davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-24
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I recently became aware of the Hard credit inquiries made to ( XXXX XXXX, XXXX, & XXXX ) upon my credit report : Inquiry Dated ( XX/XX/2020 by Capital One Bank USA ), for a credit card application. I Did Not make any such requests or submit any Signed applications to Capital One USA for credit cards or credit line increases. I am submitting this request in order to have this Inaccurate, False, Unfair, & Needlessly Damaging Information removed Please from my XXXX XXXX, XXXX, XXXX Credit Reports
Consumer complaint received 2021-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

Hi, my coinbase account is again restricted with no reason like before, message from coinbase : your account is checking status, can take few minute back later but since 1 week nothing change, coinbase is become a not serious exchange take costumers in hostage. 
Can you help please to fixe again my issue please
Consumer complaint received 2022-08-22
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: Experian Information Solutions Inc. (GA)

The following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), and XXXX XXXX ( XX/XX/2021 ) were not authorized by me. I do not recognize these accounts/inquiries, and they are fraudulent.
Consumer complaint received 2021-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (IL)

SOMETIME AROUND XXXX OF 2012 AN ACCOUNT WAS OPENED AT SYNCB/XXXX XXXX. I DONT KNOW AN AMOUNT BECAUSE I WAS A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2022-10-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (MN)

My Aunt went to XXXX XXXX XXXX firm and had an XXXX XXXX matters book formed in the event she became cognitively incapacitated. Well that is exactly what happened. I obtain ed a Lawyer : XXXX XXXX XXXX, XXXX. ( XXXX ) XXXX. I had XXXX send all the paperwork again with my POA financial for her and She put me in her Estate Matters as her Living Trust for all her Financial matters as well. Citi bank still refuses to release her money to me and wants me to go to XXXX to sign a paper for them to release her money to me. I live in XXXX, MN. and have no one left in XXXX, Il. The paperwork is all in order and I want to send the money from Citi Bank to a shared XXXX Bank account of me and my aunt so I can keep paying her rent in the assisted living facility where she lives here in Minnesota. They even refuse to fax paperwork to my lawyer for me to sign and send back. What am I to do. I can not go to XXXX to sign a paper, besides my Aunt had her Estate Matters paperwork filled out by Lawyer XXXX XXXX in XXXX and it cost my Aunt {$800.00} to have that made up?
Consumer complaint received 2021-09-02
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my report.
Consumer complaint received 2022-04-24
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. (FL)

Account # : XXXX Account name : XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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.
Consumer complaint received 2020-01-28
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. (TN)

I have been trying to resolve these issues with the companies but i have not been able to get anywere. The following account are not mines : XXXX XXXX/XXXX  {$210.00} XXXX XXXX/XXXX   {$260.00} XXXX/XXXX {$310.00} XXXX/XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX/XXXX XXXX {$760.00} XXXX XXXX XXXX  {$890.00} XXXX/XXXX {$0.00} XXXX/XXXX  XXXX {$1100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. 
{$1100.00} XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX {$600.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$380.00}
Consumer complaint received 2022-08-06
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. (CA)

I originally got XXXX XXXX  in XXXX of XXXX and had the account for a few months before I fell on hard times.The account never shows any of my on time payments. The account then started to show late payments which I understand, but they have consistently reported late payments throughout all of XXXX, XXXX,. XXXX, and XXXX of 120 days late. I have tried disputing the information as inaccurate on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but to no avail. The item should have been written off as a charge off from what I read online. But I read on a credit forum that they are doing this to keep the account active and get around the stature of limitiations and also the 7 year rule for Credit items. This is highly illegal which violates the FCRA and FDCPA on a state level and federal level but keeping the item active. When I log into my XXXX report it does not even state the date the item will fall off because of what they are doing. They are purposely keeping my credit low with late payments and dragging it out to keep my scores low.
Consumer complaint received 2021-07-08
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: EQUIFAX, INC. (IL)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2021-02-08
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: Navient Solutions, LLC. (OH)

Navient XXXX Open Date XX/XX/XXXX Balance {$2100.00} Navient XXXX Open Date XX/XX/XXXX Balance {$2200.00} Navient XXXX Open Date XX/XX/XXXX Balance {$150000.00} As a customer, I now have privileges that are granted to me to safeguard me from misinformation being disclosed on the credit report. At this juncture, I would wish to come up with a last inquiry for examination before I discuss with my lawyer for information on how to handle inaccurate and unverifiable items that are continuing to be affirmed as true. Please don't hesitate to generate me along with a copy with the agreement fixed or voice interaction where I certified billing me for this account.
Consumer complaint received 2022-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

All of these accounts are closed and they are still trying to collect a debt from me that should completely be gone : I do not own any of those company cards at all and I would like them to be removed off of my credit completely.
Consumer complaint received 2018-11-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MI)

Attached is the summary of my Case that was processed by Chase bank escalated cases group and they could not solve the issue. 

Following are the contact persons from Chase bank that I visited 8 times so far : XXXX XXXX ( Branch Manager ) Phone : XXXX XXXX XXXX XXXX ( Personal banker ) Phone : XXXX XXXX XXXX XXXX ( Assistant Vice President ) Phone : XXXX XXXX XXXX
Consumer complaint received 2021-01-10
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: ALLY FINANCIAL INC. (SC)

I bought two vehicles with two trade ins. This was at XXXX XXXX in XXXX XXXX. I bought a vehicle in my name on XX/XX/2020, and a vehicle in my fiancs and my name on XX/XX/XXXX. Any how I have been having many issues. Starting off with when i bought the second car my fiance told them i was gon na co sign and ended up pulling my credit without my permission. At the end of the day it was okay as i didnt mind co-signing. Then we went up there and bought a new car on the XXXX turns out the bank didnt approve the loan so we had to sign another contract the next day and im thinking this is okay, but they pulled our credit again for that. So we leave thinking everything is done its now XX/XX/2020. 

Well last Thursday they told me I had till XXXX to send them Insurance information or they will take back my truck that i bought on XX/XX/XXXX. So i give them the information and im like okay everything is done. Fast forward to this week Wednesday XX/XX/2020, they decided to pull my credit again without my permission because the loan they had for my truck did not go through. I called him yesterday as well saying why didnt they not call me to discuss any arrangements and that it is illegal to pull my credit without my consent and he said it isnt. I told him i dont want him to pull my credit and I froze my XXXX reports. Well today he decided to pull my credit again and I actually didnt know about this until after getting information to send this to you guys.
Consumer complaint received 2021-02-08
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 — Problem with personal statement of dispute
Company: RFNA, LP (MS)

the agency must notify the consumer of the debts delinquent status through a demand letter or dunning notice. Please Send documentation of charges or written proof of purchase, XXXX XXXX XXXX fees monthly after statement date
Consumer complaint received 2021-02-08
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (CA)

My Name is XXXX XXXX I was diagnosed with positive XXXX XXXX And just one time I was late for my Payment to XXXX  credit card Now bcz of that it effect my credit score and now I can not lower my mortgage payment and can't refinace It's national pandemic they can remove late reporting to my credit reporting so I will be able go normal and lower my monthly payments to be able to survive
Consumer complaint received 2021-01-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc. (MA)

I received an unsolicited debit card from MoneyLion, XXXX. I contacted the bank who refused to do anything about it until I provided them with all my personal information ( copy of my driver 's license, copy of my social security card, etc ). They also requested that I file a police report and they wanted me to provide a copy of the report once filed. The debit card would not be canceled until they received all the information requested. Additionally they would not provide any details of when the " bank '' account was opened nor would they provide the " bank '' account number unless I provided all the requested information to them first.
Consumer complaint received 2021-02-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc. (CA)

Self cancelled the loan. Self owes me {$27.00} for messing up my XXXX XXXX account. Self also needs to repay the {$500.00} it still already owes me. You have 1 day.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: DISCOVER BANK (NY)

FYI I apply for per paid card and was mislead that I was approved for the prepaid card this should not be allowed. Just bringing this to your attention because many of the Banks and Credit Cards are misleading me and others and using the review as hard view on Credit Card
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc (VA)

Dear Sir or Ms. : This comsumer complaint is being sent to your office after Venmo 's unlawfully freezing my Venmo card account for nearly 3 months without any authority and consent, In XX/XX/XXXX to XX/XX/XXXXVENMO HAS STILL CORRUPTLY HELD MY {$11000.00} deposit was made from my fiancee ' XXXX XXXX 's late father 's sale of his property into my Venmo account. The deposit was to repay me {$10000.00} she got from me, and her repaying me back from her sold real estate her attorney sold in her inheritance. 

Similarly, nearly {$25000.00} was illegally transferred from my XXXX XXXX bank acct. and {$3500.00} was unlawfully removed from my Venmo card acct., with -out my consent, authorization, or any legal In and after XX/XX/XXXX, XXXX XXXX and Venmo froze my accounts containing about {$23000.00}, total. 

Venmo never told me, replied to my many attempts to learn why it was frozen, what caused the freezing, and what I can do to unfreeze my funds. That unlawful silence went on for more than 10months to this date, XX/XX/XXXX, 18 months later, VENMO REFUSES TO TRANSFER MY {$9000.00} BALANCE to my XXXX AND CHASE accounts by wire transfers. 

After nearly 14 emails Venmo has not my reply texts demanding {$11000.00} be returned, Venmo C/S and executives never replied. Alternatively, C/S wrote it will get back to me in 8-14 calendar days. After 19 MONTHS, Venmo still did not ever answer specifically WHY IT HAD FRAUDULENTLY WITHHELD my money. My monthly bills came due ; Venmo still refused after 10-months to return, my {$3500.00} it allowed to be stolen and my current {$8700.00} in my VENMO CARD ACCT.. then never refunded it even after I filed Whereas, VENMO sent me a letter, ( copy attached ) that it is holding my funds {$11000.00} for 10 months XX/XX/XXXX to XX/XX/XXXX. However, VENMO IS STILL earning interest on MY FUNDS, but not paying me {$300.00} of dollars it earned in interest on my {$11000.00} money. 

Therefore, I am seeking to file a classaction suit for various legal crimes and consumer fraud, or consumer violations as this Court determines from our classaction complaint and attached documents, ( exhibits ), supporting consumers claims against Venmo bank card. 

Respectfully yours, XXXX `` XXXX '' XXXX  XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (MT)

XX/XX/2021 : Netspend All-Access by XXXX sent me an unsolicited 'debit ' card with instructions to setup direct deposit and to activate my account. 

I did not apply for this account/card. 

To the best of my knowledge, I did NOT authorize any parties to distribute my information, or open accounts in my name. 

This company ( from internet articles ) is known for the practice of sending unsolicited 'debit ' cards to people after an account was opened by an 'affiliate '.
Consumer complaint received 2018-02-17
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Revenue, Inc. (NC)

I applied for a mortgage loan on XX/XX/2018, and was informed that there was a $ 9000+ collection account on my credit report. 

Later on XX/XX/2018, I informed XXXX, XXXX, and XXXX that they should have Eastern Revenue Inc report the account as a charge off as I have never did any business with this company, received any letters, or phone calls, nor had I ever heard of them when I saw and heard about the information on my credit report. 

I also asked each of the above credit bureaus to have Eastern Revenue Inc., at the very least report the original balance ( {$6500.00} ) as due because they are trying to charge more ( {$9300.00} ) than the original balance that has already been charged off by XXXX XXXX XXXX. 


Note : online disputes XX/XX/18 ( XXXX and XXXX ) ; XXXX  spoke with live customer service representative
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Account # : XXXX Account name : XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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.
Consumer complaint received 2021-07-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XXXX of XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this date, over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. On section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-22
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. (PA)

In accordance with Fair Credit Reporting act The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 UDC 1681.

15 U.S.C 1681 section 602 A. states I have rights to my 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 contatining any of the following items of information. Any other adversse item infromation, other than records of convcitions or crimes which antedates the report by more than seven years. 

Companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-07-07
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: EQUIFAX, INC. (GA)

Equifax is continually reporting inaccurate and misleading information in my credit file. I have filed several disputes and get no where as far as having these inaccuracies removed. According to the FCRA I have the right to request that the furnisher provides proof that these accounts are mine and Ive never received any proof of account ownership after many requests. They are painting a very inaccurate picture of my credit history and financial responsibility and it is affecting me tremendously I am being denied for accounts that do not belong to me! Im so exhausted trying to fix my credit Ive been trying for years to get them to do their job. They are not following the law and I feel are purposely reporting inaccurate information to further hurt minorities and keep us in conditions where we can not progress. Credit is everything and they should only report accurate factual information or remove it if it can not be accurately verified.
Consumer complaint received 2021-07-08
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: CITIBANK, N.A. (CA)

Credit Card - Costco Anywhere Visa Card by Citi XX/XX/XXXX XXXX - Received via email a fraud alert for my card for {$6700.00} to XXXX, location : XXXX XXXX Status : Declined XX/XX/XXXX XXXX - Called Citi to inquire about alert and request card be changed. Original card deactivated at this point, and new card issued. Disputed above charges with the agent on the phone. 
XX/XX/XXXX - Logged into online account for CC and noticed 2 other charges : {$1800.00} - XXXX - date - XX/XX/XXXX {$1900.00} - XXXX - date - XX/XX/XXXX Contacted Citi again via phone to dispute these charges. 

XX/XX/XXXX - Noticed that online dispute status listed the dispute was closed and I am found responsible. Called Citi again and was told the dispute may have been entered incorrectly, and that it would be resubmitted. Agent recommended checking every few days. 
XX/XX/XXXX - Called citi and had the dispute again submitted/reclassified from a " billing dispute '' to a fraud claim. ( Honestly I am unsure what is correct here. ) - Received letter in mail detailing that the original claim was denied as I have used this card with the merchant XXXX XXXX XXXX previously and that this should be directed to them. ( This doesn't sound correct per what I have read about the FCBE ( Fair Credit Billing Act ) ) Per advice posted on the FTC 's website, I am going to write a letter to Citi detailing my claim.