davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

On XXXX/XXXX/XXXX I sent a wire transfer of {$4000.00} to Coinbase Inc. As of today XXXX/XXXX/XXXX my money still has not been allocated to my account. I have contacted Coinbase on a daily basis only to receive no update or information. I have had a case created and escalated 10 times to be told there is a hold on my account. No employee can tell me what the hold is for or where my {$4000.00} is. I have verified my account 10 times and am not able to get an answer on where my wire is or when my funds will be available. I am not able to get any answers and need help!
Consumer complaint received 2018-01-11
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: Experian Information Solutions Inc. (IL)

Experian XXXX XXXX XXXX several vendors I have repeatedly sent certified letters to the credit unions several certified letters to all vendors in question uncountable number of on line complaints to all I continue to request proof signed credit appls signed loan agreements no one has ever proved any proof and keep refuse to prove it and product anything I signed and refuse to ever look in to it because they keep claiming verified with no proof this must be a criminal act after 18 months. this is so wrong why should I have to pay XXXX dollar for each credit union and each vendor that continue no break the FCRA and FDCPA
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I instructed TRANSUNION to investigate XXXX XXXX a collection account on my consumer credit report. After the investigation the account was not marked as disputed by the furnisher of information for the account.FRCA VIOLATION! 
The XXXX XXXX account was add to my consumer credit report using identification without my permission
Consumer complaint received 2021-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. ''
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (FL)

In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.
Consumer complaint received 2018-01-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Messerli & Kramer P.A. (GA)

XXXX IS THREATENING LAW SUIT TO COLLECT ON A DEBT I DO NOT OWE TO XXXX XXXX BANK IN THE AMOUNT {$2400.00}. THEY SENT NOTICE CERTIFIED MAIL WHICH WAS HANDED TO MY MINOR SON AGE XXXX XXXX XXXX, I 'VE ASKED XXXX XXXX BANK TO SEND VALIDATION OF DEBT WHICH WAS NOT RECEIVED YET THIS HAS BEEN ON GOING NOW FOR TWO YEARS WITH THIS SAID COMPANY.
Consumer complaint received 2019-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MA)

I have asked credit reporting companies to remove Late Payment issues with my Credit Card companies. My bank account was compromised do to no fault on my own and my direct payments to credit card companies was rejected. 
My bank XXXX XXXX was hacked and they did not notify me until my payments bounced. My bank should be held responsible not me. I had no control over there security issues.
Consumer complaint received 2024-02-20
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. (TX)

My private information was violated by credit reporting agencies which is not in compliance with the privacy act of 1974.

15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my written instruction. 

Also On XX/XX/XXXX my information was sold to a third party debt buyer without my permission and or option to opt out.
Consumer complaint received 2021-07-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (NM)

This is a followup complaint to CFPB Complaint ID # XXXX. Commonwealth Financial Systems, Inc sent documentation in response to that complaint which proves that I am not the person they are pursuing with the debts which they reported to my credit. 

1 ) I have never resided at the address that they have listed for " XXXX XXXX '', which per the attached documentation is XXXX XXXX XXXX XXXX XXXX, CA XXXX 2 ) I have no associates or dependents or family members named " XXXX XXXX '' or " XXXX XXXX. '' 3 ) No members of my family or myself took ambulances on XX/XX/2014. 

Therefore, I am not the person who owes this debt.
Consumer complaint received 2018-01-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I initiated an ACH transfer with Capital One Bank to transfer money from another bank to my Capital one Bank money market account on XXXX/XXXX/XXXX. Per Capital One Employee XXXX XXXX XXXX id XXXX ), the funds were received in my Capital One account XXXX/XXXX/XXXX. Per Capital One XXXX XXXX XXXX employee id XXXX ) Capital One held the entirety of the deposit without making any of it available until XXXX/XXXX/XXXX. This is a violation of XXXX law. CFR 229.10 subpart B states : ( b ) Electronic payments ( 1 ) In general. A bank shall make funds received for deposit in an account by an electronic payment available for withdrawal not later than the business day after the banking day on which the bank received the electronic payment. 

Capital One 's website funds availability policy states : Deposits made via check drawn on another bank and ACH deposits that we initiate on your behalf will be held for 4 business days. 

In other words, Capital One 's stated policy violates federal law.
Consumer complaint received 2018-01-11
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: Sierra Holdings LLC (IL)

I recently purchased a car through a dealership, XXXX XXXX. A few days after purchasing the vehicle the company who financed the vehicle, XXXX XXXX XXXX, called asking about the deal, where I was informed that the down payment XXXX XXXX asked for was double what I was suppose to pay. After clearing up that issue the week continued. After a week of documentations not being handled, returning the car for break issues, coming to the location about 4 times, and calls not being returned, the dealership gave me a call and asked me to come into the location to sign a missing document. When I arrived at the location I was informed that the finance company backed out the deal because of the down payment issue. I was told by the " finance manager '' that it was my fault the company back out because of the down payment issue. After reminding the man that he was the one who told me and my boyfriend, upon signing the contracts, to bring in the additional {$500.00} two weeks later, I asked to speak to a manager in a position over him. He informed me that they ran my credit again without my authorization and I had no choice, but to either pay the new doubled down payment and higher note through another company or give them the car in a few hours. I left the dealership and called the finance company who informed me the truth. The company had backed out the deal because the company sent over a warranty with someone else 's signature not mine. I also declined the warranty upon finalizing contracts when they asked if I wanted the warranty, they still proceeded to add the warranty after I left the dealership, without my knowledge. The finance company did send the warranty part of the contract, with my disclosed information on it. Also, after deciding to go look at other dealerships. I was informed by a few dealerships that XXXX XXXX " shot gun '' my credit everywhere, adding numerous inquiries to my credit. Two dealerships would n't offer to run my credit because of the numerous inquiries. The salesman from XXXX XXXX, then called me and told me to bring in the car his manager is leaving and that " they are doing me a favor. '' The manager would not even speak to me personally when coming in to get a refund. They made me speak to a salesman who never played a part in any of the issues & contracts, who basically tried to make me settle on two more contracts. I denied both contracts and opted to deal with another company.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

XXXX has been reporting this auto loan to my credit files since XX/XX/2013. It has now been 7 years and I gave the car back to them. But they still reported my account 30 days for the last 7 years. It is supposed to be deleted from my credit report. But they aren't deleting it. They will find some excuse for why its still being reporting.
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Debt was a credit card debt that was a ) discharged through bankruptcy and b ) a credit card of my deceased husband. This is also over 7 years old and as been off my credit report for years. Just showed back up since taken over by Portfo! I'm  Recovery for whatever reason. Portfolio Recovery are ghouls.
Consumer complaint received 2018-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (PA)

On XX/XX/2018 I received a notification from XXXX that my credit report had changed and that a new collection in the amount of XXXX from XXXX XXXX XXXX ( ERC ). I called ERC to find out where this collection came from and after collecting my name and Social Security Number they stated that they could not find it in their system. I was told to send an email with a screenshot of the collection from the credit bureau to them and at that time they could determine the etiology of the debt. I informed them that this was ridiculous since they were the agency reporting me, yet they could not find me in their system. At the same time, I asked them why there had been no attempt to collect this debt as I have not received any correspondence in writing. In fact, I was blindsided with this credit ruining collection. The agent on the phone had no response. After the phone call I attempted to take a screenshot of the collection, but was prohibited by XXXX due to their privacy. Two days later, I called XXXX XXXX on a different phone number to see if they could tell me where this collection was coming from and once again they could not find me in their system from my name and phone number and they informed me to send the credit reporting information to them by email and then they could find the debt. 
Finally, I am disputing 2 things. The first is that there was no effort to collect this debt. I have not received any correspondence by mail or telephone from ERC with an attempt to collect this debt. If they had made an attempt to collect the debt they would have had my name or phone number in their database. The second, is that I believe that it may be an invasion of privacy to request the debtors information from the credit reporting information as a way to validate the debt. In any event, if this debt is mine, I would like to pay it and since there was no attempt to collect the debt, I want it removed from my credit.
Consumer complaint received 2020-05-06
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. (LA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX   XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX   XXXX {$7000.00} XXXX XXXX XXXX XXXX {$6000.00} XXXX  XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$800.00} XXXX  XXXX XXXX XXXX XXXX {$7000.00}
Consumer complaint received 2019-05-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd. (DE)

Received debt notification for debt I don't owe. Threat of interest, late and other charges as well as credit reporting. Address and phone contact info is incorrect. Creditor is XXXX  XXXX?????? 

This has to be just one more scam honest Americans are subjected to daily. Please help. Creditor No. XXXX, Collection Bureau of America. Internet search found this a disreputable company. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-06
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)

I was made aware of a total of six accounts & some inquiries reflecting negatively on my credit report on XX/XX/20 when I was denied from getting an auto loan. The accounts do not belong to me and I have never given anyone permission to open these accounts in my name. I have no idea who opened these accounts without my permission but I did not benefit anything from them such as money, goods, services, or any other benefit nor did I ever make any payments towards these accounts. I do not have any written/verbal contract with any of the companies I listed nor did I ever give them permission to access my credit history or personal information. I have filed a police report regarding these unauthorized accounts.
Consumer complaint received 2016-08-05
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP (WI)

I am delinquent on XXXX credit cards with US Bank. My only source of income is direct deposit to my US Bank checking acct. of Social Security. I am paying what I can each month after I pay my mortgage and utilities. US Bank has me on their " dialer service '' for both my home and cell phone. From XXXX thru XXXX they called me from XXXX letting it ring twice ( 14 times ) & then hang up. On XXXX, I called and spoke with XXXX and she advised she would take me off the " dialer service '' and have a supervisor call me on or about XXXX. I advised I was scheduled for XXXX on XXXX. Admission and discharge charge records are available if needed as proof. From XXXX thru XXXX, I received XXXX calls ( XXXX ring hang-ups ) on my home phone. From XXXX thru XXXX, I received XXXX calls ( XXXX ring hang-ups ) on my cell phone. I want these harassing calls to stop. I am aware of my debt and will continue to make payments on these credit cards. Their constant calls serve no purpose other than harassment in my opinion. If there is n't a law against this type of harassment ... there should be.
Consumer complaint received 2020-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

So. There was a conversion of my bank, peoples United bank bought XXXX XXXX. My bank card on XX/XX/XXXX got shut off, I was unable to check my account over the weekend. I was sent XXXX via XXXX, and then XXXX and XXXX dollars. I then in turn sent XXXX via XXXX and XXXX via XXXX. I spent the XXXX. So I sent that money out without the money being in my account. I have reached out to XXXX and have successfully gotten through and was told it was due to my bank. When I spoke to a bank associate I was told due to the conversion it was not there and they will be resolving my issue by the end of week it was completely bank error and if any fees were incurred to call them. Today I was charged XXXX over draft fee and when I called them I was told it was not bank error and there are no notes on my account. When speaking to a supervisor I was once again told she will try to resolve and call me back but will reverse my XXXX over draft fee but doesnt see anything with the XXXX shell try to make a call to resolve. I am currently unemployed due to the pandemic and XXXX dollars is quite a lot of money to someone who is losing income. Im begging to please get this resolved I need that money to pay my bills to buy groceries.
Consumer complaint received 2018-06-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My Bank of america loan was reported as a charge off on my XXXX credit report. I was about to pay it off and the account disappeared from my online banking. 

How I'm I supposed to payoff loan? Why was I not been given a chance to payoff? 


BK OF AMER View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Auto Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$28000.00} Balance Updated XX/XX/XXXX Original Balance {$45000.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 75 Months Responsibility Joint Account Your Statement **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED. 
Comments - Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2018-06-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (CA)

XXXX XXXX XXXX has an item on my credit reports opened XX/XX/2015 showing original creditor as XXXX and a balance of {$270.00} I recognize the name XXXX but have no knowledge of this debt or this company. I have had no communication from either in regards to the alleged debt. Considering all the complaints and lawsuits they are involved in In my mind it is either a mistake or fraudulently placed. XXXX on XXXX, XXXX legal issues on XXXX some XXXX on here under their various names.
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (SD)

My Home Depot store credit card, managed by Citibank, was paid in full and on time in XXXX. Citibank cashed the check but failed to update my account to show that payment was made. Consequently, they proceeded to add late fees, report my account as delinquent to the credit bureaus, significantly lower my credit balance and engage in a DAILY campaign of harassment. I receive collection calls EVERY 3 HOURS daily and 1 email per day, reminding me to pay an outstanding balance that I do not owe. I have informed Home Depot AND Citibank on multiple occasions that I paid my balance in full and do not owe them any money. Additionally, I have faxed them proof of payment TWICE, yet they REFUSE to update their records.
Consumer complaint received 2018-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stanislaus Credit Control Service, Inc. (CA)

Today, XX/XX/18, I contacted the collection agency that recently sent me a letter regarding a collection matter that I thought was already resolved. The company is : XXXX XXXX XXXX XXXX , XXXX XXXX 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Without any success in resolving this matter again, I am now contacting you for help. 

My nephew, XXXX XXXX, was involved in an accident and went to the hospital. I received a bill for his visit. I am not responsible for his medical bills, as he is XXXX XXXX XXXX and no longer lives here at home. I first contacted the company, XXXX XXXX California, who had sent the first invoice and informed them of my situation. They supposedly had made adjustments to the account and assured me that my name would be removed from the invoice as it was not my responsibility. That did not happen. I just received a collection letter from another agency with my name still attached as the responsible party fr this debt. 

I am NOT responsible for this bill! I have tried to resolve this matter every way I know possible without any success, and now need your help to resolve this. Please help me and/or advise what my next step should be to keep this matter from damaging my credit. This is completely outrageous that I have had to put so much time and effort into a matter that has nothing to do with me. My next call may have to be an attorney! Please HELP!!! 

Thank You in advance!