davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (FL)

I've gotten numerous emails from " Concora Credit Inc '' under the names of a few different cards, " Destiny '' " XXXX XXXX '' " Milestone '' " Concora '', and on some they said I was given a credit card, enrolled in paperless statements, credit protection and the like, I called and told them I never applied, nor do I want a credit card from them. They claimed they would close the account and report " fraud '' ... then proceeded to send me several more emails claiming I requested to open more accounts. On none of them do they have my current address, but it seems they have my name and apparently my email address? I have asked them before and they keep sending me emails claiming to be attempting to open accounts without my consent. PLEASE HELP! I can forward some of the emails that I haven't yet deleted if necessary. I am concerned they will eventually do something worse than opening accounts and sending me emails, all of which is damaging my credit by them continuing to open accounts in my name.
Consumer complaint received 2019-10-06
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. (FL)

I have been trying to correct XXXX XXXX etc. for two years now. I was notified by XXXX that I was on the dark web and that my identity has been compromised my Social Security number had been compromised I just received another notice of that on or about XX/XX/XXXX. I contacted them about them giving me extra security on my account I think freezes on my account I put alerts on my account nothing has been done by XXXX or any of the other credit reporting agencies theres like 30 inquiries that I did not do that is ruining my credit theres charges on there that I havent done and Ive disputed them again everything I can do.
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (IL)

XXXX XXXX XXXX XXXX : Acct # : XXXX, Amount in Dispute : {$1500.00} Dear XXXX XXXX XXXX, This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ) which state : ( a ) Notice of debt ; contents Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing : The amount of the debt ; The name of the creditor to whom the debt is owed ; A statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; A statement that if the consumer notifies the debt collector in writing within the XXXX period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and A statement that, upon the consumer 's written request within the XXXX period, the debt collector will provide the consumer with the name and address of the original creditor, if Re : Acct # : XXXX, Amount in Dispute : {$1500.00}
Consumer complaint received 2024-06-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

Hi, I made a discretionary payment to my student loans, serviced by Mohela, on XX/XX/year> in the amount of {$6200.00}. Towards the end of XXXX I encountered a family emergency and reached out to Mohela to have the {$6200.00} refunded. Mohela told me it was approved but that there was no way to " track '' or provide any confirmation of the refund. I've called on two separate occasions in XXXX and XXXX, and was told that the original request for the refund was never inputted and that the present one was approved and that the request was in the " hands '' of the Department of Treasury. 

It's now XXXX, and Mohela has transferred my loans to XXXX. I still don't know the status of my refund and I have not received it in my personal checking.
Consumer complaint received 2023-07-31
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: CITIZENS FINANCIAL GROUP, INC. (VA)

I received an alert from XXXX XXXX that my XXXX XXXX dropped significantly last fall. I pulled my free credit report and saw a charge from Citizens Bank. I called them and found out that there was a XXXX XXXX credit card with my name on it. I told the representative that I did not open the account. 
She then asked me to verify my information. I checked and everything was the same other than my email address and they did not have my work number. I stated again that this was not my account. The woman asked me if I knew who opened it. I said no. She said she would initiate a dispute on their end. 
I then disputed the account with XXXX and moved on. 
I received a collections call from Citizens Bank in the spring for this account. I told the person I spoke with that this was not my account and that they should not call me again. I alerted them that I had already filed a dispute with the credit bureaus and Citizens Bank and asked if there was a record of this. He said there was not. 
I then called the number for Citizens Bank on my credit report. The woman I spoke to said they wanted me to send : A copy of my social security card and proof of my birth date A writing sample My signature written several time A copy of an FTC report I told her that seemed to invite additional fraud and I would not. 
I disrupted the charges again online with all three credit reports and am filing this dispute for fraudulent activity. 
I did not open this account, authorize this account or in any way use it. I dont know who opened it, how they opened it or why. I am asking for any assistance with removing this fraudulent activity from my account. 
I have been the victim of identity theft before and have XXXX and monthly credit monitoring. Most recently, I was a part of the XXXX data breach and the XXXX XXXX data breach. I do have monthly credit monitoring and I do have fraud alerts on all three credit bureaus. 
Any and all help in getting this matter resolved and removing this Citizens Bank card from my report would be greatly appreciated. I have one credit card and it is in good standing and I would like to keep it that way.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MOHELA (IL)

Account name Mohela department of education XXXX XXXX XXXX XXXX indicates that this account does not belong to me. 


Account name Missouri department of education XXXX XXXX XXXX XXXX indicates that this account does not belong to me. 

My accounts are frozen, please investigate further no accounts should be opened under my name. 

Please remove these accounts immediately as I did not authorize these accounts. And they do not belong to me. 


Please investigate Thank you Best and kind regards Sincerely XXXX ( XXXX ) XXXX
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (FL)

They have called 64 times. Threatening me if I do not provide them personal information.

I have told them 56 times please communicate to me via the USPS so I can verify who they are and their validity. 

The caller is : IC System Correspondence XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX They use a variety of phone numbers from all around the USA. 

The XXXX  of XXXX XXXX, MN have received over 1698 complaints about trying to collect fake or false ATT phone bills. 

Below is IC Systems answer 95 % of the time : " IC System has reasonably determined that the complaint is frivolous. IC provided its response directly to the consumer XX/XX/year>. 

Sincerely, Consumer Affairs IC System , Inc. " The company IC System thinks it has done nothing from .... 

Please get them to quick lying .... '' we will send it to you '' ... .phone calls after phone calls. 

Thank you
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (IL)

On XX/XX/year>, I mailed a Certified Debt Validation Letter to Chrysler Capital via United States Postal Services which was delivered on XX/XX/year>. I waited 30 days to receive a response from the company ; however, I did not receive a response. I then followed up with an additional Certified Debt Validation Letter on XX/XX/year>, and it was delivered on XX/XX/year>, giving Chrysler Capital 15 more days to validate debt. However, we are now passing the 15-day mark with no response from Chrysler Capital After several attempts to validate this debt, I still have not received any communication and this unknown debt remains on my credit report which is a violation of my rights.
Consumer complaint received 2024-06-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

On XX/XX/year>, I checked my Coinbase account and saw that approximately {$110000.00} worth of XXXX was missing from my account. I then checked my e-mail and discovered XXXX e-mail notifications from Coinbase sent/received on XX/XX/year> informing me that they were verifying that XXXX assets were transferred out of my account by me. I never authorized any of these transactions nor was I aware that they had occurred until 2 days later. Coinbase failed to send the usual verification codes to my cellphone and did not verify the new device that was used to transfer the stolen funds. I immediately on XX/XX/year> reported this unauthorized activity to Coinbase and has several conversations with various individuals on their " support team ''. Several of them agreed that the usual necessary verification process had not occurred, and XXXX of them assured me that my money would be returned after an investigation and approval by a higher level Coinbase associate. A few days later, I received an e-mail correspondence from the Coinbase support team absoving themselves of all responsibility for securing my account and blaming me for not securing my devices ( phone and computer ) properly. There were no breaches of security on my phone or my computer, which were in my possession at all times, nor did I receive any suspicious calls, texts or e-mails. I am extremetly disappointed in Coinbase 's handling of this theft of my assets and hope you will assist me in recovering them and holding Coinbase at fault as they clearly breached protocol security measures.
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX XXXX XXXX XX/XX/year> XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX, and XXXX ] Re : Dispute of Account Information Pursuant to Fair Debt Collection Practices Act ( XXXX XXXX XXXX ) To Whom It May Concern, I am writing to dispute the accuracy of information regarding an account with XX/XX/XXXX, as reported by your agency. This dispute is made under the provisions of the Fair Debt Collection Practices Act ( XXXX XXXX XXXX ). 
Name on Credit Report : XXXX XXXX Account Number : XXXX Date of Report : XX/XX/year> I have reviewed my credit report from [ XXXX XXXX and XXXX XXXX information regarding my account with XX/XX/XXXX Specifically, the report states [ describe the specific inaccurate information, e.g., account balance, payment history, account status, etc. ]. 
Upon review of my records, I have confirmed that this information is incorrect. According to my records [ provide details supporting your claim, such as payment receipts, statements, or correspondence ]. 
I am requesting a thorough investigation into this matter in accordance with my rights under the Fair Debt Collection Practices Act. Please investigate this dispute and correct any inaccurate information in my credit report. Additionally, I request that you notify me in writing of the results of your investigation and provide a corrected copy of my credit report. 
Enclosed are copies of [ any supporting documents you have, such as payment receipts, account statements, or correspondence ]. These documents substantiate my claim and demonstrate the accuracy of my account information. 
Furthermore, please ensure that any corrected information is provided to all credit reporting agencies that have received this inaccurate information. 
Please acknowledge receipt of this dispute within 30 days and inform me of the actions taken to investigate and correct the information. You can reach me at the above-listed contact information if you require any further details or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A. (FL)

Earlier in the year I received three or four letters from the bank stating I needed flood insurance. Subsequently I received one final letter stating that upon further review I do not need flood insurance. I never bought flood insurance as per that letter. A month went by and I received a statement from the bank stating that I now needed flood insurance and they had purchased flood insurance and it was the top insurance. I scrambled and purchased my own insurance for a third of the price. I called the bank and complained and asked why I received that letter and nothing subsequent stating that I needed insurance. It took three or four calls to different individuals to finally get someone to say that that letter had actually been mailed to me and that no it did not look like I needed insurance at that time but it may have been a mistake on the bank 's part. I have asked numerous people for copies of the letters that were sent. I asked for copies of both the letter that stated I did not need the flood insurance and anything subsequent. I have received nothing from anyone. I have asked numerous times, left messages, sent emails, to numerous people, and been told every time letters will be sent via mail or email. In the last month or two that I have been working trying to get this resolved I have received only one call back. It is been an utterly ridiculous show of customer service from this bank. I have been in contact with their executive client branch and been given the runaround numerous times. I have left numerous messages and sent numerous emails. Finally got through today and was told that the gap insurance would stand because supposedly they sent the letter stating that I did need insurance. I never received that letter. The last correspondence I did not need flood insurance. The next correspondence was a statement for flood insurance they had purchased. For about the 7th or 8th time I've asked for copies of those letters and have been told they will be in my email box by the end of the day. The same statement I received the last numerous times I've asked for them.
Consumer complaint received 2024-06-12
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: JPMORGAN CHASE & CO. (IL)

I am writing this letter to request a dispute on several hard inquiries that have appeared in my credit report. The hard inquiries listed are as the 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 XXXX
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Coinbase, Inc. (PA)

My Coinbase account was compromised and converted into USD and withdrawn from my Coinbase account to two fradulently opened credit card accounts in my name. Several buybacks were attempted through the account. XXXX response was that the perpetrator stated that they were you and checked the box when they filled out the form. 

XXXX opened these accounts despite a credit freeze on all 3 accounts.
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I have had a card for over 2 years. Never had a late payment till now. 

I recently had a rejected payment on my account due to lack of funds. My fault, a transfer hadn't gone through in time. 

In attempting to fix the problem I tried to make a few payments from another account, as each one went through I confidently sent another. I didnt realize at the time that this account couldn't make outside payments and a week later I saw the rejections. 

I understand that my account was closed due to multiple rejected payments in a weeks time. 

However, they never told me the reason, I can only surmise this is the reason. They did offer to help me open a new card ..... 

They have kept 2 years worth of rewards points and refuse to give the cash value. 

They had no trouble closing the account without notice so I couldnt cash in the rewards in time. 

I just want my rewards points. I earned them. I paid {$95.00} a year for them. 

I also want my {$95.00} back since I can no longer use the card.
Consumer complaint received 2024-06-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (UT)

I was notified via letter that monthly payment abruptly increased from $ XXXX to $ XXXX with XXXX notice. Called and was told that they had made an error. Then told that I had to go into forbearance or cancel payment if I wanted payment to be correct ( XXXX until due date ). Was offered processing forbearance but no administrative forbearance despite them making the mistake.
Consumer complaint received 2024-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

I was taken off of payment and put on deferment due to an extreme weather issue despite not experiencing any issues. I asked to be removed from deferment to continue making on-time payments but, I did not receive any response.
Consumer complaint received 2024-05-31
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX BANKRUPTCY Case Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.