davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: OKCoin USA Inc. (CA)

Dear CFPB I have filed a complaint regarding NMLS ID XXXX. 

In the second half of XXXX, I opened an account with a XXXX XXXX wallet company called XXXX and deposited a certain amount of XXXX XXXX Later, due to XXXX 's policy adjustments, XXXX was required to stop its business in XXXX , so it moved its business to the United States . 

At that time, I used my account through the email XXXX. But since the company 's business was transferred, they have never contacted me through this email again. Now, the XXXX XXXXXXXX website has also been closed, and I can't log in to my original account. I have tried to contact the company through other channels many times, but I have never received a satisfactory response, and things have been delayed again and again. 

As far as I know, XXXX  is currently operating in the United States , holding an MTL license, NMLS ID XXXX. According to the long-arm jurisdiction principle of the United States , as long as the company maintains minimal contact, I still have the right to sue them in the United States . 

I have evidence, such as the email the company sent me when I first withdrew XXXX, etc. I would like to file a complaint with XXXX  and ask them to resolve the issue as soon as possible and recover the XXXX  I deposited in their account. 

As of the time I wrote to you, XXXX  has not resolved the issue and has been delaying. 

We hope that you will take this matter seriously, take necessary administrative measures, and urge XXXX to resolve the issue as soon as possible. If they continue to delay, I will definitely take legal action to safeguard my legal rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-07
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. (NV)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 instructions
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am being charged for something and it is fraudulent! I have NEVER had XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX, Minnesota XXXX phone ( XXXX ) XXXX The amount is for {$710.00}. It does not have the dates the account was supposedly opened. 

Please remove this as soon as possible.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (KS)

ou provided a third party ( person ) with my personal and private information. According to 15 U.S. Code 6801, your establishment is to protect my privacy and not share any of my information with any third party ( person ). I was not provided with the necessary documentation you needed to provide to me to sign to grant your establishment to share my information with any third party ( person ). Those documents require three signatures from me, to grant your establishment to share my private and personal information with any third party ( person ).
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Realized that I was a victim of identity theft on XX/XX/XXXX. Since then, I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter. The letter that I have attached was the last letter mailed out on XX/XX/XXXX.
Consumer complaint received 2023-03-22
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023.
Consumer complaint received 2023-11-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

I opened an account with US Bank on XX/XX/2022 for the purpose of building my credit and my social security direct deposit too. The account had to be opened with a XXXX dollars. 

About a week later I got XXXX loan from XXXX of XXXX. This check was deposited in to the account. A day or so later I try my card that's been closed. 

I have talk with manager who tells me the check is fraudulent. And will be closing account. I've called this lady many times with no results. 

I've also called US Bank fraud department and they tell me check has. cleared and money is banks personal account. They said manager has to release funds and they can't do anything. 

My loan is paid and never got any money from it. Banks address is XXXX XXXX XXXX XXXX CA XXXX Thank you for your time in this matter XXXX
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (TX)

Juno, as XXXX supported by XXXX with funds under the care of XXXXXXXX XXXX and XXXX XXXX XXXXXXXX, TN has made it impossible to use debit cards or ACH to withdraw funds from my checking account, of which I have several XXXX dollars in. This is completely unacceptable and I want access to my funds immediately without any further delay. 

Juno tells customers that this is the issue of a dispute between XXXX  and XXXXXXXX XXXX and to contact the Federal Reserve of XXXX XXXX or the CFPB for assistance in accessing my funds.
Consumer complaint received 2018-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (SD)

I received written communication from XXXX XXXX XXXX XXXX   about an outstanding New Jersey toll violation in earlyXX/XX/XXXX. I disputed the debt because I had an active and funded XXXX account at the time of the validation. I even have proof the account was active ( XXXX XXXX transaction history ) of the valid account less than 1 hour before the alleged violation. I have sent two letters of dispute requesting a validation of the debt via registered mail and received the return receipt but I keep getting collection notices. I assume there was a technical issue with the New Jersey XXXX XXXX system which prevented it from correctly reading my transponder during our trip last summer. The New Jersey toll authority did not request payment from my valid and funded XXXX XXXX account and did not notify me of the outstanding toll and sent the minimal amount to collections.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian, & XXXX continue to report inaccurate information on my consumer file. There are several names and addresses that do not belong to me. This is causing me harm and to be denied credit. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX there should be no other information listed on my consumer file. 
The consumer agencies are required to report accurate information according to federal law. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, & XXXX continues to report incorrect information about me. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX GA XXXX any other information that is being reported is not correct and is causing me harm. I have previously sent several disputes and complaints yet neither consumer agency responded this is my final complaint before I initiate litigation for this matter.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

A recent application for credit made me aware that my credit score was being effected by what all 3 credit agencies label as " proportion of balances to credit limit is to high on bank revolving or other revolving accounts '' or " amounts owed on accounts is too high ''. These statements do not accurately reflect the true status of my credit, as all accounts are paid fully each month. Upon investigation, I find that XXXX XXXX is providing what I consider to be false statements concerning my high balance. For my XXXX credit card balance, they stated to all 3 agencies " High balance of {$14000.00} from XX/XX/XXXX to XX/XX/XXXX ''. The balance stated for my XXXX limit card is also inaccurate for the stated period. The high balance they are seemingly reporting occurred in XXXX of XXXX, and was paid off that month. I have attached my complaints to XXXX XXXX, their reply, and a typical example of the credit report that XXXX XXXX is providing to all three credit agencies. 
From XXXX XXXX 's reply letter of XX/XX/XXXX, they state that the high balance they report is correct, and that it represents the highest credit balance since the account was opened. If this is a true statement that represents the credit reporting industry standards, I need to understand how your agency is interpreting the data they provide. Could your please provide answers to the following questions. 
1. Why my accounts were determined to be " high amounts owed on revolving accounts ''? What factors are integrated into your formulas. 
2. Does your credit score system recognize that the high balance being reported is from XX/XX/XXXX. 
3. Are monthly paid balances accounted for in any of your credit scoring procedures. 
4. XXXX  XXXX states they use the highest attained balance as their reported " high Balance ''. Do all similar credit reporting companies apply the same strategy, or do some use a 12, 24, or 36 month rolling high credit balance to more accurately reflect recent credit utilization patterns. ( Please provide detailed answers )
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have received two envelopes XXXX XXXX XXXX XXXX XXXX XXXX ) which had the request to submit one Government ID and One item to validate my address. Since I will use my drivers license for my address. I will use my XXXX passport as Government issued ID ; even though I am not sure whether foreign passport is valid in the United States. I used to send to the headquarters of your company since I have decided to send the important personal information only to the headquarters. As I have sent already some of identification, which were drivers license and social security number, to your office before, I have some strong concern why you need this above-mentioned identification. I will send these documents for the security freeze, which other credit companies, even in one based in California, already added security freeze last year with notary. If you have further doubt, it might be better to ask me to have the notary service by preparing the official document by yourself. Also, your office sent one document, research request form, with both documents. I strongly believe your company used to send the credit report until, at least, at the end of last year, which had the bank accounting numbers, and credit numbers. I believe your headquarters should have them. If not, your company had some hacking and lost all or breached by somebody. 
Sincerely,
Consumer complaint received 2023-09-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (GA)

I purchased a car through Santander Consumer USA in XXXX, Loan # XXXX. I moved to XXXX  when my problem began attempting to register the vehicle. I aim to receive a Title for a XXXX XXXX XXXX, VIN # XXXX, that I paid in full. First, contacting the company has been difficult because the loan was sold or transferred to XXXX XXXX. However, I attempted to reach the company in XXXX. I was told they no longer had information on the loan, so I was referred to a company called XXXX and then to XXXX XXXX XXXX and received some assistance but no title. 

XXXX XXXX stated that Santander did not provide a copy of the Title, so XXXX sent me a Lien Release. The problem is that a Lien Release is not acceptable for registering the car in XXXX. I am attempting to sell the vehicle, and the purchaser insists I have a Title. I called Santander on Wednesday, XXXX XX/XX/XXXX, and the Title supervisor refused to come to the phone. At that time, I came to the conclusion that I needed to take a different approach, so I am reaching out to the CFPB. 

I only want a Title, so I ask that you help me. Thank you.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

5/3 is refusing to let me access my funds. I am sitting here on my way to work trying to get gas and the customer service rep refused to unblock my card. She repeatedly refused to answer me when I asked if she would unblock it and continued ask me about my granular transaction history to verify random payments. I continued to ask if she could unblock my card but she refused and hung up on me, leaving me stranded without access to my funds. It is unacceptable that they turn on and off my access without notifying me and then refuse to reverse the block when asked.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (GA)

Innovis, XXXXXXXX XXXX XXXXXXXX or reporting incorrect information onto my consumer report. My name is XXXX XXXX my address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX there should be no other information listed on my report it is not correct. Send me an updated report listing my information correctly or risk being sued for damages.
Consumer complaint received 2024-06-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MS)

I won XXXXXXXX XXXX and chose an American Express Virtual Rewards gift card. So XXXX XXXX sent me the email with the American Express Virtual Rewards card and the first time I tried it it declined so did the XXXX XXXX XXXX and XXXX time I tried to use it. I have called customer service for the card four times now and they just keep telling me that it's activated and to try again. My account number is as follows American Express Rewards Card XXXX XXXX XXXX XXXX Exp XX/XX/year> XXXX XXXX My information for the card is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX
Consumer complaint received 2023-09-07
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: EQUIFAX, INC. (FL)

Hey Guys hope all is well Im in the process of making and huge purchase for me and my family but theres an account negatively being reported on my credit report that Ive never opened ive filed and identity theft reports via local police station and identitytheft.gov send it out to credit bureau and its still being reported on my credit profile XXXX was the only credit bureau to remove this inaccurate information from my credit report XXXX and equifax are the only to credit bureau reporting this inaccurate information I was an victim of identity theft account were opened that didnt belong to me and have notified all three bureaus that this is an violations of my right under the FCRA XXXX is the only credit bureau that acted accordingly and followed the law under the FCRA XXXX and Equifax decided not to follow the law and which would be to remove the inaccurate information from my credit report listed below that Im unaware of and that Ive never opened up these accounts nor have anyone permission to do so : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Doing my research and studying Ive seen case where both Equifax and XXXX where both sued for this unlawful practice and not follow the law FCRA Ive sent several letters to the bureau and the creditors and also filed reports to the Cfpb and Ive still not getting any information or results from XXXX and equifaxXXXX is the only credit bureaus that removed all the inaccurate information that was being reported on my credit listed above. 


This an violation of my rights and the accounts needs to removed immediately I demand under the law FCRA that XXXX and equifax remove these accounts from my credit report and send me and letter with proof that theyve done so Just like XXXX Did please and thanks I dont know why its taking so long but this isnt fair Ive lost millions of dollars because of this unlawful practices by the creditors bureau XXXX and equifax Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report. 
If you have any questions or need additional information, please contact me at the address noted above. 
Also, I would like to remind you, using the E-Oscar method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe XXXX 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 inaccurateXXXX
Consumer complaint received 2023-09-07
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. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.