davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am beyond frustrated with the way your bureau has handled my identity theft case. I have done everything by the book with disputing these accounts, yet your bureau continues to make absurd claims that the documents Ive submitted are not valid. I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies, but I refuse to let XXXX get away with their incompetence any longer. Ive contacted the bank in regards to this matter, and they claimed its been resolved. Ive contacted the law enforcement agency and filed a report and affidavit, and they have confirmed that my identity theft report is valid. And lastly, Ive contacted the credit reporting agencies. The two other credit bureaus have removed the accounts per legal requirement, but your bureau feels Im not following all the steps. This is unacceptable. I demand that the Consumer Financial Protection Bureau ( CFPB ) look closely at this case and hold XXXX accountable for their actions. I have filed my identity theft report with a law enforcement agency, and identitytheft.gov is a federal law enforcement agency. There is no excuse for your bureau 's incompetence. XXXX XXXX XXXXXXXX XXXX. For the record, I am the person submitting this complaint. I have not hired a third party, nor is anyone helping me. I demand that this matter is handled with a sense of urgency. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its causing a great deal of strain in my work and personal lives. I am literally losing my mind because I have no other recourse.
Consumer complaint received 2024-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

I have asked for my signature to prove that I am responsible for this debt that I dont recognize. They have refused to provide it. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is Competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent enablement of identity fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to section 623-b )
Consumer complaint received 2024-01-15
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In keeping with the Fair Credit Reporting Act, I am asking that my claim is investigated and any and all unauthorized inquiries removed from 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
Consumer complaint received 2023-12-11
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. (NY)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must get rid of the following accounts from my file. 

DPT EDXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Indie Technology DBA Found (FL)

I received an email on XXXX after logging into my account and discovering my account had been frozen due to suspicious activity. It made me verify my identity which I did via the found app with no hesitation, mind you this is a business account, which I do event planning and event decor, the months of XXXX, XXXX & XXXX are my busiest months so I also use bidding companies like offer up market place XXXX eventing to bid on decor chairs, center pieces, ballons ect. So Id been bidding sending funds via XXXX XXXX from my found account, I was not provided a phone number to contact found, only contact via email or app. Provided info as well as explanation and link to my decor site and I need my funds unfrozen and released asap! I hadnt events this weekend and still have things to purchase. I will no longer use the found account and will use my XXXX business account going forward.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Subject : Update on my {$30000.00} line of credit on my credit reports ( Experian, XXXX and XXXX ) I am contacting you through this letter because attempts to contact the Lender : XXXX XXXX have been unsuccessful. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Phone : XXXX The purpose of this communication refers to the following matters : Unreported or inaccurate information on my consumer credit reports : If you review my XXXX XXXX XXXX account number XXXX, you will notice that I have a {$30000.00} line of credit, which is not being included on my Consumer Credit Report. 

a ) When reviewing my XXXX report, I noticed that the {$30000.00} credit limit is not reported or reflected anywhere. nor the payment history of the last 24 months. 

b ) When checking the Experian credit report, I noticed that the {$30000.00} credit limit is not reported or reflected anywhere. nor the payment history of the last 24 months. 

c ) When checking my XXXX credit report, I noticed that the {$30000.00} credit limit does not appear
Consumer complaint received 2024-01-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Bank locked my entire account ( a main checking account and several savings account ) on XX/XX/2023. This was under their assumption of suspicious activity, specifically regarding a wire transfer. Since then, it has been a long challenging year to receive most of my funds back. I have gotten all my personal funds back over the past year. However, there is still an issue with the main checking account. A wire transfer was sent on to my main checking account on XX/XX/2023 of an amount of roughly {$17000.00}. I have asked the bank several times over the past year to re-send the wire transfer that caused all this mess back to the original sender but they refuse to contact them and re-send them the money. I have even spoken to the original sender who sent me this wire transfer and they have let me know that they have tried to reach out the Capital One bank via XXXX messaging but Capital One does not respond back. After publishing my initial complaint with Capital One, I received a letter from them stating : We reviewed the complaint you recently filed with the Consumer Financial Protection Bureau ( CFPB ) regarding the restriction placed on your XXXX Checking account ending XXXX after a wire deposit was received and wanted to follow up with you. Our research has confirmed the decision to end the banking relationship with you has been upheld and final. This means you will not be able to open new accounts with Capital One in the future. 

The funds from the wire deposit posted on XX/XX/2023 will be returned to the remitting bank before any remaining balance will be issued to you in the form of a check to the address on file. 

A check in the amount of {$25.00} had been issued to your mailing address we have on file as of XX/XX/2023. Additionally, a final check in the amount of {$12000.00} has been issued to your address on file and the XXXX Checking account ending XXXX has been closed as of XX/XX/2023. Please allow up to ten business days for each check to arrive from the date they were issued. 

Since this letter dated XX/XX/2023, the remitting bank STILL has not received their wire deposit total of roughly {$17000.00} even after Capital One bank has issued out the remaining balance in the form of a check to me.
Consumer complaint received 2023-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to express my annoyance and frustration regarding the inaccurate information on my credit report related to the accounts listed below : XXXX XXXX XXXXXXXX and XXXX XXXXXXXX. Despite my multiple attempts to resolve the issue, the late payments and negative status continue to be reported on these accounts. It is unacceptable that my family 's exceptional circumstances and financial difficulties due to the death of a close relative are not being taken into account. I want to bring to your attention that I have been in touch with the respective creditors, who have agreed to extend goodwill by removing the reported late payments and updating the status of these accounts. I expect that this agreement will be reflected on my credit report as soon as possible. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the XXXX XXXX XXXX XXXX ( XXXX ).
Consumer complaint received 2023-07-26
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. (MO)

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 U.S.C. 1681. 

Account name : # XXXX Account name : # XXXX. Account name : # XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A. States 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 to relating consumer to any consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I am reaching out to seek your assistance and intervention regarding an unresolved issue involving an unauthorized financial transaction processed through PayPal, with related complications involving my XXXX account. As someone currently unemployed, the financial impact of this incident is particularly severe, affecting my ability to cover basic living expenses.

Detailed Incident Overview : Incident Dates : Between XX/XX/XXXX and XXXX. 
Description of Incident : An unauthorized party initiated a transfer of {$450.00} from my account via PayPal. Of this sum, {$250.00} was directly withdrawn from my funds, while PayPal covered the remaining {$200.00}.

Current Challenge : PayPal is now seeking to recover the {$200.00} it fronted by charging me, creating a negative balance of {$200.00} in my PayPal account. This action is being taken despite the transaction being unauthorized and not initiated by me.

Impact on My Personal Circumstances : Being unemployed, the loss of {$250.00} has significantly hindered my ability to manage essential daily expenses.

The additional demand of {$200.00}, for an amount I did not receive nor authorize, further intensifies my financial distress.

Actions Taken : I have repeatedly communicated with both XXXX and PayPal, asserting that I never authorized this transaction. 
My requests for investigation updates and attempts to escalate the matter have been met with inadequate responses and a lack of proper engagement.

Request for CFPB Action : I urge a thorough investigation into this unauthorized transaction.

I am seeking a refund of the {$250.00} that was unjustly taken from my funds.

I request that PayPal cease its efforts to recover the additional {$200.00} from me.

I expect transparent and regular updates from both PayPal and XXXX regarding the handling of this issue. 

I am turning to the CFPB for help in resolving this matter justly and promptly. The urgency of this situation can not be overstated, given its profound impact on my financial stability and well-being.

Thank you for your attention to this matter. I look forward to your prompt response and assistance.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (GA)

XX/XX/year> I deposited a tax advance for a {$1000.00} Citi bank failed to return my money they failed to verify the check so they deposited the money and never released my funds saying it was fraud the people who issued my check sent XXXX hold harmless letters to notify them the check was not fraud they have yet to release my funds its been for months this bank needs to be investigated and closed down
Consumer complaint received 2024-05-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (CA)

I purchased a vehicle from XXXX XXXX that is financed by Bridgecrest. During the first year of the loan, I experienced a financial hardship due to fraud, and was unable to make payments. The company deferred those payments ( even though those payments were deffered they still reported them negatively on my credit reports ). Since that time I made all payments as required and at some points paying over {$50.00} extra per month. Theyre now saying that the remaining balance is due in full, and are refusing to help even though Ive made all payments for the last 4 years. In addition, to requiring the remaining balance be paid in full, they stated if it isnt paid by 5/30 they will begin reporting negatively on my credit report, even though Im continuing to make my $ XXXX week payment. Vin of the car XXXX
Consumer complaint received 2024-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (CO)

My account balances change despite not making purchases. I continue to need to transfer money into account, when I shouldn't need to due to balances decreasing after I have made sure all bills/purchases have been deducted. Most recent example, I left {$500.00} in my account for the week, I did not have any pending debits. I did not make any purchases. 3 days later, my account balance was down {$450.00} dollars. I then received and email from my XXXX  account about a XXXX  purchsed form coin base. I have not purchased any XXXX, I have not used a XXXX  account in over 15 years. I contacted PNC to report. was unable to get anywhere with them on the phone, was told by the representative I should go into a branch. I have called PNC several times in the past few months due to account balances. Problems accessing my account, passwords and questions being changed, the account balances changing without making purchases, with all pending actions already accounted for. This appears to be a sophisticated level fraud, web ring type of transactions.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC. (NM)

XXXX XXXX drect deposited my check on XXXX XXXX money was stolen from account Filde dispute XXXX money was returned a few days later .The same day money was returned it was stold by same person again I file a dispute once again was told a new card was sent out again it takes 7-10 days that is card number XXXX account under investigation again now it frozen a bank won't give me any info on why account was frozen and under investigation again why it's the same person that took the money the first time I was told to move my money to another bank or pre-paid card I didn't have any were to move it. A few hours later account was released before I even got a new card in hand this same lady stold my money for the 3 time now my account has been frozen again for investigation why are you holding my money now the account has been closed and im told it will take about 30 to go throw investigation and send out check .. how did this person have access to my account when I didn't have not one of the 3 cards sent to me by bank??? Here it is XXXX XXXX and I still have not received the money that had been stolen from me i have been unable to get any answer from any one at the bank... I need help to find out why this person has been given my check 3 times and I have not been allowed access to my money at all for now 3 months.???
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

Filed my 2023 federal and state taxes on XX/XX/XXXX via XXXX. Provided routing/account detail to XXXX for a {$2300.00} refund from the state of Oregon. Unfortunately, XXXX imported my checking account details for the direct deposit refund from the prior year. I changed banks from Chase to XXXX XXXX during 2023 and explained my mistake with Chase personal banking customer service and asked what next steps are to have funds reversed and returned to the State of Oregon. I confirmed with the State of Oregon on XX/XX/XXXX that my the refund for {$2300.00} was sent electronically to Chase on XX/XX/XXXX ( State of Oregon transaction # : XXXX ) and that the funds had not been returned by Chase, per State of Oregon customer support. State of Oregon customer service personnel indicate the refund has not been returned by Chase and online tracking of my refund with the state indicates the following : " Your refund has been deposited in your bank account or your refund check has been cashed. Please verify with your bank that the funds are available for your use. '' Upon contacting Chase customer service multiple times since XX/XX/XXXX, Chase support indicates that no direct deposit has been attempted to be delivered to my closed checking account with Chase for the amount of {$2300.00}. They have directed me back to the State of Oregon to reconcile this issue. 

At this juncture, the matter seems to be an issue of each provider claiming the other is at fault and I would appreciate CFPB 's assistance in reconciliation.
Consumer complaint received 2024-05-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (AL)

XXXX XXXX has harassed me since XXXX and has effected my credit score. This is a fraudulent account and charges generated by a XXXX XXXX employee. I no not have a XXXX XXXX account. The device purchased was paid for and the items were returned as shown in the attachment.
Consumer complaint received 2024-01-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (PA)

It has been about two months since I have sent Citibank a debt validation notice to which they have not responded with any of the items that I have requested in order for me to verify the debt. They continue to harm my reputation without providing evidence of such debt. This violates the fair debt collection practice act. I requested them to send me both 1. ) A copy of the contract bearing my signature. 2. ) All billing statements regarding the account
Consumer complaint received 2024-01-13
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. (FL)

I provided letter a formal request to opt out of authorization for information sharing under 15 USC 6802, a statute governing the privacy of personal information. The letter included full name and account number, and requested the recipient acknowledge and confirm in writing that the sender 's information will no longer be shared with non-affiliated third parties. It emphasizes the importance of privacy protection and requests a prompt response from the recipient. I have already opt out w/ financial institution to not share my information. I have also submitted a complaint to Experian ( complaint # XXXX ). Thus far I have not had a response from Experian or XXXX XXXX XXXX