davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-12
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: CITIBANK, N.A. (FL)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The item I am disputing do not relate to any transactions that I made or authorized. Please remove or correct this information at the earliest possible time. 
I dispute the XXXX Account # XXXX, Opened XX/XX/XXXX because that item was opened by someone who stole my identity and it is inaccurate. As required by section 611 of the Fair Credit Reporting Act, a copy of which is enclosed, I am requesting that item be removed immediately to correct the information. 
I previously disputed this item with all three major credit bureaus and that account was DELETED from my XXXX  credit report in XX/XX/XXXX ( enclosed ). XXXX  advised me that they informed XXXX of that fraudulent account, however the XXXX Account # XXXX still shows on my XXXX file. 
Finally, I resorted to file a complaint with the Consumer Federal Credit Bureau because I believe that both the retail store bank and the credit reporting agency have violated my consumer credit reporting rights. 
Please investigate and correct the disputed item as soon as possible.
Consumer complaint received 2018-03-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

On XX/XX/2017 I sold my lite coins shares on the Coinbase consumer site. I attempted to withdraw XXXX From my Coinbase account. I have not received the amount withdrawn. Coinbase customer service has claimed they escalated the claim and passed it to specialists. I have yet to hear back from any representatives of coinbase and still have not received the money. After numerous attempts I am unsuccessful.
Consumer complaint received 2020-09-17
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. (FL)

I am writing to dispute fraudulent charges on my account. I am a victim of identity theft. The charges on my account were not authorized. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amount be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (CA)

Due to a wire fraud, we sent out two wires on XX/XX/2020 to SunTrust Bank at XXXX XXXX XXXX, California, Maryland totaling {$31000.00} - {$19000.00} from XXXX XXXX and {$12000.00} from XXXX XXXX XXXX. The money is still in the scammer 's account with SunTrust Bank and a hold has been placed on the account on XX/XX/2020. Our banks in XXXX XXXX, California contacted SunTrust Bank but they denied cooperating with them. They offered no explanation or assistance in resolving the problem.
Consumer complaint received 2022-04-05
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have found collection accounts from XXXX XXXX, XXXX XXXX and XXXX XXXX that claim I owe them money. I have never signed any contract with these comapnies and request to have these permanently removed from my credit report.
Consumer complaint received 2020-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Synergetic Communication Inc (OR)

I received a letter dated XX/XX/XXXX on XXXX XXXX, XXXX from Synergetic Communication , Inc. requesting a reduced payment on a XXXX   XXXX  account that was discharged in a bankruptcy in XXXX. The letter stated the current creditor is XXXX XXXX XXXX XXXX and original creditor is XXXX XXXX. Balance due is {$1400.00} but {$360.00} will be accepted as full payment and payment must be received by XX/XX/XXXX. 

There is also a statement at the bottom that says that this debt is too old for me to be sued as it is beyond that statute of limitations and I can not be required to pay it.
Consumer complaint received 2020-03-27
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: EQUIFAX, INC. (AR)

My husband and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my report.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2020-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On Wed, XX/XX/2020, I placed an order for two XXXX XXXX XXXX Toilet Paper, 36 Double Rolls - White with the website carolike.com for the amount of {$64.00} USD through my PayPal account. This order was placed with carolike.com, as many physical and online stores had sold out of toilet paper as a result of the current pandemic, and I wanted to ensure my and my family 's household had sufficient supplies.

I received confirmation of my purchase via email from carolike.com, however, it should be noted that both the " view your order '' and " visit our store '' buttons were not working. Additionally, the email  originated from an " XXXX '' personal email address. Obviously, this was suspicious, however, I really had no way of checking my order or contacting them as their website was now down. 

On XX/XX/2020, I received a package from XXXX with what looked to be hand-rolled single ply paper and am uncertain if this is even toilet paper. It was certainly not the XXXX XXXX toilet paper I had ordered and will not be attempting to use this as toilet paper. On XX/XX/2020, I filed a dispute with PayPal advising them that this merchant is a scam as their website is no longer working nor is my order link in the order confirmation. I advised PayPal that I was not the only individual who is having issues with XXXX 's orders, and referred them to see the XXXX  reviews where many other individuals describing the same issue of having been scammed. 

I was notified by PayPal, that the merchant would provide me a full refund IF I shipped back the item I had received. I do not believe I should have to pay for the international shipping costs to the provided address which I can not even read provided by PayPal : " Return shipping address XXXX XXXX XXXX. '' The only acceptable form of resolution would be for this scammer pay for the shipping costs for the return of the unsanitary garbage I received from them, and my receiving a full refund. I am disappointed with PayPal and it's consumer protection process. It is clear that this merchant is scamming a number of individuals during this pandemic and causing consumers like myself undue harm and loss of monetary funds. They are taking advantage of and prey on consumers during this pandemic. PayPal should be ashamed by having partnered with this merchant and I am filing a formal complaint to make the CFPB aware of the issue and to assist in a satisfactory resolution to this matter. 

With that being said, I believe I should receive a full refund for this order as it is Significantly NOT as Described and for having been scammed by a merchant PayPal did not conduct sufficient diligence on when onboarding.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid 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: U.S. BANCORP (OH)

On XX/XX/2020, and in XX/XX/2020, I had unauthorized charges on my account. 

XX/XX/2020 XXXX XXXX XXXX More details {$310.00} XX/XX/2020 XXXX XXXX XXXX More details {$310.00} XX/XX/2020 XXXX XXXX XXXX More details {$700.00} XX/XX/2020 XXXX XXXX XXXX More details {$700.00} I disputed these with US Bank and had the card closed. 

However, US Bank refuses to investigate the unauthorized charges. 

They claim I was refunded by the merchant for the unauthorized charges, but that is NOT TRUE. I even sent them a follow up, but they ignore all correspondences. 

They even ALLOWED the merchant to continue to charge my card in XXXX, despite US Bank knowing these are fraudulent charges. They refuse to investigate this.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (OK)

I've filed a dispute with XXXX XXXX credit card company where I have been XXXX  in the XXXX XXXX XXXX XXXXXXXX since XX/XX/XXXX serving a XXXX XXXX XXXX  in the XXXX XXXX  XXXX XXXX. Where I am housed at the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, OK XXXX and my XXXX  number is XXXX. I looked on my credit report, I seen a account from XXXX XXXX  that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in prison, with a copy of my XXXX  XXXX  Identification with my Social security card. which could've all been verified by the XXXX XXXX XXXX had this company did a proper investigation into this matter. Where they never responded to my dispute letter mailed back in XX/XX/XXXX. First of all for these reasons if I have been XXXX  for the past XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 10 years where no credit card was ever mailed to this facility would shows that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.
Consumer complaint received 2020-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (IL)

I received a letter from the State of IL dated XX/XX/XXXX regarding a past due debt owed to the IL Dept of Human Services. This debt is supposedly from the dates of XX/XX/XXXX - XX/XX/XXXX. As soon as I received this letter I immediately hand wrote a letter of dispute and mailed it to the dispute address of Account Offset Unit XXXX XXXX XXXX XXXX, IL XXXX. In the letter I requested documentation showing that this debt was owed by me and the reason behind it. I have never heard back from the dispute department regarding this debt. I received a notification that this debt was sent to a collection agency by the name of Harvard Collections. I want this immediately removed from my credit file and I want documentation that this debt is owed by me. I also filed for bankruptcy back in XXXX and if I would have included this if in fact this was owed by me.
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (LA)

Discover Card- From XXXX XXXX XX/XX/XXXX i was on tour i have documents need to prove i was on tour at the time. I was charged a XXXX dollar delinquent charge without knowing while i was working. it increased and now i'm in a bind because i didn't have internet on my base
Consumer complaint received 2023-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC (FL)

Hello, My name is : XXXX XXXX XXXX I was a victim of a crime in Florida. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because I was a victim of a crime, the state of Florida paid all my medical bills. This bill is for the ambulance that took me to the hospital. The original debtors ( GLOBAL MEDICAL RESPONSE ) were paid but didn't mark it as paid. Then 7 years later I just got contacted by ( XXXX XXXX XXXX ) saying I owe a collection account of {$460.00}, that past is due as of XX/XX/XXXX. They have already marked my credit derogatory. I never once in 7 years was contacted by the original debtors saying I owed any money. The judge and police officer in the case said all the bills were taken care of and paid for. I believe this was a filling error. According to the state of Florida, they received the money and probably didn't mark it as paid, then sold it over to a new debtor 7 years later in a mass sale of debt clients. I know this to be true because my medical bills exceeded {$18000.00} and everyone else got paid. This was for an ambulance service and was the very first bill I submitted to the state. According to Florida law I and not liable for any medical bills in my scenario since I was a victim of a crime that they prosecuted. 

In accordance with the Fair Credit Reporting Act XXXX ACCOUNT # XXXX, PHOENIX FINANCIAL SERVICE has violated my rights. 

15 U.S.C 1681 section 602A. 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
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OR)

On XX/XX/2023, I submitted a payment to Navient to be processed on XX/XX/2023. On XX/XX/2023, I received a receipt from Navient that stated the following : " XXXX, I'd be more than happy to assist you regarding payments received for your student loan account. 
Payments in the amounts of {$210.00} and {$360.00} were received XX/XX/2023 and both were applied to loan XXXX. 
Best Regards, XXXX, Loan Servicing Specialist Your loan servicer Your loans are serviced by Navient Solutions , LLC ( NMLS # XXXX ). 
ref : XXXX : ref '' I spoke with Navient today and they claim that these payments were actually not applied. When they asked me to verify my identity, I gave them my current address which they claim to not have as my current address. They claim their records show an address where I lived XXXX  years ago despite me having received mail from them at my current address as recently as XX/XX/2023.
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (FL)

From XX/XX/2022 until now I've gotten emails from Experian saying they were'nt going to investigate or that my information was updated as verified. How can it be updated as verified if there was never an investigation?
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

Ensuring punctuality in my payments is a priority. However, what perplexes me is the occasional reporting of late payments by this company, contrary to my records. As per USC 1666b, rectifying billing errors promptly and reflecting payments accurately is mandatory.
Consumer complaint received 2024-05-04
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. (PR)

Hello, my name is XXXX XXXX XXXX. I am writing to have the following information that appears in my credit report removed. The items I need to remove are listed in the report below. I am a victim of XXXX XXXX and did not make the unrecognized charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I urgently request that the following items listed be removed as soon as possible.
Consumer complaint received 2024-05-04
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. (TX)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.