davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One lied in its answer to CFPB Complaint XXXX. Capital One stated it could contact XXXX bank to verify the account. Capital One refuses to do that. I have contacted both the fraud department and their customer service on XXXX multiple times practically begging them to contact XXXX. The one response I got they left a voicemail wanting me to call with my account info ready. I don't know why they don't have the account info already. After that I attempted to contact the fraud department to ask them to email me with a list of info they need so that they can contact XXXX bank. I haven't received a response. I don't know if someone straight lied or if someone just doesn't feel like doing what Capital One said they would do in their response to CFPB Complaint XXXX.
Consumer complaint received 2020-08-19
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$18000.00} XXXX  XXXX {$580.00} XXXX AR XXXX {$760.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-03-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

In the later part of 2019, Citi Bank advertised a promotional cash bonus of {$700.00} for any person to open a Citi Priority savings account with a Citi Priority checking account, with an initial cash deposit of {$50000.00} and maintaining that deposit for a period of 60 days. 
Based on this solicitation, we opened a Citi Priority checking account and a Citi Priority savings account on XX/XX/2019 with an initial funding of {$50000.00} and maintained that cash deposit continuously in our accounts through XX/XX/2019. 
To date, Citi Bank has not followed through with the cash bonus of {$700.00} as promised in their original solicitation. 
We contacted Citi Bank a number of times on this issue, to no avail.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Equifax froze my credit report without my permission and as a result I have had to deal with a nightmare domino effect while I am traveling overseas. I cant log in to the website and when I call, the questions asked to verify my identity leave out pertinent info so I am unable to answer them. For example, XXXX question starts with the above referenced account and then asks about the account. But doesnt tell me what account they are asking about? There is no above on a phone call! Its as if the questions were pulled verbatim from the website. Again, the website doesnt let me log in. Tells me to call. And the phone wont put me through to a human. This is happening to a lot of people, Ive seen this problem all over the blogs. Why is nothing being done?? They are holding our credit reports XXXX and there is nothing we can do about it.
Consumer complaint received 2020-04-25
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. (FL)

On XX/XX/2020 I filed an identity theft report with FTC, the response dated XX/XX/2020 was basically that they received the report but will not be further investigating, nor removing the inaccuracies off of my credit report.
Consumer complaint received 2021-01-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I have been using Coinbase since 2017 and all of a sudden it required me to do the ID verification again. Followed the instructions and upload my diver license two weeks ago, but the account is still locked with a message : " Account under review Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status. '' I filed a support case with ID # XXXX, but Coinbase closed this case without resolving my issue. 

I have money left in this account, but I can't do anything about it, since it's pending review. 

I wrote down my experience on XXXX, and there are many other customers are suffering from the same scams.
Consumer complaint received 2022-09-12
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. (NY)

According to section 604 ( a ) ( 3 ) of the FCRA which states a company using a disclaimer as reason to place non public information without my written instructions on my consumer report is against federal law and violates my privacy. In addition, the reporting of this account also violates 15 USC 1681i as this account is being furnished both inaccurate and incomplete. EXPERIAN has violated my consumer rights by reporting personal nonpublic information that belongs to me.I DID NOT give EXPERIAN written instructions at any time to report The following XXXX  XXXX. account. This account is being reported on my consumer report without my written instructions. The CFPB XXXX  prohibits abusive and deceptive behavior in accordance with federal law. Please see the attached invoice and affidavits for the following Violations.
Consumer complaint received 2020-04-25
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. (FL)

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE PUT A GREAT DEED OF HARDSHIP ON MY CREDIT. I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S WRONG DOING AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE BEEN ABLE TO OBTAIN THESE ACCOUNTS WITH MY PERSONAL INFORMATION. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.
Consumer complaint received 2022-09-12
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: CITIBANK, N.A. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, BANK XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Certegy Holdings, LLC (GA)

I wrote a check at a XXXX XXXX and my check was declined. 
Date XX/XX/20 Control number XXXX I have written checks their before in the past. I don't write many checks. 
The amount was XXXX, they run the check and it went in the machine and stated it was declined, twice. I called with the account on the receipt to find out why it was declined. 
I entered all the information that was requested. I could not get a answer it would have to mailed to home address. 
I read the info and it stated under reason Not Authorized - reason below 04 A paragraph that does not explain the reason for declining. 
Also the following paragraph Shows no information on file.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (ND)

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.

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 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

started an account with Equifax at My Equifax I'm able to log in and get a message to give them a call the system says I'm not am to verify my info I sent them a copy of my paystub current bill and driver license I received my credit report and started a dispute. with a third party dispute results says items do not appear on my report yet they do. 
I can't get them to talk to me even tho I have confirmed my account details. 

Seems they want to keep negative items on my report
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I sent a letter to the credit agencies to requesting that my credit report be reviewed and to have the negative accounts with XXXX XXXX removed becuase they are duplicate account. I was told that it would be investigated and within 30 days it should be updsted. 

The 30 days went by and i rerquested my credit report and the duplicate accounts still remain and they are breaking all kind of consumer laws by reporting inaccurate information such as.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1666b - Timing of payments
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: One Source Technology (TX)

on my consumer report there is only 1 item and it is 30 years old iam requesting that it be removed ... charge was XX/XX/1996 22years old XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx. 
XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Height : XXXX '' Weight : XXXX lbs Hair : XXXX Eyes : XXXX Alias ( es ) : XXXX XXXX XXXX - DOB : XXXX XXXX XXXX XXXX - DOB : XXXX XXXX XXXX XXXX - DOB : XXXX CASE SUMMARY Case # File Date Court Type Case Disposition Disposition Date XXXX n/a COMBINED n/a n/a Offense ( s ) Offense Date Level Offense Disposition Disposition Date XXXX XXXX XXXX XXXX XXXX XXXX n/a XXXX CONVICTED - LESSER CHARGE XX/XX/1996 CASE DETAILS Supplemental Information : Originating Agency : XXXX XXXX PD Case Notes : CAUSE NUMBER : XXXX OFFENSE - XXXX XXXX/ XXXX XXXX XXXX XXXX ( XXXX ) DEGREE : XXXX Sentence/Fine Information Sentence Date : XX/XX/1996 Note : AGENCY : XXXX Supplemental Information Statute : 38.15 ( a ) Code : XXXX  Date XXXX : XX/XX/1996 Plea : XXXX Process Information Trial : Offense : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plea : XXXX Disposition : XXXX
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have requested a method of verification from XXXX  TransUnion XXXX on 3 Collection account bureaus refuse to deliver the message it is my right the account has been sold and paid for sale of the vehicle and XXXX XXXX does not have me in their system the information is an accurate on my credit report and Bureaus refused to remove the information or send requested METHOD OF VERIFICATION. 
ITS ILLEGAL AND THEY ARE NIT IN COMPLIANCE.. 
THANK YOU
Consumer complaint received 2021-03-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (MA)

I feel like I was treated unfairly with regards to my credit. I have worked very hard over the years to build and keep good credit only to have it slashed significantly in one day. I contacted several card companies pleading with them but to no avail. Ive never missed payment with these companies but they chose to decrease my credit limit thus impacting my score significantly. I feel very wrongly and unfairly treated.
Consumer complaint received 2016-07-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC (NY)

I made a purchased using my rushcard debit card on XXXX yesterday XX/XX/2016 for the amount of {$500.00} which was canceled the same day. XXXX assured me and also provided proof that my transaction was canceled and I was not charged. I received a txt alert from Rush card that the amount has been withdrawn. When I called Rushcard customer service & also spoke to a supervisor they have my $ on hold and waiting on authorization from the bank. I have been given the run around and each agent says a different story. I have provided Rushcard with the email that was sent to me by XXXX stating that the charged was cancelled. Rushcard is hold my money for up to 10 days even though they have proof.
Consumer complaint received 2015-04-09
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (PA)

I leased a 2015 XXXX XXXX in XXXX 2015. The dealer provided financing through Kia Motors Finance ( KMFUSA.com ). I received a XXXX statement in the last week of the month with a due date of XXXX XXXX and promptly paid it. As with all credit accounts, I expect a monthly paper statement to show transactions, interest, etc. and make the next due payment with a personal check via XXXX. I did not receive a XXXX statement for the XXXX. XXXX due date. Without the statement reminder, I did not make a payment. Later in the month they called to complain the account was delinquent and confirmed their system never issued a monthly statement. I offered to make the account whole by providing a credit card payment via phone. They said they could not accept that form of payment, but I could give them a debit card, or my checking account data. I do not own a debit card and do not carry my checkbook with me. I mailed a payment on XXXX. XXXX. On XXXX. XXXX, a XXXX. statement arrived with an XX/XX/XXXX due date. That payment went in the mail the next day. But I did not recognize a {$20.00} late fee or pay it. When contacted, the KMFUSA said that I should have known by the terms of my lease that a payment is due every month on the XXXX and it should be made whether I get a statement or not! That 's XXXX poor customer service. As a best business practice what financing arm expects payments every month without delivering statements?!?!? Is there any consumer financial protection that they are required to provide a statement so I can tear off the remittance coupon, include my check and mail it back to them?
Consumer complaint received 2021-09-13
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. (MI)

I sent letter to the credit bureau requesting info on a bankruptcy that was on my report. I ask for the source. Their response was XXXX XXXX. I proceed to XXXX XXXX, they deleted the bankruptcy from my credit report. So, then I sent another letter to credit bureau with a copy of the deletion. They didn't reinvestingation the credit bureau just stated that it was verified. But it can't be verified thru XXXX XXXX or the court hous.
Consumer complaint received 2017-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (GA)

I have filed a previous claim against Amazon/Chase Bank. It was XXXX. It was for XXXX credit card applications in my name that showed as credit inquiries on my credit report. I did not submit any of these applications. I have since submitted a police report and placed 7 year freezes on my credit with all agencies. There were 11th and 12th applications that sneaked in before the freeze took hold. All XXXX inquiries have been removed from credit reports. However, I continue to receive credit application letters from Amazon/Chase. I have now received XXXX applications. The last 7 letters all state they can not process the application due to the credit freeze. Although I no longer have to worry about my credit, this is still a form of harassment. Amazon/Chase refuse to do anything to create an opt out list to prevent further applications. There is a very long blog on Amazon 's website complaining about this exact same problem. I think it is past time for the government to step in. I 'm uploading one of the letters. They are all the same or very similar. The reference numbers of the letters since the last complaint are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (GA)

I noticed a hard inquiry on my credit report at XXXX from XXXX/MILESTONE ( Bank ) on XX/XX/year>, I called them the next morning to let them know it was unauthorized and I never applied for a credit card through them. They took my information and said they would start an investigation here we are in XXXX no investigation was ever done and hard inquiry is still on my report.
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

I called the us bank to make sure they are not charging me late fee 's. 
Under the SEC. 4021. CREDIT PROTECTION DURING COVID19, IT CLEARLY STATES THAT they can not charge me lates. 
when i called they say that i have been late and they are going to report it as a collection my credit report. 
They are not suppose to do this under this national emergency. 
They told me that they dont know the law and are acting stupid.
Consumer complaint received 2020-07-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: P.S.C., Inc (WA)

PSC Inc attempts to collect a utility bill outside statute of limitations. Washington statute of limitations debt RCW 4.16. 040 Continued attempt to collect on debt Notified PSC Inc of statute on XXXX/XXXX/2020. Tracking number XXXXXXXX XXXX Requested they cease collection attempts, to notify any subsequent collection company they transfer said debt to in the future of RCW 4.16. 040 and to cease reporting this debt to the credit bureaus. 
I received Notice of Attempt To Collect A Debt letter from PSC Inc. mail date of XXXX/XXXX/2020 continuing their actions. 
PSC Inc is continuing to report this debt weekly to the credit bureaus further damaging my credit for a debt that is outside RCW 4.16. 040 Spoke with XXXX  at your office, operator ID XXXX on XXXX/XXXX/2020 and was unable to assist.