davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (PA)

Have been locked out of my Coinbase account for over a month now when I did not request it. I have over {$7500.00} locked on their site with no way to access. I reached out to customer support which told me 3-4 days for a response and still havent gotten one, I also reached out to customer complaints which said 15 days for a response and still havent gotten one. Theres no way to get ahold of any one to retrieve my account so theyre essentially stealing my money without me even approving of my account being locked
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Consumer complaint received 2021-03-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report over 45 days ago. And I have not received a response yet. This is uncalled for and you are taking advantage of me during a time of Covid. This was very time consuming for me to write a letter to the credit bureaus and I paid money to USPS to send these letters out. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Accounts Interchange Group LLC (FL)

Days following up to XX/XX/XXXX a XXXX from AIG ( accounts interchange group ) contacted me about a debt from XXXX the XXXX XXXX XXXX. This was a legitimate debt but the way it was handled was very unprofessional. XXXX left me a voicemail on my business phone and because he heard what the name of my company was, he threatened on the call and said thats fine Ill just be contacting your management company and they can give me the information I need to garnish your wages I told him that I was not able to receive personal calls at work and also told him that my company has nothing to do with my debts. I also told him that I didnt want him to contact me anymore just like it says on the companies website. he kept on and on and in a threatening tone the whole time told me that if I didnt pay by the end of business that day, that I would be going to court. I felt that the threats would not end and had just recently received a XXXX at work and did not want my job contacted over something so silly that I ended up paying him the XXXX that was owed. He told me it was too late to do any sort of payment plan eventhough this was the first time I had ever even been contacted about this debt from 2016
Consumer complaint received 2021-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I submitted letters towards the end of XX/XX/2021 disputing inaccuracies on my report. I have even contacted them and was on hold for hours just to have the call disconnected. It's been well over 30 days and no response. I request for the to delete everything listed in the attached documents due to them violating FCRA laws.
Consumer complaint received 2024-09-09
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. (TX)

In accordance with the Fair Credit Reporting act Convergent : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 2021-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (MA)

Hello, On XX/XX/2020, My TD Bank accounts were hacked and drained. It started with a call from the TD Bank fraud alert number calling me. I verified the number and was ( what I thought ) assisted by a fraud employee. After following what the fraud employee told me to do, ALL MY MONEY WAS STOLEN!!!! To make it even worse, I went to my local branch in tears. They filed a complaint for me, I went to the police dept. and filed a complaint as directed. Pictures of my phone were taken and verified it WAS TD Banks number. The bank found ME at fault. I refiled the complaint per my XXXX, Ma Branches direction. I again was found at fault. TD Banks response was that I agreed to the hackers requests. I stated that IT WAS TD BANK THAT I WAS ON THE PHONE WITH. Td BANKS RESPONSE : But it was a phishing call!!!! Sorry there is nothing we can do. HOW WAS I SUPPOSE TO KNOW THAT???? 
I have been with the bank since they opened. Nothing they can do to help me???? I am floored and very disappointed with the response and assistance I have received. I am a XXXX and I work 2 jobs and place everything I work for in the hands of TD Bank for what??? 2 WEEKS BEFORE XXXX, I LOST EVERYTHING I WORK FOR. They again told me today per the Leadership team, that I agreed to the withdrawals. I again explained that the calls were from TD Bank. XXXX ( Bank rep ) stated that TD Bank would not have called me like that. I do not know where else to turn. 
Please help. 
Thank you for your consideration in this matter. 
XXXX XXXX
Consumer complaint received 2023-06-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (SC)

XX/XX/XXXX purchased my home, over paid escrow til XX/XX/XXXX. taxes from escrow were sent to county and formatted incorrectly. county sent them back. Now ameris bank is telling me they are not sure there are any funds to pay this. I had to pay taxes 5 months late. due on XX/XX/XXXX i paid them out of pocket in XXXX. Bank is now refusing to reimburse me because it has been being researched since XXXX. no one will contact me. bank will not allow me to speak with tax or escrow department. this is Ameris bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX All bills and receipts from the county were sent to research dept XXXX XXXXXXXX XXXX XXXX He has confirmed he has them, but only responds to emails 1 time a month. Same statement each time and that is " no resolution, we are still researching this ''
Consumer complaint received 2023-06-09
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I keep getting hard inquires from capital one when I havent requested capital one y would I request credit thre days apart they are constantly putting a hard inquiry on my account when I am not applying
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

I have a dismissed chapter XXXX bankruptcy on my credit report which Equifax claimed was verified by The Bankruptcy Courts and I contacted the courts and they stated they do not provide infomation to the credit reporting agencies aIso I do not presently have a dismissed chapter XXXX bk in my XXXX XXXX. I forwarded Equifax a letter stating that the courts do not provide information to credit reporting bureaus be it through mail, email, phone or fax. The reporting date filed, reference number, closing date, and the courts name is not present which are alI over the place and it make no sense. I also sent them a letter disputing their verification method and that if it is not accurate the dismissed Chapter XXXX Bankruptcy should be removed. 
Chapter XXXX Bankruptcy Status : Dismissed Date Filed/Reported : XX/XX/2018 Reference # : XXXX Closing Date : XX/XX/2018 - Asset Amount : {$0.00} Court : Federal Liability : Exempt Amount : {$0.00}
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion credit reporting agency XXXX XXXX XXXX XXXX XXXX XXXX is violating my rights under the FDCPA. This account deleted off of my credit report from the original company reporting to my credit report and now a third party company XXXX XXXX XXXX XXXX XXXX XXXX ) is reporting the same collection account to my credit report that has already been deleted. I have no knowledge of who XXXX XXXX XXXX XXXX XXXX is and they are claiming to be the original creditor as well. This account should be promptly removed from my account.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am writing to Capital One. I have two accounts Date opened XX/XX/XXXX with missed payment ( XX/XX/XXXX ) and Date opened XX/XX/XXXX with missed payment ( XX/XX/XXXX ). Payment problems appeared due to the pandemic. I am kindly requesting Capital One agency to remove this missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2021-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Commonwealth Financial Systems , Inc. Commonwealth Financial Systems , Inc has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of Commonwealth Financial Systems , Inc . They received it certified mail and signed off at XXXX XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

on XX/XX/2020 I received funds from the State of Arizona for my unemployment claim that was sent to my fiancs Bank of America checking account. My fianc had my power of attorney and went to the bank to add me to her account and was told that she could not do that. Due to the funds being sent in my name and not being on her account they closed her account causes her funds from SBA to be held ( which she has now received ) but along with my funds of {$9400.00} and they closed the account without releasing the funds. We have contacted Bank of America and they give us the run around regarding releasing the funds and to contact the State of Arizona, but when I contacted the State they said that the funds were submitted and that I would need to contact Bank of America.
Consumer complaint received 2024-09-09
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. (SC)

I am writing to inform the CFPB of my status as a victim of XXXX XXXX and the resulting impact on my credit reports. During the time I was XXXX, fraudulent accounts were opened in my name without my consent, which severely damaged my credit. These accounts are still appearing on my credit reports, despite my efforts to have them removed through the Fair Credit Reporting Act ( FCRA ) Section 605C.

Below is a summary of the situation : 1. XXXX  Details : I was a victim of XXXX XXXX, during which time personal and financial information was misused by the XXXX  to open several credit accounts. These accounts are fraudulent, and I had no control or knowledge of their creation.

2. Credit Impact : The fraudulent accounts resulted in significant negative entries on my credit report, including charge-offs and collection accounts. These entries have severely impacted my credit score, causing difficulties in obtaining housing, credit, and employment.

3. Legal Protections : XXXX  XXXXs Protection Act ( TVPA ) : Under this federal law, victims of XXXX XXXX are provided legal protections, including the right to remove financial harm caused by their exploitation, such as fraudulent debts or accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) : This law enhances protections for XXXX  XXXX  by expanding their rights and ensuring that financial and legal consequences resulting from XXXX, such as fraudulent accounts, can be addressed. 
Fair Credit Reporting Act ( FCRA ) Section 605C : This section of the FCRA grants XXXX  XXXX  the right to request that any negative credit report entries directly resulting from XXXX  be blocked and removed. I have invoked my rights under this section to have the fraudulent accounts removed from my credit report. 
4. Attempts to Resolve : I have already submitted a XXXX  block request to the major credit reporting agencies under FCRA Section 605C, along with supporting documentation, including my drivers license, utility bill, Social Security number, and a Self-Attestation Form confirming my status as a human XXXX XXXX.

5. Request for Assistance : I am requesting the CFPBs assistance in ensuring that these fraudulent accounts are removed from my credit report and that my rights under the FCRA and other applicable laws are upheld. 

The accounts involved in this situation include, but are not limited to : XXXX XXXX XXXX XXXX - Account No : XXXX XXXX XXXX XXXX XXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX  - Account No : XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX- Account No : XXXX I appreciate the CFPBs attention to this matter and hope for your assistance in resolving this issue as soon as possible.
Consumer complaint received 2021-03-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

I saw a collection on all 3 credit bureaus on my report from DEBT RECOVERY SOLUTIONS for {$580.00}. Acct number XXXX. THIS IS NOT MY DEBT! I did not get a PAYDAY LOAN FROM XXXX XXXX. I never received correspondence from this company stating that, I owed the money, or was aware of this debt. This is illegal and unethical practice. A company should not have the authority to place a collection/debt on a consumers credit file without correspondence or proof of debt owed.
Consumer complaint received 2021-03-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (PA)

In XXXX of XXXX I had borrowed {$3200.00} from one main financial at an annual interest rate of 26.36 %. 
My monthly payment was XXXX which I paid all the way up till XXXX. So XXXX, XXXX, and XXXX. 
My pay off amount on XX/XX/XXXX of XXXX was XXXX. I spoke with the representative at the XXXX office if I could pay XXXX and pay off the rest over the next few months. She said yes. Made a XXXX $ payment to the principal. Therefore the balance of my loan should have been XXXX. 
I continued my XXXX payments for the months of XXXX, XXXX, XXXX, XXXX, and XXXX. Come XXXX I called and said there's no way I should still be paying on this debt as I had paid 5 months at XXXX $ which was almost XXXX XXXX Yet my balance was only XXXX in XXXX. They gave me a payoff amount in XXXX of XXXX which was XXXX. 
I filed a dispute with them and complained and said this can not be right. 
They never contacted me once..in XXXX I contacted them after I have completely stopped my payments in XXXX. They said they thought their credit team would reach out. ( They didn't ). Now in early XXXX of XXXX I contacted them again as no one has still contacted me and it showed up on my credit report. They assured me someone would call to get this debt resolved which they now say is over XXXX XXXX It is now XXXX. No one has contacted me and I feel I've been badly mistreated by this company.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to bring to your attention the fraudulent personal information associated with my identity. Several accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I have reported this incident as a victim of identity theft, and it is crucial to address this matter promptly, as it negatively impacts my financial well-being and personal reputation. 

I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

To Capital one I have previously sent u a request to validate my debt acct # XXXX. Under the fair dabt collections practices Act fdcpa i have the right to request validation of the debt you say i owe u. I have given you 30 days to remedy the situation which is a very reasonable period i have received no reply from you. Since you are still reporting this account on my credit report you are now in violation of the fcpda and are now subject to fines of {$1000.00} which i may collect from you by filing claim in small claims court. You should be aware that reporting such invalidated info to major credit bureaus might constitute defamation of character as the negative marks on my report harm my credit and prevent me from enjoying all benefits of good credit.im sure your legal team will agree that non compliance with this request could put your company in serious legal trouble with ftc and state or federal agencies.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had noticed fraudulent charges in XX/XX/XXXX, related to the CA EDD fraud that has inflicted the system both on XXXX and BoA sides. XXXX then requested BoA to freeze several accounts due to the fraudulent actors in order to verify the ID of benefit recipients. 

In XX/XX/XXXX my ID had finally been verified by XXXX. I had contacted BoA for the status on my account and they had instructed me to call back to XXXX, and provided me with no other information. I've called both XXXX and confirmed with my state senator 's office that my ID has been verified and all actions need to be with BoA. I have relayed this to BoA as well, and submitted furthermore unfreeze requests with BoA, the last being in XX/XX/XXXX. After speaking with several representatives, I had then learned about the unfreeze requests and I'm told to wait an uncertain amount of time for the requests to process. It has been approximately 3 months since my first request. 

Each and every further call I am told to wait and only call back to verify the status of my account, or receive a letter in the mail. Due to this issue with no timeframe and deadline, I have been forced into financial strains with no foreseeable resolution due to BoA 's inaction or insufficient service, believed to be contracted by the state of CA. BoA claims to have increased capacity to help assist with these issues but XXXX has processed requests faster than BoA.
Consumer complaint received 2024-09-09
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. (NY)

I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update or get rid of the account from my file. 
XXXX XXXX XXXX XXXXXXXX Balance : {$36000.00}