davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
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. (IL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX Balance : {$600.00}.
Consumer complaint received 2021-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

HI. I am submitting a follow-up request to have PayPal review my account further. The previous case that was submitted stated they were unable to release funds due to me receiving unemployment in XXXX  and XXXX. I have a rental property in XXXX  which allowed me to qualify for unemployment in XXXX. Due to COVID-19. I was unable to rent out the rental property on XXXX  as before. As far as XXXX, I am a previous resident and ran an event planning business nationwide, with most of my business being in XXXX. I am XXXX XXXX and have only lived in XXXX  for a short time with close family due to the situation. My business is still based out of XXXX. I have submitted proof of my XXXX  residency by uploading my XXXX  ID card. In parenthesis is a link to my XXXX page which also shows proof of my event planning business which is in XXXX. ( XXXX XXXX XXXXXXXX ) I also uploaded a screenshot below of the XXXX  property that I rent in Arizona which qualified me for unemployment in XXXX. I have never been a resident of XXXX  but in fact a property owner. Both XXXX  and XXXX  have been reported on my end to know that I am receiving unemployment from both states. I was stuck in the backdate process from XXXX  since the beginning of the pandemic and finally was released in early XX/XX/XXXXwhich caused a bunch of payments to come into my PayPal account at such a rapid pace.. The payments from XXXX  were paid accurately on dates that were not paid for XXXX. I was eligible to receive payments from both states per the unemployment guidelines as long as I reported each state. I hope this detailed information provided is enough to have my funds released as I have not committed any violation and have provided the necessary information to have them released. I am willing to provide any additional information upon request from my lawyer which I have listed their information below. Thank you for the additional review and I hope this is enough information to prove that this was a mistake. 



XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-07-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BBVA FINANCIAL CORPORATION (WA)

I opened a 1 year CD with BBVA and received my notice that my account was expiring. The notice gave me two options : 1 ) Do nothing and the account would auto renew. 2 ) check the box and have the account renew. There was no option to receive my money. I called the bank and they said I had to send a letter. I followed their directions exactly and never received my money. The account rolled over to a new CD. I checked on line and this bank receives very bad ratings for this exact issue. I have never experienced such a runaround with any bank I have dealt with. I left my money in the account for 1 year as we agreed. I should be able to get my money as I requested via phone and via the letter I sent via US mail. The amount of my initial deposit was {$26000.00}. My account value is now {$26000.00}. My CD expired on XX/XX/2020. I called and sent the letter approximately 3 weeks before expiration.
Consumer complaint received 2020-11-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XXXX, as well as a follow-up letter, dated XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. I also sent a third letter. XXXX. For the record, the following information is being erroneously included on my credit report, as I have advised you on three separate occasions, more than 75 days and again 40 days ago. I feel like I am being ignored! This really is upsetting. I have been having a hard time getting the things that I need simply because my credit is horrible.I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-12
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)

I need the help of the FTC and CFPB with resolving vague and misleading investigations carried out by TransUnion. I've sent them various challenge letter over the last 120 days some of the most recent which I've included below. TransUnion has several times taken more than 30 days to conduct their investigations as permitted in the FCRA. Also, they have repeatedly failed to mark several of these accounts as being under dispute when they received my dispute letters and lastly TransUnion has completely failed to fix countless errors associated with these accounts as outlined in my past challenge letter attached below. I'll be filing my next consumer complaint with the FTC against these erroneous creditors listed on my credit report and against TransUnion to enable them investigate these inaccurate accounts and ensure their deletions.
Consumer complaint received 2021-05-20
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. (NJ)

XXXX XXXXXXXX XXXX XXXXXXXX is reporting two duplicate accounts to Equifax, XXXX, and XXXX. Both accounts are in chargeoff status. It is the SAME account reporting twice to ALL THREE bureaus, impacting my credit score in extremely injurious ways as my home purchasing process was stalled as a result of the erroneous entries.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
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. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the EXPERIAN and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX Balance : {$29000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I opened a venmo account for my son to be able to receive a XXXX gift on XX/XX/2022. From the start i was having problems adding a bank account. I kept getting error messages and my account was frozen by venmo. I have contacted them several times by email since XX/XX/XXXX asking if i can just send the money back to the sender and they would not provide any assistance with that. They have emailed me requesting to upload an ID and bank statement which i did. I then followed their instructions to attempt to link my bank account and still i was not able to. I have tried doing that so many times and i was still not able to access the funds. I tried adding a bank card and sending the funds back to the sender and i have gotten nothing but error messages. There was nothing i could do on it. Still today on XX/XX/XXXX this is unresolved. This is so frustrating and i am really tired going back and forth with venmo 's account specialist on email with no help from them. I just want the funds returned to the sender and close the account.
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

HSBC BANK has mishandled our credit and issued credit cards we did NOT request .... we moved to the US in 2017 and transferred our accounts to HSBC US. We have written to HSBC to the address reported on the credit and letters came back UNDELIVERABLE ... SEE EVIDENCE OF F.C.R.A. VIOLATION ... THIS IS F.C.R.A. VIOLATION NOT TO MENTION F.D.C.P.A. VIOLATION.
Consumer complaint received 2022-01-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX has been reporting this charge off/Repossession on my Credit report since XX/XX/XXXX. I have sent XXXX several letters for verification of Debt. Last one sent on XX/XX/XXXX. The response I received stated there is no account found with the information given or my account has been found Frivolous. 

XXXX has Re-Aged this account, XXXX states this Account was opened on XX/XX/XXXX XXXX states this Account was Charged off on XX/XX/XXXX, Payment history reported by XXXX to XXXX XXXX as of XX/XX/XXXX XXXX reported Charge Off as of XX/XX/XXXX to XXXX XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX, XX/XX/XXXX Last payment date : XX/XX/XXXX. XXXX has deleted since deleted XXXX from my credit file. 

Payment history reported by XXXX to Transunion XXXX states this Account was opened on XX/XX/XXXX Last activity : XX/XX/XXXX Dated Reported XX/XX/XXXX Last Payment XX/XX/XXXX High Balance {$23000.00} Payment history reported by XXXX to XXXX XXXX states this Account was opened on XX/XX/XXXX Last activity : None Dated Reported XX/XX/XXXX Last Payment XX/XX/XXXX High Balance {$7000.00} XXXX has continued to re-Age this account and report Major Inaccuracies. I am requesting that this account be deleted from my credit profile.
Consumer complaint received 2021-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (MI)

I received emails from Coinbase informing me that twice the amount of money I had authorized for them to withdraw from my checkings account had actually been withdrawn. I contacted them for a detailed report of the withdrawal and a receipt and did not receive anything. They then automatically flagged my account and locked it. I changed my password for security purposes but was still not able to log into my account to access my assets. 

The following are dates in which I contacted Coinbase support : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX I received canned responses from support on XX/XX/XXXX, XX/XX/XXXX, and XXXX that did not answer any of my questions or address the issue. 

My account has been locked for over a month with no status update. 

Many others have been experiencing the same issue and their customer support is nonexistent.
Consumer complaint received 2022-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NV)

paypal closed my business account for no reason and will not help me with getting it back up and going, I am not sure if this is some mistake as i assume it has to be. I have not been able to get help from them for months. They held XXXX money from my small business! Paypal has not been doing their job properly and it is effecting me and my small business, the email linked to my paypal business is XXXX XXXX
Consumer complaint received 2023-06-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (FL)

Hi CFPB! 
I extended my credit to Wells Fargo on XX/XX/2021. I requested a line of credit for my small business The XXXX, XXXX in an effort to help me get through XXXX. I was denied the extension of my credit for which I've learned is a violation of the EQUAL CREDIT OPPORTUNITY ACT. I know that I exercised my right to credit in good faith to the bank but I was made to feel discouraged because, according to the banks agent, my credit score was only XXXX. I now know that the XXXX score has nothing to do with my right to access my credit. I was discriminated against by this bank and I have read how WELLS FARGO has had to pay BILLIONS of dollars in fines for the mistreatment of millions of consumers including me.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX  Accounts, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX. 
# XXXX, XXXX XXXX XXXX. 
# XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 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 a account with out my written instructions.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX  Accounts, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX. 
# XXXX, XXXX XXXX XXXX. 
# XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 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 a account with out my written instructions.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me XXXX XXXX, this is called defamation of character. I can't get a job. I can't apply for credit. I can't even get a sba loan or anything like that due to the pandemic under this crisis you have hurt my ability to obtain credit. I want all negative items removed or deleted from my credit report because you are in direct violation of the FCRA.
Consumer complaint received 2023-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

This account is not mine. I have never had an account with XXXX. I have had two seperate accounts that were not mine placed into collections with XXXX XXXX. The last one was for {$1300.00} and this one is for {$1300.00}. I am the victim of identity theft and I am not taking responsibility for these accounts. I have XXXX as my carrier. I have never been nor do I ever plan on becoming a customer with XXXX. Please find the people responsible for creating theze fraudulent accounts.My current phone number is ( XXXX ) XXXX. I may be reached here at anytime. Please update accordingly.
Consumer complaint received 2022-01-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

Consumer Protection Financial Bureau From : XXXX XXXX Hello, my name is XXXX XXXX a New Jersey Resident. About a month ago, I met a girl on what app and we developed a friendship. After time she told me she invests and encouraged me to invest in cryptocurrency. First, I had to get both the coinbase app and the coinbase wallet app. I then was influenced to wire XXXX dollars and trade with her guidance .Unexpectedly we made a profit and I was now caught up. Next I invested via coinbase wallet trading XXXX XXXX more ( XXXX ). Profit again, so thus with no caution invested another XXXX thinking it was safe. ( XX/XX/21 ) Again, I traded with her and I made more profit. 
The bank associated with coinbase is : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX CA XXXXThe scammer contacts me every day and evening and we go over trades and have small talk. I had mentioned early on that I needed at least my principle by the first week and XXXX and she agreed to it. Well, last night we tried to withdraw funds but I was informed I have to pay an exchange tax of XXXX in order for coinbase wallet to let me withdraw funds. I was told to wire the XXXX to coinbase first, and once the tax is paid I can retrieve the funds of XXXX dollars. 
At this point, I dont have the XXXX to retrieve the funds, and if I could get a loan, not sure if I want to send another dime, since everyone I talk to thins this is a scam. And I keep her thinking I have more money so I can maintain contact if anyone really can trace/locate the source.This has been going on since XX/XX/XXXX and my last contact was today.Rigth now, XXXX  ( fake or mirror site ) is holding my funds threatening to freeze them for one to three years/ https : www.coinegg.vip ( this is the website ) XXXX XXXX is her numbers ( if real ) NOW CHANGED TO XXXX and XXXX XXXX XXXX XXXX Please assist. This is an illegal scam, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX I HAVE CONTACTED FBI, SEC, LOCAL POLICE, AARP AND OTHERS. 
I am still in daily contact with the scammer daily and she tries to get me to pay the takes or else.
Consumer complaint received 2020-05-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Scheer, Green & Burke L.P.A. (OH)

I was transported and admitted into XXXX XXXX hospital by helicopter after I as a result of being in an auto accident in 2017. I had insurance though XXXX XXXX that covered my stay at the hospital and all bills included in the stay. I was taken downstairs to discuss the bill at the hospital. At the time I was released and discharged from XXXX XXXX Hospital shorty after I received a finale bill for my services as I have included this bill as Plaintiffs Exhibits A. As per the bill the balance on the account was {$5000.00} at which I had a check in the amount of {$5000.00} sent to XXXX XXXX at which would of just left a balance of {$31.00} on the account. As you can see the bill was adjusted or negotiated by XXXX XXXX that allowed some adjustments or write downs so that XXXX XXXX would pay the bill. XXXX XXXX then sent me a bill showing the balance owed at which I had the funds appropriated and sent to pay the remaining balance of {$5000.00} paid in full. 
I DISPUTE THIS BILL AND DO NOT OWE THE BALANCE. I WANT ALL COPIES OF ALL THE PAYMENTS MADE TO XXXX XXXX XXXX XXXX XXXX XXXX IN CONNECTION TO THIS BILL THEY STATE THAT I OWE.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

On XX/XX/year>, Victim was not availed the opportunity to submit an online dispute via the Companies listed Dispute resolution center. There is not now, nor has ever been an effective dispute resolution process at Experian. In order ton file a dispute, a victim must pay a {$26.00} fee to be eligible to file a dispute. XXXX. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] I, ( hereinafter referred to as Victim ( See 142 ( b ) ( 7 ) Victim of Trafficking ) Do hereby attest that I am a victim of trafficking for purposes of section 605C of the Fair Credit Reporting Act.Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ), and shall be subject to enforcement by the Federal Trade Commission under section 5 ( b ) of that Act with respect to any consumer reporting agency or person that is subject to enforcement by the Federal Trade Commission pursuant to this subsection, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission XXXX. The Federal Trade Com- mission shall have such procedural, investigative, and enforcement powers, including the power to issue procedural rules in enforcing compliance with the requirements imposed under this title and to require the filing of reports, the production of documents, and the appearance of witnesses, as though the applicable terms and conditions of the Federal Trade Commission Act were part of this title. Any person violating any of the provisions of this title shall be subject to the penalties and entitled to the privileges and immunities provided in the Federal Trade Commission XXXX as though the applicable terms and provisions of such XXXX are part of this title. State governmental entity. The Bureau proposed treating documentation of a determination that a consumer is a victim of trafficking by a State governmental entity as including documentation created at either the State or local level. The Bureau noted that local law enforcement, as part of a local government, may have documentation of a determination identifying victims of trafficking, including, but not limited to, items in a police report.