davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Michel Law, LLC d/b/a Level One Law (NY)

I enrolled with the debt solution company Level One Law in XX/XX/XXXX. They stated and was going to help me with my high credit card balances with the credit card companies.They informed me that they will work with the various credit card companies I enrolled in this program. The use the company XXXX XXXX to managed my funds deposited every month into this account. In total they received from me since XXXX, XXXX {$4800.00}. XXXX. The were taken approximately {$980.00} per month.I since requested a full refund as of XX/XX/XXXX. I informed them I wanted to opt out of this program and wanted my funds returned to me ( As I am able to do as per the contract I signed ) This request went to them back in XX/XX/XXXX. I am still awaited a refunded of my deposited monies from the XXXX XXXX account. Level One Law contacted About XXXX weeks ago Level One Law contacted and stated my refund will take place in about XXXX weeks. Please reach out to them and seek a follow up with my complaint. Thank you.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phillips & Cohen Associates, Ltd. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Dispute of Debt Collection by Philip and Cohen Associates LtdXXXX Due to Identity Theft To Whom It May Concern, I am writing to file a formal complaint against Philip and Cohen Associates Ltd. XXXX who has been attempting to collect a debt allegedly owed to XXXXXXXX XXXX XXXX XXXX XXXX I believe this collection attempt is the result of identity theft, and I am a victim in this matter. 

I have never opened or authorized the opening of any XXXX XXXX account with XXXX XXXX XXXXXXXX XXXX nor have I engaged in any financial transactions that would warrant such a debt. The first notice of this supposed debt came from Philip and Cohen Associates Ltd., who insist that I am liable for the outstanding amount. 

Upon receiving their collection notices, I took immediate steps to investigate this issue. My findings strongly indicate that my personal information has been misused without my consent to open this fraudulent account. Despite my efforts to resolve this misunderstanding by communicating the situation to Philip and Cohen Associates Ltd., they continue their attempts to collect. 

Enclosed with this letter, you will find a copy of my FTC Identity Theft Report, which provides further evidence supporting my claim of identity theft. I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter and to aid in the removal of this fraudulent claim from my financial records. 

Thank you for your attention to this serious matter. I trust that the Consumer Financial Protection Bureau will offer the necessary guidance and action to rectify this situation. I am available at your convenience to provide further details or documentation as required. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MI)

NOTICE TO CURE XXXX XXXX XXXX A Notice of liability was sent in good faith.This matter is willful INTENT, tort. Two affiliates XXXX XXXX XXXX XXXX and JP MORGAN CHASE & CO.UNJUST ENRICHMENT SUFFERING FROM MANY DAMAGES.THIS HAS TO BE SOME FORM OF CONSPIRACY /RICO KNOWING THE FINANCIAL ASSET WAS NOT ISSUED TO THE ESTATE IN FULL.TRADE MARK INFRINGEMENT HAS OCCURRED UNDER THIS ALLEGED CONTRACT ON MULTIPLE DOCUMENTS.IF MY DEMAND HAS NOT BEEN CURED. IF NO REMEDY SET FORTH WITHIN FIVE BUSINESS DAYS OF THIS NOTICE. RELEASE UCC 1 LIEN G.S.A FORMS RELEASE OF TITLE.THE {$100000.00} US DOLLARS, DEMANDED FROM FRAUD ALLEGED CONTRACT. IF FAILED TO RESPOND ATTORNEY AND COURT CASE WILL BE FILED.
Consumer complaint received 2023-12-23
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. (NY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute the presence of a fraudulent public record on my credit report, which is currently being reported by your bureau. Despite my submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), this fraudulent public record continues to appear on my credit report. 

Bankruptcy XXXX XXXX Discharged Reference : XXXX. 

Upon discovering this fraudulent public record, I immediately submitted a dispute to the FTC and provided all relevant documentation to support my claim of identity theft. Despite this, the public record remains on my credit report, causing significant harm to my creditworthiness.
Consumer complaint received 2023-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (GA)

I submitted a competed reaffirmation form XX/XX/XXXX. I was told I would receive confirmation of my filling within 7 business days. I am beginning a Master 's program on XX/XX/XXXX, which is why this form was needed so that my Financial Aid could be released. Here we are, XX/XX/XXXX, after 4 calls and 4 surgery people including a supervisor, I still have not received the form, which means I'll have to push my start date for school back. I have no books and am in no way ready to begin in 6 days due to this hold up. I was promised the form today and still haven't received it after speaking with 2 additional people. I need help with this issue. This is very poor customer service.
Consumer complaint received 2024-01-17
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. (TX)

I requested that information reported on my credit report be updated. I sent in the updated information to XXXX Experian and XXXX. No response back. Also they are reporting information from creditor accounts that have been closed as need attention or flagged as charge off. Those accounts are XXXX XXXX, XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc. (IL)

Dear Consumer Financial Protection Bureau, I am writing to seek your assistance with an ongoing issue that I am facing with Coinbase. Despite my continuous efforts to regain access to my account, I have been repeatedly locked out, causing significant inconvenience and concern regarding the security and management of my investments. 

Over the past several days, I have been in constant communication with Coinbase 's support team. I have followed all suggested steps including resetting my password and completing multiple identity verifications. Each time, I am instructed to repeat the same procedures without any resolution or clear guidance on how to proceed effectively. Nothing has changed. 

The lack of access to my account not only prevents me from managing my assets but also raises serious questions about the security protocols and customer service efficiency at Coinbase. I believe this situation warrants further scrutiny, especially since it affects my financial stability and trust in digital asset platforms. 

I respectfully request the CFPB 's intervention to facilitate a prompt and fair resolution to this matter. Please advise on the next steps I should take or if there is specific information you require from me to assist further. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance. 

Sincerely, XXXX XXXX Coinbase Email : XXXX Saved Case Numbers : # XXXX and # XXXX
Consumer complaint received 2023-09-22
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Grow Credit Inc (FL)

I opened an account with grow credit. 

make a monthly payment to them plus a small processing fee, then I can use their virtual visa to pay for certain services.

I linked my bank account and paid from said bank account without fail for close to a year or more.

Every so often they would report to me that my bank account didn't have enough funds to cover the charges ; this was never the case.

Even when I manually tried to initiate the payment their systems would refuse to accept the payment.

I reached out to them numerous times, they're telling me that their system reports I have insufficient funds in my bank account. None of this is true, they refuse to process the payment and now they reported a XXXX days late charge on my credit report. 

This is for XXXX dollars! 

Not only that, I had to migrate my XXXX payment the the same bank account Grow Credit tries to tell me doesn't have XXXX dollars. 

I've also attached a screenshot from Credit strong where I make 10x the payment to them each month that grow credit says I don't have in my bank account. 

I clearly have the funds in my account and was successful making payments for many months without issue and I still continue to make payments to others from the same bank account.

I am not sure what grow credit is trying to accomplish by lying about my bank account when I can also provide bank statements as well showing payments successfully being withdrawn every month.
Consumer complaint received 2023-04-21
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. (CA)

This is my 5th 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 XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$560.00}
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (GA)

I ordered products from a merchant that I needed shipped by a certain time. The merchant still had not created the shipping label for the product by the promised time for delivery. I requested a refund via email and they stated they would initiate that refund via email that same day. Weeks went by and I proceeded to contact the merchant because I did not receive the refund after 15 days. I have sent multiple emails, direct messages on social media to no avail. I went ahead and filed a dispute with the bank and provided all documentation of my paper trail of trying to contact the merchant dozens of times, and them initially stating they will issue a refund. The bank denied my dispute regardless all of this and told me because it was due to an authorized transaction. I never told the bank it was not. I informed them that the product would not be to me on time, I was told I would get a refund and did not which is why I was disputing. After responding to their denial explaining to them that they need to reconsider because they have all the proof to honor my dispute, they told me that there is nothing else they can do.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dear XXXX XXXX, I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Sandman Law Group LLC (CT)

Last year I was involved in an eviction, I went to court in 2022 and was told and documented that if I completed with all of what the Landlord asked for paying the rent on time ect that the attorney would take the eviction off of my record in which he has not. He conducts law in XXXX XXXX XXXX  his name is XXXX XXXX his phone number is XXXX. I've tried contacting him several times and my case worker since I am XXXX has tried contacting him also via email and phone calls. Can you please help me! The name to look this under in XXXXXXXX XXXX XXXXXXXX is XXXX XXXX.
Consumer complaint received 2018-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

This account was sold to a collection agency disputed & removed by the original creditor due to theft this account is Not mine, both companies have received a theft report but XXXX XXXX   reported to my credit & sent no info to me or my attorney when requested a signed contract with the original creditor. I have no contract with XXXX XXXX also account with this company I am demanding this fraudulent account removed from my credit. I called spoke with a collector XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX & was given no mini Maranda which is required by the FDCPA {$1000.00} violation. Called again XX/XX/XXXX XXXX s/w another collection no Mini Miranda ( violation ) I was told they found my theft report but doesn't see the page with this account only the other account they removed? Both where on the same police report & theft report
Consumer complaint received 2024-04-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (CT)

Auto loan with Wells Fargo went into default after 2 months behind on payments due to a car accident and the bank refused to defer payments. The car was repossessed and a balance was charged to me that was more than what was even owed on it. Its now being reported on my credit report. About the lawsuit with Wells Fargo, I believe this should be included.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXXXXXX XXXX furnished an account that does not belong to me. When i reached out to get more information about the false report they threatened to sue me if they dont receive the funds to this account. Now I have reason to believe that this account was fraudulent and its impacting my consumer report and credit score.
Consumer complaint received 2024-05-16
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (VA)

On XX/XX/XXXX of XXXX  I began utilizing XXXX XXXX home internet. 
I was dissatisfied with my service and on XX/XX/XXXX of XXXX  I requested the account be closed & my services discontinued. 
On my call to end my services I was instructed to wait for a return kit to arrive via mail. A month later, I called saying that I did not receive a return kit. They let me know the kit would be re-sent. 
Two weeks after that call, I did not receive the proper return kit, and instead received a return kit for a tablet. That would not be safe to return the device in. So I called and indicated I did not receive the proper return kit. 
Eventually after playing phone tag and requesting the return kit multiple times, I received the proper return kit. Within one month of receiving the proper return kit, as specified within their return policy, I returned the device in excellent condition. 
I continued to be harassed with collection attempts despite doing everything in my power to return the device in a timely manner. I've been given a number of reasons and excuses for the continued harassment to include the following : - The XXXX warehouse has made a note on your account that the device has been received, but has not actually updated the device to be received and that ticket needs to be updated before the debt can be erased - The debt was transferred to MRS and XXXX is no longer responsible for the debt collection - XXXX needs to update their system before MRS can eliminate the debt. 
- MRS should be able to eliminate the debt because of the notes that are in the system.

( After being told this, for five hours I was being bounced between departments and everyone was saying they couldn't help me. ) And most recently I was told " The device was not returned within 30 days of the service discontinuing '', which would have been impossible because I did not receive the proper return kit within thirty days. 

I've been told numerous times that I am all good and the debt should go away in the next billing cycle. It has yet to happen. It's causing me so much undue stress and irritation, I just want it to stop. Please help.
Consumer complaint received 2024-05-15
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: Contemporary Information Corp (TX)

On XXXX XXXX a Consumer Disclosure file. On XX/XX/2024 the company emailed a copy of the personal consumer information in their data base that reflected an eviction and balance of {$3000.00}. However on XX/XX/2024 the company responded and stated that they had none of my personal consumer information on file. I called on XX/XX/2024 to request a deletion of all inaccurate information and was again told that they had no consumer information pertaining to me in their system therefore my request could not be honored. However this is inaccurate as I have the consumer disclosure file that they had already sent. This issue has prevented me from pursuing happiness and is not fair to me in any way. Upon understanding FCRA 15 USC 1681 ( a ) this company is in violation and is party to libel, slander, and defamation of character. I have tried to settle this matter to no avail.