davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

I am no longer able to login to my XXXX account after attempting to buy XXXX on Coinbase. These accounts use the same login credentials. I am unable to access my {$1500.00}. Support has been unresponsive and they are not available via phone support on the weekends.
Consumer complaint received 2018-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

MANIPULATED INTEREST AND AMBIGUOUS BANKING PRACTICE I applied for cash advance of {$1200.00} in XX/XX/XXXX. I spoke with the banking staff after couple of months when I noticed the double interest charged with purchasing and cash advance loan being separated on the best way to pay off my cash advance, I was told by the staff that I should be paying more above my monthly due and that any cash above the normal due will offset the cash advance. From XX/XX/XXXX. I always make monthly payment above my normal due. I found that the interest rate continually mounted higher on my credit card and cash advance is separated with purchasing At XX/XX/XXXX the balance on cash advance stood at {$1100.00} from {$1200.00} while I the accumulated interest paid amounted to {$490.00}. 
I have offered to paid off the cash advance balance but the bank refused to separate my cash advance from purchasing but enjoyed charging interest rate differently. I have spoken to bank staff for settlement of cash advance several times to relieving the doubles interest on cash advance and purchasing. I regret my cash advance but I am soliciting for assistance to pay off my cash advance I got cash advance and I was told by the staff that in order to pay off the cash advance I need to pay more over my normal monthly dues. I have done that for over 12 months and the cash advance remained same with monthly huge interest. I have paid interest that mounted to half of cash advance but the cash advance remained same as if I just got it yesterday. This is ridiculous. I need assistance from public to fighting this ambiguous financial malpractice. I am weighing option to let it go to collection and only fraction of the money will be paid The interest rate charged on both Purchasing is 24.24 % and Cash Advance is 24.24 %. The lending practice of this bank needs to be publicized for public awareness. I was told wrongly and all the payment made above my normal dues were not applied to cash advance.

I have enough cash to pay off the cash advance but the bank will not apply any cash payment to close the cash advance because that is the area that they are sucking money from people. I was advised wrongly before I got the cash advance. I need help on how to challenge this wrongly doing.

I am soliciting for assistance to addressing this issue publicly on all media house as I am trying to avoid bankruptcy or financial crises
Consumer complaint received 2021-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (FL)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC
Consumer complaint received 2021-10-22
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. (GA)

XXXX, XXXX XXXX, and cbna inquires were on my credit report. I submitted police reports and Equifax said all inquires no matter if you didn't do them are facts and stay on your report even if you never allowed them. They also won't let me change any info on my report.
Consumer complaint received 2021-06-01
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)

There are 15 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus to no avail they will not help me I have tried reaching out to the furnishers with the contact information on my credit report and they are not getting back to me I need help to remove these from my credit report since they do not belong to me in any way!!! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CARD Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account
Consumer complaint received 2018-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

To Whom It May Concern, I have been disputing negative information on my credit reports that I owe Portfolio Recover {$1200.00}. I've sent them several dispute letters asking for Validation of the Debt as well as a copy of an original contract bearing my signature verifying that I owe Portfolio Recovery that debt. I've included dispute letters in this complaint as well as Portfolio Recovery 's Response. They never sent any information requested in the validation request, only an Itemized bill and letter from capital one stating they bought this dept. They are reporting this negative information on my credit report, which has lowered my score, causing harm to me financially. This has caused me to pay higher interest rates for insurance, store credit and denial 's of credit. They have violated the FCRA, FDCPA and the FTC. " As Per the FTC Opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill, a letter stating purchase of a debt or itemized document does not constitute verification. '' Also after I sent the 2nd dispute letter after there response to the 1st dispute, they still didn't verify or validate anything I requested. Their letter described my disputes as subsequent and the matter was closed as far as they were concerned and that they would not be responding back to further request and disputes and sent me a bill, while I'm still disputing this. See Attachments ...

" The Fair Debt Collection Practices Act states that a debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Because there is no agreement between the collector and the alleged debtor, no collection can be sustained '' See attachments.

Please review, because I'm sure that they are violating a number of Federal Laws.
Consumer complaint received 2020-11-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Acceptance, LLC (NV)

On XX/XX/2016, I am XXXX XXXX entered a consumer credit transaction in which I was the creditor and the seller with American Credit Acceptance. Fact, there was a finance charge involved. Pursuant to 15 USC 1605, they were not permitted by law to take a cash down payment because the finance charge is the sum of all charges. They still took a {$1200.00} cash down payment from me which means they are liable to me in the amount of double the finance charge. The finance charge was {$13000.00}, double that is {$27000.00}. 
They also never gave any material disclosure disclosing I have a right of recession.
Consumer complaint received 2021-12-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc. (DE)

I closed my account with Self the second week of XX/XX/XXXX. I received an email acknowledgement that my account was closed. The email stated that I would receive a refund via check. I contacted Self on XX/XX/XXXX to report that I had not received my check. I was told that a direct deposit would be processed. In the meantime, received the my heck on XX/XX/XXXX. I contacted Self to report that I finally received my check and asked if I could deposit the check into my account. I received a message from a Self XXXXe that said that I could cash the check or deposit the check into my bank and that they were happy to hear that I received my refund. I deposited the check and Self had placed a stop payment on the check. This caused me to incur an returned check fee of {$20.00} on XX/XX/XXXX. My refund check was for {$18.00}. Self reached out to me and asked that I send them a screen shot of the returned check fee. I sent them the screenshot. I've asked for an update on this and no one from Self is responding. For every day that my account remains over drafted, I run the risk of incurring additional overdraft fees.
Consumer complaint received 2022-10-13
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (OH)

On XXXX, our company, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX, received a 'new U.S. Bank ReliaCard XXXX XXXX with the name XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX '. 

We never applied for this card. While this is our address, we do not have anyone in our ownership or in our employ, with the name 'XXXX XXXX XXXX. We believe this to be a fraudulent use of our address. 

I tried on several occasions, to contact US Bank to report this fraudulent activity, but never got through to a representative. 

We have not activated this U.S. Bank ReliaCard, Visa debit card, ending in XXXX. 
Please advise.
Consumer complaint received 2020-11-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$48000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- STUDENT ACCOUNT 2. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account.
Consumer complaint received 2022-04-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (TN)

Throughout the time frame of XX/XX/2022 to the present day, the company, BRIDGECREST has repeatedly contacted me claiming that I owe a debt under BRIDGECREST. I have disputed several times and allowed BRIDGCREST appropriate time to show evidence of contractual obligation between the debtor and BRIDGECREST. 

I have reason to believe your accounts to be invalid because the original contract has an addition to the agreement with the following items : ( 1 ) The intent of the agreement is that the original party who funded the alleged loan per the bookkeeping entries is to be repaid the money.

( 2 ) The bank or financial institution involved in the alleged loan will follow G.A.A.P.

( 3 ) The lender or financial institution involved in the alleged loan will purchase the promissory note from the borrower.

( 4 ) The borrower does not provide any money, money equivalent, credit, funds or capital or thing of value that a bank or financial institution will use to give value to a check or similar instrument.

( 5 ) The borrower is to repay the loan in the same species of money or credit that the bank or financial institution used to fund the loan per GAAP, thus ending all interest and liens.

( 6 ) The written agreement gives full disclosure of all material facts.

Furthermore, nowhere in the documents sent is BRIDGECREST listed as a party with any interest nor was there any trilateral contract signed between the alleged debtor, BRIDGECREST, and XXXX XXXX. 

In the case that BRIDGECREST purchased and/or received the original contract from XXXX then : 1 ) Proof and evidence directly from the original creditor that I consented and gave permission for the sell of the contract.

2 ) Proof and evidence of a new contract between the alleged debtor and the new creditor showing the agreement to pay the new contract in the event that the original contract was sold and bought.

3 ) Proof and evidence from the original contract that gives trustees and third parties access to the debtors personal private information to included the account number to the debtors XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched USAA Corresponce Documentation of Fraud with the letters F R A U D on them ( XXXX - XXXX ) *TOTALS {$1.00}, XXXX THIS IS BASED ON USAA DOCUMENTATION OF FRAUD. NO USAA PERMANET CREDITS WERE PROVIDED. see attatched REVIEW OF YOUR CLAIM IS COMPLETE LETTER XX/XX/XXXX. No Fraudulent Activity Found After Review of Your Claim. USAA HOLDS CONSUMERS LIABLE FOR FRAUD. NO TIMELY FRAUD CREDITS EVER POSTED.
Consumer complaint received 2022-10-13
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC (LA)

On XX/XX/2020 I wrote an affidavit to the company D & A Services , LLC regarding a credit collection in the amount of {$630.00}. In the affidavit I listed the violations that the company had committed in the amount of {$2000.00} also I included a invoice for the company to pay.
Consumer complaint received 2020-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (OH)

I sent a cease and desist letter to XXXX XXXX XXXX and they acknowledged that they did receive the letter however they have sold the debt to a new collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Montana XXXX when I contact a credit control they have no knowledge of the cease and desist however when I contacted XXXX XXXX they could not speak with me regarding the matter because of the cease and desist letter this was a an account that my deceased husband had and they are trying to collect it from me because we were both on the debt however this debt is very very old it has not been valid since probably XXXX which is why I asked them to stop contacting me they are now continuing to contact me and I want something done
Consumer complaint received 2022-01-09
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. (PA)

I recently sent letters to the credit bureaus on XX/XX/2021 and collection companies on XX/XX/2021 and the ignore my letters and my request i made regarding to the negative and inaccurate and inconsistencies on my report. According the fdca and fcra every thing on your credit report should be reporting the same. 
15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates Under the U.S code 1681b Permissible purposes of consumer reports I never have you any written consent to report anything on my consumer report. As a consumer by law these account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state also Ive already involved and sent this letter to the CFPB, attorneys general office and the XXXX XXXX XXXX and Federal Trade commission. 

1. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

No consent is IDENTITY THEFT!
Consumer complaint received 2020-06-02
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. (CA)

My credit report states that I have delinquent balances when I apply for credit but that isnt true it also say that I have a bad payment history and no revolving accounts everything they send out when I apply for credit is a lie because on there app and website it tells me something else
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MI)

On XX/XX/XXXX all free annual credit reports were ordered. Within one week two of the three reports had been delivered. Equifax did not send my free annual credit report. This is a recurring issue with Equifax including previous complaints filed with CFPB. Equifax also keeps sending me the same letter over and over that there has been a recent address change on my credit file. The address listed is my previous address from 20 years ago. Last year Equifax assured me by phone that the letter would stop being sent as it has been arriving for the last nine years. I received the same letter in XX/XX/XXXX. That makes ten years the same letter has been sent to me without resolution.
Consumer complaint received 2021-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

Mortgagor - Mr. Cooper Mortgage # XXXX Mortgagee - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Conventional Home Mortgage Problems with Payment Handling and Payment Information I scheduled a partial payment via the Mr Cooper website XX/XX/2021 for {$750.00} from my account at XXXX XXXX XXXX. 
This payment was rejected by XXXX on XX/XX/XXXX for NSF. 
I saw this transaction information on the XXXX website the morning of XX/XX/XXXX. 
I made a cash deposit to have more than enough funds in the account for a second ACH attempt for this payment. 
I had no evidence of a second attempt for this payment. 

I contacted Mr Cooper customer service on XX/XX/XXXX, inquiring - - how many attempts are made to make a NSF transaction whole - when does this attempt occur - informed Mr Cooper that there was sufficient funds in FCCU to make transaction Mr Cooper rep on the phone told me - - we make two or three attempts - these are made within 48 hours.

I was told it was needed {$2200.00} in total to make one complete mortgage payment. 

Representative did not inform me that the partial payment 'in limbo ' would not be made a second time. 

Based upon the information I had on XX/XX/XXXX, I made a partial payment of {$1500.00} - that plus the {$750.00} previous NSF attempt - to be made again - would be my payment. 

On XX/XX/XXXX I find that no second attempt on the {$750.00} was made - I made a 90 minute phone call only to be told that Mr Cooper is blameless. 

If Mr Cooper Customer Service had told me of the sequence of events on XX/XX/XXXX, then I would not have been late on mortgage payment.
Consumer complaint received 2020-08-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (OH)

Please provide Validation of Debt, Assignment of Debt, Method of Verification used. I will also send this request through the CFPB as I did not receive a notice in the mail to dispute this debt. 

PHOENIX FINANCIAL SERV # XXXX