davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CT)

I contacted XXXX XXXX about my XXXX XXXX Credit Card. I had misplaced the card and requested a new one. One week later, I was notified by XXXX  that the XXXX XXXX XXXX  Account had DELETED ENTIRELY from my credit profile, causing my FICO SCORE to DROP XXXX POINTS!!! 

I immediately contacted XXXX and they told me I should dispute it- which I did. Nothing changed. I called XXXX back, and they told me they had made the adjustments on their end. 

To date, that has not occurred. I have emailed XXXX and contacted them no less than 5 times both via telephone and in writing. And not ONE change has been made. I have an OPEN ACCOUNT with a BALANCE DUE which is NOT reporting on my credit report.. 

Certainly people have lost a credit card without having it wiped off their credit report- why is this so DIFFICULT?
Consumer complaint received 2020-11-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

I am reporting the US based Brokerage house Coinbase for fraud. Coinbase is a illegitimate fake company doing business as a brokerage in the USA. They claim to be real, however, a depositor can not reach anyone at this fake company by email or phone, all their infrastructure is designed to prevent a depositor from accessing their money and assets for trading. Every time I try and move money, after I have followed their extensive identity proof requirements, 1. They hold up the money and the trades for 72 hours, and we suspect they are using our money at that time for their own trades. 2. Then they falsify transfers of assists and overcharge the depositors trading fees based on their fraudulent transfers. 

When we try and contact them, they send depositors to a nonfunctional question submission webpage. It is literally not possible to contact this fake brokerage to resolve the issues. Depositors have even tried to contact them on fakebook, but are never answered. 

I have evidence of this fraud. On XX/XX/XXXX I attempted a transfer of .2397 of BitCoin ( ruffly {$4000.00}. ), 72 hours later ( which should have taken 20 minutes, thus we lost our trade ) I received a transfer confirmation of transfer of 5.78 BitCoin ( {$100000.00}. worth ) including the fees paid to transfer that. 

Coinbase charged me fraudulent fees for transferring {$99000.00}, when I only transfered {$4000.00}. They're service provided false documents on the transaction which I have screen capture evidence. 

I verified that only .2397 of BitCoin was actually sent, and I recalled the transaction and received back my .2397 of coin. The receive transmission report was correct. 

Coinbase should not be allowed to operate in the USA, no bank or trading firm should be allowed to operate here if you can't reach the firm to work out disputes, and if they are falsifying documents and charges. 

We can provide documents from our account to the CFPB for verification to our claims, but will not post to this email form due to having our numbers on the documents.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (GA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Dispute of Collection Account and Violation of Rights Dear Sir/Madam, I am writing to formally dispute a collection account that has been reported by Credit Management LP to consumer reporting agencies. This dispute is based on violations of my rights as a consumer, specifically under the regulations outlined in 12 CFR 1006.34. 

Failure to Provide Validation : The collection agency has not provided validation of the debt as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed the collection on my consumer report, impacting my credit standing without proper verification. 

Denial of Dispute Opportunity : I have not been given a chance to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). This denial of my right to dispute the account is a clear violation of consumer protection regulations. 

Use of False and Deceptive Means : The collection agency is violating my consumer rights by using false, misleading, and deceptive means. Their actions do not align with fair debt collection practices and are causing undue harm to my financial well-being. 

Failure to Provide Required Disclosures : The collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law. This failure to comply is a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Credit Management LP for their violations. Additionally, I request that the collection account be removed from my consumer report until the necessary validations and disclosures are provided. 

I am also revoking all rights of XXXX XXXX XXXX XXXX communicating with me through email, text, and calls. I am requesting debt validation and the purchase agreement between XXXX XXXX XXXX XXXX and the original creditor. I am also requesting proof that they are licensed and bonded. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2022-01-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: OLD NATIONAL BANCORP (WI)

Old National charges predatory and outrageous overdraft fees and yet claims to be " the ethical bank '' They have charged me over a XXXX {$38.00} dollar overdraft fees even though they know I am low income. They should refund at least half of them. They won't. I've talked to them. They condescend to me and act as if I am unintelligent. They are NOT ethical.
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital One has failed to investigate the ov er 30 transactions I marked as fraud. They are simply refusing to do so and I have no option left but to use this agency as a means of posting my formal demand letter. I have sent Capital One many letters ( see screenshots ) and made dozens of calls totaling over 50 hours regarding this issue. They have continued to deny opening investigations into the charges I attempted to dispute. I no longer have the time to continue to pursue this with them. They have now received 3 certified mail items over the past month demanding they address these disputes. They have not responded to any of them. I have included one h ere. 

This is my record of demand since due to their lack of communication and of honoring their user agreements with me, I will be forced into litigation. 

They have no offered no third-party arbitration or settlement. The amount is over XXXX USD. The company has stopped responding and unless EVERY resolution offer is satisfied, I will open a lawsuit. This is my last attempt.
Consumer complaint received 2021-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XX/XX/2020 an derogatory account was reported for the amount of {$21.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ). I am in desperate need of this account being removed.
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: KEYCORP (NY)

Keybank put an incorrect address in my XXXX report. My address is XXXX XXXX XXXX XXXX NY XXXX. Keybank put an additional entry that says XXXX XXXX XXXX XXXX XXXX NY. This is an error that a rep put in. The address in XXXX XXXX does not exist. Keybank won't correct and I asked XXXX to put a notation in my file which they did not do. Keybank claims they verified the XXXX XXXX address. I never submitted or showed a document that I lived at XXXX XXXX XXXX XXXX XXXX. Since no document exists Keybank ins in violation of the Patriot Act and I would like to file a complaint.
Consumer complaint received 2022-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM O IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2021-08-12
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed
Consumer complaint received 2022-01-16
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. (PA)

The credit reporting agencies never fail to do proper investigations. XXXX is an alleged debt. Not to mention the balance on my report says XXXX. They said the account is closed they are not attempting to collect because they sold to XXXX XXXX but then tell me that we will continue to report negatively until you make a payment. Not to mention I didnt even have a drivers license to even buy a car when this alleged debt was created. So how is this happening? This has been tarnishing my credit worthiness for years. Not to mention I never authorized the consumer reporting agencies to furnish this on my reports.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

I am writing to address a concerning issue regarding the reporting of late payments on my credit report by Discover Bank. As a former customer of Discover Bank, I was disheartened to discover that there are XXXX late payments reported on my credit report, despite my account being closed in good standing and never having any late payments prior to the XXXX state of emergency. 

I wish to bring to your attention the provisions outlined in the Heroes Act, specifically Section XXXX, which amends the Fair Credit Reporting Act ( FCRA ). This section imposes a moratorium on furnishing adverse information during the XXXX emergency period and other declared emergencies, as well as for 1XXXX  days thereafter. The XXXX explicitly prohibits the furnishing of adverse consumer information that is the result of any action or inaction that occurred during the pandemic or other declared emergency. The federal XXXX XXXX declaration began XX/XX/XXXX and ended on XX/XX/XXXX. 

It is evident that the reporting of XXXX late payments on my credit report by Discover Bank during the past XXXX years, coinciding with the XXXX pandemic, is in direct violation of the Heroes Act specifically Section XXXX. As stated in the XXXX, any adverse consumer information resulting from actions or inactions during the pandemic should not have been reported. 

Furthermore, I spoke with a representative named XXXX on XX/XX/XXXX, at XXXX XXXX XXXX XXXX informed me that multiple supervisors were made aware of Heroes Act, specifically Section 110401, which amends the Fair Credit Reporting Act ( FCRA ) yet stated they would not remove the inaccuracies in reporting the late payments that occurred during the XXXX pandemic.
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$590.00} Balance {$590.00} Highest Balance {$590.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX Account 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
Consumer complaint received 2018-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

To Whom It May Concern, In XX/XX/2017, I had some overdfraft fees refunded by Webster Bank. The customer service representative I spoke to at that point told me she was refunding the fees because the overdraft " never would have occurred if the online banking was accurate. '' Over the next couple months I received a few more overdraft fees from Webster Bank due to these same online banking inaccuracies. When I tried to get these fees refunded, I was told the error was my own, and I was responsible for the fees. 

Since each overdraft occurred in the same manner as the first, which was refunded due to online banking inaccuracies, I of course had to question how the newest ones could not be refunded as well. Webster at that point, denied that the conversation I was citing never happened. My argument going forward was that the first representatives recognition of online banking issues set a precedent, which is that the bank is aware that they have online banking issues, and that they would take responsibility for them. When I pointed this out, they again said the conversation never happened. 

At this point I requested for the initial phone call from XX/XX/XXXX to be reviewed. Webster claims to have reviewed the phone call, and says that my recollection of the call is totally incorrect. While I am sure there is a possibility that my recollection is slightly off, I highly doubt that I am imagining the whole thing, as Webster Claims. 

I then requested a copy of the phone call, which was denied. I asked for a independent third party to review the phone call, which was denied. I also asked if we could listen to the phone call together, whether on the phone or in person, and that was denied. 

My belief is that Webster is intentionally not letting me hear this phone call, because if they did, they would have to admit that their representative did in fact state their online banking is prone to issues, and did in fact state they would take responsibility for those issues. Once that is established, Webster would then have to refund the rest of the overdraft fees, all of which resulted from the same issues. They of course, do not want to do this. 

Again, I am fully willing to admit that my memory of the phone call could be very slightly inaccurate. But Websters insisting that the whole scenario is entirely fabricated is not only wrong, it is extremely insulting.
Consumer complaint received 2022-01-16
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. (PA)

The credit reporting agencies never fail to do proper investigations. XXXX is an alleged debt. Not to mention the balance on my report says XXXX. They said the account is closed they are not attempting to collect because they sold to XXXX XXXX but then tell me that we will continue to report negatively until you make a payment. Not to mention I didnt even have a drivers license to even buy a car when this alleged debt was created. So how is this happening? This has been tarnishing my credit worthiness for years. Not to mention I never authorized the consumer reporting agencies to furnish this on my reports.
Consumer complaint received 2020-11-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

XXXX, XXXX or XXXX, Fifth third bank/XXXX  XXXX XXXX had my out repossessed. I was not behind on my payments, nor was I late paying but my auto was repossessed while i was interview for an XXXX  XXXX  ( XXXX/XXXX  ) position with the Commonwealth of Kentucky. This was done without notice or warning. I woke up to go to work and my Auto was missing. This auto was a XXXX. Also I had traded in my XXXX XXXX which had been wrecked with had insurance on it. So not only did they get my Insurance but they were still charging me for the XXXX. I, had already notified the Bank that i was in the process of looking to buy a house or home for me and my XXXX daughters. I won this in Circuit Court but the Bank has not settled for putting this on my credit report as non-payment, which is not the truth. The precedent on this case was because a financial institution claimed the person was behind or did not pay ... so you see the motion was sustained for me. see attached information. The minimum amount is {$500000.00} in Kentucky according to their statues, but the Precedent is substantially more. I am asking them to send me information on the homes/houses they have available plus the {$500000.00}.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (FL)

I have notified Amex of a fraudulent account. 

The address and phone number used to open the account is not my information. 

I am providing a copy of my drivers license. 

American Express is not responding appropriately to these complaints they just continue to send a copy of the statements that they were sending to a wrong address.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BCA Financial Services, Inc. (FL)

I have disputed this collection acct twice that has so many misleading and inaccurate details, it should have been removed. Nobody is investigating hardly anything! The date of service, the date it went to collection was premature of fcra guidelines, lender sent me a balance but it does not correlate with XXXX and XXXX investigated reports. So I assume lender is not being fully honest with them. Report also states no payments have been made, which is inaccurate. My insurance has paid out about {$10000.00} of original charges. This is misleading for future lenders that review my credit report and alters major impacts. If info isn't accurate, it must be removed, it doesn't folllow fcra guidelines, it must be removed ; and I sent out a validation request to lendor BCA and months go by without a response, that alone is supposed to be grounds for removal.
Consumer complaint received 2022-01-16
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. (PA)

The credit reporting agencies never fail to do proper investigations. XXXX is an alleged debt. Not to mention the balance on my report says XXXX. They said the account is closed they are not attempting to collect because they sold to XXXX capital but then tell me that we will continue to report negatively until you make a payment. Not to mention I didnt even have a drivers license to even buy a car when this alleged debt was created. So how is this happening? This has been tarnishing my credit worthiness for years. Not to mention I never authorized the consumer reporting agencies to furnish this on my reports.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Onity Group Inc. (WA)

I was given a thirty day late while i was in a XXXX  XXXX bankruptcy on XX/XX/2011, my attorneys were XXXX XXXX Attorneys at Law looked into the matter with Ocwen Mortgage and resolved the issue but a couple years ago XXXX had a data breach and when they got it resolved it came back up!! the 30 day late. this is the issue i was never late with Ocwen and my Attorney and i with bank statements proved it, so why are they reporting the wrong dates of me being late to keep it open it seems to be deliberate and predatory and i want to really sue for all the capital they have cost me since XXXX!! please can you help? thank you!!
Consumer complaint received 2021-06-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (LA)

On XX/XX/XXXX, I received a letter from ERC about a collection account with XXXX XXXX for {$460.00}. This account was open in XX/XX/XXXX and closed in XX/XX/XXXX. After reading and going through my accounts with my fiancee, we decided to send a debt validation letter to the company, ERC. On XX/XX/XXXX, I sent a debt validation letter to this company. After waiting for a response to the alleged claim, I received several alerts that a new collection was placed on my credit report. ERC placed the collection on my ( 3 ) credit reports before validating the debt. Upon further review, I contacted ERC as to why the debt wasn't validated and no immediate answers were given. All they claim that they were contracted by XXXX to collect the debt. As a record keeper, This debt was bought from XXXX XXXX back in XXXX and not from XXXX XXXXas they claim.