davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
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. (OH)

I have reached out to both XXXX XXXX XXXX XXXX and EQUIFAX about the fraudulent account opened XX/XX/XXXX Account number XXXX on my Equifax credit report. This account was FRAUDULENTLY OPENED AND NEEDS TO BE BLOCKED AND REMOVED! 

I have sent Equifax and the furnisher, XXXX XXXX XXXX XXXX a notarized Police report, Federal Trade Comission Identity Theft Affadavit and supporting Identitfcation documents along with a formal request for deletion of this account and a fraudulent credit inquiry ( syncb/paypal XX/XX/XXXX ). 

I DEMAND FOR THIS FRAUDULENT INFORMATION BE BLOCKED AND REMOVED FROM MY CREDIT REPORT BECAUSE IT IS HINDERING MY FINANCES AND LIFE! I AM A VICTIM OF IDENTITY THEFT AND AND REQUESTING ASSISTANCE IN FIXING THIS PROBLEM!
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I went to use my MD unemployment debit card the week before XXXX. Checking the balance before going shopping I noticed a {$1000.00} withdrawal that I didn't make. I contacted BK of America to see what the issue was. It was obviously a fraudulent withdrawal. They closed my card, started a claim and immediately send me another card. When trying to activate that card I found that card to be closed as well. I had money in my unemployment debit card over the amount of the {$1000.00}. That money plus additional benefits for 2 weeks are sitting in my account, not being able to be used. So I am without the fraudulent withdrawal of {$1000.00} plus other benefits. 
On Saturday, XX/XX/2021 I received a letter from BK of America stating the claim had been closed and they believe the claim had been the subject of suspicious activity. I did not take this money out of my account. I only used ATM 's to withdraw from this account and have never withdrawn more then {$300.00} at any ATM. I asked them to re-open the claim. 
I need help as now my money is frozen and have lost the {$1000.00} to fraud. Until this issue is resolved the extention of PU benefits that I qualify for are in jeopardy as well. 
Thank you
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-11-01
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. (IN)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX  XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$460.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$270.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$340.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that XXXX XXXX would verify the debt. So I took it upon myself to ask XXXX XXXX for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2024-04-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to file a formal complaint against Bank of America regarding their improper allocation of my car loan payments, which has resulted in severe damage to my credit score. Despite repeated attempts to rectify the situation, the bank has failed to address the issue adequately. 

I have been a customer of Bank of America for XXXX years, and up until recently, I have had a positive experience with their services. However, over the past few months, I have encountered significant problems with the allocation of my car loan payments. 
XX/XX/XXXX = {$590.00} dollars and XX/XX/XXXX = {$600.00} dollars On multiple occasions, I have made payments toward my car loan through Bank of America 's online platform. I have still shots and video evidence documenting these transactions. Despite these payments being designated for my car loan, Bank of America has consistently applied them to my credit card accounts instead. 

This erroneous allocation of payments has had serious repercussions for my credit. As a result of Bank of America 's actions, my credit report shows missed payments and delinquencies on my car loan, negatively impacting my credit score and financial standing. 

I have made numerous attempts to resolve this issue by contacting Bank of America 's customer service department and visiting my local branch. However, despite assurances that the problem would be corrected, the improper allocation of payments continues unabated. 

I am deeply concerned about the long-term consequences of Bank of America 's negligence on my creditworthiness and financial stability. I have acted in good faith by making timely payments toward my car loan, and it is unacceptable that Bank of America has failed to fulfill its obligations to accurately process these payments. 

Therefore, I am requesting that the Financial Consumer Protection Bureau launch an investigation into this matter and take appropriate action against Bank of America for its violations of consumer protection laws. Additionally, I am seeking assistance in resolving the issue with my car loan payments and restoring my credit to its rightful state. 

I have video evidence documenting my payments for your review. Please do not hesitate to contact me if you require any further information or documentation. 

Thank you for your attention to this matter. I trust that the Financial Consumer Protection Bureau will take prompt and decisive action to address this issue and protect the rights of consumers. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-01-04
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. (PA)

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-09-15
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. (FL)

I contacted two representatives on two separate occasions in order to get this rectified at XXXX  The lease was PAID IN FULL back in XX/XX/2021 and the leasing company XXXX continue to report a balance and OPEN account.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted two representatives on two separate occasions in order to get this rectified at XXXX. The lease was PAID IN FULL back in XX/XX/2021 and the leasing company XXXX continue to report a balance and OPEN account.
Consumer complaint received 2021-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (VA)

Hello, I am a Coinbase account holder with no stake in Coinbase, other than, being an independent user. I buy and sell cryptocurrencies through Coinbase and on XX/XX/2020, I executed 2 trades from my XXXX XXXX. One was for XXXX XLM coins with a value of {$5800.00} on that day and the other was for XXXX XRP coins with a value of {$33000.00} on that day. I sent both of these transactions to my account addresses for each of the coins. Since I had not traded any cryptocurrencies in a while, I sent both transactions without Tag numbers. I later found out, after my transactions did not post to my account that, I needed to have added a Tag number, which is also like an apartment number so that Coinbase would know where to post the transactions. 
I reached out to Coinbase on several occasions about my 2 transactions ; they responded regarding my XLM transaction for and had me send 15 XLM coins to my account with my Tag number to verify that it came from me. I did so ; they confirmed and posted my original XLM transaction from XX/XX/2020 to my account. They gave me 2 case numbers for my issues, case # XXXX was for XLM, and case # XXXX was for my XRP. On the day they resolved my XLM issue, they closed case # XXXX and case # XXXX for my XRP which was not resolved the same way my XLM issue was resolved. 
I opened a new case for my still missing XXXX XRP coins still not posted to my account but, held at Coinbase. The new case number they issued me was case # XXXX on XX/XX/2020. I have also filed a complaint on their website and was issued a case # XXXX. I have reached out to Coinbase on several occasions through their website customer support, XXXX, and XXXX on several occasions starting on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. They have stopped all communications with me and feel that they have not posted my XRP transaction due to recent issues with XRP in the market. To date, my XRP transaction for XXXX XRP was sent to my account address but without the Tag number and has remained with Coinbase. Due to recent market conditions with XXXX, Ive been unable to trade or reduce the market loss by not being able to trade my XRP. 
I have not retained a lawyer or contacted any other agencies as of today on this matter. All I want is to have my XRP transaction posted to my account as they did with my XLM transaction. I feel that Coinbase has had my XRP case # XXXX transaction in their system and is not looking into resolving my issue for some specific reason as Ive come across other people with the same issue on social media. 
I have transaction information from my XXXX XXXX XXXX confirming sending XRP to Coinbase on XX/XX/2020 if you need them. I am available for any questions regarding my XRP issue if needed ; any help would be greatly appreciated. 

Thank you XXXX XXXX
Consumer complaint received 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AL)

My loan was transferred from XXXX XXXX to Fifth Third Bank in XX/XX/XXXX. I received a bill from Fifth Third Bank dated XXXX XXXX stating a payment was due on XXXX XX/XX/XXXX. I mad the XXXX XXXX payment with XXXX on XXXX XXXX unaware that my loan was being transferred. Fifth Third bank got an earlier computer transfer of data from XXXX that did not reflect the XXXX XX/XX/XXXX payment posted on XXXX XXXX. When I received my 1st bill from Fifth Third Bank reflecting the payment due on XXXX XX/XX/XXXX I called them ( XXXX XXXX ) and was assured that this would be corrected. On XXXX XX/XX/XXXX I again called Fifth Third Bank and no correction had been posted. The payment date, escrow, insurance, interest were all still incorrect. They said I had a problem and would be charged a late fee and a ding on my credit and it was not their problem to solve. I again called XXXX XX/XX/XXXX on XXXX XX/XX/XXXX and they indicated they had the correct data and that they would resend. Problem still pending as this was generally what I heard on XXXX XXXX.
Consumer complaint received 2021-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC (MI)

This dept is a result of Identify theft. On XX/XX/2019 I faxed 17 pages to XXXX as requested by XXXX to resolve this. XXXX is in clear violation of the Federal fair credit reporting act! Under 609e I asked XXXX to provide me all records of this transaction under ID theft laws of 609e. I received nothing. Also under Notice To Furnishers 623a XXXX violated my rights under duties when ID theft occurs. I see GC services on my credit report for the dept. This is the second round of XXXX  turning this same debt over to other collection agencies for a Dept that was deleted last year from all Credit reporting agencies and the XXXX XXXX XXXX that was the dept collectors last year all this was deleted I thought I was all set. Well fast forward to this past week I see XXXX sold this same dept they know is ID theft and was deleted last year to I see GC services on my report and XXXX! XXXX deleted this as of today I received email XXXX off my credit report now we are down too GC services I see on my report. XXXX Is in clear violations with documents I'm attaching again to prove my case.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

It has come to my attention that items flagged with an FTC report have not been removed from my credit file. Should there be a continued failure to remove the inaccurately reported items listed below, due to the erroneous reporting of personal information, I am prepared to transfer my documents to legal counsel to initiate legal proceedings. My preference is to avoid legal action ; hence, I urge compliance with applicable laws. I request the removal of the following inaccuracies, reported without my consent or knowledge, from my credit file 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 Should you maintain that this information is accurate and verifiable, I request documentation that includes my signature for each disputed entry, as I believe no such documentation exists. In the absence of such evidence, I formally demand the immediate deletion of this information from my credit file maintained under my Social Security number. You are allocated XXXX business days to remove any information resulting from erroneous reporting. I explicitly object to the use of E-OSCAR or any automated verification process in reviewing my dispute. Enclosed with this communication is my FTC report, reference number : XXXX.
Consumer complaint received 2021-09-15
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. (PA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This process and request were taken care of by me and there is no third party involved. It's been a long time of processing and making follow-ups to EQUIFAX and the CREDITORS with regards to my request of getting the items in question to be removed from my Credit Reports . However, I have neither heard anything from both of them nor received any kind of response. Thus, concluding me to reach out to you to ask for some assistance and help. EQUIFAX hasn't complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that they should provide any documents and respond to the complainant within the given period of time allowed by the law. Otherwise, failure to comply with these should result in the removal of the items in question. Below are the inquiries I am not connected to.

1. XXXX-Date of Inquiry XX/XX/XXXX 2. XXXX-Date of Inquiry XX/XX/XXXX 3. XXXX-Date of Inquiry XX/XX/XXXX 4. XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX 5. XXXX-Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-09-15
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. (MN)

I've disputed my dept of education loan payment history several times. The dept of ed says my loan was in collections on XX/XX/2018, yet the loan was paid off and consolidated by XXXX XXXX XXXX on XX/XX/2018. It's not possible for it to be in collections when the dept of ed didn't even have the loan. My credit report shows both companies servicing the same loan at the same time which isn't possible. This should be corrected or deleted.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX, Transunion and XXXX  have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: DISCOVER BANK (CO)

REGARDING FRAUD PROCESSING BY DISCOVER CREDIT SECURED CARD. 

Discover treats credit card customers who hold a small secured card in a very discrimination manner. They fail to process payments to force their benefit ability to charge card fees. I have since then asked to have my small {$200.00} account closed and they have Not even closed this as of yet since requested last month. I am still due my funds of {$200.00} total. Discover executive team XXXX has failed to action on my complaints to them about their XXXX processing of payments. 

I FILED FIRST WITH THE FDIC FDIC Logo XX/XX/XXXX Ref. No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX Re : Discover Bank Dear XXXX XXXX : Thank you for your correspondence, which was received by the FDIC 's Consumer Response Unit. 

The FDIC 's mission is to ensure the stability of and public confidence in the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since XXXX. We are responsible for supervising state-chartered, FDIC-insured institutions that are not members of the Federal Reserve System. 

Based on our review of your correspondence, the bank you referenced is under the direct supervision of the Consumer Financial Protection Bureau. We are forwarding a copy of your correspondence to this agency at the address below : Consumer Financial Protection Bureau XXXX XXXX  XXXX
Consumer complaint received 2021-01-04
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: Experian Information Solutions Inc. (NY)

EXPERIAN, XXXX, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.