davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-29
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX  XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-07-29
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (WA)

Related to case : XXXX Venmo/Synchony is lying and giving false information to CFPB. 

They billed me XXXX times for this charge, and only credited me twice. Therefore, they have billed me for something that was a fraudulent charge. 

I have called XXXX times to discuss this with Synchony/Venmo. They also DELETED all copies of the messages ( but I have proof since I screenshot them all ). I asked for them to tell me why this happened and it is always " escalated to corporate '' but it has been that way for years. I was rebilled this charge WITH NO INVESTIGATION DONE BY THEM which breaks their T+C. I legally demand a credit of this amount, and I also demand an answer WHY they decided to close my card once I demanded a proper response. CFPB, please read : they closed my account when I demanded to know why they rebilled me and deleted all prior messages. I have asked if I can sue or if I need to arbitrate, and they will not answer. This company is acting illegally, and they have been taking interest payments for invalid charges that they refused to investigate, have closed my account over when I try to find out why, and have harassed me since. CFPB is called the XXXX XXXX. I need protection.
Consumer complaint received 2023-07-29
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payments on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because these are obviously billing errors, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed accounts are listed below. 
XXXX XXXX Account # : XXXX Balance : {$500.00} Open Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX Balance : {$3000.00} Open Date : XX/XX/XXXX XXXX
Consumer complaint received 2023-07-29
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. (TX)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX
Consumer complaint received 2023-07-31
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. (CA)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts and inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please remove these items ASAP.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-07-29
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: Experian Information Solutions Inc. (CA)

This was submitted in 2021 and it would not let me dispute it again online as Experian said they stand by their information collected. I would arguably disagree as they are citing they are receiving information verified with the AZ courts. It is clear they do not report to you or any credit bureau for that matter ( see below ) therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

The Bankruptcy Court has no interaction with credit bureaus, including XXXX, XXXX, and Experian. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 



Kind regards, XXXX XXXX
Consumer complaint received 2023-07-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (SD)

I am reaching out to express my concerns about consistent delays Ive been experiencing with cryptocurrency unstaking transactions on the platform provided by Coinbase , Inc . 

As a diligent participant in the cryptocurrency market, I rely on the timeliness and reliability of services offered by platforms like Coinbase. However, Ive noticed recurring delays in the processing of my unstaking transactions, which significantly affects my ability to manage my digital assets. 

While I understand that a variety of factors such as network congestion and pre-determined unstaking periods can contribute to these delays, the consistent nature of these setbacks leads me to believe that there may be deeper underlying issues. 

Given the regulatory oversight and consumer protection mandate of your agency, I believe it is crucial to bring this matter to your attention. The growth and integrity of the cryptocurrency market depend largely on the reliability and trustworthiness of these platforms, and consistent delays in transactions can undermine this trust. 

I kindly request your agency to investigate this matter, and, if necessary, engage with Coinbase to ensure the provision of timely and reliable service for all users. 

I look forward to any response or guidance you may be able to provide on this issue, and I appreciate your time and attention to this matter.
Consumer complaint received 2023-08-11
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)

XXXX XXXXXXXX XXXX Acct # XXXX on XX/XX/23 & XX/XX/23 violated my rights according to 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose. Creditor sent a letter to rectify this.
Consumer complaint received 2023-07-29
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. (PA)

To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified, It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, Incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : are fraudulent accounts XXXX XXXX
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Request for Deletion of Closed Account from Credit Report I hope this letter finds you well. I am writing to bring your attention to an item on my credit report that requires immediate attention. The purpose of this correspondence is to request the removal of a closed account from my credit report. 

XXXX I recently obtained a copy of my credit report and was disheartened to find that this closed account is still being reported. Although this account was closed. it continues to have a negative impact on my credit score and overall financial standing. 

I would like to emphasize that this account was closed in good standing and all associated obligations were fulfilled as per the terms and conditions outlined by the creditor. Consequently, it is only fair that the presence of this closed account on my credit report be rectified to reflect an accurate representation of my creditworthiness. 

In accordance with the Fair Credit Reporting Act, I kindly request that you investigate this matter and take prompt action to remove this closed account from my credit report. Please provide written confirmation once the account has been successfully deleted. 

I have enclosed copies of supporting documents, including statements, correspondence, or any other relevant information that may assist in the resolution of this matter. 

Thank you for your prompt attention to this request. I have faith in your ability to handle this matter efficiently and ensure that my credit report accurately reflects my financial standing. Should you require any further information, please do not hesitate to contact me at the address or phone number provided above. 

I look forward to your positive response and a swift resolution of this issue. 

Thank you for your time,
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc. (AZ)

I have had fraud on my Wisely Debit ( Global Cash Card ) account. Wisely provides " pay card '' services to employees of XXXX XXXX in Arizona. 

I had fraud on my account in XXXX 2023 ( {$8200.00} ) and then again in XX/XX/2023 ( {$8600.00} ). Both times, Wisely has been the absolute worst to deal with and void of any support to the consumer. In XXXX, I had to obtain help from ADP in order to receive the refund and some support with getting my funds back. Now, a few months later and after receiving new debit card, Wisely has allowed MORE fraudulent activity to occur on my account without any notification or sense to stop it. Any other banking institution would notify their customers of suspicious activity and stop the payments. 

Please note the following issues with the most recent incident : -Wisely refuses to email a letter that must be filled/signed in order for an investigated or or refund. They instead mail a letter, that took several weeks to be delivered in the XXXX incident. 
-The funds will not be returned until the investigation is completed. 
-They are unknowledgeable of policies and regulations/laws, and lie to consumers. After speaking with a supervisor, I was informed a letter can be emailed instead. 2 days later and no email, I contact them again and the next supervisor indicated that it can not be emailed and I was misinformed. 
-After locking my card via app AND contacting them to inform them of the fraud, they indicated they locked the card and account. Wisely CONTINUED to allow fraudulent activity on my card and MORE of my hard-earned money was stolen. 

This is blatant violation of consumer and citizen rights. 

-I grant permission for CFPB to obtain my call records from Wisely to investigate this. 
-I have also filed a complaint with the Arizona Attorney General 's office ( # XXXX ) to inform them of Wiseley 's fraudulent behaviors. 

Most recent complaint reference with Wisely : # XXXX Funds and dates of fraud : XX/XX/2023 : {$1000.00} XX/XX/2023 : {$1500.00} XX/XX/2023 : {$1300.00} XX/XX/2023 : {$1300.00} XX/XX/2023 : {$1700.00} XX/XX/2023 : {$1700.00}
Consumer complaint received 2024-10-09
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: AMERICAN EXPRESS COMPANY (OR)

This complaint is based on previous complaint XXXX. 

On XX/XX/XXXX, Amex dispute team ( XXXX ) called me and asked me whether I have documents that can prove I did not receive the package from the merchant. I told he that I already uploaded that document ( email from the XXXX agent ) at the very beginning and asked him at least to read it. He read it and the phone call only last 2 minutes. 

On XX/XX/XXXX, Amex dispute team ( XXXX ) called me again and asked me exactly the same question : Do I have any documents that shows I did not receive the package. I told him again and ask him to at least read the documents I uploaded. 

Today ( XX/XX/XXXX ), I received a message from Amex of the update about my dispute. The result is exactly the same as previously one I received in XXXX : Here 's what to expect : We've rebilled this amount to your account, and you'll see it reflected on your next billing statement. Please note, we've removed information from the attached documentation that wasn't relevant to this dispute. 

The keep saying that merchant has provided supporting documentation which includes tracking information and detailed explanation stating that the merchandise was successfully delivered on XXXX XXXX, via XXXX  at XXXX A.M with tracking # XXXX. 
However, I have emails from XXXX claim agent can show that I did not receive the package. Here is what the agent said : I have your claim on the above mentioned tracking number in front of me. This is a payable claim, as the signature was not the customer 's. However, prior to resolving a claim with a party other than the shipper, XXXX  requires written and signed authorization by the shipper waiving their right to pursue a claim. This is a simple letter from the Shipper stating they give the claim rights to you on this tracking number. It must be signed and on company letterhead. 

This email was sent to the merchant 's customer service team email XXXX on XX/XX/XXXX. The merchant is lying about the package delivery. I have a phone recording which can prove that the merchant received the email from the XXXX claim agent. I called the merchant 's customer service on XX/XX/XXXX at XXXX. The agent can find the email from the XXXX claim agent XXXX XXXX. 

The merchant knows that the package was not delivered to me and refused to provide the letter ( waiving their right to pursue a claim ) requested by the XXXX agent. 
If the package was delivered, then the merchant does not need the right to pursue a claim with XXXX. In my view, the merchant wants to keep to right pursue a claim with XXXX  to get the compensation and also keep the money that I paid, which is a fraud.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

VALIDATION AND CEASE AND DESIST To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor?

PURSUANT TO THE EDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED.

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT.

debt Please do olak at hy didi te shoot rest atyhing ereceporti you have reported this debt.

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute XXXX XXXX ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I made a purchase on my bank of america credit card with a bank of america cash back deal with XXXX that offers XXXX % cash back for any purchase from XX/XX/XXXX to XX/XX/XXXX. I made the purchase on XX/XX/XXXX but never received my cash back. I chatted with multiple agents and they all confirmed I qualify for the offer and the cash back rewards will be posted in a few business days. But many days has passed and I still didn't any cash back for this deal.