davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-06
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: EQUIFAX, INC. (DE)

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXXXXXX. 
Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : Account Name : XXXX Account Number : XXXX Account was opened : XXXX XXXX, XXXX Account BalanceXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$9400.00}
Consumer complaint received 2017-11-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation (FL)

Misleading marketing and deliberately alludes to potential for granting a bad credit loan. They even give you guidelines for credit score XXXX [ they say as fair ] & while indicating a credit check will not negatively effect your credit. Then they reject you with incorrect information gained from that credit reporting agency. An agency that I have complained to CFPB for months over incorrect information. No attempt on their part to validate. Then they will- get this- post that rejection while asking me to reapply in 6 months really!
Consumer complaint received 2017-11-19
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. (IL)

Equifax has not properly investigated the following issues on my credit report. Any claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations ( initiated XX/XX/XXXX ). Please see items below ACCOUNTS XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX INQUIRIES XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX JUDGEMENT XXXXXX/XX/XXXX XXXX XXXX XXXX. XXXX CH-XXXX XXXX XXXX XXXX XX/XX/XXXX JUDGEMENT COLLECTIONS XXXX XXXX  XXXX XX/XX/XXXX PAID XXXX XX/XX/XXXX {$95.00}
Consumer complaint received 2021-07-06
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. (PA)

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible
Consumer complaint received 2021-10-05
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. (PA)

I do not recognize the following accounts listed on my credit profile ( accounts ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts do not belong to me! I AM NOT A CREDIT REPAIR COMPANY
Consumer complaint received 2017-11-19
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: LEXISNEXIS (IL)

I submitted a public record investigation request to LexisNexis X/X/2017. I received a response more than two months after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA. They know this because I have a friend who had the same issue recently and LexisNexis in accordance with the FCRA removed the item in question I contacted the court and the clerk was certain there was no verification request from LexisNexis How can this be..? 

Case # XXXX
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one has discriminatory practices. They do not allow for cash deposits with change at their XXXX, TX branches. I went into the branch to make a cash deposit of {$26.00} to bring my account current. This is ridiculous that any bank rejects cash deposits like this. What federal law allows banks to rejects monies like this? Where are the federal laws and regulations that allow this?
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Transunion is listing my FHA backed mortgage with XXXX XXXX under " Accounts with Adverse Information '' but it was current when it went into forbearance under the CARES Act.
Consumer complaint received 2017-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have submitted a certified letter every month for the last three months to all three major credit bureaus and the original creditor stating that there are multiple errors being reported on the XXXX account being reported. I have asked for validity of debt and documentation to prove that this is indeed my account and each time it just come back as verified with no proof. If this is indeed my account I need documentation stating that or they must remove this inaccurate and erroneous information immediately. 

Account in question : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-07-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (VA)

In addition to the claim already submitted with CFPB ( # XXXX XXXX, on XX/XX/XXXX, after the events described above, Coinbase suspended all trading on XRP as a cryptocurrency. While we understand that XXXX  has levied violations against XXXX XXXX XXXX XXXX that need to be honored, Coinbases decision to suspend trading on XRP was an arbitrary one and was not properly communicated to consumers. My wife and I both invested in XRP on XX/XX/XXXX and XXXX, at a time when Coinbase was clearly aware of the action against XXXX XXXX ( Coinbase Pro had already restricted trading of XRP as of XX/XX/XXXX ). However, we were not notified at that time of the impending suspension on Coinbases main trading platform. Therefore, in the week after our investment and prior to the freeze in trading, my wife and I would have had to pay both buy and sell fees to Coinbase to recover our investment. 

Coinbases freeze on trading for XXXX has now been in place for almost six months, and we have received no communication from Coinbase as to when this restriction will be lifted ( if ever ). As a result of Coinbases intentional fraud against their consumers to maximize their profits through fees, etc., my wife and I have been unable to sell or trade our investment in XRP to this date which has cost us and has benefited Coinbase. 

My wife and I have detailed documentation and evidence supporting the claims made above, and will be happy to provide them if needed.
Consumer complaint received 2017-11-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WA)

I recently transferred funds from coinbase to XXXX ( XX/XX/XXXX ) and the funds went through. I then transferred the funds to my XXXX address XXXX and see that my transaction is pending in coinbase but says sent in XXXX. When I grab the transaction hash from XXXX it shows that it is invalid. Left 3 trouble tickets XXXX ( case id : XXXX ) coinbase ( case id : XXXX and XXXX ) and called support afterwards they told me they would look into it and 4 days later nothing no transaction on the blockchain. Support told me to submit a ticket which I have and of course they never respond. I transferred XXXX litecoin and really want get rid of my coinbase now but am stuck dealing with this. I 'm not about to lose XXXX and still need to send XXXX litecoins but am afraid they will be lost too. When i entered the txid hash provided it shows invalid on the blockchain XXXX XXXX XXXX XXXX XXXX also shows 0 confirmations in coinbase. I feel this is the only means to try and get this resolved.
Consumer complaint received 2017-11-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (CA)

My client set up a recurring payment with Wells Fargo and they started withdrawing duplicate payments without my permission. She had to refinance the debt with another lender in order to stop the duplicate payments. Please see the attached document for additional information
Consumer complaint received 2024-03-13
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (MO)

In XX/XX/XXXX I made a charge to my XXXX 's credit card of {$51.00}. I did not receive a statement from XXXX 's and promptly forgot about that charge. 

In XX/XX/XXXX I made a charge to my XXXX 's credit card of {$30.00}, and went to my computer and had my bank send the payment to Comenity/Carter 's for that amount. 

I received a statement from Comenity/Carter 's at the end of XX/XX/XXXX showing the previous unpaid balance of {$51.00}, the charge and subsequent payment of {$30.00}, plus a fee of {$2.00}, with due date of XX/XX/XXXX. I paid the full balance of {$53.00} ( {$51.00} plus {$2.00} fee ) on XX/XX/XXXX. My balance with XXXX 's should have been XXXX at that point. 

However, according to XXXX 's and Comenity, since I made a " partial payment '' ( the {$30.00} ) they can now charge me a monthly residual fee of {$2.00}, apparently every month. 

I did not receive a statement in XXXX or XXXX ; they say they sent it electronically but it did not show up in my email. And as I had not made any further charges ata XXXX 's, I thought I had a XXXX balance. 

Online, the XXXX statement shows my previous balance of XXXX, plus {$2.00} monthly minimum fee. Online, the XXXX statement shows my previous balance of {$2.00} plus {$2.00} late fee plus {$2.00} monthly minimum fee. Today I received an email saying I have a late payment due of {$6.00} .... consisting of {$2.00} charged AFTER I paid my balance in full. 

Today I called XXXX 's customer service and was told it was a " residual '' fee, and when I protested that you can not charge interest on a zero balance, they said it's not " interest '' it is " residual ''. Honestly, they can call it anything they want, but I had a zero balance and am now getting monthly minimum fees for no reason whatsoever. I requested they remove those fees, especially if they want to continue receiving my business ( I have XXXX small grandchildren who dress in XXXX 's clothing ). Their answer : XXXX, ( not my name I might point out ), we will not do that. 

So, I called Comenity to lodge a complaint, and was basically told the same thing. I said I will pay the balance of {$6.00} today, then I want my credit card cancelled. The customer service person said, if you want to do that you have to pay the balance ( per their statement it is {$6.00} ), plus an additional {$2.00} which they will charge at the end of this month. 

So, I sent a payment from my bank for {$8.00} to ComenityXXXX XXXX and will cancel that card as soon as they have that payment posted. 

I am writing this complaint to express my outrage that a credit card company can keep piling on fees, month after month, on a zero balance card, and the consumer doesn't have any idea it's happening, or that it will continue to happen. These fees are XXXX.
Consumer complaint received 2017-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX, XXXX , & TransUnion has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX  XXXX
Consumer complaint received 2017-11-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prime Business Service, LLC (CA)

Prime business LLC located in XXXX ca, ( XXXX ) XXXXcollected a debt from a bank account that I had. I sold a car to a couple and they paid me with a bad check come to find out 6 months later as the check was returned. My account was then closed and forwarded over to a debt collecting agency. The woman at the agency did not agree to payment arrangements after I explained that I was in the process of buying a home and could not afford for anything negative on my credit file. She told me that she could not do payment arrangements and that she was going to report the balance to the credit bureaus to hurt my credit and that she did. Since she has reported to the credit bureaus she also has been adding interest fees. I do not feel I am responsible to any interest fees because I did not sign or agree to any fees nor was it told to me that interest would occur. I asked them to send me an email stating the balance and it was never sent to me. I called her to get to the bottom of this matter and see what options I had to take the negative reporting balance off of my credit and all she did was threaten me that they will do whatever it takes to get the money from me and hung up the phone. Since then she is deliberately trying to damage my credit.
Consumer complaint received 2021-07-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, i have yet to receive a response, ignoring the fact it have been over 45 days. I feel as though im being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 45 days is a reason to remove those things off my credit report immediately. It has been over 45 days and they should be removed immediately or i will file for litigation to compensate me for the stress you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2017-11-19
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc (CA)

Pay Pal and I settled on a debt with an attorney. I had closed my account in PayPal. I had over paid initially as I did not know how much we would settle for. They returned my overpayment to a former Pay Pal account that I NOW can not access. I can not get a " live '' person to return my money. I can not get into this account. I 'm unable to access any way to get my refund. I need help! Below is the copy of the statement PayPal sent to me via my email. I called the number offered on the bottom of the email and was sent to the collection agency, who in fact, told me to call PayPal. It 's going back and forth. Meanwhile they have {$750.00} of mine that I can not access. 

Hello XXXX XXXX XXXX, We thought you 'd like to know that we 've added a credit to your PayPal account. 

Credit date : XX/XX/XXXX Amount : {$750.00} USD View more details If you have any questions about this credit, click Contact near the bottom of any PayPal page, and we 'll be happy to help. 


Thanks, PayPal Help Center | Resolution Center | Security Center Please do not reply to this email. To get in touch with us, click Help & Contact. 

Copyright XX/XX/XXXX-XX/XX/XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

PayPal XXXX : XXXX
Consumer complaint received 2016-05-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (TX)

I have requested verification of debt from this company and they will not provide it to me. It says that I opened this XXXX XXXX account XXXX/XXXX/14 and I have proof I was with XXXX at that time! This debt is not mine and I want proof of when this account was opened.
Consumer complaint received 2021-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NJ)

I am being sued by a XXXX XXXX XXXX in court of XXXX XXXX, NJ through XXXX, XXXX XXXX XXXX, XXXX XXXX firm for the debt that they did not validate. I have filed my answer with court on time. I have received in the mail interrogatories from XXXX, XXXX XXXX XXXX, XXXX that I responded to. I have mailed them my interrogatories asking to validate the debt and about the Statue of Limitations several times and did not get any answers. They mail me harassment letters wanting me to admit the debt without any validation. I have attached the documents that I have received from the court, XXXX, XXXX XXXX XXXX, XXXX, and my responses to them. I can not obtain any account statements from the original creditor Citibank N.A. in order to verify the debt and the last date of payment for Statues of Limitations. This account has been charged off as per Citibank , N.A . and I don't remember any details and don't have any records left.
Consumer complaint received 2021-07-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I sent a letter on XX/XX/2021, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

In XXXX of XXXX, I was reviewing my credit report when I noticed a collection account was added. It was for {$90.00} from Transworld Systems collecting for XXXX XXXX Hospital. I was surprised because I didn't even know that I owed any money. 

In XXXX of XXXX I was taken to XXXX XXXX Hospital by ambulance because of XXXX. I tried to refuse medical service but the police and paramedics insisted that I be taken to the hospital. Once I arrived to hospital, I again refused service and I left on my own. I did not have medical insurance and I did not want to incur any medical bills. 

I never gave XXXX XXXX Hospital my name or any of my information, nor did I ever receive a bill from them. I also never received a bill from Transworld Systems. I had no idea I owed any money and because I refused medical service, I did not expect to owe any money. 

On XX/XX/XXXX, shortly after I became aware of the debt on my credit report, I called Transworld Systems to resolve the debt. I explained to the customer service agent that I never received a bill and wasn't aware that I owed anything. I told her that I could make the payment but I asked that the collection account be removed from my report. She said that it would not be removed but only updated to show that it was paid. 

The customer service agent told me that bill had be sent to XXXX XXXX XXXX XXXX, XXXX, IL. Which is my old address. I've come the conclusion that XXXX Hospital must have gotten my information from the police officer or the police report. My ID at the time was outdated and did not have my current address. Again, I did not give XXXX Hospital any information, so my best assumption is they obtained the wrong information from my outdated ID. 

I told the customer service agent that I did not think it was fair that I should have a negative mark for a debt that I was completely unaware of. She again told me the best should could do was update it as paid and suggested that I contact a credit specialist. I wasn't satisfied with that resolution so I ended the call and did not make the payment. 

I later decided my best action would be to make the payment and file a complaint with the cfpb. On XX/XX/XXXX I made the full payment of {$90.00} to Transworld Systems.
Consumer complaint received 2021-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

XXXX XXXX XX/XX/2021, Paypal transferred the amount of {$6700.00} without my consent.

I believe that I was deceived by PayPal as they failed to provide the payment service promised taking advantage of me as their customer to steal my money in a clear case of unjust enrichment. I need Paypal to return my money immediatly.
Consumer complaint received 2017-11-19
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I contacted the companies to ask for proof that I authorized this inquiry and have not been provided proof to date. Two accounts were for I believe rental property and capital one auto finance have ignored my request for proof of my authorization.