davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to bring to your attention a concerning matter related to the reporting of unverified accounts on my credit report by Equifax. The accounts in question lack essential information, including the open date, close date, and the name of the original creditor, rendering them unverifiable and creating significant challenges in confirming their accuracy. 

The three accounts in question are as follows : XXXX XXXX XXXX Without the necessary details such as open date, close date, and original creditor information, I am unable to validate the accuracy of these accounts. This lack of information is particularly problematic, as it prevents me from determining whether these accounts may be past the statute of limitations. 

It is crucial to note that my personal information was compromised in the Equifax data breach. Therefore, it is imperative that the information on my credit report is accurate and verifiable. Moreover, upon thorough examination, I can confirm that I do not have an account with the name listed on the aforementioned accounts. 

In light of the violations of the Fair Credit Reporting Act ( FCRA ), I kindly request that Equifax promptly removes the three mentioned accounts from my credit report. The absence of essential information compromises the accuracy of my credit profile and may have a detrimental impact on my financial standing. 

Enclosed with this letter, please find my data breachclaim ID and credit report showing the lack of open date, close date, and company name. Furthermore, Equifax is the only credit bureau reporting this information. 

I appreciate your immediate attention to this matter and your commitment to ensuring the accuracy and integrity of credit reporting.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-01
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC (FL)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2024-02-13
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TX)

This account has been disputed 3 times. Twice with XXXX and once with XXXX. Each time it was concluded that I do not owe XXXX. I gave them notification that I want to close my account and they continue to charge me after I have transferred to a different company and my phone numbers were ported. I highly recommend credit collection companies should go and find a better job to do instead of buying debt at a lower rate and coersing people to pay without having any background knowledge of what transpired between the company and the individual. Also, government need to institute a stricter rule against credit collectors.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

I am a creditor in the XXXX XXXX Bankruptcy for XXXX. 

As part of my settlement, my property ( crypto ) was transferred to Paypal as a third party intermediary, who I did NOT select and did NOT have any option to change. Since then, Paypal has refused to allow me to transfer ALL of my cryptocurrency in one transaction, and has imposed an arbitrary limit of {$10000.00} worth per week. This would take me approximately XXXX weeks to complete with a value of XXXX $ XXXX. 

Paypal required me to submit a " limit increase request form '', which I have now done multiple times over the course of the past month, and every time I submit it, they reject the form without explanation, AND WITHOUT ACKNOWLEDGEMENT OF ANY KIND -- they have provided ZERO updates, and have provided ZERO EXPLANATION why my request was not granted, let alone unacknowledged. 

Calling customer support is useless, as employees refuse to give last names or identifiers of any kind and have zero accountability and offer zero assistance -- every time I call back I have to explain the situation to a new individual who has no idea what they are doing and just recites the same incorrect customer service script, or they disconnect me, or leave me on hold for hours trying to exhaust me. 

As a victim of financial crimes, I have been waiting XXXX years to recover a small fraction of what I am owed and Paypal is creating new problems for me when I never wanted to be their customer in the first place. I want my property off this garbage platform, and I want to close my account permanently afterwards.
Consumer complaint received 2023-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MN)

Truist purchased my mortgage from XXXX back in XXXX of XXXX. During the XXXX of XXXX, Truist failed to properly handle payment withdrawls, losing data in their portal, and reprocessing payments multiple times. As a result, my checking account overdrafted multiple times. Worse, Truist returned multiple payments and reprocessed another without my knowledge. Last, Truist processed transactions via wire transfer, incurring irreversible fees.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (OR)

Mohela Federal Student loans is still reporting a balance of over {$160000.00} on my credit reports. I disputed, and they finally corrected one report, but then it reappeared. I have submitted the letter from the Biden Administration forgiving my student loans. I have confirmed that my loans are indeed forgiven. It has been over 6 months, and Mohela has been put on notice that they are violating credit reporting laws by continuing to report a balance owing. I have requested several times that they correctly report the information to all three credit bureaus. By inquiring online, this seems to be an ongoing issue.
Consumer complaint received 2023-12-13
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

I received a bonus from my company in the form of an America Express e gift card on XXXX. I tried using it at most online retailors ( XXXX, XXXX, XXXX, etc. ) and it did not work. I also tried it for instore purchases at other stores and it did not work. I called customer service and asked if there was an issue. They informed me there was none and that these retailors " probably '' did not accept this card. I asked for a list of retailors that did and they informed they did not have one and could not provide me a website or another representative that did,
Consumer complaint received 2023-06-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2024-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Data Finance, LLC (TX)

I am writing to file a formal complaint against PERSONIFY, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
PERSONIFY, with contact information at XXXX XXXX XXXX XXXX, TX XXXX, Phone number, ( XXXX ) XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations.

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights.

In addition, I believe that PERSONIFY has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures.

I kindly request that the CFPB investigate these violations and take appropriate action against PERSONIFY to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold PERSONIFY accountable for their unlawful conduct.
Consumer complaint received 2024-03-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (PA)

I am writing this Complaint with respect to various cryptocurrency trading platforms offered by Coinbase Global , Inc. not being able to provide legally required records to me. For simplicity, I will refer to myself as " Customer '' hereafter. Customer bought a XXXX  called XXXX XXXXXXXX ( XXXX ) offered on Coinbase 's " Coinbase XXXX '' platform on or around XX/XX/XXXX. Between this date and XX/XX/XXXX, the approximate value of a unit of this cryptocurrency fell to zero United States Dollars. In or around XXXX of XXXX, Customer attempted to go back to one of Coinbase Global , Inc 's platforms " Coinbase XXXX '' in order to obtain/download records for the aforementioned XX/XX/XXXX buys of XXXX XXXX ( XXXX ) only to find that " Coinbase XXXX '' is no longer functional and any attempt to sign in to Coinbase XXXX simply leads to the sign-in screen presenting a red error message that says : " Coinbase XXXX  is deprecated. For all trading needs log into coinbase.com. '' A screenshot demonstrating the same is attached below. Following this, Customer attempted to log in to Coinbase only to find that full Coinbase XXXX trading records are not available from Coinbase.com ( another, related Coinbase Global, Inc. platform ). Records of the buy times and XXXX  units which were bought are available on Coinbase.com ( and the same is attached below in the document labeled " XXXX XXXX '' ), but there are no records of the price at which the assets were bought in these records. XXXX as the XXXXustomer needs detailed records in order to declare a long term capital loss on personal taxes, Coinbase needs to find a way to provide the customer with detailed, accurate records and/or provide the customer with sufficient monetary compensation to cover any long term capital losses which can not be declared due to the absence of such records. The price of XXXX XXXXXXXX swung between {$86.00} and {$1.00} on the day, XX/XX/XXXX, these XXXX XXXXXXXX ( XXXX ) buys took place and, due to the fact that the Customer has XXXX units of XXXX XXXXXXXX ( XXXX ) as demonstrated in the Coinbase XXXX wallet screen capture labeled " all XXXX example '' attached below, the capital losses could be between {$36000.00} and {$620.00} and the buyer does not have a recollection of what the actual amount was. Please note that the Bank Secrecy Act ( BSA ) indicates that detailed records of said trades should be available for at least XXXX five years from the XX/XX/XXXX date the XXXX  XXXX ( XXXX ) buys took place. Accordingly, Customer needs these records to be provided immediately.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

First, I used my Marcus Goldman Sachs savings account routing and account number to make my property tax payment on XX/XX/2024 that would be due on XX/XX/2024. Then, I tried to withdraw {$5000.00} from my savings to my checking account on the same day and the day after but got an error about a technical issue each time. Finally, I called customer service on XX/XX/2024 and was told my savings accounts were restricted/locked. I was never given the reason. I spent half an hour on the phone with them to get the restriction lifted. I asked them to confirm if my property tax payment would go through and they confirmed it would. I got another call in the afternoon from them about my property tax payment. I told them I spoke with them earlier that day and that the restriction was lifted. I asked them to confirm again if the property tax payment would go through and they confirmed it would. Today XX/XX/2024 I received an email from the tax collector that the payment did not go through and would be delinquent at this time. I rushed to pay my property tax in person and had to pay a XXXX  % penalty that added up to over {$600.00}. I called Marcus Goldman Sachs again to issue a complaint and asked again for the reason why my accounts were restricted/locked in the first place without ever notifying me. They could not give me the reason.
Consumer complaint received 2024-02-17
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)

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 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX ( XXXX, XXXX XXXX ) I attempted to withdrawal cash from an ATM in the lobby of the XXXX XXXX XXXX XXXX. My husband and I were stranded in XXXX due to the snowstorm and airport closure ( XXXX ). The transaction appeared to be going through where I requested XXXX Euros. At the point where it should have spit out my money, it did not and instead the screen displayed a Temporarily Out of Service message. It never provided me a receipt. I have never had this happen to me before as in the past if a machine didnt have money to process the transaction, it would at least provide me with a cancellation receipt. Since this was odd to me I took a photo, which I have shared with Wells Fargo to no avail. 
I checked my account from XXXX to ensure that the transaction never posted. Initially it showed as pending but never hit my account so I assumed all was well. Once back in the XXXX, I noticed that on XX/XX/XXXX the transaction for {$250.00} USD hit my account. I contacted Wells Fargo to dispute this charge and the rep that I spoke to mentioned she would put in a claim. She mentioned that she saw the transaction cancelled so she could not explain why I was charged for it, 15 day later. I told the rep that I had a photo showing the ATM malfunction and she said that she didnt need it because the investigators would pull the recording on the ATM. 
I then received a letter from Wells Fargo on XX/XX/XXXX, indicating that they had completed the investigation and there was no error and that my account was charged correctly. This is not correct as I never received money from that ATM transaction. I contacted the number on that letter on XX/XX/XXXX. I explained the situation to the representative and asked what investigation, if anything the representative on my claim did. I mentioned that when I initially filed the claim, I was told that they would pull the recording tape on the ATM and it appears this was never done as you would see that the machine never gave me my withdrawal. I also mentioned to the rep that I had a photo of the ATM malfunction but was told by the prior rep that they didnt need that. This time I was asked to send the photo to XXXX. Lastly, the rep said she was forwarding my compliant to the corporate offices and that I should email the photo of the ATM which I did on XX/XX/XXXX ( see attached email ). 
On XX/XX/XXXX, I sent a follow up email as I had not heard any response. Its now more than a month later and I have heard nothing from Wells Fargo. This is pathetic customer service for a customer who has taken money out all over the world and never had an issue. I am looking for Wells Fargo to do their due diligence and actually investigate my claim which will ultimately result in proving I didn't receive the money from the ATM and I would like my account to be credited.
Consumer complaint received 2024-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I submitted a unauthorized bank transfer/fraud claim to Bank of America due to realizing my savings account was having small amounts withdrawn and transferred into checking but those amounts never changed my balance so my money was disappearing. I closed my accounts 03 weeks ago but it was going on for the last year and I lost over XXXX.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I called Chase Bank because realized I had a very much lower amount then expected to have in my Debit account for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I only use this card for products on XXXX and XXXX XXXX and XXXX  shipping company called XXXX XXXX. Nothing Else, yet I realized some charges that I didn't recognize were made since XX/XX/XXXX from a company in the XXXX XXXX called XXXX XXXX, varios charges were placed for a full amount of {$560.00} ; I also realized I had withdrawals from a company called XXXX XXXX since XX/XX/XXXX this was also a company from the XXXX XXXX they made various charges for a full amount of {$1300.00} these I knew were all fraudulent charges. So I made sure speak with the fraud department and let them know about both these charges and they said they would help but it would take a few days. 

XXXX comes we still didn't have the money back, we stayed calling and asking for updates but they kept brushing us off by saying they were working on it. In mid XXXX they let us know that they gave us the Money back from XXXX XXXX charges the amount of {$560.00} but they did'nt want to give us back the money for the other company XXXX XXXX acting as if we did'nt make the claim in time because some charges still showed as pending and that we should have made the claim before XXXX  days. They gave us back the money that we did claim after the XXXX  days yet they don't want to give us back the bigger amount from the fraudulent company called XXXX XXXX that we made a claim for before the XXXX  days. I visited the bank and tried to fix the problem but the banker just filled a complaint and now it officially been weeks and no update has been given.

I have proof that all this info is correct I would appreciate any help as soon as possible. Thank you.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  attached is my ftc police report, ID and fcra 605B