davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In XX/XX/2020, I filed bankruptcy. Capital One was listed on my bankruptcy but I wanted to keep making car payments because I didn't intend to surrender the vehicle. I filed pro se. Capital One promptly closed the account and transferred it to another lender without notifying me in writing. I called the number that they gave me and no-one ever answered my calls to get information. Concurrently, Capital One wasn't answering my calls either. The bankruptcy was dismissed because the filing period was too short. Capital One re-opened the file and marked it past due 6 months. Well now I am unemployed and they were demanding full payment or one payment before talking to negotiate. I wanted to negotiate beforehand because there was no guarantee they would settle or negotiate terms after I paid. They repossessed the vehicle without letting me know so that I could collect my things after I asked them to give me the courtesy heads up so I could clean it out. I asked for record of communication from them notifying me that they were transferring the account to another lender when I filed bankruptcy and the declined and said they didn't have one, nor did they have a phone number for this company other than an internal transfer number. So they transferred to a subsidiary of Captial One which is a loophole around the bankruptcy stay. They have only sent me 1 written communication since XX/XX/2020 and I just received it in XXXX. 

I am filing a complaint because I feel these practices are unethical. I am not upset about the repossession but the fact that they denied me every right and protection as a consumer leading up to the repossession.
Consumer complaint received 2022-05-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (OH)

I purchased my home XX/XX/XXXX with XXXX XXXX XXXXXXXX. The previous owner died in XXXX and her children sold the house. Previous owner defaulted on a XXXX loan with Key Bank and now Key Bank is now coming after my house pursuing foreclosure process because of the defaulted loan. I am experiencing a lot of stress because all of the letters that I am receiving about the foreclosure and letters telling me to file bankruptcy and taking my property. I contacted XXXX XXXX and my title company said they paid Key Bank for the lien before I closed. Key Bank is saying they didn't receive the payment. Key Bank have tried to serve me & now sent certified letters to me and both my lender. I need help immediately to stop this process of taking me & my children 's home.
Consumer complaint received 2017-09-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IL)

I actively XXXX XXXX XXXX on the XXXX XXXX XXXX XXXX  ( XXXX ) run by Coinbase, a US company based in XXXX XXXX. My account was initially funded via a linked XXXX  checking account from which wire payments and ACHs have been initiated and settled without any issues. The following incidentis the first issue I 've experienced with their platform.
On Monday, XX/XX/XXXX, I attempted to link an additional checking account with intent to initiate a wire transfer onXX/XX/XXXXafter the Labor Day holiday. To confirm ownership of linked accounts, Coinbase asks you to confirm small transaction amounts in your account. The credit union that services this additional checking account had shut down its online banking system over the holiday for scheduled maintenance and I was unable to confirm the deposit amounts immediately.
However, from this point forward, I was unable to execute any trades on their XXXX platform or transfer funds ( virtual currency or USD ) in or out of Coinbase or XXXX. I opened a support ticket and went through the suggested steps to fix the problem on my own.
An automated prompt indicated that it may be an issue with identity verification. For example, if the credit union only had my middle initial on the account 's signature card, Coinbase may be unable to verify that with the driver 's license I submitted which has my full middle name. Furthermore, the inability to immediately confirm the deposit amounts may have triggered something in their fraud or compliance process.
After re-uploading my ID verification materials and removing the newly added checking account, my Coinbase and XXXX accounts were still locked down. I currently have around {$10000.00} USD worth of assets in an account on the XXXX platform.
Coinbase/XXXX  support has been unresponsive, with the exception of automated replies ( case # XXXX ). They do not have an option for live chat or telephone support.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Trans union is allowing old accounts like XXXX XXXX report a closed account past due for 30 days I paid it off in full in XXXX there allowing XXXX XXXX  and other accounts included in my bankruptcy to report XXXX and transunion and XXXX refuses to delete a name and addresses that does not belong to me I have already sent a letter with showing my id bank statement and ssc still have misinformation on reports I have a lot of accounts included in bankruptcy still reporting they are allowing inquiries on my credit that I have disputed like 40 inquiries and they still allow the inquiry to stay on all reports
Consumer complaint received 2022-05-05
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. (TX)

I have submitted court documents to the credit bureaus showing they're reporting incorrect information, for an account that should not be in collections, and does not have a balance. They have not removed these accounts from my account stating that the furnisher confirmed the information. As I've told the credit bureaus, this information is not correct, and I have provided legal documentation, showing a XXXX balance.
Consumer complaint received 2022-03-14
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: Experian Information Solutions Inc. (FL)

On XX/XX/2022 I certified mailed a letter disputing an erroneous account on my credit report asking Experian to investigate this, provide me with the documents used to verify and validate the account, or delete the account immediately from my credit report if they could not. It has now been more than 30 days since they received the letter ( which I have proof of ) and they have not responded nor have they removed the account. I have attached the original letter mailed on XX/XX/2022 ; as well as a failure to comply letter updating them on their willful negligence to comply with my request, the Fair Credit Reporting Act, and CFPB.
Consumer complaint received 2022-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (IN)

This has been an on going issue. My identity had been stolen in fact, my tax returns from the early 2000 era started paying someone elses college loan by offsets for XXXX yrs that were a college called : Indiana XXXX XXXX. I never had any affiliations or attended that school but yet I paid for whomever ( The Department Of Education allowed my social security to be used to pay for their Theft of my Tax Returns through Several Collection agencies that basically revolved the money and stole the funds because I paid for Ten years of long hardships because of the theft going on! I tried reporting to the FBI web page over the years but nothing ever got resolved so I am still recovering the identity fraud in my personal life now still trying to find a resolution to the theft that is hurting my financial and personal life. I have never used governmental funds I work for a living. I am not on social media like XXXX or etc and I have or never have been in the XXXX! I am a woman and I am USA Citizen by Birth! My Name is really XXXX!
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Upon reviewing my equifax credit report I noticed there was another social security number attached to the report. I called to ask why and the fraud department stated they removed the number. 3 weeks later all my accounts have disappeared off my report and my score has plunged. Ive been on the phone with them several times going through all the identification processes only to be told they cant help me and to fax my information to the XXXX number. I have faxed the number 4 times including all the information discussed. Im very close to filing a demand letter and starting a law suit.
Consumer complaint received 2022-05-05
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

My Citi dividend credit card has a merchant offer from XXXX ( {$10.00} cash back on purchase of {$20.00} at XXXX using app ). I used the card as directed on XXXX XXXX, but the {$10.00} back was not posted. I talked with Citi on XXXX XXXX and was told it might take 30 days to get the {$10.00} posted. I then talked again with Citi on XX/XX/XXXX ( XXXX days after the transaction ) and was told I didn't enroll the offer. 
Every time I am talking with Citi, they gave me different and sometimes ridiculous responses. I am attaching the screen shot showing I was enrolled for the offer and the transaction details, as well as the chat history.
Consumer complaint received 2017-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mobiloans, LLC (NJ)

Illegal Payday loan who is not licensed to do banking or credit report in NJ and is violating NJ Unsury laws refused to lower the 800 % interest rate. They have then reported the loan on my credit report which the amount is inaccurate. The credit reporting agenccy says it is valid and they can not remove it.
Loan # XXXX Mobiloan
Consumer complaint received 2017-09-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I am having issues with my XXXX XXXX credit card. Earlier this year i had some fraud occur on the account and it lead to a late payment to my credit report in XX/XX/XXXX of 2017. I contacted XXXX and they sent me a letter stating that a request was sent to the credit bureau to have the 30 day late payment removed. It has not been removed and I have disputed with credit bureau and they state XXXX is not removing from bureau.
I also have another recent issue with them where apparently my mail is being returned to them from the post office so i did not receive my last statement and the account went 31 days late. I tried calling in to speak to someone on XX/XX/XXXX and the fees were credited due to the proof of the mail being returned but i am afraid they are going to do to me the same thing they did earlier this year. Neither of these issues are my fault and need to be token care of.
Consumer complaint received 2017-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (NV)

0nXX/XX/XXXX I found a derogatory collection account filed on my credit report.
caine & weiner filed it against me for retailer XXXX XXXX.
however I never owed XXXX XXXX any debt or did not complete a transaction with XXXX XXXX during the time period in questionXX/XX/XXXX.
i called XXXX XXXX and started a fraud investigation against caine & weiner and XXXX XXXX told me that tgey do not use 3 party collection agencies this company has over 100 fraud complaints with the BBB for putting fraudulent derogatory collections on credit reports.
caine & weiner collections XXXX XXXX XXXX XXXX XXXX ca XXXX  XXXX XXXX or XXXX XXXX XXXX suggested I file fraud reports with law enforcement and i have done so.
XXXX XXXX XXXX automated system option 3 option 1 XXXX fraud case number i have file a police report lvmpd fraud report atty general fraud.org naag.org ftc.gov ic3.gov.
this scammer crime goes after the eldery i
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2015-06-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (TN)

I wrote in XX/XX/XXXX and XX/XX/XXXX to advise RESURGENT CAPITAL SERVICE, that the allege account # XXXX is not mine and to seen a sign contract that they company got from the original creditor XXXX XXXX, I was advise by phone on XX/XX/XXXX at XXXX that they contacted the original creditor and was n't able to validate the account. I advise them that they letters was giving me XXXX. The company advise me they will continue to seen the demand notes to me.
Consumer complaint received 2023-06-13
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights.

15 U.S.C 1681 section 602 A. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-05-05
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC. (VA)

I requested a closure of my XXXX XXXX Savings Account on XX/XX/XXXX with instructions to mail the balance by check to the address on file. The online portal shows that the account was closed and a check was issued on XX/XX/XXXX. I had not received this check as of XX/XX/XXXX, so I called the customer service line for an update. They advised that they would re-issue and mail a new check. I had not received this check either as of XX/XX/XXXX, so I called customer service again. I was initially told that my account was closed so they were unable to help. I stated that this was unacceptable so the customer service agent made further inquiries. I was then told that the issue was escalated to a different department and I would need to wait 7-10 business days for an update. This is also unacceptable as I need the funds to complete a rollover within 60 days.
Consumer complaint received 2024-03-11
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 sent a letter on ( XX/XX/2024 ) to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XXXX XXXX I bought a XXXX XXXX XXXX XXXX called XXXX XXXX Package in which I was entitled to weekly training webinars, XXXX assigned mentor for support, assistance and review for financing on qualified deals, offers and contracts before submission, XXXX XXXX to work deals for 2 days, Access for XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX told me I will get all of this as soon as I pay for the package. So on XXXX XXXX I paid with my debit card from Citibank the amount of XXXX and on XXXX XXXX I paid the amount of XXXX. On XXXX XXXX I call Citibank to dispute these transactions because on XXXX XXXX I called XXXX XXXX and makes my complaint about not getting all the things that were in the contract I signed they told me I have to wait for they to check if I qualify to get my money back. So this is the reason I dispute these transactions with Citibank to help me to get my money back. Then Citibank sent me a letter asking me for the days of the transactions and the amounts and explanation of what happened. They never ask me to send any paperwork, I did what they asked me for following the protocol but on XXXX XXXX they sent me letters saying that they werent able to resolve the dispute because of lack of information. I called them and sent them email letting them know they never asked me for any paperwork to proof or show the fraud so they reopen the disputes but till now they never answered me back. On XXXX XXXX I sent by a fax all the paperwork asked me from these transactions and I didnt get any answer back so on XXXX XXXX I sent a mail to Citibank with all the paperwork they asked me but till now I dont get any response. I think I acted as fast as I could to dispute these transactions but Citibank didnt support me. This XXXX XXXX  had a court accin that the FTC of USA opened against them around XXXX XXXX after that on XXXX XXXX The court by the petition of the FTC cancelled everything XXXX XXXX XXXX were doing because of the fact of using students selling classes package that they never give to them properly according to their contracts. Im in New York and I know there were many students from different states of USA that were affected by XXXX XXXX XXXX but I know many of them were helped by their banks to get their money back. My complaint is against Citibank because they didnt give me enough support to get my money back and till know every time I called them they kept me in the phone for hours with no explanations about my disputes. I know they been helping students that did their transactions on XXXX and XXXX but I feel that they denied their help to me. I have all the paperwork that I sent to Citibank if you guys need it to help me Thanks so much Sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-05
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.