davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Karma (DC)

I have an account with credit karma. On credit karma, it's showing I have a lot of hard hits for serval loans : " XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX ''. I've NEVER taken out a loan. I'm trying to get this fixed. How do I get this fixed? What are the steps I need to do?
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TD BANK US HOLDING COMPANY (NY)

Target reported a change of address on my credit report which is not true. I called them numerous times which I was told by XX/XX/2021 it would be corrected as well they sent me a letter letting me know it would be corrected. Till this day its still on my credit report.
Consumer complaint received 2019-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT WORLD SERVICES, INC. (KS)

Credit World had placed a account on my XXXX report and according to Credit World has made five attempts at getting this account removed as it has been discharged in bankruptcy. Credit World it is negligence on XXXX XXXX part that it has not been removed efforts according to Creit World began in XX/XX/2018 and the account still shows active. THIS NEEDS TO BE REMOVED IMMEDIATELY
Consumer complaint received 2023-01-31
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. (TX)

I have tried numerous amount of times to have my information updated and it is still incorrect. As well as following through and contact merchants to ensure that accounts are in good status and payments have been made, but the bureau is reporting them as delinquent and incorrect. I have even paid money to get things fixed and corrected yet my information is not and may have actually been leaked for fraud.
Consumer complaint received 2021-01-24
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. (VA)

i pulled my equifax credit report come to found out i see alot of inquiries that i did not approved for someone to run my credit i have sent a POLICE report to equifax about this matter and i did not recive the outcome that i was looking for its my right to dispute FRUAD accounts on my credit repot here are all the inquiries ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Factor trust.. These are all FRAUD inquires that i did not approve EQUIFAX is playing games with life by keeping thses accounts on my credit i will like them to be remove ASAP
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

This is a credit reporting agency complaint against Experian, # XXXX. I have tried several times to complete an online dispute and to update my 100-word personal statement. I am entitled to submit my personal statement, and have it provided to all who may request my credit report. This is my personal statement I wish to have placed in my credit report : " My ID was stolen, in two security breaches. Found on the dark web, my XXXX XXXX XXXX cards were used without authority. XXXX XXXX XXXX were notified, provided copies of law enforcement reports obtained. I disputed the accuracy & completeness of XXXX XXXX XXXX adverse information they reported to the three credit reporting agencies. Each agency gave notice to XXXX XXXX XXXX, as adverse information furnisher. XXXX XXXX XXXX failed to, conduct a reasonable investigation of each dispute ; review all relevant information ; modify, delete, or permanently block the reporting of 5 items of adverse information. '' Item 2 : XXXX XXXX, XXXX, is being misreported. The balance is over-reported by more than {$2000.00}. Item 3 : XXXX XXXX, XXXX, is not being reported. Experian is providing this account information to some associates and not to other. This account should be verified and placed on my report. Item 4 : XXXX XXXX XXXX XXXX, is being misreported. The balance is over-reported by {$1600.00}.
Consumer complaint received 2020-09-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (HI)

I received an email from Chime Bank saying that they closed my account for suspicious activities they never disclosed what these suspicious activities were and I have not been able to get in touch with a live human I only received automated responses and I don't have any access to any of my funds and we're in the middle of a pandemic and that's my only source of income and I don't have access to finances because they closed my account
Consumer complaint received 2018-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Coinbase, Inc. ()

XX/XX/XXXX I made a {$100.00} purchase from Coinbase.com They debited my card {$100.00}, then hours later another {$100.00}, which was unauthorized. 

Then last night XX/XX/XXXX another {$100.00} was removed from my card, I did not authorize this transaction. 

The incident on the XXXX caused three missed payments and an NSF fee from my bank of {$140.00}. 

I have canceled my credit card for fear of another unauthorized purchase. 

I contacted coinbase with multiple case numbers XXXX XXXX + XXXX + XXXX, and today for the {$100.00} case number XXXX. I have made 3 phonecalls to their support, but all they do is write up an email and send it to another level of email support, whomhave not contacted me back.
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC (TN)

EQUIANT FINANCIAL SVCS XXXX - This account is not authorized and is therefore fraudulent. I only agreed to in-house financing and not third party loans. My information was provided to this company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft. I have requested verification of this account. This has not only caused us much financial hardships, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2021-02-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc. (IL)

This company Consumer Portfolio Services has been ripping people of and preying on people with bad or no credit. They manage a subprime lending group to finance individuals in need of autos so they can deal with dealerships that sell used cars and then they get funds from the sale of the cars along with the dealer. I have a loan with them and was told that it is a simple interest loan with more interest going toward the payment than on to the principal. Most individuals are upside down on the loan because of the interest being so high and it is ridiculous. They also charge an extra 12 dollars just to use a debit card or electronic check unless you use their service XXXX that is located in stores such as XXXX, or XXXX XXXX and it has to be cash to use these services. I am also inquiring about how the manage to put my account in arrears a few months ago when they told me that since the car stayed broken down that they would put 2 of my payments toward the end of the contract. They are ripping poor people off.
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MA)

Today XX/XX/XXXX XXXX XXXX  notified me that care credit had closed my account. I called spoke to a woman who said sorry I don't know the problem you will get a letter in up to 20 days, I said no I want to know why now. She said it was closed due to none payment. I said how is that when I am never late and sometimes pay twice a month. She said she was not sure it's just what it is. I said I want to speak to a manager. Manager said the account is closed do to late payments on other cards ( not true, I have 100 % good payment history ) and one returned payment. I told her this was the first time, something came out of my bank unexpectedly and also that it was not a regular payment for this month it was a second. I said also I can not pay my card because I can't get on the website or app to pay, she said it was to bad because interest fees will accumulate and credit will get ruined further for non payment. 
She said the account is closed nothing she can do. I told her I will report this. They ruined my hard work on bringing up my credit. This should not be allowed.
Consumer complaint received 2023-01-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Couch Lambert LLC (LA)

FAILED TO VEFIFY DEBT WHEN REQUESTED In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX, XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 USC 1692g Section 809 If the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor.
Consumer complaint received 2022-05-01
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: Bridgecrest Acceptance Corporation (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

Account opened XX/XX/XXXX Estimated date of last payment XX/XX/XXXX As of XX/XX/XXXX the principal amount of {$11000.00} had been paid, remaining Principal Balance {$620.00}. Amount Due of {$140.00} Due on XX/XX/XXXX. 

As of XX/XX/XXXX the principal amount of XXXX had been paid, leaving a remaining balance of {$0.00}. Amount Due of XXXX. Due now. 

As of XX/XX/XXXX the was reporting payment overdue. Total amount Due. 

As of XX/XX/XXXX Total amount due is {$0.00} The full balance was paid in full as of XXXX. I was never late on any payments. I called to check the status on my title and was told I had a balance due of {$130.00}. I ask for them to mail me out a Invoice to reflect the amount due, this was agreed upon, so I waited and waited and waited, nothing was ever sent. I called over 20 times to figure the balance and to get something in writing, with no resolution. Why would I pay the loan completely off to then start missing payments, this doesn't make any sense. 

As of XXXX XXXX as 60 day past due alert was given and said that I owed {$300.00} pay by XX/XX/XXXX. I simply ask for a bill or something explaining this amount, but I was told there was not anything they could provide to me in writing. I expressed my concerns and ask if it could be something unofficial but I was never provided anything in writing and I was ask to pay the amount and dispute it later. I made a payment of {$130.00} on XX/XX/XXXX. My credit dropped XXXX points as a result of this.
Consumer complaint received 2024-02-27
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 Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number: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 2023-06-06
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Strategic Alliances, Inc. (NJ)

I received notice from XXXXXXXX XXXX XXXXXXXX regarding a debt that I did not recognize and filed an identity theft case with FTC on the identity theft website and sent a letter of validation to XXXXXXXX XXXX XXXXXXXX on XX/XX/2022. On XX/XX/2022 they requested a default judgment and did not comply with my letter within 5 days and continued to collect the debt and sue me. I did not receive any validation so I sent a second letter of validation dated XX/XX/2022 and specifically stated that they should send me everything in writing and to stop all phone calls. XXXXXXXX XXXX XXXX continued with the case and filed for a summary judgment on XX/XX/2022. On XX/XX/2022 they continued to call my phone and left a voicemail message to call them which violated my cease and desist letter regarding phone calls. On XX/XX/2022 I received a notification from XXXXXXXX XXXX XXXX which included information about the debt which I disagree with so I filed an objection to the summary judgment on XX/XX/2022 and oral arguments will be heard on XX/XX/2022.
Consumer complaint received 2020-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (MO)

I opened a BMO Harris Smart Advantage Account and a Platinum Money Market Account in XXXX, XXXX via a promotional offer that promised 1 : {$400.00} for opening the Smart Advantage Account and having direct deposits totaling {$6000.00} within 120 days of opening, enroll in digital banking, and have 10 transactions posted to the account within 120 days. 

2 : Earn 2.05 % Annual Percentage Yield ( APY ) when you open a Platinum Money Market account with at least {$5000.00}. 

3 : Get {$100.00} bonus just for opening a checking account and a Platinum Money Market account. You must open the PMM within 30 days of opening the personal checking account. 

I'm having two issues. 

1. I did all three above, and recieved the {$400.00} bonus on XX/XX/XXXX. I have yet to receive the additional {$100.00}. I have sent numerous messages to BMO Harris. I was assured at one point that I would get it by XX/XX/XXXX. Once that didn't happen, I sent a message on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All with NO response. 

2. My second issue is I believe their offer of a higher APY was a bait and switch, as I earned 1.91 % on my XX/XX/XXXX statement, 1.81 % on my XX/XX/XXXX statement, 1.70 % on my XX/XX/XXXX statement, .53 % on my XX/XX/XXXX statement, and .25 % on my XX/XX/XXXX statement. I understand that they have the " right '' to lower APY, but  this was deceptive of them. 

I have a copy of the language that I had possession of when I signed up for the accounts. BMO sent me DIFFERENT language when trying to get out of paying me the additional interest.
Consumer complaint received 2022-05-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Exeter Finance, LLC. (FL)

I cosigned for a loan with my daughter in XX/XX/XXXX with Exeter Finance LLC and unfortunately she had to let the car go back in XXXX due to her having problems with her XXXX. The loan has been closed for over 6 years and this company is still reporting on my credit that we still owe them. They have reported this as a charge off and profit and loss debt on my credit report and they are continuing to sell my information to other debt collectors. I have attempted to call them to discuss the matter but they will not remove it from my credit report. I know after 7 years it suppose to fall off but this is really hurting my credit rating. Please help if you can. Thank you for your time.
Consumer complaint received 2018-02-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: STATE EMPLOYEES CREDIT UNION (NC)

Car repossed by SECU on XX/XX/XXXX called on XX/XX/XXXX to see whats needed to return car. Was told {$440.00} past due plus {$75.00} repossesion fee and proof of insurance. XXXX minutes later got a call from same branch saying i had to pay full amount of {$18000.00} to get car back.
Consumer complaint received 2018-02-15
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSWORLD SYSTEMS INC (NY)

I took out a loan from XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. A few years later the debt was sold to XXXX XXXX XXXX XXXX for being in default. After they threatened to sue me and garnish my wages we came to an agreement and I have been paying {$170.00} per month for about 2 years now every month ON TIME. It is now XX/XX/XXXX and I have not received a XXXX form for the interest that I am owed. The law firm says I must contact XXXX XXXX for this but I have tried several times and left messages and no one has responded. I immediately request a XX/XX/XXXX XXXX.
Consumer complaint received 2022-05-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ragan & Ragan, PC (NJ)

I received notice from Ragan and Ragan regarding a debt that I did not recognize and filed an identity theft case with FTC on the identity theft website and sent a letter of validation to Ragan & Ragan on XX/XX/2022. On XX/XX/2022 they requested a default judgment and did not comply with my letter within 5 days and continued to collect the debt and sue me. I did not receive any validation so I sent a second letter of validation dated XX/XX/2022 and specifically stated that they should send me everything in writing and to stop all phone calls. Ragan & Ragan continued with the case and filed for a summary judgment on XX/XX/2022. On XX/XX/2022 they continued to call my phone and left a voicemail message to call them which violated my cease and desist letter regarding phone calls. On XX/XX/2022 I received a notification from Ragan and Ragan which included information about the debt which I disagree with so I filed an objection to the summary judgment on XX/XX/2022 and oral arguments will be heard on XX/XX/2022.
Consumer complaint received 2023-06-06
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. (CA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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