davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
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: Spring Oaks Capital, LLC (PA)

I have on several occasions reached out to ask this company to verify a debt, they claim belongs to me as me and my son have the same name. He is a junior and I am senior. Thye continue to say its verified and I ask for something to prove this. I have yet to receive anything from them. Please send something verifying that this account belongs to me or remove it from all my credit reports. 
Please do not continue to ignore this request. I dont want something on my credit report that doesnt belong to meet and continues to hurt my credit. 

Account XXXX
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022 I received a letter from XXXX Bank that a XXXX credit product was denied because they were unable to verify personal guarantor 's identity. 

This request was submitted fraudulently. I proceeded to check my credit reports and found XXXX unauthorized fraudulent inquiries made by XXXX XXXX XXXX XXXX on XX/XX/2022 listed on both my Experian and XXXX XXXX Reports credit reports. 

I have notified XXXX XXXX XXXX XXXX and the case # is XXXX. 
I have submitted Fraud Alerts to both Experian and XXXX.
Consumer complaint received 2020-09-29
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)

TransUnion and XXXX  are fraudulent on my following accounts : XXXX XXXX XXXX  is fraudulent on my Account Number : XXXX XXXX/XXXX  XXXX is fraudulent on my Account Number : XXXX
Consumer complaint received 2024-04-19
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: DISCOVER BANK (DE)

I have disputed several unauthorized & unverified items that appeared on my credit report. I also stated the dates that these unauthorized items had been applied for below I will list the dates as well as the companies of the unauthorized items. According to the FCRA this shouldnt be on my credit report, I would like for these items to be removed immediately due to fraud and inaccuracy I would like a copy of my credit report when these unauthorized/unverified items are removed. 

XXXX XXXX : Discover Financial Services XXXX, XXXX XXXX. 

XXXX : Discover Financial services XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

XXXX : Discover Financial Services XXXX, XXXX XXXX.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

i have contacted the 3 credit bureaus XXXX, experian, XXXX by phone numerous times last month in XXXX, XXXX, and XXXX of 2022 and asked them to remove several addresses that are not my addresses i even tried requesting they remove them on line also, and i also have let them know i have the right to privacy ( 15 usc 1681 ) and to have accurate information reporting they are violating so many laws and denying me my rights
Consumer complaint received 2020-09-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (FL)

I received multiple calls that are flagged as Robocalls from Allied Interstate. The calls continue repeatedly through out the day even on weekends, as early as XXXX XXXX. As I am not familiar with this company and have not been contacted by them before, I asked that they please mail me a letter regarding the debt so that I may verify. They continued to call the and stated that the collection calls will not stop until I make an agreement with them. On another call I again asked that they please allow for some time for the letter to be received and I would follow up with them and the representative stated they will not stop calling me and will continue calling multiple times until an agreement is made. I feel that they pressure you by calling repeatedly and do not allow you to ask questions or ask to have the information verified.
Consumer complaint received 2024-04-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TN)

I tried to use a prepaid American Express card with {$350.00} on the card. I was using this card to pay for an oil change and filters and wiper blades at XXXX XXXX XXXX in XXXX XXXX, on XXXX. The amount of my bill at XXXX XXXX XXXX was {$300.00}. The lady in the service department ran the {$350.00} American Express card and the card was declined. I had another American Express card with {$200.00} on it. I gave that to her to pay for my services at XXXX XXXX XXXX. She ran the card and this card also was declined. I had to use my XXXX XXXX debit card to pay my bill. It was very embarrassing for me to have XXXX  American Express cards declined. When I arrived back home, I called the toll free number on the back of both American Express gift cards and the cards had a balance of {$350.00} and {$200.00} on them. It's frustrating that I could not use these cards when they both had a {$350.00} and {$200.00} balance.
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

Hi Macys! Good Afternoon Team! How are you doing this pandemic and Covid19? Hopefully, youre safe and sound! Listen, Im extremely disappointed and shocked because i just looked at my credit again and noticed that the 2 late payments remarked are still reporting on my credit. Remember I called your company directly late XXXX  to ratify the situation and your representatives mentioned that they will submit a request to remove the late payments thats reporting on XX/XX/XXXX and XX/XX/2020. I also remembered when COVID started my bank was closed and I couldnt see the transaction history and I was certain that your company had automatic payment authorization. 


Again, this never had happened to me, and therefore, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have been paying off this credit card for the last three years and now I dont understand why they keep adding more fees late fees, interest fees all of these extra fees there is a {$69.00} balance that I would like forgiven they did not offer me or anything, and I just want to be done with this account
Consumer complaint received 2022-11-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (VA)

My account from XXXX XXXX XXXX was terminated because I ordered a replacement for phones that I didnt receive cause the truth they was being stolen from my front door so that ended up me calling to tell them I didnt received the phone when they terminate my account I had a balance of XXXX that I owed including the phones that I never received was like XXXX and now they send me a letter saying I have to pay them XXXX when its not right and Im not in the United States right now because some family problem my mom is sick and Im taking care of her
Consumer complaint received 2022-11-07
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: CCS Financial Services, Inc. (MI)

I was never late on the above listed account. Please show me in documentation showing proof of this transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete these alleged late payments from all of my credit reports per 15 USC 1666b. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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.
Consumer complaint received 2022-11-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CREDIT ACCEPTANCE CORPORATION (SC)

This auto loan is in error, as my Wife passed away on Tuesday, XX/XX/2022 I am disputing the entire amount of {$3800.00} USD. I further claim extreme Hardship for XXXX & XXXX of 2022 as the Death of my Wife, XXXX XXXX XXXX XXXX XXXX, resulted in a loss of her income ; {$1000.00} USD from Social Security Administration. 
The auto title is a joint title ; I Need my Late wife 's name removed in order for the SC XXXX to register this vehicle in my name only ALL attempts at communicant to reach a solution have utterly Failed. There is now an undue & unfair burden of {$3800.00}, I am utterly & totally confused as how to provide a copy of my Wife 's Death certificate to this company I firmly & fully believe that I am being deliberately targeted by the company as a punishment _ an illegal punishment per ADA antidiscrimination laws Again, ALL my attempts to reach a resolution have utterly Failed
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (FL)

My credit reporting companies have unlawfully removed one of my furnished revolving credit accounts or have not furnished the revolving credit account on my report more than 30 days after having confirmed receiving the account information from the creditor XXXX Account # XXXX. This account has been removed from XXXX and XXXX and Experian have not added this revolving account to my report as required by law. They have also violated my rights by doing this under 15. U.S.C 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: LEXISNEXIS (CO)

I received a letter from Lexis Nexis about a drop in my credit. I gave them my Drivers License Number and my Social to give me information on my account. Now I'm worried I've given my personal information out.
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

Dear PayPal Support Team, I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I believe this limitation is a result of a misunderstanding, as I have not violated any of PayPal 's policies or engaged in unauthorized activities. 

Maintaining a positive and trustworthy relationship with PayPal is important to me, as I have been a dedicated user for an extended period. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

Thank you for your consideration. I look forward to your prompt response and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX is reporting a XXXX collection account to XXXX & Transunion. in the amount of {$580.00}, this balance was paid in full in 2016. 

I disputed this account many times with the consumer reporting agencies and they have not removed the account from my credit report or given me results of their investigations. 

XXXX XXXX ( Original Creditor : 10 XXXX ) Balance : {$580.00} Account Status : Derogatory
Consumer complaint received 2020-09-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Bank of America is trying to steal my home from me. United States XXXX Veteran who hasn't missed a payment in years. Bank of America has secretly changed my amount of my mortgage stated that a mortgage evaluation was completed and monthly amount went up. This information was never made available nor was an option to pay down the escrow amount to keep my payments the same or lower offered to me. Later I received letters stating that I was in default and that my home would be placed to foreclosure if I didn't make payments. I reviewed my records back to XX/XX/2017and didn't see one missed payment. There is no other conclusion other than they are trying to keep me from paying my home off for ownership and trying to steal my home from up under me. Well I XX/XX/XXXX/XX/XX/XXXXveteran  and I'm not giving up my home without a fight as I was trained at XXXX XXXX, GA. 
COVID-19 is causing people to lose their jobs and not pay their bills I'm currently in an economic crisis like a lot of others but, one thing I  promised my children was that Daddy was going to be able to make sure they always have a place to come home to. I've spoken to several BOA reps since XXXX all the way up through now with absolutely no assistance. I'm in desperate need of help with this matter please help.
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TransUnion file number : XXXX Date : XX/XX/2021 has XXXX XXXX showing a balance and there is no balance owed to XXXX XXXX.
Consumer complaint received 2021-02-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Citi has promotions for XXXX to receive XXXX bonus. Keep 60 days and within 90 days you would receive bonus.I opened the account and was funded by XXXX During the time I received emails stating I had not deposited I chatted/called 3 times each time stating I qualified and to ignore emails. 100 days later no bonus, I called and was told they would have to open a ticket and it would take another 20 days for response for m6 bonus but was assured I qualified. I asked for a supervisor who said we are short handed, its a pandemic and people are suffering. I said why are you still running promotion if you can not keep up with advertised promise. He said thats what they told me to say. I asked for another level and was told someone would call me back. A week later and no response. I called corporates, was told to call consumer affairs, who told me to call corporate. Corporate said I would just have to wait. I asked for another way to escalate. Was given an email. I emailed and was responded to with the canned email that someone would get back to me within 15 days. 

They are still running promotion, if they can not honor their promotions. And hold our money hostage they should not be allowed to run promotions
Consumer complaint received 2020-09-29
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (TX)

I can not open a bank account with chase. I had an account around XXXX that had fraudulent activity making my account go in the negative and it eventually was closed. Before the closure I reported it to chase as identity theft and fraud as ever since I've graduated high school I have always been a victim of identity theft of anything involving my social security number. I have already reported it to irs, the 3 credit bureaus and the social security office, I also provided chase bank with VALID documentation proving this case about my identity theft with these companies. Yet trying to open a bank account with Chase again now in XXXX and now they are saying it will be closed because of my previous account, which I had already given VALID documentation of my case. I've spoken to loss prevention, fraud, identity and the claims department and I was told that I have basically been banned for life because of that previous account. This is extremely unfair as I did my part to the best ability.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

XX/XX/2022 - XXXX, I CALLED THE BANK MULTIPLE TIMES TO LET THEM KNOW THAT I WAS UN-AWARE OF THE FRAUD ACTIVITY ON MY ACCOUNT AND ALL THE DID WAS TRANSFER AROUND AND AROUND INSTEAD OF HELPING ME RESOLVE THIS ISSUE.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Regarding ( XXXX XXXX account : On XX/XX/2022 I disputed this information that appeared on my TransUnion report from XX/XX/2022 : Stating " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account ''. 

TransUnion did not send proof, nor did they change the negative payment status on the account. 

Then again on XX/XX/2022 I disputed the information again that appeared on my TransUnion report from XX/XX/2022 : Stating " I previously disputed this account stating : ( This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ) I do not agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account ''. 

As of today XX/XX/2022, TransUnion still hasn't sent me any proof, changed the negative payment status on the account, nor deleted the negative information in the account.
Consumer complaint received 2021-02-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

On the XXXX XX/XX/2021 I transferred XXXX from my XXXX bank account to my Coinbase account to buy Bitcoin with. I was able to buy bitcoin to the sum of XXXX and it was stored in my Coinbase Account. I then tried to send the Bitcoin to my Coinbase Wallet app on my phone and it asked me to re-upload copies of my ID, which I did, twice. Coinbase said I will be unable to do anything with my account until this process has completed. Coinbase said the process will take " a few minutes '' however I am still waiting for reverification of my ID. So essentially I am still locked out of my account over two weeks later. 

I have emailed coinbase multiple times regarding this and so far no one can tell me why this happened or how long I will have to wait to get access to my account reinstated. They replied back with a generic reply stating it would take 5-7 days and I needed to re-upload my ID, again. Which I did. I have now re-uploaded my drivers license and passport 4 times each. 

I have submitted my ID numerous times. I have 2 factor identification enabled on my phone, the same phone I have used since opening my account. I have only ever used the same XXXX bank account to directly transfer funds into my account. I even have a personal email domain, which again I have always used with coinbase.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc (AZ)

My son was due to receive his first tax return and I opted to let him open a venmo teen account to receive his money and start managing his money. Upon his money coming into his account venmo immediately froze my parent account including his. They asked to verify my identity of which I did so. Then out of the blue they closed my account permanently. Now my son 's account is also closed by default. They are holding his money and not giving me any way to recover back his money. That they want to hold it for 180 days. Now, I am stuck because my son is XXXX and we need the money for his treatment. Venmo won't let me withdraw his money as they XXXX the function. I need help recovering back my money and to anyone out there, don't use venmo it is a horrible company. On XXXX XXXX i asked for info.. no response