davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (IL)

This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX buying defaulted notes is a violation of UCC 9-110 and UCC 2- 401.They use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with CREDENCE RESOURCE MANAGEMENT. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). CREDENCE RESOURCE MANAGEMENT can not and will not ever produce a contract between me XXXX XXXX and CREDENCE RESOURCE MANAGEMENT because that contract does not exist. As a private consumer and natural flesh and blood woman I have been violated by this organization.
Consumer complaint received 2021-05-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC ()

I created an account on XXXX XXXX under the auspice that I would be able to easily transfer the funds via the platform Gemini ( 'Cash out to Gemini - Anywhere ' they advertise ). I deposited thousands of dollars and used the XXXX platform. When it came time to withdraw some funds, I tried to create a Gemini account near the end of XXXX. I submitted documents in accordance with their verification process, including a scan of my passport, government ID and I believe a document with my address. Their international requirements were a little grey and on XX/XX/XXXX received an email stating : " Thank you for providing your document ( s ) for review! We're excited to have you join the Gemini community ; however one or more of the documents did not meet our verification requirements. 

You have submitted an invalid ID type. To proceed with the identity verification process please upload a full and clear image of your driving license or National Identity Card from your country of residence so that our team can complete verification. '' From this message it was unclear which document was invalid and why. I inquired with support but never got a reply. Because I don't have a driver 's license, I acquired a new piece of government photo ID for the sole purpose of verifying my account. 

In midXXXX  I submitted my documents, including new piece of valid ID, and expected to be verified but never was. My verification status continues to say " Pending '' and I have not been able to receive a response from a human in customer support.

Having waited over 2 months for my account to be verified while my money was held hostage, I looked for solutions online and found that others ( there are MANY others ) had had success closing their 'pending ' accounts and creating new ones from scratch, so I gave it a chance.

However, when trying to create an account using a different email address I was immediately notified that the new account had to be closed. 

" Due to a recent account review, Gemini has determined your account must be closed. Unfortunately, we are not able to elaborate on the specifics for this decision. If a balance remains in your account, please contact XXXX '' So, now have over {$6000.00} USD locked on XXXX XXXX with no apparent way to access it, while the company profits off the recent increases in cryptocurrency value. Gemini acquired XXXX XXXX in XXXX. The exclusive relationship would be tolerable if users could actually create accounts and withdraw their funds. The industry standard for verifying accounts is typically a few DAYS, weeks and months without any communication is negligent.
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

In early XXXX I contacted Capital One to report unauthorized transactions on my account via a XXXX XXXX account that did not belong to me. Capital One issued temporary credits on XX/XX/XXXX. On XX/XX/XXXX, Capital One sent notice that my dispute had been unsubstantiated and closed it. I immediately called Capital One to inquire about the dispute, and they told me it had not been closed. On XX/XX/XXXX, Capital One removed the temporary credits, despite the agent telling me the dispute was not closed ( contradicting the email ). Again, I called Capital One to inquire about the dispute and request documentation via email. Capital One indicated they would further look into the dispute. On XX/XX/XXXX, Capital One sent documentation showing transactions performed on an IP Address that does not belong to me. Capital One claimed this IP address belongs to me, showing serious IT issues in their fraud review department. When I brought this to their notice and asked for contact information to their legal department, they told me the dispute was closed and that they would not respond to additional attempts at communication. Capital One has essentially broken the law that requires banks to ensure customers are not made to pay for fraudulent transactions.
Consumer complaint received 2020-07-27
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. (AR)

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts.
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

I switched our home security services to XXXX. I was told the equipment could be paid monthly ( not by pulling our credit and placed on credit report ). The technician showed up for installation and I was told to sign contract. The contract was to pull my credit report for the equipment ( I was not happy about this b/c this was not what I was told prior to install ). The technician did not complete the job and outdoor camera never worked. I spoke with XXXX representative and we canceled all services the following business day, but reached out to technician next day ( he never responded ). XXXX sent email stating I was no longer liable for services or equipment and a technician was sent to uninstall the remaining equipment. I was sent notice from Citizens Pay that my application was not approved because the credit bureau was unable to verify my identity. ( XXXX misspelled my last name which was also misspelled on the account which I told technician ) I was then notified by all credit bureaus I had a new account opened in my name. I called XXXX and spoke with representative about the account being removed from my report. I was told I had to speak with credit bureau 's for removal. I disputed with all bureaus and each state " the account is verified ''. I tried reaching out to Citizens Pay only to get an automated message or XXXX. I can never speak to live a person and XXXX number given is no longer active. In short, the equipment was returned and service for XXXX canceled but the account still shows up on my credit report as active with a balance. Now I am having issues having this account removed from my credit report.
Consumer complaint received 2020-07-27
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)

I have a late payment on XXXX credit card. This payment was reported late in XX/XX/XXXX. XXXX extended me an extension because of the Corona Virus. 

Overview You're currently using 86 % of your account 's limit. 
Balance {$3800.00} Credit limit {$4500.00} Minimum monthly payment {$78.00} Opened XX/XX/XXXX ( 3 yrs, 9 mos )
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NC)

In XXXX of XXXX I made over a {$2000.00} payment to this credit card, specifying that it was to pay off promotional purchases that were about to expire, or had already, to avoid massive interest added to the card balance. 

Immediately following that payment, they lowered my credit limit from {$3200.00} to {$850.00}, completely wiping out any credit gain I could have made by lowering my credit usage, and actually damaging it further. This was the 2nd time they had lowered my credit limit in XXXX, despite being a loyal customer for 12 years. 

On XX/XX/XXXX, I received an email stating my account had been closed. It turns out they still charged me the compounded interest on one of the promotional purchases, despite the payment on those sent in XX/XX/XXXX. The interest made my balance jump to over {$1500.00} with a credit limit of only {$850.00}. After canceling the account, it went to {$1500.00} over 0. 

This has devastated my credit rating which I had been working very hard to improve after going through payment problems during the covid shutdowns. 

When trying to work this out with the issuer, the only thing they would tell me is that something on my credit report had caused them to cancel the account. The item on my credit report, was THIS.
Consumer complaint received 2018-05-02
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)

experian, XXXX  and XXXX  has XXXX my credit up again Account NameXXXX  Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$1000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX was removed 4 years ago b/c of id theft now put back on sent the police report and ftc
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, TransUnion Bureau did not take any action to remove the incorrect information and inquiries listed below : Incorrect Name : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX Inquiries XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

Under the FCRA I request that LexisNexis immediately notify XXXX of the folllowing : That the bankruptcy Item XXXX is deleted from my file. And to provide me with a copy of said communication. Under the FCRA, I have the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).
Consumer complaint received 2024-03-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synovus Bank (GA)

I am writing to dispute the validity of the debt collection attempts made by your agency.I am unaware of this debt and have not had an opportunity to dispute it due to lack of proper notification.It is my right, under the Fair Debt Collection Practices Act ( FDCPA ), to be properly notified of any debt before collection activities begin.If you believe that I received proper notification, I kindly ask that you provide the certified mail with a receipt containing my signature confirming receipt of the notification letter. Without such evidence, I dispute the claim that proper notification was provided.
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: OPTUM BANK, INC. (OH)

I used my online account at Optum Bank XXXX to request {$62.00} payment to XXXX  XXXX on XX/XX/2024. My online account shows a deduction of this amount on that date. 

As of XX/XX/2024XXXX XXXX XXXXXXXX has not received this payment. 

I previously requested payments in this same way, and they were processed.

Optum Bank states that they present " virtual card payment '' to providers, and if the payment is not accepted after 30 days, they issue a paper check. Optum bank claims that they sent a paper check on XX/XX/2024. 

I use online banking tools at XXXX XXXX  and never experience this kind of delay.
Consumer complaint received 2024-03-21
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

I received a phone call from National Credit Systems regarding a debt owed to XXXX at XXXX XXXX XXXX in the amount of {$12.00}, XXXX. On XX/XX/2023 I sent a written request for more additional information about said debt, including but not limited to lease agreement, itemized statement, and the collection agency 's right to collect the debt. In response, National Credit Systems sent a generic statement in which did not include any of the requested documentation. I then sent 2 additional requests on XX/XX/2023 and XX/XX/2023. National Credit Systems continued to send a generic statement on XX/XX/2023 and XX/XX/2023, which did not include any itemizations of charges owed.
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (CO)

I applied for this card because it was rated highly for balance transfers.I listed my wife 's phone number and email because I am on the road and work in the XXXX. I have no signal most of the time. As part of our financial strategy, we did not include her as an applicant. ( She is now listed with American Express as an account manager. ) I received the card in the mail and activated it online. I wanted to transfer a balance. I was aware of the advertised terms as stated on numerous websites. Even the paperwork stating terms were received with the cards. I was unable to transfer the balance I wanted. Apparently, American Express recently decided to not accept balance transfers. I feel I should have been notified of this prior to the company dinging my credit ( which I am super careful about ). I also chatted online with a " XXXX '', who told us that I can only use the card for daily purchases. Balance transfers were only by " special invite ''. How many credit savvy people are taking a hit on their credit scores and not getting the services and offers they thought they were applying for? This feels like " bait and switch! '' Now, my credit took a hit for the inquiry and I have a new credit card that is useless to me because I can't use it as I had intended! 

On XX/XX/XXXX, we received an email stating that the complaint was closed because the name and phone number listed on account did not belong to applicant. Of course, it was my wife 's. As I said, she is now listed as an account manager. I want to pursue this complaint. Please " re-open '' this. The original complaint number from OCC is XXXX. The CFPB complaint number is XXXX ( XX/XX/2020 ).
Consumer complaint received 2024-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit 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 ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

Well, I sent a letter disputing the accuracy of the bankruptcy record from the third party company XXXX because they are reporting this information. Also, I sent a copy of a letter from The U.S. Bankruptcy Court stating they do not give out that information.
Consumer complaint received 2023-03-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M/I Homes, Inc. (TX)

I have not yet received anything on how to pay my first mortgage payment. We closed on XX/XX/23 and we have received nothing in the mail from M/I Financial. The first payment will be due at the end of the month. I can find nothing online on how to create and account and pay.
Consumer complaint received 2020-07-27
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. (NV)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-07-27
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. (NV)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2018-05-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: LCO Financial Services, LLC (NC)

I got the loan with the intention to pay it off right away but my position in my job changed abruptly and my pay decreased leaving me in a financial bind. I originally borrowed XXXX and have been paying XXXX biweekly since XX/XX/XXXX with an initial payment of XXXX and can no longer afford it. I called them to ask for assistance or if the pymt could be lowered and they refused. To date I have paid a total of XXXX. I do not want this to negatively impact me anymore than it already has. I know that I borrowed the money with the intention to pay it off quickly but I just want to be able to move on because they have already received their money back and more than the amount I borrowed.