davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have ( had ) three credit cards with Bank of America that I rely on daily. This morning I woke up to all three being closed by them for no reason at all. When calling, XXXX XXXX told me my accounts were reviewed and closed due to " authorized user activity. '' I have no idea what that means and they won't tell me or reopen my cards. I've added a few family members to my card so they can have access to credit but I've never missed a payment to Bank of America or any other bank, ever. In fact I've been a loyal BofA customer for twenty years and have paid them many annual fees only to have them close my accounts for no reason with no warning.
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (NY)

I had XXXX XXXX XXXX in my home heating propane delivery. then they merge with the XXXX company. the sent me a bill for {$110.00} for price protection for next year 's service. I close the account with them I did not take service I have a different company now. I call so money time to XXXX I explain to them. and now they keep adding up {$30.00} each month. now they asking for {$330.00} from collection company A>R>M solutions , inc. I just received the bill. 
XXXX XXXX XXXX
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OK)

On XX/XX/XXXX, I made a PURCHASE of {$750.00} at XXXX using my DEBIT CARD and PIN. However, the purchase was canceled right away and the merchant ( XXXX ) informed that the funds will go back into my account. On XX/XX/XXXX, I filed a merchant dispute and it was denied. I called and asked why it was denied and nobody could give an answer. On XX/XX/XXXX, I refilled the dispute and explained that my purchase with XXXX was canceled by XXXX but they never refunded my funds back to my account. US Bank denied my claim and refused to tell me the reason why. Because it's within my right as a customer to request information, I formally requested that they send me the INFORMATION based on which they made their decision to denied my merchant dispute. However, they never provided me with the information. As of today XX/XX/, I have not received the documents or information US bank used in the investigation.
Consumer complaint received 2017-08-07
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (CO)

I have called this company now twice on a Recorded line and asked them to provide by law the permissible purpose for their inquiry and they say they can not do that and would remove it. That was back in XX/XX/XXXX and then again today. This company accessed my credit without written consent and arerefusing to remove the inquiry. This is the last chance to do it before a complaint with the State Attorney Generals office is filed. ON A RECORDED LINE TODAY THE REP SAID THAT THEY HAD ME GOING  IN AND APPLYING FOR A LOAN WITH A BRANCH HERE IN XXXX XXXX THAT IS 100 % FALSE, I HAVE NEVER DONE SO. I AM DEMANDING THAT A SIGNED AUTHORIZATION BEARING MY SIGNATURE SHOWING THAT I DID SO TO BE SENT TO ME IMMEDIATELY IF YOU WISH TO KEEP THIS INQUIRY ON MY CREDIT REPORT. IF YOU REFUSE I WILL HAVE NO CHOICE BUT TO FILE A COMPLAINT WITH THE STATE ATTORNEY GENERALS OFFICE HERE IN COLORADO. Account name ONEMAIN Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Comments Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2020-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

To whom It may concern. I'm currently writing to file a complaint on behalf of Professional Adjustment CO. Located XXXX XXXX XXXX, XXXX XXXX Fl XXXX. I've attempted to contact this company in regards to verifying and removing this debt. This company has yet to provided me with any sort of written documentation as to the validity of the debt as I don't believe the debt is mine. The alleged debt is for {$130.00}. The account number in question is # XXXX. I've been trying to get them to remove this error on my credit report since XXXX of XXXX. They refused to remove the debt from my credit report. On XX/XX/XXXX I contacted Professional Adjustment Co, I offered to pay the debt even though that I told them that I don't think it's my debt. In return I asked for a removal from my credit report upon them receiving full payment, they still refused a pay for deletion offer. They were extremely rude and unwilling to cooperate. I just want this false debt to be removed from my credit report.
Consumer complaint received 2019-05-31
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: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXX, I observed an authorized several hard inquiries on my credit report listed below and have contacted the company via phone. I was informed that a dispute has to be done in order for the unauthorized inquiries to be removed form XXXX, XXXX and XXXX. The first hard inquiry observed was from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX in XXXX XXXX, XXXX, XXXX on XX/XX/XXXX. In XXXX and XX/XX/XXXX and also two hard inquiries from XXXX XXXX and XXXX XXXX. Which I did not authorized. After recent research, data breach information that was compromised and also several security measures that was added on my credit reports for precaution after being a victim. This has made my credit score tremendously decrease and also was not authorized by me. A few years ago my email, where I was employed, my address and passwords/ PIN numbers I had used for apps and credit cards were compromised. Once learned I had placed a security feature on my credit report which can be verified by all 3 credit  bureaus. This security feature only last for a few months and the request process has to be done all over again. I am requesting for these creditors/ hard inquiries to be permently removed from my credit report account and all unauthorized charges are dismissed. Attached below are the amounts and the creditor listed on my report. Also attached is proof of my email, address and certain passwords/ pins that were used for majority of my bank accounts.
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

They are not approving the applications I have made to have an account with American Express and they have must to approve them because I am a XXXX  and I have to be well to be able to XXXX XXXX XXXX XXXX to other people I must have my XXXX and I already sent proof of my title.
Consumer complaint received 2020-09-20
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. (GA)

In or around XXXX, 2019 I went shopping for a car from dealers that specifically stated they are a " buy here pay here with no credit check. '' I bought a car from XXXX XXXX XXXX in XXXX, GA and did NOT consent to or sign any consumer/ credit check request form because it was not required. That was the main reason I went to this type of dealer because I did not want anybody running my credit. 
However, a few months ago I noticed a hard inquiry on my credit by XXXX -supposedly conducted for an auto reseller on XX/XX/2019. I immediately called the number listed for XXXX but I could not get anyone over the phone. I kept calling and leaving messages but to date nobody has ever returned my calls. The company does not provide any option to send an email or dispute online. Ii tried to dispute with the credit bureaus but I was told that for this kind of dispute I have to dispute with the furnisher/provider of the information. I went back to the dealer to inquire why they had XXXX run my credit without my consent and they categorically doing that and restated their earlier position that they are a " buy here pay here '' company that does not do any credit checks. I have since tried unsuccessfully to get XXXX to remove this inquiry from my credit.
Consumer complaint received 2023-02-22
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. (FL)

I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE OF {$290.00}, {$1800.00}, {$180.00}, {$630.00}, {$240.00} Account Name : XXXX XXXX / Account Number : XXXX & XXXX / Description : XXXX XXXX XXXX  XXXX XXXX Account Name : XXXX & XXXX XXXX XXXX Account Number : XXXX / Description : XXXX Account Name : XXXX XXXX/ Account Number : XXXX / Description : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX / Account Number : XXXX / Description : XXXX Account Name : XXXX XXXX XXXX XXXX / Account Number : XXXX / Description : XXXX XXXX XXXX This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards By provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX  enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

It has been well over 30 days and I have not received any proof of response to these alleged debts thus should be removed. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 

Best, XXXX XXXX XXXX
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

As per the Fair Credit Reporting Act, all items older than 7 years and the bell for the seven years to start rings from the date of the first delinquency. 
A recent careful review of my credit report reviewed my credit report revealed this has not been done. There is old item on my report that I demand you remove at once in order to comply with the FCC. 

US BKPT CT FL XXXX XXXX Bankruptcy chapter XXXX-discharged Original filing date : XX/XX/2011 Latest status date : XXXX XXXX, 2011 Account Info Reference Number XXXX Court US BKPT CT FL XXXX XXXX
Consumer complaint received 2020-09-20
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: EQUIFAX, INC. (GA)

In or around XXXX, 2019 I went shopping for a car from dealers that specifically stated they are a " buy here pay here with no credit check. '' I bought a car from XXXX XXXX XXXX in XXXX, GA and did NOT consent to or sign any consumer/ credit check request form because it was not required. That was the main reason I went to this type of dealer because I did not want anybody running my credit. 
However, a few months ago I noticed a hard inquiry on my credit by XXXX -supposedly conducted for an auto reseller on XX/XX/2019. I immediately called the number listed for XXXX but I could not get anyone over the phone. I kept calling and leaving messages but to date nobody has ever returned my calls. The company does not provide any option to send an email or dispute online. Ii tried to dispute with the credit bureaus but I was told that for this kind of dispute I have to dispute with the furnisher/provider of the information. I went back to the dealer to inquire why they had XXXX run my credit without my consent and they categorically doing that and restated their earlier position that they are a " buy here pay here '' company that does not do any credit checks. I have since tried unsuccessfully to get XXXX to remove this inquiry from my credit.
Consumer complaint received 2023-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX [ Credence Resource Management ] [ XXXX XXXX XXXX XXXX ] [ XXXX TX, XXXX ] I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX XXXX. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX  and tell them the debt is the result of identity theft. 

[ An account was opened in my name allegedly there were two phones put in my name and I was charged {$1500.00} allegedly around XX/XX/XXXX. 

I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform XXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This serves as the second complaint on TransUnion. On XXXX XXXX I received an email from CFPB stating that TransUnion is still working the issue and to give them 60 days. However, after contacting TransUnion they advised me that it was closed on XXXX XX/XX/2020. Which contradicts the response they provided you. Additionally the name, address, and other vital information is incorrect. I was advised also on XX/XX/2020 that the dispute was actually cancelled which was a technical issued. As per XXXX ( supervisor ).
Consumer complaint received 2020-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc (IL)

I've been the victim of identity theft, a paypal debit card was established in my name fraudulently. I received the card in the mail and have a account that I did not establish. Paypal customer service lines will not pick up phone calls ever it will always go to a line that hangs up ; and using their chat service I've gotten no resolution to identifying the fraudulent account to close it. I've been told to cut up the card, and have been given other non-answers to fix fraudulent charges on my account which is not resolving the issue of fraud at all. I've been trying to resolve this issue for over a week and it has not been handled appropriately. At this point the customer service has not taken any information to identify and close the fraudulently created account. I'm raising this issue because their customer service is not taking the issue of fraud and identify theft seriously by ignoring my issue.
Consumer complaint received 2017-08-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I paid off a XXXX 's credit card in XXXX of 2014 and received a paid-in-full letter thereafter from XXXX 's attorney. It was a settlement that XXXX 's agreed to and signed to in front of the judge when i fell on hard financial times. I have proof that I paid every red cent agreed to. Since then, 3 years later, XXXX 's in conjunction with XXXX ( they merged ) have reported to all 3 credit bureaus that I am late every month to this day. I am constantly disputing this fact with PROOF to the 3 credit bureaus, XXXX 's credit and XXXX, however I am told that internally, XXXX 's and XXXX do not communicate with each other. When the credit bureaus try to question them, they claim I owe {$380.00} to this day. As a result, I have been denied credit, or charged on average, 4 % more interest rate to lease or purchase anything. I have written letters and made calls with escalations for 3 months now and XXXX 's constantly denies THEIR OWN paid in full letter. I spoke to XXXX 's attorney who claims, they must accept the proof I submitted to them. They do n't. Various people at XXXX as claim they had an internal problem with account numbers ; another told me the 2 company computers do not communicate ; yet another told me, this is happening frequently and yet another said, this amount of {$380.00} was supposed to be written off by XXXX but was not ; an internal mistake that is costing me thousands and lots of heartache. Please help me!
Consumer complaint received 2020-11-18
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. (NC)

I sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2020-09-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (PA)

On XXXX approximately XXXX XXXX  I attempted to log onto my Coinbase account from my laptop computer. The process includes a 2 step verification in which they send your phone an sms message. During the log in the code they provided did not work. I tried to log in again and the same thing happened. I was prompted to change the password. After changing the password I became locked out of both my mobile account and the laptop I was trying to log in with. I then tried contacting coinbase through their chat which seems to be completely automated and run by a robot only. I then tried to call to speak with a person only to find the number is solely for compromised accounts and you still can not talk to an actual person. I then contacted support through an email in which they replied they would look into it. I then had to complete a recovery process. After completing the recovery process I was then told it could take 48-72 hours to reinstate my account. In the world of stocks and crypto that amount of time is unacceptable. I have now  been forced to watch my money plummet well over XXXX dollars with no way to access my portfolio or sell what I do have to prevent further loss. Due to the fact they have blocked me out of my own account all I have are screenshots of where my account was at approximately XXXX XXXX  on XXXX. I have bank record of money invested and if they ever open the account back up I can provide all the transaction history.
Consumer complaint received 2020-11-18
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. (OH)

Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise 25 year perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.
Consumer complaint received 2020-09-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was notified by Maryland Unemployment agency of benefits being deposited into account and have not received a card. There was no option to have funds deposited to any other account but a specified " Bank of America '' prepaid card. I do NOT do business with Bank of America and never received the card. My personal information was forcefully shared with Bank of America from Maryland Unemployment Insurance as " the only option for payment ''. I have not received my card in weeks and suspect fraud. 
They are now charging a fee at their convenience to send regular XXXX of card which is totally bogus. It's seems they sent prepaid card purposely through snailmail and are trying to profit off of {$10.00} to " resend '' something that was purposely not mailed properly. Knowing that people are in need of their money and two weeks is enough to pay the fee to have it really sent.