davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (SC)

Resurgent/ LVnV FUNDING is a debt collector and is collecting the amounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested Before I proceed with any further actions, I kindly request that you provide me with the necessary information to validate this debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following information : XXXX. The original creditor 's name and address. 
XXXX. The original account number associated with the debt. 
XXXX. A detailed breakdown of the amount claimed, including any interest, fees, or additional charges applied. 
XXXX. Copies of any agreements, contracts, or documents that demonstrate my obligation to pay this debt. 
XXXX. Proof that your agency is licensed to collect debts in [ your state ]. 

I also want to bring to your attention that I am aware of my rights under the FDCPA. I expect all communication related to this debt to be in compliance with the law. Any violations will be reported to the appropriate regulatory authorities. 

Please note that until you provide the requested information and validate the debt, I consider it disputed. Therefore, I request that you cease any further collection activities, including reporting this debt to credit bureaus, until the validation process is complete. And they have not supplied the information and I do believe that if the information is no accurate and proper verification is not sufficient it needs to be removed immediately.
Consumer complaint received 2024-10-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NJ)

I have a small business and through my business, I have made money and deposited money since XXXX into COINBASE, a US based company. On XX/XX/XXXX, my account was frozen due to not uploading documents in time for XXXX documents. Me being a long term holder, I do not pay attention to the emails I receive. On XX/XX/XXXX, I uploaded the first type of documents they had requested. Additional documents were then sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as they have been requested. It has been 4 times since I have sent additional documents and till this day, they have not reinstated my account. Along with this, they continue to charge a {$30.00} a month fee from my account due to being a COINBASE ONE subscriber. However, I am unable to use my account and still being charged. At this current moment, XXXX XXXX XXXX XXXXXX/XX/XXXX, I hold {$250000.00} in my Coinbase account which is split among XXXX ( a cryptocurrency ) and USD of {$960.00}. I am unable to get a clear and concise answer from the company.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. ()

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX, XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Subject : Urgent Request for Correction of Inaccurate Information on TransUnion Credit Report To Whom It May Concern at TransUnion XXXX I hereby wish to formally dispute the incorrect information reported in my credit file that has previously been disputed without adequate resolution. Upon reviewing my TransUnion report, I identified the following inconsistencies that require immediate correction : XXXX. Name Correction : There are three incorrect variations of my name listed on my credit file : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX My full name is XXXX XXXX XXXX XXXX and I request that all incorrect variations be removed. Please keep only my full and correct name on file. 
XXXX. Incorrect Address : The address listed on my report is incorrect or incomplete : XXXX XXXX XXXX, XXXX, FL XXXX The correct address is : XXXX XXXX XXXX XXXX, Apt XXXX, XXXX, FL XXXX. Please update this information and remove any other addresses that do not match this one. 
XXXX. Inaccurate XXXX XXXX : On my current report, I am listed as XXXX XXXX, and the update date for this information is XX/XX/XXXX. This information is incorrect. I am not currently working under that status and have not provided this information. Therefore, I ask that you remove this information from my profile. 
Legal Complaint : Despite having filed a previous dispute, you have not corrected this information in accordance with the Fair Credit Reporting Act ( FCRA ), which requires you to ensure the accuracy of all information contained in my credit file. In addition, as a resident of the state of Florida, I demand that you comply with applicable state and federal laws : Florida Consumer Collection Practices Act ( XXXX ) : Under Florida XXXX XXXX XXXX, a consumer has the right to have credit information reflected that is accurate and not used in a misleading manner. Failure to do so may result in penalties and damages.

Fair Credit Reporting Act ( 15 U.S. Code 1681i ) : The FCRA requires that credit reporting agencies upon receipt of a dispute investigate and correct or delete inaccurate or incomplete information within 30 days. In my case, failure to meet this deadline and failure to perform due diligence in resolving my dispute is a violation of my rights as a consumer. 
Since I have not received a fair resolution in connection with my previous dispute, I am notifying you that I am prepared to exercise all of my rights under the Florida Consumer Protection Act and federal law to ensure that the inaccurate information is removed and my credit profile is corrected. 
In addition, please request that I be notified in writing of the outcome of this dispute and any action taken pursuant to federal law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

on XX/XX/year> my personal checking account was put on block and they cant give me a reason or answer why they keep saying i dont know the reason the spoke with care taker and anylist and the same respone they dont know. i just lost my home from hurricane milton and lost everything and my bank account has all my money and i cant access it at all ive been sleeping in the car past couple day
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (TX)

After XXXX months I finally received a refund check from XXXX XXXX ( XXXX ) The check less a Chase Bank check. XX/XX/XXXX i visited Chase Bank branch on XXXX XXXX in XXXX XXXX. The bank teller told me there is a XXXX fee for checks cash w/out a chance bank account. I said that was fine. The teller proceeded to cash the check and then notified me that there was an alert stating check is on that account can only be deposited. I expressed that I had never heard of that and the check was off a chase account. I asked to speak to a manager, and the teller said she was the manager and I then asked to speak to a regional manager. The teller went to the back and came back with the branch manager. He said there was a note for deposit only. Agin I explained that did not make sense. I called XXXX and they seemed confused too.
Consumer complaint received 2023-08-10
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: Experian Information Solutions Inc. (SC)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-01
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. (TX)

XX/XX/scrub>XXXX  Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am reaching out to formally address Experian ongoing failure to correct inaccurate information regarding late payments on my credit report for my XXXX account ( Account Number XXXX ). Despite my repeated attempts to rectify this issue, including documented requests sent on XX/XX/scrub>XXXX no action has been taken to amend the errors. This negligence directly violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and continues to harm my credit standing. 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms. 
XXXX XXXX XXXX of Obligations XXXX ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required. 
The following discrepancies were noted on my Experian report and other major credit bureaus : XXXX : Shows a XXXX late payment in XXXX and XXXX, and a XXXX late payment in XXXX, despite consistent on-time payments. 
Experian : Similarly, reflects a XXXX late payment in XXXX and XXXX, and a XXXX late in XXXX. 
XXXX : Reports XXXX late payments in XXXX and XXXX, and a XXXX late payment in XXXX. 
Nothing has changed despite XXXX previous disputes with Experian and the original creditor, and this continued misreporting has led to unnecessary harm to my XXXX XXXX and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my Experian credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly XXXX result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Equifax is begging to be in Federal Court and to pay {$1000.00} for every instance in which I was denied credit because of their antics. I was denied on XX/XX/2024 because my score was report erroneously to my credit union and again today on XX/XX/2024. Equifax recently confirmed to CFPB that information was corrected and reported a credit score of XXXX. They then knowingly, willfully, and maliciously reported a score of XXXX, despite reporting to me a score of XXXX. ( The credit union confirmed the score returned from Equifax is XXXX and they do not use an internal credit modeling system. I can obtain the records by subpoena ). I called and spoke with a Loan Department Manager and questioned if they had received any remarks stating my identity verification was pending as suggested by the CSR at Equifax, who stated that my score that I can see, is the same score they would see ; therefore, perhaps the remark was the reason. It wasn't the remark. It was the low score they reported. I'm tired of coming to CFPB about this agency. Please do something. Please.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (GA)

I am a merchant who sent an invoice to one of my customers. They lied and said they didn't receive the merchandise when they indeed have the merchandise in their possession. I don't like it when consumers lie and this has completely over drafted my account and messed it up. I am livid with the way this has been handled. I have provided all evidence and proof that he received the merchandise even before that payment was done. He made a partial payment and was still owed the {$500.00} on the balance.
Consumer complaint received 2024-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: CIBC BANCORP USA INC. (UT)

According to ssa and Treasury dept my check was processed and deposited into my chime account on XX/XX/year>. XXXX  or bancorp bank claims they never received a deposit. Now I can't log into my account can't get in through the website and XXXX  staff have been rude and condensjding and very unhelpful. I have spent 12 hours trying to get my savings account money transfered to my checking so that I can get the XXXX  I need and no one can help me transfer XXXX or locate the XXXX that was deposited on the XXXX. Someone is lying and I am pretty sure it is not the Treasury department or SSA. I have an eviction notice because of this no one wants to help me transfer my measly funds from savings to checking or care about researching my missing SSA check
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

My wallet was stolen years ago, perhaps XXXX at this point. There were a small dollar amount of charges on my credit card that I disputed. I asked for proof from the company that the charges were mine since they insisted they were and I did not receive anything. I have attempted to dispute this ever since it happened. A police report was filed at the time. I can not prove they are not mine - it would have been their job to prove they were.
Consumer complaint received 2024-10-24
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)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit 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
Consumer complaint received 2024-09-16
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)

15 USC 1681 ( a ) ( 4 ) infringed upon a consumers right to Privacy. I received the letter with my dispute results from XXXX, Equifax, and XXXX and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/XXXX a letter was sent to AMERICAN EXPRESS informing them of furnishing inaccurate and incorrect information to my consumer report with multiple reporting agencies. Again on XX/XX/XXXX a letter was sent regarding the accounts and the reporting of such inaccurate information. On XX/XX/XXXX a lawful notice was sent to AMERICAN EXPRESS to request Specific documents for IRS filings and have been denied these documents from the company, more specific the 1099-C, FR- 2046, I-9, along with a few others. However, AMERICAN EXPRESS charged off the accounts and filed a 1099c claim with the IRS then refuse to give me a copy at my request. 

American Express they claimed that they were not paid! but my consumer report shows that they were paid, ( by being charged off ). Not only are they refusing to give me a copy of the 1099c so that I can claim it as income they are also refusing to remove the accounts from my consumer report.
Consumer complaint received 2024-09-11
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. (PA)

I reviewed my credit report on XX/XX/XXXX and noticed several inaccuracies. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information in consumer reports. The accounts listed below contain incomplete and inaccurate information. These accounts must be deleted immediately due to violations of XXXX XXXX XXXX ( a ) & ( b ), and XXXX XXXX XXXX XXXX b ). 

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This Address is not mine and must be DELETED from my credit file immediately. 
2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This Address is not mine and must be DELETED from my credit file immediately. 
3. XXXX XXXX XXXX Account Number : XXXX Date Last Active : XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, XXXX reports XX/XX/XXXX XXXX a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. Remove this inaccurate information immediately from my credit report. 
4. XXXX XXXX XXXX XXXX Account Number : XXXX This is getting ridiculous. I have no record of this account ever belonging to me. You need to remove this inaccurate information ASAP from my credit XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This is not my correct address. Remove it immediately from my credit report. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This is not my correct address. Remove it immediately from my credit report. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Date Last Active : XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, XXXX reports XX/XX/XXXX Please perform an investigation to determine whether or not this account belongs to me, as I am unable to recognize this business. Please erase this from my credit report. 
4. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX confused about the account number and account name in this account. Clarify this information for me or else remove this account immediately from my credit history report. 



And one more thing according to XXXX XXXX XXXX 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. Check the attachments sent below