davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (TX)

My husband and I have an XXXX  Account that we haven't been able to use for a few weeks now and we do have money in our account. we have tried to call them several times and the response is always " the XXXX  department is not available please leave a message '' We leave messages and they never call us back. We need to pay for health appointments and we always use this card and now we have no way to access this XXXX  Account We need help. On the upper left side under the XXXX  it says A Division of Webster Bank. N. A This is a Debit XXXX card. The # in the back is XXXX or XXXX. Lower right back of the card has a little star in a square with XXXX under the star In the bottom of back of card in small print it says This card is issued by XXXX XXXX  pursuant to a license from XXXX XXXX XXXX XXXX XXXX. I hope you can help us resolve this issue. Thank you XXXX XXXX XXXX My email is XXXX My husband XXXX XXXX also has a XXXX card.
Consumer complaint received 2019-08-01
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 (MD)

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks!

ACCOUNT NAME : CAPITAL ONE, ACCOUNT # : XXXX, DATE : XX/XX/2016, BALANCE : XXXX, REPORTING ON : XXXX ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/2016, BALANCE : XXXX, REPORTING ON : XXXX.

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/2016, BALANCE : XXXX, REPORTING ON : XXXX.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo (FL)

The company was having a system issue. when I first signed up for them I saw no interest so I sent a email to cancel months down the line they keept charging my card with out my knowledge after several email the reached out and said unfortunately I stuck paying for this credit builder loan I reached out again because I notice that they gave me a late payment when I cleary wasnt late theyve havent done nothing to fix it they are reporting a balance from three months and keep giving me the run around
Consumer complaint received 2022-07-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I keep getting emails and texts stating I have applied for and been approved for a Bank of America credit card. I have never applied for a credit card from Bank of America. I contacted them and reported the fraud but I keep getting texts/emails stating I have been approved and the credit card will be mailed to me. The only information I have on the credit card are the last 4 digits of XXXX. I have not received the credit cards they say are being mailed. This all occurred starting XX/XX/22 and is continuing as of today.
Consumer complaint received 2019-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MA)

Hello, I just finished talking with 6 different representatives at 3 different offices about an alleged debt that was sent to them. They couldn't verify the SSN and reporting the wrong balance. The credit bureaus are saying that I owed {$390.00}, however, when I call them they kept saying that the balance is {$0.00}. Again, : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2017-06-01
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. (MD)

I have tried on  3 different  occassions to resolve this matter of inaccurate accounts being reported on my credit report for  XXXX  accounts listed for  XXXX   XXXX  in the amounts of {$140.00}, {$430.00}, & {$130.00}. I have no idea what these accounts are for I previously sent a letter to  XXXX   XXXX  and never received a response. After not receivng a response  I sent 2 let ters to all  XXXX  credit bureaus and to date I have not had any recourse. The acocunts has been updated as meeting FCRA requirements however I have n ot received a contract or any documentation bearing my signature. I requested the CB 's provide me with the documentation and information they used to validate all   XXXX   of these accounts. Under the FCRA 611 ( a ) I also requested the method of validation that was used. Who, where, and how was my dispute forwarded  to this company and who, how, and when did the company responded. To date I have not received either, therefore the credit bureaus are violating my rights.  On 2 seperat e occassions I received a letter stating that my dispute could not be investiaged because the address on file was not listed but that is a lie the address  XXXX   XXXX   XXXX   XXXX  is listed on my credit report please see attached copy. I am under no lawful obligation to provide any more personal information besides my social security number and I will not do so.
Consumer complaint received 2022-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (FL)

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ABILITY RECOVERY SERVICE XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ABILITY RECOVERY SERVICE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-06-20
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. (CA)

I have 4 incorrect things on my credit report. I have 1 collection from XXXX XXXX and XXXX charge off from XXXX XXXX. This is against my rights. I shouldn't have several accounts from the same source. I disputed EOS for 1073 on my account because balance is extremely high and was told balance was correct but no proof of what what being charged to me was shown to me. I had an account with XXXX and financed a phone for XXXX, plan was month to month no early termination fee and no finance fees. Why am I being charged over XXXX dollars? I have a negative charged off account for XXXX from chase. They are reporting balances and past due incorrectly. I want all 3 negatives removed including the extra negative report from XXXX XXXX.
Consumer complaint received 2017-06-01
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. (MD)

I have tri ed on 3 diffe rent occassions to resolve this matter of inaccurate accounts being reported on my credit report for  XXXX  accounts listed for  XXXX   XXXX  in the amounts of {$140.00}, {$430.00}, & {$130.00}. I have no idea what these accounts are for I previously sent a letter to  XXXX   XXXX  and never received a response. After not receivng a response  I sent 2 l etters to all  XXXX  credit bureaus and to date I have not had any recourse. The acocunts has been updated as meeting FCRA requirements however I have not received a contract or any do cumentation bearing my signature. I requested the CB 's provide me with the documentation and information they used to validate all  XXXX  of these accounts. Under the FCRA 611 ( a ) I also requested the  method of validation that was used. Who, where, and how was my dispute forwarded to this company and who, how, and when did the company responded. To date I have not received either, therefore the credit bureaus are violating my rig hts. On 2 sepera te occassions I received a letter stating that my dispute could not be investiaged because the address on file was not listed but that is a lie the address  XXXX   XXXX   XXXX   XXXX  is listed on my credit report please see attached copy. I am under no lawful obligation to provide any more personal information besides my social security number and I will not do so.
Consumer complaint received 2015-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (GA)

I am disputing information recently sent to me by Experian on report frompreviously disputing inaccuracies on my credit report. This information detail personal information such as name, co-spouse, and telephone numbers. The accuracy of this information is important to the respect of XXXX parties.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

I am a federally protected consumer XXXX has committed a breach of fiduciary duty as they are trustees, They have failed to perform a promise in benefitting me the consumer in the way I see fit. My application authorized XXXX to access my consumer credit per them running my credit. This is an adverse action as I received NO BENEFIT which is a violation of the Truth In Lending Act. A consumer credit transaction happen when my credit was ran. I received ZERO BENEFIT therefore this is a violation of 15 USC 1602 ( p ) which is states ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. My credit being ran and me not receiving my credit extended back to me is proof of fraudulent activity i will try to settle outside of federal court but will sue for damages and remedy as i am a federally protected consumer
Consumer complaint received 2022-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (PA)

When my XXXX and I visited XXXX XXXX in XXXX, PA, we did the tour, he took all the tests, we submitted all the applications for tuition assistance, etc. We were told before we left that day that he qualified for FULL TUITION scholarship. We were also told that he would be given a job while he was attending school so he would have money for living expenses. We WERE TOLD that they had food vouchers for the students- which turned out to be a complete lie. The " job '' they gave him was to sit by a phone and wait for it to ring. He has high XXXX and needs to keep active. They knew I lived XXXX hours from campus, was a single parent barely holding it together financially. An incident occurred at the dorm where a student was XXXX and vandalized a fire extinguisher which in turn summoned the fire department. My XXXX  was trying to stop the drunk student and got blamed for the incident and evicted from the dorm. This was XXXX MONTH prior to graduation. He was permitted to continue classes, but had nowhere to live in the meantime. I was told I could appeal the eviction, which I did- but was told it was too late. They didn't fax me the proper paperwork timely and I faxed back the required information within minutes after I received it. XXXX months later I get a bill from XXXX XXXX that I OWE THEM over {$25000.00}! I have told this story probably XXXX times to different organizations and NOT XXXX person has done anything about it. It's been XXXX years now and I am still struggling to pay the loans that WE WOULD NEVER have agreed to in the first place. The school is closed now and my son has a " Certificate '' and does not work in his field of study. He's a maintenance person for the most part and has learned some other on-the-job skills that are worth more than a certificate from a dishonest school. The person we spoke to the day we toured and registered has NEVER EVER returned my call. I know this is years ago, but every single time I see how much money I owe for something that we were scammed out of, it makes me really, really, really mad.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2017-06-01
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. (MD)

I have  sent 2 le tters requesting that the account with  XXXX   XXXX  on my report for {$590.00} be removed. I provided the credit bureaus with a letter that I received by  XXXX   XXXX  stating that on  XXXX / XXXX /   16  they requested this account be deleted. However to date the account still is being reported inaccurately. Instead of removing the account as instructed I received a response stating my dispute could not be investigated because the address I provided is not listed in my credit profile. However that is a lie. I have attached a copy of my credit report showing the address  XXXX   XXXX   XXXX   XXXX  is listed in my credit profile. This compan y is attempting to nagate my request and is in a violation of my rights. Under the FCRA I may be required to provide identification one being my social security number and I did that in my previous attempts. The CB 's are not government agencies therefore there is no law that requires me to provide any personal information such as medical cards, bank statements, or utilities. I will not do so the address match and this cla im must be investigated properly and efficiently.
Consumer complaint received 2017-06-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

At Coinbase.com I have over  XXXX  invested in  XXXX . However, for the past week the Buy / Sell option -- the only way to change  XXXX  back into  XXXX  -- had been  disabled for me for  no apparent reason. I still have a verified payment method that I used to buy   XXXX   with in the past, but the option to buy or sell currency is no longer available. So right after investing, I have been locked out of all my assets.  <P/> I have sent multiple messages t  o Coinbase support with no reply. I fear that I have been scammed into investing money into something that either does not work or is purposefully trying to deceive me.
<P/>
Hundreds of customers are also experiencing similar difficulties as shown here :   XXXX   XXXX   XXXX   For obvious reasons I need to be able to have access to my assets at all times. I have been trying to contact Coinbase via customer support forms, e-mail, private messages on their community forums etc, but they just keep on ignori  ng my complaints.
Consumer complaint received 2016-01-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (NY)

ALLIED INTERSTATE LLC continued to report an XXXX account that, does not belong to me, and also has repeatedly been removed from my credit report, yet, they continue to try and re-report the account. This is illegal the next step will be to bring a lawsuit.
Consumer complaint received 2022-07-06
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. (GA)

In accordance with the Fair Credit Reporting Act, 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 consumer reporting agency can not furnish a account without my written instructions. 15 U.S. C. 1666 B : 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 2021-08-23
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I contacted all three credit bureaus such as XXXX, XXXX, and XXXX XXXX in XXXX and XX/XX/XXXX regarding the account with Capital One Bank was opened fraudulent. Capital One is reporting it with the collection agency XXXX XXXX XXXX, XXXX. I also sent a letter to the creditor and the collection agency explaining the situation with supporting documentation. Credit Bureaus are still reporting the accounts and the creditor still say the accounts belong to me. Capital One Bank ( XXXX ) N.A {$1100.00}
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (TN)

Hi, About 6 months ago, after many phone calls, I was assured my Barclays Account Ending : XXXX have been closed. 

Barclays does not allow card holders the option to close their account online like other credit card companies. 

I was surprised to received an email from Barclays Card an " Account Alert : Your weekly snapshot '' today, XX/XX/2021.