davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 

I initially brought this matter to your attention, and since then, I have made subsequent attempts to resolve the issue through your designated channels. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 

If the necessary actions are not taken promptly, I XXXX be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-13
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXXXXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Owed : {$4800.00} XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4200.00} XXXX XXXX XXXX XXXX Owed : {$4500.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX Balance Owed : {$5600.00XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$12000.00} XXXX XXXX XXXX Balance Owed XXXX {$2700.00} XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$380.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00}
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NC)

So I was trying to explain to them that I had enough funds in my account to make the purchase for the dog food. I made the purchase for the dog food. However, I was {$.00} short so literally hour and XXXX  minutes later after the purchase, I went to the ATM, because previously Wells Fargo has told me that all Cash deposits are immediately processed and made available to the account so I went ahead and took XXXX XXXX  to the atm and made the deposit Which should have took me out of the overdraft. But this morning, I woke up and seen that I am - {$44.00} and some change because they pushed back the date on when I had made my cash deposit which is violations of their rules and regulations if cash deposits are supposed to be processed and made available immediately
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to request the immediate removal of information as soon as possible from my credit file that resulted from alleged identity theft. I have previously reported this identity theft and provided documentation supporting my claim. I am resubmitting this request in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of such items not later than 4 business days.

Given the urgency of this matter and the legal obligation under FCRA, I expect prompt action to remove the disputed information from my credit file. I request that you provide confirmation of the removal once the necessary steps have been taken.

Failure to comply with FCRA guidelines and address this request in a timely manner may result in further action being taken to protect my rights under the law. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (NV)

The following companies have violated my US rights and privileges/USC Title 42 and have created an illegal debt against my financial good standing. They denied me the opportunity to receive the financial extensions my US credit account qualified for and charged credits from my US credit account with no benefit to me. The spending limit of XXXX credits has been reduced to XXXX due to the excessive abuse and misuse of my credit information. They have charged my XXXX credit account month after month by criminally abusing a financial validation feature, hard-inquiring ( which are only for finance account creation/not for credit checking ) for the same financial extension, yet when I called these companies, they relayed to me that I didn't even have an account opened with them. This is criminal to charge me for a loan, turn me away with no gain, misuse my information, and charge me off record for financial extensions and services I have no account for. 

I demand that the following companies are charged with malpractice for this criminal abuse of my personal information and return my credits to the balance of XXXX credits. They can either compensate these losses by financing the accounts in the amounts that are associated with the debts on my US credit account then close the account with a " paid '' account closure or by providing a written statement or notary letter to the CFPB stating that my XXXX credit account has been credited in the amount associated with the debts of my credits and that my account is either " paid '' or in " good standing '' : Ally Financial, ( XXXX ) XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX ( ongoing ) XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX ( ongoing ) XXXX XXXX, ( XXXX XXXX XXXX - XXXX XX/XX/XXXX ( ongoing ) XXXX  XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX ( ongoing ) XXXX  XXXX, ( XXXX ) XXXX - XXXX XX/XX/XXXX ( ongoing ) XXXX, ( XXXX ) XXXX - XXXX XX/XX/XXXX XXXX ongoing )
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be removed immediately. 
-Please remove all non-account holding inquiries over 30 days old. 
-Please add a Promotional Suppression to my credit file.

-Please remove all accounts that are not METRO 2 COMPLIANCE Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX DL number : XXXX XXXX XXXX XXXX Please govern yourself accordingly. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

An unauthorized withdrawal of my cryptocurrency from my Coinbase occurred on XX/XX/2023. I learned about the withdrawal the day after the incident when I checked my email and saw multiple emails from Coinbase indicating that large sums of money had been withdrawn from my account without my permission. Ive confirmed with Coinbase over the phone that the withdrawal was legitimate and was instructed to create a case with Coinbase and that their investigation team will look into it. 

Ive exchanged emails with Coinbase and they are claiming that the unauthorized user had access to my account due to compromised credentials. Coinbase has not given me evidence that led to this conclusion and would not answer questions on why their security systems failed. They closed the case and told me they can no longer help me. 

A few things went wrong with Coinbases security system. 
XXXX. I have two-factor authentication enabled using XXXX XXXX but the unauthorized user was able to bypass this. 
XXXX. Coinbase reviewed and accepted an unknown bank account which the unauthorized user to withdraw money from my account. 
XXXX. I did not receive an email for the following actions taken by the unauthorized user which is strange since they would send emails to me previously for the same actions. 
XXXX. Accessed my account with unfamiliar device. 
XXXX. Added new bank to my account. 

The unauthorized user sold XXXX XXXX @ {$43000.00} / XXXX and XXXX XXXX @ {$230.00} / XXXX totaling {$64000.00}. The unauthorized user added their own bank account to my Coinbase account and transferred the funds to their bank. I was able to get the name of the bank and the last XXXX digits of the account number. XXXXXXXX XXXX XXXX XXXXXXXX Checking XXXX. According to my email conversation with a Coinbase representative, the XXXX address used to access my Coinbase account is XXXX from XXXX, PENNSYLVANIA and made the following withdrawals totaling {$63000.00} after Coinbase took their cut of {$950.00} in fees. 

XXXX, XXXX PST a withdrawal of $ XXXX XXXX, XXXX PST a withdrawal of $ XXXX XXXX, XXXX PST a withdrawal of $ XXXX XXXX, XXXX PST a withdrawal of $ XXXX XXXX, XXXX PST a withdrawal of $ XXXX XXXX, XXXX PST a withdrawal of $ XXXX XXXX, XXXX PST a withdrawal of $ XXXX XXXX, XXXX PST a withdrawal of $ XXXX XXXX, XXXX PST a withdrawal of $ XXXX
Consumer complaint received 2024-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (GA)

MY NAME IS XXXX XXXX AM NOT A 3RD PARTY.I AM A NATURAL PERSON SUBMITTING THIS COMPLAINT AND I AM REQUESTING THAT THESE NEGATIVE ITEMS BE REMOVED FROM MY CONSUMER REPORT.

I am not happy with the way your company is handling my dispute.I have already filed with the attorney general in your state and I'm submitting this complaint through the CFPB portal about Discover Bank 's response stating that this account has been " verified '' as accurate without providing me with any form of validation, including a signed contract or any documentation bearing my signature to prove that this debt is mine.Your continued reporting of this debt each month AFTER I asked for verification is causing significant damage to my credit.

Moreover, your actions constitute violations of several federal laws.Specifically you have failed to comply with section 805 ( d ) of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits notifying a third party-such as credit reporting agencies about an alleged debt without proper validation. You are also in violation of section 813 of the FDCPA ( 15 USC 1692k ), which entitles me to civil liability for damages in the amount of {$1000.00} for each violation.

Additionally, your failure to ensure the accuracy and integrity of the information reported to credit reporting agencies violates 15 USC 1681 e ( b ) of the Fair Credit Reporting Act ( FCRA ) .You have also not met the standards set forth in 15 USC 6801, which mandates that financial institutions protect the privacy and integrity of consumers ' personal information.

I demand that Discover Bank immediately : 1. Remove the inaccurate and unvalidated debt from my credit report.

2. Provide me with proper validation of the alleged debt, including a signed contract or any documentation bearing my signature.

3. Remit payment of {$1000.00} to me for the civil liability incurred as a result of your violations of the FDCPA.

Please address these issues immediately as failure to comply will result in further legal action being taken against Discover Bank for non-compliance with federal laws.

Thank you for your immediate attention to this matter. I look forward to a swift resolution.

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MI)

I am not able to retrieve my credit report in any way. I have tried using AnnualCreditReport.com along with XXXX XXXX, and I continually receive one of the following errors : " A condition exists that prevents Experian from being able to accept your request at this time. ", " Unable to Complete Your Request Online '', or " Please give us a call ''. 

Upon contacting the relevant credit reporting bureau, the support agent is never helpful and I am repeatedly informed that nothing can be done. 

This is simply unacceptable behavior and it needs to be rectified immediately.
Consumer complaint received 2024-05-24
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)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc. (NV)

This is regarding the XXXX Mastercard issued by Comenity Capital Bank, which is part of Bread Financial. The dates I called were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was opened new XXXX Mastercard and when I did not receive the card in the 7-10 business day, time frame quoted I called to report card not received. Representative indicated that they will resend out the card and allow 7-10 business days to get card in email. Once again card was not received and called issuer and once again, they said they saw card was mailed out and that they will re-issue new cards. Once again after quoted time frame the re-issued cards did not arrive. Called issuer and asked for management and when speaking with management asked for card to be expedited, with tracking number and signature and photo ID required. They indicated this would occur ; however, still would still take 7-10 business days to process. When card was not received again in quoted time frame, issuer was called again and agent said they saw card shipped standard US mail. Request to have tracking number and signature and photo ID required was not honored. Once again agent said they will re-issue cards and allow 7-10 business days. Once again did not receive within time frame and when calling issuer they can see card sent and all they will do is offer resend. This has been going on for 2 months without ever receiving the cards.
Consumer complaint received 2024-02-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION (SC)

My XXXX XXXX was repo from my home XX/XX/year>. I seen the Repo truck pull up and i told the driver to stop and not touch my car and i called Truist to make a payment even though I recall speaking with someone before about payments. The rep was unhelpful and I asked what is the amount I need to pay in order to keep my car. The rep stated that I will have to pay the entire past due amount and i agreed. The Repo company continued to connect my car after telling him I was on the phone with the company ( which is illegal in SC because it is breachof peace. ) I told the rep and he stated that he can not tell the repo company to stop if he already started even though the Repo company started after i was already talking to the rep. I was going to pay {$1400.00} roughly my past due amount and the company than refused to accept my payment. The call was recorded. The rep stated that I will have to pay storage fees plus past due amount even though the Repo company said if Truist tell them to drop the car they would right than. This company intentionally had the towing company take my car refuse payment so i filed a report with SC department of consumer affairs and the company responded that I would now have to pay {$3100.00} to get the vehicle released. This company intentionally ignored SC repo laws as well as charges late fees repossession fee and principal reduction payment in order to add up more fees and collect more money.