davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (GA)

I am writing to bring to your attention a concerning issue I have encountered with XXXX XXXX, particularly regarding the handling of a stolen phone and the subsequent fraudulent activity on my credit report. 

On [ Date ], I placed an order with XXXX XXXX for a phone. Unfortunately, the phone was stolen before I could receive it. I promptly informed XXXX XXXX of the situation and was advised that XXXX, the shipping company, would cover the cost of the stolen phone. However, XXXX XXXX claimed that I reported the theft too late, thus absolving them of responsibility. 

Furthermore, I would like to address an additional matter regarding XXXX XXXX XXXX. I procured a phone through XXXX XXXX XXXX using my business 's Employer Identification Number ( EIN ) and business credit. At no point during this transaction did I provide my Social Security Number ( SSN ). It is crucial to note that the account was opened solely under my business 's name and EIN. 

To my astonishment, I recently discovered that XXXX XXXX had sold the alleged debt to Sequium Asset Solutions, which subsequently reported it to credit bureaus as a collection item. This act is not only erroneous but also fraudulent, as I never provided my XXXX during the transaction with XXXX XXXX XXXX. It is evident that my credit has been unjustly tarnished due to this unauthorized activity. 

I am deeply concerned about the lack of accountability and integrity displayed by XXXX XXXX in handling these matters. Their failure to acknowledge responsibility for the stolen phone and their subsequent sale of purported debt to a third party without my consent or valid grounds are clear violations of consumer rights and fair business practices. 

I am requesting your assistance in investigating this matter and ensuring that appropriate actions are taken to rectify the situation. Specifically, I am seeking the removal of the erroneous collection item from my credit report and the cessation of any further unauthorized actions by XXXX XXXX or its affiliates. 

I have attached copies of relevant documentation, including communications with XXXX XXXX and credit reports highlighting the fraudulent activity, for your review. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of these issues.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NV)

In XXXX of this year XXXX, I sent via registered mail [ RE XXXX XXXX XXXX XXXX ] a security to AND a FIRST NOTICE to Indentured trustee of Synchrony Financial / PayPay Credit Card XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXXXXXX, to apply as payment for account numbers : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX with an INSTRUCTION letter to perform their duties per their Indenture agreement seen here in XXXX XXXX XXXXXXXX? XXXX XXXX under section 4.1 and in accordance with the Trust Indenture and Securities Exchange Acts. 

payment was not applied, and my instructions were not followed which are in line with the Indenture agreement. 

21 business days had passed and I sent out a SECOND NOTICE also via registered mail [ RE XXXX XXXX XXXX XXXX ] with the same instructions which was received on XXXX XX/XX/XXXX with no response from the COMPANY or the TRUSTEE with 21 business days allowed for a response. Attached is the second notice I sent to the TRUSTEE
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NV)

In XXXX of this year XXXX, I sent via registered mail [ RE XXXX XXXX XXXX XXXX ] a security to AND a FIRST NOTICE to Indentured trustee of Chase bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to apply as payment for account number XXXX XXXX XXXXXXXX XXXXwith an INSTRUCTION letter to perform their duties per their Indenture agreement seen here https : XXXX? XXXX and in accordance with the Trust Indenture and Securities Exchange Acts. 

I had received a voicemail the day it was received to call back in regards to the correspondence they received. When I returned the call, each person I spoke with either did not know how to help me or where to direct my call. 

payment was not applied, and my instructions were not followed even though the they are in line with the Indenture agreement. 

21 business days had passed and I sent out a SECOND NOTICE also via registered mail [ RE XXXX XXXX XXXX XXXX ] with the same instructions which was received on XXXX XX/XX/year> with no response from the COMPANY or the TRUSTEE with 21 business days allowed for a response. Attached is the second notice I sent to the TRUSTEE
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NY)

Multiple fraud charges and fraud team tells me to speak to the dispute department. there has been no updates on my claims and fraud and dispute departments keep transferring me back and forth with no update. This has been going on for over a month with no resolution or letters showing any outcome for these claims on charges I did not make with my credit card.
Consumer complaint received 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Unfortunately, TransUnion has not responded to my inquiry. I kindly request your assistance in resolving this matter in accordance with the Fair Credit Reporting Act. 

Upon reviewing my credit report, I have identified two instances of inaccurate information that require immediate correction. The following are the details of the inaccurate information and the required corrections : Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$10000.00} Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$100.00} I assert that the above accounts do not belong to me. Therefore, I kindly request that TransUnion promptly removes the accounts listed under numbers 1 and 2 from my credit report.
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-05-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (PR)

It has come to my attention that the Company JEFFERSON CAPITAL SYSTEMS , LLC has acquired the account due to material misrepresentation, fraud, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW 9.35.020. The Original Creditor failed to legally obtain consent to sell, transfer, or disclose any account information with your company or any other non-affiliated third party as mandated by 15 USC 6802 of the XXXX. Failure to provide FULL disclosure of material information constitutes an unfair method of competition and unfair & deceptive acts of FRAUD. When fraud leads to the formation of a contract, the contract becomes unenforceable, and the defrauded party may void it upon discovery of the fraud. Thus, it is hereby notified that upon discovering FRAUD associated with the contract between the consumer and the original creditor, the contract is now VOID. Consequently, ANY and ALL consent to possess, use, and share private information obtained by, through, or from the contracted original creditor is hereby REVOKED, TERMINATED, CANCELED, and RESCINDED pursuant to RCW 19.86.020 & WAC 284-04-215 ( 6 ).
Consumer complaint received 2023-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the 3 credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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, GA 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 XXXX
Consumer complaint received 2024-05-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was XXXX dollars over which I shouldn't have been I paid all my bills my bank even said my credit card should have been under so on a {$300.00} limit I was XXXX over so I put {$200.00} on it just so I'd have money right away they got rid of the {$99.00} plus gave me {$100.00} but won't let me use the money now they basically embezzle {$200.00} from me I'm on XXXX for mental XXXX and they've been taking advantage of me ever since I've had this car they've embezzled at least a {$1000.00} for me
Consumer complaint received 2023-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file.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 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
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Banks own website is still not correct. I did exactly what Synchrony Banks website says to do to make a payment. Synchrony Bank negligently mishandled my previous XXXX  XXXX XXXX Cashier 's Check and lost it. Synchrony Banks Representative answered previous complaint providing me with new address to mail my payment. I want to be clear. Where do I mail my replacement payment? I don't want a repeat of the last 90 days of Synchrony Banks negligence in mishandling my previous payment. Also Synchrony Bank did not refund me enough money to cover fees to stop payment of XXXX  XXXX XXXX Cashier 's Check that Synchrony Bank negligently mishandled and lost, and it's replacement. The fees are {$35.00} to stop payment and {$15.00} to reissue.
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (TX)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2024-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NC)

I hope this message finds you well. I am writing to address a matter concerning my recent banking experience with SoFi Bank. 

In early XXXX, I initiated the process of opening a checking and savings account with SoFi Bank. Upon completion of this process, I directed my XXXX tax refund in the amount of {$10000.00} to be deposited into said account. The XXXX  successfully processed this deposit on XX/XX/2024. 

Subsequently, SoFi Bank has placed restrictions on my account, citing suspicious activity triggered by the receipt of my tax refund. In response to their request, I promptly provided them with the necessary identification documents to verify my identity. Despite completing this verification process successfully, my funds have not been released. 

As a result, I find myself in a challenging financial situation, compounded by the inability to access my own funds. I am experiencing financial hardship and my circumstances are worsening. 

I kindly request your assistance in resolving this matter promptly, as the delay in accessing my funds is causing significant XXXX. I have XXXX toddlers and currently going through a XXXX I need all the help I can get. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ADIR INTERNATIONAL LLC (NV)

I am submitting a complaint against Curacao. They have been causing so much damage to my credit report with the way they report their credit limit. One month they will report I have a credit limit of {$1700.00}, the next they will report my credit limit is {$720.00}. Causing my debt to ratio to fluctuate. I have submitted several complaints with XXXX but they never do anything. My actual credit limit is {$720.00}. I have attached the screenshot I took on XX/XX/year> & I have also attached a screenshot of the credit limit they reported to XXXX. This has been an ongoing issue. They need to go ahead and start reporting accurate information because once again they are going to cause my credit report to go back down next month. They either increase my XXXX credit limit to {$1700.00} or stop reporting that it's {$1700.00}. This is exactly why I paid them off as quick as I could to have a {$0.00} balance and even then they still went ahead and reported my limit at {$1700.00} with 0 % debt owed.
Consumer complaint received 2023-03-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

This debt is from XXXX almost 10 years old. I have attempted to settle with this company and they refuse to respond. Each time the debt is challenged and removed from my credit record, they place it back on there with a new date that is inaccurate. The debt now says XXXX, and that's not true, this debt is 9 years old.
Consumer complaint received 2024-05-03
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MD)

Payment made on XX/XX/28 of {$130.00} but wasn't enough to cover my pending order with XXXX XXXX. Called back and was told the {$500.00} payment that was going to be made with Synchrony Bank would not be applied for 10 days unless I increased my credit limit. I told him no thank you and he took my debit card information for the {$500.00} payment. As of yesterday, XXXX, the {$500.00} and possibly the {$130.00} payment has not been applied to my XXXX XXXX Account Credit Card and the order is still pending even though I have gone below my credit limit with these XXXX payments of {$130.00} and {$500.00}. Both of these transaction were made with my bank debit card and were taken out of my checking account immediately.
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

XX/XX/XXXX Dear Commissioner XXXX XXXX XXXX, I have an account at Coinbase. 
I received and email saying XXXX XXXX XXXX, Coinbase is committed to working with local regulators around the world. As part of that commitment, we are required by law to periodically confirm and update the personal identifying information of its customers, otherwise known as Know Your Customer or KYC information, and the time has come for us to refresh your KYC details. 
Which I received Sat, XXXX XXXX at XXXXXXXX XXXX I have been trying to access my account without success. The company had copy of my driver licenses front and back. My correct email, cell phone number, password. I was denied access to my account because my video was not acceptable. 
I called XX/XX/XXXX and had to cut call short. I received this email afterwards. 
On Tuesday, XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX, Coinbase Support XXXX wrote : Hi XXXX, Your account functionality is currently limited because the information on your identity verification document didn't match the information you originally entered during sign-up. 

To comply with applicable regulations, Coinbase must maintain current, accurate, and matching customer information. This helps ensure that our customers can use our products and services in a safe and secure way, and we appreciate your patience with this process. 
I also believe Coinbase is attempting make it so difficult for people to access their account with Coinbase that Coinbase will be able to claim the account holder has abandoned the account. I believe after an account is abandoned a certain amount of time Coinbase can claim the funds as theirs. 

I want all my assets in Coinbase liquidated and funds deposited into my XXXX XXXX XXXXXXXX account. 

I would like the XXXX to regulate Coinbase so they use less arduous proof of customer identification to prevent XXXX abuse of customers. 

Thank you. 

XXXX XXXX XXXX phone ( XXXX ) XXXX Cell Phone ( XXXX ) XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: InDebted Corporation (AL)

Spoke with a XXXX XXXX and XXXX XXXX. Told both that this alleged debt does not belong to me, it is a result of identity theft. I initially told them this in XXXX and they continue to contact me after I have furnished them with an identity theft report
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I requested information regarding the account Kohls XXXX and have not received anything. 

Please have this company upload the following documentation : Last 12 months of my billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E., allocation of payment.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

IN XXXX OF XXXX, A PERSON DID NOT STOP AT A STOP SIGN, AND CRASHED ME, CAUSING DAMAGE TO MY VEHICLE. THE OFFENDING DRIVER WAS NOT THE OWNER OF THE VEHICLE, AND HE ALSO HAD A LICENSE XXXX XXXX, SO THE INSURANCE COMPANY ( XXXX ) PAID FOR THE REPAIR OF THE VEHICLE, MEDICAL CONSULTATIONS AND THERAPIES. THIS ACCIDENT UNFAIRLY CLASSIFIED ME BY XXXX AS " CLAIM NO FAULT '' SINCE THEN THAT UNFAIR CLASSIFICATION TO ME HAS CAUSED ME HIGH EXPENSES ON INSURANCE FOR MY CAR, FOR WHICH I HAVE HAD TO PAY UP TO APPROXIMATELY {$370.00} EVERY MONTH. IN XXXX OF THE YEAR XXXX, I CONTACTED XXXX TO REQUEST THAT THEY DELETE THAT RATING, AND THEY SENT ME A LETTER EXPLAINING THAT I WAS NOT GUILTY FOR THAT ACCIDENT. HOWEVER, THE LEXIS NEXIS XXXX KEEPS ME UNDER THE RATING OF " CLAIM NO FAULT '' I HAVE CALLED THEM MANY TIMES ON THEIR PHONE NUMBERS, BUT NO ONE ANSWERS
Consumer complaint received 2024-05-02
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: Bread Financial Holdings, Inc. (NC)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.