davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I contacted BoA/XXXX in XXXX, 2017 to resolve an ongoing credit card dispute with XXXX XXXX in the amount of {$490.00}. ( services not provided ) XXXX XXXX continually over charged me for services they double charded me for. After several months with no satisfaction, BoA/XXXX contacted me by phone today and informed me that BoA could not help me and would not refund the charges. I informed BoA I would contact the CFPB and the Atty Gen. office to help resolve this dispute.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account Name XXXX XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2020-09-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i having trouble using my card im days away from being XXXX  and recently just got over symtoms of XXXX  i can barley use card without them restricting it this is the 3rd time ive tryed to resolve this with them they told me to transfer my money to other bank and when i tryed they placed a hold on my account again im tired of this
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Someone had tried opening a credit card with multiple banks in my name. I contacted Capital One to which they said they will do an investigation. An investigation concluded and a letter was send. The letter said ( paraphrasing here ) that the attempt to open up the credit card was fraudulent and that they would inform all 3 credit bureaus. The letter I received is in the ATTACHED document section. 

Unfortunately, XXXX  has told me that they never received anything from Capital one and that they would need an electronic message sent over to them in order for XXXX  to remove the inquiry off of my account. Around 3 and a half weeks ago or so I sent a letter to Capital One, asking them to ELECTRONICALLY resend the original letter that was sent over to me in XXXX to XXXX. I have not received anything yet from Capital One confirming that they have sent anything out or that they even received my letter.
Consumer complaint received 2018-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (CA)

I just found out in the month of XX/XX/XXXX that their is a lien on my property from an account from Discover Bank since XX/XX/XXXX which is 9 years old. 

I have a homestead on my property which does not allow a lien unless it is a mechanics lien, which means part of a home improvement. 

A credit card is not a home improvement loan that can put a lien on my property. 

A normal credit card would generally be off my credit report within 7 years. 

I don't know how Discover Bank was allowed to receive a Judgment and lien on my personal home ( resident ) as I don't remember ever having a Discover Card. 

This was done illegally through deception of a Judgment. I understand a credit card can get a judgment. But not a lien on personal property. 

I don't remember ever having a Discover Card. This account is not mine.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX
Consumer complaint received 2021-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Upon Checking my Credit report to purchase a house I was informed that I had an abundance of unknown inquiries on my report from companies that I never permitted to inquire about my credit. The reporting agency that is reporting this error in information is XXXX XXXX and Trans Union. This report is very inaccurate and is a detriment to my livelihood on obtaining a place to live and function in this society and striving especially during this covid-19 crisis. I don't recognize any of these lenders nor did I permit any of them to access my credit on any occasion.
Consumer complaint received 2018-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (SC)

I'm sure your getting tons of these but please see the attachment as they are double charges by Coinbase : I made 3 purchase betweenXX/XX/XXXX-XX/XX/XXXX and was charge for those at that time but received those same charges today again for the same amounts causing my account to be over drafted. see attached for charges.
Consumer complaint received 2021-01-04
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: Experian Information Solutions Inc. (GA)

) I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2020-01-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have sent multiple letters to equifax, XXXX, XXXX  and have also disputed this collection account by the name of XXXX XXXX online and have not been able to delete this account which i have no knowledge of or no contract with. This account XXXX XXXX has multiple errors reporting as well which ive stated to them before
Consumer complaint received 2018-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

I have tried multiple times to pay more principal on my loan but they just apply it to interested no matter how I specify it. I got so sick of trying to do it that I gave up and just pay the monthly amount. 

Also the math on my history and statement just doesn't add up. No matter how I try I cant get the statements to line up on ending balance. 

Lastly I am a stay at home mom. I have XXXX income. I cant change loan providers even if I wanted to.
Consumer complaint received 2021-02-22
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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

N/a There are car places that sell u lemons an double charge u also after they reposes the car which is all they want they turn a round an an charge you on your credit which is very unfair also there are so many inquiries that I have not made an they are still on my file which has been demanded to be clear and that should be removed ASAP as if form of payment if payments was due they would want it diligently when my file has been in identify theft since the breach 2016 I have not inquired about anything nor should I be in XXXX XXXX  which is all not for the people
Consumer complaint received 2023-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

I got my tax federal refund amount of XXXX deposit into my cash app account i went ahead and cashed of the whole XXXX to my XXXX account but the daily limit deposit is XXXX i did not know that so my bank rejected the instant deposit now cash app wont give me my money and the same thing happens to me XXXX weeks ago with XXXX dollars and still havnt gotten my money back they said the instant deposit was completed but i told them it was sent back now noone will answer my calls or take my evidence
Consumer complaint received 2021-01-04
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: Experian Information Solutions Inc. (FL)

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-07-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NC)

Resurgent reached out to me Frist in XXXX of XXXX about a debt they had purchased from XXXX  XXXX XXXX  in XXXX of XXXX XXXX XXXX had notified me in XXXX of XXXX of the sale of the debt. I reached out to Resurgent via the number provided by XXXX XXXX and got no response in relation to the debt. Resurgent Failed to take over the debt, verify the debt or contact me in any way shape or form for 6 months. Way over the allowed timeline. 

In addition to this up until XXXX of XXXX XXXX  XXXX was still reporting to the credit bureau and Resurgent had not reported that they were the owners of the debt in question. Resurgent just now report the debt to the credit bureau as past due in XXXX of XXXX almost a Full year after their purchase of the debt. 

Resurgent actively denied my rights to dispute the debt within an timely manner and were unresponsive. They did not follow proper procedure and did not report accurately to the credit bureaus. 

Credit one also did not properly protect my information as a client and sold my email to Resurgent. I never gave authorization to XXXX  XXXX to misuse my information and Resurgent never verified how they received this information Attached you will see the credit report from XXXX  showing this account was not reported Till XXXX of XXXX. 

You will also see the email from Resurgent date XX/XX/XXXX and them stating they have owned this account since XXXX of XXXX.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: South Mississippi Collection Services Inc. (MS)

i started my letters with SOUTH MISSISSIPPI COLLECTION ON XXXX XXXX asking for the validity of debt about these alleged debts of XXXX, {$150.00} that i don't owe.they never sent me the information that i requested, so i sent another letter on XXXX XXXX asking for more information that i never received.they have violated the 30 days to respond to the consumer and these inaccurate and incomplete items should be deleted ASAP before i turn this matter over to my attorney.XXXX XXXX XXXX sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debts of {$550.00} and XXXX they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, SOUTH MISSISSIPPI COLLECTIONS has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXX.attached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
Consumer complaint received 2021-02-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

XX/XX/2020 Coinbase I can't transfer my ETH cryptocurrency ( currently approx {$18000.00} ) from XXXX to XXXX in order to sell and settle my position to cash out. It's frozen. It keeps saying that I have NOT clicked APRROVE WITHDRAWAL on my co-signer email address which is a double security measure. I've received such email links on both e-addresses and verified, but it STILL shows pending approval. Coinbase is pocketing my money just like banks tend to do. The longer the process give more leverage for Coinbase to use. Bottomline, I can't retrieve my funds. In my opinion, it's as if it's been stolen from me, since they do not respond.
Consumer complaint received 2021-03-04
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. (NV)

creditor reported a energy bill of XXXX, I moved from the location after separating from my ex spouse and had my service disconnected and changed to another address. Somehow the creditor was unable to collect from my spouse who walked away from the house and never disconnected the service and they then attached his bill to my bill. I have explained this to them several times. How is a utility company able to let a bill constantly increase without disconnecting the service to become this high.
Consumer complaint received 2020-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$28000.00}, {$0.00}, {$54.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54.00} -This is not my account.
Consumer complaint received 2021-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NJ)

I recieved a letter from American Express dated XX/XX/XXXX that stated, " We are writing to inform you that after a recent review of your American Express account referenced above, we have cancelled the account because it was not being used for its intended purpose. '' This letter came after I was called by an American Express representative stating that my account was to be cancelled, which I thought it was a " scam '' call. I contacted American Express and they told me that indeed my card was cancelled, but they could not tell me why and could not put me in touch with anyone that could do so. I have been a cardholder since XXXX and I have never had any problems or issues associated with this account. 

My wife and I are currently in a Covid19 mortgage forbearance with XXXX XXXX and my wife 's career has been affected by the Covid 19 virus. She is currently collecting XXXX. We also recieve XXXX benefits and XXXX. We pay all of our bills on time and have above average credit rating. The cancellation of my American Express card will affect my credit rating, as I have had this card for over 16 years. I feel they are being evasive and lack transparency in their communication regarding this matter. I can only assume this may be related to our current Covid19 related forbearance and our participation in public assistance programs.
Consumer complaint received 2021-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (MN)

XX/XX/XXXX I received a letter from a Debt Collection agency stating the I owed XXXX {$44.00} I never received a bill for this, but I went ahead a paid the Debt collection agency EOS They sent me letter stating that the debt was paid & XXXX was paid on XX/XX/XXXX I received another letter from a different debt collection agency stating that I still owed {$44.00} to XXXX I contacted XXXX and they claim the EOS never paid them even though EOS sent me a letter stating that they had
Consumer complaint received 2018-03-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (GA)

Spoke with Hunter Warfield company on XX/XX/XXXX. Who is a debt collector for apartments. I was told today that the original amount ( {$2500.00} ) accrued interest and a higher amount ( {$3700.00} ) is being collected due to federal and state debt collection laws. I spoke with my attorney and they advised no interest can be accrued on accounts that are not loans or from a financial institution. Which in my case this I'd definitely not a loan of any sorts. The Georgia State law does not state anything like that. This debt is 5 years old and has not changed in amounts until XX/XX/XXXX. 
The company is lying and I refuse to pay an amount higher than what is owed.
Consumer complaint received 2021-01-03
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. (NC)

To Whom It May Concern : I am writing to correct my personal information on file with your company. 

Please correct my address to : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Please correct my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses from my report, as they are not deliverable to me by the U.S.P.S., and they are not reportable as per the FCRA, since they are inaccurate. I have sent this to Experian, XXXX, and XXXX  several times and they are still reporting inaccurate addresses. 

Sincerely, XXXX XXXX XXXX