davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Dear i got claim on XX/XX/XXXX, just have 1 person call me around XXXX and let me waiting another 90days, and after that no one response to me and cliam is compeleted. 
its almost 2 years, bank hold the moeny, as they said will refund back to the labor department, but still no retrun back. bank just hold moeny forevery. also I ALREADY REPORT the 202 taxes form and paid the tax to the government!!! now i need the moeny back. if not i will go to on court for back my menoy, right now like bank of america is hold menoy for themselves never got response!!!! 
everytime like waiting you guys answer back!!! almost 1 year waiting with bank, one year waiting you guys give me answer back! as you guys just finish the cliam with no repoense!!!
Consumer complaint received 2021-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have contacted the Credit Bureaus/Agencies XXXX XXXX and TransUnion ) and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately
Consumer complaint received 2021-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX this request is for myself. I have contacted TRANSUNION multiple times regarding my investigative file. ( NOT MY CREDIT REPORT )! My initial request was made in letter form by mail. I specifically asked that my request not be confused with a request for my actual credit report. I received 2 reports in the mail dated within a day of each other as well as 2 post cards requesting identification for the request. I sent In proof of identity. Once again no file. I submitted a complaint to cfpb and initially it was stated my complaint was being reviewed. I also sent to transunion a bill of particulars for their violations. My complaint was closed within the cfpb without merit.The response stated that I had a request about items on my report my request for my file was never addressed. It was stated that my complaint would be looked into. Transunion is blatantly ignoring my request at this point.
Consumer complaint received 2021-10-10
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (FL)

On XX/XX/14 at XXXX, {$250.00} was debited from my Netspend prepaid card from XXXX XXXX XXXX XXXX . The authorized payment was approved with auth code XXXX. 

At XXXX, per my Netspend account details I was changed an {$250.00} from XXXX XXXX XXXX XXXX XXXX The payment was debited with auth code XXXX. 

That same day, I contacted both Netspend and XXXX XXXX in hopes of resolving the duplicate payment error. However, I was advised by XXXX XXXX they are only reporting one payment received from me. Even after providing the authorization codes and dates, I still havent received my {$250.00} back. 

I filed a debit card dispute with Netspend and I feel they did not do a thorough investigation per Regulation E. I also feel that both Netspend and XXXX XXXX are violating UDAAP regulations as it pertains to the lack of services received.
Consumer complaint received 2019-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-10-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (NC)

I Bank with NETSPEND. On XX/XX/XXXX at XXXX a charge was made on my account for {$0.00} to XXXX XXXX XXXX  XXXX Florida XXXX Then at XXXX XXXX. {$160.00} was transferred from my savings account to my checking account. At XXXXXXXX XXXX. {$580.00} was transferred from my checking account to another account with the name XXXX XXXX. On XX/XX/XXXX I attempted to use my card at XXXX XXXX XXXX at approximately XXXX in the XXXX My card declined twice I think called NetSpend to find that my PIN number would not work. And that my account have been completely drained!! I also had no access to my online account either. I was locked out. When I got a hold of customer service they put it through as a dispute instead of a fraudulent claim as I made my way to the police station in XXXX North Carolina to make a report. This person also changed the address on my account to a Michigan address where I do not live and have no ties to. My address is a XXXX address. 
NetSpend also claims to record phone conversations. I requested that they listened to the phone conversations and determine the difference in voices between mine and who made the transfer through customer service. I have never made a transfer through customer service only through my online account using the flashpay ID number transferring money to my fiance 's account which also has my name as a secondary. NetSpend did not red flag this transaction. As this person changed my PIN number my address and transferred money after an odd transaction coming out of Florida for {$0.00}??!! I have also made a request that NetSpend release any and all information to the police for their investigation and they have not done so. They then come to a determination that this was a legit transfer. And refuse to return my money to my account!
Consumer complaint received 2021-10-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 
I am a consumer, natural person, who exercised my right to grant and extend credit by using the open end consumer credit plan by way of the use for credit card of choice, being the social security card. On XX/XX/2021, I entered into a consumer credit transaction with XXXX XXXX XXXX along with the financial institution, Toyota Motor Credit corporation for the purpose of obtaining the property purchased. None of the contracts provided to me had full disclosures including not disclosing that I have the right to rescind pursuant to 15 USC 1635. Therefore, I have practiced my right to rescind before the 3 day expiration after the date of consummation of the transaction and being sent to all parties involved via Certified Mail.
Consumer complaint received 2021-10-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

It has been over 9 weeks of trying to unfreeze my new savings and checking account, and Citibank refuses to help. 
They flagged my account for fraud and will not even tell me why. I gave them many forms of I.D . but they are demanding a utiliy bill and pay stub. Because I do not pay utility bills where I live ( It is a temporary rental until XX/XX/XXXX ) I can not give them my utility bill. Because I am on XXXX, I can not give them a paystub. I did give them my XXXX statement from social security with the same address, and my social security number on it. That is my paystub, but they won't accept it. 
This is now a civil rights issue, because I am being discriminated against for not having a regular paycheck, and only a XXXX statement. I also gave them bank and credit card statements from another bank with the same address on them, and my drivers license. 
My drivers license address was not changed yet because I am living in a temporary rental. But I did send them a copy of the lease for the temporary rental to show a physical address. And I called to change the address on my account to the temporary rental so it would match. 
I just signed a lease for a new rental on XX/XX/XXXX and I updated my drivers license to match my new XX/XX/XXXX address. I can send them this future lease and address-changed drivers license, but I can not even get a call back from XXXX XXXX XXXX Citibank 's executive response office. 
He seems to be purposefully unhelpful, and that is why this dispute is going on 10 weeks. 
I requested another person to call me, but no one called yet. 
All I did was trust Citibank by opening a savings and checking account, while being completely honest in my application. Trusting them costed me literally 50+ hours in disputing time, lots of stress, and my XXXX  scores have dropped over 100 points because they have my money locked up and I can not pay my bills. 

This is unfair. Please help me unlock my money so I can pay my bills. 

The only thing I could think of, as to why they would do this to an honest customer, is maybe they want to renegg on their promo offer? 
I opened the account on a promo offer to receive a bonus of {$1500.00}. 
Is this their way of keeping my money for months without having to pay the promo offer? 
Either way this needs to be resolved. 

Additionally, I have been a Citibank credit card customer for well over 10 years, with the same address on the credit card account. I also called to verify and activate the debit card they sent me for this new frozen account with no problem. So why would they mail a debit card to me to access the {$220000.00} on deposit, if they think I am a fraud? 
And why was my account status healthy when making deposits, and not healthy when I tried to access my money? None of this makes any sense.
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax will not make changes on my credit. My score has been the same for months, at least 40 points under XXXX. I have submitted a dispute for my XXXX  account. I made a total payment of {$970.00} in XXXX which paid my account up to date. No additional payments due untilXX/XX/2021. Equifax has my last payment as XX/XX/2021. They closed my original dispute and removed remarks from this creditor without a payment history update. I had to resubmit.
Consumer complaint received 2021-11-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I have sent several letters to the credit bureaus for them to investigate the following accounts for accuracy and validity on the following dates below : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX
Consumer complaint received 2024-02-27
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. (TX)

I HAVE BEEN IN XXXX XXXX  FOR OVER XXXX YEARS, DURING THE COURSE OF MY XXXX XXXX, SOMEONE HAS BEEN USING MY IDENTITY AND PERSONAL INFORMATION TO OBTAIN GOODS AND SERVICES USING MY PERSONAL INFORMATION. THERE ARE MANY FRAUDULENT ACCOUNTS THAT ARE CURRENTLY REPORTING ON MY CREDIT REPORT, I HAVE DISPUTED THEM MANY TIMES AND THE CREDIT BURURES KEEPS REPORTING IT BACK TO ME AS AN ACCURTE AND VERIFIED, THE QUESTION IS HOW ON GODS GREEN EARTH IS IT VERIFIED WHEN AT THE TIME THE ACCOUNTS WERE OPENED I WAS CURRENTLY SERVING A XXXX  MONTH XXXX XXXX XXXX. I KEEP ASKING FOR PROOF OF THE DOCUMENTS AND I STILL HAVE NOT RECIVED ANYTHING TILL THIS DAY! ..ALL THESE FRAUDLENT ACCOUNTS ARE LINKED TO FRAUDULENT ADDRESS, FRAUDLENT PHONE NUMBERS, FRAUDLENT EMAIL ADDRESS ETC ETC, NONE OF THERE INFORMATION MATCHES MY INFORMATION EXCEPT MY SS # AND MY D.O.B, I WOULD LOVE TO HAVE THE OPPORTUNITY TO HAVE A FRESH START IN LIFE AND PUT ALL THESE PROBLEMS AND ISSUIES BEHIND ME. 
PLEASE HELP ME RESOLVE THIS ISSIUE. 
THANK YOU. 
XXXX
Consumer complaint received 2023-03-06
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)

Dear Consumer Financial Protection Bureau, I am writing to file a detailed complaint regarding unauthorized inquiries and false reporting on my XXXX, XXXX and Equifax reports. I have been a victim of identity theft, and there have been multiple inquiries on my XXXX, XXXX and Equifax reports that I do not recognize. I am a former XXXX XXXX military member, and I was frequently XXXX, which made it difficult for me to monitor my accounts regularly. I have previously filed a complaint with XXXX, XXXX and Equifax but I was told that I needed to be more detailed in my request. 
I am requesting that the following inquiries be removed from my XXXX, XXXX and Equifax accounts immediately : * XXXX XXXX - Inquired on XX/XX/XXXX * XXXX  XXXX  - Inquired on XX/XX/XXXX * XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX  - Inquired on XX/XX/XXXX * XXXX XXXX XXXX - Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX * XXXX  XXXX XXXX - Inquired on XX/XX/XXXX * XXXX - Inquired on XX/XX/XXXX * XXXX XXXX- Inquired on XX/XX/XXXX * XXXX - Inquired on XX/XX/XXXX * XXXX XXXX- Inquired on XX/XX/XXXX * XXXX  XXXX- Inquired on XX/XX/XXXX * XXXX XXXX  XXXX XXXX - Inquired on XX/XX/XXXX * XXXX  XXXX- XXXX on XX/XX/XXXX * XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX * XXXX XXXX  XXXX - Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  - Inquired on XX/XX/XXXX * XXXX XXXX  XXXX XXXX XXXX * XXXX XX/XX/XXXX * XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX and Equifax is reporting that I am late on accounts or past due, which is not true. I would like these inquiries removed from my credit report, and I request that my credit score be updated back to an outstanding rating. 

As a former XXXX XXXX military member, I was often away from home and do not have the means to monitor my accounts as frequently as I would like. Therefore, it is imperative that my accounts remain secure and that any unauthorized inquiries or false reports are removed as soon as possible. 

Thank you for your attention to this matter.
Consumer complaint received 2021-10-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (PA)

I never received mail correspondence from this company or the original creditor. I only received a phone call from a woman claiming to be from the collection company, she called during my work hours. When i expressed to her that she is calling during work hours she abruptly hung up on me. I have not received any further correspondence via mail or any correspondence stating my right to dispute and any options offered to me to help pay off the debt. Prior to this, i have tried multiple times with XXXX XXXX  to resolve the account. On multiple occasions i was told their system was down. They also double charged me and claimed it was because the system went off of the statement balance even though i paid my credit card down completely prior to the statement. They saw this, verified this to be true, yet refused to honor this and fix my account. Since then i have struggled financially to pay the account off.
Consumer complaint received 2021-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NJ)

Multiple transaction over the last several months on my Chase Sapphire Reserve card did not accrue the stated benefit of 10 points for {$1.00} spent on Chase XXXX, as advertised. The amount that this affects is over {$500.00}. 

I have called to resolve but they said they will escalate the situation but I have not heard back from Chase.
Consumer complaint received 2021-10-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Management Control, Inc. (TX)

I sent credit management control a debt validation letter. I ask them for exactly what I wanted from them and they failed to provide me with the paperwork I needed. They didn't provide me with the original contract I signed. All they provide was a statement which is not enough proof. I ask that you delete this account. As a consumer, only I can validate a debt and this is not my debt.
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CURO Intermediate Holdings (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-10-09
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I started getting unemployment threw bank of America and my money was stolen out out my account I reported it filed a claim and reported to fraud bank of America was canceling my bank card and was sending cards out to someone else I reported this to them and they didt do nothing about it they continued sending them out and who ever it was took all my unemployment out of the bank I have been trying to get this problem yaken care of but bank of America keeps denieng my claims and will not investigate what happen and I never got my XXXX
Consumer complaint received 2021-10-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

On XX/XX/2021, I sent all bureaus a dispute letter regarding my credit report. I believe it was a misuse of my credit report. this is very urgent, and I need them to look at it
Consumer complaint received 2021-10-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (VA)

This complaint is in addition to another related complaint I have filed against Coinbase for discriminatory practices ( CFPB XX/XX/XXXXXXXX ). 

My husband and I invested in XRP on Coinbase 's main trading platform on XX/XX/XXXX and XXXX, 2021, and we were not notified at that time of Coinbase 's impending plans to suspend trading on XRP as a cryptocurrency, which took place on XX/XX/2021. While we understand that SEC has levied violations against XXXX XXXX XXXX XXXX that need to be honored, Coinbases decision to suspend trading on XRP was a decision they themselves had made, and one that demanded proper communication to their consumers. Instead, Coinbase decided to prevent trading of XRP on XX/XX/XXXX for customers on their paid subscription tier, Coinbase Pro, but failed to notify clients on their main trading platform ( where trading fees are higher ) of their plans to limit trading until nearly four weeks later. Due to Coinbase 's failure to notify their main platform customers, my husband and I would have had to pay both buy and sell fees to Coinbase to recover our investment.

Coinbases freeze on trading for XRP has now been in place for almost nine months, and we have received no communication from Coinbase as to when this restriction will be lifted ( if ever ). As a result of Coinbases cherry-picking of which laws, regulations, and investigations they comply with and their intentional failure to disclose their plans to limit trading of XRP to their main platform customers in order to maximize their profits through fees, etc., my husband and I have been unable to sell our holdings in XRP for over nine months now. The only recourse Coinbase has suggested is to trade our holdings in XRP to another trading platform that permits trading of XRP an option that represents undue burden to us and potentially requires us to pay even more fees.
Consumer complaint received 2021-10-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc. (IL)

Alliance Collection Agencies , Inc. sent a letter dated XX/XX/, indicating that I owe an amount of {$200.00}. I replied with a certified and returned receipt letter on XX/XX/, for Alliance to validate the debt, but never received a response. 

Alliance sent a second letter dated XX/XX/ XXXX  for the same amount of {$200.00} without response to the first letter dated XX/XX/ XXXX They completely ignored my request. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request a validation of the debt. This is a violation of the Fair Debt Collection Practice Act and validation is required by Federal and State law. I have attached both letters in this complaint with the certified receipt number. 

In addition, I requested Alliance Collection Agencies to provide me with all of the information in both letters I sent. This is to provide me with the agreement and contract with my signature and validation of HIPAA with my signature. They ignored my request for the second time. I examined my credit report on XX/XX/XXXX and Alliance Collection Agencies reported inaccurate information to the credit bureaus ; XXXX, XXXX XXXX XXXX which is a violation of my rights.