davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (TX)

Back in XX/XX/XXXX I checked my credit report and I noticed a collection account was place on my credit report. I did not recognize the information shown in my report so I contacted the company by register mail on XX/XX/XXXX demanding verification and validation for the unknown account ( XXXX ). but my attempt was ignore, I did not received proof that account is valid or mine, I even waited more than the the 30 days they are allowed to respond ; by not hearing from the company I decided to try again and ask for verification and validation a second time on XX/XX/XXXX but I found the the same results. Once again the company chose to ignore the letters I send them knowing they were received and signed by them on XX/XX/XXXX and XX/XX/XXXX. This is damaging my credit and is been hard for me and my family to obtain credit. This is my last attempt to resolve this issue and have the company delete the defamation they placed on my report. This is the last attempt before I take this to the small claim court. I have noticed the company had violate several federal laws for this I will be seeking compensation for the damages and violations caused by the erroneous reporting they have reported.
Consumer complaint received 2024-05-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (AL)

I had purchased XXXX dollars on cash app for bitcoin and some way or the other this hacker I assume got on my account and took all of my bitcoin and then disappeared from my account and I was broke and cash app said they were not going to refund me my money and this was around the XXXX XXXX XXXX
Consumer complaint received 2019-04-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Orion Capital Solutions LLC (FL)

On XX/XX/2019 I received a call at work in regards to an " unresolved business matter '' from XXXX at Orion Capital Solutions ( I believe that is the spelling ). He said he needed my input for a file that he needs to sign off on. I requested a Validation Letter and he stated they ONLY communicate via email ( in real time to verify delivery of the email ) and no longer submit anything via the postal service because of legal reasons and because phone calls are recorded. He did not state before this that the call was being recorded and it actually took him a minute into the conversation to even say who he was calling from. I again requested a validation letter and he said he would email it to me with the email address I provided. I told him he could call me the next day ( today ) to verify I did receive the letter. It has been over 24 hours and he has not called and I have not received a validation letter via email and I have checked both the junk email box and inbox numerous times. He stated during the conversation that he would have to call me back because his phone number/address would not be on the validation letter. I asked about doing communication via mail again and he said they do not receive/or send anything by postal service because it costs them too much and for legal reasons since the calls are recorded.. After I hung up with him I noticed a blocked voicemail on my personal phone that was from him. The call was from XXXX and in the message he gave his name but not where he was calling from and stated he was calling about an unresolved business matter and needed my input. He then gave the phone number XXXX ... that is the only time I received a phone number. Again I have not received any kind of communication other than this phone call and voicemail. 

I have no actual documents ( since he did not send anything ) but I did save the voicemail he left on my phone.
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

The dates and years are inaccurate on the following public records, with such misrepresentations I'm respectfully requesting that this accounts be removed and/or blocked from my credit report. ( 1. Bankruptcy XX/XX/XXXX, XX/XX/XXXX ) and XXXX XXXX   Account reference account XXXX, XXXX
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (PA)

COINBASE Amount : {$400.00} Dates : XX/XX/XXXX -XX/XX/XXXX Issue : I sold some of my litecoin on XX/XX/XXXX in the amount of {$400.00} to transfer the funds directly into my bank account, linked directly on my coinbase account with verified ID. In the main dashboard under recent activity, the withdrawal is marked as completed and that the money would be available by XX/XX/XXXX, 7 days later. 

I received an email on XX/XX/XXXX, the day before my money would be available, stating that my bank had cancelled the order. I now have a new item under recent history stating that I had received the same amount of litecoin that I sold with a note saying " Sold XXXX LTC for {$400.00} USD. Payment will be sent to XXXX - Interest Checking ********* by Tuesday XX/XX/XXXX. '' So I called the bank and they told me that they did not stop anything and there was no transaction to be cancelled. I called coinbase support and their solution was to file this support ticket. I filed a very descriptive support ticket and submitted it. 

I received an email from coinbase nearly 2 weeks later telling me, if my issue was in the list of top priorities, to respond and describe the problem that I had already thoroughly described in 2 communications. 

It has been weeks since that communication with nothing back from coinbase, meaning I have lost money on the mistake of a company that guaranteed I would have my money on a specific date. This company has the financial information of thousands of US citizens and they can not be trusted enough to know whether they are scamming their users.
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (LA)

I was fraudulently charged about {$7500.00} on two citibank credit cards while I was traveling in XXXX, XXXX. Someone put some drugs in my drink and I XXXX  XXXX   on on the evening of XX/XX/XXXX. I was taken to hospital in an ambulance and received care. After I woke up, I was still heavily under the influence of the drug. I was dropped off at my hotel. I somehow made it my room and XXXX XXXX again for almost a day. Hotel staff woke me up in time to catch my flight back to USA.During the time i was XXXX  XXXX at the hospital, someone using a real estate company name, charged 5 transactions, each for about {$1500.00}, totaling 7,500 dollars to two credit cards I had on me. After 2 charges on one credit card each for about {$1500.00}, Citibank blocked the card and sent me fraud alert. After 3 charges on the second credit card, again each charge for about {$1500.00}, Citibank sent fraud alert on the second credit card On my return to USA, I used the credit card since I had no knowledge of the fraudulent charges on my credit card Once I saw fraud charges, I filed fraudulent charges claims with Citibank on both cards. Citibank fraud department is saying since i used the card after my return, they can not be fraud charges. Citibank fraud department agent refuses to look into the fraud charges even after repeated calls and after providing documentary evidence ( hospital bill in XXXX, insurance claim on my cell phone etc ) and 3rd party accounts corroborating what happened to me. I have requested an supervisor review. After almost 3 weeks, on XX/XX/XXXX, supervisor called me and left a message. I have called over 15 time and left multiple voice messages with supervisor to call me back. Supervisor never called me back.
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I just simply want to place a Credit Security Freeze with Experian and it is impossible! I have an account with Experian and I am properly identified. I can access my credit reports and so on. However when trying to place a Security Freeze on my credit is like they do n't know me and the service is not being offered at the same web site as I regularly log-in to access my credit report. Nevertheless and after providing all reque sted information the web site responds with " We can not process your request '' you have to send proper ID thru mail ''. That is crazy and defeats the whole purpose of trying to place a credit freeze. I will never send that documentation via mail because is not secure. They offer another service to upload the documents online and it also fails even though I follow carefully the instructions. They are useless and they should be banned as a credit monitoring agency!
Consumer complaint received 2020-01-28
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: Experian Information Solutions Inc. (SC)

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Experian throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Consumer complaint received 2022-09-08
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. (GA)

I ran my credit at the dealership and I was promised that XXXX was the only company that wouls run my credit but im seeing otherwise and i want it removed
Consumer complaint received 2023-01-03
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. (OH)

Hello CFPB Team, I have been trying to work with these credit bureaus for quite sometime now. Unfortunately, they have not been responsive to my disputes so I am submitting my disputes through here. 

I would like to report that the bureau did not receive my permissible purpose to report these negative and inaccurate accounts to my credit profile. 

The letters attach detail more about the scenario. Please see to it that each bureau receives the disputes.
Consumer complaint received 2019-04-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MD)

Experian failed to remove a debt from XXXX XXXX XXXX  when they were provided documentation as a result of the company was falsely reporting a debt that I di n't owe to this company. the were given enough information to remove the debt but they told me they had to hear back from XXXX XXXX XXXX first and it can take up to 30 days and it only took 24 hours and they verified wrong information.
Consumer complaint received 2019-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (CA)

I have contacted this company through the credit bureaus multiple times to have this invalid account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.
Consumer complaint received 2019-02-04
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: Santander Consumer USA Holdings Inc. (NJ)

On XX/XX/XXXX I sent a certified letter to the address listed on my credit report to contact the furnisher to request that they remove the unauthorized inquiry. 
My letter was returned because the address listed on my report is incorrect. 

Santander Consumer XXXX XXXX XXXX XXXX XXXX, TX XXXX TeL. XXXX. 

On XX/XX/XXXX I filed a CFPB complaint about this company XXXX. 
I once agin asked the company to provide any info to show I gave consent or signed a application for credit of any form / written or Electronic. 

On XX/XX/XXXX Santander responded with a statement that they can not verify if a unauthorized inquiry occurred, and that they will need more information to proceed. 

I sent a immediately reply submitted on the CFPB website giving Santander my full social security number and a copy to view to see the multiple inquiries on my credit report. 

Santander then close their response with me on the CFPB with out a follow up statement to answer, with the additional information they requested that was willingly giving to them to assist in their investigation from me, were they able to now provide that I in fact consented to this inquiry with a written signature on a application for credit or a Electronic consent giving permission for these inquiries.
Consumer complaint received 2020-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MI)

In XX/XX/XXXX : I was contacted for the first time regarding this debt. According to XXXX XXXX ( XXXX XXXX ), I owe {$610.00} for an account that was opened in XX/XX/XXXX. I informed XXXX XXXX that I did not have an opened XXXX account and I never shopped at Backcountry nor charged {$390.00} on XX/XX/XXXX, XXXX. I never receive explanation of the other charges. I requested XXXX to run an investigation. 

I requested to be told the contact information for the account, most of the information was not related to me. The representative stated that the contact information needed to be updated so they can run the investigation. 

On XX/XX/XXXX, XXXX XXXX sent me a letter stating " Based on our investigation, we have been able to validate your claim of fraud and cofirm that the above account and/or subject transactions fraudulent. As a result of the confirmed fraud, we have removed and/deleted the fraudulent transactions from the account. However, we have also closed this account in order to prevent future fraudulent transactions. 

I waited 90 days, recontacted XXXX XXXX to verify the account clearance of debt and closure. The representative advise me the account balance is {$0.00} and the account was closed to fraud. 

On XX/XX/XXXX, ( The first time contacted ) Midland Credit Management sent a letter stating " We are writing you that we have opened an invesigation regarding your recent dispute ( Never disputed with them ). 

On XX/XX/XXXX, I contacted Midland Credit Mgmt to inform them that this account was found fraudulent and closed by XXXX XXXX. I also read the letter to XXXX. He stated that the account was charged off XX/XX/XXXX. I stated how can a fraudulent closed account be charged off and/or turn over to collection agency. XXXX immediately transfer me to investigation department. 

I requested contact information on the account, most of the information was correct, I informed him that XXXX requested correction to the account information so they could run an accurate investigation. 

XXXX ( investigation dept ) listened to me reading the letter of XXXX investigation stating that the account was fraudulent. I asked the same questions how does a fraudulent closed account get sold and/or turn over to collection. He kept mentioning another Bank that apparently took over XXXX or XXXX, he was a little confusing to talk to. Once again XXXX stated they need to run investigation. 

At this present time, I am waiting for Midland investigation findings, I do not know why another investigation needs to be performed when the original creditor ( XXXX XXXX ) already found the account to be fraudulent, clear of debt, and closed. 

I am attaching the XXXX fraudulent findings letter and Midland Credit Mgmt letter. 

Thank you for any assistance you can provided to solve this matter.
Consumer complaint received 2019-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

In XXXX I signed up for a direct deposit checking account and bill pay and savings account through Citibank. From XXXX to XX/XX/XXXX I was charged a service fee of {$25.00}. 

XX/XX/XXXX, I went into the bank to order checks for my checking account so that I could pay my landlord so that the bank could track withdrawals for rent from this account. 

At that time, I asked the teller what the service fees were for. He looked at my account and told me that since I had the aforementioned bank package that I should not have been charged this service fee and that I should speak to the branch manager. I did so.

The bank manager reviewed my account and determined that I had, in fact, had been charged in error and returned one month 's of service charges back to my account. During the conversation, I informed him that these charges had ensued from XXXX until now. He asked me why I didn't bring this to their attention previously. I told him that I didn't know I was being incorrectly charged until I was told that day. He informed me that I should write to Citibank and gave me the address to lodge a complaint and request the funds be returned to my account. Later, I calculated mischarges of 101 months to be in the amount of {$2500.00} and I wrote two letters to Citibank Client Care, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

I received two letters from them, XX/XX/XXXX and XX/XX/XXXX stating they investigated my claim and a note, " Please be advised that your request for the reversal of the fees are not honored. '' I have copies of my letters and their 2 letters to me to upload for your consideration.

Thank you.
Consumer complaint received 2019-04-11
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: Experian Information Solutions Inc. (PA)

I have requested on four different occasions by mail for Experian to verify AND validate the information they are reporting on my credit report. The first two times they responded by mail they said that the information had been " verified '' However, I requested that per FCRA act 609 that they provide me with proof of the verification used to verify this account information as it is not mine. The two accounts in question are : XXXX  XXXX and XXXX XXXX. Experian never provided me with any details or proof surrounding the investigation. On the third and fourth request, the last being dated XX/XX/19 ( report number XXXX ) they refused to investigate the information again unless I had an additional " relevant information '', thus placing the burden and responsibility on me the customer when they are the ones reporting inaccurate information, damaging my credit scores and causing me financial loss.
Consumer complaint received 2019-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have contacted this company through the credit bureaus multiple times to have this invalid account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.
Consumer complaint received 2023-03-02
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. (TX)

This is my follow-up request to tell you that I am a victim of Identity theft. The items I question have no connection with me or the transition I've made. 

Please block these erroneous items : 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 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 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MD)

I originally filed a complaint on XX/XX/XXXX with Wells Fargo Credit card division. I received a response from Wells Fargo. The response was correct to a certain point, but failed to address my bankruptcy chapter XXXX which was discharged on XX/XX/XXXX which would include the amount of {$2400.00} which still appears on my credit report. I tried to contact XXXX XXXX at Wells Fargo at XXXX, extension XXXX, but never received a response. Please delete the {$2400.00} debt on my XXXX credit report since the debt was covered under chapter  XXXX bankruptcy. My bankruptcy case number is XXXX. Thank you
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : 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