davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$890.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$380.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$1800.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$160.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, DO : XX/XX/XXXX, Amount {$160.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$240.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$950.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

My name is XXXX XXXX. My date of birth is XX/XX/1986 and my social is XXXX. I am a victim of identity theft and have already submitted a copy of my police report and identity theft report to both XXXX, XXXX, and Experian. They have not only ignored my request, but they have not removed these fraudulent items. They also allowed a fraudulent item they had removed years ago to reappear on my credit report. 

XXXX  is reporting a fraudulent account with XXXX XXXX Experian is reporting a fraudulent account with Chase Auto, XXXX XXXX, and XXXX XXXX XXXX is reporting XXXX XXXX reporting for XXXX  XXXX
Consumer complaint received 2022-09-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (LA)

XXXX had the debt for 5-6 years and they never set me any information about the repo like when it was sold for how much which is required.. Now NCB MANAGMENT SERVICES is on my credit report for this debt and when I asked for validation of debt they sent me letters of the billing statements and not proof that the debt was mine or that they tried to contact me before adding this to my credit reports which has no ruined my credit.XXXX I sent them a letter asking for proof of sell and the amounts the vehicle was sold for.. I sent this to them more than 30 days ago and have not heard back..
Consumer complaint received 2019-02-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MS)

I called my mortgage company to ask for help to avoid foreclosure around XX/XX/XXXX. I spiffily asked for a modification package they advised me it was to late because my account was in foreclosure. My daughter -n- law told me on XX/XX/XXXX to print package off and send in because they can't deny a complete package. We called them on XXXX, XXXX, and XXXX trying to check status of package. My daughter-n-law sent authorization to help with me and they told her it would take 30 days to confirm written authorization. They were giving me the run around for a week and they finally spoke with her and me XXXX and said they declined the package. They said I didn't print my name on the XXXX page of financial page but my signature was on the paper. They said I didn't send XXXX form no one called to advise me of this, but we spoke with supervisor and emailed documents XXXX. They said they are not sure if they will have time to look at package I advised you have a complete package on XXXX how long will it take to review. Supervisor advised she didn't know but to callback on XXXX by XXXX. I'm doing the complaint because if she would have told me I could print package on XX/XX/XXXX we wouldn't be going through this. Also, because they say their process is 30 days to confirm authorization and most companies take 24 to 48 hours. Also no one told me I could have gave my daughter-n-law verbal position for 30 days until XXXX when she asked how to get authorization on the first conference call we have on XX/XX/XXXX. Please help in any way you can. Me and my husband are elders and my I lost over 2000.00 in income and my husband just got out of hospital.
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (VA)

On Wednesday XX/XX/XXXX I purchased a aftermarket set of custom wheels for my vehicle the website offered same-day local delivery the total amount I paid was {$5200.00}, The order was never received the same nor next day and the merchant has since refused all communication with me since receiving payment and there website is no longer accessible. The purchase was made via my Cash App debit card so my only other option was to dispute the payment as product not received. The dispute was denied within 3 days by cash app and the reason provided was the merchant fulfilled their obligation. This is a blatant lie and I do not believe cash app investigated this issue at all, The merchant never shipped nor delivered the order or provided any tracking what so ever.
Consumer complaint received 2019-02-08
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: General Motors Financial Company, Inc. (GA)

I recently received a copy of my XXXX, XXXX, and XXXX  credit report. The credit report showed a credit inquiry by the company that I do not recall authorizing. 

I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please have this inquiry removed from my credit file. 
I have sent a letter certified mail because I need a prompt response to this issue and I requested that the company forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

The company redirected me back to CFPB.
Consumer complaint received 2022-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (OH)

ATTACHED IS DEBT VALIDATION LETTER AND SSC I don't know what account this is and how this company got my personal information which they commited identity fraud to get that. I also don't have a contractual obligation to pay this fraudulent account CAPIO ACCOUNT # XXXX *Please see attached documentation
Consumer complaint received 2023-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (AZ)

On Saturday, XX/XX/2023, I swiped my card at a gas station, for {$7.00} I went to another store, that took about 30 minutes to get to, and spent {$52.00} While i was in transit, someone " swiped my card '' at XXXX XXXX XXXX XXXX. ( I have physical possession of my card ) I noticed the transaction at around XXXX and called Cash App immediately and started a dispute. I called the ONLY XXXX open that day and the manager said he would call me back, which never happened. I then called the XXXX police dept and made a report. Cash app has repeatedly denied my claim and will not explain why other that I made the purchase. Which I did NOT. I have since stopped using the card, pulled all the money out and I'm still getting text messages that the card is still trying to be used by someone. I have notified Cash App that the problem is still there to which nothing has been resolved. 
This is what I found out XXXX does NOT take Cash App cards. 
XXXX does NOT charge XXXX for ANYTHING. 
XXXX is billed XXXX XXXX I am being billed by XXXX XXXX XXXX. which is either a pet shop in XXXX or a trucking company in XXXX AZ which is more than 2 hrs from me. Either way, usually when a legitimate company bills, they have an address or phone number attached to the transaction. In this case, there is no address or phone number. I am only seeking my money back.
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act everything on my credit suppose to be accurate on my credit report 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 Also Equifax took more than 30days to complete my investigation. I sent Equifax my request to investigate XXXX  XXXX Account number XXXX I mailed the request XX/XX/2023 which they received XX/XX/2023, tracking number ; XXXX Equifax has the incorrect date opened, last reported date incorrect, and the date last active incorrect, account type is blank, account status incorrect
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America restricted my account and ultimately closed it without giving an explanation. I have a balance of {$28000.00} that the bank has refused to release to me after closure of the account. The bank has no right to hold on to my funds and since they have decided to end the banking relationship, they should release my funds and we can all move on. thanks
Consumer complaint received 2022-08-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

You have violated my rights. you sent a letter stating that my fraud case was closed but didnt send anything validating this. How are you sending me a form to fill out with information when stating i owe you anything. You should be showing me how i owe this debt when i know i dont. In pursuant to 18 USC 8 all debts are a obligation of the united states. so I dont owe this debt they do. Also you stated in a letter that i recieved before that you are the original credit which is incorrect this consumer credit transaction would not have been able to come about with out my social security number which is the only way that you were able to recieve these funds. 15 usc 1692a ( 3 ) I am the consumer ( 4 ) as i stated above I am the original creditor of this account I am demanding that this account be removed from my consumer report as i previously requested because I didnt give you written permission to add this account to my report at any time. You have also sold several things to XXXX XXXX XXXX as well which is annother violation 15 USC 1692d, 15 usc1692c. You have caused me so many issues from not being able to get jobs because of the things you illegally reported. To having my phone constantly ringing from your debt collectors to you blowing up my email. then not even allowing me to login to said accounts. Also you are sending positive balance statements which means you have already been paid for these accounts so you are actually double dippimg trying to get extra money in which is illegal as well. you have charged off most of my accounts with you all and i have never received a 1099 for. XXXX I should check with the irs inregards to that because thats illegal as well.Pursuant to 15 USC 1692k I am demanding that these accounts be removed immediately and a check or all security interest and any amounts paid on these accounts be returned to the name and address listed on this complaint with in 15 days. 15 USC 1692I i am well aware of.
Consumer complaint received 2019-02-08
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: Santander Consumer USA Holdings Inc. (GA)

I recently received a copy of my XXXX, XXXX, and XXXX credit report. The credit report showed a credit inquiry by the company that I do not recall authorizing. 

I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please have this inquiry removed from my credit file. 
I have sent a letter certified mail because I need a prompt response to this issue and I requested that the company forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

The company redirected me back to CFPB.
Consumer complaint received 2019-02-08
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have an inquiry from inquiries that I believe to be incorrect on my credit report from CAPITAL ONE AUTO FIN/CAP ONE NA and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed :
Consumer complaint received 2019-02-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc. (MO)

I have NO CONTRACT with this collections agency. Not only have they failed to show me proof otherwise with any documentation bearing my signature, showing the account is being reported accurately. They claimed to have send me out several letters but I have not received any letter at all bearing my signature that I have signed or any copies HIPAA authorization. I am guessing that they are unaware that an itemized document or a printout of a bill does not constitute verification. I feel as though several violations have occurred : Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2021-11-21
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MO)

Opened the XXXX XXXX XXXX credit card and made a purchase in the amount of XXXX on XX/XX/2021. There was a 20 % rewards points going on at this time. Unfortunately the item purchased was out of stock so only the deposit was charged on the credit card at that time. The deposit received the full 20 % rewards but when the item was delivered and the balance charged, only 10 % rewards were provided. Called Synchorony on XXXX and they referred me to XXXX XXXX XXXX. XXXX XXXX XXXX  said they filled out an internal form to receive the full promotional 20 % rewards and there was no action needed from me and no confirmation number but they left notes on the account. Need full 20 % rewards on {$1600.00} in the amount of {$160.00}. This has not been done as of this complaint submission. This is unfair as the items availability was outside of my control and my purchase decision was made under the marketing promotion that I would receive 20 % rewards for my purchase but I did not.
Consumer complaint received 2019-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Kentucky Higher Education Assistance Authority (FL)

I have contacted kheaa on several occasions and havent gotten a response back with a copy of the original master promissory note in full, im only getting first page that i was never given a copy of. The full promissory note should be 8-10 pages or so like mine from XXXX   college. I also would like a copy of a full details of the loan amounts when they obtained them, how fees were assessed in default, any payments they recieved and how they were applied, and any correspondence they had with me once they obtained my loans in XX/XX/2015 and how they got the information for the addresses they used to notify me of my initial default and my options bc i didnt give them the address that they used for mailing those important documents and they weren't not mailed to my mom to give me even though she is listed to use as a reference to contact me, all areas codes on all the telephone numbers are entered incorrectly so i never got contacted. I feel like things were intentionally mailed to incorrect addresses so i would default. Bc my other loan servicer XXXX was able to contact me and send me mail just fine. And if i dont get an email response, alerting me to respond to this, i was unaware that a response was even sent to me until months too late on 2 previous complaints. This time ill be sure to check back.
Consumer complaint received 2019-02-07
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I recently received a copy of my XXXX, XXXX, and XXXX credit report. The credit report showed a credit inquiry by the company that I do not recall authorizing. 

I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please have this inquiry removed from my credit file. 
I have sent a letter certified mail because I need a prompt response to this issue and I requested that the company forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

The company redirected me back to CFPB.
Consumer complaint received 2018-02-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

On XX/XX/2018 I lost access to my account on XXXX.XXXX. 
I have over {$100000.00} in asset and cash and not able to access. Customer service is non-existent and I am not able to view. withdraw, or access my account what's so ever. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Case ID : XXXX
Consumer complaint received 2019-02-07
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: ALLY FINANCIAL INC. (GA)

I recently received a copy of my XXXX, XXXX, and XXXX credit report. The credit report showed a credit inquiry by the company that I do not recall authorizing. 

I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please have this inquiry removed from my credit file. 
I have sent a letter certified mail because I need a prompt response to this issue and I requested that the company forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

The company redirected me back to CFPB.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX- XXXX I tried disputing these on my credit report with Experian and XXXX XXXX but they didnt come if they said it was accurate but its not these accounts were opened fraudulently in my name