davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Zions Debt Holdings (PA)

I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The accounting question is from Zion bt holdings who does not have certificate of authority to transact business in Pennsylvania making the contract void, unenforceable and illegal. Furthermore Zion has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, GLBA, ETFA, this is also fraud identity theft, harassment, i demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. Both companies have refused to send 1099 c despite the account being a charge off for well beyond the time permitted by The IRC. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This notice to all parties involved any further any further non compliance will be considered willful. Thank you in advance for your attention and care into this matter
Consumer complaint received 2017-12-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Hello, This is in regards to XXXX. 

XXXX/XXXX/XXXX - I received an incoming bitcoin transfer in the amount of XXXX in bitcoins. 

Within an hour the money should have become available to me because there were over XXXX confirmations. The transaction was still " pending '' in my account which means I have no access to it. 

XXXX/XXXX/XXXX - I opened a case and asked them what 's going on. I did n't hear anything. 

XXXX/XXXX/XXXX - I asked again what 's going on. Within 3 minutes I get a response back about network congestion and transaction fees which is not related to my issue. It seems like just a cut and paste reply. 

I reply a few hours later explaining this is not what is wrong in my case and provided them with details of my transaction and why I am sure it is something on their end. 

I hear nothing. 

XXXX/XXXX/XXXX - I write to them again asking for an update and explaining that this is something on their end. 

XXXX/XXXX/XXXX - I ask them again to please correct this error. I also try calling their customer support number but it tells me they are too busy and it hangs up on me. 

XXXX/XXXX/XXXX - I call the customer service number again and this time XXXX press 1XXXX which is an option to press if you think your account is hacked. This gets me through to someone after some time on hold. 

Customer service looks into my issue and agrees there is something wrong and they said they made a new case for me to the payments department and put the priority to 10. They said my old case was a priority 1 since it was in the general pool of cases. 

I see the new case has been opened in my account. 

XXXX/XXXX/XXXX - I reply to my old case telling them I 'm still waiting. I get another cut and paste reply about high traffic and website outages which again, is not related to my case. This reply was also dated XXXX/XXXX/XXXX for some reason but is listed after my XXXX/XXXX/XXXX message to them. 

XXXX/XXXX/XXXX - I reply to my new case asking if there are any updates.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American First Finance, Inc. (IL)

I contacted this company and informed them they had violated my rights as a consumer on or about the week of XX/XX/year> and I requested Verification of the removal of the alleged debt be sent via email to ( XXXX ). I informed them on the following laws Please be advised that, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus. You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. '' I am writing to inform you that I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. Please confirm in writing that you will not disclose my information to any credit reporting agency. Sincerely, XXXX XXXX XXXX Here are additional resources and information on debt collection regulations and consumer rights : *Federal Laws and Regulations : * 1. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. 2. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 3. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. *Consumer Rights : * 1. Right to dispute debts ( 15 U.S.C. 1692i ) 2.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

This complaint is regarding citibank 's inability to stop fraud on my account and then not reimbursing XXXX checks of my retirement money. 

The account I am talking about is mine and my wife'e joint account On XX/XX/XXXX around XXXX I opened up the citi mobile app and I saw fraudulent transactions. I right away called customer service and reported the unauthorized transactions. These are the following fraudulent transactions reference number XXXX - fraud deposit if {$5100.00} reference number XXXX - unauthorized withdrawal {$800.00} and {$200.00} reference number XXXX - unauthorized teller withdrawal {$2300.00} reference number XXXX - unauthorized withdrawal {$1000.00} My XXXX  social security deposit was deposited on XX/XX/XXXX - which is obviously after I reported the fraudulent activity. 
In the beginning of XXXX citibank had me open a new separate account. On that account in XX/XX/XXXX I got my next social security deposit. 

On the week XX/XX/XXXX I spoke to the bank on the phone to understand what was going on. They told me both of my accounts- both the original one with the fraudulent activity and the newer one they had me open in the beginning of XXXX- would be closed and did not give me a reason. 

On XX/XX/XXXX I went to my branch in XXXX XXXX, NY to discuss this and explained how was I supposed to live without my retirement money. They just told me to make a police report and submit for camera footage to be pulled to find who withdrew money from XXXX XXXX XXXX  which I have never been to. That day I filed a police report. 

That night we saw my wife 's separate citibank account- which is a separate account and NOT linked with this account- was blocked. When we called to ask about this, citibank did not give us a reason and instead used berating language with my family On XX/XX/XXXX I went to the branch to get my money from my account as I no longer wanted any relationship with this bank. However they refused to give me my XXXX  money - which is a total of {$3000.00} They also did not let me close my accounts saying that citibank will close it from their end. I find this extremely disturbing as this makes it look like I did something wrong and citibank wants to end their relationship with me. But the truth is that THEY FAILED to protect my account despite being their customer for many years and now I want to end my relationship with them. 

How am I - a retired person with no other source of income - supposed to live with my retirement money? They did not even give me my money from the new account they made me open in XXXX. How do I survive now? The amount of XXXX  XXXX  my family and I have been through has been awful. My wife is a patient with XXXX XXXX XXXX and felt XXXX  on the night of XX/XX/XXXX when all of this was happening that we had to keep checking her XXXX XXXX all night to make sure she was okay
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (PA)

I closed my account with XXXX over 3 years ago and they had to pay me for overdraft fees that never existed on my account. So then they reported me to Early Warning company preventing me from opening an account with another financial institution. 

I spoke with Bank Manager and she said it was a mistake however I received a letter stating that they found fraud on my account which is a lie. 

I have asked for documentation and they cant provide nothing but told me if I wanted to open an account with them I could. This is also affecting my granddaughter which her name was on my account.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FULTON FINANCIAL CORPORATION (VA)

Opened checking account on XX/XX/XXXX for advertised XXXXXXXX XXXX XXXX for recurring direct deposit of XXXXXXXX XXXX or more within 60 days of account opening Direct deposit of XXXX XXXX  was made on XX/XX/XXXX and a deposit of {$510.00} was made on XXXX Called XX/XX/XXXX said they had to have their back office research it and they'll call me back on XXXX  Called XX/XX/XXXX said they tried calling me saying they weren't going to honor the bonus because it wasn't a qualifying direct deposit. 

It was a direct deposit and I expect to have these terms honored.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MO)

I stopped making payments to XXXX in XX/XX/year> due to being unable to afford making payments and continued to not pay at the recommendation of a XXXX  party settlement agency ( XXXX XXXX ). I worked with this agency and XXXX in order to pay off a settled amount. 

I have paid this settled amount in full, but it is not being appropriately reflected in my credit report that it's been settled ; this is affecting my military processing procedure as it looks as if I've never paid off and resolved this, which will affect my security clearance process.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX open XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )
Consumer complaint received 2017-10-23
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. (MS)

I do not have a XXXX 's XXXX credit card but, there is an account showing on my credit report from XXXX XXXX. 

Please remove this account from my credit file.
Consumer complaint received 2023-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

I had multiple fraudulent charges on my credit card, Informed the credit card company it has been multiple months now with no updates. They keep telling me to wait I informed them about this issue multiple months ago.
Consumer complaint received 2024-09-27
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: Resurgent Capital Services L.P. (TX)

To Whom It May Concern, I am filing this complaint due to the ongoing and unlawful reporting practices by LVNV Funding, Resurgent Capital Services, and XXXX. Despite multiple disputes, including certified letters and an FTC Identity Theft Report, both Resurgent/LVNV and XXXX continue to violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Key Violations : Failure to Provide Proper Validation ( LVNV Funding and Resurgent Capital Services ) : I have repeatedly requested proper validation for the accounts in question, including the original contracts with wet signatures or digital proof of contract ( IP addresses and metadata ) if electronically signed. Instead, Resurgent Capital Services and LVNV Funding have provided irrelevant documents like bill statements and terms and conditions, which do not satisfy the requirements of proper validation under FCRA 15 U.S.C. 1681i and FDCPA 15 U.S.C. 1692g ( b ). 
They have also failed to show legitimate proof of my authorization for these accounts, making their continued reporting illegal. 
Continuous Reporting and Re-Aging ( LVNV Funding, Resurgent, and XXXX ) : LVNV Funding and Resurgent continue to report these accounts as " XXXX '' ( CO ) on a monthly basis, despite being charged off years ago. This constitutes re-aging, a violation of FCRA 15 U.S.C. 1681c ( a ) ( 4 ). 
XXXX, despite being notified of the disputes, has failed to stop reporting this inaccurate information and continues to reflect the false reporting by XXXX and XXXX. This is in violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to cease reporting inaccurate information upon notification of a dispute. 
Failure to Cease Reporting After Dispute ( XXXX and LVNV/Resurgent ) : Despite my multiple disputes, XXXX has continued to report these accounts without conducting a reasonable investigation as mandated by 15 U.S.C. 1681i. Simply " verifying '' with the creditor without obtaining proper evidence does not meet the legal standard. 
LVNV Funding and Resurgent have also failed to comply with 15 U.S.C. 1681s-2 ( b ) by continuing to report these accounts without proper validation, despite being informed of the dispute. 
Harm and Consequences : These unlawful practices have caused severe harm to my credit score, preventing me from securing necessary housing and loans. The continued re-aging and false reporting have also caused significant emotional distress and financial harm, as I am unable to move forward with important life decisions for myself and my family. 


Thank you for your attention to this serious issue.
Consumer complaint received 2020-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX HAVE NEGATIVE INFORMATION LISTED ON MY TRADE LINES. WHEN I CONTACTED XXXX XXXX I WAS TOLD BY THE CUSTOMER SERVICE REPRESENTATIVE THAT SHE HAD NO KNOWLEDGE OF MY ACCOUNT. ON MY TRADELINES, IT IS LISTED THAT THIS ACCOUNT WAS TRANSFERRED TO ANOTHER LENDER. I CAN'T GET VERIFICATION OF THIS DEBT AND WAS TOLD BY THE REPRESENTATIVE THAT THERE IS NO KNOWLEDGE OF THE ACCOUNT. WITH ALL THIS BEING SAID, THERE SHOULD BE NO NEGATIVE INFORMATION LISTED ON MY TRADELINES AT THIS POINT. I HAVE FILED DISPUTES, AND ATTEMPTED TO CONTACT THE COMPANY WITH NO SUCCESS. I HAVE FILED DISPUTES WITH XXXX, XXXX  AND EQUIFAX WHO ALLEGEDLY VERIFIED THAT THIS WAS ACCURATE INFORMATION. NEITHER CREDIT REPORTING COMPANY CAN PRODUCE THE VERIFICATION THAT ALLEGEDLY OBTAINED TO VERIFY THE DEBT.
Consumer complaint received 2024-09-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MN)

Navient is my private student loan servicer. I attended XXXX XXXX from XXXX and my school was sued by the federal government of misconduct. The federal government XXXX my federal loans due to my school 's misconduct. I applied to discharge my private loans using XXXX XXXX XXXX XXXX XXXX application. My request was denied citing no specific details except the following reply. " Navient carefully considers a variety of factors in determining whether a private loan should be XXXX based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' If my school was sued by the federal government of school misconduct why do I have to jump through hoops to get my private student loans XXXX? I made sure to provide as much information in my application as possible and the level of detail they are requesting is intrusive and unnecessary to receive discharge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also cited the XXXX XXXX stating Navient knowingly took on this bad debt. and is continuing to collect on this debt even though they know the practices of this school were fraudulent. 

The generic response and the act of even having to submit an application is egregious.
Consumer complaint received 2024-09-29
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: F.H. Cann & Associates, Inc. (TX)

I do not have any debt with this company. They are harassing me about a debt I know nothing about. I am receiving text messages from this company and I have not given them any information or permission to contact me. They are sending me text messages and calling me after I gave them a legal verbal notice to cease and desist any and all contact with me, they still call and harass me. I am attaching a copy of the text message the company harassed me through unauthorized text messages and they still harass me.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My XXXX payment was reported late, this was due to a natural disaster ( hurricane XXXX ). I tried to make my payments online, the payment was submitted before the due date but didnt go through uniting after the storm due to not having cell service or wifi. I even tried to go out during the storm to the bank and make my payment in person but the bank was closed. I did everything I could to make that payment on time but it was ultimately out of my hands, and now the late payment is being reported on my credit and is causing my score to go down almost XXXX points. This action is threatening my livelihood and preventing me from getting approved for a home and or any other credit checks I need to obtain things I need for daily living. I believe this late payment should be taken off of my account because it was due to a natural disaster.
Consumer complaint received 2024-09-27
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: MAS FINANCIAL SERVICES, INC. (CA)

Unreleased title after promising to turn over title with settlement agreement. Its been over 30 days. 35 days to be exact Incorrect credit reporting after filing dispute, company incorrectly reported the balance after receiving my claim to the credit bureau Contacted XXXXXXXX XXXXXX/XX/year> and they confirmed they have not received a request to release the title and are not behind on processing. These request fake no longer than 10 business days.