davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDEN 1 CREDIT UNION, THE (NY)

My card is disabled and blocked. When I tried to inquire on the reason : 1. I was given the answer that my card was fine - its just a glitch. A " glitch '' that is now lasting for more than a month 2. I called again, was told that it was " fraud '' and I should get a letter at anytime - which I never received.

3. I was told I am not " qualified '' to get information on why my account is blocked. 


My account is always paid on time - I am a big spender. I spend a lot, and I pay it off. Somehow this bank does not like that.
Consumer complaint received 2018-09-29
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: Experian Information Solutions Inc. (MI)

Dear Sir, As per the Experian Credit Report dated XXXX XXXX, XXXX did inquiry on XXXX XXXX in my credit file without my consent and without my authorization. XXXX also did inquiry on XXXX XXXX in my credit file without my consent and without my authorization, same has been disputed and removed from Experian Credit file. Experian entertaining the fraudulent inquiries in my credit file without my consent and without my authorization, I never ever contacted XXXX for any reason. XXXX  inquiry dated XXXX XXXX is a crime, fraud and misrepresentation. I have also locked experian Credit file on XXXX XXXX to avoid further fraudulent activities and damages, where experian unlawfully entertaining fraudulent inquires in my credit file without my consent and authorization. Also, on same inquiry dates XXXX XXXX and XXXX XXXX, someone kept fraud alert on my credit file without my consent and authorization. Could CFPB kindly direct Experian to remove the XXXX inquiry dated XXXX XXXX from credit file, which was inquired without my authorization and consent. Could CFPB kindly take appropriate action against Experian and XXXX for entertaining fraudulent XXXX XXXX inquiries in my credit file. Could CFPB store my CFPB complaints in the data base, FTC records, and identification theft and misrepresentation/fraudulent activity records. Could CFPB kindly direct my complaint to Federal Officer and take appropriate action against XXXX for committing fraud and misrepresentation using my social, name, address and various identification details..
Consumer complaint received 2024-03-26
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Lendmark Financial Services (WA)

Lendmark financial services is reporting late payments to an account that is closed. Per US Code 15 C 1681 B, states that any negative information must be approved by me in witting, i didn't give any permission to do so
Consumer complaint received 2023-02-08
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: Paramount Recovery Systems, L.P. (LA)

I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act  ( 'HIPAA ) authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization . COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. If any please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.
Consumer complaint received 2019-03-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: ALLY FINANCIAL INC. (FL)

My complaint and gripe is regarding on-line giant, Ally Financial, previously known as XXXX ( an  acronym for XXXX XXXX XXXX XXXX ). It's a US-based bank holding company organized in Delaware and headquartered in XXXX, Michigan. I was a sucker! I went to on-line banking for a few pennies more interest and it cost me {$2500.00}. Oh ... Ally didn't do anything illegal, they just removed the human side of banking and turned it and me into basically an ATM machine! Hopefully others won't fall into the same trap. 

THE STORY : 8 years ago I took the proceeds from the sale of my home ( {$250000.00} ) and purchased a Certificate of Deposit ( CD ) with 'new ' on-line Ally Bank. Their percentage rate was slightly higher. So instead of dealing with a local 'bricks and mortar ' bank that had a real human being sitting at the officers desk, I sold my soul to the XXXX and sent my quarter of a XXXX dollars off into cyber space ... AKA ... Ally Bank! For 8 years, I never made a withdrawal. For 8 years, I redeposited the interest back into the CD letting Ally keep every single penny. Fast forward 8 years and a family emergency popped up and I needed to withdraw the money out of the CD to cure the emergency. I contacted Ally and they informed me of the " penalty clause '' that said it would cost me {$2500.00} to collect my own money that had been entrusted to Ally for the past 8 years. Oh.. I know it's legal for them to penalize me as they have ... I'm not arguing that point. My {$2500.00} is gone, probably into some bankers weekend slush fund. My gripe is, I had no one to go to to explain the human and personal side of my situation. There was no bricks and motor ... there was no human being on the other side of the desk at a local branch to plead my case to. All I got was an 800 number and a recording that basically said ... " We're so sorry ... XXXX XXXX ''! 
The purpose of the penalty in these cases is prevent one from using the CD as a checking or savings account. For 8 years, I entrusted my money with Ally to invest and reinvest and do with as they pleased. I never made a withdrawal and always reinvested to interest with them. But when I had a personal problem, as humans often do, I got to see the hard cold reality of on-line banking. Turn on, tune in, drop dead! 
MY ADVICE : Don't do what I did. I was narrow mind and stupid. I never envisioned a family emergency arising down the road, only to have digital corporate America reach in my pocket and remove {$2500.00} of my hard earned money without a blink of the eye. There are banks on every corner in America with real human beings working in there, just like you and me, and will have some compassion and understanding when the need arises. You can bank of the fact ... that will never happen at Ally Bank!
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

At Capital One Bank we erroneous/fraudulent check ( attached ) was cashed against our account on XX/XX/XXXX. The check was washed ( and it was clear by the image ). We alerted Capital One about the fraudulent transaction on XX/XX/XXXX. We spoke with the fraud department on XX/XX/XXXX at Capital One and the Bank XXXX XXXX as well ( the bank the check was presented to for {$6000.00} ). 
Per our conversation with XXXX XXXX XXXX, the funds were not disbursed on their side because it was also suspected fraud. On XX/XX/XXXX, the fraud department at Capital One was not helpful at all. Although it was a clear case of fraud based on the check ( attached ) and XXXX XXXX XXXX 's determination, the Capital One XXXX department did not seem to care about our issue and acted as if we were bothering them. They would not provide us with a supervisor or last names, a timeline for recovery of our funds, or what we could do to speed up the process. During the conversation, they stated that we would receive an affidavit to complete to document that it was a fraud ( but would not tell us when or how long the process would take, even when asked directly ). We still need to receive the affidavit 21 days after reporting the issue and have yet to receive our funds back. Even though we explained that we needed the funds to cover our expenses and that we are also personal Capital One customers with substantial assets in the bank ( including our children 's savings accounts ), the fraud department was not affected by our concerns in the least. We also spoke to Capital One customer service on XX/XX/XXXX, and they put us on hold for several minutes while they tried to secure our affidavit from the XXXX Department. We were provided with the following case number XXXX. We still need to receive this affidavit that has been mentioned. 

We feel as if we are not being treated appropriately or fairly. The fraud department is treating us more like we committed fraud than if we were the victims. We want the affidavit, if necessary, and our funds back as soon as possible to cover our expenses.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Have submitted proof to Equifax on more than one occasion that XXXX was supposed to fix the errors in reporting to my credit for XXXX XXXX XXXX XXXX of 2020. XXXX is still showing delinquent even though I submitted the proof its not being fixed
Consumer complaint received 2018-09-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Conn's, Inc. (NC)

On XX/XX/XXXX I purchased from XXXX XXXX XXXX a XXXX washer, dryer-dishwasher and upright vacuum total price {$3200.00} not including finance charges on my loan. Having not missed any payments on this loan since I purchased these appliances I have had my washer repaired twice for the same reason and my dish washer has broken down twice within a year this last time was on XX/XX/XXXX I have spoken with the service people who always make me wait at least a week or more to have someone come out and repair my appliances always for the same reasons, I have asked that they replace these defected appliances. They tell me they will only repair them or to call the manufacture, I should not have to pay for defected products that are suppose to be new. Please help me
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Hello, and I hope all is well. While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX XXXX XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX have purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.
Consumer complaint received 2018-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (SC)

Every time I cancel my " membership '' with Experian, they come up with false reports and claims. This time I canceled my membership on XXXX Within 3 days they " claim '' I have a debt to a company called " XXXX/XXXX '' that says the debt is from XX/XX/XXXX. I live out in the middle of nowhere and have NEVER had this cable company ( which is what it believe it is ) My only options out here are XXXX or XXXX. I have XXXX & have had them since XX/XX/XXXX when I moved here. PRIOR to that I had XXXX XXXX XXXX, BEFORE they merged with XXXX. My last monthly bill with them was paid XX/XX/XXXX for {$130.00}. When I try to " dispute it '' of course Experian comes up and says that option is not available to me. WHY? Because I refuse to pay for their crooked false reporting? 

This is the 2nd time I have canceled where Experian plays games with my credit report. The last time they dropped my score 50+ points when I paid off my mortgage in XXXX. They are the ONLY ones who play games with my credit score. NONE of the other agencies are reporting this " FAKE '' collections debt! 

I have worked very hard to keep my score up around the XXXX area  and just because I pointed out NOBODY uses Experian so why should I continue to pay them does NOT give them the right to post FAKE COLLECTIONS or DEBT to my account!
Consumer complaint received 2021-03-26
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: American Credit Acceptance, LLC (WA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX, Inquired on XX/XX/2019. 
AMERICAN CREDIT ACCEPT, Inquired on XX/XX/2019. 
XXXX  XXXX  XXXX  XXXX, Inquired on XX/XX/2019.
Consumer complaint received 2018-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (FL)

This complaint is made against BB & T Bank in that the bank froze accounts belonging to [ Fiance Name ] to support their clearing of an out-of-state check made out to [ My Name ] and put into her account on XXXX. The bank put a 3 day hold on the check and cleared same on XXXX as a courtesy to the customer. The customer was trying to verify the check was a good one and relied on the bank to hold same until funds cleared to ensure its authenticity. The customer/consumer was not aware of what processes the bank used by which to release funds and did not ask for any special or courtesy accommodation in authenticating the check. 

Point 1 : According to the Federal Reserve Bank, a reasonable length of time for an in-state check to clear funds is determined to be 24 hours and at the most 72 hours ; Point 2 : According to the Federal Reserve Bank, a reasonable length of time for an out-of-state check to clear funds is determined to be at least 5-7 days and sometimes up to 10 ; Point 3 : Items 5 and 6 are usually those relied upon by a consumer making a deposit ; Please see attached COMPLAINT. I have all supporting documentation.
Consumer complaint received 2019-03-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CA)

This is a request for postponement of trustee sale scheduled for XX/XX/2019 as sellers are in contract. Buyers need 18 days to close escrow. Estimated close of escrow is XX/XX/2019. 

Last Monday, XX/XX/XXXX, I sent email to the trustee and the loan servicing company, Shellpoint Mortgage of this request but until now have not heard anything. 

I need the confirmation of the postponement of the trustee sale in writing. 

Thank you.
Consumer complaint received 2023-01-29
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)

I've notice a account/collections on my consumer report that doesn't belong to me. 
ACCT ... XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX, does belong to me. Could you please remove these FRAUDULENT ACCOUNTS from my consumer report. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THESE ACCOUNTS HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. INSTRUCTIONS THAT I COULD NOT HAVE GIVEN, BECAUSE NONE OF THESE ACCOUNTS BELONG TO ME.
Consumer complaint received 2021-03-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. ()

Dear Sirs, Coinbase disabled my account on XXXX XX/XX/2021 and we are now on the XXXX XXXX. Despite 14 messages, 4 cases and 1 complaint, Coinbase did not restore my account access. I am unable to trade, transfer or retrieve my funds. Customer support has been unsupportive, absent and I'm losing sleep over this situation. Coinbase said they would fix this within 4/5 business days. Clearly Coinbase is abusing my trust and confidence after having accepted to store my funds. This situation is causing psychological and financial harm to me and my family.
Consumer complaint received 2020-10-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

i have sent multiple disputes to the credit reporting agencies regarding accounts on my credit report that are incorrect. ive been sending letters since XXXX to the bureaus and have only received a response once from equifax in XXXX. we are now at the end of XXXX and i have not received any letters in the mail letting me know the status of the disputes and the accounts are still reporting on my credit report.
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (NJ)

When viewing my credit report through XXXX, I noticed an inquiry from Syncb for National Credit Cards/Airlines. The date for the inquiry is from XX/XX/2018 ... however I only noticed it now. When doing further research, I found that this was a problem with many people. I did not apply for care credit. An online user referred me to this site to file a complaint, so that I may avoid running in circles with XXXX, XXXX, and Syncb.
Consumer complaint received 2021-08-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

My name is XXXX XXXX I am a Consumer Natural Person and the Original Creditor pursuant to 15 USC 1602 under the Truth In Lending Act.. On XX/XX/2020 Mazda Financial Services committed fraud against me by issuing me an alleged debt contract instead of a consumer credit transaction.. As the Original Creditor I do not validate any alleged debt from Mazda Financial Services. I ask that Mazda Financial Services validate the alleged debt with the Original Creditor by providing the name and address of the Original Creditor.. Mazda Financial Services is also in violation of the Fair Debt Collection Practices Act pursuant to 15 USC 1692 . Mazda Financial Services is to cease and desist all forms of communication with the Original Creditor XXXX XXXX. Mazda Financial Services is to remove any alleged debt from the Original Creditors Consumer credit report within 30 days.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I have contacted Experian multiple times asking for validation of debt by on XXXX XXXX. I have not received validation from XXXX or Experian. Experian continues to post the data, even though it is a clear violation of US HIPPA laws and fair debt collection practices. 

In a previous complaint with the CFPB I request that Experian directly provide the validation as I have not received it from XXXX XXXX, and they did not do so. 

I have asked multiple times of multiple parties involved the following : 1. Justification of the claimed amounts, including itemized invoices and receipts 2. Explanation of how you calculated the amount owed 3. The identity of the original creditor 4. Proof that the Statute of Limitations has not expired on this account. 5. Proof that you are licensed to collect debt in my state. 6. Your license numbers and registration agent, or agent of service. 7. Any and all proof that you are following all HIPPA laws as you are a medical debt collector.

I have yet to receive any of up but Experian resolves the dispute as information stands.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I enrolled in the Equifax fraud protection program on XX/XX/XXXX as a result of the security breach affecting millions of Americans. 

The website said to wait up to a few days for an email with next steps. Today is XX/XX/XXXX and I have n't received an email. I have checked my spam and trash folders. 

I called the Equifax hotline. Totally useless, no information, referred me back to website. Could n't check on status. Could n't tell me how long to wait. This hotline is itself a fraud. 

I want to know the status of my enrollment.