davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Auto Credit of Southern Ilinois (IL)

I filed a complaint XX/XX/XXXX however I never spoke with XXXX XXXX I only spoke with XXXX however they repo the car today on XX/XX/XXXX I was asking for my papers on end of contract cause they now have the car back In their possession I have a contract with auto credit not XXXX XXXX however they never tried to negotiate a better contract and my signature was forge I can upload the contract that I had was never signed for auto payments in my policy I still have police report on filed I am requesting my end of contract paper work soon as possible because they were able to retrieve the car back in their possession they breach their own contract I did not because they receive payment beginning of XX/XX/XXXX I have documentation of that also thank you in advance
Consumer complaint received 2019-01-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (OK)

On XX/XX/XXXX I funded a bitcoin wallet with Coinbase from my checking account and purchased XXXX bit coins. In XXXX I tried to access and close account and was unable to as I was unable to reset my password. I reached out to Coinbase support by email as that was their only method of communication and did not receive a response. When I tried to access my account in XXXX I no longer had the same email and phone number that was used to set up the account. This created issues with completing a self reset, which according to customer support is the only way to reset a password due to fraud. They had me go through a account verification process where I had to open another account, then provide my ID and Pic of myself captured from my mobile device. I was informed once I had provided them all this information they would be able to change my phone number and email address so I can self reset my password and get access to my account. This attempt was unsuccessful after completing the steps they had provided. I called again today XX/XX/XXXX and they wanted me to go through the exact same process which was unsuccessful previously. The value of bitcoin dropped significantly after XXXX and so I have lost money as a result of them holding onto my funds. I have engaged an attorney to help me collect my funds.
Consumer complaint received 2019-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NJ)

my sears card was completley paid off, i contacted sears and was advised of the balance in an effort pay off total balance, one month later after paying off card, sears sent a bill for XXXX $ in interest.
Consumer complaint received 2019-01-25
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has had to remove over {$7000.00} of fraudulent charges and interest from my card after a complaint was submitted to CFPB. The account still shows as a " Charge Off '' ; the account still shows a balance due ; the account still shows having mulitple delinquent payments. 

This is in complete error : Since Capital One was forced to remove nearly 90 % of the charges and interest on the account there would be no way for the cardholder, myself, to know what was actually due and when. Capital One also has no way to back up any claims of late payments since the vast majority of the alleged debt has been removed as fraud. Capital One still can not provide me with the totals due monthly for the periods they are stating were delinquent. They also can not verify that there is still {$510.00} in charges left on the account. Any attempt to work with Capital One is simply responded to with " it's pending '' or that they are correct in their claim without any evidence to back up their statements or any attempt to allow me to communicate with a senior account manager to keep this from a damage to credit issue.
Consumer complaint received 2018-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

I was listed as an Authorized user on a my mothers Wells Fargo Credit card. I have asked several time to me removed form this account with no help from Wells Fargo and them also telling me it was to bad your on and can't be removed. My Mother has since claimed Bankruptcy and that card was filed in it and has been closed. I have ask since then also to have the information removed with not help what so ever.
Consumer complaint received 2020-09-14
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. (NY)

I am writing to dispute multiple fraudulent accounts on my report. I am a victim of identity theft, and I did not make or authorize these charges. I am requesting that these accounts be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (CA)

In early XXXX of XXXX, found some one use my name to open Apple Card at Goldman Sachs back to XXXX. Reported ID theft follow the persons with my call suggestion from Goldman Sachs. ( See below attachment. ) The balance shouldn't my responsibility Back due to i never open the account. 
Had 4 or 5 phone call with them already and no progress to solve the problem. Continue receive email weekly like attached document to let me to pay the balance. 
1. It is not my responsibility to pay it due to i never open it 2 don't know how to pay it either.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have several accounts on my credit report that do not belong to me : Experian : XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$230.00} {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$170.00} {$170.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$57.00} {$57.00} XX/XX/XXXX XXXX XXXX XXXX Other Collection Agencies {$1900.00} {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous All Others {$0.00} {$0.00} XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have several accounts on my credit report that do not belong to me : XXXX  : XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$230.00} {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$170.00} {$170.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$57.00} {$57.00} XX/XX/XXXX XXXX XXXX XXXX Other Collection Agencies {$1900.00} {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous All Others {$0.00} {$0.00} XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I received notice from PORTFOLIO RECOVERY ASSOCIATE about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to PORTFOLIO RECOVERY on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested. 

again on XX/XX/XXXX XXXX I sent PORTFOLIO RECOVERY another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and once again they never sent it to me. now please keep in mind that I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for Now this is my third attempt reaching out to PORTFOLIO RECOVERY on XX/XX/2022 for the documentation that i requested months ago asking for VALIDATION and VERIFICATION and once again they haven't sent me the proper documentation that I have been asking for. 

1. Account number XXXX IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (CA)

On XX/XX/2020, I received XXXX letters from American Coradius International ( ACI ) LLC dated XX/XX/2020. XXXX letter was addressed to me and stated they are trying to collect {$610.00} on behalf of XXXX. The other letter is addressed to my wife, trying to collect {$940.00} on behalf of XXXX ( see attached documentation ). After contacting XXXX, I was told that neither of these charges came from their office and the account number associated with ACI 's claim does not exists. Additionally, ACI has used both our middle names, which is not listed in any account information with XXXX.
Consumer complaint received 2020-09-15
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. (NJ)

I have reviewed my credit report, and there is information that I have discovered which is not mine. I do not recognize this account and inquiries, and have never incurred debt with these creditors. I do not know where they came from. I do not have access to the documents related to this account, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Consumer complaint received 2019-01-25
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)

XXXX XXXX listed multiple 30 and 60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30/60 day late payments from my credit reports.
Consumer complaint received 2020-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

Bank of America cut off access to my checking account without warning, and the bank refuses to provide any clear details on why my finances were seized by the bank. The finances in my checking account were essential funds, used for survival needs such as food, shelter, utilities, and transportation. Bank of America froze my funds in the middle of a global economic emergency, and I currently have no income. Bank of America has directly threatened my ability to physically survive by cutting me off from my finances.
Consumer complaint received 2019-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

My husband called his Sears Credit card approx. XX/XX/2018 to make a {$17000.00} payment to our credit card. 
He authorized the payment to be exactly {$17000.00}. On XX/XX/XXXX ACH Sears made a withdrawal of {$17000.00}. 
This overdraft of {$160.00} caused my account to go into a negative balance and I was charged a {$30.00} service fee from my credit unioXXXX. 
I had my husband call today XX/XX/XXXX to find out why Sears made a larger payment than what was authorized and he was given a lame excuse that since the actual charge was done days later there was interest that was accrued on that account. They refused to issue a check to cover the {$160.00} or the {$30.00} service fee. Instead they offered to put the {$160.00} back on the account. I am deeply disappointed that Sears would do this to us as customer that has more than 11 years of a relationship with them.
Consumer complaint received 2017-01-19
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (GA)

I RECENTLY CHECKED MY CREDIT AND NOTICED A MERCEDES BENZ FIN SVCS ACCT REPORTING A CHARGE OFF FOR XXXX ON A VEHICLE IVE NEVER OWNED OR LEASED, SO I IMMEDIATELY FILED A DISPUTE WITH THE CREDIT BUREAU WITH ALL SUPPORTING DOCS TO PROVE ITS NOT MY ACCT. UPON COMPLETION OF DISPUTE IT CAME BACK VERIFIED AS MY ACCT SO I CALLED EQUIFAX AND THEY STATED MBFS VERIFIED ITS MY ACCT SO I CALLED MBFS TO ASK HOW THIS ACCT WAS VERIFIED SO THE REP XXXX AT XXXX XXXX WAS VERY HELPFUL AND ASKED MY SSN # AND IMMEDIATELY TOLD ME ITS NOT MY ACCT AND SHE WOULD IMMEDIATELY WORK TO GET THIS MATTER REMOVED FROM MY CREDIT REPORT. SO THE NEXT DAY I CALLED TO FOLLOW UP AND SPOKE WITH XXXX XXXX WHO ALSO VERIFIED ITS NOT MY ACCT AND WOULD WORK TO HAVE THIS ISSUE RESOLVED A COUPLE HOURS LATER I RECEIVED ANOTHER PHONE CALL FRM XXXX XXXX STATING I NEEDED TO FILE A POLICE REPORT STATING MBFS ACCT XXXX WAS A IDENTITY THEFT CLAIM OR MBFS WOULD NOT REMOVE THIS ACCT OFF MY CREDIT WHICH IS BLATANTLY WRONG WHEN ITS NOT MY SSN # ATTACHED TO THE ACCT NOR MY PERSONAL CONTACT INFO SO WHY SHOULD I HAVE TO FILE A FRAUDULENT POLICE REPORT TO HELP YOU RESOLVE AN ISSUE THATS NOT MINE AND NOW THIS ACCT HAS BEEN REPORTING AS A REPOSSESSION ON MY CREDIT REPORT NOW OVER 30+ DAYS NOW AND WILL REMAIN THERE DURING AND INVESTIGATION PROCESS OF 30 MORE DAYS TOTALING 90 DAYS TO BE PENALIZED FOR AN ACCT THATS NOT MINE AND THIS MATTER HAS DROPPED MY SCORE DRASTICALLY AND I CANT REFINANCE MY HOME NOR BUY A NEW CAR OR APPLY FOR CREDIT OR EMPLOYMENT DUE TO THIS ERROR ON THEIR BEHALF WHICH IS UNACCEPTABLE. ITS BLATANTLY A FCRA VIOLATION THATS HENDERED ME TO THE FULLEST EXTENT AS A CONSUMER AGAIN IT UNFAIR. SO I HAVE NO CHOICE BUT THE SEEK COUNSEL AND FILE A LAWSUIT IN LOCAL OR FEDERAL COURT ON THIS MATTER AND SUE FOR DAMAGES AND PAIN AND SUFFERING DONE TO ME AS A CONSUMER ..
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

I have a checking/savings account open with Chase Bank XXXX XXXX XXXX XXXX XXXX. However, the bank has been unresponsive, uncooperative, and evasive when I alert them to erroneous charge to my debit card that need to be disputed. The bank refers me to a claims/dispute telephone number that is staffed by rude agents who sometimes hang up the phone on me. Similarly, when I explain these problems to staff inside the XXXX, XXXX retail branch, some of the staff are not helpful and tell me they're busy. Sometimes, when I dispute a single transaction, the bank will cancel my debit card and send me a new one via the postal service, leaving me without a debit card for many days.
Consumer complaint received 2022-08-29
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. (IL)

XXXX XXXX XXXX XXXX paid in full tried to dispute XXXX XX/XX/XXXX paid in full tried to dispute XXXX XXXX XX/XX/XXXX to old to be on my account tried to dispute XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX two different dates tried to dispute XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX tried to dispute to old to be on my account XXXX  XX/XX/XXXX do not recognize this account tried to dispute XXXX XXXX XX/XX/XXXX paid in full tried to dispute
Consumer complaint received 2020-09-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2022-08-16
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. (IL)

I have contacted Experian numerous times to fix the glitch in their algorithm that is not taking into account all of my credit history when calculating my credit score. Per my credit report - I have 6 revolving accounts - 5 of which I am an authorized user on and one on which I am the primary account holder. Only the one on which I am the primary account holder is being used to calculate my score. I can tell this by looking at the explanation of my score- it specifically states I only have one revolving account, when on the first page it shows that I have six!

Experian basically told me to seek a licensed credit advisor for advice on how to clean up my credit. My credit has always been in the 800 's so there is nothing I can do to clean up my already excellent credit!
Consumer complaint received 2023-01-26
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)

Dear TransUnion Bureau, I have already contacted you but haven't received any results so far. I am XXXX XXXX, consumer of TransUnion. There are some Fraudulent Hard Inquiries on my credit report. I called the lenders in order to remove those inquiries and let them know that it wasnt me who applied. They told me to contact Credit Bureaus. I called Transunion customer service and they provided me with my file number : XXXX. Also they asked me to send a letter along with an FTC report in order for these fraudulent inquiries to be removed. Im enclosing the FTC Report to this letter. These hard inquiries are not mine, please remove them from my credit report : 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 Sincerely, XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

i have an account from XXXX ending in # XXXX that is not shown up on my consumer report ive sent in all theto the said credit reporting agency. 


THE FAIR CREDIT REPORTING ACT 623. 
responsibilities of furnisher of information to consumer reporting agencies 68 Duty of furnishers of information to provide accurate information ( 2 ) duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate
Consumer complaint received 2022-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a phone call from XXXX XXXX, a XXXX XXXX at XXXX Ext XXXX. She stated she was a debt collector on behalf of Capital One ( XXXX  ). She then explained I had an outstanding balance of over {$1000.00} from a credit card opened back in XXXX and payments had stopped in XXXX. XXXX XXXX further stated several attempts were made to collect and a charge off amount of {$800.00} was made through the bank. I am XXXX XXXX XXXX and afraid of scams. I requested proof of this debit and all she said was the card ended in XXXX, she gave me the last 4 of my social security number followed by an incorrect birthdate. I explained the birthdate was not correct and quite frankly do not recall a XXXX  from XXXX  years ago. I contacted Capital One who stated they do not have me in their system ever having a credit card through their bank.