davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (IL)

I opened a Illinois State Lottery account and attached a XXXX credit card to purchase lottery tickets online. I did not realize that each {$5.00} lottery ticket purchase was assessed a {$20.00} Cash equivalent fee by XXXX XXXX. non of this was disclosed to me when I registered the card and subsequently made several purchases, 11 transactions in 3 months and {$220.00} in fees later. I contacted XXXX and asked to have the fees waived and discontinued using the online lottery account. XXXX responded that the fees were valid and only issued me a credit for {$40.00}. I want all the fees waived and returned to me. They said the fees were disclosed on the application when I applied for the card several years ago. I am aware that many transactions are conducted online with credit cards, and a disclosure of fees applicable appear when you check out. In this circumstance there was no such disclosure or I would not have completed the transaction knowing that the fee was going to be {$20.00} to make a {$5.00}. purchase.
Consumer complaint received 2018-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was charged a monthly charge by a company I don't know or had not done business with. The charge started back in XX/XX/XXXX and it went on for about 4 to 5 months ( {$170.00} ). I contacted this merchant and they could not find me in their database even though I provided name, address, my Bank of America account number ( s ). They suggested I contact  Bank of America. BofA accepted my claim and provided a temporary credit while they investigated. More than several weeks ( about more than 2 months ) without hearing back from BofA and thinking that they had made the credit permanent, they ended up sending me a notice saying that these transactions were approved and authorized by me and no further explanation and not even identifying the name of the merchant. In other words, no basic explanation of any kind was provided in BofA 's letter. I can tell you with certainty that I am 100 % positive BofA or the merchant have no evidence that these transactions were approved. 
My acct # is XXXX XXXX. Claim number is XXXX. I am complaining for two reasons, BofA inability to conduct a valid investigation or proof that I approved these charges and two the length of time it took them to resolve which I suspect is beyond what's allowed by regulatory requirements.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

To whom it may concern, Im a victim of Identify theft. The theft took place in XX/XX/2014 and Im still dealing with it 4 years later. Ive reached out to Equifax on several occasion and sent them all requested documents supporting the fact of this ID theft. To this date Equifax hasnt block theses accounts from reporting to my credit. When I contacted the creditors directly they state they have no record of me being in their system and there should be nothing reporting to Equifax in regard to me or an account with them. Equifax has provided me with several dispute confirmation that link to nothing being investigated or removed. Im just requesting Equifax follow the law and block this information.
Consumer complaint received 2018-10-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/2018, I sent {$15000.00} USD to my USD wallet on Coinbase from my debit card. I have level 3 verification which allows I believe {$25000.00} in a deposit, so this is within my parameters. 

I should be able to trade immediately, but not be able to withdraw for 3-5 days, which was no problem. I received an email notification that day that my withdrawal time frame had changed to 14 days. I received a follow up email a couple minutes later stating that I could not withdraw for 30 days - both due to " suspicious activity ''. 

Since XX/XX/XXXX, I have called Coinbase numerous times and emailed them. The " suspicious '' activity is that I deposited more than I generally do, however the deposited amount is within my verification limits, so this should not be " suspicious. '' The next day, I realized my ability to buy had been frozen, so as of XX/XX/XXXX, I could not buy any coins with the {$15000.00} that had cleared from my bank and was now officially in my Coinbase account. 

After several calls and emails, I was told these issues would be resolved within 5-7 business days. To clarify, there were two issues - ( 1 ) my ability to withdraw was locked for 30 days, and ( 2 ) my ability to purchase had been frozen. When talking to customer service, they were confused as to why either issue was going on, especially purchasing, as once the funds hit Coinbase, I should be able to trade immediately. 

So now I had to wait 9 days ( 7 business days + a weekend ), while {$15000.00} ( my entire savings ) was locked for purchase AND withdrawal. 

On Friday XX/XX/2018, I received an email stating that my funds would not be able to be withdrawn until XX/XX/2018 ( over two months ). The purchasing issue still has not been addressed. 

I was also told that even though my money is in a USD wallet, the amount can fluctuate up and down based on the price of Bitcoin. So to summarize, my funds are locked for 2 months, I can not purchase, I can not withdraw, and my total amount can go up and down. I have no access to {$15000.00}. I am a student with hundreds of thousands in loans, and I saved up {$15000.00} to put on Coinbase and they have essentially stolen it for two months. This is fraudulent, illegal, and unacceptable. I demand the ability to withdraw immediately and will not bring my business back to Coinbase. 

I will also note that I deposited the money so I could purchase BTC when it dropped to {$6100.00}. The evening of my transfer, it dropped to {$6000.00}, and a few days later, it is now at {$6400.00}. Coinbase, on top of everything else, prevented me from making an {$800.00} profit.
Consumer complaint received 2021-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I AM A VICTIM OF IDENTITY THEFT. THERE ARE NUMEROUS OF FRAUDLENT ACCOUNTS APPEARING ON MY CREDIT REPORT. I'VE SENT COUNTLESS OF LETTERS TO THE CREDIT BUREAU AND I HAVEN'T RECEIVED A RESPONSE. PLEASE HAVE THEM REMOVE FRAUDLENT INFORMATION. IVE INCLUDED MY FTC REPORT AND POLICE REPORT.
Consumer complaint received 2018-10-22
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)

I have fraudulent accounts reporting on my credit report. I have contacted them letting them know I never have opened accounts with them but they are still reporting on my credit report. 

- XXXX XXXX XXXX ( XXXX ) - Opened XX/XX/2018 XX/XX/2018
Consumer complaint received 2018-10-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rolfe & Lobello, P.A. (FL)

A collection agency has garnished my pay. I did not receive any notice of this lawsuit. This is for a very old credit card that I paid & closed 12 or more years ago. It was a credit card with a {$300.00} credit limit from XXXX XXXX, which is no longer in business. The claim I had a debt of over {$2600.00}. I paid the small balance and closed the accouint many years ago. This is not a valid debt plus I was not notified. They have already taken over {$800.00} from me. I do not know what to do at this point. Can you help me?
Consumer complaint received 2022-07-10
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. (NY)

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX XXXX furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP (PA)

i recieved an email that a bank account was opened at key bank 0n XX/XX/XXXX. have been trying to call them since can not get through to anyone. i do not use key bank at all and gave no one permission to open an account. im very frustrated with this. i do not have time to call these people what do i do. 


Dear XXXX, Making financial progress feels great, and you just took a big step toward reaching your goals. 

Welcome to your new : Account Name Account Number Opened Key Smart Checking ... XXXX XX/XX/XXXX Name : Key Smart Checking Number : ... XXXX Opened : XX/XX/XXXX *Your account 's details and disclosures To keep your information secure : When we contact you by phone, email or via text messages, we will never ask you to provide your full social security number, full account numbers, user id, password, or answers to your online banking security questions.
Consumer complaint received 2022-07-10
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. (NY)

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MO)

I lost my job in XXXX of 2021 and fell behind on my Synchrony Bank credit called. We called them to ask if there were any assistance thru the pandemic that I kept hearing about with the Federal Cares Act. They said they did and set us up on a plan that closed our account ( which weren't aware of at the time ) and to pay XXXX dollars a month which was the minimum monthly payment. Now we have gotten back on track financially again and we're looking to refinance the home and they have been issuing a rolling 30 60 and 90 day late on our account since XXXX of 2021 and we have been making the XXXX dollar minimum payment that they set up for us. I don't know how that is assisting us when all they did was continue to ruin our credit without us knowing or we would have paid it off in full a few months earlier. We found this out when we were about to pay off the debt in full and they refused to take these lates off of our credit report. We asked them if we pay it in full if they would take the lates off of our credit and they said no. I was under the impression that they were only reporting the XXXX dollar minimum payment to the bureaus from the conversation we had and from the letter that they provided us of the plan. It tells us that we will need to pay the past due balance but never says that they are going to report us as late. I continue to make and prioritize our payments which is what the CFPB states to do only to have a little synchrony bank/sleep number credit card ruin our credit over a XXXX dollar line of credit. I am a veteran of this country and once again the CFPB and the Government has left us out to dry. I can't refinance my home now because of this. Which would have saved us over XXXX dollars a month.
Consumer complaint received 2022-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I saw a collection account on my credit report for National Credit Systems, but I did not know who they were. I contacted the credit agency and they came back with a generic response stating that it was verified, but that is impossible. I was victim of a car break in where my wallet was stollen a couple of years back, but I never noticed this item on my report. it only came up because I went to buy a new car, but was unable to because this plummeted my score. when I look at the report it says National Credit Systems and says that the original creditor is XXXX XXXX. the problem with that is that I have lived in the same home for the past 17 years with my parents and I am only XXXX. According to this creditor they have had me in collection since XX/XX/XXXX. I have lived no where else, I have received no correspondence. I also sent a letter to National Credit Systems asking for a copy of what ever agreement or document that proves my signature but there still has been not response to date and that was in XXXX or XXXX
Consumer complaint received 2022-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2022, I meant to send {$15000.00} to my husband and soon realized it was not the correct recipient. I immediately tried to locate the contact information for the wrong recipient but there was no contact information available to me other than the messaging allowed within PayPal. I sent him the message that it was mistakenly sent to him and he acknowledged and asked if there was a reward for returning the funds. ( I have attached the messages ). 

It should also be noted that when I sent the funds there was no obvious contact info or phone number showing to verify it was the correct person. Also, it was very clearly shown that the funds would be coming from my bank account and as a back up from my XXXX card. There was nothing that stated it was being sent from PayPal first. ( Attached image ) I filed a dispute online immediately. However, on XX/XX/2022, I got a notice from my bank that Paypal was trying to withdraw {$15000.00} from my account again and upon logging into my PayPal account realized the dispute was not resolved. So I attempted to submit another online dispute. 

Then on XX/XX/2022, I got another notice from my bank that Paypal was trying to withdraw {$15000.00} from my account again and realized the dispute was not resolved again. I filed another online dispute and suspected there might be something wrong with Paypal 's system because each time I would hit the 'Submit ' button the page would not go to a new page but it would go to a different phase. I have attached a screen grab of the screen and it would stay this way indefinitely every time. 

Once I suspected it could be a technical issue, I called and filed the dispute. I was told to contact the wrong recipient and let him know what happened and to return the funds but there was no contact information available other than the PayPal messaging. The representative also said he would send a notice from PayPal. I messaged the person again and to this day there has been no responses. 

PayPal has now put a negative - {$15000.00} into collections against me and I believe that should be held against the person that admittedly took the funds that were not meant to be sent to him. Also, there is no contact information other than PayPal XXXX  which he is not responding to and also I was not able to verify the account prior.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

During application to citi credit card I was promoted for citi checking account. The term of the offer was the following : " Citi is offering a bonus of up to {$1500.00} when you open a new checking account in the basic account package. The bonus is tiered depending on how much you deposit within 30 days of account opening, this amount also must be maintained for 60 days. 
Deposit {$2500.00} & get a {$100.00} bonus Deposit {$5000.00} & get a {$200.00} bonus Deposit {$15000.00} & get a {$400.00} bonus Deposit {$50000.00} & get a {$700.00} bonus Deposit {$200000.00} & get a {$1500.00} bonus " see attachment for details. 
I met the requirements but I did not receive the promo bonus
Consumer complaint received 2022-03-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (PA)

Ulta credit card, serviced by Comenity, are perpetrating unfair credit reporting. They have added late charges to my account after I'd made my payment early, then when I paid my account off, placed interest charges 3 weeks after payment cleared for total stated balance on my account. Finally, they then placed a 30 day late charge on my account for the {XXXX} interest charged on an account paid off weeks earlier. 

Ulta, by Comenity XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : XXXX To whom it may concern, I am writing to dispute the {XXXX} charge on my account that is being reported as a 30 day late to all three credit bureaus XXXX, XXXX and XXXX. This is incorrect and when you see that my account had been paid in advance for the XX/XX/XXXX payment due of {XXXX}, you will see that any late charges should have been removed, except for XX/XX/XXXX when I was 9 days later than due date, with my final payment. 

My account had been paid off for 5 months, then I charged my account {XXXX} on XX/XX/XXXX. I did not have a XXXX payment due on XX/XX/XXXX, but I made a payment anyways on XX/XX/XXXX, that should have gone towards XX/XX/XXXX, since made after the monthly due dates of the XXXX that Ulta has on all their bills. Anything past the due date of the previous month, is supposed to roll towards the next payment. I paid ahead of time for my XX/XX/XXXX payment in the amount of {XXXX}, so the next payment due should have been on XX/XX/XXXX. You placed a late charge on my account XX/XX/XXXX, even though Id paid in advance of that date for that payment. I have NOT been 30 days late on a payment in XX/XX/XXXX or XX/XX/XXXX, as the account was paid in full on XX/XX/XXXX, only 10 days past the due date of XX/XX/XXXX. 

I not only was charged an incorrect XX/XX/XXXX late charge, but this also then rolled all my balances to a higher amount, so when I made my full balance payment of {$68.00} on XX/XX/XXXX ( that wasnt due until XX/XX/XXXX ), you still placed a {XXXX} interest payment on the next statement that should have had a zero-balance owing. I had already paid the XXXX payment ahead of time and in full yet 2-3 weeks later you placed another {XXXX} charge on my account. The full balance payment of {XXXX} should have been {XXXX} less as the XX/XX/XXXX late charge was unfairly added. To pay my account in full on XX/XX/XXXX, I should have only had to pay a total of {XXXX}. 

I am demanding you remove the XX/XX/XXXX late payment reporting on my credit report and I am reporting your unfair credit reporting practices to CPFB, as I have all the documentation to prove my complaint above is accurate and that you have been complicit in ruining my credit so I can not buy a home. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-10-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC (CA)

We are retired senior citizens whom do not owe this collection agency or any other collection agency not one dime. We live in southern California and every morning around XXXX our sleep is interrupted by these unwanted telephone calls. My telephone recorded the message on Monday, XX/XX/2018, " Hi, this is Dynamic Recovery Solutions, we are a collection agency, call XXXX, about a debt owed. We are sick and tired of our telephone ringing all day long with unwanted calls. They are the unwanted phone calls that do not leave a message on the voice mail recorded. I called back Dynamic Recovery Solutions on the same above date and told them to stop calling my number.
Consumer complaint received 2022-07-10
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. (SC)

In accordance with the Fair 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 an account without my written instructions.