davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. XXXX Date of inquiry : XX/XX/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 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 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 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I see a hard inquiry on my XXXX credit report from Bank of America. Then I received a letter from them saying they discuss this with me because I applied for a Balance Assist loan from Bank of America. I told that I made a mistake, I did see that this process would put a had inquiry on my credit report until I selected Apply. I was doing this on my phone.
Consumer complaint received 2023-01-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. ()

On XX/XX/2022, I, XXXX XXXX XXXX, ID XXXX XXXX, sent a money transfer to my sister 's account XXXX XXXX in the amount of XXXX USD. The money was not accepted by the receiving bank and was sent back to the sender 's bank of XXXX XXXX. 
The money was not returned on time. At the moment they are stored in Citibank, the reason why the money was not returned to my account is not disclosed. please understand the problem.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (VA)

I purchased two American Express gift cards for {XXXX} each and sent them to two friends of mine on XX/XX/2022. Upon trying to redeem the recipients received a zero-balance message. Upon getting that message I called American Express immediately to report the stolen cards. I was told on XX/XX/XXXX ; the cards were redeemed in TX but are pending. I was told Amex will put a hold on them, and I was to call the stores and ask to stop the transactions, but no info on whom to call other than they were XXXX stores. I called Amex back and I was to check back with them on XX/XX/XXXX. On XX/XX/XXXX, I called Amex on the off chance that they may have finished whatever they were doing early, and at that time l was given the name, address, and the phone numbers where attempts were made to redeem the cards ( BTW, it was not in Texas, one was in TN and the other was in NH ). In the meantime, I consulted with a lawyer, and I was told the store that sold the cards and the place where the cards were redeemed have no responsibility to fix the problem of the stolen cards, the responsibility lies on the card issuer. However, I called both stores and confirmed what the lawyer said, they have no responsibility to fix the problem. I called Amex and asked them what can be done at that point and I was told the cards were redeemed on XX/XX/XXXX and they quoted me the Terms and Conditions and there is nothing they can do for me, despite the fact that they fed me the wrong information, made wait till the cards were redeemed, and giving hope that I may retrieve my money. 
This happened to me two weeks prior also but did not know what to do about it, in a span of four weeks I had {XXXX} stolen from me in Amex gift cards. Please let me know what documentation is required of me. 
PS. I was asked at the end for a card #, I do not have an American Express Card, this is about a gift card issue.
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (UT)

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 USC 1681. 
XXXX XXXX XXXX Acct # XXXX, has violated my rights. 
XXXX XXXX XXXX  Acct # XXXX, has violated my rights. 
XXXXXXXX XXXX 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 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 relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (MO)

The account has been repeatedly referred for collection by multiple collection agencies and has been investigated and removed multiple times. XXXX has removed the account, but XXXX continues to report it and refuses to provide information regarding what information is being provided to verify the debt. I have never had car insurance with this company. They are attempting to bill me repeatedly for one month of service in XXXX. I believe I requested a quote from this company and they fraudulently opened an account in my name instead.
Consumer complaint received 2020-03-11
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: First Credit Services Inc. (TX)

XXXX  XXXX- XXXX XXXX  in Texas and a debt collection company called First Credit Services , Inc in ( XXXX XXXX XXXX XXXX XXXX ) XXXX , NJ has sent out collection notices threatening to submit my brother and my names to Credit report bureau for invalid bills that were created after we requested in person to cancel our memberships in XX/XX/2019. It is a fraudulent charge where the company denies acknowledgement of our canceling the membership in person.
Consumer complaint received 2023-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TN)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Credit Collection Services, a debt collector who has sent me a debt collection letter for a debt that does not belong to me. I have never had any dealings with this debt collector in question or owed any such debt, I don't know how they even obtained my personal information and I am concerned about the impact this may have on my credit score. Despite my attempts to contact Credit Collection Services to rectify this issue, they have not been responsive, and I believe their actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ). I kindly request that the CFPB investigate this matter and take appropriate action against Credit Collection Services. Thank you for your attention to this matter.
Consumer complaint received 2023-01-24
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: HANCOCK WHITNEY BANK (LA)

I recently wrote to Hancock Whitney Bank, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. Hancock Whitney bank continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. Hancock Whitney bank, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. Hancock Whitney bank has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that Hancock Whitney bank violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is Hancock Whitney bank above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which Hancock Whitney bank is seemingly willfully noncomplying. Furthermore, Hancock Whitney bank continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to Hancock Whitney bank, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, Hancock Whitney bank continues to falsely verify as accurate. This has to stop at once!
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (IA)

In accordance with The Fair credit act XXXX account number diversified adj services # XXXX, XXXX adjustments # XXXX, XXXX collections # XXXX, XXXX collections # XXXX, XXXX collections # XXXX, XXXX collections # XXXX,, XXXX collections # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX,, XXXX collections # XXXX XXXX collections # XXXX, XXXXXXXX collections # XXXX, has violated my rights. 15U.S.C section 602A. States I have the right to privacy. 15U.S.C sec1681 604A section 2 it is also States a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-01-17
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. (TX)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

So I haven't logged into my Coinbase account since XX/XX/XXXX until XX/XX/XXXX. When I logged into my Coinbase account on XX/XX/XXXX, I noticed it didn't require me to put the code from my XXXX XXXX. As soon as I logged in, I knew something was wrong because my total asset value was at {$0.00}. I panicked and checked the transaction history. 

It shows someone exchanged all my coins into USD and withdrew them to several different debit accounts from XXXX XXXX XXXX. Total USD stollen is {$57000.00} from XX/XX/XXXX to XX/XX/XXXX. I reported to local police department right away but the officer told me there isn't anything he could do. 

Talked to Coinbase customer service that night but they only instructed me how to reset my password and XXXX XXXX, and told me to wait. During the talk, I found out the hackers disabled my XXXX XXXX and enabled it on their device. I was wondering how they could easily turn off my Authenticator because it would require ID verification. Coinbase informed me there was no one requesting for ID verification prior to me requesting to regain the access to my Coinbase account. 

I don't understand how Coinbase allowed someone to disable XXXX so easily without proper verification and also allowed withdrawal of tens and thousands of dollar so quickly and easily. Usually there is withdrawal limit. 

I lost my life saving and Coinbase assumed that it was my sole responsibility. I believe millions of people are using Coinbase as it's most well know crypto exchange platform. I noticed there are many people whose assets and cash got stollen from Coinbase account. Some lost more than $ XXXX but received only couple hundred dollars for one time credit. Coinbase still made money off of my disaster because as hackers were selling my coins to USD Coinbase still made money from transaction fees. I don't know if they can really say to use their platform at your own risk and if the money gets stolen they are not responsible at all. I even think that they might be part of the hacking as they made money off of the transactions.
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (NJ)

XXXX XXXX, XXXX XXXX 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 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 An 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 relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-04-25
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (MI)

I ask for a cashiers check from my personal checking account. I did not have the plastic card but have my identification document, other credit and debit cards available. I was also able to login into the bank app. The cashiers check was of XXXX. The funds available in that account surpass the cashiers check amount.

The bank teller got documents and were able to confirm my identity however they said the system should send me a notification on my phone. Which didn't happened. So the bank teller said they can not provide the cashiers check.

They asked me to try on their ATM using the digital wallet where I installed the debit card. It asked for my pin and it didn't allowed me to withdraw too.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *PAST DUE *HISTORICAL ACCOUNT INFORMATION. In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Consumer complaint received 2023-01-24
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. (MI)

This is my fourth 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. 
STATE OF MI XXXX XXXX XXXX Balance : $ - ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$8900.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-12-07
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. (FL)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (VA)

As a Citi cardmember enjoy all the benefits of being a Citi customer check out this cash bonus offer. 

A great surprise in the form of an email that I received mid XXXX. I have loved Citi credit cards up to this point and was looking forward to opening a bank account while regarding myself at the same time. 

I immediately followed the link attached to this email to be able to open an account and within minutes it was established and was ready to start taking the necessary steps for my reward. I followed the steps within the email and their website that states : Open and enroll a new Citi checking account by XX/XX/2024. Enroll in the Enhanced Direct Deposit Checking Acquisition Offer the same day you open your new checking account. Enroll online, visit a branch or call XXXX, XXXX ( For TTY : We accept XXXX or other XXXX XXXX ). 
Make at least 2 qualifying Enhanced Direct Deposits totaling {$1500.00} or more within 90 days of opening your account. 
Receive your {$300.00} by keeping your account open and active until you receive your cash bonus. You will receive your cash bonus within 30 days after you successfully complete all required activities. 

I opened my account somewhere between XXXX XXXX ( Which Citi was unable to confirm or deny as they do not wish to share this information. ) I immediately start routing direct deposits into this account to be able to meet the requirements stated but also to start charging this account for my everyday use. 

By XX/XX/XXXX my funds hit my account with two separate deposits totaling {$2000.00}, I was set. I had done XXXX requirements which I have control over and was simply waiting on my trusted bank to deposit my funds within the next 30 days. Come late XXXX, I dont see any type of credit as promised and thought to myself, maybe I missed a step. I went and reviewed the offer and found everything to be in-line. I thought maybe since the two deposits came in on the same day the bank had labeled it as a single deposit. No worries, Ill route another deposit and by XX/XX/XXXX another deposit was credited to the account used the method expected by Citi. 

It is now XX/XX/XXXX and I have yet to see any type of credit into my account and decide to dial into their customer service to see what I missed or where I stand. The rep starts by questioning the validity of this offer, I read verbatim the offer along with its requirements based on the email I received and followed. I simply get told this promotion is not on your account and nothing can be done after following everything to a T. 

I sit here empty handed, with no choice but to file this formal complaint as Ive been told by my bank to cut my losses. Baffled by their way of handling this, I write this to find some type of resolution.