davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$21000.00}, {$42000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 3. XXXX XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-22
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)

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.I believe information in your file results from identity theft, I have the right to ask that a consumer reporting agency block that information from my file.
Consumer complaint received 2022-02-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (VA)

In response to XXXX correspondence in complaint # XXXX, Im requesting all the information XXXX XXXX XXXX is using as verification of the alleged debt in their previous correspondence. XXXX XXXX XXXX  is stating they have proof of the transaction details but failed to send me the original documentation that they are using for supporting evidence. As a consumer I have the right to dispute and validate the alleged debt. XXXX XXXX XXXX is negatively effecting my livelihood by reporting misleading false information on my consumer report. Theres no permissible purpose to furnish a report on me but XXXX is continuing to report the alleged debt which isnt validated. I responded to XXXX XXXX XXXX claim as of XXXX via certified mail ( see attached file ). Along with my response I attached an updated cease & desist, and sent it to the address XXXX XXXX XXXX insisted I send to ( XXXX XXXX XXXX XXXX XXXX XXXX SD, XXXX ). XXXX implied that in order to send me their supporting evidence, they need proper identification of me for privacy reasons. I responded to them stating I will be submitting my proof of identity along with my statement of identity through the CFPB ( see attached ). I XXXX XXXX XXXX the consumer, consents to receiving all correspondence Ive requested in my response to XXXX  ( see attached ), through postal mail and/or via CFPB. XXXX has 7 days upon receipt to send correspondence.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Requested XXXX transfer of all assets ( All cash ) to XXXX on XX/XX/XXXX & from my other XXXX account on XX/XX/XXXX. 

Both XXXX  were rejected by XXXX, I then submitted multiple times ( I have proof of each attempt ) XXXX one time distribution pdf form ( with Driver License photo and wet-Signature ) for them to close my accounts ( CMAs ) and wire my holdings to XXXX XXXX XXXX XXXX. 

Every submission ( certified mail was rejected as no one of authority available to sign for it ), secure document uploads on multiple dates prior to their account closure and wire out before they locked me out of my accounts, as well as my plethora of phone calls, in-person meetings with XXXX XXXX of their XXXX, CA branch XXXX he would call and get dead-ended in front of me ), hour-long on-hold calls to them. 

Finally, they mail me their official account closure notice ( as though I have not been constantly requesting as such for over a month now ). 

I went in to their XXXX, CA XXXX again to be told that I am not allowed to wire out my own money which they have been playing keep-away from me for the past month. 

Instead, their letter details their audacity to ask me how I want my money & that they would distribute a check on XX/XX/XXXX if I did not indicate that I wanted my money now. 

This whole process has been a proverbial and literal slap in the face, I realize other firms operate with a semblance of professional integrity and so I feel compelled to report their blatant mishandling of my assets I made the mistake of entrusting them with. 

Everything is documented, including on their end, so I ask you, the regulatory body that can compel them to be held accountable for such blatantly unacceptable behaviors- to make sure they are held accountable and that this happens to no one else. 

As of XX/XX/XXXX, XXXX XXXX of their XXXX, CA branch was able to get their central processing division/team to supposedly approve an incoming ACATS transfer to either my XXXX brokerage accounts or my Vanguard accounts XXXX why I am bound to these limiting conditions they conveniently placed onto me ( ignore all my account closure+wire requests, and ultimately provide me with such a limiting and inconvenient scope of accessing my own money ), befuddles me. I hope you guys can figure that out, as clearly I, as I, as an individual investor, mean absolutely nothing to this corporate giant.
Consumer complaint received 2022-06-22
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)

I submitted a request for a follow suit on a collections account. I sent the information to Experian and the collection account came back verified through Experian. When XXXX attempted to verify the debt they couldn't so they in turn DELETED the account. There would be no way one could verify the account and the other can't. This does not provide for MAXIMUM POSSIBLE ACCURACY WITH MY REPORT.
Consumer complaint received 2021-09-10
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: Experian Information Solutions Inc. (CT)

My previous Credit Score with all agencies was between XXXX and XXXX. 

On XX/XX/XXXX, XXXX reported that I paid my last payment to them late and since then my Credit Score has declined to between XXXX and XXXX. 

I have disputed the negative claim by XXXX because according to my records this should not have been reported as a negative. Here are the details : I had a 36 month lease with XXXX XXXX with an automatic payment. The lease was set to expire on XX/XX/2021 so I asked for a 1 month extension to decide my options of buying the vehicle. XXXX was able to extend the lease online to XX/XX/2021. 
Before the end of the lease, I called XXXX to provide the payoff amount and mailed a bank check that was cashed by XXXX on XX/XX/XXXX ( This included the last payment ). XXXX never told me that I had to make the last payment manually and on XX/XX/XXXX, they reported a negative credit issue to report that a late payment was made on the account. 
It is probably embedded into the 1 month extension that I was supposed to make the last payment manually but it is unfair to have reported it as negative after 36 +ve payments. And this after I spoke to them multiple times for the lease extension as well as the purchase. 
I have had no other negative issue on my account for as far back as I remember. I am asking that this negative be removed. 
I started a dispute with both XXXX and reported it also to Experian but my score has kept moving downwards in the last 2 months from a high of around XXXX to XXXX. This is not correct.
Consumer complaint received 2022-07-22
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2021-07-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (KY)

In an attempt to withdraw funds from Coinbase Pro due to the absolutely pathetic Coinbase customer service ( I filed an additional CFPB complaint due to the company erroneously stealing my money by placing a trade that I did not authorize ), I sold my cypto assets ( XXXX, XXXX, XXXX ) and converted them to USDs prior to transferring the USDs to my regular Coinbase account. 

Due to my prior issues with Coinbase, I had to reset my account email address to an old email account ( XXXX ) rather than my active, preferred email address ( XXXX ). When attempting to log onto Coinbase, I was asked for two-form authentication. I have never performed such authentication with past deposits or withdrawals from Coinbase. 

To make matters worse, the old email address I now am forced to use on the account is no longer active. I filed an inquiry/complaint online, as this awful company requires, and I have yet to hear back over the past week. 

Once again, Coinbase 's blatant disregard for customer service has kept me from MY money. It's truly criminal that there is no expeditious mechanism for getting access to my own wealth. I truly hope the CFPB cracks down on this pathetic company, and I vow to never use this platform ever again once I have obtained my funds.
Consumer complaint received 2024-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (GA)

In XX/XX/year>, I mistakenly transferred funds from my credit card account instead of my savings account to my checking account. ( I have done transferred funds from my savings to my checking account numerous times before. I did not realize that on this day when I logged in on my accounts page my credit card account was also listed. This was odd because my credit card account was never before listed with my other checking and savings accounts. Usually this account would be listed in a different area. ) Once I realized the error, I promptly accessed my online account to rectify the situation. However, a few days later, I noticed a {$160.00} fee had been applied to my account. I reached out to Truist to address this matter, explaining that it was a simple mistake and that the funds had been appropriately returned to the correct accounts. Unfortunately, I was informed that a fee would still be charged to my credit card account since it took me a day and a half to correct the issue instead of less than a day. Frustrated with this response, I requested to speak with a manager, who reiterated the same information. In an effort to resolve the situation, I paid my balance, excluding their fees, and closed my account. To this day, the issue remains unresolved, and I continue to receive demand letters for a growing balance, accompanied by additional fees. I am feeling increasingly frustrated and am considering closing my remaining accounts due to feeling undervalued as a customer. I am also puzzled about how I made this mistake initially since typically, withdrawing from a credit card requires a PIN, which was not provided in this instance. Additionally, I had never linked my credit card to my online banking, contributing to the confusion. Previously, my credit card activities were not visible on my accounts page, only showing my checking and savings accounts. However, on that particular day, the credit card account was displayed in place of my savings account. I am very disappointed with how Truist has handled this situation. It is disheartening to see the bank willing to charge me for an innocent mistake, jeopardizing my relationship over a mere {$160.00}, and showing an apparent lack of understanding and support. 
In XXXX, I contacted the XXXX XXXX XXXX  seeking assistance. They facilitated communication between me and the bank. I agreed to collaborate with Truist in order to resolve the matter. They requested approximately 15 days to investigate the issue. Subsequently, I received a letter indicating that Truist found no errors in the billing and would no longer be able to assist. Consequently, my credit score has declined by over XXXX points due to this issue, and I have experienced denials for utility services as a result. Additionally, I am incurring charges because I declined to pay the fee imposed by the bank.
Consumer complaint received 2022-06-22
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. (FL)

An 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 Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX
Consumer complaint received 2022-02-10
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: Credit Technologies, Inc. (FL)

On XXXX XXXX I noticed a hard inquiry on my XXXX credit report from CREDIT TECHNOLOGIES IN. I did not authorized my credit report to be pulled by this company. I am requesting that its removed.
Consumer complaint received 2021-09-11
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NV)

Last year at the start of the Pandemic we were placed on shelter in my State. That was in XX/XX/2020. I immediately called my credit card companies and submitted financial hardship. Everyone except Macys was happy to extend my payments out by a few months except. I was told by Macys that they had no such forbearance in place. This caused me to be late 30 days and reported in XXXX as a late payment. I have never been late in my account. I have already written letters to remove my late payment since it was covid related and I was denied.
Consumer complaint received 2021-11-24
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports. 
XXXXBalance {$150000.00} XXXX Balance {$4200.00} XXXX*Balance {$0.00} XXXXBalance  {$0.00} XXXXBalance {$0.00} XXXX****Balance {$0.00} XXXX****Balance {$0.00} XXXX XXXX XXXXBalance {$540.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$2200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXBalance {$760.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX*Balance {$720.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX****Balance {$390.00} ( Original Creditor : ) XXXX****Balance {$XXXX} XXXX****Balance {$850.00}
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I entered into a contract with Capital One for a credit card on XX/XX/21 and was informed to put a down payment of {$200.00} for a credit line, which is a violation of 15 usc 1605 finance charge. I informed him that I am not obligated to pay pursuant to 18 usc 8. Also I sent an assignment of transfer my rights to delegate the account.

More is alluded in the documents I attached.
Consumer complaint received 2021-09-11
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)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2018-12-15
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. (MO)

I'm requesting that the following accounts be blocked from my credit report, ( 1 ) XXXX XXXX XXXX, {$120.00}, XX/XX/XXXX, I was not in XXXX Hospital on XX/XX/XXXX, so this account can not be mines. And in accordance with the FCRA law physical documentation need to be presented to the consumer and if not the account shall be removed. Also I have absolutely no contract with the above. Account # 2, XXXX {$910.00}, XX/XX/XXXX, this account is not mines either, and nor did I ever have a contract with this company, Account # 3, XXXX XXXX XXXX {$1000.00}. And account 3,4 and 5, XXXX XXXX XXXX, {$56.00}, {$52.00}, {$52.00}, XX/XX/XXXX, XX/XX/XXXX, I do not have a contract with any of the above.