davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
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: Avant Holding Company, Inc. (OH)

Throughout the months of XXXX and XX/XX/2022 I completed and submitted several applications for income-based senior housing with various facilities belonging to XXXX XXXX XXXX XXXX Most, if not all, of these applications included forms for Federal aid and required my Social Security Number to be written in multiple locations. In the last week of XX/XX/2022, I began receiving letters from various credit card issuers indicating that I had applied for credit accounts, of which I had not. I also received merchandise from an online retailer and a bill indicating that an account had been successfully opened using my information. Since then, I have discovered two additional accounts on my credit report that were opened fraudulently, one with XXXX XXXX XXXX and onXXXX with Avant. I submitted disputes with the XXXX credit reporting agencies and placed a freeze on my credit. I have contacted each of the credit card companies as the letters have come in to notify them of the fraudulent activity and have submitted a report with the Federal Trade Commission. 

Thus far, every organization has been cooperative, has invalidated any open accounts and ceased billing and reporting to the XXXX credit reporting bureaus with the exception of Avant Bank who continues to report that the account is mine. I have provided them with a copy of the Identity Theft report from the Federal Trade Commission and have submitted disputes with both XXXX and XXXX and on both counts, Avant persisted that the account was mine. I've reached out to Avant directly and they insisted that I provide a notarized affidavit and other documentation above and beyond what I have already provided and I refuse to submit to their predatory practices. I have already been sufficiently inconvenienced beyond reason by this experience and the account with Avant only exists because their organization failed to properly verify my credit information to begin with. Avant approved a credit application for an account that was applied for using a XXXXXXXX XXXX address that does not, and never has, belonged to me. I have lived in XXXX my entire life and that address could not have existed on my credit account at the time Avant recklessly approved the application. I will not be further inconvenienced because of this organization 's incompetence and inability to do due diligence in the same manner as XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX, all of which denied fraudulent credit applications that were applied for using my stolen SSN.
Consumer complaint received 2021-01-27
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. (DC)

I paid off a home equity credit line when I sold the property. XXXX received payment in full on XX/XX/2020. Since that time and after four ( 4 ) dispute attempts through Experian as well as a number of email and phone communications with XXXX directly, the account remains on my credit file as : 1 ) current ; 2 ) last payment XX/XX/2020 ; 3 ) {$28000.00} balance ; and 4 ) 64 % credit utilization. All of these items are incorrect, except the last payment activity. Experian refuses to change the data, even after requiring me to send proof of the payment and closed account status. XXXX says they informed Experian in XX/XX/2020 the account was paid off. They have made me provide proof repeatedly that the account is not reporting correctly. I've done this each time and yet as of today, the account remains inaccurate. This erroneous reporting is negatively impacting my credit score. No one will fix it. I've spent hours on the phone literally and written countless messages and disputes to get this fixed and as a consumer I have no recourse. Experian says they have to go by what XXXX says because they don't know if I submitted fraudulent docs. XXXX says the sent the correct info in XXXX and they can not resend it. Who can help me fix this mistake? I don't know where next to turn ... Thank you for your assistance and direction.
Consumer complaint received 2021-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

AN ACCOUNT WAS OPENED ON XX/XX/2015 FOR {$4600.00} DOLLARS. I TRIED DEALING WITH THEM DIRECTLY. INTIALLY THEY REMOVED FROM MY FILE BUT IT RE APPEARED A FEW MONTHS AGO WITH NO RESPONSE FROM THEM ON WHY. I AM ENCLOSING A POLICE REPORT STATING I HAVE BEEN A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2021-01-27
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: Experian Information Solutions Inc. (TX)

Experian has failed to investigate into my ID Theft case, and they have left unauthorized credit pulls on my account after multiple accounts of trying to remove them. Several disputes have been opened & no assistance has been provided in over 35 days. This goes against the Fair Credit Reporting Act, and I need this to be fixed as soon as possible. 

Hard Inquiries involved : US SM BUSINESS XX/XX/XXXX XXXX SM BUSINESS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The above inquiries are unauthorized & were not made by me. All other inquiries ARE authorized by me.
Consumer complaint received 2017-12-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mendelson Law Firm (TN)

On XXXX XXXX, 2017, I received a letter from Mendelson Law Firm - XXXX, stating that a creditor, XXXX XXXX XXXX, had referred a debt to them for {XXXX from XXXX XXXX XXXX XXXX ( USA ). I responded with a debt verification request on XX/XX/XXXX ( the day of receipt ). On XX/XX/XXXX, I received another letter with an Order attached to the general sessions court in my county. They are supposed to VERIFY the debt and allow 30 days. It 's fishy because I have never heard of XXXX XXXX XXXX XXXX XXXX XXXX. What is this " XXXX ''?

When I checked on XXXX XXXX XXXX XXXX website, it shows they hire a third party, XXXX XXXX XXXX, to handle all accounts as well. Who do I officially owe this money to? I do n't remember any {XXXX} credit card from XXXX XXXX. No one is acknowledging my correspondence.

I have cc : 'd all correspondence to the XXXX XXXX XXXX in my county as well. Not sure if it will help, but I 'm a single mom of XXXX. Why pick XXXX to start rattling cages.

What XXXX.
Consumer complaint received 2020-11-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (AL)

I paid the entire balance of my auto loan on XX/XX/20. Bridgecrest told me I would receive the title in 4-6 weeks. I have contacted Bridgecrest several times since then, and they will not give me the status of the title transfer. Today I called my state 's motor vehicle department, and they have not even received the title application. The car was stolen then totaled, and I can not receive payment from my insurance company until I send them the title. I have been without my car for almost two months, and Bridgecrest has caused delays every step of the way. This is my third complaint against them. I even told them I would file a complaint if they didn't give me the status of the title transfer, and they don't care. They don't respect the CFPB. They don't even attempt to provide good customer service.
Consumer complaint received 2017-12-15
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. (NJ)

LOAN OPENED XX/XX/XXXX Dispute resolved ; reported by grantor {$1600.00} {$3500.00} Last payment XX/XX/XXXX THIS LOAN WAS REPAID BY THE SCHOOL, I NEVER OWED ANYTHING, LOAN WAS PAID BACK BY GRANTOR, I HAVE LOAN IS PAID OFF INFORMATION. BUT XXXX XXXX IS STILL REPORTING TO MY CREDIT REPORT NEGATIVITY I WAS NEVER LATE ON ANY PAYMENT, I WAS GRANTED FORBEARANCE UNTIL I GOT THIS ISSUE RESOLVED 7 YEAR LATER THIS IS STILL HAUNTING MY CREDIT
Consumer complaint received 2024-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

I want the following creditors or debt collectors removed from all of my credit reports ( XXXX, XXXX, XXXX ). The Portfolio Recovery account I believe are accounts that i opened at the XXXX XXXX XXXX XXXX over 7 years ago ( possible in XXXX  or so ). The amounts that i see on my credit report is {$3200.00}. I want these negative items taken off of my credit reports ASAP because the debt is over XXXX XXXX XXXX. However, Portffolio Recovery are known for trying to purchase old debt and collect it from debtors regardless of how old the debt is.old.Thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (NY)

I made a payment as advised independently of over {$300.00} plus to close out this account as advised. After making this payment I was denied having my account closed because they said that I was supposed to let them process the payment but, I told them it made no sense because the payment already was processed. Now I called because they are sending me statements to seek assistance with the balance since Im not working but, when I called the representative told me that I can not get any hardship assistance and I now owe a balance of {$230.00}. I start out with a card of XXXX XXXXXXXX {$400.00}. This company appear to be doing fraudulent transactions. I ask for a manager every time I call and they say that the manager is never available.
Consumer complaint received 2018-12-07
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: Williams, Rush & Associates, LLC (NC)

I had an installment loan for an online college. The initial date was XX/XX/XXXX. I  tried the school for a while and was never able to schedule any exams with them. Do to the difficulty accessing the exams for class credit, I stopped using the program. I signed up for a local college and stopped making payments to the online school. This dept should be removed from my credit score in XX/XX/XXXX. The debt was closed on XX/XX/XXXX. The debt was purchased by XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX. XXXX, Tx. XXXX ; Representatives from this company call me several times a day ( I've block several of their numbers ). They have threatened me and even tried to contact relatives and the school I currently attend. They have threatened that they will block my XXXX license, send the sheriff to arrest me at my school and even at my child 's school. There is no account number for this company on my credit report and they would not tell me any number or identifying information when I requested it.
Consumer complaint received 2024-03-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX, I transferred $ XXXX to my Coinbase account to a wallet that I had saved the address of because it was a routine transaction for me. However, unexpectedly and without any warning, Coinbase terminated my account and before I realized that had happened the send transaction was completed. 

Since then, over the past XXXX months, I've reached out to Coinbase more than 20 times via support chats, phone calls, and even submitting an official complaint in an effort to retrieve the USDT still held in their account. 

I have made a new Coinbase account as requested, including going through verification two times so that Coinbase can send the funds or they can contact me for a receiving address. As I have said, in all cases, the USDT can not be simply refunded to the sending address. 

I didn't even get a response from filing a formal complaint, and I waited for the mandatory 45 days before pursuing further action. This is the first further action I am taking, and next, I will have to file with the small claims court. Every time I call, I can't get answers or get through to anyone who can help ; I am always told someone will email me. NO EMAIL HAS COME. I have even been told the funds will be in my new coinbase account in two weeks, on the XXXX of XXXX, 2023. ( on this case # XXXX ) Coinbase Complaint case number - # XXXX Other case numbers that are all my attempts to resolve this issue with Coinbase # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX & many more From my XXXX exchange to coinbase account https : XXXX Coinbase transferring to themselves " XXXX XXXXXXXX '' https : XXXX Thank you.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

I recently applied to a Chase XXXXXXXX XXXX XXXX XXXX XXXX. I was denied for no reason and no explanation, which makes absolutely no sense. I have a XXXX credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. 

I am planning on traveling and I believed Chase XXXXXXXX XXXX XXXXXXXX is the right choice for myself as I am now a XXXX member and plan at staying at their properties. I have credit cards little to no balances, great income and excellent credit and to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration even by moving balances around if that is what was required, and they were absolutely no help and said to reapply again. This is very unethical on their side. Why would I reapply when that will count as another hard inquiry, and they can reconsider. I would be happy with the credit card for its travel perks and want to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I feel I'm being discriminated by my age, which is unfair. I demand a response and a resolution. Thank you.
Consumer complaint received 2021-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This is a systemic issue with Kohls occurring in XXXX XXXX, XXXX XXXX, and once again XX/XX/XXXX. I scheduled payments online and or via the kohls app for days well before the payment was due. Kohls scheduled payment system does not always show payments, so it is not always clear if a payment is truly scheduled and just not showing, or if it didn't truly go through. 
In XXXX and XXXX, when my payment did not go through, I did not receive paper notifications that my payment was missed, until it was already posted negative ( 30 days past-due on my credit report ). The only reason I knew the payment was late was due to credit monitoring services for fraud which alerted me my payment was 30 days past-due. Once I was aware, I paid in full immediately, but Kohls refused to acknowledge there was a problem or investigate the data/accounting/payment issue. I normally set up payments on the weekends, typically Saturday night/Sunday morning, which tends to coincide with when banks/financial institutions have a break in their account/payment maintenance processes. 
Furthermore, when Kohls credit called me, they did not leave a message indicating who they were calling from, and they did not provide their name on caller ID. Due to the prevalence of spam calling in DFW, I do not answer unknown phone numbers and check my voice messages as well as text messages for notifications. Even though I am opted in for text messages, phone calls, voice messages, and emails Kohls did not text me to alert that I was late on my payment, so I could pay before it impacted by credit standing. 

Now I scheduled my Kohls payment within the last 2 days for the end of this month, but it was still not showing in my scheduled payments as of this morning. When I called Kohls, their automated system reported there was a scheduled payment, but it would not give me information. I made it clear I wanted this to be reported as a possible systemic consumer wide issue, as some of my friends have experienced this same issue and I believe it is widespread, but not being researched by Kohls. 
I ended up going directly through the website and scheduling a payment for today which finally did show up. 
I am highly concerned this is a long-term systemic issue with Kohls. 
I am going to be reaching out to law firms on Monday to find someone that will take this on as a contingency, as I believe it has serious potential for a class action lawsuit.
Consumer complaint received 2021-08-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (OR)

SunTrust opened a checking account in my name in XX/XX/XXXX. Upon looking into my credit report they requested a soft inquiry from XXXX  XX/XX/XXXX. I did not contact SunTrust asking to open an account. I have been receiving monthly statements showing a " XXXX '' balance.
Consumer complaint received 2021-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

USAA Federal savings bank has denied me access to my funds, which in turn has rendered me homeless, 2 vehicles under repossession, not able to pay bills causing my credit rating to take a tremendous drop. I have no food or money to eat or establish means of housing, I am on VA XXXX and SSDI. IM also not able to fix my vehicle that I've been sleeping in due to their inability to resolve this issue
Consumer complaint received 2021-08-22
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. (CA)

Someone broke into my car stole my persona information & now using it as me and trying to open accounts in my name. These items on this report was not authorized or completed by me.
Consumer complaint received 2022-09-16
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)

MY NAME IS XXXX XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.
Consumer complaint received 2021-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Accounts Service (CA)

California Accounts Service has been attempting to collect money from me for medical debt I dont owe. The balances were supposed to be paid by primary and secondary insurance and the bills specified not to bill me if services were not covered by insurance. Primary insurance claim was denied. I didnt receive payment from insurance but California Accounts Service claims I did. Creditor refused to provide documentation for over 4 years but continued to report additional fees to credit bureaus each month. They claim that they did not contact me because they believed I was filing for bankruptcy. This is false- no bankruptcy action was filed and I did not consult with an attorney. After filling additional complaints against the debt collector, they mailed me a statement. The statement shows no billing was generated between XXXX while fees were assessed. An explanation of the fee schedule was never provided, a right to dispute was never provided and the statement they mailed out to me shows multiple HIPAA violations including personal information, treatment codes, insurance details and additional confidential information. All reporting by California Accounts Service must be deleted from my credit for fraudulent reporting, breach of duty and causing multiple data breaches of my confidential information over the past 4 years
Consumer complaint received 2021-05-02
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: Experian Information Solutions Inc. (TX)

There has been plenty of guidance from the president and the cares act and any covid guidance on collectors attempting to collect debt especially state guidance considering the furloughs and the lockdowns and the attempt to stop the spread of covid, and yet still this company put a negative remark on my collection report called the collection company is listed on my XXXX credit report, XXXX or some type of XXXX XXXX, ( because the one from the test said so ). i have so many records of experian and XXXX  and XXXX removing my negative or collection account just to see it be placed again under a different company name this madness has got to stop
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (FL)

I deposited a check into my checking and savings account with sofi. My checkings account deposit was perfectly fine but after a day my savings account deposit was retuned once my check deposit to my checkings cleared my account became restricted and my savings deposit got returned XX/XX/year> on XX/XX/year> the savings deposit that was originally retuned was made available to me but since my account has been frozen with no exact reasons why I have no access to my account money or debit card!