davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
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)

I was denied credit ( loan ) through XXXX XXXX, who used credit reports from XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX, FL XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX E-mail : XXXX XXXX 
this is a violation as a consumer.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sunbit, Inc. (GA)

spoke with company back in XXXX sent in ftc reports and police reports company removed from XXXX but left on XXXX  its been 4 months and still they havent removed file from XXXX yet. And I called on XX/XX/2024 i spoke with a representative and she said the account was removed from all credit bureaus. But XXXX hasn't removed as of yet.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (DC)

This is my second complaint to the CFPB on the same issue. I have been trying to close a checking account with Chase and retrieve my money since XX/XX/XXXX. Today is XX/XX/XXXX and I still have not received the check, which is in the amount of nearly {$2000.00}. The location of the money seems to be a mystery, even to Chase. Ive talked to endless customer service reps, visited 3 Chase branches, and even worked with XXXX XXXX XXXX  for over XXXX minutes. She could not navigate Chases back office to resolve the issue, nor can I. The bank contends that they sent the money around thanksgiving, but I did not receive it. I dont believe they sent it. Chase required that I find a notary and fax them an administrative form stating that I didnt receive the money, even though they contend that the check was never cashed. That was XXXX weeks ago and I still dont have the money. Can you please help?
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit profile is showing that I have an open account and balance with XXXX. XXXX is no longer my student loan provider. My XXXX account is closed and has a XXXX balance because my account has been transferred to XXXX. The issue I am having is that my credit report is showing 2 student loan account and balance. My credit reports shows a student loan balance of over {$100.00}, XXXX when it should only show a balance of around {$52000.00}. I have disputed the balances with all 3 credit bureaus but my account won't update to reflect the correct information. I only have 1 student loan provider and that is XXXX.
Consumer complaint received 2017-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (CA)

I was billed for my monthly payment of {$13.00} on XX/XX/XXXX ( a payment plan pmt. ) however, a payment {$100.00} payment was made on XX/XX/XXXX. The payment hit my checking account and was returned unpaid. I now have a {$30.00} NSF charge and you will probably charge me a NSF returned check fee of about $ 30ish ), with a possible negative reporting. 

Secondly, I have a negative credit reporting from XXXX for XX/XX/XXXX/XX/XX/XXXX payments which were e-checked from my checking account ( paid!!! ). I have been disputing that for the last six months ( even with the CFPB two months ago ), and that 's not fixed! This is a nightmare on my account. 

Today ( XX/XX/XXXX ) I have called XXXX XXXX XXXX at XXXX to close the account. I also called their lost/stolen line at their phone number, XXXX, which is a 24 hour 7 days/week line, due to suspected abuse, and all I get is, " THE CORPORATE OFFICES ( OR ) GUEST SERVICES ARE CLOSED. '' I called starting @ XXXX up to XXXX ( PDT ) ). What do I need to do to get all this corrected? SUE XXXX IN A CLASS-ACTION SUIT!!!
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Recently, I conducted an investigation on my credit report and it made me really upset that the XXXX reporting credit agencies can claim that they are reporting everything 100 % correct when there are so many inaccuracies between the XXXX bureaus for the account XXXX card. I found that there is unverifiable, invalidated, inaccurate and questionable item that that are obviously not 100 % accurate. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681 e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that this account for XXXX card was properly investigated and came back as verified. However, how can that be possible when there are several inaccuracies showing on my report between the XXXX agencies?
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX and XXXX XXXX are linked to my credit report. I rented one of their homes and moved out without owing any money back in XXXX. However, it is now XXXX and I'm still being referenced with this couple. I was asked how old XXXX was on and identity test! I need their information removed from my credit report.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (OH)

On XX/XX/XXXX I challenged US Banks Financial Institution on the erroneous inaccuracy that was reported to XXXX XXXX after a long intensive investigation XXXXXXXX XXXX removed the account off my consumer report on XX/XX/XXXX. Unfortunately when I try contacting US Bank Corp they refuse to be compliant with removing this account out of their system, even after I have supplied them proof of removal with documentation to prove it was removed off XXXX XXXX due to the inaccuracy and still they continue to be non compliant with my request. On XX/XX/XXXX I went inside the branch and tried to get assistance with a manager however it was still a discrepancy between the back office and the account was still showing up unfortunately this has caused chaos and is a clear violation of my consumer rights!
Consumer complaint received 2023-04-04
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc. (KY)

I have reached out to XXXX XXXX and to Lockhart and morris collection company, I found an agreement with the school stating that I had to work for them for one year and that that would be resolved. I worked from them from XX/XX/XXXX up until I left Georgia in XX/XX/XXXX. After speaking with the school, they agreed at the speaking with Lockhart and Morris. They sent information to the school and then sent me a copy of the contract, which I already have, and still did not resolve the issue. my work dates for XXXX XXXX was I started school XX/XX/XXXX got my license XX/XX/XXXX from there. I did my training from XX/XX/XXXX until XX/XX/XXXX was waiting for the next part of my training and on a leave started back up and XX/XX/XXXX and was there until XX/XX/XXXX.
Consumer complaint received 2024-01-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc. (AZ)

I have reported them to the XXXX XXXX XXXX about XXXX times now. They are several months behind in reporting for my loan. They ONLY report when I file a XXXX  report and the last time they only reported to XXXX credit bureau and were at least XXXX months behind. I need all of my information updated immediately and reported on time monthly to every credit bureau as they are obligated to do. This has gone on for too long and is extremely poor business practices and Im sick of having to report them every month for any movement on my credit report.
Consumer complaint received 2023-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (KY)

In XXXX of XXXX, I was expecting services for my wedding XX/XX/XXXX, I did not get those and I contacted my bank to get my money back. ( Merchant blocked me ) after 6 rebuttals and a police report, Chime said they seldom give money back if you have been scammed, the amount was for XXXX $
Consumer complaint received 2023-03-15
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. (NJ)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-19
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. (IL)

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX XXXX XXXX XXXX [ Their Address ] [ City, State, Zip ] Re : Dispute of Debts To Whom It May Concern, I, XXXX XXXX XXXX, am writing to dispute two specific debts currently listed on my credit report. The first, reported by XXXX XXXX XXXX with a last report date of XX/XX/2024, concerns an open balance of {$510.00} related to XXXX of XXXX XXXX XXXX. The second, reported by XXXX XXXX XXXX with a last report date of XX/XX/2024, concerns an open balance of {$880.00} related to XXXX XXXX XXXX XXXX XXXX. 
As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 U.S.C. 1692e and 15 U.S.C. 1692g, I am disputing these debts and request validation. These statutes mandate accurate and honest communication about the debt and require you to provide a detailed validation notice. 
Furthermore, there seems to be a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2, as my consent was not provided for accessing or reporting my credit information. This is particularly concerning regarding the debt from XXXX XXXX XXXX, where there is no clear permissible purpose under the FCRA for accessing my credit report. 
I also cite 15 U.S.C. 1692d and 1692f, which prohibit harassment, abuse, and the use of unfair or unconscionable means in debt collection. Given the remarks on my credit report about the XXXX XXXX XXXX debt being disputed and meeting FCRA requirements, it is imperative that these matters are handled with strict adherence to these laws. 
I request a prompt review of these debts and provision of evidence validating them. Should you fail to validate these debts, I expect their immediate removal from my credit reports and a written acknowledgment of this action. Non-compliance will leave me no option but to pursue further legal action. 
Thank you for your prompt attention to this matter. I await a timely and compliant response. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (AR)

On XXXX the XXXX I was garnished from my XXXX XXXX XXXX XXXXXXXX account for {$1900.00}. I also was charged a fee for this, for the amount of {$120.00}. I was garnished by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OK XXXX ph. # XXXX ( a collection agency for XXXX XXXX credit card ). I checked my credit score a month later. I noticed that the debt was still there and increased. So I called XXXX funding to see why I still owe and how the balance increased when it was deducted from my account a month ago. The agent who works for them named XXXX XXXX is who I talked to and she told me that I was getting charged interest until XXXX XXXX XXXXXXXX released the money to them so I called XXXX XXXX XXXXXXXX to see why they haven't released the money and they said they sent the papers they needed to send back to XXXX funding and they haven't got back with them they both keep telling me the same thing and it's been 2 months now going on three and I have been charged {$300.00} more dollars and the money has already been taken from my account on XXXX the XXXX. The bank called them and they said they haven't received the form from the bank and the bank told them they needed to look to see cuz they had sent XXXX forms then the lady found the form and they still are charging me entrance and when I am trying to talk to them they are getting real rude and just prolonging this process and the meanwhile charging me interest and saying they haven't received the money and XXXX XXXX XXXXXXXX is telling me they have did they part they're waiting on XXXX XXXX.
Consumer complaint received 2024-01-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lyons, Doughty & Veldhuis, PC (MD)

On XX/XX/XXXX i called Lyons Doughty and Veldhuis because i received an alert my wages are being garnished unlawfully. I have never received any summons from the court of this matter. The court is aware this is unlawful and are completely railroading me. I spoke with XXXX and XXXX at their office who stated they have been sending notices to an old address which has never been put on the court record. I have provided the accurate mailing address and they have not sent any court documents to the address. The court instructed the alleged attorneys to properly serve the defendant on XX/XX/XXXX see attached. however they never did. This lawful knows what they are doing is illegal and unlawful. This debt collector agency is violating my rights as a federally protected consumer, and committing identify theft. The alleged attorney ( s ) for XXXX XXXX, XXXX is in violation of 12 CFR 1006.14 a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. The alleged attorney ( s ) for XXXX XXXXXXXX, XXXX XXXX is in violation of 12 CFR 1006.18 the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 
The alleged attorney ( s ) for XXXX  XXXX, XXXX XXXX is in violation of 12 CFR 1006.22 code 1692f a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. 
I never gave them consent to have any of my personal information. XXXX fields who is a clerk of the court signed the wage garnishment who does not have legal authority to do so. 
Lastly, the court lacked jurisdiction over the aggrieved party therefore the judgement and garnishment is void. Because of debt collectors like this, they cause people to become homeless and file for bankruptcy. This debt collectors office needs to be banned. 
I will be filing form 3949 against this law firm for tax evasion and form 211.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The only address should be reported on my consumer report should state. 

XXXX XXXX XXXX XXXX XXXX XXXX The only name reported on my consumer report should be stated. 

XXXX XXXX XXXX The only phone number reported on my consumer report is XXXX any other names or address and phone should be removed.
Consumer complaint received 2018-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I contacted Experian on XX/XX/XXXX and again XX/XX/XXXX to dispute some personal information inaccuracies on my credit report. I included a copy of a utility bill, my social security card and my drivers license with my correct name XXXX XXXX XXXX XXXX as well as my correct address 4XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. I informed Experian of the errors on my report which were an incorrect address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and an incorrect name of XXXX XXXX. I do not live at this address and I have never gone by the name XXXX XXXX. I received a response from Experian on XX/XX/XXXX that the information had been updated. I am unhappy with this response because false/inaccurate information should be deleted not updated. I find it hard to believe that a thorough investigation was conducted in 11 days. As I stated previously I provided my social, state issued ID, and a utility bill verifying my address and correct name. There is no reason for this inaccurate information to be on my credit report. It is a violation of the FCRA.
Consumer complaint received 2017-12-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX Amount : XXXX $ ( XXXX XXXX coins, XXXX XXXX and XXXX $ from bank account ) I went and searched XXXX on XXXX. XXXX search gave suggestions of XXXX. The first link was a AD Link and i went on a clicked on it. 
As XXXX and Coinbase XXXX and have same user details. All the corresponding pages came as usual as login. 
1 ) Coinbase OATH page for username and password 2 ) I entered the username and password next page was 2FA authentication enter the 2FA.

3 ) Got a message saying its taking longer time as XXXX  servers are down.

4 ) Later got page saying first time login you have to authorize the page. Click here to access your account 5 ) i clicked the link and enter my email details later got error try after 24 hours. 

My account was spammed and hacked. 
I had XXXX XXXX coins and XXXX XXXX in coinbase and 4 XXXX coins in XXXX. 
and My bank account was linked to coinbase. Hacker took XXXX  worth XXXX $ and has transfer to unknown account. 

I reported this issue to coinbase with in two hours. I would have done much earlier but wait time was more for coinbase support. 

The support team said they will investigate but till now i have n't seen any response and even my coinbase account is locked and have called many times still no response. 

Informed XX/XX/XXXX XXXX XXXX that the transaction is not authorized and requested for a claim as my debit card has XXXX $ liability.but they came back saying the transaction is legal as i have done this transaction earlier. Have reopened a case and have send all the attachments.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (PA)

I received a check in the mail through Priority Mail addressed to me from XXXX or what looked like a typical low quality outsources company that XXXX regularly uses. I had issues with a number of purchases made through XXXX late last year and have been in contact with the outsourced customer support that XXXX provides even though I reached out through the XXXX  - was still given an out sourced reply that has what you expect from the outsources support world we live in now. 
So getting a check from a company saying they are associated with XXXX was not out of the ordinary.

I deposited the check thinking they were refunding me for the purchases that were in dispute. There is nothing illegal about depositing a check you receive. The check had watermarks and all security features listed on the check. It was delivered through Priority mail and the mailman even rang the doorbell to alert me to it, which isn't a common occurrence other that with more important mail deliveries.

The check turned out to be a scam. I immediately called the bank to inform them of the check being a scam and what the process was to not only stop it but to protect my own account- which seems to be one of the main reasons we use banks.
I wasn't given any info. My account was frozen and wasn't able to access my actual funds from my own hard earned money. Credit cards were being declined that I had on auto-pay which resulted in late fee 's and negative reports on my credit report that I have been working on for the past XXXX years to improve and have improved it to a Good rating- but now that is gone due to M & T bank freezing my account and refusing to help me with this. 
My rental insurance has also been cancelled due to non-payment. There is plenty of money in my account but M & T is not allowing me access to it and causing me great financial distress. They have literally stolen my money and aiding the scam to play out so that I am further caused financial distress. 

This is not what a bank should do. They should be there to help their customers in times like these as they are the financial experts and the role of a bank is to protect us. They have not. They have made this situation XXXX times worse. I am unable to buy food due to this. 
I have tried contacting them multiple times. I have spoken with their general CSR who said they were not able to speak to me.

I called the branch that gave me the fraud departments number. I called them and they weren't able to prove me any information. I submitted a XXXX  complaint and received a phone call from someone at MT but they also didn't give me any info. Upon their request I took pictures of the envelope and all paperwork that came with the check. 

I am unable to access the XXXX  of dollars I have in my account and the bank is treatiing me as if I was the one who orchestrated this scam. I deposited a check that seemed legit all things considered and that is not a crime and I should not be treated this way. 

Thank you!
Consumer complaint received 2024-04-07
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. (MI)

There is a charge off account on my credit report that should not be on there this is hurting my credit I ask that you please re-investigate this matter in this removal this from my credit report please an thank you.