davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One account had multiple charges that either didn't belong to me or where incorrect. This led to the account going over the limit. Capital One refused to fix multiple errors, then charged late fees, overdraft fees and refused to agree to a repayment plan or remove the additional charges I was being assigned in error. I then started working with a credit repair company, at Capital One 's insistence, made payments ( the credit company said the terms they quoted were what Capital One agreed to ) and repeatedly told the credit repair company that the modifications Capital One were requesting was authorized. In the meantime, even though I made the payments timely and at the level requested initially, Capital One marked my account 120 days late.
Consumer complaint received 2018-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

Coinbase.com is not allowing me to withdraw my money. I have verified my identity with drivers license and selfie photo. I then have attempted for over 30 days to complete a questionairre verification. When I complete it accurately it says it could not locate my id. Does not make sense. I want to withdraw my {$4100.00} and have it deposited in my bank account from which it came. 

They said my ticket has reached critical status over two weeks ago and that someone will email me. No one has reached out to me after 30 calls and 30 emails to their office.
Consumer complaint received 2022-10-20
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: EQUIFAX, INC. (VA)

( DISPUTE CODE - XXXX ) ( DISPUTE CODE - XXXX ) My personal information was stolen and used for fraudulent activities in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed : XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX-Equifax XXXX XXXX XXXX-Equifax XXXXXXXX XXXX XXXX-Equifax XXXXXXXX XXXX XXXX-Equifax XXXX XXXX 04/03/2021-Equifax XXXX XXXX XXXXEquifax XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX-Equifax XXXX XXXX XXXX-Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2020-06-05
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. (CA)

XXXX XXXX XXXX XXXX THIS ACCOUNT IS REPORTING A 30 DAY LATE PAYMENT. This is correct. Experian failed to validate the late payment. 

XX/XX/2019 XX/XX/2019
Consumer complaint received 2019-03-23
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: Amsher Collection Services, Inc. (CA)

An account on my report does not belong to me and I disputed it but was unfairly resolved against me AMSHER COLLECTION SERVICES AC # XXXXxx REPORT NUMBER XXXX  XXXX-XXXX-XXXX
Consumer complaint received 2019-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I contacted USAA over 40 times regarding a dispute. I asked to appeal this dispute with my credit card after speaking with XXXX. I uploaded an exhorbitant amount of documentation. The CEO office said XXXX, I never called in XXXX to dispute the transaction. I told her I will put my hand on my son 's life that I most certainly disputed it in a timely manner. USAA refused to investigate. Now, they made a barrage of XXXX excuses to appeal. I was told by XXXX in the CEO office she was reaching out to a analysts to call me. This was another blatant lie. She lied about me never calling in. She leaves a voicemail that states I did dispute it but now the time frame is out. All of it is the most extreme case of incompetent XXXX bankers I have ever done business with in my life. I filed one complaint already and this is for refusing to follow up and appeal it after making a incident report with XXXX and uploading documents all month long to their commands. If in fact the debit was out of the time just say so from the jump! No, because it wasn't, this is just another narcissistic evil XXXX move.
Consumer complaint received 2018-04-25
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. (ME)

A vehicle was purchased through XXXX XXXX XXXX by another person with the same name as mine, it is not my account so I disputed with credit bureau. The account was removed after 3 months of back and forth. Now it is again showing up on my report, along with the other man address. Also some of his collections that had been removed are showing up again. I have been dealing with this issue for almost a year now. What rights do I have if XXXX  insists this is my account, which I know it is not because they removed it previously?
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc. (TN)

I have sent requests to both Nelnet and XXXX for the original instrument of indebtedness to prove I owe over {$10000.00} in student loan debt. It has been over 30 days and I have not received it. I have called XXXX to have the debt removed and they have refused and can not tell me what information they have been given to validate the debt.
Consumer complaint received 2022-05-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC (CA)

Capital Accounts has forwarded a bill to me XX/XX/2021 attempting to collect a debt from me that I do not owe. In the letter they use threatening language stating it was a demand for payment and failure to respond within 30 days that Capital Accounts would report the debt to Credit Reporting Agencys. I responded XX/XX/2021 Certified mail asking them to Cease and Desist, and for proof verifying such debt I allegedly owed ; and they have not done that. Ive sent three other documents for request and for damages and still no compliance. Capital Accounts has sent a bill to my dwelling and has made my phone ring without my prior consent ; and has now reported false information to my credit report, ignoring my request to Cease and Desist. Capital Accounts are in Violation of False Claims Act as they have not provided verification of such claim against me but yet have taken it upon themselves to still report false information to my credit report. Capital Accounts has used abusive and unfair debt collection practices in Violation of Consumer Law. I conclude that I have never done business with Capital Accounts, and I have no connections to Capital Accounts. I dont know who they are ; why they have reported false information on my credit report.
Consumer complaint received 2022-01-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION ()

Commencing on or about XX/XX/2020 I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammer ), representing a fake company XXXX all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. It should be noted that the Scammer is a client of yours, registered as XXXX XXXX XXXX with committing financial crimes right under your nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my XXXX Bank account in the total amount of 3000 USD utilizing Santander Bank services.
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

On the morning of XX/XX/2022 I posted a sofa for sale on XXXX XXXX for {$600.00}. I was contacted by a man named XXXX XXXX. He asked the condition of the sofa and stated he was good with the price. He also stated he would send me the money through XXXX and his brother would be picking it up. The he proceeds to tell me that somehow XXXX took his payment twice and the only way to resolve the issue was if I sent the money back to him so they would release the total sum. At the same time I received an email from what appeared to be XXXX stating there was an overpayment and I would need to transfer {$350.00} in order for them to release the funds. After receiving the email, I believed this was just a hiccup, so I transferred the money. I provided proof once the funds showed as sent and then he proceeds to tell me XXXX now took a total of {$1300.00} from him and requested I send it back. I stated I received no money and I wasn't comfortable with where this was going. I then reached out to USAA since I used XXXX through their app. I believed since my bank was promoting this company, chances were great it was a trusted site. Especially with USAA. Once I told the gentleman that I believed this as a scam and I responded to the last email from XXXX, the person became hostile by XXXX XXXX ( which he was aloud to delete without my permission, alothough I have some screen shots ) and also through the " XXXX '' emails. The representative at USAA told me not to worry, go have a cup of coffee and all would work out. I was never told that rarely they get the money back or that I should report it to any other entity. On XX/XX/2022 USAA sent me a document stating they were not able to stop the transfer, could not receive the funds and the other bank was refusing to reverse it. Although I have all the proof showing I was scammed. How can a bank promote an app without protecting it's members? How is this legal? How is it legal that XXXX itself won't even allow you to report fraud or a scam? I am begging for help. I can't imagine how many other people are experiencing the same situation. 
The contacts I had from the scammer were XXXX XXXX on XXXX and XXXX XXXX - email : XXXX - XXXX XXXX XXXX ID : XXXX
Consumer complaint received 2022-05-04
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)

n accordance with the Fair Credit Reporting act XXXX  Account Name XXXX XXXX Account # 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
Consumer complaint received 2018-12-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

Lender : Webster Bank in Connecticut ( XXXX, their public number ) On XX/XX/XXXX, I was charged a late fee of {$46.00} for a required payment of {$29.00} that was due on XX/XX/XXXX. 

I feel that this action by the Bank is unfair and deceptive. 

I asked the bank to kindly waive the fee. They refused. 

This is a variable loan, so I have been making a recurring payment of {$900.00} for the past several months, an amount that exceeded the minimum payment amount. The loan repriced in XXXX, which I wasn't tracking. 

As a result, the {$900.00} that the Bank received on XX/XX/XXXX was {$29.00} short of the minimum amount due. Immediately upon receipt of banks past due notice on XX/XX/XXXX, I called the Bank and brought the account current that day with a transfer of {$29.00} from the linked DDA account at the Bank. 

The late fee of {$46.00} is 5 % of the minimum amount owed which was {$920.00}. 

I feel the Bank 's charge is unfair, at I think it is unfair to charge {$46.00} on a short-payment of {$29.00}. As I brought the loan current on XX/XX/XXXX, I believe this amounts to a 5700 % interest rate on the amount owed of {$29.00}. I think a reasonable person would regard this practice as unfair. 

I think it is deceptive, because a condition of the loan is that I am required to maintain a linked non-interest bearing checking account and grant to the Bank a right of offset for the outstanding payment on the load. The linked checking account had a balance exceeding the {$29.00} that was owed. 

I think it's deceptive to require a linked checking account, ask for a right of offset, and then choose to charge a late fee of {$46.00} when the only reason to require the right of offset is to make the transfer from the DDA when required.
Consumer complaint received 2019-03-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/XXXX I purchased a home through county foreclosure auction at XXXX XXXX XXXX XXXX, XXXX FL XXXX After the sale had closed I discovered that Bank of America had a lien on the property that wasnt released in the foreclosure. I contacted BoA who reviewed the file, inspected the property and after negotiation agreed to accept {$15000.00} as full and final payment ( attached ). Soon after I received the document in XX/XX/XXXX I received a follow up phone call from the representative, XXXX XXXX Ph XXXX to confirm I had received it and asking when I could make payment. I advised him I would need to put all my funds into the property to renovate it to be able to bring it to the point where I could sell or finance it and be able to pay the agreed amount. He accepted this answer without caveat and I have had no contact of any kind since. 
I have spent 2yrs investing my time and money to renovate this cottage that was completely derelict ( BoA own inspection confirmed the very poor condition ) and finally was able to complete it, and with the help of the improved market I am able to sell it and breakeven. The property is now in escrow with a close date of XX/XX/XXXX. The escrow agent contacted BoA to verify the payoff paperwork and was told that BoA was going reassess the demand since values have gone up! 
Per the attached the agreement we made for {$15000.00} has : No per diem, payoff figures will not expire. 
BoA blatant attempt to now renegotiate the deal because I have spent two years and my savings to renovate this home is unscrupulous and unethical. They have no cause to reassess this agreement, they have not contacted me in any way since negotiation to advise the time was limited, and only now through greed are they trying to take advantage of the situation. 
Please quickly move to require them to honor the agreement made as I have worked for two years in good faith to deliver on my commitment to pay them the agreed amount. To lose this escrow, the only one in months on the market would be devastating.
Consumer complaint received 2019-03-23
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Merchants and Professional Bureau, Inc. (TX)

I sent MPB a certified letter with return receipt on XX/XX/2019 requesting them to remove medical collections that put on my credit reports for all 3 bureaus, and sent them a copy of the HIPAA acknowledgement and consent form showing them that they DO NOT have my consent to disclose my confidential medical information. They signed the certified return receipt on XX/XX/XXXX by XXXX XXXX ( see attached Tracking Receipt. ) They responded to me by letter dated XX/XX/XXXX saying that they contacted there client XXXX XXXX XXXX saying that they would delete the account once it is paid off. They are in clear violation of the HIPAA act. Please have them delete all collections and put them on notice that they DO not have consent to place any collections on any of my 3 credit reports ( XXXX, XXXX, XXXX )
Consumer complaint received 2018-12-12
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2018-10-11
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bliksum, LLC (CA)

The company XXXX XXXX XXXX has repeatedly called me at work after I instructed them not to, and they have discussed my debt with our office assistants threatening to garnish my wages, they said they did not know it was a work number even though they have called multiple times with these threats
Consumer complaint received 2018-12-12
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. (IL)

Over the last 6 years I have disputed 8 public records on my credit report that have pretty much destroyed my ability to obtain credit from any creditor using Experian. I have been denied credit over 10 times. I have made Experian aware that I was a victim of identity theft, provided police reports and notes of my own research as well as I sent proof and documentation from the other bureaus that did verification and removed the inaccurate information. In the past I have requested the method of verification used to verify the accounts and never received it. I called the Bankruptcy courts and was told that they do not report bankruptcies and that the information I provided could not be found in their system. I also contacted agencies that such as XXXX which is used for verification purposes and was not able to verify the information on my credit report. I have mailed another request for investigation Experian onXX/XX/2018
Consumer complaint received 2022-07-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (MD)

I purchased a vehicle at a local dealership and financed the loan through Gateway One Finance and Lending. I paid off my loan a couple moths early in fact. GOLF subsequently went out of business, but never released the lien on my car. I can not obtain a duplicate title. I tried reaching out multiple times to Santander, the purchaser of GOLF 's loans, but they can not be bothered to include the necessary information so that the lien on my car would be released nor can they do this in a timely fashion. There are dozens of complaints on the XXXX XXXX XXXX website for the same situation. This situation needs to be rectified for me and for the dozens of others who have been impacted by the slovenly business practices of these XXXX entities, only XXXX of which is defunct. 

Thank you for your time and attention to this matter.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX Account Name XXXX XXXX Account # 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
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

I have a fraudulent transaction for the amount of {$300.00} that was posted on XX/XX/2022. Upon noticing this charge, I reported it to PayPal on XX/XX/2022. It has been a month now and I have not received a resolution from PayPal, nor have they credited my account while they conduct their investigation.
Consumer complaint received 2018-12-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

Multiple times I have contacted all 3 credit bureaus XXXX, XXXX, XXXX about the false collections showing on my credit for XXXX XXXX through a collection company called Ad Astra Recovery Service for XXXX. This collection is not mine and is from identity theft, the collection agency has been contacted and can't provide proof that this account is legally mine.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX sharing old accounts with other Finance companies and credit reporting AGENCIES and will not fix the problem Name is not right on Credit Report XXXX XXXX XXXX not XXXX XXXX setting me up for someone to use my credit authorize using on my account and I call my company and they had to remove my credit reports needs to be clean up and no one is doing it they put o neg account but showing neg reporting old car account from XXXX still on reports I got a car in XXXX XXXX XXXX they got a removal date in XXXX XXXX XXXX XXXX  same thing Transunion the same thing will not update or making Changes old Inquiry old not updating payments I call all my creditors they report monthly not changes address duplicate more then XXXX time some address not right will not let me dispute it and it is now going into XXXX some of there said not changes in payment last reporting in XXXX not correct my credit report is so mess up I do not understand it I ask for all three report never receive them