davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (NY)

On XX/XX/23 I completed an online applicaiton with Freedom Debt Relief. I gave them all of my personal information including my social security number. I did not sign the contract because I had questions. I downloaded the application which was incomplete. but I called the XXXX number to get answera before signing contract. I spoke with a female a " certified debt consultant with Freedom Debt Relief ''. I did not catch her name I want to say her last name was XXXX. So I asked this customer service rep about how this works, she did have access to my information because she read off all the creditors, not sure how she received this information. I had a issue with one credit with my cosmetology school and I was to get back with her to give the name of creditor and actual amount due. I also had another question but this one was more concerning. She said she would call me back the next day which would have been XX/XX/23 at XXXX. I never received a call and have not received a call since. I tried calling XXXX back today XX/XX/23 ( XXXX and XXXX XXXX XXXX, and XXXX XXXX. all three times it stated it would connect me with a certified debt consultant agent but was immediately sent to a voicemail stating " my '' debt consultant agent would get back with me. I left a message today stating since no one has called me back as promised and no one is picking up or I am being transferred I would contact CFPB. 

My concern is my the giving of my social security number and how they can see all of my credit information and how they asking for permission to gain access to my creditors and me giving them my social security number they have all of my information.
Consumer complaint received 2021-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted TransUnion, XX/XX/XXXX, and XX/XX/XXXXon XX/XX/2021 by Certified Mail regarding removing unauthorized inquiries. 35 days later, these inquiries are still showing on my credit report. I sent another Certified Letter on XX/XX/2021 requesting that the inquiries be removed.
Consumer complaint received 2021-03-07
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have an account that is also is reporting different information on the credit bureaus. I have disputed this account several times and the bureaus have concluded it was verified. I asked for the method and proof of verification but never received anything. The bureaus are reporting different dates for last activity, date of last payment and, days late.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is G XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX OH XXXX. MY EMPLOYER IS XXXX XXXX XXXX. 
I have addresses on my credit report that do not belong to me please delete the the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following numbers are not my please delete them ( 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
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NV)

Acct XXXX Claim XXXX Correct amount {$3200.00} Date XX/XX/XXXX XXXX XXXX XXXX  XXXX insurance been taking money out of my account.i don't know how many times I have to complaint about this situation and nothing been done about chime close my account find .but what about the money that's been taking out my account
Consumer complaint received 2023-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

On XX/XX/XXXX of this year I received a collection letter from XXXX XXXX XXXX XXXX and they provided the option to dispute the debt via email which I did. On XX/XX/XXXX I received 2 collection letters from Resurgant Capital. The first letter only mentions they will review my dispute on the second page and the second letter claims I must send the dispute in writing but in the initial collection letter it clearly says I can email which is what I did. I also requested not to be contacted and they sent 2 letters to me.
Consumer complaint received 2019-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was looking at my credit report and I seen accounts and addresses that I never lived at. I have never lived in XXXX GA. There were several phone numbers that are not mine. Someone has open accounts for cellphone and cable bills. I do not recognize any of these companies : 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. I was looking into a home purchase when I discovered the account above. I have filed a report with the Consumer Financial Protection Bureau and Federal Trade Commission.
Consumer complaint received 2022-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX I owe bills which is showing on my Transunion credit report as a collections. I sent a letter of verification to XXXX XXXX XXXX and they sent me a letter back unable to verify that the debt is mine. I sent that same letter to Transunion credit bureau and the collection is still on my credit report after disputing Five times. Transunion says their dispute results are verified when they can not be because the credit collection company can not verify this information.
Consumer complaint received 2019-01-02
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. (OH)

I was looking at my credit report and I seen accounts and addresses that I never lived at. I have never lived in XXXX GA. There were several phone numbers that are not mine. Someone has open accounts for cellphone and cable bills. I do not recognize any of these companies : 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. I was looking into a home purchase when I discovered the account above. I have filed a report with the Consumer Financial Protection Bureau and Federal Trade Commission.
Consumer complaint received 2019-01-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TN)

Coinbase has several wallet types and they accept different crypto tokens. They have terms saying that it is important not to send crypto from a token from one wallet or exchange into a wallet or token different then the one you are sending from. In my case, I sent a token called XXXX to the coinbase BTC wallet. This transaction was allowed to go through however because the wrong token type was sent, the funds did not show up in my account. I understand their terms however they do have the ability with the private keys to reverse this transaction. There are complaints all over the internet. Im not certain of this but I assume they are essentially keeping the incorrectly sent funds. In my case it was {$7000.00} that I can not receive but they have. That doesnt make sense. This type of transaction should not be able to processed if it can not be received. I hope to fine resolution to this but Im doubtful. They are capitalizing off of peoples honest mistakes. Please help. XXXX XXXX
Consumer complaint received 2023-08-01
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. (FL)

XXXX, Transunion, and XXXX are showing two accts of mine being delinquent. Both Accts are paid in full and aren't late, they were never late. This has gone on for far too long. I have reach out to the bureaus numerous of time with letters and phone calls. And I never gave them written consent to report my credit. This is hurting my credit.
Consumer complaint received 2019-03-31
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: WELLS FARGO & COMPANY (MO)

On XX/XX/XXXX & XXXX, my identity was stolen. Someone tried to get a car in my name, resulting in multiple inquiries being made and affecting my credit score. I contacted the credit bureaus and they put a security hold on my credit report. I also tried to contact the companies that made the hard inquiries on my credit report, but they acted like they couldn't help a victim. My last resort is filing a complaint with every company that pulled my credit information. Please delete the inquiry. I did not AUTHORIZE it/them, and would like them removed.
Consumer complaint received 2019-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

Citibank solicited my application for their neew Simplicit Card which offers 21 months of 0 % APR on balance trqnsfers but did not disclose the 5 % initial fee charged to the account
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom this XXXX concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was scammed by my friends phone account whose account was scammed. I had made a payment using my Capital One account checking via XXXX and had send {$700.00} dollars. I had no clue that the money I was sending was going to the imposter who had hacked my friends phone. When I found out I called the bank to request a dispute. The bank then had denied it and gave me misleading information in regards to XXXX. I also experience some rude costumer service in the fraud department and was denied for my claim even though i provided all the proof of messages from the scammer. I am not sure what else to do I feel very bad since this is the first time this happens and the support of Capital One had not been at all pleasing. I hope this complain about the scammer and Capital one helps.
Consumer complaint received 2019-01-02
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. (OH)

I have went over my credit report and I found account that are not mines from a XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, # XXXX, I do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleaSe delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, XXXX, Experian reports. This is my second request under FCRA Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Please rectify the error on my account by removing the incorrect late payment notation. I have always made timely payments and have never defaulted. This issue is significantly impacting my well-being and disrupting my sleep. I implore you to address this matter promptly and correct my account.
Consumer complaint received 2020-08-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am sick ad tired of XXXX XXXX and XXXX Portfolio Service attacking me on a fraudulent account that doesn't belong to me. Why  are these companies are able to get away with strongarm robbery? They will not do a debt validation and justify a senseless criminally collection practice. It is illegal and unjust. They are very aware that I am attempting to get a V. A. mortgage and using thuggish tactics against me. Forget about I am a Veteran and a XXXX  XXXX  XXXX  Member since they are trying to collect a DEBT doesn't belong to me. I will NEVER pay a debt that doesn't belong to me. I am asking CFPB to file a suit against both companies.
Consumer complaint received 2019-01-02
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. (CA)

this complaint is regarding XXXX XXXX FKA XXXX, ACCT.NO.XXXX reporting on XXXX, XXXX   AND EQUIFAX credit bureaus.It is of special significance that this account has been disputed twice within the last 30 days from each bureau and each bureau updated and verified the information each time.

The evidence attached are 3rd party credit pulls pulled today XX/XX/2019.After multiple disputes verified by each bureau, the information does not match between them and all of them can not be correct even though each bureau says the information is correct.I would like this specious creditor who bought the account or the bank to simply delete the account as a solution for this ongoing problem. 
The proof is clearly readable and understandable for each bureau to act unilaterally to delete this account from a creditor who does not possess the records of the original creditor and is merely guessing as a response to a dispute.
Consumer complaint received 2022-11-30
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. (CA)

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (AZ)

My card was hacked and someone made a XXXX XXXX account in my name and attached to he card to the fake XXXX XXXX  account and withdrew {$2500.00}. Because of this situation I can not afford to pay my rent last month and have been issued an eviction notice I believe my right a for my money to be protected by insurance up the amount of {$250000.00}. I was told that because I had other XXXX XXXX transactions I had to dispute the transaction with XXXX XXXX But this was not a transaction I made. Someone used my name to create a different account and attached my card to that account and took {$2500.00}. My bank hasnt investigated this thoroughly and has not given me a provisional credit within 10 business days.
Consumer complaint received 2023-03-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Services Inc (NJ)

XXXX XXXX from XXXX Collections started harassing me via text message to my phone on XX/XX/2023 regarding a debt he claimed I owed. He threatened to report this debt to a credit bureau. I told him he was mistaken but he insisted that I had not paid for services rendered. This statement was completely false. Neither the doctor 's office nor the doctor 's billing department was able to provide any information regarding an unpaid debt. XXXX XXXX continued to harass me with the false claim of unpaid debt. I contacted my insurance company and was told that at no time was any doctor 's bill denied payment. The doctor 's office told me that the office no longer works with XXXX XXXX and suggested it was because of his unethical behavior. The office manager from the doctor 's office told me to disregard any contact from XXXX XXXX, who continues to claim I have unpaid debt.
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (TX)

On XX/XX/2023 I reached out to XXXX, to get information on why my balance on my cash app card was being decreased when I had not made any recent purchases. XXXX, in the billing department at XXXX, told me cash app representatives had sent emails to their company on XX/XX/2023 saying their was an error with their ( cash app 's ) payment processor that resulted in replicate deductions from the consumers accounts that made purchases at XXXX. XXXX looked in the system at XXXX and told me cash app had erroneously taken one or more of my refunds for returns from them. I have reached out to representatives at cash app, via the app and by phone, to return my {$39.00} to my account balance. XXXX or XXXX, I couldn't understand her, has refused to issue a refund even though she admitted their was an error with their payment processor between XX/XX/2023 and XX/XX/2023. I told her that I had spoken to XXXX at XXXX and they could see duplicate transactions in their system. She kept reading her script as I informed her that my account was now short and I had to meet my first of the month responsibilities. She was not moved by my requests to return the {$39.00}.
Consumer complaint received 2023-04-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (MA)

Lease started on XXXX  for 2 years. The dealership ( XXXX XXXX XXXX XXXX XXXX ) set me up with Ally Bank. I was told I would be able to purchase the car for the specified Residual Value at the end of the lease. 

I am interested in buying the car and do not need financing. 

However : Ally Bank is not willing to sell the car to me and guides me to find a dealership in MA who would buy the car from them and sell to me. 

XXXX XXXXXXXX XXXX XXXXXXXX is willing to do it only if : 1. I take financing with them. 2. Pay {$500.00} for them to check the car. 3. Commit to pay whatever they think is needed to cover anything they might find in their exam. 

I talked to other dealership and no one was willing to buy the car from the bank for me. ( rightly so... They said they never heard of such a request ). 

I am still interested in realizing my right in the contract to buy the car at the end of the lease. I do not need financing.
Consumer complaint received 2020-02-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2019 I sent a dispute letter to dispute inaccuracies. It has been over 30 days and no reply from the credit bureaus. Credit bureaus are refusing to comply with the FCRA!