davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (TN)

XXXX XXXX XXXX Date open : XX/XX/2018 I disputed this, but they came back as verified. This is not mine. I never had a vehicle through a credit acceptance Im asking for it to be removed from my credit report immediately. Im also a victim of identity theft, my report number is XXXX.
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (FL)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can CFPB closed my complaint saying it has already processed my earlier complaints about this problem when I haven't got any response from the involved companies. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.
Consumer complaint received 2023-03-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Virtual Assets, LLC (FL)

I deposited {$500.00} at a XXXX into this account Virtual Assets , LLC XXXX Crypto Dispensers so I can buy crypto currency on their system, but the system would allow me to buy the crypto and there is no way to withdraw the money that was deposited into my account.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (FL)

I have disputed with the three credit reporting agencies and these companies have refused to reinvestigate, or even validate the accounts ive been disputing as mines. it's been passed the 15 days given to them by law. they haven't responde din 45 days, and haven't sent any correspondence saying or giving updates of my disputes. and according to the fcra, they can not report anything unverifiable or not 100 % accurate.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I transferred a total of {$46000.00} to open a CapitalOne savings account. Because an earlier attempt to open an account had resulted in no apparent account creation, I ended up opening two separate savings accounts, one funded with {$30000.00} and the other with {$16000.00}. The transfers were initiated on XX/XX/XXXX and XXXX respectively. I called the bank because of the issue with the earlier transfer not showing up on CapitalOne 's website and its related app. They explained that I had opened two accounts, so we closed one and transferred {$16000.00} into the remaining account. 

I was planning on using the funds to purchase a car, so I always knew that I was going to withdraw most of the funds, but wanted to keep the new account open because of its attractive interest rate. However, I was told I could not initiate a wire transfer. I was offered a cashier 's check, but because this is an online bank, the cashier 's check would be sent by XXXX, which I considered too insecure to do. Finally, after speaking to a CapitalOne representative on XX/XX/XXXX and confirming it with the " ambassador '' at the CapitalOne XXXX, I initiated a transfer of all the funds back to one of the originating banks. 

At this point, all looked good. The transfer showed up in my app as having been initiated. Shortly after that, however, when I checked back in, the website/app displayed on all of my accounts a " funds not availabe. Please call ... '' I called the number multiple times and it only led to a recorded message, " Please leave a message by pressing 1. If we need more information, we will get back to you with two business days. '' Because my new car is ready for delivery, I need more rapid action. I manipulated the phone tree to get a human being in the security department. While they asked me some questions, it wasn't clear what they wanted from me nor would they provide any information on why my funds were available, only that the account was being closed and the funds returned to one of the two banks, although why they would do it that way seems strange. Worse, the timeframe they gave me was three-five business days. 

I would just mention that I have had a CapitalOne card for many years and that only recently they were offering to raise my credit limit, so my treatment is bizarre from a business standpoint. Worse, I am in limbo. I received today an email from CapitalOne asking me to try to transfer the funds again. Returning to the website, I am only presented with the " funds not available message. ''
Consumer complaint received 2023-03-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (ID)

XXXX XXXX XXXX. Lost my job and needed help with lower payments on my car. They would not help me. The last time I went in the lady called and talked to some man. He wanted to talk to me. He started screaming at me. He wouldn't let me talk. Crying I handed the phone back to the lady and he was screaming at her. I handed my keys over to her and left crying. I loved my car and didn't want to leave it but I couldn't get any help. It haunted my credit for a long time even after filing bankruptcy. Had to have our lawyer keep working on it. Finally 4 years ago I was able to buy a home. This was Wells Fargo in XXXX, Idaho.
Consumer complaint received 2023-03-23
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc. (TX)

I am request for to validate this alleged debt to clarify everything. I am not aware of this account with you so please send me validation and send it as a response to this complaint for CFPB to see it aside from sending it to my address.
Consumer complaint received 2023-03-16
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or the list of inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CONTRACT CALLERS INC (GA)

I received a call from a person no name or company was introduced! From XXXX a me asked me to verify my SSN/ info I refused! Said he calling from CONTRACT CALLERS I see they have a diff number when I said Im not familiar with his co he hung up as I searched there number is XXXX he said he had all my info here and he cant release my info without me verifying its me! 


I also got 2 text today from ppl I dont know this is a new number I have and I get all type of calls and text to say the least I place a block on text. 
Some jobs dont seem right either just want to gather your info~ like this one XXXX XXXXXXXX XXXX XXXXXXXX XXXX Less than 10 minutes left! Your one-way interview for XXXX XXXX is coming up at Monday, XX/XX/XXXX XXXX EDT! Click the link below to get started, or join from your computer using the link in your email. 
XXXX XXXX XXXX  If you can't attend, please reschedule or cancel with the link : XXXX  : XXXX And XXXX which I finally spoke to mgt but no job offer/ the recruiter was weird we spoke about trips etc then she called me back to say apply for another XXXX said she sent my info out but I heard nothing back I was fed Govt worker
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2023-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XX/XX/2023 at XXXXXXXX XXXX PST I received an email from " Coinbase Support '' informing me that there had been a suspicious login attempt on my account ( see attached email from " Coinbase Support '' ). Upon receipt of this, I tried to open my coinbase wallet, but was unable to do so as it would not accept my PIN. I then replied to this email at XXXX XXXX  PST ( see attached email from me ) giving the information requested. On XX/XX/2023 at XXXX XXXX PST I received another email from " Coinbase Support '' again informing me of the attempted suspicious login and telling me what to do in order to have my account secured ( see attached email from " Coinbase Support '' ). On XX/XX/2023 I followed the instructions in the email and created a new Coinbase wallet using a recovery key provided in an attachment to the aforementioned email secured by the last six digits of my SSN. Since it had been secured with my SSN, I had no doubt that it originated from Coinbase. I also discovered that, following my corespondence with " Coinbase Support '', I could now unlock my old wallet with my PIN. I then transferred the XXXX assets from my old wallet to the new one at XXXX XXXX PST. By XXXXXXXX XXXX PST, I noted that about half of my XXXX had been transferred out of the new wallet. A couple of minutes later, the remainder of the funds were drained as well leaving a balance of {$0.00}. I sent an email at XXXX XXXX PST to " Coinbase Support '' ( see attached ) asking them to advise me on what was going on asap. I also got on the phone with Coinbase Customer Service and explained the situation to them. They initiated the above case number and said it would be escalated to their security department. While I was on the phone with them, all of the emails from " Coinbase Support '' disappeared from my email account. The following day, I called my email provider and was able to recover the lost emails. I discovered that a spurious filter instruction, " Deliver to trash if 'From ' contains 'coinbase ' '' had been applied to my account. I immediately deleted the filter and changed the password to my email account. On XX/XX/2023 at XXXXXXXX XXXX PST I received yet another email from " Coinbase Support '' ( see attached ) requesting more information in order to aid with the investigation of my case. I called Coinbase Customer Service again to see if this last email was legitimate. I soon learned that it was from the same scammers. I was also advised to forward all of the emails pertaining to this matter to : security @ coinbase.com. I have copies of the blockchain transactions that I was able to download from Coinbase. Please let me know if these or any other data that I might provide that would aid in your investigation of this matter.
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

TransUnion-Private Mortgage Reporting, Lender sent copy of contract, deed, closing statements in early XX/XX/2022 to all three Consumer Credit Reporting Bureaus . To add insult to injury they all send me notices I need a residential debt reported to boost my score to get another mortgage. Only have two credit cards, Paid off a 6 year truck loan and my score drops. So I found out what they required, lender called them and sent in. TransUnion keeps giving up the run around, regardless of calling or texting or written communications with the same address for written, same phone number for their experts in the matter. There is nothing clear on Private Mortgage Reporting, because it isn't part of the scam to charge the lenders reporting so I believe that want money from my lender? Why when its my credit score that is suffering from lack of Residential or Housing Debt on my report? Will you bring suit against Transunion and the other two Credit Reporting Companies as they will allow the " scumb bag '' collections companies to put negative information on your report for you to get off, they aren't so quick to put positive information on your report without getting PAID!
Consumer complaint received 2024-10-11
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. (CT)

This is 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 items 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 ITEMS. 
XXXX XXXX XXXX XXXX XXXX : {$3700.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX XXXX XXXX : {$5300.00} XXXX XXXX XXXX : {$1200.00}
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I recently found a unauthorized account on my credit report during a recent review. Kindly remove this fraudulent entry, as this is obstructing my ability to obtain credit. This account stems from identity theft. 

XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2023-03-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (KY)

I enrolled in XXXX XXXX on XX/XX/XXXX. I attended the school for 2 quarters ( XXXX ) and withdrew from the school on XX/XX/XXXX. I received a letter from the office of Attorney General on XX/XX/XXXX stating that my restitution claim against XXXX was approved and that XXXX had agreed to waive collection of {$11.00} XXXX in private debt that was owed by students whose last day of attendance was between XX/XX/XXXX and XX/XX/XXXX. My last date of attendance recorded is XX/XX/XXXX. The letter states that no action is required by students to obtain this debt relief. I called AES to explain that I am no longer obligated to make monthly payments in XXXX XXXX. I gave detailed events of my withdraw date and how I felt I was not responsible for the loan since collection were waived. I was told that Im not on a list and I would have to continue making my payments. I requested a supervisor and she told me to upload this letter to my AES account for review and someone will get back with me. I detailed the events and explained how I did not receive the full loan amount and how I am not responsible for the debt since it was waived. It was again determined that I was responsible for the debt but without a reason as to why. I do not see evidence that a thorough investigation was performed to verify my liability to the full debt owed. I made several calls to AES to request my promissory note and disclosures, which I received. Upon viewing the documents for myself, there are many red flags that prove as evidence that my loan has fraudulent activity on it. The last call I made to AES was on XXXX XXXX, XXXX and after explaining my case to someone else, the only solution I was given was to write the loan services and request the loan be discharged after explaining the story and providing evidence. Since I was not provided any contact info other than a name, I searched for the loan servicers contact information online and found nothing. It seems that despite my efforts to resolve this issue with AES, Im being taken on a wild goose chase to clear this debt while interest charges, fees and increasing debt continue to stack against me.
Consumer complaint received 2023-03-23
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. (FL)

I have been unsuccessful disputing this information with the company directly so I am seeking your assistance in this matter. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXXXXX DUPLICATE The above accounts have violated my rights according to 15 U.S.C. 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. This needs to be removed immediately.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. 
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 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 2023-03-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (MD)

XX/XX/XXXX a loan payoff payment was accepted and processed. Payment from XXXX XXXX In XXXX, Maryland to KIA Motor Finance ( KMF ). 
XX/XX/XXXX automated payment was taken from my personal checking account. 
XX/XX/XXXX I called KMF for the first time and I was told that the overpayment refund check was mailed to XXXX KIA to a po box that KMF had on file. 
The same date ( exact date unknown ) I called XXXX KIA and was told by the Finance Manager that the dealership had not used that po box in several years and they likely would not receive the check. The dealership recommended that I call KMF back and ask that the check be stopped and re-issued to me. I called KMF back and explained the situation to them and requested that a stop payment be made on the check and asked that it be reissued to me as requested by the dealership. A KMF rep told me that the request would be Putin their system. 
Two weeks later I called KMF to request an update and I was transferred to their escalation team where I was told that no action was taken because the dealership would have to call to make that request because the check was originally sent to the dealership. I called the dealership and asked the Finance Mgr call to make that request. The finance mgr called me back that same day to tell me the call was made and that KMF representative told them that they would submit a request for stop payment on the original check and reissue of the check in my name to my address based on the dealership request. 
On three occasions after that call, I spoke with three members of the escalation team and was told that their system showed requests but no processed payments. On each occasion, the last being XX/XX/XXXX I was told the requests would be processed and a check would be mailed within 10 business days. 
Finally, on XX/XX/XXXX I spoke with XXXX of the same escalation team and was told that KMF would not reissue the check in my name because it had to be reissued to the dealership and that they would require a phone call again from the dealership for information on where to send the check for the dealership. At no time in any of the prior phone calls was it mentioned to me that an additional call from the dealership would be required. I explained this to XXXX and she said that she cant control what other people told me and their processes are only incoming that they can not make phone calls to a dealership or to a person to tell them what additional actions needed to be taken to rectify the situation. 
Meanwhile, I have a call into the dealership, finance manager, and I am waiting for them to call me back so I can explain that they have to go through this process to receive the check and then they can issue the check to me separately.