davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
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. (TX)

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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY (CA)

I opened a student credit card line with Wells Fargo sometime in XX/XX/XXXX, someone who I was dating at the time knew someone who works at Wells Fargo I did not know until later on my ex had connection through one of the employee 's to see the statuses of my account and changed my password to access my online banking, he also changed my banking paper statements to paperless. It wasn't until a year later I learned my credit card has been max out, I requested a transcript of the spendings and only two transactions were made by me. I paid off the card, once I paid it off I closed all accounts. I still am in fear that the my ex boyfriend is still having access to my personal information by his friend/family who works at a Wells Fargo Branch. I do not feel safe banking with Wells Fargo reason why I closed my account, I also learned while going through court for a restraining order against him for a Domestic XXXX case that he has a criminal record for Identity Theft and XXXX XXXX XXXX XXXX. On XX/XX/XXXX I  received a letter from Wells Fargo not understanding why because I closed all accounts that a Deposit has been made recently on an account under my name. I do not know if this Deposit has been made on an account I had already closed or an account that has been opened under my name.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (TX)

I purchased some clothing from my children from XXXX Order number # Online # XXXX. I used Afterpay to make the payment. The order was never received. I open a dispute on XX/XX/24 explaining to Afterpay that my package was never received. I sent them the tracking number and the details to reflect that the order was never received. They never responded. Theres no contact information such as a phone number for the company. I sent messages and Afterpay did not response. It wasnt until I filed a complaint is when they responded and they responded with a generic statement stating that they will investigate. Afterpay did not investigate the charges and still took money out of my account. I had to dispute the charges with my bank and change my debit card. No more communication with this company since. They sent out a generic statement stating that I am responsible for the payment despite never receiving the order. They have done nothing to XXXX to try to get my money back. They havent sent out any correspondence to XXXX They just expect for their customers to pay for good that wasnt received. They cant report my non payment/ this dispute to the credit bureaus because I have evidence that supports me never receiving the item.
Consumer complaint received 2022-01-07
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. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX
Consumer complaint received 2016-08-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (NJ)

I recently had a phone line added to my house. Immediately after being installed we began getting calls from Navient. After repeatedly calling them and asking them to stop and that I am not the person they are trying to call I keep getting contacted. Now they are using a private caller ID instead of Navient. Problem has been so bad that I had to disconnect phone so it does not wake up my kids every night.
Consumer complaint received 2018-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (TX)

I have been a Victim of Identity Theft for many years. I have tried many times to speak with this collection department and have not been able to get a contact person as either I get hung up or they send me to voicemail. I have frozen my credit report for all 3 agencies as somebody is working under my social security number and also getting information. 


Federal Trade Commission # XXXX
Consumer complaint received 2017-12-27
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. (CA)

Original CFPB Complaint # XXXX - NOT RESOLVED. 

Please understand that this complaint is about Equifax violating the FCRA 605B - which clearly states, " if Credit Bureau is presented a valid POLICE REPORT, they must block the fraudulent information immediately within 1 to 5 days. ) They are IGNORING this and just doing a 30 days dispute. 

There are several complaints online from other consumers who get taken advantage from Equifax and their internal decisions. 

FCRA 605 B is very clear. I am asking for the CFPB to let Equifax know that you are aware of the violation and for them to just follow the law.
Consumer complaint received 2017-12-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Strategic Automotive Servicing, LLC (TX)

Strategic Automotive in XXXX Texas is reporting that I have a XXXX on my account that I havent paid in a few months. They have my incorrect phone number and incorrect addresses, they claim my father has passed and the car was picked up in XXXX XXXX Texas which Ive never lived in. I contacted them and they basically called me a liar. My identity was stolen in 2008 by someone in XXXX XXXX and I need this removed off my credit as I need a new vehicle
Consumer complaint received 2019-03-04
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)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on a loan with the XXXX partial account number XXXX. This account has a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2019-03-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (CA)

I am trying to transfer funds ( specifically, {$10000.00} ) from my Wells Fargo account to an account in another bank ( in this case, XXXX XXXX ). I can not do this as Wells Fargo only offers options of ( 1 ) using XXXX to send money or ( 2 ) wire money or ( 3 ) send a paper check by defining the recipient as a payee. 
Option 1 ( XXXX ) does not work as I have my email associated with another account ( XXXX ). 
Option 2 ( wire ) costs {$30.00} Option 3 is inconvenient and outdated. I don't want to get a check as TD does not have branches and I won't be able to deposit is. I also want to keep all transactions digital. 

By designing the system to only transfer money using XXXX, it does 2 things : 1 - limits the amount to {$2500.00} which is not sufficient for many purposes 2- making it practically impossible to transfer money to other individuals ( e.g., family members ) or self at other banks. 

My money is now practically trapped at Wells Fargo, and it must be very convenient for them as they are making interest on my deposit and also limit their fraud risk by basically making it impossible to take money out of account, instead of building an up-to-date fraud prevention system. 

I'd like to see big banks forced to bring back the old ACH transfer system. 

Thanks XXXX
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing this letter to help investigate why the three credit bureaus Transunion, XXXX, XXXX have ignored the certified and notarized letters I have sent on XX/XX/2018 to them to correct my personal information that they have on file. The only thing they did was send me a copy of my credit report but they did not update any of the information I asked for.
Consumer complaint received 2018-03-24
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. (MO)

I disputed a bankruptcy with Equifax requesting information on how they verify the information for a bankruptcy on my credit report. The investigation came back from a XXXX party vendor and not the original part which is required by the FDCPA this is a huge violation and not accurate. When requesting validation they are suppose to provide original documents from a unauthorized source that does not have authorization to provide any personal information. I have contacted the bankruptcy court that has sent me a email they do not report the credit bureaus. I am requesting this information deleted from my credit report immediately. I have no account with XXXX XXXX nor do they have any permission to verify any information that may pertain to me. Equifax can not verify accuracy from a 3rd party vendor .I demand this removed within 10 days of receive this
Consumer complaint received 2022-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (MD)

Gemini has stated that in order to comply with sanctions, they can not unlock my account. This is misinformation because I am a US citizen, I live in the US, I have a job in the US, and I pay taxes in the US. There are no sanctions on me. There are only sanctions on the country that I am temporarily visiting. Therefore, unlocking my account would not violate any sanctions and by Gemini not doing so they are preventing me from being able to use my account when I travel to a location within their area of operation.

I have contacted Gemini numerous times and provided all personal information needed to have my account unlocked. However, Gemini avoids completing the necessary duties required to unlock my account by manipulating the context of the situation in their CFPB responses.

Furthermore, after multiple CFPB complaints, Gemini finally offered the solution of converting my XXXX  to XXXX and then withdrawing the balance to my bank account that they had on file. Considering the recent rise in XXXX  I agreed and told Gemini to do so. This was 10 days ago. Only after XXXX emails, XXXX forum posts, and 6 days did Gemini respond to my email. All they said was, " Thank you for your patience. 

My team is investigating your account issue and I will be sure to reach back out as soon as I have an update. 

If you have any questions in the meantime or any additional details you think would be helpful, please feel free to reply to this email! '' I immediately responded to their email and have responded every day since. Gemini has still not responded to me. Its been 10 days from when they first offered a new solution and I have only received 1 response. During those 10 days the price of XXXX  has changed drastically. 

If Gemini had just unlocked my account like I had been asking for the past 18 months then I could have just travelled to XXXX, a country within Gemini 's area of operation, and completed the conversion myself. No sanctions would have been violated and everything would have been legal. However, Gemini has thwarted my efforts of recovery by using their responses to my CFPB complaints as a platform to pretend to be helpful. The reality behind the scenes is they don't give XXXX XXXXXXXX about helping their customers and will only do so if legally binding.
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MT)

Misapplied payments : The following dates and amounts should have been posted as follows : XX/XX/XXXX reg. payment of {$830.00} XX/XX/XXXX {$1000.00} Principal payment as noted on payment XX/XX/XXXX {$1000.00} Principal payment as noted on payment XX/XX/XXXX reg. payment of {$830.00} XX/XX/XXXX reg. payment of {$850.00} XX/XX/XXXX {$1000.00} Principal payment as noted on payment They keep trying to apply my principal only payments as regular payments, I have called three times and gotten NO HELP FIXING THIS!!!
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have contacted Experian, XXXX and XXXX  to file disputes on fraudulent activities, wrong personal information about me such as my name address information and other eronious items listed on my credit reports, that didn't belong to me, the latest dispute I filed with the credit bureaus were in XX/XX/XXXX, I disputed that there were innacuracies in the amount that was reported that I owe on my report for example one creditor by the name of XXXX XXXX   said that I had a {$300.00} credit limit with them but are reporting on my credit report that I owe them close to {$500.00} which is fraud plus they are the company that kept a {$90.00} security deposit from me and never gave it back but neither have they credited it back to me as a check but they kept it and have not account ex for it, this accounts is being fraudulently reported on my credit report, there are two auto loans that have been paid off in full and on time, listed as open and never late on my credit report, but the credit bureau is falsely claiming that there was a late payment and even though I spoke to the car company and they assured me that they did not report it as late and that it was the credit bureau, but when I disputed it through the credit bureaus they refused to delete it and will not remove it from my report, they're are names of Creditors that I do not recognize or I have never dealt with on my credit report such as XXXX XXXX XXXX, they even have XXXX an car insurance provider on my credit report which I have already disputed numerous times but the credit reporting agencies still have these items listed on my credit report fraudulently, my latest dispute that I filed was in XX/XX/XXXX, and still no remedy. I am asking for help because my credit has been destroyed by thee credit bureaus and are causing me not to be able to obtain auto loans, mortgage for housing, and rejection from credit card companies etc, this is unfair and I want justice.
Consumer complaint received 2021-02-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

I opened an account at Coinbase and Coinbase XXXX  to trade bitcoin. I went through the identity verification process successfully. I then added my bank account to transfer funds to my Coinbase XXXX account. This worked. I initiated a transfer of {$600.00} to my Coinbase account. Very soon thereafter Coinbase put my account " under review ''. Now my {$600.00} is frozen at Coinbase. I am unable to send the {$600.00} back to my bank account or trade bitcoin. They have in effect stolen my money. I of course submitted a support request. They responded in an automated manner and again later saying they would expedite my account review. I submitted feedback that my problem remained unresolved. My funds remain frozen.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On XXXX I received an email from XXXX credit card stating their website is down and they are experiencing tech issues and they will resolve it asap. They said this was not due to any hack/security issues. Then on XXXX I get an alert from Experian stating my XXXX card is 120 days delinquent and the account has been closed due to delinquency. That information is false the card is still open and I never missed a payment. I called XXXX on XXXX and rep XXXX ID # XXXX said they are aware of the issues and it affected all of their card holders and they are trying to fix the false reporting with Experian and the error was caused by the snowstorm. XXXX updated their twitter admitting the problem but they are not admitting to any security breach or the negative information on my credit report which will effect my score. Please assist. Hundreds of other XXXX card holders are experiencing the same problem and XXXX is not being truthful or helpful with this matter. Thank you
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NC)

I dispatched a XXXX Notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC. Upon review of the information provided, it became apparent that the alleged debt in question was unverifiable and lacked substantive evidence to substantiate my purported obligation. Subsequently, I initiated further correspondence to afford LVNV Funding LLC an additional opportunity to furnish the requisite documentation necessary to validate the purported debt. However, LVNV Funding LLC failed to provide the requested documents and indicated their intent to transfer my personal information, along with the alleged debt, to additional debt XXXX named XXXX XXXX XXXX and XXXX XXXX XXXX. 

I hereby demand the immediate removal of all three trade lines associated with this matter from my consumer report, along with the elimination of any accompanying remarks. Failure to comply with this demand will leave me no recourse but to pursue appropriate remedies to rectify this situation. 
Please consider this communication as a formal notification of my intent to address this matter diligently and assertively within the confines of applicable legal frameworks. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received your response that you wont process my to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. 

XXXX XXXX Date Opened XX/XX/2019 Balance {$0.00} Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Unverified Account Account Name : XXXX XXXX XXXX   Type : COLLECTION Date Opened : XX/XX/2015 Balance : {$1000.00} Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

HIPPA is the Health Insurance Portability and Accountability Act. This privacy rule mandates that personal medical information may not be shared unless there is permissible reason for doing so. HIPPA laws do not allow health care providers to share medical files without consent under a HIPPA release. HIPPA release only allows the sharing of medical files with other medical professionals, not 3rd party collectors. HIPPA extends to credit reporting agencies and collection agencies as well. 

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.