davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
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. (NY)

XX/XX/2021 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX DEPT OF ED/XXXX  - XXXX XXXX Sincerely, XXXX XXXX
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (NC)

I received several offers from credit karma stating I was approved for a credit card. I never was approved and they did credit check, causing my score to go lower. They also provided incorrect credit score. Embarrassing to think your score has increased and it actually has not.
Consumer complaint received 2021-11-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (AZ)

I voluntarily turned in the vehicle couple years ago, I do not recall the exact date, I believe it was XXXX or XX/XX/XXXX. They sold the vehicle and sent me letter stating that I still owed $ XXXX, I do not recall exact amount however they did not supply accurate information to solidify the balance they said I owe. The account was charged off, however Ally continued to report negative status to all 3 credit bureaus which in turn has crippled me from being able to purchase a home. I've been renting and being faced with the owners either going through foreclosure or deciding to sale. Leaving me to have to figure out a new place to stay in a short amount of time. I really need to purchase a home and this item on my credit is causing lenders to steer away from approving a mortgage because of XXXX XXXX XXXX XXXX XXXX. When I tried calling Ally to request that they keep it as a Charge Off and not currently report a balance with a current date, as the lender requested I do. Ally just sent me to a collection agency.

A few months ago, I received a class action law suite notice that I'm affected by due to Ally sending improper notices to the consumers with inaccurate information. One of the Settlement Benefits is Credit Bureau Reporting. Ally will request within 120 days from final judgement that the three nationwide consumer reporting companies ( XXXX, XXXX, XXXX ) " delete trade-line information on my ( the consumers ) credit report related to my activity with Ally this is the subject of this case. '' The final judgment was on XX/XX/XXXX. The 120 days verbiage is at the bottom of page 15 on the Settlement Agreement document.

I am requesting that they submit the deletion trade-line information on my 3 credit reports now oppose to processing my on the 120th day since the court order ( judgement ) specifically says " within '' 120 days after the effective date. I can attach a copy of the Class Action Notice, Settlement Agreement, and Final Judgement. Also, this information is listed on : XXXX. 

The attached documents do not have my personal information on it. If that is needed in order for them to find me, I am willing to provide information needed to resolve this problem as soon as possible. 

Thank you
Consumer complaint received 2020-08-21
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. (TX)

There's a charge-off loan account from XXXX XXXX appearing on my credit report. I've never had an installment loan account with XXXX XXXX. Therefore, this account has to be a product of identity theft.
Consumer complaint received 2020-08-21
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. (TX)

There's a charge-off loan account from XXXX XXXX appearing on my credit report. I've never had an installment loan account with XXXX XXXX. Therefore, this account has to be a product of identity theft.
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

Coinbase has refused to communicate, provide updates, and maintain professional courtesy with me the customer. Not to mention the out right thievery of roughly XXXX usd. 

i had a transaction, namely an ach transfer fail, and of course needed to cover the outstanding balance of XXXX asap. i quickly funded my account via debit for the amount of XXXX and much much more. as i continued to make transactions i was notified i needed to make a payment manually, so i did using etherium. upon reviewing my account, coinbase not only took my XXXX payment but proceeded to take XXXX payments themselves without my authorization a total of 3 times. so for an outstanding balance of XXXX total of XXXX was paid. 

i raised multiple support tickets, all the while continuing in good faith with the company making transactions, but after weeks of no response to my inquiry, i began to worry. i sent tickets daily, and once i finally got a response they proceeded to block any further ability for me to reach them. email being the only way available, i was receiving blocked by recipient notifications. only way i could get a message across was via support tickets which they said only made the process take more time due to the sheer number of tickets. they notified me of the consolidation of my support tickets once i threatened to reach out to law enforcement. they notified me that a specialist was taking over my account and reviewing the situation. weeks later, i find an email stating my support thread has been resolved and closed and unable to be reopened. odd.. because i have yet to receive any resolution, explanation, or restitution. 

the whole mess started XXXX/XXXX  til now with no resolution. i dont know what to do.
Consumer complaint received 2020-07-20
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. (AR)

This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as posible.
Consumer complaint received 2018-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MS)

i disputed this account several times even sent them documentation stating that the debt was not mine, someone forge my signature on a document stating that I owe this money, I never sign any documents and the signature is lapsing over another signature. When I talk to the credit bureau they where really rude about it and will not dispute the item for me anymore. The amount showing I owe is for XXXX and XXXX for XXXX I am not pleased how my situation has been handle at all.
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Recovery Solutions, LLC (MD)

The loan that I have been sending money monthly was sold to this company XX/XX/2022 They started calling me all day all night. On XX/XX/2022 I talk to them, telling them that I was not working And he said well the amount you was sending the other company not gon na cut it with us! I was telling them that my husband was paying everything for me and I would see if he could send them more monthly and try to get a lump some together if he could get a loan. He was saying how about XXXX and I was saying Im not sure I would definitely talk to him and call you back.The he said hold on and the call was dropped.Then they started calling me again all times that night. And started again early morning.I called him back on Tuesday XX/XX/2022 to see if my husband could send a little more monthly while he applied for some loans to pay a lump sum, The guy started talking over me yelling this not how this works!!!! you just need to have your husband call me!! Good by!! Good by!!! And hung the phone up in my face .The company is Asset Recovery Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ill XXXX ph XXXX. The company I have been sending payments to was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ph XXXX here are my receipts
Consumer complaint received 2021-03-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MD)

My complaint with LVNV, a creditor, is that I never recieved and bills, statements or invoices from the original creditor which is XXXX XXXX XXXX. Apparently LVNV has bought the debt in question. 

I recieved a leeter in the mail from XXXX, XXXX, XXXX XXXX  XXXX, XXXX  which represents LVNV. They are demanding payment of {$1500.00}.
Consumer complaint received 2020-05-04
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: EQUIFAX, INC. (GA)

Several years ago I was a victim of identity theft. Numerous accounts were opened in my name, as well as attempts being made to apply for credit. Upon becoming aware of the situation, I reached out to all credit bureaus and alerted them of the situation. All fraudulent accounts were removed after my identity being stolen was validated but the credit bureau has refused, and not given an explanation, as to why my inquiries have not been removed.
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX   XXXX   charged me without my authorization for a plan / service I did not want. when I tried to get it cancelled and refunded at the store they refused saying it was too late and I had to wait to cancel.     I called the home office and they claimed they cancelled it for me.     a year later I get a letter from a collection agency.      1. We never asked for the service 2.   XXXX  assured us this would be resolved.
Consumer complaint received 2020-08-21
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX I was charged XXXX & XXXX from a merchant in XXXX TN, XXXX  by XXXX. Upon my check out Sunday morning I reviewed my CC charges with the general Manager XXXX. She was able to confirm that the charges on my Capital One card will be removed because I used my CC ending in XXXX XXXX XXXX. I was charged XXXX for my total from Friday XXXX. I disputed the charges with Capital One, provided proof of the charges on several occasions. I provided, the GM 's business card, signed documents provided by Capital One and the receipt showing the card I used. Both charges are still on my account despite my many attempts at calling & trying to resolve with them. I am frustrated because I am being charged interest on charges I DID NOT MAKE. I really need someone else to step in and help resolve this matter. I can submit any proof needed
Consumer complaint received 2021-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

After sending Validation to debt letters to collections, Ive yet to receive info back with the 30 day period. Which by law states that my disputed collections are removed from credit report. Also atttached below is a police report and fraud identification report. I also have letters from identitytheft.gov asking for all items to be removed. Attached also will be my forms of identity and proof of residence.I will be mailing these exact letters to Transunion.
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (CA)

The following documentation demonstrates that this third-party debt buyer is not reporting accurate information and is failing to report information correctly and therefore is violating the FDCPA and the Fair Credit Reporting Act. In addition, since the debt is from XXXX this account has passed the 7-year limit from date of charge-off under the Fair Credit Reporting Act [ 15 USC 1681c ( a ) ( 4 ) ] to report a collection account. However XXXX, XXXX and XXXX XXXX keeps reporting inaccurate, false information to all three credit bureaus.
Consumer complaint received 2020-07-02
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Paypal Holdings, Inc (GA)

I receive direct deposit benefits for unemployment each week from the Federal Government and State Authorities. I did not receive my unemployment benefits from Paypal even though the payment was sent to them from both the State and Federal Government on Tuesday, XX/XX/2020. I receive an amount of {$46.00} from the State each week for unemployment, and a total of {$500.00} a week for Federal Pandemic Unemployment Compensation. only received {$46.00} for the work week ending in XX/XX/2020, and I did not receive the allotted amount of {$500.00} that is necessary and vital in this state of emergency that I am in.I have reached out to PayPal on numerous occasions, only to be greeted with an automated response saying that no representatives can assist with this call every time I call them. I also attempt texting them with information in regards to why I havent received this deposit, and they wont address the issue and never give me an answer on why the funds are not available in the PayPal account, even though they were paid by both the State and Federal Government in lieu of the Federal Pandemic Unemployment Compensation Act, as I personally did not receive the allotted {$500.00} for the work week ending on XX/XX/2020. I have attached the necessary documents showing that the amounts of {$500.00} and also {$46.00} being sent to my PayPal account via direct deposit, as of XX/XX/2020, but the {$500.00} is not posted anywhere to my account. Have waited the allotted period in order to rectify this matter, only to be instructed that no PayPal Representatives van assist me with this matter. I have to survive during this Pandemic, and I need to have access to all of my necessary funds. I feel as if a fraudulent act has been committed, and I need answers to why the direct deposit amount of {$500.00} is not showing in my PayPal account, even though it is showing as submitted as a direct deposit of {$500.00} on XX/XX/2020. This being done so, is negligence on behalf of PayPal, and this situation needs to be addressed immediately, as this is my means of survival during this Pandemic. I have attached both my recent PayPal account history and also my direct deposit statement indicating the dates for which my direct deposits were submitted for credits to the respective PayPal account.
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MO)

On XX/XX/21, I attempted to move two small ( < {$200.00} ) amounts from my CitiBank checking account to my brokerage account. These were processed on this day, but returned on XX/XX/21. CitiBank did not contact me about the transaction being returned. I only saw it later on my brokerage account transaction history. I was also charged {$25.00} for each of the ACH transactions being returned. I contacted my brokerage account and they told me that the fees were actually from CitiBank. 

On XX/XX/21, I contacted CitiBank 's customer support phone line to find out what was going on. After a few hours waiting on hold, I was told that there was a temporary hold on my account and that the " back office '' was completing a review on my account that would be completed in 24-48 hours and that they would call me back when the review was completed. 

After not having received any communication from CitiBank, I called them back on XX/XX/21. I was told again that the review would be completed in 24-48 hours ; I told them that was exactly what I heard a week ago, but they said they couldn't tell me anything further. By this time, I started having bills due that I could not pay because I could not access my funds. No one at CitiBank customer support would tell my why my account was under review or why I couldn't access my funds. Several attempts at trying to reach an agent ( after being transferred from someone else ) resulted in the calls being dropped while I waited.
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MD)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2018-02-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Recovery Services, LLC (LA)

On XX/XX/, a letter requesting verification and validation was sent to Receivable Recovery Services ( RRS ) in regards to an unknown dept balance from XXXX XXXX XXXX. It was explained in the letter that I was unaware of the dept, provider where dept was stated to be from, and that there was no consent/authorization given for my personal information to be shared with a dept collector. The letter requested that RRS provide me with validation and verification of debt, HIPPA authorization signed by myself, a breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information to the debt collector, and that credit bureau reporting cease until debt has been verified and validated. Two letters from RRS dated XX/XX/ was received by myself stating that my request for validation and verification was respectfully declined. The letters also included dates, times, and deadlines for correspondence and disputes that I was unaware of due to being unaware of this dept. A follow up letter was sent to RRS on XX/XX/ requesting validation, verification, and proof that the stated accounts were mine in the form of previous requested documents. Attached with this letter was another " Request for Validation and Verification Letter ''. On XX/XX/, RRS responded with a letter with the account numbers and balances. The letter concluded, " Therefore, this letter will serve as our validation of the dept to you ''. The response from RRS was inadequate, and did not meet any of my requests listed on either letter I sent previously.
Consumer complaint received 2016-12-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Capital one card that I had was stolen and used and they have put it against my credit will not let me dispute things closed my account refused to work with me added so many extra charges and will not listen to me even though the same year someone tried to file taxes in my name I had stolen identity but they still will not listen and keeps charging me more and screwing up my credit
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION (DE)

reopen. XXXX. This is a checking account that I reported fees on my account because you refused to accept the data that was used on my account. XXXX was credited on my account. there were other fees that you refused to investigate. so I investigated after I received that you reported to the collection of credit. I responded to the collections office that you reported me to. there was about 3 and each time I got the charges off the bank account. I noticed that the amount was credited to my account but you didn't take off the over-drawn changes. one amount was XXXX that was over or closed to 200 dollars. the car was favor on my behalf but could not take off because they said that you should have given me my money back and they couldn't because I could not prove that you did not give me the funds. 

I spoke to your corporate office and was told that you should have taken the charges off and they did not understand why. again I asking you for the funds that you owe me and to take me out of the credit collections. 

I requesting all data from this bank account all credit collection notes. all fees that has a credit to my account and the amount that was taken off. you indicated that I owe you you must report all the information I asked for. send you all information in the paperwork also the car wash charges me twice for one car wash so the proud was if I purchase a monthly bill why would i get a wash if you investigate this the car wash knows that I cancel. just by seeing the double charge. again NSF fees. 

looking forward to my refund.