davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: EAST WEST BANK (CA)

This can best be explained by sending you the text of what I sent to EastWest BankXXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- I just heard from XXXX XXXX that you are refusing their request to refund the money they sent to you on my behalf. They told me that the reason is you suspect I have perpetrated a fraud or am the victim of a fraud. This is the first I have heard of this and I am amazed that you did not even reach out to me or XXXX XXXX about this serious accusation. In America, when someone is accused of a crime, you accuse them and show them the evidence. You did not do this in this case. Just for your information, I have never been convicted of a crime in my LIFE. I have not even been arrested on suspicion of a crime in my LIFE. I am a credentialed public high school teacher and like to think I am an honorable and honest person and I find the simple accusation of fraud deeply offensive. The only fraud being committed here is by EastWest who has taken my money and refused to return it. 
I feel there is XXXX profiling at play here where you see an XXXX XXXX  man who is corresponding with a young XXXX women and the immediate assumption is " Oh this must be fraud '' ( and I was told this in so many words by one of your employees ). There are serious penalties for XXXX Profiling, which is a type of fraud in itself so EastWest is on notice that that is the type of fraud THEY are committing. I am also complaining to the Consumer Financial Protection Agency which is the government agency that regulates you, so expect to hear from them very soon. And just a heads up, they do not look kindly to XXXX Profiling. The fact that you accept people 's money and refuse to return it and not even give a REASON why you are not returning it, is also illegal and I will tell you now they will be looking at that and they take that type of thing very seriously. 
I have also picketed XXXX XXXX XXXX XXXXXXXX XXXX, where I carry a big sign saying EASTWEST BANK STOLE MY MONEYXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I will do this daily until you decide to obey the law and refund my money. 
Please call me about this if you have the courage. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX CA XXXX ( XXXX ) XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2021-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

On XX/XX/21 my phone lost service around XXXX I tried to turn phone off and on noticed that my phone still wasnt working I then proceeded to check my email and noticed password reset to my email and coinbase account using sms XXXX. After noticing what was going on immediately contacted former cell provider XXXX XXXX XXXX XXXX XXXX them to transfer back my number to my phone because it was an unauthorized transfer, and regained access around XXXX to my cellphone. I than email and called coinbase number to lock my account which they failed to do and allowed the pending transfer that was on temporary hold until XX/XX/21 from XX/XX/21 to XX/XX/21 Ive been in contact with coinbase support who admitted in email they noticed and unauthorized transactions stealing {$7000.00} out of my account and additional {$1000.00} from my bank and that it was my fault for not securing my information properly which is false I did secure all information. They also repeatedly blocked my email every time I responded to them. On XXXX coinbase reveal that there was a breach in the company dating back to XXXX and XXXX customers including myself was a victim to hacks by a bad actor and that they would refund customers affected. On XXXX I asked company for promised refund due to the company security flaw they denied security flaw and reimbursement and stated that it was my fault today on XXXX that my information was breached and that they wouldnt reimburse me. I think the company is stealing from the customers and trying to cover it up since they are not regulated.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am writing to bring to your attention a matter of utmost urgency concerning my credit report. It has come to my notice that there has been a case of identity theft affecting my credit profile, and despite my efforts to rectify the situation, there seems to be a lack of action on your part. 

Upon reviewing my credit report, I identified unauthorized transactions and accounts that do not belong to me. I promptly reported these discrepancies through your XXXX, Equifax, and XXXX 's dispute resolution process on XX/XX/, providing all necessary supporting documentation. 

Regrettably, I have not witnessed any significant progress in resolving this matter, and it raises concerns about the efficiency of your identity theft resolution procedures. I would like to remind you that, under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to a fair and timely investigation into any reported discrepancies on their credit reports as well blocked and the removal of any fraudulent accounts due to identity theft. 

I believe there might be a violation of credit laws in the handling of my case. I urge you to investigate this matter with utmost priority and transparency, ensuring compliance with all relevant laws and regulations. Additionally, I would appreciate regular updates on the progress of the investigation and the steps being taken to rectify the inaccuracies in my credit report.
Consumer complaint received 2022-11-03
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: Experian Information Solutions Inc. (PA)

I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

The disputed account : XXXX XXXX XXXX  XXXX XXXX {$520.00} According to the law 15 U.S. Code 1681i - If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This matter is a violation of my rights and I would like this account deleted from my account on these bureaus.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NJ)

I, XXXX XXXX XXXX XXXX, under the penalty of perjury affirm that all forthcoming statements are true. In XXXXXXXX XXXX XXXX I submitted a CFPB complaint against XXXX for reporting unverifiable public record information to my XXXX credit report and file. The unverifiable public record account being reported by XXXX is as listed : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX claims that this public record being reported has permissible purpose because it was verified as accurate by reseller Lexis Nexis as of XX/XX/2022 but Lexis Nexis is saying the complete opposite. Lexis Nexis is saying that the public record is unverifiable at that Lexis Nexis has made the decision to delete and remove the unverifiable public record information as of XX/XX/2022. XXXX claim they investigated this dispute and that it was verified as accurate by Lexis Nexis but there is no way they attempted to investigate the accuracy of the information if LEXIS Nexis is saying that the information is unverifiable. If Lexis Nexis sold this information to XXXX and are now saying they can not verify the information and the XXXX XXXX XXXX located in XXXX is also saying that they do not verify or validate disputed information, then that means that XXXX has no way of validating this disputed public record information and shall delete the fraudulent account immediately pursuant to Fair Credit Reporting Act subsection 15 USC 1681b. If XXXX refuses to delete this public record account that can not be verified or validated, then I will be forced to pursue remedy by filing a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX  before a competent court of law! XXXX can be held liable criminally and civilly for these FCRA violations. Delete public record account immediately as it lacks permissible purpose for reporting and also continues to violate my federally protected rights now making me a victim.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On Friday XX/XX/2022 my debit card would not work. 
I called Capital One and they informed me my account was being phased out, according to a letter they had sent me 60 days ago. They said within 3-4 business days they would be mailing me a check for {$780.00} which I would receive in seven to ten business days. 

I informed the representative I did not receive a letter. 

On Monday XXXX, 2022 I called Capital One to check on the status of my account, I asked why they could receive a deposit while my account was on hold or closed, they informed me the deposit went through because the account number was correct. 
When I asked what amount would be sent, they again said {$780.00}. When I asked when or for a check number, they would not provide me with either. 

On Tuesday XXXX XXXX a check was deposited into the account for {$1700.00} and even though the account was on hold they received the deposit. This changed the amount in my account to {$2500.00}. So, I waited a day to call Capital One Customer Service. I wanted to see if they refused the deposit to an account on hold. 

On Wednesday XXXX XXXX when I opened my account, they had accepted the deposit leaving my account balance at {$2500.00}. They also accepted a pending payment transaction from their institution for a {$500.00}. 

When I called to ask why a deposit and pending transaction were being accepted to an account on hold, they could not explain this matter to me. They said now it would not be sending my funds until Monday XXXX XXXX if the account is closed today. 
I asked to speak with a supervisor I was informed I was speaking to a supervisor. 
XXXX employee # XXXX. I asked for a copy of the conversation and a copy of the letter. I was informed neither were available to me. 
I'm not sure if Capital one is breaking any federal banking regulations. I am sure that their actions have been extremely irregular at best.
Consumer complaint received 2022-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OH)

XXXX XXXX, XXXX is trying to sue me for a debt and I dont know who they are, I have never done any business with them. Apparently they also have my social security number, which I didnt give to them. I dont know them or have a contract, I never agreed to give them any of my information. My identity has been stolen and my consumer rights have been violated.
Consumer complaint received 2022-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

I was scammed out of {$2000.00} from my Chase bank account. I was told to wire/send money towards a rental deposit to another person 's account via XXXX. That same day I tried to have the transaction canceled or reversed and I had provided information to my bank to do so while the status was still pending. They refused to cancel or stop the transaction, nor did they provide any evidence of action/ provide follow up to the issue. I created a dispute, and tried multiple times to reach out to my bank and they have not been able to provide any assistance. I asked Chase to provide me some documentation showing I filed the dispute so that I can go to the police to file a report but they stated they " can not email me a reference number/ claim number for the dispute I initially tried to create. Now I have lost the ability to dispute the transaction. The account my money was transferred to is still active and capable of scamming others and although the information of that other account is accessible to the bank they refuse to retrieve the funds. I have attempted to request the money back via XXXX through my Chase app and the scammer is denying the return of funds.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (RI)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated or corrected. 
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
Consumer complaint received 2023-12-27
Product: Credit reporting 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)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NH)

I am filing this complaint due to Equifax 's mishandling of my identity theft report and its failure to comply with FCRA Section XXXX. Despite my submission of a XXXX deletion request on XX/XX/year>, through CFPB complaint # XXXX, Equifax has not removed fraudulent accounts from my credit report within the legally mandated XXXX business days. My request included a sworn crime report, proof of identity, and proof of address. Multiple follow-up calls with Equifax supervisors have not resolved this issue. 

Timeline of Events and Relevant Details : XX/XX/year> : Submitted a XXXX deletion request to Equifax with all required documentation to block fraudulent accounts via CFPB complaint # XXXX. 

XX/XX/year> : Contacted Equifax to check the status of my request. XXXX XXXX ( XXXX # XXXX ) indicated that the dispute was still under investigation, despite XXXX not requiring creditor verification. 

XX/XX/year> : XXXX XXXX ( XXXX # XXXX ) reiterated that the dispute was ongoing. I reminded him that FCRA Section XXXX mandates no further investigation once an identity theft affidavit is submitted. 

XX/XX/year> : XXXX XXXX ( XXXX # XXXX ) stated that my XXXX request could not be blocked and that I would need to wait XXXX days, contradicting the laws XXXX processing requirement. 

XXXX XXXX XXXX : Spoke with multiple Equifax representatives to clarify my request : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX # XXXX ) incorrectly opened a regular dispute rather than a XXXX block. 
XXXX XXXX ( XXXX # XXXX ) : Informed me that he could not assist with the fraudulent account issue. 
XXXX XXXX ( XXXX # XXXX ) : Stated that she could not help ( Complaint # XXXX ). 
XXXX XXXX ( XXXX # XXXX ) : Claimed that Equifax employees could not review dispute documents and only the back-office team could handle this task. 
Concerns and Requests : Equifax has repeatedly mishandled my XXXX deletion request, treating it as a standard dispute and ignoring legal requirements to block fraudulent accounts without further investigation. This has resulted in delays that violate my rights under FCRA XXXX and XXXX.
Consumer complaint received 2023-12-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CLGF Holdco 1, LLC (CA)

Transition notified me there was a hard impact to my credit on XX/XX/23 It was apparently by FEB/DESTINY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS PHONE NUMBER IS OUT OF SERVICEthe Apparently on behalf of XXXX XXXX XXXX CALLED Them and they refused to give me any information or help own XX/XX/23
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

it is my belief that my information was used in an identity thief from my ex landlord when i was doing repairs on the house and his sister that was getting rent from me but was not reporting it to the Michigan department of human services. i informed them that i was going to expose the matter. i was removed from the home years ago and unfortunately some of my mail continued to be sent to that address. i reported the use of my information to XXXX that has reported this item on my credit report which is hurting my credit score as we speak. my id number with the ftc XXXX doing the Covid 19 relief funds they tried to get me to fill out forms to submit for non payment but i had receipts that i paid rent. most of the family has moved out of town or deceased. also this not being my loan i did in fact submit repayment because it coming in my name. Section 22750. ( a ) states if any amount other than, or in excess of, the charges permitted by this division is willfully charged, contracted for, or received, the contract of the loan is void, and no person has any right to collect or receive any principal, charges, or recompense in connection with the transaction. ( b ) if any provision of this division is willfully violated in the making or collection of a loan, whether by license or by an unlicensed person subject to this division, the contract of loan is void, and no person has any right to collect or receive any principal, charges, or recompense in connection with the transaction ( Amended by Stats 2013, ch 467, sec3.. ( SB 318 ) Effective XXXX XXXX, XXXX
Consumer complaint received 2021-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (OH)

I have contacted PayPal and they have said there is no such bill outstanding due them.From my account. I have since closed my account. 


First notice for collection was recieved on XXXX from : XXXX XXXX XXXX XXXX XXXX 
Phone No. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
The notice said I owed {$120.00}. 


The second notice I recieved was from a different place. This notice said same amount {$120.00}. 
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX 
XXXX, DE XXXX phone no. XXXX When I called it went straight to music. 

My name is XXXX XXXX XXXX XXXX phone no. XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

XXXX has continued to report to collections an account opened over 7 years ago that was opened under false pretences. Most recently upon request to dispute ( 10 + attempts previously ) they have reported this as a newer account opened in 2019. This account was opened fraudulently by a family member but no legal action was taken on my part. They continue to reopen and deny all previous disputes.