davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-20
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: Resurgent Capital Services L.P. (AL)

This company is filing a delinquency report on my credit files in all three bureaus. - XXXX XXXX XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX This is in no way truth.
Consumer complaint received 2018-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CO)

On XX/XX/18 I took {$100.00} out of my US Bank account using my card ending in XXXX. When I arrived home I did not have the money in my pocket. I do not wear baggy/loose clothing and am very conscious of my possessions. I rarely loose anything. I thought for sure the machine sucked the money back in and that I would see an account credit. When I did not see an account credit after several days, on XX/XX/18 I went to the branch on where the ATM is located in a sheltered ( card required to enter ) entryway into the bank. The woman at the bank processed a dispute of the transaction and assured me they would investigate by looking at the ATM report and cameras, and provide me with the findings. The ATM is owned by a company separate from the bank. I received a letter dated XX/XX/18 saying that the claim was denied because " no errors occurred with your transaction ''. On XX/XX/XXXX another letter mailed to me saying I had duplicate disputes and my dispute was being withdrawn. After some infuriating calls with US Bank where I was bounced back and forth between customer service and the fraud dept. I filed a claim with the CFPB on XX/XX/XXXX. The claim was dismissed on the basis that the Bank still had time to investigate. I near the end of XXXX I received a very cryptic letter from US Bank stating that the " documents I requested are enclosed ''. What I received was an inscrutable ATM terminal log report laced with jargon. There were no findings of fact, there was no interpretation of the report, no mention of camera footage being reviewed, no indication that the ATM machine does or does not suck money back in. The elements of a normal determination were not present and I have no confidence in their " investigation ''. Surely this kind of absurdity is a violation of law or regulation. I want an answer of what happened to that money.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable to cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX AUTO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BAN XXXX ) XXXX FXXXX XXXX XXXX
Consumer complaint received 2022-12-02
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)

On Experian there are inquires and or accounts listed NOT MINE I have tried to get help and they claim it is up XXXX me to call each creditor I filed XXXX report and sent it in but those items are still on my report when i call Experian they ask me to send the information again and the portal wont accept my information and my report is not updated when XXXX sent the XXXX  letter they would no accept it without a signature, i asked if they would call the creditor to verify the letter and they would not. 

I contacted the creditors and got updated letters with signatures.
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: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a pressing issue regarding the failure of the credit bureaus, particularly Experian, to promptly investigate and update me on the status of my dispute letters, which were submitted more than 30 days ago. The dispute letters were intended to address inaccuracies on my credit report, and despite the lapse of the legally mandated investigation period, there has been no resolution or communication from the credit reporting agencies. 

On XX/XX/XXXX, I submitted dispute letters to Experian concerning certain accounts on my credit report that I believe contain inaccuracies. To my dismay, despite the 30-day window stipulated by the Fair Credit Reporting Act ( FCRA ), I have not received any updates on the status of the disputed accounts from Experian or the other credit bureaus involved in the dispute process. 

To compound the issue, I engaged in a conversation with a representative from Experian on XX/XX/XXXX and XX/XX/XXXX, during which they confirmed the receipt of my dispute letters. Shockingly, the representative disclosed that the disputes had not been entered into the system for investigation. I have meticulously recorded this conversation and can provide the recording as evidence. 

As per my understanding of the FCRA, if accounts are not investigated within 30 days of a dispute being entered, they must be promptly removed from the credit report. It is deeply concerning that this mandatory investigation period has been exceeded, and the credit reporting agencies have not adhered to their responsibilities under the FCRA. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that my rights as a consumer are protected. I seek your assistance in compelling the credit reporting agencies, especially Experian, to promptly investigate the disputed accounts and provide me with the necessary updates on the resolution
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-02-23
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)

I am so bewildered about this situation. I've submitted this complaint 3 times & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX.. Balance : - ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : {$1400.00} ; XXXX XXXX XXXX .... Balance : - ; XXXX  XXXX XXXX .... Balance : {$410.00} ; XXXX XXXX XXXX .... Balance : {$450.00} ; XXXX XXXX XXXX .... Balance : {$1700.00} ; EQUIFAX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MIDFIRST BANK (PA)

I opened an account with XXXX on XX/XX/XXXX via their XXXX app. I received two emails welcoming me and confirming my open account. On the same day, I electronically deposited a {$100.00} check into the new XXXX account via their app and received notice that the funds would be available within five business days. I then setup trial deposits from another of my bank accounts so that I could transfer to/from XXXX. 

On XX/XX/XXXX, I saw the trail deposits in my XXXX account, so I set up a transfer from my external account to XXXX for {$1000.00}. Later in the evening on the XXXX, I was unable to log into the XXXX app. Since these issues do sometimes occur, I did not contact support at that time. 

On XX/XX/XXXX, I still could not log into the app, and even trying to reset my password yielded an error that I should call support. So I did and was told that I could not access my account because XXXX closed my account " for business reasons. '' I received no notification of this closure prior to my conversation with this rep on the XXXX. The rep told me to expect a letter in the mail. 

I then asked about the status of my funds. The rep told me that the {$1000.00} transfer should be rejected and returned to my originating bank because it had not yet shown up on their end. But the rep then told me that the {$100.00} from my check deposit would be held until XX/XX/XXXX because even though the account is closed as of the XXXX, it will not " process as closed '' until XX/XX/XXXX. Then they will send a certified check for {$100.00} on XX/XX/XXXX. I asked if I could withdraw the funds via the app, but the rep told me that my account access was locked and could not be reinstated because my account was closed. 

Thus, I seem to have no way to retrieve my funds before XX/XX/XXXX even though I received no advance notice of this closure or even a specific reason for the closure, and I was offered no alternative way to retrieve my funds besides waiting until no sooner than XX/XX/XXXX ( plus mailing time, most likely ). 

I do not believe XXXX acted in good faith in this instance and request that my {$100.00} be released immediately to me either electronically or via certified check on the next business day.
Consumer complaint received 2021-06-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WI)

I have an account with Coinbase ( CB ) where I own XXXX XXXX cryptos valued at nearly {$XXXX}. On XX/XX/2021, at XXXX central time, I noticed that my XXXX XXXX were sold and the cash money were transferred to some account that I am not familiar with. Also they tried to transfer {$2000.00} from my XXXX to CB account. I contacted CB immediately and filed a complaint ticket ( Case # XXXX ). ( they do not have live support ). 


My account was locked and I had never heard from them since. 
CB has a policy that when someone initiate a cash withdrawal, it would take 1-5 days before the fund are fully transferred to the bank account. So CB has plenty of time to stop the fraud transaction since I informed them immediately. 

I use 2fa authentication security login and there is no evidence that my personal PC or phone were hacked.
Consumer complaint received 2018-08-20
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: EQUIFAX, INC. (LA)

I have several accounts thats shown on my credit and that should not be list on my report.. these accounts where settled in my divorce.. 
The accounts are as follows XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

I have two issues with this bank that goes into the quality of Comenity Bank 's ( " the bank '' ) internal controls : ( XXXX ) I rendered a payment of the statement balance via my bank 's bill payer account. Even though the payment was delivered last week, the bank alleges non receipt while all of the other accounts had their payments applied properly. I was forced to reissue the payment and have my issuing bank stop payment ( fee of {$35.00} ) and reverse the payment. ( 2 ) Comenity acquired my XXXX XXXX account from XXXX XXXX XXXX. Although the bank alleges that the card had been issued, it was shown that this had not occurred - requiring a reissuance.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (MA)

This letter serves as an expression of utmost frustration and dissatisfaction regarding the current state of my Chime account. I have been a loyal customer of Chime Inc for over XXXX XXXX. However, my recent experience has left me severely disappointed and inconvenienced. 

As of now, I have been unable to access my Chime account for an undisclosed period due to what appears to be a misunderstanding regarding a series of refund payments from a legitimate company, I rightfully requested a refund. In response, they promptly refunded me {$2700.00} in the form of nine {$300.00} payments. 

To my shock and dismay, these entirely legitimate transactions have triggered an alarm within the Chime Inc system, resulting in the arbitrary freezing of my account. This action has not only disrupted my financial stability but has also caused significant distress to myself and my wife, as we solely rely on Chime for managing our finances. The implications of being denied access to our funds extend far beyond mere inconvenience ; it jeopardizes our ability to meet essential expenses, manage daily transactions, and uphold our financial responsibilities. 

Furthermore, I am deeply troubled by the lack of communication and transparency regarding the status of my account. Despite numerous attempts to rectify this issue through Chime Inc 's customer service channels, I have been met with unhelpful responses and a frustrating lack of progress. As a valued customer, I expected better treatment and a more efficient resolution process. I have submitted them with required documents almost 9 times now and they still haven't been able to address the issue. 

I implore Chime Inc to take immediate action to unfreeze my account and restore access to my funds without further delay. The continued blockade on my account is causing undue hardship and severely impeding my ability to conduct my affairs. Additionally, I expect a thorough investigation into the circumstances surrounding the freezing of my account and seek assurance that such unwarranted actions will not be repeated in the future.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

On XX/XX/22 I filled a complain through the CFBP for a incorrect collection that was placed on my account on XX/XX/22 the company responded & said the collection was closed with explanation from my XXXX report. 

For the amount of {$160.00} debt from XXXX XXXX. I called and canceled the membership prior to them placing a collection on my account. I sent several letter to Equifax no response.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect Also Known As : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Incorrect DOB : - XXXX Incorrect Employers : XXXX XXXX XXXX ; XXXX Listed below are the Inquiries that are being challenged XXXX  XXXX XXXX  | XX/XX/XXXX XXXX  XXXX XXXX  | XX/XX/XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX  XXXX XXXX  XXXX | XX/XX/XXXX XXXX  XXXX XXXX  XXXX | XX/XX/XXXX
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My XXXX account, XXXX XXXX account, and XXXX account with XXXX XXXX  have all been closed by XXXX XXXX  on or about May XXXX and July XXXX. All of these three accounts were always paid on time and show good status. However, all three accounts were closed by XXXX XXXX  for no reason. I believe the reason they were closed was due to a error on the XXXX XXXX  account, which I tried fixing for over a year with XXXX XXXX. This error was correct on XX/XX/XXXX. However, my XXXX XXXX, XXXX XXXX, and XXXX account are still close which continues to affect my credit.
Consumer complaint received 2024-02-14
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX Dear Credence, I trust this letter finds you well. I am requesting verification of the alleged debt, specifically, a copy of the original purchase agreement. Please be aware that the agreement must be with original creditor and signed by all parties involved. I am requesting this because I've had other agencies reach out to me in regards to the same debt. 
Also I kind request that you also send the following : 1.Verification of the original creditor, XXXX XXXX XXXX XXXX XXXX 
2.Detailed proof of the amount owed, encompassing any fees, interest, or additional charges. 
3.Clear documentation establishing Credence legal authority to collect this debt. 
4.Copy of Purchase Agreement I am also requesting deletion of all prior reporting made to any of the consumer reporting agencies i.e. XXXX XXXX XXXX XXXX XXXX 
Please cease all collection efforts until this alleged debt is validated as accurate and complete. Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX