davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NY)

I received a debt collection bill from what was apparently a cell phone bill. It came to my current address but under my married name. I have been divorced and back to my maiden name for over 10 years and I never had a cell phone through XXXXXXXX XXXX DBA XXXX XXXX!!! Someone obviously used my information to obtain a phone or something fraudulently. It would be easy for someone to figure out who did the fraudulent activity by first figuring out where the phone actually went to. Because whoever received the phone is the one who fraudulently used my information to obtain it!!!!
Consumer complaint received 2018-07-01
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. (MA)

My XXXX XXXX  card from XXXX  was cancelled by the merchant along with many others as they were going to replace it with an XXXX  card from XXXX XXXX that will arrive in XX/XX/XXXX. Equifax received this notification from XXXX   and Equifax reported this without any reason for the card being canceled My credit score on XXXX XXXX from Equifax went from XXXX on XX/XX/XXXX to XXXX a 134 point change on XX/XX/XXXX. My XXXX score remained the same at XXXX. I filed a dispute with Equifax and with XXXX XXXX. I have spoken with XXXX XXXX and have not heard from anyone .I have had the XXXX XXXX XXXX Card for over 9 years XXXX XXXX # XXXX card # XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-09
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. (MS)

According with the Fair Credit Report Act XXXX acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions.

According with the Fair Credit Report Act XXXX acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX acct XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX acct XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

My name is XXXX XXXX. I am an American citizen. I have a XXXX XXXX were I store some cryptocurrencies. I Transferred XXXX XXXX XXXX ( currently worth about {$180.00} ) from my XXXX XXXX to my Coinbase account on XX/XX/XXXX and the transaction was shown as complete when I tracked it online. I also got a confirmation through my XXXX XXXX. 
Before the transfer, Coinbase cautioned me to only transfer XXXX XXXX to that cryptocurrency address and that is exactly what I did. 
However the XXXX XXXX hasn't been deposited into my account and Coinbase doesn't want to take responsibility for it, even though it is obvious I transferred it to my Coinbase account.
Consumer complaint received 2022-02-25
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. (GA)

I have previously disputed with transunion, XXXX and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2022-02-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY (VA)

In XXXX of XXXX I started the process of refinancing my home in order to lower my monthly payments. My original loan was with Virginia Housing Authority, now Virginia Housing. The closing for the refinance was XX/XX/XXXX, and the payoff statement included the mortgage payment for XX/XX/XXXX, with payout to Virginia Housing on XX/XX/XXXX. I paid the mortgage payment for XXXX on XX/XX/XXXX. This means that Virginia Housing received XXXX payments for the month of XXXX. They have NOT reimbursed me for the double payment. 

I received a check on XX/XX/XXXX, in the amount of {$360.00} stating that was the amount I had in my escrow account. I called Virginia Housing on XX/XX/XXXX, and spoke with a representative of the company. He informed me that yes, they received the XXXX mortgage payment from me on XX/XX/XXXX, and yes, they received the payoff from XXXX loans on XX/XX/XXXX, which also included a mortgage payment for XXXX. More than that he could not tell me and stated that loan payoffs are an entirely different department and there is no phone number for them. He provided me with an email address, XXXX, and told me to email them. He stated that they typically respond in XXXX to XXXX days. 

I emailed Virginia Housing on XX/XX/XXXX, and again on XX/XX/XXXX. I have received no response nor have I received the refund for the XXXX mortgage double payment.
Consumer complaint received 2022-10-10
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and at Transunion? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! I have talked to the banks and they approved to DELETE these accounts from my file. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX  XXXX, XXXX XXXX
Consumer complaint received 2019-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

A check deposit of {$4000.00} was made to my checking account on the morning of XX/XX/XXXX, a hold was then placed on the funds and they were not made available in a reasonable amount of time. Today is XX/XX/XXXX and the entirety of the check is still on hold. It has been seven business days and nine calendar days. I have called both banks and no help or insight as to why my funds are being held has been provided.
Consumer complaint received 2021-10-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Persolve, LLC - Legal - Series 2 (TX)

XXXX/XXXX/201 a XXXX male left a note on my door stating that his name was XXXX and that i needed to contact him about legal documents from XXXX County Court in XXXX TX. I was present at home when this man knocked on my door my security camera sits in my window facing my front door. I was looking through my peep hole of the front door this man had no visible badge or I.D nor was dress attire for XXXX County Court. He noticed the camera and stepped back out of view of it. He left and i called the number provided on the paper and he asked my name and address i answered the question asked him about the notice left. He replied " i have some documents from Persolve legal Group to give you about a collection i for sue. I responded that i haven't received anything via mail from or phone call from XXXX County about Persolve Legal Group suing me. He proceeded to tell me that i need to get the papers from him in a upset manner. I asked him if he was a Officer of the court for XXXX County in XXXX Tx he replied " Yes, The judge sent me to give you these papers '' i asked for his full name, Badge number and what court he worked out of he laughed and said " Thats None Of Your Business " I then told him if he cant properly identify him self as a Officer for XXXX County Courts to not contact me or come to my home and he replied " ill be back ''. I then Contacted XXXX XXXX County Information number told them about the situation. The Clerk transferred to a the XXXX Sheriffs Department and i spoke with a deputy who told me that The Officers Must Identify themselves when asked by a civilian and display a badge or id is worn visibly on any court officer of XXXX County they do not send out Officers to issue documents regarding Debt Collections. He took my name address and phone number and told me that if it happens again to call and to not engage in any further contact with the person and was noted in the system for future reference. This made me weary and is a major concern for my safety. The note on my door didn't bear any XXXX XXXX County Court Trademarks, court number, address, or legal identification. I will upload the note that was attached to my door. I believe this is in regards to a Auto Debt Collection being perused by Persolve , LLC XXXX XXXX XXXX # XXXX XXXX, CA XXXX http : //persolve.com
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (FL)

My online banking access at Wells Fargo Bank was suspended for so called suspicious attempts to gain access with my username and password. 

I called the online fraud unit as instructed by email but had to wait online for 44 before somebody answered. 

Then I was told I had to go to a branch and show my ID and call them again with the branch banker on the line. I have been a client of Wells Fargo bank for over 20 years and never before have I been told to go to a branch to show my ID. Before they would establish my identity by asking questions which I would correctly answer on the phone. 


Their fraud unit is covering their potential liability by making it harder for people to regain access to their account.
Consumer complaint received 2022-12-04
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

An account stating that I am delinquent XXXX, which, should show I dispute, also showing incorrect payments made in XX/XX/XXXX and XX/XX/XXXX, XXXX and XX/XX/XXXX and again in XX/XX/XXXX. That is false, I did not make any of those payments and actually reported my card stolen in XX/XX/XXXX,  provided police report and XXXX   reporting this information regarding other accounts on XXXX  and XXXX   correctly. Also, does not state last payment made, which XXXX, in a letter sent to CFPB states was XX/XX/XXXX.

I am disputing this debt as I have sent in complaints that XXXX XXXX corporate did not effectively communicate their accounting errors and did not reflect my refund to my card/account correctly to XXXX   and XXXX, which would have shown that my account was paid and closed.
Consumer complaint received 2019-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a business checking account with Bank of America since more than 10 years. I recently deposited a cashiers check at an ATM of more than {$5000.00} from a credit union on XX/XX/19. The bank has put a hold on the complete amount till XX/XX/19. I called their customer service line and spoke to XXXX today. I was told that nothing could be done to release the amount earlier because they had not been able to verify the check yet.
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (OH)

15US code and 1681S2 Responsibilities of furniture of information to consumer reporting agencies ( A ) Duties of furniture of information to provide accurate information ( 1 ) Reporting Information with actual Knowledge of errors this away not to have to pay off Any information relating to a customer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is accurate -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account with my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account with my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate
Consumer complaint received 2022-02-25
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. (OR)

On XX/XX/22 I contacted XXXX, TransUnion, And XXXX Regarding my viewing my credit report, and seeing some inaccurate and false info on my credit report. It has now been over 30 days, and have not received a response. This false information has severely crippled my ability to obtain credit, secure housing, or even apply for SBA Loans.
Consumer complaint received 2021-10-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

This is my third time reaching out to you and each time you closed my case with no explanation. I have to assumed it was because you was under the impression that I was sent the requested information .I sent several certified letters and several fax to LVNV Fundings LLC and their lawyer 's XXXX and XXXX XXXX explained that since this pandemic the mail service is so messed up so I ask them could they send all bills, validation letters, court papers and even proof that they can collect in this state to send certified so that their won't be he said she said since you kept closing my complaint it means you believe that they sent me the requested information well they haven't but I did get one letter from their investigator that's is full of lies he said he delivered to an address that I never resided at and I went to that address a woman live their for over six years and that vague description fit almost any XXXX male but not me I sent them proof that he couldn't have delivered it to me and because of his lies a default was order against me and every since then I have been trying to get what I need so that I won't have to get another XXXX visit like the one I had in XXXX and now I have another one XX/XX/2021 and since you going to give me that XXXX about 15 days and they can ask for another 30 days which means I'm looking at another date if I don't get what I need if they claim to have sent it then they won't mind sending it again but certified
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (PA)

My name is XXXX XXXX. I am a student in college and from around the area of XXXX, Pennsylvania. On the day of XXXX I received a check of XXXX $ from a scammer ( as a student I am desperate to find a job right now. One day, I got an email from my school that said this person needs to hire someone to take care of their dog. I got scammed out of XXXX $ because TD Bank cleared a bad check. If TD bank didn't clear the check I would not lose that XXXX . It's a really long story and I also filed a police report for that in case you guys want to take a look at it. Police report number is : XXXX ). I deposited the check on XXXX, 2021 and TD Bank cleared the check on the next business day ( XXXX, 2021 ) with the full amount of XXXX $! Before making a withdrawal and sending the XXXX $ to the scammer I have already called the bank and asked if that check was really good and they said yes the check was good! After that I still waited 2 more days to see if the check still good and then I decided make a withdrawal of XXXX $ from it. ( The scammer told me that XXXX $ is the payment for my first week as a secure position of take care their dog and the rest of XXXX $ they want me to send it to someone else ). 5 days later TD Bank blocked my bank account and didn't even bother to send me an email or give me any call to say that the check was bounced. I had to call them myself once I found out that I can't log in to my bank account. By that time they kept charging me overdraft fee money of XXXX $ for overdraft and they still blocked my bank account. Because I have no access to see my bank account balance so I cant prevent my account from an overdraft. Now I am in a debt of XXXX which I was saving to pay for my tuition. I don't understand why a bank cleared a bad check and gave me access to the full amount of XXXX $!! Then don't tell me anything about the check was no good and keep charging me overdraft fees without my knowledge about what happened. I am a student and the amount of XXXX $ was a really big amount for me. I trusted TD Bank and was their loyal customer for a while but after this incident I will definitely move on to another bank who can protect me and appreciate my money. Below is the proof that the check was cleared by the bank. Lucky that I was screenshoot it before they blocked me. They still block me now and I already pay them back XXXX $ as of today. Their overdraft fee is crazy. I want to share my story to the other people so that others can learn from my experience.
Consumer complaint received 2022-10-10
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. (VA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions 15. U.S.C 166b a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose