davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION (NC)

Dear Truist Investigation Department, ( It's been more than 60 days and XXXX XXXX informed me you guys still haven't released the funds. What's going on for a delay. Also haven't herd a response... .The funds need to be released immediately this also violates the EFTA . ( The funds are to be released within 5 business days ) in many ways before legal action is taken. If the funds arent released by Friday i have no choice to but to take legal action against truist bank ) I am writing to formally request the immediate release of funds transferred to XXXX XXXX from my XXXX account. The transaction in question, in the amount of {$17000.00}, was processed on XX/XX/XXXX, and I have provided all necessary supporting documentation to verify its legitimacy. 

It has come to my attention that despite the funds being cleared from my account, they have not been credited to XXXX XXXX. This delay is causing significant financial hardship and inconvenience. According to federal bank guidelines regarding check holds, there is no basis for withholding these funds, as the check in question was issued legitimately by me and is not fraudulent in any manner. 

I urgently request that your department investigate this matter immediately and release the funds to XXXX XXXX 's account without further delay. Failure to do so will leave me with no alternative but to pursue legal action to recover the funds and seek appropriate compensation for damages incurred. 

Please understand the seriousness of this issue and the urgency of my request. I have attached all relevant documentation to support the authenticity of the transaction and the check in question showing the funds removed from my XXXX bank account. Should you require any further information or clarification, please do not hesitate to contact me. 

Thank you for your immediate attention to this matter. I anticipate a prompt resolution.
Consumer complaint received 2024-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have tried to get them off my credit report it was due to a fraudulent account from a ex-girlfriend while I was in XXXX. I have provided proof and everything they wanted but yet they keep putting this account on my credit report every 3 to 6 months for the last 4 years
Consumer complaint received 2024-06-29
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. ()

To Whom It May Concern, This Is my EIGHTH written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB, XXXX, Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be Deleted Immediately. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. I demand the following accounts be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is my final warning. I am currently working with a law firm to sue the three reporting agencies and especially the consumer finance protection bureau for all your negligence in this matter! I Demand these accounts are deleted immediately or you will be hearing from my lawyers!
Consumer complaint received 2024-07-23
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. (FL)

Chase Business acknowledged that there was multiple fraudulent charges on my old account. 3 of the charges where on XX/XX/year> in amount of XXXX, XXXX, and XXXX there are also 3 other charges all of them equaling the same amount of XXXX that they put in a reversal of XXXX for XXXX of them on XX/XX/year>. 

This has caused overdraft fees that should be removed due to bank not getting funds back from fraudulent charges that i never made and in a different country that i have never been to. 

I stopped all deposits and will pay off full amount back to {$0.00} balance once these charge have been fixed.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CarMax, Inc. (MD)

on XXXX XXXX I submitted a dispute to the credit bureaus XXXX, XXXX and XXXX concerning an account from carmax auto finance reporting the account as a charge off when the account was settle by the insurance company. It should be reporting as paid in good standing not negative.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-12
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: Experian Information Solutions Inc. (MD)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA XXXX. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2024-06-12
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: Experian Information Solutions Inc. (AL)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2024-07-24
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

I filed a complaint with Care Credit back in XX/XX/year> for unauthorized fees charged to my card without my permission by a vendor. The case was closed because the original complaint was filed incorrectly by associate. Revised complaint was being worked on by corporate investigation team member. I was told this would be resolved within 15 days ( that was XXXX months ago! ). XXXX months later nothing was done so I called corporate only to find the member working on the dispute, XXXX, was on medical leave and didn't pass the file we had spent over an hour on to anyone. I spoke to someone named XXXX at corporate in early XXXX where she stated she would get answers and expedite my dispute after spending another hour updating her on the dispute details. To date I have not heard from anyone regarding my dispute. My account doesn't even show I have a current dispute. I requested corporate contact me last week and they didn't. I have an ongoing Texas Medical Board complaint associated with the dispute. Care Credit has completely failed and dropped the ball on resolving these FRAUDULENT charges to my account. 

Total negligence and failure to resolve this dispute in a timely and efficient manner.
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

To whom it may concern, I am a user of the digital wallet COINBASE. 

I have been a user since XXXX XX/XX/XXXX. I have always used this wallet to hold my digital currency, mainly XXXX  XXXX and a few others. 

I have never had any issues with coinbase until the XXXX XX/XX/XXXX. I have around {$45000.00} in my coinbase account. Coinbase contacted me to say my funds have been frozen and I am to withdraw my funds no longer being able to trade on this platform. 

I contacted them about this and was told not to worry this was an error to keep using my wallet as I normally would. 

The following day ( XX/XX/XXXX ) My account was completely frozen unable to access any funds. Again i contacted them regarding the matter and was told i can not have an update my account is under investigation and I will have to wait until this is complete. 

I have contacted them multiple times regarding this matter and still have no XXXX i keep getting told the same thing, no updates are available and I will have to wait until a XXXX has reviewed my account. 

No updates have been given top me even after a formal complaint was made and there is no correspondence from COINBASE to say the investigation is taking place i have just been left with my assists frozen and pushed to XXXX side. 

This is my only source of income and i am missing any opportunity 's to grow my funds as well as using this to live my life. 

I am unsure on what to do or who to contact as COINBASE give no indication of this being completed any time soon as well as other people on forums explaining they have the same issue going on for months - years. 

I something can be done to start the process of investigation or even retrieve my funds. 

XXXX Regards XXXX.
Consumer complaint received 2023-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (TX)

Each time I attempt to log into my account with EdFinancial, all I get is the following error : " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist you. '' I have attempted to call EdFinancial, but the lines are busy and the current hold time is 800+ minutes, which is ridiculous. I opt in for a call back from customer service, but I never receive call backs. 

I have also attempted to email EdFinancial, to no avail, as I have never received an email back from them on how to fix the issue.

Their online chat with a representative is also disabled and unusable. 

There is literally no way for me to get in contact with them to get this issue fixed, as all avenues are broken or too bogged down to ever receive a proper response. 

I have loans with this service, as my Student Aid account also confirms. I am unable to log into my account which prevents me from paying these loans. All the while, I am sure any interest or penalties or fines will be accruing until the situation is rectified, in which case, I will refuse to pay said accruing penalties as this is not a problem on my end ( I do want to make my payments, but can't ), but most definitely on EdFinancial 's end and I have received no help from them so far.

I have also submitted a complaint to the Student Aid website as well as this situation is completely unacceptable and seems to be widespread if the hold time and online discourse is seen.
Consumer complaint received 2024-07-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (WI)

My inquiry involves a debt : Car loan The nature of my concern : I called Ally bank on XX/XX/XXXX and was told Wisconsin has the second chance law and they would work with me. Once I had the money ( XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX I called and made arrangements. Those arrangements officially began XX/XX/XXXX with my first payments. Payments for back pay, late fees and 3 months of monthly payments were made. I was told by XXXX at ACI ( Allys credit card processing ) to make the two large payments separate on the same date which was XX/XX/XXXX in the amount of 1. {$1900.00} and 2. {$1900.00} and told to make first payment towards car in XXXX where I made a payment on XX/XX/XXXX for {$500.00} and again XX/XX/XXXX for {$500.00}. I was told from there my payments would be {$500.00} a month until car is paid off. Now a year and 5 months later after no missed payments ( have all of my records from allys website and my bank ) my car was towed out of my drive way on XX/XX/XXXX in the XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (NC)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!
Consumer complaint received 2024-07-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (NC)

XX/XX/year> I received email from Marcus savings that there was some information needed and I should call in asap and I did that then was informed there is fraudulent activity in the account, I will no longer be able to transfer money until resolved. I have made numerous calls to Marcus from then to now, new info I have gathered is my account will be closed but an case is still open I will not be able to revive my funds until case closed there is over XXXX in the account which I need for something in the next month. They refused to give a time frame of how long case needs to be reviewed and when I will receive the check. They are holding my money and refuse to give a date it will be released.
Consumer complaint received 2024-07-22
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: BARCLAYS BANK DELAWARE (AL)

I ordered a shed from XXXX. It wasn't delivered. Even XXXX confirmed that. XXXX promised a credit, but didn't follow through. So I disputed it with my credit card company. My credit card company closed the case in my favor, and issued a credit. Around that time XXXX also issued a credit. I figured the credit card company would reverse out their credit, and they did. Which was perfect, because I had the one credit I was entitled to. 

When I checked today I see that the credit card company decided to reverse out their credit TWICE! They only issued a credit once. They admit they made a mistake, but did not fix it in that call. 

I am owed {$1100.00} from the credit card company. I need this corrected. This is literally making me physically ill, this has been going on since mid XXXX.
Consumer complaint received 2024-07-22
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: GOLDMAN SACHS BANK USA (FL)

The negative rating on my account is a major source of worry. I'm extremely concerned about its impact on my credit. This derogatory mark has already led to a loan rejection and higher interest rates on my existing credit accounts. I can not overstate the financial and emotional toll this is taking on me, which will continue until this issue is resolved.
Consumer complaint received 2024-06-12
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: Experian Information Solutions Inc. (NJ)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2024-06-12
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. (VA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-04-12
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)

Hello, Please review and process the attached identity theft document regarding XXXX XXXX XXXX XXXX from my understanding, this account should be removed from my credit report within 4 days. 

Also, I've request to have unauthorized inquires removed from my credit report as well. ( attached to identity theft report ) Lastly, regarding XXXX ( XXXX ), XXXX - could you please update my credit limit to {$6000.00}, as its showing incorrectly on your platform- I've reached out twice to get this updated and you've requested that I contact the company, which I've done so and this still have not been updated. Please get this updated as this is affecting my credit report and score.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX will not remove an account from my report when i have submitted proof that i provided this hospital my insurance card at the time of being seen. They verified my insurance would cover the emergency room visit and i would not be billed. Then the report shows this account was opened in XX/XX/XXXX which can not be accurate. I was in oklahoma in XXXX of XXXX i was seen sometime between then and XX/XX/XXXX because i was XXXX  and XXXX. The hospital advised i was only a fee weeks XXXX  at the time and my son was born in XX/XX/XXXX so im not sure why they even allowed this to be reported with the wrong information and ive given them my insurance companies phone number to call and verify this bill was paid. Clearly they didnt investigate this very well because they never contacted my insurance company.
Consumer complaint received 2024-06-12
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)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 a 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 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 2024-06-12
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: Experian Information Solutions Inc. (GA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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