davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc. (AL)

I reached out to Procollect on XXXX regarding documents that were sent in regards to disputing the account. The rep that I spoke with informed me that no documents were received. I confirmed with the rep that I has the correct email address to send the documents. About minutes later I get an email back from a XXXX XXXX that reads " what is this? '' Clearly from the documents he could see that it was my lease agreement, renewal, and utility bill from where I reside during the time of said account. XXXX XXXX become extremely rude, irate as I tried to explain the documents. XXXX XXXX then tell me who do I think I am calling him? '' " And that I'm XXXX and XXXX  '' Many profane things were said such as my XXXX  and XXXX. XXXX XXXX is the companies XXXX. I tried calling again Monday morning to confirm if the documents were in the correct place. I was then informed that I had new rep named XXXX XXXX. I emailed XXXX XXXX to confirm that he had the documents in which I was informed that a police report was filed for personal threats made to XXXX XXXX in which no threat were made. I then asked XXXX XXXX via email if all phone calls are recorded. His response was " Stop with your ridiculous emails. '' I need this reviewed and for a resolution.
Consumer complaint received 2019-08-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (OK)

Last week XX/XX/2019 I received a payment of {$2000.00} from a buyer through my PayPal account of course they put a hold on it and sd I had to verify a bunch of stuff so I've done all that and now after another 6 CALLS they're trying to take my funds over another account that is not mine this was suppose to be handled on the 4th call well today XX/XX/19 I spent 6 hours on the phone with PayPal being transferred from person to person each time I'm told something different mind you all the stuff they needed has been verified I was hung up on called a liar told my funds was available email included and not until I received the {$2000.00} has PayPal ever mentioned this other account not once they themselves said they can't hold me responsible for another account especially one I'm no part of yet they keep refusing to release my money. The supervisors are dumb and act like their clueless yet their supervisors I can't get anyone one the phone, through XXXX, through XXXX to take care of this. I've waited they're 3 to 5 days I've verified everything but they insist I pay on someone else 's account I feel like I'm being screwed completely over and if my funds will just get released I'm closing that account no more PayPal for me, this is ridiculous I've wasted an entire day trying to fix this and I'm still no further than I was I really need help please
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX is reporting a private student loan that is past the time that the debt can be reported to my credit file. The total due is {$5500.00}. I have not had a private student loan since I was in XXXX college ... which was XX/XX/XXXX-XX/XX/XXXX. IF this is that same debt, this debt is past the time it should be reported.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I made a return several months ago that led to a {$200.00} credit on my Kohl 's charge card. A written request was made by chat on XX/XX/24. I followed up after not receiving the refund for 14 days. 

I was told ( prior to my knowledge of the seven day regulation ) that the refund would be issued in 10-14 business days. After it was not processed, the only option they could offer was to re-initiate another refund request. I informed them that the 10 day refund is not aligned with federal law. I offered to go into the store and have the amount refunded to my debit card but the agent reasserted that this was a computer generated process only.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Credit Karma (TX)

I am a Credit Karma Member. I have received several invitations from Credit Karma to use this service : Credit Karma Money, using your Credit Karma Visa Debit Card** gives you the chance to have purchases up to {$5000.00} reimbursed. 

Their email ( attached ) has the following Disclaimer : *NO PURCHASE NECESSARY. Sponsored by Credit Karma , LLC. Ends last day of month. Entrants must be at least age of majority & legal resident of 50 US or DC ( except XXXX XXXX XXXX residents are not eligible ). Void where prohibited. To enter, use applicable debit card or enter by mail to Credit Karma , LLC, XXXX XXXX XXXX XXXX, NC XXXX. XXXX XXXX at https : //www.creditkarma.com/lp/ik. 

**Credit Karma Visa Debit Card issued by XXXX XXXXk XXXX XXXX XXXX Member FDIC XXXX pursuant to a license from XXXX XXXX XXXX XXXX terms and conditions apply. 

***Banking services provided by XXXX XXXX XXXX XXXX XXXX XXXX FDIC XXXX Maximum balance and transfer limits apply. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Credit Karma, and XXXX XXXX are refusing to open a account, claiming they are unable to verify my identity, and provide no process for me to provide them with what is needed for them to do so. ( see attached email and support email reply ). 

I am a member of Credit Karma, I use their services to check my credit every month. I have a registered user account under my email with them XXXX This is discriminatory action on behalf of Credit Karma, to send offer letters, but fail to provide a verification process, that they claim in house to not be able to verify to open a credit karma money account.
Consumer complaint received 2022-10-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CADENCE BANK (TX)

We have been paying our mortgage since XXXX when our payments resumed and the mortgage company ( Bancorpsouth ) which is changing its name to Cadence, has not processed our tax payments and our MUD district is threatening to turn off our service on XXXX XXXX. Our local school district are also imposing late penalties and fines and we've contacted the mortgage company and they are advising us to wait while they try to fix this but our time is running out. We've been on hold constantly and have been transferred XXXX times and this has been ongoing for a couple of weeks. 
Our water service is about to get turned off and we may have to pull money from our child 's college fund to try and cover all these back taxes.
Consumer complaint received 2022-07-21
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. (NY)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX and hoping that this : XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX will be corrected.
Consumer complaint received 2018-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (VA)

i made a purchased of XXXX $ bitcoin from coinbase since XXXX of this month and after 6th days they canceled my order and they told me i will receive my money back within 3-4days but it's more than 8 days now i haven't receive the money back ... 



Coinbase Your purchase for {$900.00} USD of BTC has started We expect your purchase to be completed by XX/XX/2018. We will send you another confirmation when your purchase is completed. 

We're unable to cancel started orders. 
Read more about why here. 

Reference code XXXX Payment method XXXX XXXX XXXX - XXXX ... XXXX Start date XX/XX/2018 Estimated payout XX/XX/2018 Amount XXXX BTC Exchange rate @ {$6600.00} / BTC Subtotal {$890.00} Coinbase Fee {$8.00} Payment Method Fee {$0.00} Total {$900.00}
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (CA)

I applied for a studio apartment and the property manager ran a background/credit check that I paid {$45.00} for. The results came back that my risk credit score is XXXX which is surprising since I have a credit score of XXXX with Experian. This company called XXXX let me know that there is a difference between risk credit score and a regular credit score. They also told me that they do not calculate it but that Experian does. 
I tried calling Experian but I can not get through to a live person. 
I need to know why my risk credit score is XXXX which is XXXX points below my credit score. Is this risk credit score even correct?
Consumer complaint received 2018-04-20
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. (TX)

XXXX XXXX XXXX is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with. I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file at the time the lease was executed, most likely done online like all the other accounts. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint. I previously disputed this through the CFPB and the debt collector asked me to contact them outside of the CFPB portal so they can look up my account. For their reference, my account number is : XXXX Last four of social : XXXX DOB : XX/XX/XXXX I have attached to this dispute the police report and two letters from major financial institutions that opened and tried to open credit accounts in my name and mailed credit cards to the address of this apartment complex that this debt collector is collecting for. As you will read in the letters the banks did their own investigations and both banks agreed that identity theft took place. XXXX XXXX XXXX opened a credit card account in my name and sent the card to this apartment that the collector is collecting for. They have since removed the card from my credit profile and deleted it from their records after finding I was a victim of identity theft. The letter XXXX  XXXX XXXX sent was printed with the fraudulent address on the main page and the correct address on a page. Both pages of the XXXX letter are attached.
Consumer complaint received 2023-03-16
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. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX. 
Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX has violated my rights. Or the list of inquiries 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (CA)

In my XXXX XXXX account this agency is being shown in collections and I do not know what it is for. The company also has not sent me anything regarding what the debt of {$1600.00} is. I need this collection removed from my credit report.
Consumer complaint received 2018-10-09
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. (KS)

XXXX, Experian and XXXX failed to do a proper investigation regarding XXXX XXXX XXXX, and as a result kept it in on my report. By failing to do so, they behaved illegally by breaking Federal laws. XXXX XXXX XXXX committed identity theft by having it reported to all three bureaus by claiming I owe this debt when this isn't the case.
Consumer complaint received 2019-03-21
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. (CA)

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent charges to my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX. XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$530.00} 2.XXXX  XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$210.00} I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PNC Bank N.A. (WI)

I opened a PNC Bank Secured Card in XX/XX/2015 that was closed however up until the Data Breach with the Credit Bureaus it was still showing building my Credit. Credit is very important to me & I contacted the Credit Bureaus & they said I needed a reinsertion letter. I contacted the Executive Office at PNC Bank & was not able to get this resolved. The next step would be to File a Lawsuit against the Credit Bureaus & PNC Bank
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

n accordance with the Fair Credit Reporting act XXXX, 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 2018-04-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Credit Services, LLC (SC)

PINNACLE is reporting on my credit file ..I was reading on your website about my rights and what i can ask the company to provide me if they felt i owed them money ..I never even knew they were on my report and never recieved notice about it .Until it is stopping me from purchasing my home .I asked them to send me information in regards to oweing the collection agency and contract i signed with them but they only send a few statements im comfused and its looks like old account but shows likes its recent its not even reporting right I ask them to validate they send me letters asking to pay and call me to pay but never send what i need I dont think they can do this to me
Consumer complaint received 2024-02-28
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. (NC)

I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 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  And one more thing according to 15 USC 1681s-2 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. 15 U.S. Code 1681i - Procedure in case of disputed accuracy, a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to 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 2018-04-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (CA)

West lake financial returned my vehicle as agreed on XX/XX/XXXX. We were informed that the vehicle was in the same condition as when it was picked up 6 months ago. We have been working with XXXX XXXX. When the car was delivered it was NOT in running condition and the key was broken off in the ignition the car has no power and is not running. My mother has made several calls with no answer. One additional call was placed this morning to XXXX which is XXXX number at west lake that has now been disconnected. Since my loan falls under the SRCA it was rewritten following those guidelines. As you can see in the attached documents westlake states the car is in running condition.