davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (CA)

XX/XX/2024, XXXX XXXX Pacific Daylight time someone accessed my Credit Karma account from an unknown device. They then changed the email address connected with the account to be ( XXXX ) an email that does not belong to me. They then attempted to spend money but the funds were too low for the amount they tried to spend. They then moved money from my Credit Karma Save account ( {$35000.00} ) to the Credit Karma Spend account and opened up multiple virtual debit cards and making XXXX transactions ( using different virtual debit cards ) of {$4900.00} ( {$34000.00} ) which also accrued an international card fee of {$49.00} per transaction ( {$340.00} ) totaling a loss of {$34000.00} not authorized by me and in current dispute of the transactions. I attempted to make a withdrawal to save what money was left from the attack, but the attacker canceled that transaction and continued. When noticing the first fraudulent charges I attempted to call Credit Karma 's member support team but they stated that they can not assist me as the transactions were in pending and may not go through. Later in the day, the transactions went through. When these fraudulent purchases were made, my email associated with the Credit Karma account that was changed, received a spam attack in order to prevent me from accessing any proper emails being sent in an attempt to change information and restore access to my Credit Karma account. I have now since regained access and control to my account but as a preventative measure Credit Karma, only after the attack, has frozen the account.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KS)

I have a collection account being reported from XXXX XXXX XXXX for {$260.00} that is over 3 years old. I have two issues with this. First, my insurance should have paid more on this debt. Second, this debt is over three years old putting it outside the Kansas Statute of Limitation, which means XXXX XXXX XXXX is attempting to force me to pay this disputed debt by wrongfully reporting the item to my credit bureau as a means of extorting me. 
This account is disputed and is not owed. XXXX XXXX XXXX knows this, and yet has not followed their requirements to show this disputed as required by the Fair Credit Reporting Act. 
XXXX  XXXX  XXXX  must immediately remove the account from my credit bureau or I intend on filing suit as per my attorneys advice I have rights under the Fair Credit Reporting Act.
Consumer complaint received 2019-08-14
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. (IN)

The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX  XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX
Consumer complaint received 2017-12-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

XXXX XXXX 2017 Coinbase enables BitcoinCash trading. The price of the coin was moving up before the announcement. 4 days prior to that Coinbase listed a road map that stated Bitcoin Cash would be available for withdraw only. I was not able to sell my Coins because Coinbase did not enable me or other Customers. The site was down and it is still down. There was no prior notice of this action. The price rose as high as {$9000.00} before crashing to {$3200.00}. But prior to this the price moved up before they even announced it. I feel many users n this exchange have been defrauded by the actions of Coinbase. They have listed a policy of employees trading but there is more substantial evidence that Coinbase is acting to mislead its customers. I want to know why they listed this at a minutes notice. I want to know why it was being promoted heavily and even XXXX XXXX  calling Bitcoin Cash Bitcoin. I also feel listing 2 similar names to be confusing to some. Coinbase has not answered any question of this and I feel they coordinated to collide with others at the expense of their customers. I feel Coinbase is using deceptive practices. I feel Coinbase is using predatory actions and not being truthful with their customers
Consumer complaint received 2021-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

The problem is with NewRez C/O XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX on my account no. XXXX, their case # XXXX. My name is XXXX XXXX. I sold my home on XX/XX/XXXX XXXX the mortgage is paid in full ) and at closing I had to pay Real Estate Taxes in the amount of {$3900.00}. NewRez had also paid the same amount to XXXX XXXX in XXXX NC, and as such, the payment was duplicated. I had contacted the XXXX XXXX XXXX XXXX and they had informed me that they had returned {$3900.00} in XXXX of XXXX to New Rez. Therefore, NewRez owes me {$3900.00} as a refund of my duplicate escrow tax payment. I had initiated the inquiry to NewRez on XX/XX/XXXX and the matter never got resolved. I then wrote a letter to their CEO, Mr. XXXX XXXX on XX/XX/XXXX complaining about the lack of response on my refund. They send me a letter on XX/XX/XXXX acknowledging that I was due my refund but to date my refund has not been received.I am tired of waiting on them for my refund. To me this should have been resolved a long time ago. Why should I have to wait 6 months for this to be resolved?
Consumer complaint received 2019-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PNC Bank N.A. (NJ)

I have been on PNC for months about never crediting my Cash Rewards Visa Signature Credit Card with the welcome bonus for new customers in return for spending a certain amount after 3 months, which was being advertised during the time I signed up. The last agent I spoke with from Customer Service told me there is no record of you ever having that promotion during that time and I would need to show proof. That is absolutely ridiculous!! First of all, what does she mean there is no record?? The promotion was going on at that time, I can assure you. My girlfriend pointed it out to me and reminded me a numerous amount of times to spend a certain amount in order to get that bonus. Do they not have record of their own promotions?? Second, who has proof of something like that unless they thought to take a screenshot?? If we knew that PNC was going to try to screw me over and not give me my bonus as promised, one of us would definitely have screenshotted it. But attached are reviews of what other customers were saying PNC had going on around the same time I opened my account with them. 

Please note if PNC tries to contact me their attempt will be disregarded. I have already spent a total of an hour on the phone with them several times over this matter. They need to just put the credit on my account!
Consumer complaint received 2020-11-04
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: Experian Information Solutions Inc. (NC)

Went online to unfreeze my report and filled out all the information correctly and it keeps saying I have missing information and does nothing. 

Experian https : //www.experian.com/ncaconline/removefreeze I have had this problem before and the other agencies have corrected this and I unfroze them easily today. 

There is something wrong with their site and they still have not corrected it. 

They purposely make it difficult so you purchase their products.
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (NY)

I was in Macy 's Department Store on XX/XX/2021 shopping with my Macys Platinum card to buy a suit. When I went to pay for the Suit the cashier talked me into opening a Macys American Express Card. He explained that i would get a discount on the suit and that the Macys American Card I could use anywhere not just Macys. He said I would receive my new Macys American Express card in the mail along with the bill and the discount on it .. TodayI just received A New Macy 's Silver Card not a XXXX XXXX XXXX and no bill, Since I already have their Platinum card I have no use for the Silver Macys card. I called Macys about this and they told me that this happened because XXXX XXXX turned me down so they opened the Silver Macys card. Prior to my visit to Macys that day my credit score was XXXX. Now I did not ask for that Silver Macys card and I am sure it will affect my credit negatively. If XXXX XXXX turned me down they should have notified me and after that Macys should have asked me if i wanted the Silver card. Not take it upon themselves to open a Card I did not ask for. I put in a complaint with Macys i spoke with a supervisor ID # XXXX and she explained what happened but she could not change it that i would have to keep the card. I Have had a Macys card for 10 years and never had any problems with my credit. I was told that I was getting an Upgrade on My Macys Card To an XXXX XXXX card. I was Lied to.
Consumer complaint received 2017-12-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XX/XX/XXXX received a call from XXXX stating that I owed Capitol One {$1200.00} and change ;. This debt is past the statute of limitations. Person stated they would file a XXXX against me. I am XXXX so I file no taxes. Not certain how this would work. The company identified is XXXX XXXX XXXX XXXX, XXXX Address : XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2017-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (GA)

Hi I received explicit email from Best Buy Citi Bank credit card on XX/XX/XXXX offering me {XXXX0} in gift card if I spent over {XXXX} or more at the Best Buy store. I spent {XXXX} and waited paintely to receive the bonus offer. But I never did. I called in XX/XX/XXXX and was told it can take little more time. Finally called back today and was on phone with XXXX at XXXX XXXX and credit card to get to my {XXXX} gift card but no one knew what i was referring too. I offered over 5 different associates that I can forward the email I had received for This offer but no one listened. 
I finally decided to close my card but never actually wanted to close it if my initial issue was resolved. The closing department never read me the required disclosure to close my card. In fact when I called back supervisor XXXX confirmed too that I was going to call back later to close the card after I speak to rewards department. No where during our conversation I said YES I accept to close this card. No disclosures by law were to me and nor acknowledged either. Best Buy - Citi Bank handled this issue very poorly. 
When I called back few minutes later they denied to reopen the account stating they heard the call that I asked for Card to be closed. I politely begged to escalate the issue but no results. Most calls were to overseas employees which were in different in handling simple issue.
Consumer complaint received 2019-06-06
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. (NC)

After reviewing my report for the first time in years I noticed multiple accounts that I did not open or have knowledge of. I called in to the credit bureaus for help and was told to file a report and submit it with the proper identification to them.
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, XXXX and Equifax XXXX : XXXX : XXXX XXXX XXXX XXXX # : XXXX XXXX : XXXX XXXX XXXX XXXX  acc # : XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 

I dont believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : acc : XXXXXXXX XXXX XXXX  XXXX # : XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX # : XXXX After doing so please provide me with an updated credit report reflecting the changes. 


Thank you for your time, XXXX XXXX XXXX
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (DE)

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 name : XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX/XXXX  XXXX  Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX  Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2017-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Credit Network Inc (CA)

It came to my attention that FINANCIAL CREDIT NETWORK # XXXX in the amount of {$120.00} on XXXX 2016 has been reported that I owed. I have disputed this alleged debt that I have no knowledge and contract with XXXX. This report has harmed me and damaged my ability to obtain credit. I was never notified by XXXX about this alleged debt reported in error and inaccurate.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went bank rupt ten yrs ago no credit someone applied for credit in my name finally I got 3 little credits to build my score only to get sick but had ins on it they are closed now however I have some on their from XXXX up to XXXX till today it says that after 7 yrs its to come off 10 yrs if bankrupt its been 11 or 12 on bankruptcy im tryin g to buy a house and its killing it
Consumer complaint received 2022-04-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC (MN)

Dear reader, JFQ Lending sent me a several letters entitled " Report of Available Funds. '' The letters are designed to look as if funds are available to me from a government institution or a non-business entity. It is not clear in the letters that this is an advertisement to refinance. The letter also directs consumers to an individualized link, seemingly an FHA site, but that link is not secure. The fine print of a letter does explain that this is an " offer '' that is not approved by or affiliated with FHA, a government agency, etc. However, this fine print contradicts the look and feel of the letter itself. I recommend JFQ revisit their letter structure to make it more clear that this is a loan opportunity to ensure that people are not confused. I also recommend that JFQ ensure that any website links provided are secure and include their company name. 

Also, thank you for the work you do at CFPB!
Consumer complaint received 2021-05-04
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. (CA)

There are 4 accounts on my credit account that are not mine they do not belong to me in any way I do not shop I dont have any cards like that I have not signed or approved anything like that!!! 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 2021
Consumer complaint received 2017-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (WA)

the company is a debt buyer.XXXX XXXX in 2015 they purchased an account from XXXX XXXX. the account XXXX XXXX was fraudulently obtained by identity theft and the XXXX account has subsequently been removes from my credit report However XXXX XXXX Remains. I explained to XXXX XXXX i reported this to the ftc, multiple disputes with XXXX and XXXX only one dispute with XXXX  and it was removed with XXXX it still remains with XXXX and XXXX who agree the dispute is valid yet it still remains. If the originating account has been proved fraud and removed how is not the debt buyer of the fraudulent account. This is affecting every aspect of my life in a very bad way. It is unfair i feel as though they are strong-arming me. Again when the originating debt is proved fraudulent how is not this fraudulent as well.
Consumer complaint received 2020-12-08
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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts. I believe that i was victim of identity theft.
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (TX)

I've sent a previous dispute to LexisNexis for a bankruptcy that they said they've verified. Under the FCRA I sent them a " Procedure Request '' asking how they've verified this information. I received a letter from LexisNexis stating they couldn't verify my identity. 
Which I thought was strange seeing how I added a notary including my driver 's license and social security number ( including information on the procedure of request page confirming my identity as well. ) It seems as if LexisNexis is being non-compliant of the Federal laws. 
I added plenty of information for LexisNexis to carry out the " Procedure Request '' which I have a right to as the consumer to ask for this specific documentation. It's very clear that LexisNexis rejected my request. This is a violation of the FDCPA. 

Additionally ; LexisNexis stated they've verified this information ... How is this possible when the US Bankruptcy courts said 'THEY DO NOT VERIFY OR REPORT THIS INFORMATION WITH ANY OF THE CREDIT REPORTING AGENICES?
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (AL)

I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation under the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation. I WANT TO EDUCATE THE COMPANY THAT A CONTRACT OR ITEMIZED BILL/ STATEMENTS IS NOT A METHOD OF VERIFICATION AND PURSUANT TO 15 USC 1692G I AM THE ORIGINAL CREDITOR SO ONLY I CAN VALIDATE THIS ALLEGED DEBT AND I DONT VALIDATE THIS ALLEGED DEBT SO I NEED THIS ALLEGED DEBT REMOVED FROM MY CREDIT REPORT IMMEDIATELY OR I CAN SEEK MONETARY RELIEF FAILURE TO PAY WILL RESULT IN US JUST SETTLING THIS OUT IN COURT I HAVE THE LAW ON MY SIDE