davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (NY)

I called your department after I purchased a credit report with Identity IQ on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative account on my credit report. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud account on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report XXXX XXXX XXXX XXXX  I have never with this account listed below, so please help me remove this negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXX XXXX Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX  XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and Utility Bill as verification of my ONLY address.
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report High balance is not accurate accross all credit bureau date of last activity is not accurate date opened is not accurate across all credit bureau XXXX  XXXX Account Number : XXXX This is a violation of my rights. please remove it from my credit report 2. 15 U.S. Code 1681s2 ( F ) Reporting information during covid 19 pandemic XXXX XXXX Account Number : XXXX please update to never late 3. 15 U.S. Code 1681s2 ( F ) Reporting information during covid 19 pandemic XXXX  Account Number : XXXX please update to never late 4. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of reinv XXXX Account XXXX : XXXX This is a violation of my rights. please remove it from my credit report 5. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report.
Consumer complaint received 2023-04-26
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. (GA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$20000.00}
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WA)

Ever since I signed up with Venmo, my account has had problems. My account was frozen for no reason and I had to submit documents to unfreeze the account. I am unable to add any payment accounts to my Venmo account. I have been trying to add a credit card but it won't work. When I reached out to customer service, they said they'd get back to me but they never did so I had to request help again. Now they are asking me to submit the same documents I already submitted in addition to my bank account information. They asked me to send them a copy of my bank account statement. I never tried to add a bank account and I'm not sure why they're asking for this information. I just want my Venmo account to work!
Consumer complaint received 2024-07-03
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I received a voicemail from Home Depot Citi Card Fraud regarding a suspicious charge of {$490.00} on my Citi card ending in XXXX. I promptly called them back and confirmed that I did not make this purchase as I was at work at the time. The representative assured me that the transaction would be removed and a new card would be issued, which they followed through with. 

However, in XX/XX/XXXX, I noticed that the disputed transaction reappeared on my statement. I contacted Home Depot customer service and was informed that their investigation concluded that the card was physically used at the Home Depot in XXXX XXXX, located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and Time of Purchase : XX/XX/XXXX, at XXXX am Despite my report, Home Depot reinstated the charge. 

To resolve this, I personally visited the Home Depot store in XXXX XXXX and spoke with a manager, providing my ID for verification. The manager informed me that they no longer had the camera footage from the date of the transaction but provided me with a receipt for the purchase. 

Item Purchased : Item : Dewalt Framing Wall Item Number : XXXX Amount : {$490.00} I took the following steps to dispute this charge further : XX/XX/XXXX : I visited the XXXX XXXX XXXX at XXXX XXXX  to attempt to file a report again. 
XX/XX/XXXX : I visited the XXXXXXXX XXXX XXXX at XXXX XXXX  to obtain a copy of the report. 
XX/XX/XXXX : I received a call from the detective stating that the report was ready. The detective mentioned that they were unable to investigate further because Home Depots camera footage is only retained for XXXX months. 
Throughout this process, I have filed disputes with Home Depot on XXXX separate occasions. This situation has caused me a significant amount of stress and concern. The amount of time I have spent with customer service, visiting the police department, and attempting to resolve this issue has been substantial. 

Despite my efforts to prove that I did not make this purchase, including filing a police report and submitting a copy of the receipt and my ID, Home Depot has refused to remove the charge. 

Supporting Documents : Police report ( attached ) Copy of the receipt from the transaction ( attached ) Copy of my ID ( attached ) Correspondence with Home Depot regarding the dispute ( attached ) Desired Resolution : I am requesting the CFPB to assist in having Home Depot Citi Card permanently remove the unauthorized charge of {$490.00} from my account and ensure no further actions are taken against me for this fraudulent transaction.
Consumer complaint received 2023-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

My house burned down in XX/XX/XXXX. Ever since Ive gone into XXXX dealing with insurance, contractors, permitting, and money issues with being displaced. In late XXXX, I started rectifying my issues with my mortgage. I made an agreement to pay half of the delinquent balance, and defer the other half to the end of my loan. I submitted XXXX lump sum payments in XX/XX/XXXX. XXXX was {$8000.00} and the other {$3700.00}. This wouldve made my account current. The mortgage company received my payments but never applied them to anywhere on my loan. Ive been begging for over a year now for them to correct this issue, without success. Now Im in danger of my home going into foreclosure due to my delinquent balance, however, Ive submitted the payments and theyve cleared.

I need help.Im lost and I dont know what to do to fix this. I feel like Im being discriminated against due to my debilitating XXXX, as well as my vulnerability as a single mother to a XXXX child. Ive legitimately poured every penny of my savings into making my account current, and its not right that its not even reflecting on my account. I cant afford to donate that money to a company, especially considering I am up to date on my payments.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (AZ)

On Thursday XX/XX/XXXX, I deposited a check into NAVY FCU at the branch located XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The check is my XXXX XXXX from the XXXX XXXX XXXX and reflects that it is from the XXXX XXXX XXXX XXXX XXXX. Navy FCU emailed me informing me that they will be delaying the funds. The email reads, " We've taken this precaution because we have reasonable cause to believe that the check is uncollectible from the paying bank based on confidential information that indicates that the check may not be paid. If the bank pays the check, you can expect to receive your funds within XXXX business days of your deposit. '' I called and informed them the check is a XXXX XXXX check and reminded them that per their Funds Availability Schedule they are required to release XXXX XXXX  check XXXX after the deposit date. 
Next-Day Availability. 
BELOW IS THE FUNDS AVAILABILITY SCHEDULE : Funds from the following deposits are available on ( or before ) the first Business Day after the day we are considered to have received your deposit : U.S. Treasury Checks that are payable to you Received electronic payments, such as wire transfers, and Automated Clearing House ( ACH ) credits Checks drawn on any bank, {$220.00} or less On-us checks deposited at a Navy Federal branch office or at a Navy Federal ATM located inside or within XXXX feet of a Navy Federal branch office. 
If you make a deposit in person to a MSR at a branch, funds from the following deposits are also available on the first Business Day after the day we are considered to have received your deposit : State and local government checks that are payable to you Cashiers, certified, and tellers checks that are payable to you Federal Reserve Bank checks, XXXX XXXX XXXX XXXX checks, and postal money orders, if these items are payable to you Cash Other on-us checks
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I am writing to formally dispute the presence of an unfamiliar account on my consumer credit report. The account in question is being reported by XXXX XXXX XXXX. Despite repeated requests to XXXX, XXXX and Experian to investigate this matter over the past seven months, no resolution has been reached. 

I have no prior or current legal business relationship with XXXX XXXX XXXX, nor have I ever entered into any contractual agreement with them. Despite my requests, XXXX XXXX XXXX has failed to provide a physical contract bearing my legal signature to substantiate their claim of funds owed. 

Under the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ), I am afforded federal protection as a consumer, which includes the right to privacy and accuracy in the information reported about me. The failure to grant me these rights constitutes a direct violation of the aforementioned statute and its subsections. 

Therefore, I demand that the account reported by XXXX XXXX XXXX be promptly removed from my credit profile. I expect immediate action to rectify this matter and to receive confirmation of the removal of this erroneous account. 

Please provide me with written confirmation of the steps taken to address this dispute and the final resolution thereof.
Consumer complaint received 2024-03-13
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

A letter dated XX/XX/2023 was sent to me from XXXX indicating that they had a data breach on XX/XX/2023 and that I was XXXX of the people compromised. 

XXXX has done this numerous times in the past. Lakeview who in part of an umbrella of companies doing business and getting hacked regularly is the company who hired XXXX to service my mortgage. 

I was offered a XXXX XXXX  credit monitoring service free of charge. But I have to input all of my current information on the website of that company. I do not trust them. 

XXXX is not protecting the consumer 's information. So far I have had to freeze all three credit bureaus, get in touch with Social Security, get a police report and contact Chexsystems.com to stop any more attempts at opening new accounts under my name. 

I was contacted by a detective from a XXXX XXXX telling me that they had raided a home regarding insurance fraud and car theft and numerous driver 's licenses including ones that looked like mine but with someone else 's photo were found. 

XXXX XXXX sent me an email telling me they were processing my new checking account application. I did not apply for XXXX. XXXX and XXXX XXXX XXXX were telling me that they are processing my new credit card requests etc.. I had not applied for that. 

Needless to say my life has turned upside down.
Consumer complaint received 2018-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (KS)

Today I spoke with a XXXX XXXX from Credence Resource Management who in formed me that this account had gone to collections from XXXX XXXX XXXX. I have been disputing this bill with XXXX XXXX XXXX since XX/XX/2017. I terminated service in XX/XX/2017 and moved to another company. They continued to charge me for services I was not receiving. Their representatives have repeatedly told me that these incorrect charges were reversed and my account was fixed. I just spoke to a representative for hours on Saturday who told me it had been sent to a supervisor. Now I'm being told it is with a collection agency and I can only deal with them and not XXXX XXXX XXXX. This account is not due, should not be in collections and should not affect my credit nor should it be sold to another collection agency.
Consumer complaint received 2018-01-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TN)

Specialized Loan Servicing provided a nonresponsive, misleading, and in some instances false response to Complaint # XXXX as documented in my feedback. The SLS response begins with an old inflated arrearage amount never resolved because the " agent '' could not be located by the CFPB, which in turn had to refer it to the FTC. Even the response includes significant charges to the account that go totally unexplained.
Consumer complaint received 2018-06-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (GU)

I have lost access to my email that is associated with my coinbase account. 

I made a new email and submitted my ID and Photo so I used the new email to recover my account and the ID was accepted. 


It has been a month since I submitted my ID for verification but still no resolution to the issue. 

Note : According to Coinbase website, it takes 48-72 hours to verify the ID and photo
Consumer complaint received 2023-10-31
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: Atlanticus Services Corporation (CA)

I am disputing following companies for unauthorized inquiries I had no knowledge of up until this point. I am a victim of identity theft and will provide docs of the many submissions i have placed to prove that my account has been tampered and. I am trying to clear my report and this includes erasing these inquiries that wasnt authorized by me
Consumer complaint received 2024-07-26
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)

You are reporting the wrong balance and collection agency for account XXXX. My credit report shows a balance of {$200.00} when the creditor informed me that the balance is incorrect. I have attached the last statement from the creditor to show that you are in violation for reporting inaccurate information. XXXX has removed this account due to misleading and false reporting. Remove this account for inaccurate payment history and for reporting the incorrect balance.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I wrote a check from account to someone for his services at my house back in XXXX of last year which was cashed at that time as well. The same check was submitted to the bank to bank yesterday and it was cleared by the bank with out being declined. The check was cashed twice.

The bank will not give me the money immediately since it is their system was in error. The said they open a case for it and it might take few days.

Thanks.
Consumer complaint received 2024-03-07
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (ID)

On XX/XX/XXXX, my XXXX XXXX gift card was charged for the amount of {$240.00} to ahavestore.com. I called the company I believe for the first time on XX/XX/XXXX, or XX/XX/XXXX. The opened a claim and collected minimal information, the only thing they asked was which transaction, and are any more charges fraudulent. Personal information as well. On XX/XX/XXXX the sent an email saying an investigation found the dispute to be false. I called again and received no direct answer as to why. As of XX/XX/XXXX I received an email stating they did not find it a valid dispute due to us giving the card information to others apparently. No context beyond that. I called again and they said it was due to charges being split between California and Idaho. We live in Idaho and went to California for XXXX and received it there so it was used there first. They then refused to reopen the case stating once its closed it can not be reopened and it was closed under false assumptions.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal Credit Union is not allowing me to withdraw my XXXX XXXX XXXXXXXX money. I lost all my identification and NFCU would not issue me an ATM card and allow me to reset all my identifiable information. Also they barred me from their facilities due to loitering and communication with anyone regarding my accounts even via phone. My mother attempted lots of avenues to get my money and everything was denied. Also my mother sent a letter dated XX/XX/XXXX on my behalf requesting to close-out my account and mail me my money, as of yet I havent received a response. Recently, my mother contacted the Navy Federal Credit Union with general questions about anyones accounts relating to my issue and the person was very helpful. Therefore, I sent a certified letter dated XX/XX/XXXX to the Close-Accounts section at the Headquarters, Navy Federal Credit Union XXXX XXXX close-out all my accounts and mail my money to my current address. I currently have {$4300.00} in my savings account and {$93.00} in my checking account. I am diagnosed with XXXX XXXX XXXXXXXX symptoms and on medication. During the time this situation occurred I became XXXX for XXXX year because I stop taking my medications. My parents did their best to help me and my mother advocates for me. I dont understand how a financial institution can hold someones money and this was my only income along with me experiencing an illness. Thank you for any help you can give me to resolving this issue.
Consumer complaint received 2015-12-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Concord Servicing Corporation (CA)

I currently have a loan with XXXX and have been making payments regularly. I am now being charged from Blackwell Recovery which they indicate I owe {$1200.00} with account # ( XXXX ). Payments are made satisfactorily. My payments are for {$260.00} a month and are auto-deducted from my personal checking account. Please remove this derogatory from XXXX credit reporting agencies.
Consumer complaint received 2023-04-26
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. (LA)

The account with XXXX XXXX XXXX opened XX/XX/XXXX reflects as a closed account how can the account be closed and written off and past due as of XX/XX/XXXX this information is inaccurate and incomplete and is affecting my rights as FCRA LAWS and I want this account removed from my credit report the law states all information on my report should so accurate and complete this account was closed XX/XX/XXXX a closed account can not reflect a past due balance this makes this account incomplete and inaccurate please remove this from my credit per my FCRA rights this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off not attempt to collect a debt this information is incomplete and inaccurate
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MO)

This is a new complaint because my old complaint XXXX was not resolved and yet falsely closed. 
This is related to XXXX transaction XXXX 
Paypal/XXXX claimed that the transaction is complete and the funds have been deposited to recipient 's bank, which is a false claim. 
PaypaXXXX had made the claim multiple time, starting around XX/XX/XXXX that the funds have been deposited, again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX, without providing any evidence to substantiate their claim.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (CA)

I purchased an item from a company that uses Pay Pal. While I paid with a CC, Pay Pal decided to open an account for me without my permission. They captured my CC number. I attempted to close the account and once again, they reopened it.