the bank transaction failed. I was never given the opportunity to rectify the situation before they reversed the transaction AND took the rest of the funds in my account. 

Coinbase is claiming their TOS allows them to use the USD amount to recoup the funds, not the BTC amount. So, while I had a transaction for XXXX BTC on XX/XX/XXXX worth {$5000.00}, when they decided to reverse it, the USD value dropped. So they reversed the XXXX transaction ( making them whole, getting their entire amount of BTC back ) but also took the following holdings : XX/XX/XXXX purchase of XXXX BTC was taken by coinbase XX/XX/XXXX purchase of XXXX ETH was taken by coinbase XX/XX/XXXX purchase of XXXX BTC was taken by coinbase So, I was never warned that there was an issue, they never informed me the transaction failed, they just locked my account and took all my holdings. I have been begging them for help for 8 months now, but they refuse to do anything other than send a link to their TOS. 

Using the current value of ETH and BTC, the USD amount that they recouped over those 4 transactions is {$5900.00}. Their website says I still owe {$290.00}. In other words, they reversed the XXXX BTC transaction associated with the {$5000.00} failed transfer. they reversed the three other unassociated transactions as well, so with all that, they MADE {$670.00}, and are asking me to pay another {$290.00}. 

Coinbase never warned me of an account issue. Coinbase failed to give me any other options. Coinbase will be MAKING {$960.00} on one failed transaction ( not including their transaction fees! ). They refuse to help me. I have begged them. They never gave me a chance to rectify the situation.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

DATE : XX/XX/2020 I'm refinancing my mortgage.On XX/XX/2020, the Escrow Company has appointment with me to sign myDocs and tells me I should pay off many credit cards and something else which I never know an d I never borrow. They give mea credit report that they ordered from XXXX XXXX XXXX company. On credit report, the credit cards and financial companies I have not known and used below : ACCOUNT NUMBER BALANCE ( $ ) 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 AND MORE .... 
The credit report was run from XXXX XXXX  XXXX  XXXX  shows Name XXXX XXXX XXXX ( not my name ) and SSN is not my SSN. 
I go online to get free credit report, XXXX  and TransUnion ask me some security questions and said I should send mail or call. I call XXXX, the customer service asks me the security question and say they can not help me. I sent mail to XXXX  on XXXX XXXX, 2020, and don't have answer. I get credit report from XXXX  ( because I paid ) It its correct. 
I would like XXXX  and TransUnion fix problems immediately
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America closed my credit card due to " high balances '' on OTHER credit cards that I have, were their exact words. This happened on XX/XX/XXXX. My wife lost her job in XXXX due to COVID19 an I lost 1 of 2 jobs during COVID19. No phone call or anything. I have ZERO lates on my credit history with this card. The balance on BOA credit card is not even close to the credit limit. Called BOA on this matter and was told there is nothing they can do. Credit history will now be affected. They did not take into account COVID19.
Consumer complaint received 2020-08-18
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. (CA)

I Decided to check my Credit, because I Interested in buying a house for me and my Family I notice that there are Accounts that I did not Authorize someone must have used my Person Information without my Consent this is fraud and I want something done about this these people should not get away with this
Consumer complaint received 2023-01-09
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-08-18
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-12-27
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: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2020-09-28
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: Resurgent Capital Services L.P. (MN)

LVNV is reporting that this account was opened XX/XX/XXXX, when in fact, it was opened around XX/XX/XXXX when we had our dogs in the Vet ER due to a botched spade. It has greatly reduced my credit score as it appears as a new account since they decided to report it XX/XX/XXXX. This information scheduled to remain until XX/XX/XXXX where it will exceed the FCRA limitation. I wish to have this information corrected with the correct date the account was opened, not the date they decided to report.
Consumer complaint received 2020-10-02
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: CL Holdings LLC (VA)

I am filing a complaint of non-compliance against XXXX  XXXX who sent a letter to on XX/XX/XXXX and XXXX  on XX/XX/XXXX. This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ). 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached both letter I sent to XXXX and XXXX ). The following on the letters needs to verified : In XXXX, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.