davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (NC)

XXXX XXXX Services : ( Original Creditor XXXX XXXX XXXX ) XXXX  Physical Address : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Original Creditor : XXXX XXXX  XXXX XXXX Current Creditor : XXXX XXXX XXXX Creditor Account # : XXXX Date ( s ) of Service : XX/XX/XXXX Agency Name : XXXX XXXX XXXX, XXXX XXXX Reference # : XXXX Balance : {$0.00} This notice serves as confirmation that the above-referenced account with the above-referenced creditor has a XXXX bal- ance. 
Please note, if information was reported to the credit bureaus regarding this account, we will request the account be delet- ed from any consumer reporting agency files to which we have submitted information within one week of the account closing in our office as paid. Consumer reporting agencies may take up to 30 days or longer to update consumer reports and this is beyond our control. 
We appreciate your attention to this matter and encourage you to call our office if you have any additional questions or concerns. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX Toll-Free XXXX XXXX XXXX Calls to or from this company may be recorded or monitored. 
This communication is from a debt collector. 
PLEASE SEE PAGE TWO ( 2 ) OF THIS LETTER FOR IMPORTANT NOTICES REGARDING YOUR RIGHTS XXXX XXXX XXXX, XXXX is registered as XXXX  XXXX XXXX XXXX in the following states : AZ, IA, KY, NH, ND, SC, TN, TX,
Consumer complaint received 2021-03-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (CA)

This issue is regarding my attempt to transfer Bitcoin from my wallet on XXXX  ( digital asset exchange ) to my private hardware wallet. 

On XX/XX/XXXX, I withdrew XXXX BTC ( equivalent to {$6100.00} as that day 's market price ) from my XXXX wallet to my private wallet. This transaction was successful. 

However, XXXX incorrectly double posted this withdrawal leading to a negative XXXX BTC balance in my account. I also had other currencies that I needed to transfer to my private wallet ( ETH and LTC ). I was unable to make those transactions because XXXX restricts withdrawals when you have an overall negative account balance. 

In order to get the other currencies withdrawn, I sent XXXX BTC in from my private wallet on XX/XX/XXXX. I subsequently withdrew the ETH and LTC amounts I needed to. 

XXXX never corrected the erroneous double post. I submitted a support ticket to XXXX on XX/XX/XXXX, in which I describe the above in full. They asked for more details and eventually admitted it was an error in their system on XX/XX/XXXX after reviewing : " Thank you for contacting us about this. 

We have confirmed this to be an issue with our system and are working to resolve it as soon as possible. Your case has been recorded for review by an expert. 

Thank you for your patience in the meantime we will be in touch again as soon as we have an update. '' No response from XXXX for weeks so I asked them why it wasn't resolved on XX/XX/XXXX. To which, they replied : " Thank you for contacting XXXX. 

In an effort to respond more rapidly to support requests, direct emails to this address are no longer enabled. 

To get a response from our support team, please visit the following page and complete the request form : XXXX XXXX XXXX Please use the email address that you use to log in to XXXX, select the appropriate category, and include as much detail as possible when submitting your request. 

Thanks in advance for your patience and support. '' No resolution still. I submitted another ticket to follow up on XX/XX/XXXX ( Case # XXXX ), but there has been no response. I have elevated this case number today ( XX/XX/XXXX ) and notified XXXX I am formally submitting a complaint to the CFPB. Today, the XXXX BTC is worth approximately {$22000.00} USD.
Consumer complaint received 2019-10-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I have in several occasions asked over the phone that these collectors to send me proof via mail of this so called debt that I have with them. I do not know who they are and I have never entered into business with them. To this day, I only receive daily phone calls which I choose to not answer. First contact to request proof XX/XX/XXXX/2019. Second request XX/XX/XXXX19. Third request XX/XX/XXXX19. I would like for their phone calls to stop. My voice mail isn't set up with my name and yet they leave personal information messages on it.
Consumer complaint received 2024-11-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, I called Bank of America to close my checking account. I was informed by them it would take 7 to 10 " business '' days to process this request and to refund my account balance which I told the rep to send the check to my new address specifically and she repeated the new address back to me. I received an email on XX/XX/XXXX that it was closed. I called BoA and was informed that a check " was '' mailed out around XX/XX/XXXX. And this would take " another '' 7 to 10 " business '' days for me to receive it. On XXXX, I did a change of address with the USPS. I was told be another rep I would receive my funds around XXXX - did not receive. I got a call from BoA fraud dept on XX/XX/XXXX, XXXX informing me the check was returned to them. I do not know when the check was received at my local post office and I do not know when the check was received by BoA. I was then told, it'd be another 10 " business '' days for me to receive it, around XX/XX/XXXX. All in all, this entire process ( if I receive it on XX/XX/XXXX ) is 37 days or 5 weeks and 7 days. this is horrible. This check is my first social security check. I am late with my rent and other needs. All I can say is if I were 37 days late with a BoA credit card payment, they would be calling me daily and even multiple times a day. And tacking on late fees and daily interest. This is horrible. What should take no longer than 5 days to close an account and me receive me funds has now taken almost 6 weeks.
Consumer complaint received 2021-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I noticed on my XXXX XXXX Account with TransUnion and XXXX  that there were a couple of medical accounts that were added that I have no knowledge of. I never went nor received medical services from the facility listed in the collection account. I disputed 2 or 3 of them successfully with no problem. However, I recently tried to dispute another one with the same medical company with XXXX collections agency and it was said to have been determined to be " accurate ''. I have never lived nor have I ever received treatment in XXXX. Also I have noticed that there is now another name that comes up with my report. I believe his name is XXXX ( I tried to find the guy whose name was listed on my Credit Report but when I filed my dispute the name is no longer readily available for me to see ). I tried to call TransUnion to have them investigate and further more remove this person from my account along with the inaccurate accounts. The lady with TransUnion kept asking for me to mail her my Social Security Card. To me that is NOT safe and NOT something that I would ever be interested in doing. My concern is I am reviewing my TransUnion report and now my XXXX  reoport and both of them are incorrect. XXXX  XXXX  has accounts that TransUnion does and Transunion has some random person now connected to my SSN. I need help in fixing this problem without having to see personal documentation. Essentially I am NOT the " XXXX '' character who was seen at the XXXX hospital and XXXX XXXX. I also have NOT finished getting dinner in the same sentence. How do I know which report is accurate an which report is now?
Consumer complaint received 2021-11-20
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. (MO)

I have been trying to dispute these negative items on my credit report but the bureaus and so called furnisher claimed they investigated the account but never show proof of what they investigated.
Consumer complaint received 2022-07-03
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 have actively said, showed proof of fraud and identity theft by dark web of hard inquires on my 3 credit bureau 's along with one fraud account with Equifax and XXXX. I was notified and contact by my bank who were the ones that identified the situation and put it to a stop. 

The police on site said since their was no money physically taking which was a good thing their was no need for a police report or investigation. Before that I only check my credit report if i ever file for something or once every 2 to 3 years.

For some reason the credit bureau 's are saying one thing compared to what the creditors are telling me. I need this fixed asap as this is the first time in XXXX this has ever happened to me and I been following every steps that my banks and credit agencies have been telling me for 2 months now. 

As far as changing bank account numbers and all credit card and debit info, fraud alerts and identity theft reports. Please help as this is drastically effecting my great credit scores I first reported XX/XX/XXXX then on XX/XX/XXXX to all credit bureau 's. Please help me
Consumer complaint received 2022-07-03
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX 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 2022-07-03
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. (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. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

XXXX / XXXX / XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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 2022-07-03
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: DISCOVER BANK (FL)

My complaint is about DISCOVER and XXXX Credit Bureau. I noticed XXXX unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/2022 Because I did not apply for credit with DISCOVER. 
Please launch an investigation into DISCOVER inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if DISCOVER is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2021-11-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

The Set Up In late XX/XX/XXXX, I was selling my car. A buyer online offered to buy it for {$4000.00}. He agreed to send me a certified check from a bank in the purchase amount plus an amount to pay the transport person. The buyer sent the check for {$5900.00}. I was to keep the {$4000.00} and send by XXXX the {$1900.00} to the transporter. I thought this was strange, purchasing a car without seeing it and then having me give the money to the person to move it. But, I knew I would do nothing until my bank ( U.S. Bank ) told me the check cleared. I deposited the check remotely using my U.S. Bank app. On XX/XX/XXXX, within XXXX hours, U.S. Bank notified me the funds were fully available/check had cleared the clearing house. I then made the transfer of the {$1900.00} based on my bank telling me the funds were available. 

The XXXX Sting U.S. Bank told me the money was available. I would not have sent the {$1900.00} by XXXX had U.S. Bank not done that. They blew the whole clearinghouse system process and caused my reliance. 

The XXXX Sting The BuyeXXXX contacted me on XX/XX/XXXX, that a family tragedy had happened. They needed the remaining money back, minus {$500.00} for my troubles. I became suspicious and refused saying I would not XXXX any more money. I needed to consider what was going on. I thought I was being used in a money laundering scheme. I began to investigate the bank on which the check was written and it no longer existed. It was purchased by another bank around XXXX. The defunct bank was called " XXXX Bank XXXX XXXX XXXX. '' I called U.S. Bank as soon as they were open next to report the fraud. They said it was likely a fraudulent check. I replied " not so '' because U.S. Bank had already noted it available for use/the check cleared. The bank conducted an investigation based on my complaint about the fraud and the banks negligent behavior. The bank determined on XX/XX/XXXX that the check was fraudulent, docked my account, and sent me a returned deposit notice. On XX/XX/XXXX, more than XXXX days after beginning the investigation, I received the notice that U.S. Bank would not take responsibility for their error. I had been told by their fraud department that if they took more than XXXX days they would give the money back.
Consumer complaint received 2022-07-03
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. (MD)

Notice i claim harm by way of trespass, FRAUD and Dishonor. 

Notice to XXXX XXXX and XXXX XXXX Ref : Account # XXXX We are all equal any wrong doing will result in a claim by way of trespass, FRAUD, extortion, Dishonor and Breach of Privacy rights. 

These are my rights i am a woman i know my rights my rights are if you do any wrong, if you trespass by way of extortion in any way, if you harm i or the property of i, if you do any unlawful harm to property or any undue exercise of power, if you did that i will hold you accountable because i know my rights and i know how to express my rights and my law and i will file a claim on you and i will press my claim in federal court. 

As stated in multiple correspondence requesting the original instrument of indebtedness in its original form and XXXX XXXX and XXXX XXXX failure to comply under law will result in a FRAUD and unlawful. Any willful negligence or wrong doing XXXX XXXX and XXXX XXXX have committed will be held liable. i have the right by law to ask for original documentation regarding my property with both parties signature on any document any failure to present original instrument of indebtedness in its original form will be held liable for FRAUD and dishonor, trespass, extortion, undue exercise of power will be liable under law. i a woman and i have rights and i know how to express rights and law. 

Notice to XXXX XXXX and XXXX XXXX for failure to comply with law. 

Federal Violations See Exhibit XXXX Federal Violations See Exhibit XXXX Federal Violations See Exhibit XXXX i a woman is demanding my account be discharged, XXXX out my balance and remove this inaccurate, incomplete and Fraudulent information or account from my consumer file and consumer report. Any failure to comply with law all parties will be held liable.
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (DC)

THE FOLLOWING COMPANIES ARE REPORTING INACURATE INFORMATION ON MY CREDIT REPORT SHOWING A DELIQUENT ON XX/XX/year> BUT SHOWING LAST PAYMENT BEING MADE ON XX/XX/year> THIS IS INCORRECT REPORTING AND NEEDS TO BE CORRECTED ASAP. 

1. BESTBUY 2.MACYS
Consumer complaint received 2022-07-03
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. (TN)

I did not consent to or benefit from the following information : XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account XXXX XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, 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 and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.
Consumer complaint received 2022-07-03
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. (TN)

I did not consent to or benefit from the following information : XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account XXXX XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, 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 and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate
Consumer complaint received 2022-07-03
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. (GA)

have attached my identifying documents, this is proof of identity for all correspondences for this communication. The credit reporting agency has over reached and violated my privacy rights via 15 USC 6802-Obligations with respect to disclosures of personal information. Consumer reporting agencies may not disclose nonpublic personal information pursuant15 USC 6802a ( 6 ( a ) ) the Fair Credit Reporting Act establishes this protection to me as a federally protected consumer. Per 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes. Furthermore, I also demand you, XXXX produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 4 days to delete these inquiries. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Without Recourse UCC 3-415, All Natural Inalienable Rights Reserved Delete the following inquiries from my consumer report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give any of these companies access to my private information, and as the furnishers, you are in violation.
Consumer complaint received 2022-07-03
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: SLM CORPORATION (TN)

I was attempting to get a XXXX loan for school from Sallie Mae. They did a hard inquiry on XXXX XXXX and then wanted a co-signer. They were sending me info that was incorrect and someone from Sallie Mae talked me into doing another application and said it would only be a soft inquiry and would not affect my score. This was only 29 days apart. Immediately on transition my score dropped and there are two educational hard inquiries on my file within 30 days. I know this is not correct and they should have only done one hard inquiry. I contacted Sallie Mae and they put it off on XXXX. I contacted XXXX and they said Sallie Mae has to send something. I want this inquiry into off my credit report. Please help me as neither agency will do what they are supposed to do.