davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

CMRE Financial Services , INC. at XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, CA. XXXX has been sending me multiple collection notices in the amounts of {$620.00}, {$590.00}, {$480.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company dose not have a contract with my signature have not been able to present anything of the sort upon my request.
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank credit card was contacted disputing XXXX charges XX/XX/XXXX XXXX {$180.00} XX/XX/XXXX XXXX {$70.00} XX/XX/XXXX XXXX  {$140.00} TD Bank responded XX/XX/XXXX that the charges were valid, providing invoices from XXXX showing my name and billing/shipping address. Emails on the order are not My email addresses. I never ordered anything from XXXX ever The items were not ordered by me, not requested by me, not shipped to me, and not received by me. 

TD Bank says they can not help and contact XXXX. 

XXXX says that since it is past 60 days they will not discuss
Consumer complaint received 2021-08-13
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. (NY)

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This complaint is for the timeshare company XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2021-08-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report
Consumer complaint received 2021-08-13
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX  XXXX This complaint is for the timeshare company XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2021-01-14
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: EQUIFAX, INC. (AZ)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America will not approve an secured card of {$2000.00} deposit graduation to unsecured card by refunding my deposit after over one year of use with good standing. They claim I have a history of delinquency, recent trend in balance, low relative payments to balance ratio ... I have consistently made on time payments greater than the minimum since opening the account and currently have had a XXXX  balance for over two months now. The claims of reasons for rejecting my request are baseless and I believe discrimination is at okay considering the score used was a XXXX. I have request this card update at least 3 times and have been given false reasons for the reject every single time.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

I have 19 inquires on my credit scores. According to your website, any number of inquires done within a 45 day period count as one inquiry. All three companies, XXXX, Experian, and XXXX  are counting each Inquiry separately. By my count, the most I should have would be four ( 4 ). Everything else on my scores is listed as Excellent, these inquires are listed as Poor.

Please help.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Have had cards with Capital One for over 10 years. Opened a checking account, got scammed with a bad check- it was returned. Shortly after, I could not log into my account and there is no customer service on weekends- or weekend nights. The following week they closed the checking, XXXX Cap One cards, and my Neiman Marcus card which had a {$1000.00} limit but never used. When they closed the account I had a negative due balance on Neiman Marcus card - a balance of $ XXXX - as in a credit. The checking account I opened had maybe {$60.00} in it. So to add insult to injury - I was told that I would receive refund checks within SIX MONTHS. Six months??? {$120.00} isn't a big deal for most people or friends - but trust me- it IS a big deal when you have {$6.00} in your checking account and have busted your XXXX to prove your worthiness! 

I am a XXXX  with a XXXX. I have never left a bank account or credit card in bad terms without reaching out for a payment plan. 

Spoke to 5 different folks - who basically told me " tough luck '' and there was no guarantee that they could help. Apparently Cap One put me on " XXXX XXXX XXXX '' list for checking accounts so that I can not open a new one. I have good standing accounts with XXXX XXXX and XXXX Bank but I was looking for something with a branch in my local area. My account with XXXX is at least 20 years old. 

I had recently called ( several weeks ago ) to make pay arrangements on my cards since having lost my job in early XXXX. They confirmed as much when I called regarding them closing all of my accounts. 

I have also received denial letters for loans that I absolutely did not apply for. 

I made Cap One aware that I had been scammed, didn't apply for any loans in the past year ; I told them I have the original check I deposited, the fed ex envelope it came in, as well as the phone number of the person who supposedly sent the check. Their Fraud Department would not accept any info about the bad check and basically said there was nothing they could do to help me or any guarantee. Two of the credit cards have been open for many years with ONE late payment- which was around XXXX. The other two were a couple of years old with no late payments- one had a negative balance/credit because I paid more than I owed. 

Short version- they basically told me to go XXXX XXXX  - no regard for me paying 28.99 % interest on three or four credit cards for the past decade.
Consumer complaint received 2021-08-13
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX This complaint is for the timeshare company XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2021-07-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Delivery Financial Services, LLC (OK)

XX/XX/XXXX : Dr. Visit at XXXX XXXX XXXX Oklahoma. Was told I did not owe anything because insurance ( XXXX XXXX ) would cover. 

XX/XX/XXXX : Received a credit score decrease notification through an XXXX  service my bank provides. Learned my score had decreased 94 points due to being turned into collection agency ( DELIVERY FINANCIAL SER ) for {$120.00} unpaid bill with XXXX XXXX XXXX Oklahoma. 

XX/XX/XXXX : Called by phone XXXX XXXX XXXX and they told me that it was for the Dr. Visit on XX/XX/XXXX. They did not update my address and therefore had the wrong address on file. I paid the {$120.00} over the phone and have received the receipt of payment statement. I never got any phone or email notification from either the ordinal creditor or the collection agency. I was not expecting a bill since they said I owe nothing because insurance would cover. 

Is it possible to have this erased from my credit history? I have never had a late payment. I have no debt. I pay off 100 % of credit card bills twice per month. My score has been over XXXX for years and is now XXXX.
Consumer complaint received 2021-08-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OK)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Transunion is refusing to delete inaccurate out of date information on my credit report. As well as XXXX and XXXX. They refuse to delete unverifiable information I never authorized. They also are reporting my home as a business which was actually from the previous owner.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (PA)

On XX/XX/2021, I sent a letter to First Advantage requesting a copy of my consumer background check report. I requested this report because First Advantage provided a copy of my background check to The XXXX XXXXXXXX University and did not provide me a copy of my background check that they said they would using their intake form. After I did not hear from First Advantage, I called First Advantage on XX/XX/XXXX and spoke to a customer service representative about ordering a copy of my background check disclosure. I was assured that I would receive a copy of my consumer report by email within a few days. 

On XX/XX/2021, I received an email requesting proof of verification of my address. I sent First Advantage a recent credit card statement which satisfied their requirements for proof of address. On Wednesday, XX/XX/2021, I received an email from Operations Analyst XXXX XXXX, who sent me an encrypted PDF that appears to be my consumer report. However, XXXX failed to provide me with the password to the PDF document, rendering me unable to read the report. 

Despite repeated emails since receiving the PDF, XXXX has failed to either tell me the password to the PDF of my consumer report, or send me a copy of my report unencumbered by encryption. Despite my repeated reasonable requests for my report, First Advantage has failed to provide me my report as of XX/XX/2021. Therefore, I have been deprived of my right to review my consumer report under the Fair Credit Reporting Act.
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

My mother passed away XX/XX/XXXX. My father passed away XX/XX/XXXX. After receiving my father 's death certificate, I went to Wells Fargo bank to have the account closed on two separate occasions. The first time was after my father passed away, and then a second time after I kept receiving bank statements showing that Wells Fargo was steadily charging monthly fees regardless of me personally providing the bank copies of my parents death certificates on two separate occasions. Wells Fargo intentionally allowed the account to remain open to deplete the account of its funds. Each time I provided the original death certificates, Wells Fargo kept my parents ' account open. I was the caregiver for the both of my parents. My parents made little money, and to see a financial institution continuously take money from poor people was unethical. Wells Fargo refused to close account and continued to send monthly statements to my home. I stopped opening the statements as it was painful to see what the Bank was doing to me. My son was diagnosed with XXXX XXXX. At the time, I wanted to retrieved the money for my son, as my son was named after my father and my parents considered my son as their own child. 

At the time of my father 's death, the checking account balance was around {$1200.00} ; however, Wells Fargo only sent {$440.00} to Unclaimed Property. I would like Wells Fargo to do the honorable thing and return all monies taken out of account ; as I was told by their employees that the money would be returned. Although, I think they lied about that too. I considered Wells Fargo actions as the rich stealing from the poor. No government agency should allow such unethical behavior to go unpunished. Please help!
Consumer complaint received 2021-08-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AL)

I was unable to access my account on the morning of XX/XX/XXXX as the market was tanking. This event re. Coinbase was widely reported across major financial media on that day and in subsequent days. I also had trouble selling in the days after when prices recovered a bit and had no problem later on when prices went down. I also was unable to withdraw money on that day and in later days. Numerous slow emails back and forth to their " support '' were not terribly fruitful and I did file a formal complaint. Their " formal complaint '' process dragged on for the last almost two months and I did receive an email from their Chief Complaint Officer or something like that admitting some measure of fault and offered me ( and indeed sent to my account before I replied and/or accepted their offer ) a whopping XXXX BTC which was about {$300.00} ( seems to be depreciating these day ). I didn't feel like this was commensurate with my loss of about XXXX ( and that is not counting the approximately XXXX in fees ) so am now engaging in the required arbitration proceess which I unknowingly agreed to when I signed up for an account. Their sign-up process is an interesting aside- very quick you just click a box - all in the interest of easy onboarding. And why did I sign up with fee-hungry Coinbase in the first place? Well, I thought this sort of thing only happened on free apps like XXXX ( and I wouldn't go near XXXX for obvious reasons ) and that I would be able to access my account at all times, and particularly in times of market volatility which are a feature, not bug of the crypto market. I have all that I am saying documented with screenshots ( account balance before/after, error messages, tweets from their Chief Product guy and support on XX/XX/XXXX itself- the comments and replies to those tweets are instructive and reveal many disgruntled customers ). Another side issue is that I, as an non-accredited investor, was able to invest unlimited amounts up to XXXX per day- great for the Coinbase business model but I admittedly have no business doing that. In that quick onboarding, they ask nothing about income, net worth, etc- which is standard for literally every other type of investment but not in crypto- which arguably should have greater or at least some guardrails. 
Also, if you have never used Coinbase you should experiment with a small amount- the sort of slot machine/casino-ification of their product design is quite remarkable and 100 % intentional.