davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX  {$420.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$640.00} OHIO DEPT OF HUMAN S {$1200.00} Date Opened XX/XX/XXXX OHIO DEPT OF HUMAN S Date Opened XX/XX/XXXX Balance {$790.00} **Inquries** XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  {$420.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$640.00} OHIO DEPT OF HUMAN S {$1200.00} Date Opened XX/XX/XXXX OHIO DEPT OF HUMAN S Date Opened XX/XX/XXXX Balance {$790.00} **Inquries** XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MA)

Im having this problem with Coinbase. On XX/XX/XXXX XXXX I sent XXXX xrp coins to my coinbase wallet, and had also purchased {$100.00} in bitcoin through coinbase on XX/XX/XXXX, Coinbase would not let me withdraw my xrp to my secured wallet, I read online that it was a problem with the mobile app and to try on a computer browser. To log onto my coinbase account on my computer I had to do 2 factor-authenticator, this required me to click on an email they sent to the email on file which I no longer have access to. So I clicked I no longer have access to this email, which allowed me to change it by uploading my ID to confirm my identity. I was told I would receive an email when my ID was confirmed and that my email has been changed. I got an email saying that they couldnt confirm my identity and to try again, but the next time I opened my app I had to re-log in, but when I went to enter my credentials I noticed I could only sign in with the emaiI had requested to change to even though I was notified that they couldnt confirm my identity. And when I logged in my total account balance was {$5.00}. No bitcoin and no xrp was in my portfolio, and no transactions from the last two years are showing. I know its the same account because all my info is the same and I have the same wallet addresses. I contacted coinbase support and received no response, submitting a ticket and all and received nothing in return. I will attached transaction ID and blockchain ID
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK (NV)

I received an offer for a XXXX XXXX XXXX membership from Discover on XX/XX/2020. It stated that I would receive a {$45.00} cash back bonus on the purchase of a new membership and that it needed to be used before XX/XX/2020. I activated the offer and purchased the membership on XX/XX/2020 ( double checking that the offer was activated before purchasing ). I have the receipt for the purchase as well as the offer email. 

The bonus cashback never showed up on my account I contacted support on XX/XX/XXXX asking about the missing cashback, I received a response to wait until my XXXX billing cycle ended. I waited until my XXXX billing cycle ended to contact them about the matter further. 

I received canned responses, along with a generic " Upon further review on this promotion I can see that the rewards for this promotion has already been applied to all applicable accounts. '' An then " This means that the purchase did not meet one or more of requirements to earn the {$45.00} credit. While I am not able to see what requirement was unfulfilled .... '' I see no reason as to why I was " disqualified '' for the offer. I never held any membership with XXXX 'XXXX XXXX I activated the offer from the email, I used my Discover card, and I did not combine it with any other offer. 

The only reason why I signed up for a XXXX XXXX XXXX membership was because the sign-up bonus made the membership free. To date, I haven't even used the membership.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX Bank {$420.00} Date Opened XX/XX/XXXX XXXX XXXX Bank Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$640.00} OHIO XXXX XXXX XXXX XXXX {$1200.00} Date Opened XX/XX/XXXX OHIO XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$790.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  BANK XXXX XX/XX/XXXX 2023
Consumer complaint received 2022-04-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP (TX)

RAUSCH STRUM LLP on behalf of XXXX XXXX has filed a lawsuit with XXXX XXXX Justice of The Peace. Without properly communicating with me. 

I sent a letter in response Denying the debt owed XX/XX/XXXX and the company sent a response XX/XX/XXXX. XX/XX/XXXX the firm filed a lawsuit without notifying me and before my legal 30 days to respond. 

XXXX XXXX was notified during the pandemic of my financial situation. No relief was offered after several attempts telling them I was unemployed. No payment reduction or any payment arrangements offered. 
This firm has a history with filing lawsuit illegal. 
All my calls have went unanswered. 
Please look into this firm past and XXXX  REVIEWS.
Consumer complaint received 2021-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I Have received information on debt that Jefferson Capital is attempting to collect a debt that verified as identity theft. XXXX XXXX completed the full with the provided information of the police report that I provided to them, this debt is not mine and should not be attempted or reported on my credit report.
Consumer complaint received 2020-07-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CFW Holdings LLC (TX)

I received a vm on or around XXXX from XXXX XXXX with a threatening tone. He has reached out to employer, family members in another state along with neighboring family members who all reached out to me regarding his message. States he is an officer looking for me. They did not leave a company name but the contact number is XXXX. Another representative XXXX XXXX left a vm about a conversation I had with one of his employees, who stated that they do not make outbound calls. I explained my situation and she continued to say that I know what amount is due since I took out the loan etc. Did not listen to my situation. 

I attempted to contact them today XXXX and left a voicemail.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 section2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 US Code 1681a ; Definitions ; rules of construction-exclusion- except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B ; A creditor may not treat a payment on a credit card/ loan account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2018-11-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (TX)

My husband passed away. Chase bank put check on hold they paid my rent and car insurance, and said I was in the negative, I ask what did I need to do they said bring in $ XXXX XXXX and I would be out of the negative and I deposit $ XXXX, XX/XX/2018 then again I was in the negative for $ XXXX The I call on the phone for two hours no one could help me I went back into the bank again they said now I have s balance of $ XXXX I said and I have s withave s Witness my daughter is on the phone speaker And listening, I ask was the money ok they said yes, so I said now it is no longer XXXX when all of this started it is XXXX now, so the bank Chase bank said I could get s cashier check of $ XXXX my rent, everything was ok so I left the bank thinking everything was fine I did what they ask me to bring now I am in the negative again I have not charge anything nor use my card now I am in the negative again for $ XXXX they keep changing, chase bank said the sent the check back to social security but I made good I brought $ XXXX in I dont own them $ XXXX all the figure keeps changing, I understand Chase bank is notrtous for doing this I am on a fix income, nothing has been resolve in a timely. They have had Escalting team and nothing is resolve and the Branch I go to dont have a clue what is happening the Branch computer is never the same as who ever is changing the figures on my account the Branch is XXXX in XXXX XXXX zip is XXXX on XXXX XXXX and XXXX XXXX this is unbelievebi am stress loosing my husband after 58 years, and I have to call and constellations go into the bank XXXX Branch manger didnt have a clue, and this is XXXX and they cant get anything straight. I dont no who is changing the figures or the amount, so please help.since they have taken so long and I am the victim and on social security thank you. I am XXXX years old and should not have to deal with the bank I am so stress over there incompetent, and their inaccuracy .Senior citizen in distress. Help!
Consumer complaint received 2020-07-27
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2018-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NY)

Hello, My name is XXXX, I have been a discover card member for several years. During my years with discover I had several financial struggles which led to the misuse of my credit card. I recently graduated from college in XX/XX/XXXX, and I paid off my remaining balance as soon as I got a stable job. I am writing this letter to ask if it would be possible to remove the two 30 day missed payments in XXXX and XX/XX/XXXX that I acquired during my time with discover. My goal was to pay off this card and I did. I would really like it if you could remove these two late payments. I am currently working on improving my credit score by paying off the debts that I acquire during college. I plan on going to grad school in a couple of years and I need to improve my credit to obtain loans. I am asking if it is in any way possible to remove those 2 missed 30 day payments. 
Thank you for your time, XXXX XXXX
Consumer complaint received 2018-11-09
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: EQUIFAX, INC. (NY)

Hello, I have at least four ( 4 ) hard inquiries on all three credit report agencies ( XXXX, XXXX, and Equifax ) as well as closed accounts that have since been satisfied in full via two collection agencies ( XXXX XXXX   and XXXX XXXX ). I've contacted all three agencies directly, as well as through XXXX XXXX and the erroneous information has not been removed.

I've worked really hard this past year to clean up my credit, I need to move XX/XX/2019 after my apartment lease is up yet these hard inquiries and closed account as previously mentioned, are either old or attempts to obtain credit in my name without my knowledge and consent. Any action you can take to aid in the removal of the negative information on my credit reports would be invaluable. 

Many thanks, XXXX XXXX
Consumer complaint received 2020-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (DC)

I'm attempting to make a payment to a service provider, and PNC does not permit XXXX to link my account. I do not know how to pay the provider now, and may lose a vital service that will be essential for my family. Frankly, it is unfathomable that a banking institution as large as PNC does not participate with XXXX, or what I assume is it's sister company XXXX, as my internet browser linked to instructions on paying this provider through XXXX.
Consumer complaint received 2020-07-27
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. (NY)

XX/XX/XXXX, XXXX I went to the Experian website to place a freeze on my credit report. When I went to the site it asked for my name and my password. That is all. When my password did not work it sent me an email where I could change it which I did then it took me to my daughters credit report. She is listed as living under my old address and old phone number and my email address. After several hours of phone calls and conversations including hour long wait times I still got no where. When I call Experian I have to give my name, SS #, my numerical address and my date of birth for security purposes. On the website there are none of these safeguards and accounts are linked to email addresses. Easy to obtain those and very easy to change the password and gain access to private information. I told Experian this needs to change because it is dangerous. I received scripted responses.
Consumer complaint received 2020-07-27
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My identity has been compromised. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (MD)

Dear CFPB Repr. The response providsed by Citibank is incorrect. Before making payment I called Cityibank and spoke with representitive who told me that first payment was going to be credited on XX/XX/XXXX instead of XX/XX/XXXX ( 2 days earlier ) and second, that payment was going to be applyed to the balance that was expiring on XX/XX/XXXX. Two weeks ago I spoke with Citibank in a regard to recording of my conversation and I was told that Citibank would proivide it but they have not so far. Recording of my conversation with Citibank will show that Reprsentitve mislead me and therefore payment was applied 2 days earlier. If representitve had not told me that payment was going to apply to other balance i would have waited 2 days and make payment later. Therefore, Citibank must provide recording of conversation to proof that there was no misleading. Please ask Citibank to provide recording. Thanks, XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. I am requesting this information to be reviewed for completeness, accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (LA)

As noted in the attached, I do not owe this debt. This information was sent to the company. My XXXX was extremely uncooperative when I tried explaining my case. He refused to allow me to speak to a manager in an attempt to resolve the discrepancy. 
I immediately sent an email to the company and proof documentation. 

I sent this communication to the company on XXXX, but I didn't get a response from them. They, however, placed this item as a collection on my report today XXXX- which is now harming my ability to get a mortgage account. 

Email to Pro Collect. 

Company Name : ProCollect Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : ( XXXX ) XXXX Hi XXXX XXXX, This is XXXX XXXX, and Im contacting you regarding account XXXX. We spoke earlier. Please see attached proof that I do not owe the debt indicated in this statement. 

As noted on the statement from XXXX XXXX, it states that I owed XXXX for an Earlier Termination Fee - dated XX/XX/20 As noted in the receipt from XXXX XXXX, I bought out the lease on XX/XX/20 per the signed managers signature. 

I have also attached my paid money order receipt which is dated XX/XX/20. 

I know you didnt believe me when speaking to you earlier, and you were clearly unwilling to help me by allowing me to speak with a manager. 

Im also prepared to send you a copy of my credit report to show you that this is not on my credit profile as of todays date. 

Please note that Im also exploring my legal option. I do not owe the debt indicated and noted in my statement. 

I am formally requesting that you suspend your collection efforts.
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX I deposited in my checking account number XXXX at XXXX  XXXX XXXX that is opened under the name of XXXXXXXX XXXX XXXX XXXX the check with number XXXX for the amount of XXXX dollars dated XX/XX/XXXX from XXXX XXXX. The bank who issued the check was Wells Fargo.The check was deposited ONE TIME and the funds for the check posted ONE TIME to my account. On XX/XX/XXXX the amount of XXXX dollars was pulled from my account by Wells Fargo stating that the check was double deposited which is false statement. During last conversation with a XXXX  XXXX XXXX representative they agreed that the check was deposited once and the bank who issued the check, Wells Fargo did not cover the check. Since somebody inside the bank made a mistake they want t cover it and declared the account at Wells Fargo having insufficient funds so the banks can cover their mistake .That is a wrong affirmation and the person who wrote the check DID have sufficient money in the account. Instead of fixing the issue XXXX  XXXX XXXX sent me to Wells Fargo to ask them directly for money. Both banks made an error and one of them kept my money.