davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AZ)

A scammer was able to access my Coinbase account by SIM swapping my XXXX XXXX  on XX/XX/year>. They illegally wired {$8500.00} from my XXXX XXXX account on XX/XX/year> to my Coinbase account. Then transferred {$8400.00} to a XXXX XXXX XXXX   that was added to my account on XX/XX/year>. This was reported to XXXX XXXX 's and Coinbase 's fraud teams within minutes of it occurring and neither company froze the accounts or took action in a timely fashion. A police report was filed and I notified my fraud insurance, XXXX, who needs to verify that the money taken from Coinbase did not go to me ( it went to the fraudster 's XXXX XXXX  residing on my account ) based on the transfer log. My insurance company is requesting proof that funds did not go to me from my Coinbase account so I will need the full XXXX XXXX account number residing on my account for proof.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Javitch, Block & Rathbone LLC (MI)

I have repeatedly attempted to contact XXXX XXXX since XX/XX/year>. I still have received no response to voicemails or my email. I am growing frustrated with this lack of communication and it feels like unfair debt collection practices. Being that its now been more than 60 days from my original request of information. I am requesting this debt be discharged. I have also attached proof that I called on XX/XX/year> and left a message. That call was never returned either.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX  helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXXXXX Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXXXXXX - XXXX XXXX Account Number : XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

I have had medical insurance since 2020 with out laps from my employer. I work for a XXXX why would I acquire a debt when I have insurance to pay. I was the victim of identity theft during the year this account was opened. There is also an address on my credit report that I have never lived at that was used to open a phone bill as well which was identified to be identity theft. Your company is aware of this situation and was in agreement with that finding.
Consumer complaint received 2024-11-03
Product: Credit reporting 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)

XXXX XXXX and XXXX  XXXX is illegally reporting payment transactions on my consumer reports in Experian, XXXX and XXXX .Below are the accounts I'm referring to : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Past due : 30 Days Date : XX/XX/XXXX Experian XXXX XXXX Accoun # XXXX Past due : 30 Days Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Accoun # XXXX Past due : 30 Days Date : XX/XX/XXXX XXXX  XXXX Accoun # XXXX Past due : 30 Days Date : XX/XX/XXXX XXXX
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX IS AWARE OF MY IDENTITY BEING STOLEN I PROVIDED PROOF THEY REQUESTED IN XX/XX/year>. These are STILL on my credit report AFTER providing PROOF OF IDENTITY THEFT!!! 
They know that the email address AND the physical address used NEVER WAS MINE!!! 
My credit report is destroyed due to their fraudulent negligence!!!!
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (PA)

So I recently filed fraudulent chargers on my account and they issued a temporary credit. The next day my account was locked and my funds were frozen and I called online support and they told me I had to go into a branch. So I went into the branch expecting them to close the account and issue my funds to me about XXXX, but they werent able to release any of my funds. I called again and they said there is no information available. I dont know where my money is and XXXX cant access it and no one seems to want to help me
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

I started a new job and was sent a phishing email that I thought was real. It had me send {$700.00} through XXXX on my chase account. I called them immediately to get it fixed and they said they couldn't do anything. I want to dispute this and get my money back.
Consumer complaint received 2024-08-29
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: GOLDMAN SACHS BANK USA (DC)

Subject : Dispute of Investigation for Uncredited Return Purchase XXXX XXXX  Dear CFPB, I am writing to formally dispute the lack of resolution regarding my complaint against XXXX XXXX, where they failed to credit my credit card for a returned purchase. I returned the item ( s ) as per their return policy on [ date of return ], and despite multiple attempts to resolve this matter with XXXX XXXX, my credit card has not been credited. 

Details of the Dispute : Merchant Name : XXXX XXXX  Date of Purchase : [ date of purchase ] Date of Return : XX/XX/24 Return Tracking Number : n/a Credit Card Used : XXXX Amount to be Credited : {$200.00} Summary of Issue : I followed XXXX XXXX  return policy, including providing all necessary proof of the return, such as the return receipt and tracking details. Despite this, XXXX XXXX has not processed the refund to my credit card, and they have not provided any valid reason for their failure to do so. 

I filed a complaint with the CFPB, expecting a thorough investigation and resolution. However, I was informed that no further action would be taken, which is unacceptable given the clear evidence of my return and XXXX XXXX 's obligation to issue a refund. 

Request for Reconsideration : I kindly request that the CFPB reopen and thoroughly investigate my complaint against XXXX XXXX. The company has not fulfilled its duty to credit my returned purchase, and I am seeking your assistance to resolve this matter promptly. 

Enclosed are copies of all relevant documents, including my correspondence with XXXX XXXX, the proof of return, and my original complaint to the CFPB. I believe that a proper investigation will show that XXXX XXXX has failed to credit my account, and corrective action is necessary. 

I appreciate your prompt attention to this matter and look forward to a resolution. If you need any further information or documentation, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX CARD on XX/XX/XXXX under the account number XXXX XXXX an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX a personal loan account opened XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ private that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/year>, I received an email from my bank informing me of a new XXXX XXXX  monthly fee for my checking account, which had been free for the past 20 years. Despite meeting the conditions to waive the fee ( such as maintaining a {$500.00} balance ), I was concerned that this fee was an unnecessary and exploitative charge, especially given the banks financial benefits from fractional reserve banking. 

Later that day, I visited the bank to discuss my concerns. I reviewed a list of questions with the staff on-site seeking an amicable resolution. First trying to see if the imposition of this fee conferred any benefit to myself, if there were alternative account types without monthly fees, or if I qualified for a more permanent exemption similar to the ones they are offering to people experiencing the same account modifications but that fit specific demographics or occupations that the bank prefers over my demographics and occupation. 

During the meeting, the bank manager repeatedly evaded my request for a summary of our conversation, instead offering to answer the same questions we discussed in the meeting via email. When I asked for my complaint to be documented, the manager altered my statements, adding misleading information that minimized my concerns. Despite my insistence, the manager continued to misrepresent my request, causing further frustration until I relented and suggested that she simply draw a distinction in the complaint between my complaint and her attempts to debate or discredit it. 

As our meeting was wrapping up, they added that they could provide me with a written summary of the meeting however they would need approval from individuals above them in their hierarchy. The manager 's actions felt like an intentional act of obstruction, especially given how straightforward my request for a summary was. While this was stated, no higher-ups were contacted during my visit to authorize a conversation summary. 

I left the meeting feeling that my concerns were dismissed and that the banks handling of the situation was obstructive and unhelpful. This experience has significantly eroded my trust in the bank, and I am seeking a resolution to the issue, including a possible reversal of the fee policy and a review of the banks customer service practices.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (ID)

A week and a half ago we went on vacation. We decided to use our American Express Card because we hadnt used it for awhile and didnt want them to close our account. We have been with them for 40 years. When we left for vacation on XX/XX/XXXX our available line of credit was {$6000.00}. After using our card just a few times ( see attached ), we noticed a massive drop in our credit limit. It decreased from {$6000.00} to {$1400.00}. At this time we had only a little over {$900.00} on the card ( at least this is when we noticed it ). We only had a credit available of $ XXXX. I phoned them and asked them why they did this. They said after a review they determined basically we had credit issues. First, my credit score is over 700. See attached credit score on American Express Website. I have never been late on any payments with them. I have never been late with any other creditors. I believe they are discriminating against me because of my age. At the time of the call the man I was speaking to said he would increase my available credit up to {$1500.00}. When I checked the app it said I had a credit available of {$1500.00}. It did not say it was temporary. After I used my card I now noticed its showing an over the limit amount of {$1000.00} due now. If I do not pay this now it will be reported to credit reporting agency which will hurt my credit score and my reputation with my other credit card companies. Today, XX/XX/XXXX, I had to do a balance transfer to get out of this negative. This cost me {$60.00}. Why would anyone give a person a temporary increase? If I knew it was temporary I wouldnt of used the card. I want my original credit limit reinstated. I have never received any documentation from American Express notifying me of any changes. I believe this is age discrimination. Thank you
Consumer complaint received 2024-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (GA)

I have a joint spousal consolidation loan. A law was passed two years ago allowing separation of these loans. The application to do so is not yet available. However we are allowed to place these loans in an administrative forbearance until the application to do so is made available. The XXXX is for one year and is supposed to automatically renew per Department of Education guidelines. My XXXX recently expired and Mohela will not renew it as they are required to do. They say they have to receive instructions from Federal Student Aid to do so but that is not the case.
Consumer complaint received 2024-09-03
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: Bread Financial Holdings, Inc. (DE)

I am an ID theft victim. A store card for XXXX XXXX was opened in my name without my knowledge or authorization. I did not open, use or benefit from the account. The account was opened using my mothers address which I have not lived in several years ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) which is the only reason I had knowledge of the account. I received collection calls when the account defaulted and I advised the agents that the account was fraudulently opened. They did nothing. I have disputed the account with Comenity Bank and their debt buyer XXXX XXXX several times and the information continues to report on my bureau. I want this item removed from my bureau.
Consumer complaint received 2024-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (LA)

Received insurance payment check XX/XX/XXXX for damage to my home ( Hurricane Ida XX/XX/XXXX ). 
Wells Fargo & their attorney- XXXX XXXX has not released my insurance money to fix my home in over 1 year. My 1st check expired after 6 months ( XX/XX/XXXX ) & now my 2nd reissued check is now 4 months old! Their attorney ( XXXX XXXX ) stopped my 1st disbursement o

n 8/8/24. I have abided by their request in order to receive my insurance money- But a year later- I have Nothing!! I am still living in a home that was severely damaged by the hurricane- with mold/ mildew, cracked walls/ ceilings, broken floors on 2nd floor ( a large hole where water puddled from roof leak, sat & busted thorough to the 1st floor and continuous pests infestations { including termites- mice/rats.. } from the holes/ cracks in walls/ ceilings. My family and I have suffered from constant respiratory infections and illnesses since this 3 year delay.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC (MO)

XX/XX/2024 I applied for a card at Destiny credit and they ran my ssn and hard credit pull, getting paid with the unauthorized use of my credit card, and identity theft, also XXXX reported about me with NY authorized consent. Discrimination and identity theft and securities fraud
Consumer complaint received 2024-09-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (NY)

Urgent Complaint Against Ally Financials for Gross Negligence and Deception Dear CFPB, I am writing to express my severe distress and frustration with Ally Financials regarding their gross negligence and deceptive practices in providing a lien release letter for my car. Despite my repeated requests over the past XXXX weeks, Ally Financials has failed to fulfill their obligations. Below is a detailed account of the events : On XX/XX/year>, I made an initial request for a lien release letter with a wet ink signature from Ally Financials after fully paying off my car loan. They claimed to have mailed the letter but provided no tracking number. After XXXX entire weeks, the letter was not received and was apparently lost. 

In mid-XXXX  XXXX, I called Ally Financials multiple times, urging them to mail a new letter with a tracking mail option. I even provided my own XXXX  account to expedite the mailing. Despite my efforts, Ally Financials refused and asked me to wait another week. When the time passed, they continued to delay the mailing due to administrative reasons. 

On XX/XX/XXXX, I called and Ally Financials ' representative claimed the letter was shipped, but XXXX days later on XX/XX/XXXX, another representative said it was still pending business approval and letter is still not shipped. Most absurdly, his internal records showed that the digital version draft of my lien release was just created on XX/XX/XXXX, weeks after my initial request. It showed that all previous communication and status updates to me were all false and made-up. 

To this date, I still haven't received the letter nor got any confirmation from Ally Financials when or whether they can send this out. 

The lying, deception, untimeliness, and negligence exhibited by Ally Financials have caused me significant financial loss. I intended to trade in my vehicle for a new one, utilizing a time-limited promotion from a car dealer in XXXX. Due to their consistent delays, my trade-in deal was canceled, and I will be penalized with financial fine. More importantly, the expected trade-in cash refund in the amount of $ XXXX was intended to pay off a property tax due on XX/XX/year>. Without that cash refund, I am now facing serious financial penalties and at the risk of potentially endangering my home ownership. 

This situation has caused me immense mental stress, damaged my credit score, and severely affected my capability to purchase or loan a new car. The actions of Ally Financials are unacceptable and have had a devastating impact on my financial stability and well-being. 

I urgently request the CFPB to investigate this matter and take immediate action against Ally Financials for their gross misconduct. I am seeking compensation for the financial losses and mental distress caused by their actions. 

Thank you for your prompt attention to this critical matter.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (MA)

Credit card closed by them in XX/XX/year> stating they sent me letters that the account was closing.. never received letters and the card had expired on XX/XX/year> they never sent me the renewed one and then took {$1500.00} in rewards points that they said were gone in XX/XX/year> but my account showed them available XX/XX/XXXX. Stole {$1500.00} worth of points and will not refund or put onto another one of my credit cards I have with Wells fargo