davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. 

XXXX XXXX XXXX  : XXXX has violated my rights. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) 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.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. ( a ) Information excluded from consumer reports ( 5 ) 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. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2019-09-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (MI)

On XX/XX/XXXX I was notified of a collection alert on my credit report with XXXX  via email. I logged into XXXX  and viewed the collection. I contacted to original owner twice and in the second call today I and was told to settle this account with the collection company as they sold it to them. I explained to the original owner of this debt that I never received any certified or uncertified mail, calls or any correspondence of any sort about any debt I owed them before it was sent to a collection agency which then admitted to not communicating with me about. 

On XX/XX/2019 I received a response from XXXX XXXX from Penn Credit Corporation that Penn Credit was full aware that they had sent some unknown notification to a non-deliverable address which the post office confirmed I did not live at which just so happens to be the address of this alleged utility collection which I provided evidence of not residing at. I have never see. Any credible validation of this debt. I contacted Penn Credit on XX/XX/2019 requesting communication and debt validation and they failed to response to me or send anything to me about this alleged debt within the regulated time frame according to FDCPA : The Fair Debt Collection Practices Act ( FDCPA ), enacted in 1977, requires that debt collectors provide consumers with certain information during or within five days of initial communication, including, among other things, information about a given debt and the consumers right to dispute the debt. 

I dispute this debt for the XXXX time!
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (MN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-08-02
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. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX I receive an email on my XXXXXXXX XXXX as below : A new device was recently used to sign in to your account. 
When : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX What : The Capital One Mobile App on an XXXX I don't have XXXX, so I try to log in my account but not able to get on. Someone change my password so I have to use my XXXX XXXX to verify to able to log in. After I got in my account, my saving account show {$7000.00} withdraw from my account from the branch ( don't know which branch ). I call Capital One file the report and have them help me. They close all my accounts and reopen to the new account. They told me it will take XXXX XXXX XXXX  for me to get my new account numbers and get my money back. As of XXXX XXXXXX/XX/2023, I still have no update on when I get my money back. 
At XXXX XXXX, I got email from customer security to ask me to call them as below : " Please call us at XXXX as soon as possible so we can verify this recent activity ''. I call them and they told me that someone have a counterfeit my driver license ( the DL was using is issue in XXXX from XXXX ) and went to the branch in XXXX XXXX XXXX XXXX XXXX from my saving. I live in XXXXXXXX XXXX and not sure why the bank give the that much money. That is all I know from them. 
I call Capital One on XXXX XXXX XXXXXXXX and each customer service give me different answer. The security customer service told me the case still investigate and don't know when the money will get back to me so he transfer me to claim department. The XXXX from XXXX XXXX told me to go the XXXX XXXX branch to file the claim to get my money back. I hand up and call customer service. She told me to the branch in XXXX and they will get my money back. Well, when I go the branch in XXXX, they call whoever then they told me the case still under investigate and no one can give me an update or when do I get my money back. The reference number for the case with capital one is XXXX. Their phone number is XXXX. I file the police report in XXXX but no one get back with me also. I am very XXXX XXXX XXXX XXXX. I need the money to pay for property tax. I hit a XXXX XXXX XXXX XXXX XXXX XXXX XXXXs. Please help. XXXX XXXX XXXX
Consumer complaint received 2023-08-02
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. (NC)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} .
Consumer complaint received 2020-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (CT)

The website has been having errors for several weeks. I have not been able to log in to check my balance and now to make a payment. Now a message comes up stating, due to the status of my account, I must call in. This was happening before my payment would have been considered late. I called on XX/XX/XXXX, and the automated system said due to my account status, I could not make a payment. I tried to reach a representative. Due to it being XXXX XXXX XXXX XXXX, no one was available. Now, I have tried called again for the last two days and the phone disconnects as soon as I request to speak with a representative. No matter how I try, the call always disconnects. There is no email address to try contacting them that way. I also sent an email through the XXXX  website with no response and I made a complaint there as well. I am trying to find out what is wrong with my account and to make a payment. I have faithfully made timely payments on my account since I first opened it, and my account was in good standing. This is infuriating, upsetting, and a violation of the law.
Consumer complaint received 2023-03-08
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. (CA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX .... Balance : - XXXX XXXX .... Balance : - XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$54.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2024-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Aspen Yo LLC (PA)

On or around XX/XX/XXXX, I was approved for the City of XXXX  Homestead Exemption, meaning the amount owed to the City for my property taxes has decreased dramatically, from {$580.00} in tax year XXXX, to {$54.00} for tax year XXXX. I attempted to call Gregory Funding numerous times about this decrease, so that Gregory Funding could conduct an interim escrow analysis and adjust my monthly payment per 12 C.F.R. 1024.17 ( i ) ( 4 ), but I could not get through. My most recent attempt to call Gregory Funding yesterday resulted in a Gregory Funding representative named XXXX asking me for proof of this change. I sent proof on XX/XX/XXXX to XXXX. I have not received a response. This change in my taxes is publicly available on the website for the Revenue Department of the City of XXXX. 

In addition there is a tax delinquency for tax year XXXX in the amount of {$26.00} that Gregory Funding is responsible for rectifying, as required under 12 C.F.R. 1024.17 ( k ) ( 1-2 ). Gregory Funding should have ensured that these taxes were paid out of my escrow account.
Consumer complaint received 2024-02-23
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC (NY)

I received calls from Phoenix Financial Services several times in one week. 
I fully authenticated my information and they informed me of a medical debt. 
I did not dispute the debt and told them I want to wait to discuss this until I receive a letter in the mail. They told me it was mailed on XX/XX/2024. I told them to not call me, I will call them back when I receive the letter. 
The most recent call I had was from XXXX, his EXT is " XXXX '' and he opened up right away offering 50 % off using threatening language that I needed to pay now to take advantage of this offer and that it might not be available if I wait. 
I told him I still hadn't received paperwork and I was waiting. I told him to stop calling me and that they were harassing me. He did not acknowledge it but instead said he " had no control over the dialer. '' The caller was very pressuring, rude, and did not listen to me about not calling. He tried putting words into my mouth that I was " disputing '' the debt but that it not true. I told him I acknowledge it but I wanted to receive the letter first and not have them call me anymore until I call them back myself.
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (FL)

They reported an alleged debt to collections that was over 10 years old and falsified my payment history on it claiming it was going to collections in XXXX of XXXX  when I haven't even had XXXX  service for ten years.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

The Citizens Bank mobile app and website do not work. I have been unable to log in to the mobile app for months. On web, I can log in, but my account information does not display. The webpages to transfer money in and out are entirely broken. Because my relationship with the bank is paperless, I wasn't able to get my account or routing numbers to move money out. Citizens continued to charge me service charges for 7 months during this time. When I was finally able to get in touch with an agent, they told me they couldn't do anything about the service charges, and said it was essentially my fault : I could have " tried harder '' to use the money in the account via ATM or going into a local branch. While I understand the service charges are listed in the user agreement, I had absolutely zero visibility to how much money was in my checking account. I was not receiving statements from Citizens, and I did not have access to my online account due to Citizens ' technological issues across platforms. I had signed up for Citizens online, under the premise that I could use the bank online. That Citizens Bank had a broken web XXXX for over seven months, and then blamed their customer for not working harder to use Citizens ' banking services, is very predatory.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (VA)

The checking account was opened @ M & T Bank last month, I received all banking material at the address on file. I opened a personal account, and business account which has been over a month to date. I deposited a check from XXXXXXXX XXXX XXXX in the amount of XXXX XXXXXXXX XXXX in which the check was drawn on M & T Bank and it make sense to open an account with M & T Bank due to XXXXXXXX XXXX XXXX uses M & T Bank to issue checks. 
On XX/XX/year> I deposited {$1100.00} USD ( Cash ) into my personal account with M & T Bank, I was notified my account was on hold after my cash deposit. I have a few activity on this account. The bank is not communicating the reason for the hold, nor with the bank release my funds.
Consumer complaint received 2023-06-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Good night. I describe the problem below. 

I have an account on Coinbase.com associated with the email XXXX, with which I am having access problems. 

They notified me from Coinbase, through emails, that I have to withdraw my funds until XX/XX/XXXX of this year. Yesterday and today, Saturday, I have been trying to log in repeatedly, through different web browsers, and I can not access it. 

When I log in to coinbase.com, it asks me for my access information, which it accepts correctly and directs me to an Updated User Contract, to which after accepting the contract I am directed to a 403 ERROR page. In this way, I do not I get to enter completely. 

I have tried to communicate, however, since I can not log in, I did not know how to ask the company for help. So, I researched the web and found that other users are having similar problems that are not being addressed effectively. I was also able to find information that some users received a response after going to the CFPB, which gave me a little peace of mind since time is passing and I am worried that I will not be able to resolve the problem until XX/XX/XXXX and they will block me completely.. 

I also went to https : //help.coinbase.com/en/contact-us, where through the wizard I have not been able to find a way to solve the problem. I read on XXXX, from the comment of the coinbasesupport account ( official Coinbase support account ) that on this site you can send a form with the claim case, but I did not find any form available to do so. 

Now, out of concern that XX/XX/XXXX will arrive, and knowing that there are users who are not getting responses from Coinbase until after weeks, and they block me completely on Coinbase, I come to you ( CFPB ) knowing that you have been very effective in helping other users to solve this same problem I have. And I thank you in advance. 

Note : I will attach screenshots of the problem and what I describe.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Premium Credit Bureau (NJ)

There are 3 inquiries on my credit File on XXXX Credit Bureau. 
This Inquiries were not authorized by me. 
Please remove it from my credit file. 

1. XXXX XXXX XXXX -- Inquiry : XXXX XXXX, XXXX XXXX. XXXX -- Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX-XXXX  -- Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2023-03-08
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}
Consumer complaint received 2023-03-08
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

Disputed with the company on XXXX for XXXX XXXX XXXX  Company has received my dispute. It is now XXXX, I have not heard back from the company. The FCRA gives the company 45 days to respond. I have not gotten a response.
Consumer complaint received 2023-05-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D&A Services, LLC (FL)

I received a letter from D & A Services LLC of IL stating that they are trying to collect a debt that belongs to the current creditor XXXX XXXX XXXX XXXX. 

1. There is no debt validation & verification showing that I am responsible for said debt. 

2. Both D & A Services LLC of IL and XXXX XXXX XXXX XXXX are not licensed in the state of Florida to collect a debt.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

Dear Federal Trade Commission Agency, I am writing to file a complaint regarding an inaccurate bankruptcy that is appearing on my credit report. The bankruptcy was recorded on XXXX and states it was dismissed. 

I have already taken the following actions to address this issue : I contacted the following credit bureaus : XXXX, XXXX, Experian, XXXX and XXXX to dispute the bankruptcy and provided supporting documentation to prove that I did not file for bankruptcy. However, despite my efforts, the bankruptcy remains on my credit report. 

I believe that this inaccurate information on my credit report is negatively affecting my credit score and financial well-being. Therefore, I kindly request that you investigate this matter and take appropriate action to have the inaccurate bankruptcy removed from my credit report as soon as possible. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon. 

Sincerely, XXXX.