davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Professionals, Inc. (TX)

I looked on my credit report and saw that XXXX XXXX  placed this negative information. I tried relentlessly to contact XXXX also XXXX XXXX XXXX regarding this issue. When I called the hospital was told there is no record of debt. Ive sent faxed, emailed, verbal communication of this information. Each person including supervisors say that there isnt any information on this debt. I submitted a financial statement of hardship to hugely and advent with no response. Then a negative statement on my credit report. XXXX XXXX and on limited income. Ive submitted over and over financial statements.
Consumer complaint received 2024-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc. (CA)

For over a month I tried to access my funds in my Coinbase Inc. account. I saw prices slipping and wanted to make some moves. I tried to prove ownership by submitting IDs, including passports and DLs and a passport card. They requested a video which I gave several then wanted me to hold up my passport with the date written on a piece of paper all in a selfie. They said they couldn't see me clearly. It was XXXX unbelievable to give all that info - and in a not very secure fashion and still be denied. I estimate I lost XXXX to XXXX XXXX dollars.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Green & Sons Agency, Inc. (UT)

Subject : Dispute and Request for Validation of Past Due Tuition Account XXXX XXXX XXXX XXXXAccount Number : ** XXXX Dear XXXX XXXX I am writing to formally dispute the past due status of my tuition account, which currently appears as a negative entry on my credit report. This entry is having an adverse effect on my credit profile, and I believe it to be inaccurate. 

Request for Validation under FCRA and CFPB According to the Fair Credit Reporting Act ( FCRA ) and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ), I am entitled to request and obtain validation of any debt reported on my credit profile. As such, I require that you provide the following : 1. **Evidence of Past Due Status** : Comprehensive documentation that accurately demonstrates the account was past due, including specific dates and amounts.

2. **Detailed Account History** : A full account statement detailing all charges, fees, payments, and any relevant dates that substantiate the past due status. 
3. **Verification of Communication** : Copies of any and all correspondences sent to me regarding the past due status of my account, including notices of late payment and subsequent follow-up attempts. 

If you are unable to provide the requested documentation proving that this account was legitimately past due, I request that you immediately remove the negative entry from my credit report. 
-Please update all major credit reporting agencies ( XXXX XXXX XXXX, and XXXX XXXX to reflect the accurate status of this account and remove any derogatory marks associated with it. 
- Provide written confirmation that such corrections have been made and that the derogatory status has been rectified. 

Under the FCRA, you are required to investigate and rectify any inaccuracies in the credit report within 30 days of receiving this dispute letter. Failure to comply will necessitate that I escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) for further investigation and resolution. 

Please communicate with me via the address listed above or through email at XXXX I appreciate your prompt attention to this matter and anticipate a swift resolution. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-08
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: EQUIFAX, INC. (TX)

Hello my name is XXXX XXXX, I recently reviewed my credit report and notices a few unauthorized accounts. I have tried resolving the issue on my own but can't seem to have them removed which is why I am now reaching out to you. These accounts are affecting my approval for a new vehicle, which I'm in desperate need of. Please review promptly and have them removed from my report. 
Thank you.
Consumer complaint received 2024-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (SC)

This account is a bill from XXXX XXXX, where I've never been treated, in a state that I didn't live in on the date of service. I've disputed this collection account before and it was removed from my credit report, but it has been reported to my credit report again.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (MI)

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.

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 2024-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CHARLES SCHWAB CORPORATION, THE (NV)

On XX/XX/year> my bank account was compromised as an imposter impersonated my bank and sent all money in my bank account to a person and bank I did not authorize. I notified my bank. The imposter had an email with my banks logo and a phone number with my banks logo so I thought it was legitimate but it was an imposter scam. I did contact my bank but was told nothing could be done. I have never sent a wire before this happened and think my bank should have contacted me for authorization but they did not. I have read that banks are not doing enough to prevent this from happening and I dont feel safe in any bank now as my SS was stolen
Consumer complaint received 2024-06-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Clunk Hoose Co., LPA (OH)

I received a response to my Attorney General dispute and within the letter this office makes the false claim that XXXX XXXX made payments for several years. She has not made a single payment on this property for nearly two decades. There is not a way possible you can provide any payment on the account. In fact, XXXX XXXX 's online website I have accessed shows they kept applying XXXX forbearance requests over and over. At no point does it show my daughter made a single payment. 

Furthermore, my daughter has a debilitating XXXX  XXXX and is in daily treatment. You can view my claims as baseless all you wish, but you can not find one single payment made by her and your clients own records show not a single payment has been made by XXXX XXXX XXXX XXXX All letters generated by XXXX XXXX show payments " deferred '' or " forborne '' using XXXX funds. No bank account information is in this portal, no payment notices, etc exist - because she never made any payments on this account. 

Furthermore, you do not address that the loan modification is not notarized by either my daughter or XXXX XXXX  showing " acceptance '' of this loan modification. 

If this matter is not resolved within the next ten ( 10 ) business days, a lawsuit will be filed.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TomoCredit Inc. (WA)

In XX/XX/2023, I enrolled in a service called XXXX XXXX by Tomo Credit, which promised to help improve my credit score by consolidating payments for utilities, rent, and car loans and reporting them to the three major credit bureaus. The service was initially priced at {$8.00} per month, but without my consent, the fee was increased to {$79.00} per month. Despite the high fee, no improvement in my credit score was reported as promised.

I have attempted multiple times to cancel my membership and unlink my bank accounts and credit card information from their service without success. Additionally, despite numerous emails to their customer service and executive team, I have received no response or assistance. This lack of support and unauthorized fee increase has led to unnecessary charges without the delivery of the promised services.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX But I am not getting any response or completion of my request. I have also submitted the Innovis Credit Report Request Online form and NO SUCCESS. 
"
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (KY)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Diversified Adjustment Service, Inc. (AL)

Under code 15 use 1681a2 that my information was sold without my knowledge or consent my credit reports shows my accounts has been written off as a collection debt and it's closed and still on on my credit reports XXXX. XXXX XXXX XXXX ( XXXX XXXX ) for {$460.00} XXXX. XXXX XXXX ( XXXX XXXX ) for {$470.00} XXXX. Diversified Adj Services for {$100.00}
Consumer complaint received 2024-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (FL)

Previously filed complaint which was closed in less than 12 hours with no resolution. 

Creditor attempted collection of debt that is not mine. Disputed debt via credit bureaus and received no communication nor verification XX/XX/year>. 

Contacted CFPB for assistance and removal from credit report. Bull City responded in less than twelve hours, stating information would be sent to address on file. How is that helpful if 1 ) the debt is not mine and 2 ) it goes to some place where I dont receive mail? Furthermore, this creditor is also aware I recently discovered identity theft and has still made no legitimate effort to resolve.
Consumer complaint received 2023-09-12
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: BARCLAYS BANK DELAWARE (CA)

My card was lost, I noticed so many unauthorized charges on my credit card account. 
I sent them a letter and it was noted that they received the letter regarding the fraud claim stating that the charges was unauthorize, and until now, they are not fixing the issue.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (NJ)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/1983 Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX, New Jersey XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I received a letter from Wells Fargo XXXX Department regarding an old fraud claim filed in 2011. I was told the claim was processed incorrectly and their investigation proved that it would be overturned and I would be refunded for my total debit card fraud claim in the amount of {$5500.00}. I was unaware at the time that interest was due me for the entire time the bank retained my funds. 

They did NOT include interest in the check I received I was only reimbursed the total amount of the fraud claim filed. They did reported a 1099-INT statement to the IRS stating I received {$820.00} in interest from them in addition to the overturned claim above. I did NOT receive an interest payment.

I have spent 8 months calling and being transferred all over the place trying to get the interest check issued or the 1099-INT Corrected with the IRS as XXXX can not file my taxes due to their error. No-one can assist or ever calls back ... .this level of service seems to be the norm but they are creating major problems in my life by this negligence.
Consumer complaint received 2024-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America illegally reported credit card debt which was XXXX in XXXX XXXX XXXX XX/XX/XXXX to the IRS as a debt owed in XXXX. I am being threatened by the IRS by way of wage levy, possession sale and other threats for this balance I do not owe. 

Bank of America stated they have no record of any debt of mine. I can not find anyone at the company to correct this matter. 

They have my former XXXX name and an address I lived at in XXXX listed on the XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

A transfer of approx {$5700.00} was sent from XXXXXXXX XXXX clearly marked to be deposited into an existing retirement cash account at USAA. It never happened. After a month, I requested that the check, which USAA acknowledged they received on or before XX/XX/24, be returned to me at my address on record ( I have been with USAA for over FIFY YEARS ). It was never sent. When I asked XXXX to stop payment on the their check, they found that it had been cashed by USAA. USAA does not know where it went and I have made over a dozen calls to them regarding this. USAA keeps postponing any meaningful response. I have a copy of the cashed check but there is no indication of where the funds actually went.
Consumer complaint received 2024-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FC

RA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the re porting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws. 2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.
Consumer complaint received 2024-05-31
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: HYUNDAI CAPITAL AMERICA (FL)

I was advised by XXXX to contact KIA Finance America ( phone : XXXX and XXXX ) which were reporting hard inquiries on XX/XX/XXXX and affecting my credit score. I proceeded to call and try connecting with KIA Finance America at XXXXXXXX XXXX on XX/XX/XXXX and no one answered and went straight to a full voicemail box. I dialed once more at XXXXXXXX XXXX  and no answer. According to the voicemail it mentions a person by the name of XXXX XXXX and company name XXXX XXXX which Im unaware of who they are. On XX/XX/XXXX I tried calling again to the number provided by XXXX and this time there were two phone numbers. I called the first one again and no difference at XXXX XXXX and again at XXXXXXXX XXXX, then I dialed XXXX and the calls kept dropping at XXXXXXXX XXXX XXXX advised me to file a report through FTC.gov and then directed me to cfpb
Consumer complaint received 2024-05-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NJ)

I am writing to dispute a debt that has been reported on my credit report. According to 15 U.S.C. 1692g ( Validation of Debts ) of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive a validation of the debt. I have no recollection of this debt and was not provided an opportunity to dispute it as required by law. 

If the creditor or collection agency believes they have given me proper notification of this debt, I request that they provide proof of this notification. Specifically, I am asking for the certified mail receipt with my signature that verifies I received such notification. Without this documentation, the debt should be considered unverified and should be removed from my credit report.
Consumer complaint received 2024-05-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Credit Central Holdings, LLC (AL)

An employee called and also text me outside of work by violating my rights and threatened me through a text that's listed below. He continued to call and make threats. There were also false information reported on my credit and according to FCRA law 605 you could not report or call out of term and make threats.i have been receiving calls from different numbers outside of the work hours.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

my XXXX account which is in collection is over 7 years old. According to the FCRA laws this item has to be deleted.

Also please investigate all other collection accounts and find out if they are over 7 years old