davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
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: TD BANK US HOLDING COMPANY (NY)

I am writing to formally complain about the unresolved fraudulent account associated with my name and Social Security number, despite my repeated efforts to address this issue. 

Recently, TD Bank was found guilty of money laundering {$3.00} XXXX, raising serious concerns about the integrity of accounts linked to their services. I have submitted a fraud affidavit, which includes the Social Security number, name, and date of birth of the individual who opened the account fraudulently in XXXX. 

Additionally, I have faxed 11 police reports related to domestic violence and identity theft incidents from XXXX to XXXX. I have provided this documentation to Targets fraud investigation department at XXXX, along with an identity theft report specifically for this account. 

Despite contacting and speaking with the fraud department XXXX times, as well as filing XXXX complaints/disputes through the Consumer Financial Protection Bureau XXXX CFPB ), XXXX has yet to remove this fraudulent account from my credit report. The last payment on this account was made in XX/XX/XXXX, nearly XXXX years ago. 

Given these circumstances, I request immediate action to rectify this situation. Please confirm the receipt of this complaint and provide an update on the status of my case.
Consumer complaint received 2023-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

Gulf Coast Collection Bureau , Inc . 
XXXX XXXX XXXX XXXX, Florida XXXX Phone # XXXX or XXXX This company sent me a collection letter on XXXX XXXX. 
Reference # XXXX. 

The correct account number is XXXX ( XXXX XXXX XXXX ) XXXX bill was paid in a timely manner to XXXX and should not be in collection. Paid to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. 
I paid {$77.00} instead of {$76.00} on XXXX XXXX. The money order. 
# XXXX ( XXXX XXXX ) XXXX. This money order was mail from the post office. I will like for you all to delete these 2 paid debts from all 3 Credit Bureaus and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX in the amount of {$180.00}. Money order # XXXX on XXXX XXXX, account # XXXX. Both debts are paid in full, no balance due to XXXX XXXX XXXX XXXXXXXX FL XXXX. It looks like, due to incorrect account number, they systems are showing me as still owing the hospital. Otherwise, I should not have received another collection notice for balance due. Please stop all collection efforts. Notify the hospital that my debt has been paid. Please verify my balance from each Collection Agency that payments have been made.
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (LA)

Goldman Sachs is refusing to honor my SCRA ( Servicemembers Civil Relief Act ) benefits in accordance with XXXX  SCRA laws on my Apple Card. I am an XXXX XXXX XXXX currently stationed in Louisiana. I requested SCRA benefits on XX/XX/. I was denied benefits on XX/XX/XXXX XXXX XXXX I requested reasoning for denial and was told that It was because I got the card after joining XXXX XXXX. I then appealed the denial decision that same day stating that I was requesting benefits under XXXX  SCRA laws. I received an email today, XX/XX/, stating that the appeal was denied.
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: GOLDMAN SACHS BANK USA (IL)

Today XX/XX/year> I requested in writing via support chat that they refund my overpayment on my Apple Card ( {$500.00} ) to a different account but they told me it would take 8-10 days to look into it. 

The law states that they have to refund me within 7 days.
Consumer complaint received 2024-09-23
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. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-09-08
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. (NY)

Dear CFPB, I am filing this complaint regarding the unpaid settlement funds I am owed as a result of the Equifax data breach. My personal information was compromised in the breach, leading to significant issues, including fraudulent charges and unauthorized withdrawals from my XXXX XXXX account. I have provided them all requested documentation, and I have proof from the Equifax settlement website confirming that I was directly impacted by the breach. 

Despite fulfilling all the necessary requirements and submitting the requested information, Equifax has not released the compensation owed to me for the damages I suffered. This delay has caused unnecessary hardship, and I believe it is unfair and unacceptable that Equifax has not yet paid out the settlement funds. 

I request the CFPBs assistance in ensuring that Equifax honors their commitment and promptly releases the compensation I am owed. Thank you for your kind attention to this matter! My claim Number is : # XXXX  Sincerely, XXXX XXXX
Consumer complaint received 2024-09-19
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: JPMORGAN CHASE & CO. (NY)

For 10 years Ive banked with Chase and been a private client for most of them without a problem. I have been a victim of fraud and identity theft many times and have had cards reissued to me. On XX/XX/year> my credit card account was closed without my knowledge. I went into a branch and asked what was going on and spoke to someone in the phone from the Fraud dept and was told that my account was closed because I was a risk. I had conjured up XXXX points and was given no option but to withdraw them as cash or lose them. XXXX only Much less than the XXXX it would have been worth to travel with. I was also told in the bank that I was pre approved for another card so I applied and got it on the spot. My balance was {$0.00} on the account that was closed and a refund of monies owing were issued to me as a check. Days later I received my new credit card and almost the same day it too was closed. Nothing was made on it nor was it used. I called and o find out what was going on and was told that my credit card relationship had ended. So I was unable to ever get a card with them again. Furious I went into the branch and withdrew all my funds from checking and savings account and I closed off all my accounts and ended my relationship with Chase. A few weeks later I recieved calls that I owed money in my credit card. I said thats impossible as I closed off all accounts and the crust card account was already closed by the bank. With a XXXX balance. They tried and harassed me over and over. Calling daily to say I had to pay it off. No one had helped me and no one had anything else to say. Now Im in 90 days overdue. My credit score Has gone from XXXX to XXXX and keeps dropping and I dont know what to do. It is impossible that An account that was closed be reopened under my name without my Knowledge. And that I owe money when being told I didnt and had no way of ever having a fair card again.
Consumer complaint received 2023-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (IL)

Aidvantage is my student loan servicer. 

When borrowers go to Aidvantage 's website to make a loan payment, before said payment can be made Aidvantage makes borrower agree that they've 'read, understand, and agree to the Electronic Payment Authorization ' ... however they do not provide a copy of this Authorization anywhere on their site. 

I called Aidvantage about this on XX/XX/23 and the rep told me that it was not available on the site but that they could email it to me ... in eight business days! ( Mind you, interest accrues daily on these loans so they are dragging their time out ). 

Eight business days come ( XX/XX/23 ) and I don't receive an email with the promised Authorization. So I sent a message through Aidvantage 's site requesting the copy of that Authorization. ( The auto-response to this message says I will receive a reply in two business days. ) Seven days later ( XX/XX/23 ) I receive a message from Aidvantage saying " We are aware of the issue. I apologize for any frustration. '' They have STILL not provided a copy of the Authorization that they REQUIRE all borrowers to acknowledge having read. This is highly suspect to make people agree to terms that they can't even read! 

I sent another message through the website on XX/XX/23 and have still not received any reply. 

Aidvantage has intentionally hidden necessary terms that will negatively affect borrowers and make them pay extra fees or more money AND they refuse to answer/reply to any calls and messaging.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I contacted the credit agency to report that there was incorrect information on my credit report that needed to be removed, my initial correspondence was on XX/XX/year> After about 2 weeks I contacted your office to file a complaint on XX/XX/year> and within 7 days the credit agency responded with a request for documentation in which I promptly sent via certified mail... 

I just received the companys responds today on XX/XX/year> but there was no change to my report, more specifically the report is still reporting inaccurate information about me, which is causing emotional, and financial hardship. 
The company is still showing multiple names and addresses after I sent them proof that the information they are reporting is inaccurate and violates my consumer rights. 
I sent the company a copy of : 1 ) State drivers license 2 ) Electric bill 3 ) Copy of my Social Security Card Im filing this complaint as an opportunity for this company to cure, and correct the inaccuracies and get into compliance with Metro 2 and the fair Credit Reporting Act
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

This is a complaint regarding the XXXX account that I disputed with Experian Credit Reporting Agency and the investigation exceeded the 30 day requirement which is a violation of the FCRA. 
I disputed the XXXX account and other accounts which have been deleted from my Experian credit reports with only the XXXX account remains. XXXX XXXX XXXX XXXXXXXX. 
I have attached screenshots which reveal my dispute that I submitted via CFPB # XXXX on XX/XX/year>. 
Experian acknowledged receipt on XX/XX/year> and I did not receive a response until XX/XX/year> which is a total of 48 DAYS. This is a clear violation of the FCRA 611 30 day requirement to conduct a timely reasonable investigation. 
I am maintaining a careful record of my communications with Experian for the purpose of seeking legal representation if the XXXXXXXX XXXX XXXX ( XXXX ) account is not deleted from my credit report.
Consumer complaint received 2023-11-07
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. (FL)

On XX/XX/ I mailed via certified mail Experian a debt validation letter and expected to receive such debt validation from the original creditor within 30 days. The debt I request validation on XXXX XXXX XXXX acct XXXX XXXX Experian opened a dispute on my behalf and closed the dispute without sending me the debt validation information I requested. I received a letter and it does not include any new information. Experian never responded to my debt validation request.
Consumer complaint received 2023-11-08
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. (NC)

XXXX XXXX XXXX  is currently reporting late payments to the credit reporting agencies. In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

To Whom It May Concern, I am writing to file a formal complaint against Experian regarding their persistent failure to remove inaccurate and damaging information from my credit report. This inaccurate information pertains to a false address listed on my credit report, which is having a detrimental impact on my financial standing. The address in question is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I must emphasize that I have never resided at the aforementioned address. In reality, this address corresponds to a XXXX Retail store located in a shopping center in XXXX, XXXX. My legitimate and only address is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have made multiple attempts to rectify this issue by contacting Experian through various means, including written requests and emails. Unfortunately, Experian has been unresponsive to my concerns and has repeatedly provided automated responses, refusing to take any action to remove the false address from my credit file. 

This false address is adversely affecting my creditworthiness, causing unjust harm to my financial stability and preventing me from securing the loans and financial opportunities that I deserve. I believe that Experian 's actions, or lack thereof, in this regard are in direct violation of the Fair Credit Reporting Act ( FCRA ). 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take the necessary steps to compel Experian to correct this error on my credit report promptly. I also request that Experian be held accountable for any potential violations of the FCRA in their handling of my case. I have attached proof that the alleged address is NOT a residential address but a XXXX retail store in a shopping center. XXXX it and call the store! How could Experian miss the obvious? 

I appreciate your attention to this matter and your assistance in resolving this issue. Please find enclosed the supporting documents, including copies of my correspondence with Experian and any other relevant materials. 

Thank you for your prompt attention to this complaint, and I look forward to a favorable resolution to this matter.
Consumer complaint received 2023-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (OH)

Hello, I called multiple times today XX/XX/2023 because Aidvantage wrongly stated I owed extra monthly, which I paid but then it charged me twice. Now I have no money for my other bills and I cant get anyone on the phone to help me fix it! It keeps hanging up after being on hold an hour. This is atrocious. I submitted an email with no response either. They should be able to answer calls and get back to people when they steal your money.
Consumer complaint received 2023-11-08
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. (OH)

I reviewed my Consumer Reports and noticed that I have inaccurate late payments on this account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Account : ( XXXX ) : ( XXXX ) Please remove this account from my credit report.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Greetings, I see you fail to Remove the Inquiries from my Consumer Report.According to the FCRA, These Unverified and UNAUTHORIZED INQUIRIES Must be Removed. Don't freeze My Account, I will do it myself.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

The credit bureaus are all reporting different inaccurate information that is hurting my credit report. There are several companies that are reporting a profit and loss write off but still reporting a balance. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX. 
On all the accounts listed there are several things inaccurate : Last activity date, Charged off with a balance and the payment history is wrong showing I have a new charge off versus the correct date he accounts were charged off.
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (VA)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy 15 US 1681b 2. This company has given my personal information to a third party. They also have no permission to report anything using my information pursuant to 15 USC 1681 4.
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

My credit card provider ( Discover ) asked me to sign a 4056-C IRS form using their XXXX service , which I did and I have a confirmation email showing that I signed it within the requested 5 day period ( before XX/XX/XXXX ). I signed it on XX/XX/XXXX, I was not contacted about it again until XX/XX/XXXX, in an email in which they said they had not received the form... 

However, the email said the following, verbatim : " Important : If you have already provided the consent requested and have not received any follow-up communication directly from Discover, there is no need for you to contact us. " ... 

They indeed did not provide any other follow-up communication... given that I have no other emails, messages, or phone call attempts- and given that I had already provided the consent on the same day they sent it ( mind you, I have a confirmation email that I sent it )- I did not contact them as they explicitly said it wasn't necessary... 

It is now XX/XX/XXXX, and I call in to their service line as I notice that I'm unable to use my credit card... 

After being transferred a few times, they tell me they haven't received it and my account is pending closure ( because they apparently have no record of receiving the form ) - and will likely close and their is nothing they can do about it. They are going to report my account to the credit bureau even though I did everything they asked of me promptly. I ask to speak to the supervisor but she refuses telling me they have no process and she's the end of the line. After becoming a bit audibly frustrated ( I never cease to be cordial, albeit I did get a bit upset-sounding ) - she tells me " we're going around in circles '' and promptly disconnects the call.
Consumer complaint received 2024-09-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (PR)

I have a permanent resident card with the US, and an XXXX extension letter that is valid identification in the US and for international travel. Coinbase has violated discrimination laws and refused to validate my identification and is threatening to withhold access to my account. 

I have already contacted the company several times in attempt to resolve the situation.
Consumer complaint received 2023-11-07
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Consumer complaint received 2024-09-22
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: EQUIFAX, 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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

XXXX XXXXXXXX {$430000.00} XXXX XXXX {$46000.00} XXXX XXXX {$240.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$400.00} XXXX  XXXX {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX {$84.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$150.00}
Consumer complaint received 2024-09-22
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. (CO)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.