davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Circle Internet Financial (OR)

I believe that Circle Internet Financial is in violation of the Electronic Funds Transfer Act ( EFTA ). Circle Internet Financial is responsible for managing XXXX withdrawals that I make from XXXX to my bank. I made XXXX withdrawals prior to XXXX declaring bankruptcy that I was told I would receive in XXXX days. I never received the funds. According to the EFTA, Circle is responsible for Error Due to Failure to Make Funds Available by Disclosed Date of AvailabilityExamples include, late or non-delivery of a remittance transfer. 

I am a customer of XXXX. I withdrew from my cash account balance via the XXXX app, via an XXXX  transactions of approx XXXX, to be sent to my bank account at XXXX XXXX  following the XXXX guidelines, instructions and terms of service XXXX, XXXX  days prior to XXXX declaring bankruptcy on XX/XX/XXXX ). 


At the time, XXXX openly stated on their official website and XXXX page that withdrawals were fully operational and processing. Per my account on both the XXXX website and app, the funds were removed from my account. In addition, I received confirmation on the website, the app, and via XXXX support directly that my XXXXXXXX  ( multiple ) were being sent. I have yet to receive my funds. According to XXXX personnel, once I receive confirmation that the funds are being sent, the responsibility is in the hands of another vendor. According to the XXXX app, By submitting, I authorize Circle Internet Financial, on behalf of XXXXto electronically credit my account at the financial institution indicated by me. Once again, I have yet to receive my funds. I have also not received any update from either of XXXX or XXXX what happened to the XXXX  and/or the status of my funds. 

XXXX is responsible for managing the XXXX process. At this point, almost XXXX  months later, the funds did not arrive at my bank. At my account at XXXX, before the website was taken down, the funds showed as no longer being in the account, as mentioned above. Further, XXXX has stated that once they reach " sending '' status, XXXX withdrawals are no longer in their control. 

Note : I have already provided to XXXX, via a separate email all the transaction details they need to investigate further my XXXX witdhrawals. This includes my email address connected to the account, the date and time of the transactions noting the time zone, transaction amounts, my name, the bank receiving the funds, and the last XXXX digits of my bank account number. This matches ALL of the information they have requested to others in similar cases in order to investigate the status of XXXX withdrawals.
Consumer complaint received 2020-08-03
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. DEPTEDXXXX   XXXX {$6000.00} DEPTEDXXXX XXXX {$3000.00} DEPTEDXXXX XXXXXXXX {$6000.00} XXXX XXXX {$4500.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} DEPTEDXXXX  XXXX {$2200.00} XXXX XXXX XXXXXXXX
Consumer complaint received 2020-01-01
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT -- 1.  XXXX XXXX with ACCT # XXXX opened on XX/XX/2008 with a credit limit of {$0.00} -This is not my account.
Consumer complaint received 2019-02-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

I fell past due on my mortgage which initiated foreclosure action in XX/XX/2019. 
I forwarded three of the five missing payments for $ XXXXon XX/XX/2019. I spoke with the Loss Mitigation Department of my Mortgage holder. The Loss Mitigation Department advised me that the mortgage was turned over to an attorney and all past due payments had to be submitted to them by XX/XX/2019. I submitted the funds for all past due amounts {$6300.00} and {$5100.00} ( total XXXX ) on XX/XX/2019 via Next Day Air. I have confimation of the funds being delivered and received on XX/XX/2019. I have called multiple times seeking confirmation of receipt of funds and I get the funds have been received but not applied. I have not been given any explanation as to why the funds have not been applied. Furthermore, I've been advised that I am in active foreclosure ; all calls should be directed to their attorney but no information for this contact has been afforded to me. Only a collection service who will not give me any information either. When I call I'm placed on hold for 30 minutes or more and or given the run around to follow up with persons that are not named. 
The sale date is not even exact.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Consumer Financial Protection Bureau Subject : Dispute of Derogatory Accounts and Credit Inquiries Due to Identity Theft To Whom It May Concern, I am writing to formally dispute multiple derogatory accounts and credit inquiries listed on my credit report, which I believe are a result of identity theft. Enclosed are copies of the relevant documents supporting my claim, including a police report and fraud affidavit. 

Below are the details of the accounts and inquiries in question : **Derogatory Accounts : ** 1. **Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : [ Account Number ] - Date Reported : XXXX. XXXX, XXXX - Balance : {$880.00} - Remarks : Charged off as bad debt, In Collections/Charge-off 2. **Account Name : XXXX XXXX XXXX XXXX Account Number : [ Account Number ] - Date Reported : XX/XX/XXXX - Balance : {$640.00} - Remarks : Placed for collection 3. **Account Name : XXXXXXXX XXXX XXXX - Account Number : [ Account Number ] - Date Reported : XX/XX/XXXX - Balance : {$260.00} - Remarks : Account information disputed by consumer 4. **Account Name : XXXX XXXX XXXX - Account Number : [ Account Number ] - Date Reported : XXXX. XXXX, XXXX - Balance : {$1800.00} - Remarks : Placed for collection 5. **Account Name : XXXXXXXX XXXX XXXX - Account Number : [ Account Number ] - Date Reported : XXXX. XXXX, XXXX - Balance : {$2500.00} - Remarks : Account information disputed by consumer **Credit Inquiries : ** 1. **Creditor : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXX. XXXX : XXXX XXXX XXXX** - Inquiry Date : XXXX XXXX, XXXX I request that the Consumer Financial Protection Bureau investigate these accounts and inquiries and take appropriate action to rectify the situation. I have reported this identity theft to the relevant authorities and have also contacted the creditors associated with these accounts. 

I affirm that the information provided in this letter is true and accurate to the best of my knowledge. Enclosed are copies of the supporting documents for your reference. 

Thank you for your attention to this matter. I anticipate your prompt response and resolution of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-02-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

I check my report often to ensure that the information is reporting correctly because I became a victim of identity theft shortly after moving to XXXX. I received my updated report and there was a collection for National Credit System in the amount of {$1400.00}!!! I never heard of this company and I have not received any type of correspondence from them either via phone or mail. This is a violation of my rights and I want this account removed from my credit immediately.
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (MI)

SPRING OAKS CAPITAL LLC Has already been removed from XXXX, XXXX and XXXX. SPRING OAKS CAPITAL LLC Is aware the debt is not mine and has been removed from all other reporting agencies yet has failed to remove front XXXX XXXX. SPRING OAKS CAPITAL LLC Has no validation that i signed for them to collect debt or that I owe them debt. SPRING OAKS CAPITAL LLC Has violated FCRA standards for past year by failing to provide proof that I owe SPRING OAKS CAPITAL LLC debt. SPRING OAKS CAPITAL LLC Has violated FCRA regulations by not running accurate disputes as this account has already been removed from all other agencies
Consumer complaint received 2023-05-13
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. (NC)

I requested my credit reports from all three bureaus. I immediately noticed the reports mentioned that a collection company XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX reported a debt that I do not recognize. I also see multiple inquiries from XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. The fraudulent names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. The false addresses XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX. The fraudulent Social Security number XXXX ; XXXX. The false telephone numbers ( 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 2020-01-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One recently introduced a new Performance Savings account with a 1.7 % interest rate. However, existing customers with their current savings accounts were not notified that their rates were lowered and that they could open the Performance Savings account at the the higher rate. This is very deceptive as Capital One can create new accounts with higher rates while excluding existing customers with notifications that they can move it to a new account. Numerous customers have complained on their social media channels.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2022-01-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hameroff Law Group, P.C. (CO)

I found out about this judgement when trying to apply for a home loan, mortgage lender advised me to contact the court with this Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation Investment filed in XX/XX/XXXX, left message on Court voicemail XX/XX/XXXX. I need to get a release of judgement
Consumer complaint received 2023-01-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I first received a text asking me if I was still invited in a XXXX XXXX XXXX and after I replied yes I was then transferred to their hr department via XXXX. This is where my interview proceeded. I was on a XXXX chat for an interview. The next day I was offered a job and XXXX. Received an offer letter with the companys logo on it. In this case they posed as XXXX XXXX XXXX XXXX them told by a man named XXXX XXXX that i would be receiving a check from their accountant to purchase work t materials needed to make my work from home station. As soon as the check cleared the next day I was told to make XXXX payments to their vendor for {$1700.00} and {$450.00}. The first payment went through however the bank held the second payment. Then I was told o word be receiving another check for the rest of materials. At this point I already filled out the forms given to me by the XXXX XXXX  to put in my full name,, address, phone number, social security, and other personal info as well. This was XXXX XXXX XXXX XXXX because he said what company would give you XXXX k to make purchases. At this point I had my XXXX XXXX XXXX XXXX XXXX  and sure enough she found out that I have been scammed! I then reached out to this XXXX XXXX to ask him to have the vending please return my XXXX  of XXXX because I didnt need a laptop after all. He replied by saying he didnt understand why I was so insistent on getting a refund because it was the companys money. I then never heard back from him at this point. I tried to say that my second check went through and I was ready to make more purchases from vendors but he never answered. I tried calling him and texted him through XXXX but no reply. I have been scammed!
Consumer complaint received 2019-02-11
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. (NY)

In XX/XX/2018, I discovered that my ex husband opened a joint credit card account without my knowledge, which I was alerted to when it impacted my credit score negatively. I filed an Identity Theft Report with the FTC, the 3 credit reporting bureaus and XXXX card ( the issuing creditor ) on XX/XX/18. XXXX claimed to " investigate '' the matter but did so without contacting me at all. Their determination was that the account was opened online without my signature but with my correct personal information, had been open for 4 years so they claim it is a valid joint account, the credit card information went back on my credit report and is again affecting my credit score negatively. 

I NEVER gave permission or consent to be a joint member on this account. I have never used this credit card account, not one single purchase. I never saw one credit card statement that came to the house. This account didn't exist to my knowledge prior to XX/XX/2018. It was opened over the internet, not in person ; there is nothing to indicate I am a willing member of this joint account. My ex husband had my personal information because we were once a couple, pure and simple ; he then used that information fraudulently. I want XXXX to recognize this is legitimate fraud, to remove my liability from this debt and remove it from my credit report.
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Between XX/XX/2023 through XX/XX/2023, I fell victim to two multi-layered scam operations run XXXX  which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm ( s ).
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

On XX/XX/2022 I was looking over my credit report and see that there have been incorrect and refuse to assist me by removing this creditor off my credit report. I contacted them through phone and mail informing them that I have been a victim of identity theft. I advised them to remove it asap and received a letter yesterday with this information.
Consumer complaint received 2023-01-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (VA)

I purchased a vehicle on XX/XX/2022 and financed it through TD Auto Finance. I made all of my monthly payments on time and was fortunate enough to pay the loan off on XX/XX/2022. XXXX sent me a letter dated XX/XX/2022 acknowledging the payoff along with a release of lien letter. I have tried to obtain the title through my local DMV but they will not issue it because the lender hasn't released the electronic lien. I have contacted TDI and they will not release the electronic XXXX because they claim to have never received the original title from the dealership. This issue is between XXXX and the dealership. XXXX  will not give me a date as to when this will be cleared up and I am left with no where to turn. I have a vehicle that I can not sell without a title and XXXX  will not give me my title. What do I do??
Consumer complaint received 2020-06-10
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. (NJ)

Transunion has been using E-OSCAR to continuously to verify these inaccurate entries on my credit report for 3 years! You or the collection agencies showed no proof verifying these dates belong to me. Please follow The Fair Credit Reporting Act Sections 609 and 609 stating that you must validate a debt by forwarding the original contract bearing my signature, DOB, SSN etc. Why is it taking three years if your obeying the regulations? Because you don ; t have the information needed to keep these inaccuracies on my credit report! 

I've played this game for three years! Obey the regulations. If Transunion acts in good faith and adhere 's to The Fair Credit Reporting Act, these inaccuracies would've been removed in 2017 when they were first disputed. 

You're also acting in bad faith by not telling the consumer once an account is disputed online the consumer 's rights are waived, and are automatically stick with a debt that doesn't belong to them! 

Since you can't furnish the original contract bearing my signature, DOB, SSN, act in good faith and remove these negative items from my credit report!

Please forward the original contract bearing my signature, DOB, SSN, etc validating the debt belongs to me through this portal. I want the CFPB to see that XXXX  is acting in bad faith. How are these debts being validated? Anything you send to me, please send through your response to my complaint.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I went into Kohl 's store to make a credit card payment. Kohls is saying I never made the payment. I have disputed the the charge ( after the payment ) 2 time. Kohls says there is no payment matching the charge I am disputing. I have a receipt of the payment and I have a receipt of a voided after original transaction for the amount, but the guy that took my payment never gave me the money back. Kohls should have {$100.00} floating around as extra cash, or the guy took the money. Should be able to look on video footage and see what happened. Please help!
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

There is an unauthorized hard pull credit inquiry that I didnt recognize on my Transunion credit report on XX/XX/2022. I call the phone number provided and it happens to be that of Transunion but Transunion customer service said the hard pull is not from them and the company address is not Transunion address. 
Ive ordered a freeze on my credit file on all three credit reporting bureau XXXX, XXXX and Transunion. 

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2020-01-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC (FL)

On XXXX, XX/XX/XXXX, I received an email from a company identified as Cedar Business Services, LLC ( CBS ) stating they wanted to " help me ( sic ) with a past due payment of {$180000.00} with XXXX XXXX ( XXXX ). As you know, this amount is in collections. '' I immediately responded with a certified letter, asking for more details because I did not recognize the debt and CBS was a 3rd party handling the collections. I requested CBS to provide specific and basic information for Debt Validation, such as 1 ) assignment from the original creditor XXXX to CBS, 2 ) the original debt and full breakdown, 3 ) any payments made, 4 ) any payments made by credit card insurance ( if any ), 5 ) the date of charge off, 6 ) the currency exchange from XXXX XXXX XXXX XXXX XXXX to US dollars USD, etc. I also asked that CBS give these details in a timely manner and provided them a 30-day courtesy period. 

CBS responded 36-days after receipt ( verified by post marks & certified receipts ),  with a letter that did not address any of the Debt Validation questions, they only reasserted that they were working on behalf of their Client for special handling. They provided phone numbers for me to contact them and a summarized breakdown of the balance owned in USD even though their client ( XXXX ) is a foreign entity. CBS failed to provide the monetary conversion or explain how they reached the USD amount. As well, within the breakdown, CBS identified the total debt was a Principal balance, with no interest, fees, legal fees, or other amounts paid. 

Attached with the CBS letter were 3-credit card statements from XXXX dating from XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Each statement was only in AED and each statement clearly had the debt increasing due to assessments, fees and finance charges. The statements also showed that these charges exponentially grew. 

I only acknowledge that I lived in XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX and I do not recognize this debt and I will not acknowledge any 3rd party entity that doesn't provide basic Debt Validation verification. 

Also, because CBS is a XXXX debt collection company, coupled with the dates I left XXXX, I believe CBS does not have any standing based on XXXX XXXX  4-year Statute of Limitations on open-ended accounts.