davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-05
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. (FL)

THE FOLLOWING NEGATIVE ACCOUNT HAS BEEN REALLY AFFECTING ME TOWARDS ACHIEVING GOALS IN WHICH I NEED TO PURSUE : XXXX XXXX, THIS ACCOUNT SHOWS AS IF IT'S 30 DAYS LATE AND WITH NO BALANCE. PLEASE PROVIDE ME WITH A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY REPORT. IT HAS BEEN MORE THAN FIVE TIMES NOW THAT I HAVE TRIED TO RESOLVE THIS ISSUE AND NOTHING IS BEING DONE. PLEASE REMOVE THIS ACCOUNT BECAUSE IT IS NOT VERIFIED NOR DOES IT PROVIDE US WITH ACCURATE INFORMATION IN WHICH WOULD DISPLAY ON MY REPORT.
Consumer complaint received 2021-09-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

On XX/XX/2021 from XXXX till XXXX XXXX, I was the victim of a multi-level fraud operation organized by hackers whose software somehow got onto my device ( laptop ) and the last time I logged into my Coinbase account, money first tried to be transferred in the full amount of approximately XXXX USD in the form of BTC, Dogecoin and Cardano cryptocurrencies. After Coinbase withdrew this transfer, the funds started transferring XXXX USD each for half an hour until there were no funds left in my account. In addition, the scammers withdrew approximately XXXX USD of the credit funds you provide to customers and your company requested me to return them, after which my account was blocked by you. I had nothing to do with this scheme, I was the victim of a hacker attack. Two-factor verification was not requested during the transfers to confirm them. I still have proof on my device, moreover, I have sent several requests to the FBI for investigation and my case is pending. The equivalent of XXXX ADA, XXXX DOGE  and XXXX BTC was transferred from my wallet utilizing your services. Please take notice that my funds were transferred without my permission.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (FL)

XXXX/MILESTONE GENESIS CC ENDING # XXXX THEY CHANGED FROM ACC ENDING # XXXX. 
ALL HE TRANSACTIONS OR CHARGES FOR THIS CREDIT CARD WERE FABRICATED BY THE CREDIT CARD COMPANY WITH A SECOND CREDIT CARD I NEVER USED.SENT A FAX LETTER ON XX/XX/XXXX TO XXXX, WHICH WAS NEVER REPLIED, AND YET THEY WERE WITHDRAWING PAYMENTS FROM MY ACCOUNT XXXX OF XXXX  XXXX THAT I HAD TO CLOSE BECAUSE WERE WITHDRAWING FUNDS WITHOUTH MY AUTHORIZATION AND MY ACCESS TO THEIR ONLINE SERVICE WAS BLOCKED.STARTING ON XX/XX/XXXX THRU XX/XX/XXXX ALL TRANSACTIONS WERE UNAUTHORIZED XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, AND XX/XX/XXXX XXXX, ETC. AS PER LEGAL ADVICE I ASKED THE BANK TO RETURN ALL PAYMENTS TO THIS CREDIT CARD.THEY CHARGED ME SEVERAL TRANSACTIONS WITH XXXX, SEE LETTER DATED XX/XX/XXXX, WHEN AT THAT TIME I DID NOT HAVE AN ACCOUNT WITH XXXX. 
I DONT OWE THIS COMPANY ANYTHING! THEY DAMAGED MY CREDIT COMPLETELY ... ... ....
Consumer complaint received 2021-09-29
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: Park Hill Holdings (MD)

I applied for two apartments and they stated that I was denied based on my rental history and bankruptcy. I retrieved my SafeRent report and it states that for XXXX at XXXX, I owe {$480.00} from XX/XX/XXXX and {$1100.00} for XX/XX/XXXX. This was paid, I never went to court and the aformentioned apartment complex, I stayed in with a roommate ( who does not have this on her credit report ), we did not renew our lease in XX/XX/XXXX and moved out and paid all and any past due balances. I have rented in XXXX and this was never on my file, why all of a sudden, is this on my file now. I never went to court and was never evicted and have e-mails to show we left on good terms. This is outdated information and needs to be updated. I'm not sure why bankruptcy would show up as if I am currently in bankruptcy when it was discharged in XX/XX/XXXX. I filed in XX/XX/XXXX.
Consumer complaint received 2019-12-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (FL)

I checked my credit and saw 3 medical bills from ASSETCARELLC/CAPIOPART for XXXX XXXX XXXX totaling $XXXX. I did not receive any notification for any debt for medical services as an indigent individual. I was XXXX  with no physical address to receive any forwarded mail. I also let the hospital know I was an XXXX XXXX  and did not have any insurance or money. This reporting is against my HIPAA rights a Is did not sign any medical releases before my information was compromised and accessed by ASSETCARELLC/CAPIOPART.
Consumer complaint received 2022-10-09
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

On DATE | sent a request to CAPITAL ONE BANK USA NA to validate the account that was was opened on XX/XX/2022, with a balance of {$5900.00}. To this day CAPITAL ONE BANK USA NA has failed to answer my request as they are required by Federal law and Im very concern because I believe this account was never late.
Consumer complaint received 2021-09-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I buy car form XXXX XXXX new car. Dealer finance thru Nissan Moter acceptance crop. I was paying my on time I am never late, also dealers finance guy insist me buy gap coverage I buy that as he Says if in case car total loss then your insurance company pay value at time of incident car price remains will covered by gap company. I had total loss my car on XX/XX/XXXX my insurance company paid Nissan motor acceptance corp {$15000.00} I owe {$18000.00} estimates. I called gap company to calm total loss they paid only XXXX I have to make additional {$710.00} payment. In this matter I call Nissan financial acceptance for reslut this close as fully paid. Theirs customers service agents Make notes to next team never contact me I feel that Nissan moter acceptance and XXXX XXXX XXXX guy I feel lost tress and cheating and wasting my Time Now I need from Nissan moter acceptance form {$7000.00}. Which covers my tress Next time they dont cheat No once
Consumer complaint received 2021-09-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upgrade, Inc. (CA)

Hello my name is XXXX XXXX I had opened up a loan with Upgrade about a couple months ago and I can NOT access my account to 1 make payments other than my minimum 2 nor see how much grand total I owe after the payments They are charging me every month the minimum but I want to be able to send more but can not access my account I have called customer service 5 times and after being on hold for 30 minutes its automatically hangs up. 
I also have emailed them multiple times and they never respond to me to be able to reset my password or resolve the problem. Twice I have also gotten asked to leave a review for the person thats helped me yet I never once received help when I try to reset my password they say it sends a email and it doesnt. Another issue I saw was that I had aggreed for a loans of XXXX on my XXXX XXXX account it says they gave me a loan of XXXX which Im unaware of I just really need access to my account to be able to manage this and pay it off faster since this company is unreliable and the customer service is terrible
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX IS ILLEGALLY DOUBLE REPORTING THIS DEBT THAT THEY SAY I OWE FROM XXXX XXXX WHICH IS ALSO SHOWING ON MY FILE AS A CHARGE OFF. IT IS ILLEGAL TO DOUBLE REPORT SOMETHING. I WOULD LIKE A VALIDATION OF THIS IN WRITING ALSO
Consumer complaint received 2021-09-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was pre-qualified for a second loan from the same financial company which is Capital One and was denied and have a lot of inquiries reported on my credit report and I'm trying to purchase a house and that is not helping. I have called credit bureaus including Capital One nothing can be done about it credit bureau is saying it will be on my report for 2 years unfair and I already have things on my credit report that shouldn't be there so that now, I am not able to purchase a home for me and my family.
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LOGICOLL, LLC (IL)

I AM THE CONSUMER- I AM THE ADMINISTRATOR- I AM THE EXECUTOR 15 USC 1692c ( d ) I received a debt collection notice from Logicoll , LLC on XX/XX/2021 and it was dated for XX/XX/2021. The letter stated that I owe them {$300.00}. I have absolutely no knowledge of ever doing business with this company or having any contractual agreements with them, so for them to have my personal information is disturbing and that is a violation of my right to privacy pursuant to 15 USC 1692 ( a ). They have violated 18 USC 1341, Mail fraud against the United States Postal Service. They are also violating a number of my federally protected consumer rights. I AM A FEDERALLY PROTECTED CONSUMER.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Recovery Services, Inc. (OH)

ACCOUNT RECOVERY SERVICE XXXX {$450.00} I was a victim of fraud and have attached the document from a ID thief case I have never done any business with ARS or XXXX   XXXX  XXXX. Please delete this account from my credit report. This can be done by submitting a UDF form to all 3 credit bureaus.
Consumer complaint received 2019-09-05
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. (FL)

THE FOLLOWING NEGATIVE ACCOUNT HAS BEEN REALLY AFFECTING ME TOWARDS ACHIEVING GOALS IN WHICH I NEED TO PURSUE : XXXX XXXX, THIS ACCOUNT SHOWS AS IF IT'S 30 DAYS LATE AND WITH NO BALANCE. PLEASE PROVIDE ME WITH A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY REPORT. IT HAS BEEN MORE THAN FIVE TIMES NOW THAT I HAVE TRIED TO RESOLVE THIS ISSUE AND NOTHING IS BEING DONE. PLEASE REMOVE THIS ACCOUNT BECAUSE IT IS NOT VERIFIED NOR DOES IT PROVIDE US WITH ACCURATE INFORMATION IN WHICH WOULD DISPLAY ON MY REPORT.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (NY)

After an identity theft incident, i have came to realized that someone open a Barclay GAP Good Reward Mastercard under my SSN, but the account is under a different name. I have an online banking account but this credit never showed up in my list of accounts so I was not aware that someone was utilizing my credit card to make fraudulent purchases. The card was opened since 2019 and I have never received any related statements from the bank in regards to this credit card. 

There must be a huge flaw in the credit card application process to allow someone to open an account until a different name but with my SSN and credit info. This is unbelievable and unacceptable! Barclay should take full responsible to its wrongdoing in granting people credit card without properly verifying the right info.
Consumer complaint received 2021-09-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

A manager from Amerisave Mortgage carelessly sent my loan information/disclosures with confidential information to another client email. This client kindly contacted me and informed me of their failure to keep my info secure. She sent by text message proof of everything.

What are my rights when a mortgage company creates this type of misconduct? Can I sue due to breach of confidentiality?
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2021 at XXXX I received a text asking if I attempted to send money through a XXXX transfer. The text began with CHASE FRAUD. I responded " No ''. I tried calling the bank because I was very concerned and they were not opened so I called the number that sent the text. They told me to go online and log in to my XXXX account and type in the word " reversal '' for both transactions. One was for {$3000.00} and one was for {$2000.00}. I felt ok with doing that because I didn't have to enter in an email address or phone number which is what is required if you are paying someone. I then realized a few days later that this was fraudulent and the money came out of my account. I notified the bank and they said because I sent the money they could not give it back. I continued to call and spoke with a Chase Bank employee who looked at what happened and said someone hacked into my account and created the '' beneficiary '' the work he used titled " Reversal '' and that is why I was able to send the money without entering a phone number or email address. I recorded this call where the bank employee said my account was hacked and yet they have said they will not refund the money. Please assist as to what I can do at this time. By the way in the State of Georgia you can record without consent.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (NV)

MIDLAND CREDIT MANAGEMENT IS ILLEGALLY DOUBLE REPORTING THIS DEBT THAT THEY SAY I OWE FROM XXXX XXXX WHICH IS ALSO SHOWING ON MY FILE AS A CHARGE OFF. IT IS ILLEGAL TO DOUBLE REPORT SOMETHING. I WOULD LIKE A VALIDATION OF THIS IN WRITING ALSO
Consumer complaint received 2021-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (AZ)

Have a XXXX card that Wells Fargo funds. I have claimed chapter XXXX XXXX now it is final. they were notified from the court that the account was discharged. and they call everyday. XXXX isn't that harrassment?
Consumer complaint received 2019-11-26
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. (TX)

On XX/XX/XXXX, I attempted to lift the credit freeze for a company and found the freeze had been lifted already. The credit freeze lift was done without my permission. I called Equifax ( XXXX ) stated the credit report freeze was placed XX/XX/XXXX - XX/XX/XXXX. I asked how and who requested the credit lift on my credit report and requested a copy of the letter for the credit freeze lift. I do not request a temporary freeze lift in writing because I use my pion online which is faster. Then I asked for a confirmation number for the temporary credit freeze lift. The request was in writing so I would not have a confirmation #. 
I think is part Equifax Data Breach!
Consumer complaint received 2024-03-20
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (HI)

I have XXXX American Express Gift Cards from XXXX XXXX, my employer ( XXXX for {$230.00} and XXXX for {$250.00} ) that I can not get to work at online or instore retailers. I got XXXX purchase at XXXX ( for about {$13.00} ) to work and that was XXXX XXXX  ago. Since then, everywhere I go online ( XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX ), the card gets rejected. I think it's because it has to be entered like a credit card and I can't link my billing address/zip to it. When I go to " manage and activate your card '' online with AMEX, there is no way to link an address to your gift card which seems could be an easy solution for AMEX. So then I tried adding both cards to my XXXX wallet so I can use it instore at my XXXX, but every time I try to load it, I get a notice from XXXX to contact the issuer. This has been happening for weeks with XXXX of the cards and for over XXXX XXXX with the other. When I print the card and take it into a brick and mortar store ( XXXX, for example ), the payments are always declined. It's kind of embarrassing and so frustrating... it seems like an obvious scam by AMEX. When I look up solutions on XXXX, etc., there are countless reports of this issue and everyone of them say that the solutions provided by AMEX customer service go absolutely nowhere. I really prefer to skip that frustration, especially since this seems like a well known and well documented issue by American Express and they just refuse to acknowledge it.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLY FINANCIAL INC. (AZ)

I opened a dispute for unauthorized charges on my credit card several days ago. My previous card was shut off with a new one shipped to me, however I havent been credited for the amount lost due to fraud. Ally representatives have not given me any information about when I can expect the credits. It seems they are trying to hold me responsible for charges I didnt make, despite having a zero liability guarantee. 

I need the amount of these transactions to be credited back to my card so I dont have to pay for fraudulent charges when my statement closes in approximately one week.
Consumer complaint received 2021-09-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX XXXX, aka XXXX XXXX, place of bussesses address date back too XXXX XXXX XXXX XXXX ga XXXX .and XXXX XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX ga, .all of this will need too be ckeck from XXXX up too XXXX and XXXX .ownership records .very important too ckeck the tax and tittle too all of this for these years passed by. Also XXXX XXXX XXXX XXXX ga XXXX and ... XXXX and XXXX and XXXX ... .tittle exam will tell u everything. Not the property tax return. A tittle exam XXXX XXXX XXXX XXXX ga, XXXX XXXX ... ... .ok ... here is the problem. I am XXXX  of these addresses. And bussesses. Due date was XXXX XXXX XXXX. Country wide homes loans aka banc of America homes loans, has fail too give me my ownership paper as the benenfiary heir owner too XXXX XXXX and Fannie mae and XXXX XXXX, and, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and the XXXX  XXXX XXXX XXXX., country wide homes loans is the trust, for said business. Ckexk it. It on address XXXX XXXX XXXX XXXX ga, filed in XXXX, and with XXXXXXXX XXXX XXXX XXXXXXXX ga. It on the tittle ... ..I own the addresses and companies. I am not control my company's., I am getting letter from the irs .not pay taxes .on XXXX XXXX and company sense XXXX. And XXXX ... .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX filed in XXXX .as well ... .a XXXX XXXX and XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX is fail too give me my ownership papers .and as well as the trust company it self .my release date is gone .as u will see ... .I haven't talk too the agent or the trustee close attorney. This is on all of thus stuff with them please research all of thus information well tittle exam ... XXXX XXXX. XXXX XXXX. Names should come out of thus too .I want my business as the benenfiary. I have. Did 22 years of waiting XXXX have did it I made it please give me my property and bussesses and banks account that go with all of this thanks. Also .I am been told I am XXXX and I can't get the trust instrument benenfiary, issue did because I am not a freemasonry. It is not a law I have too join a mason..so all of thus is decrimnation. And abuse .and temp too murder. It a pandemic. I am living in a horrible place .real bad ghetto. I am doing dead time..my release date is past due .do n't abuse me no more. Thanks..XXXX
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.