davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I hope this letter finds you well. I have diligently pursued the removal of fraudulent items from my credit report. I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, despite my efforts, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. Despite multiple attempts to resolve this issue, the inaccuracies persist, and I am seeking further assistance to address this matter. This marks the third time I am reaching out for help in rectifying these issues. 

These persistent inaccuracies have caused significant stress and hardship. It is crucial that these issues are promptly addressed to ensure the fair and accurate reporting of my credit history. I respectfully request that you could help me conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies. Please help me remove these inaccurate items immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which is prohibits. They furnished this account that we did not agree upon and i didnt sign any agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which makes it unfair practices. According to the FDCPA I'm entitled to {$1000.00} per violation and clearly they violated my rights
Consumer complaint received 2024-07-10
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: TRUIST FINANCIAL CORPORATION (NC)

When I received an email XX/XX/XXXX ( " statement XX/XX/XXXX '' ) indicating a payment due on a credit card account balance " XXXX '' I was not using. When I called Truist bank they indicated that they had had a number of charges from the same entity that they had previously determined fraudulent without contacting me but for an unexplained reason they processed this one. I filed a dispute of the charge. I indicated I wanted to close the credit card account and savings because of previous problems. Truist indicated to make payments on the disputed credit charge - the only charge. I indicated I thought it was not legal to require payments on disputed charges. They indicated they might hurt my credit rating currently XX/XX/XXXX XXXX XXXX if I did not make payments on the disputed charge. Truist indicated I could not complete my closing of my saving as well as credit card account unless I went to the branch- the credit card account ( had the disputed charge ) was only in my name, but the savings was a joint account with my deceased wife XX/XX/XXXX. Which I did the next day ( finishing ) closing the savings as well. Again, another clerk said she wanted me to make payments on the disputed charge. I belong to XXXX, and I filed complaint to which Truist just now claimed it was a valid charge. I have no idea what the charge was supposedly for - I was never told this. Please help!
Consumer complaint received 2024-07-01
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (FL)

The company processed 6 applications for a consumer loan which were declined because of credit score. I went in to the office and retrieved the paperwork for these denials but was never given the paperwork for the title loan it was a complete surprise. Now I understand better what happened and I believe and contend that it was fraudulent. The terms of the loan were changed unknown by me.
Consumer complaint received 2024-07-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (CA)

Marcus has put my account on investigation hold which has locked all my money for no explainable reason. 

I called on XX/XX/XXXX twice and was given no recourse but to wait while all savings were in accessible and locked up. 

XX/XX/XXXX, I called back and was given no recourse to gain access to my savings account. 

XX/XX/XXXX, I closed my account with a representative which I was told over the phone was completed. 

I then found out on XX/XX/XXXX that the closing of the account and transfer of funds back to the original funding account was denied. They are telling me I have to wait some unknown time to gain access to my funds.
Consumer complaint received 2024-07-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (MD)

This is now my second time trying to put a end to this problem. Originally on or around XX/XX/XXXX I filed a complaint ( complaint number XXXX ) against Wells Fargo Bank Stating .... '' on XX/XX/XXXX a wire transfer of {$400.00} was initiated for to : Wells Fargo Bank , NA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ABA Transit Routing # XXXX For Credit to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NE XXXX Account Number : XXXX For Benefit Of : Account # : XXXX Name : XXXX XXXX The funds came from my account with XXXX XXXX  XXXX The funds never made it to the XXXX XXXX account. On on around XX/XX/XXXX, I personally reach out to XXXX XXXX and they confirmed they never received the funds and was advised to reach out to Wells Fargo. I then reached out to Wells Fargo Bank and was advised that because I didn't have a personal account with the institution I would have to reach out my my bank that initiated the transfer. I went into my local branch and spoke with a banker who's initiated a " tracer '' to locate the funds. She also reached out to Wells Fargo Bank back office to get assistance in locating the fund. As of XX/XX/XXXX there has been 4 attempts to communicate with Wells Fargo Bank from the banker at XXXX XXXX  regarding locating the {$400.00}. Dispite many attempts by myself and XXXX XXXX, Wells Fargo Bank has failed and or refused to respond. '' I was later contact on XX/XX/XXXX via CFPB Portal and a phone call from a Wells Fargo Representative stating that the dispute was closed and that I will be receiving a letter in the mail with details. The representative on the phone told me she couldn't give me any details on the outcome and that my bank which is XXXX XXXX  will give me details. She later stated that I will be receiving a letter in the mail with the details of the outcome. The letter was never received. 

I went to my local XXXX branch and asked if there's been any update after being told I would hear from my bank about an update and the banker called the back office and checked her email for any update and nothing was provided. The bank herself was confused because of the way the situation is being handled. No-one has provided clear instructions or guidelines to handle this procedure. No-one has given proper information as to where the funds are currently being held. There was a tracer performed on the wire transfer and the last place the funds were is Wells Fargo Bank yet Wells Fargo is resisting and unwilling to provide any assistance to provide clear information as to where the funds are.
Consumer complaint received 2017-06-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (TX)

I use coinbase as my cryptocurrency exchange and wallet. I enabled 2 factor authentication on my account as they prompted when signing in. I ended up losing my phone and got a replacement. 2 factor authentication is associated with the lost phone. I can not transfer it to my new phone without first verifying on the phone that is lost. I do not have the seeding information to restore. This leads to bigger issues. I have a limit on the amount of transactions unless verified with 2 factor authentication. I can not log in once the code expires due to the inability to verify a new code because I no longer have the original phone. I contacted support on XXXX XXXX 2017 and I have not received a reply. I contacted support via XXXX @ coinbase support and have not received a response. They do not offer phone support and all support online is automated. There is no number you can call. They literally have been ignoring other member for months without them hearing from support. At this point I feel as though they have a significant portion of my life savings locked into their platform. I literally can not get the courtesy and assurance of a response from coinbase support. I also can not access the helpdesk ticket or request page due to XXXX. Please HELP!
Consumer complaint received 2024-07-04
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Capio Partners, LLC (MI)

Re : XXXX XXXX Account Number XXXX Dear Sir/Madam, am writing to dispute a collection account that you have reported to XXXX, XXXX, and XXXX. The account number is XXXX and the original creditor is XXXX XXXX XXXX I am requesting that you immediately delete this collection account from my credit reports and cease all communication directly and indirectly regarding this debt as permitted under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I refuse to pay this debt or any other debt that you have in or associated with my name. 
Once again! I am informing you to cease all contact with me or anyone else about this claimed debt. Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice that I REFUSE TO PAY and for you to CEASE all further communications with me.

Under the FCRA, a consumer reporting agency may only furnish information for certain permissible purposes, including for credit transactions, employment purposes, and under court order. If a debt collector or collection agency reports an account to a credit reporting agency without a permissible purpose, it could be considered a violation of the FCRA. I never gave XXXX permission to submit an entry on my consumer report! 

Additionally, under the FDCPA, debt collectors must cease communication with a consumer upon written request. I am hereby requesting that you immediately cease all communication with me, including through phone calls, emails, and letters. Any further attempts to contact me regarding this debt will be considered a violation of the FDCPA. 
As per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, as well as the corresponding local state laws, I am requesting competent evidence bearing my signature, which shows that I have ever had any contractual obligation to pay you. I also request any and all documentary evidence pursuant to 15 USC 44, including all documents, papers, correspondence, books of account, and financial and corporate records.

Finally, I am also requesting that you notify all credit reporting agencies to which you have reported this collection account that the debt is disputed and that it has been removed from my credit report as required by the FCRA.

I remind you that you may be liable for your willful and negligent non-compliance. Failure to provide a copy of any alleged contract or other instrument bearing my signature may result in legal action against your company. In such a case, I would seek actual damages or a minimum of {$1000.00} in damages per violation for Defamation, Negligent Enablement of Identity Fraud, each violation of the Fair Debt Collection Practices Act, and each violation of the Fair Credit Reporting Act, whichever is greater, and you will be required to appear in a court venue local to me to formally defend yourself. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION (FL)

PENTAGON FCU Contact XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$10000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

I wrote a check against funds in my Chase Bank checking account # XXXX. Chase Routing # is XXXX. The check was made payable to XXXX and XXXX XXXX and was in the amount of {$670.00}, dated XX/XX/XXXX. The check was stolen, likely from my local mailbox, and was altered to be payable to a person unknown to me- XXXX XXXX. The payable amount was altered to {$2800.00}. The check was cashed with XXXX XXXX mobile banking with whom I do not have an account. 

I completed all of the paperwork that Chase asked of me when I discovered the check had been fraudulently altered and cashed. I submitted to Chase on XX/XX/XXXX their " Declaration of Unauthorized Endorsement or Altered Item '' and a copy of the front and back of the altered, cancelled check. In XXXX of XXXX, I submitted to Chase an official " Original Case Incident Report '' filed with the XXXX Police Department. XXXX # XXXX, Event # XXXX. 

I have called Chase Bank each month since XX/XX/XXXX and they only repeat each time that they can not reimburse my {$2800.00} and that Chase Bank is at the mercy of XXXX XXXX in that the check was cashed with XXXX XXXX. The latter will not talk to me about the case at all because I do not have an account with them. It's as if the XXXX banks are in cahoots to never pursue fraudulently cashed checks so neither bank can ever be held liable. 

I have learned from Chase Bank that their claim number for this case is # XXXX. 
Chase recently provided me with a XXXX XXXX case number of XXXX but XXXX XXXX will not confirm this as I do not have an account with XXXX XXXX. 

Earlier this year I submitted this same claim ( different wording ) to this site and cited XXXX XXXX as the problem. I'd like now to cite Chase Bank as the problem. 
Thanks, XXXX XXXX
Consumer complaint received 2024-07-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (FL)

So I used square XXXX for a couple of days I am a XXXX  technician and I charge customers on services provided. Square sent me a verification email and I verified my business license and all services provided. I got no response from them and they deactivated my account and said will get my {$2000.00} transfers on XX/XX/XXXX. I have many expenses in my business and this money would really help. How can they suddenly deactivate my account and stop me from taking my money for the services that I provided?
Consumer complaint received 2024-07-01
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)

Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within XXXX  days of this complaint. I demand to be compensated as well for pain and suffering.
Consumer complaint received 2024-05-21
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. (TX)

There are inaccuracies in my credit report, which is unjust for me. I ask that you investigate this matter and resolve it. I am really upset and annoyed with these issues. If there are no updates on my inquiries, I will proceed with legal action.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which is prohibits. They furnished this account that we did not agree upon and i didnt sign any agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which makes it unfair practices. According to the FDCPA I'm entitled to {$1000.00} per violation and clearly they violated my rights
Consumer complaint received 2024-07-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CO)

Sent an email to Navient requesting the School Misconduct Discharge Application on XX/XX/year>. Gave them both my email and address. Never received. 

Called Navient on XX/XX/year> and requested the application. Was told it would be sent to my email within a couple days. Never received. 

Attempted to call again in XXXX and could not get through. 

Attempted to call on XX/XX/year>. Phone recording indicated I was next in queue and then indicated no one was available to take my call.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have received a copy of my credit report and noticed that there is information reporting to my credit that does not belong to me. The following information listed in this report I have no relation to. This has hindered me to be able to build a good credit profile. Under FCRA 605B I am requesting that this information is removed from my credit report within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any original documentation stating that I owe a debt to these creditor. Failure to comply will result in a litigation process against all parties involved including any agency reporting fraudulent information to my credit profile. 

The following information is fraudulent. 

XXXX XXXX XXXX Balance {$4300.00} XXXX XXXX XXXX Balance {$520.00} Inquiries : XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Resident Verify XXXX/XXXX/XXXX Resident Verify XX/XX/XXXX Please Mail all correspondance to XXXX XXXX Pl XXXX XXXX NC XXXX
Consumer complaint received 2023-09-13
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNRISE CREDIT SERVICES, INC (MA)

Hi CFPB, I am having issues with Sunrise Collections Services / Sunrise Credit Services the collection agency for ( XXXX ) Over 5 months ago they tried putting collections on my XXXX account for {$310.00} XXXX disputed the case ( Case # XXXX ) and had collections removed. I guess XXXX was unhappy with the decision and want to fight it so they then went to XXXX and placed the collections there. I am very frustrated that they are making me dispute the same issue again. It is extremely time consuming and you please have XXXX and their collection companies they hire stop placing colections and trying to impact my XXXX XXXX? thank you. 

I had already spent a total of XXXX minutes ( that I could track ) on the phone with XXXX and XXXX store visits. I would call because I received emails about returning a cable boxI was getting unclear, unorganized and contradicting information when I would call. Often the call would get " escalated to a hire XXXX '' and multiple times said there is an error in the system and that everything is complete no action needed to be taken ( please check your recorded calls you will hear this ) the store was polite and reassuring ( making notes ) but apparently incorrect. 

We have been customers with xfinity for XXXX years never missing a payment and always being on auto-pay. We had XXXX accounts with you XXXX XXXX XXXX XXXX and XXXX XXXX. 

I have disputed this situation once and now have to spend more time disputing this is getting ridiculous can you please assist in helping me.
Consumer complaint received 2024-07-01
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. (PA)

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.