davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CEX.IO CORP. (CT)

User : XXXX On XX/XX/year> I Bought {$690.00} of crypto on their site they asked for a bunch more verification even though Im already verified and then they say theyre not allowing me to send or withdraw until support messages back. Their support is terrible and take forever to respond. There fees are also expensive compared basically every other crypto exchange. I shouldve never downloaded their app to begin with every other site doesnt care where or how youre getting your money this company wants every detail about your life. And I still cant access my money will be calling my bank if not fixed in the next 24hrs. Its been almost 5 days now. I thought they were trustworthy because of their good reviews but then I look at their bad and its users with the same problems no response after the first one
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (CA)

On XX/XX/year> a third party, XXXX XXXX, sent XXXX to my BMO account. The total balance of my account was XXXX after this deposit. 

I made three withdrawals after that for a total of XXXX. My balance was XXXX after these withdrawals. 

There was no more activity in my account after this time. After logging into my account I found that a debit was made to my account for XXXX with a memo account closed. 

I contacted BMO on XX/XX/year> to find out what this debit was, why, and where my money had gone. I was directed to the Fraud department. They told me my account was flagged as suspicious and decided to close my account, but instead of giving my funds back they decided to place it into " Unclaimed Property ''. They gave me no reason as to why they decided to treat my money in this way, and that I would not be able to retrieve this money. Instead, only XXXX XXXX, who sent those funds to me would be the only ones able to retrieve that money. 

I contacted XXXX XXXX XXXX on XX/XX/year> to see if they could help with the situation. They informed me, " I understand, and apologize for the inconvenience. However, the money has been processed from our end and deposited into your bank account, so they need to remove the hold. I recommend that you contact your bank to resolve the issue, as there is nothing more we can do since the funds have already been processed to your account. '' Now, my funds are just sitting in the unclaimed property department seemingly indefinitely.
Consumer complaint received 2024-07-01
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. (GA)

I am writing to inform you that you have illegally reported an unauthorized inquiries on my credit report. I did not give you permission to access my credit profile, and you have no legal right to contact third parties with my private or personal information. Your actions amount to aggravated identity theft under 18 U.S.C. 1028A. You have knowingly, without lawful authority, transferred, possessed, or used my means of identification, which is a felony punishable by up to XXXX years in prison and civil liability.
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (GA)

I am writing to file a formal complaint against XXXX XXXX XXXX and Security Credit Services for their continued harassment regarding an alleged debt that is beyond the statute of limitations and after/ they have been formally notified to cease and desist all communications. 

On XX/XX/year>, I sent a certified cease and desist letter to XXXX XXXX XXXX and Security Credit Services, clearly stating that they are to stop all contact with me regarding this matter. Despite this, I have continued to receive phone calls, letters, and other forms of communication from the agency. 

Furthermore, the debt they are attempting to collect is time-barred under the applicable statute of limitations. XXXX XXXX XXXX and Security Credit Services are knowingly and willfully attempting to collect on a debt that they are legally barred from pursuing. 

Their continued actions are not only a violation of the Fair Debt Collection Practices Act ( FDCPA ), but they have also caused me considerable stress and XXXX. I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action against XXXX XXXX XXXX an

d Security Credit Services, for their unlawful and unethical practices. Also in Georgia, the statute of limitations fo
r filing a lawsuit to collect credit card debt is six years from the date of default. The statute of limitations begins when the account is " charged-off '' due to missed payment, which can be identified on credit card statements. However, the statute of limitations can be extended or renewed by certain actions, such as : making payments, promising to pay the debt, entering a payment agreement, and making a charge using the account. 

Please find attached copies of the cease and desist letter and any other relevant documentation. I appreciate your immediate attention to this matter and look forward to your response.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-15
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. (LA)

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 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$91.00} XXXX XXXX XXXX Balance : {$880.00} XXXXXXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX I made a deposit of {$9900.00} with a check issued by XXXX XXXX  XXXX XXXX XXXX. The check was sent from XXXX. The bank teller stated that the check would be placed on hold for XXXX business days. Normally an out-of-state check is held for XXXX business days. On XX/XX/XXXX, I withdrew {$9100.00} to purchase remote customer service equipment. The branch XXXX signed off on the withdrawal that day. The next day XX/XX/year> I received a text message from chase informing me that my checking account was overdrawn by {$6100.00} dollars. I went to the branch in XXXX XXXX XXXX  and spoke with the branch XXXX and he informed me that the bank would hold me liable for the check amount because I took the money out of my account. He stated to wait XXXX business days to be sure of how Chase would handle this. A few days later I received a letter from Chase with a copy of the check informing me that they were going to take the money from my checking account that they lost. I called Chase customer service to file a fraud claim but was informed that they are considering the check a forgery and I'm liable for the amount taken out and they do not consider this fraud. Although that is exactly what this is. So far the bank has taken over {$6000.00} out of my checking account. Please help
Consumer complaint received 2024-09-03
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (IL)

I purchased a XXXX XXXX money order XXXX for {$35.00} and mailed to a creditor. It was lost in the mail and the creditor charged me a late fee. I submitted a refund request in early XX/XX/year> online at XXXX XXXX 's website. I waited over a month and did not receive it. I submitted another request online, still nothing. So, I submitted a refund request via XXXX with the money order receipt and a copy of the purchase receipt in late XX/XX/year>. I also file a complaint with the XXXX I received an email reply from XXXX XXXXXXXX XXXX Executive Resolution Dept. on XXXX stating that I would receive the refund within ( 7 ) to ( 14 ) days and that they would also waive the {$15.00} refund fee. It has now been over ( 30 ) days and still nothing. I have been now trying to get my refund for over ( 4 ) months now.??????
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is 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 2024-07-01
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. (TX)

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.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I currently have an active credit freeze on my TransUnion credit report. I am unable to lift that freeze despite trying multiple points of access. The website will not let me access my account despite changing my password and performing over XXXX identity/email verifications. The phone line routes me through multiple pieces of identifying information after confirming that I want to temporarily lift a credit freeze, then directs my call to the dispute department while advising that I should access the website. The hold time to speak to representative is unknown, as I hung up after XXXX hours. I attempted to reach out through the website chat but had a XXXX minute wait. I finally was able to get in touch with their social media team on XXXX. They asked me to verify my identity through a series of questions. Question XXXX asked for the amount of my mortgage, but could not clarify which of my mortgages they were referring to ( I have XXXX ). The second question asked about zip codes, none of them applied. The third question asked who owned property in XXXX, Texas, where my parents live and listed my XXXX 's name as an option. I don't own property there and never have. I'm not sure what my parents property ownership has to do with my credit account access. I was informed that I did not answer XXXX out of XXXX questions correctly. Now I have to email my bank statements and a copy of my drivers license to TransUnion. I need the freeze lifted immediately, but their system is so broken that I can't lift the freeze.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian is incorrectly reporting my student loan totals, despite multiple disputes. The information was corrected briefly after I filed my first CFPB complaint on XX/XX/XXXX ( complaint XXXX ), which led to me withdrawing the complaint. Today, XX/XX/XXXX, I received a notification that my report had been corrected and it is now, again, showing incorrect amounts. 

I have documentation from XXXX that shows that I have two loans currently reported as of XX/XX/XXXX. One loan has a balance of {$55000.00} and a second loan has a balance of {$13000.00}. Yet Experian is reporting one loan for {$13000.00} and one loan for {$68000.00} ( an amount that was last reported in XX/XX/XXXX ). 

I have filed disputes on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. The dispute filed on XX/XX/XXXX led to a correction of the information temporarily ( dispute number XXXX ), however as of today, XX/XX/XXXX, they are once again reporting this account 's balance as {$68000.00} instead of {$55000.00}. 

Because of this repeated error, my total loan balance is being shown as {$81000.00} with a total payment responsibility of XXXX XXXX monthly. My total loan balance is actually {$68000.00} with a total monthly payment of {$820.00}.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (CA)

The associated account with my partner dropped below the ( XXXX? ) balance on his account and as a result our joint account started getting monthly service fees ( $ XXXX ). This drained more than {$500.00} out of the account. But, they didn't send ANY email! I rarely use this account so I didn't notice. I went to close this account, but they refused to refund the monthly fee. XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following accounts below are claiming to both own the same debt, with a balance. As you know this is not possible and also a violation of my rights. Because of this, BOTH accounts need to be removed from my credit report immediately. Due to not properly validating the information in which a company has passed to you. Please delete immediately. When the requested accounts below deletions are made and removed. Please mail me an updated copy of my credit report. 

ACCOUNT 1 : ( XXXX XXXX ). 
ACCOUNT 2 : ( XXXX XXXX  ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).
Consumer complaint received 2024-07-29
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)

In accordance with the fair credit reporting act XXXX  account number XXXX with account name XXXX XXXX XXXX has violated my rights. 

15usc1681 section 602a states i have a right to privacy.

15usc1681 section 604a section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-04-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-04
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. (CA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, California XXXX XXXX XXXX XX/XX/XXXX To : XXXX, TRANSUNION, XXXX Subject : Final Request for Verification and Documentation of Account name : XXXX XXXX XXXX, Account # : XXXX This Dispute serves as my final attempt to resolve this matter, of the original high credit balance amount owed {$20000.00}, before pursuing legal action. I am writing to formally request the following DOCUMENTS related to my account : XXXX Verification and proof of the bill of sale for the auction price of the vehicle that was repossessed. 

XXXX A detailed statement showing proof of total actual amount of payments made by me from the opening date of the account in XX/XX/XXXX through the present date, XX/XX/XXXX. 

XXXX Proof of the GAP insurance payment amount you received. 


*Please send all requested documentation by mail to the address provided above within 30 days of receipt of this letter. If you fail to provide proof of the requested documentations to me within this timeframe, I will have no choice but to seek legal action and demand that this account be deleted and removed from my credit report. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Early Warning Services, LLC (SC)

On XX/XX/year> I was denied a new personal checking account based upon information from " Early Warning LLC '' and their consumer reports. After researching this report and information, I attempted to reach out to the company to request a copy of my report. Despite listing business hours at Monday-Friday, XXXX MST, I was sent to voicemail repeatedly when calling their XXXX number, XXXX this morning, XX/XX/year> at XXXX MST. 

Given the seriousness of their area of business, it is unacceptable that they are not answering calls during stated business hours. I have a right to know what's in my report, and this lack of transparency in operating hours is prohibiting me from exercising that right.
Consumer complaint received 2023-04-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-06-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION (CA)

I have a mortgage and HELOC with TruistBank. I received a letter dated XXXX/XXXX/XXXX  from Truist Bank regarding a data breach in which my personal and account information was stolen. The letter indicated that one of the actions I should take is to work with your local relationship manager to have new account number ( s ) issued. 

As I am unaware who this local relationship manager is, I called the Truist Client Care phone number also listed on the letter. 

After more than 1 hour on the phone and being put on hold while various departments were consulted, I was told there is no way to change my mortgage account number and the only way to change my HELOC account number is to apply for a new HELOC. I was also told that no fraud has been committed with data stolen in the breach and that the information stolen could not be used to commit fraud on my mortgage account. ( No comment was made on whether or not fraud could be committed on my HELOC account with the stolen data. ) When I asked why they sent me a letter saying to change my account number when its not possible to do it, I was told that the letter went to all customers but that the recommendation to change account numbers was meant for savings and checking account customers. 

In short, they have no way to actually execute the action they recommend their customers to take.