davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc. ()

After restoring my digital wallet which stored cryptocurrencies on XX/XX/24 Blockchain.com removed my 'Know Your Customer ' ( KYR ) verification details. I instantly re-submitted my details ( passport photo etc ) for verification. The company indicated it was dealing with the request and the process would be quick. 

That was back in XXXX. Despite at least XXXX help desk and email requests my verification status is unchanged. 

Because I'm not verified I have no access to my cryptocurrency held by Blockchain.com. This means Blockchain is holding my assets against my wishes. 

I sent a recorded delivery letter to them dated XX/XX/24 stating my concerns and asking for reassurance that the company was still legitimate. I received no response. 

It is my belief that the company has gone rogue but continues to trade and accept people 's money in exchange for crypto assets. 

I should note that BlockchainXXXX  has lost its XXXX XXXX XXXX XXXX XXXX ( XXXX ) approval.
Consumer complaint received 2020-05-15
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. (FL)

I have a XXXX account being reported to my Experian credit file Ive contacted XXXX and Experian for months now Im still have not resolved my the problem. Ive provided to them supporting documents including a police report and the identity theft affidavit from the FTC showing proof Ive been a victim of Identity theft and that this account does not belong to me and they have refused to remove this account. I have contacted them via phone, email, mail and reported this fraudulently opened account and they just keep giving me different excuses each time of why they do not remove it! I do not know what else to do.
Consumer complaint received 2022-08-13
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: SUNRISE CREDIT SERVICES, INC (PA)

Sunrise credit services has placed an account on my report which does not belong to me. They have no documentation of me with an XXXX account. Instead the want Me to pay a settlement. I have disputed the with XXXX which has had no help. Im seeking help to ATLeast have sunrise send me some documents proving this is my account. Which I know it is not.
Consumer complaint received 2020-05-15
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. (MO)

What happened is someone obviously misused my personal information and it has haunted my credit file and emotionally drained me. I used to trust the credit agencies but their just as much to blame as the perpetrator themselves. Never once has the credit reporting agencies provided me with any documentation that I requested in regards to these accounts. I hope this issue can be resolved without any further actions, your cooperation is appreciated. I'm demanding these accounts be removed. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

I received XXXX late payments for XXXX, XXXX! However i never received a statement nor bill 21 days prior to the due date per 15 USC 1666B! I Contacted Victoria Secret numerous times and finally got the to update my address they stated everytime that they were having issues with my account and on the XXXX time i finally got someone to uodate the address! This was totally unfair and inaccurate because i also had automatic bill set up the entire time i had my account with them! please help me because they are ruining my chance at getting my first home! THANK YOU Very Much for your help
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CO)

I have the Experian app, and I keep getting emails saying get your free credit report, and EVERYTIME I try to log in and ask for it the app says that I need to log in and EVERYTIME I do it repeats this process. I also called Experian about this and also their automated phone is faulty too. And I cant get a hold of a person either. All I want is my free credit report, is that hard to ask?
Consumer complaint received 2016-12-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (CA)

I am a XXXX, and my crediti card was used by a former employee to pay his own bills. I have been fighting with XXXX XXXX XXXX since XX/XX/2016 about this. I have filed a Friendly Fraud Report with my local Police Dept. The CC Company will do nothing about it, even after providing them with numerous copies of paperwork.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

Tonight, my daughter called XXXX for a car loan with me as the co-signer. I have my credit frozen and didn't get word that this was being checked while I was at work. Experian called the incorrect number to reach me and called XXXX back and told them that they could not reach me to unfreeze the report so the whole application was chucked, and, must, 2 hours later, be redone and submitted. The thing that angers me the most is that Experian 's phone and " contact us '' is specially designed to avoid ALL contact or to hear from people on anything about which they do not wish to communicate. The automated phone system allowed two options. If your concern did not fit this, the call was disconnected. The email system is the same. There was NO means of contact for my issues. If you are not a " member '' ( why do I NEED to be a member of a credit monitoring bureau? ) there is no way to ask why I was not contacted on my cell or to express my frustration with their customer service experience. Given the extraordinarily important business in which Experian is engaged, and how much control they have over people 's lives, they need to be required to engage with those who's personal business and financial matters they control. There is a naturally adversarial posture here since consumers do not do business with them or purchase services from them. They don't " need me. '' Where is the protection in " consumer protection ''?
Consumer complaint received 2024-05-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C. (VA)

I would like to file a complaint against Wilber & Associates.

I was in a car accident on XX/XX/year>, where an XXXX XXXX Police Officer determined it to be a No-Fault accident and I worked with my insurance company to cover the cost of repairing my car. Approximately XXXX weeks later on XX/XX/year>, I was first contacted by Wilber & Associates informing me that they were attempting to collect a debt I owed to XXXX XXXX, the insurance company of the individual who I had the accident with. They alleged at the time of the accident, which they provided as XX/XX/year>, my auto insurance had lapsed and so they were expecting me to pay them approximately {$5400.00} without providing any proof of this debt.

I have my home and automobile insurance bundled in an active account, so their accusation was false. I verified with the XXXX XXXX police that this accident was indeed reported as a No-Fault accident and the other individual 's insurance company would have no reason to contact me or my insurance company. I was also in contact with my insurance adjuster, who did not receive any requests or was even contacted by XXXX XXXX. The adjuster also remarked that a XXXX turnaround for a reimbursement request was not standard. 

The CFPB outlines a debt collector scam as falsely claiming that they are an attorney which the Wilber & Associates representative did by claiming that they are a " law group ''. They never offered any information as to how to dispute the alleged debt and they contacted me every XXXX to XXXX days and even left messages for me at a family member 's home, where I do not reside. They also contacted me after they signed a return receipt to my letter requesting that they stop contacting me and to send me the evidence they had about this alleged debt via USPS. It has been almost XXXX months since the last contact and I never received any evidence of any debt, which strengthens my belief that this was a scam.

Researching Wilber & Associates, you can find many reports filed against them about predatory scamming for alleged debts incurred for a variety of reasons as the result of a car accident. Due to some implications on online reports, I believe that Wilber & Associates purchases accident report information from XXXX XXXX. In its U.S. Consumer Privacy Notice, XXXX XXXX outlines that personal information is sold to debt collectors but does not say that the information is allowed to be used fraudulently. I recently requested and received my XXXX XXXX Consumer Disclosure Report, and it provides the information of my accident and the cost of the repairs which was similar to their allegation of what I owed, but the report was also clear that it was a No-Fault accident.

Wilber & Associates seem to rely on intimidation and hope that people will not do their due diligence and know their rights under the Fair Debt Collection Practices Act.
Consumer complaint received 2022-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

This company has reported inaccurate information on my credit report. They bought my information from another company and they are trying to collect a debt they can't. I never had a contract with this company. They have also broken the law! 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and ability to obtain credit for personal and house purposes 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-04
Product: Checking or savings account — 
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

XX/XX/XXXX of XXXX I've contacted CitiBank regarding an old account that I had no knowledge of it and now showing on my credit report and drop my credit score by 68 points during the process of getting a mortgage loan. Since there is an urgency I just wanted to pay it off/ settled, so they directed me to XXXX XXXX XXXX XXXX who was handling the account for CitiBank . 

The Balance was {$2300.00} and they agreed on accepting {$1500.00} as settlement in full if paid on that day XX/XX/2020. Attached is the settlement letter they emailed me and how to make the payment and that once paid they will let CitiBank know so that they can report to all credit bureau as paid. I made the payment of {$1500.00} the same day ( Confirmation screenshot attached ) as agreed. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX ( Attached letter ) thanking for accepting the settlement of {$1500.00} in full however it was still showing a balance of {$830.00} which was the difference from the total balance. This should had said {$0.00}. 

On XX/XX/2020 CitiBank reported the balance to XXXX as {$830.00} instead of paid in full. This is NOT what was agreed upon and have all the proof. As a result our mortgage approval is on hold until this gets cleared up as paid on all 3 credit bureaus.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 contacted Transunion to garner a understanding of the drastic decrease in my credit score over of XXXX points in a 1 month time-frame with NO actual changes to my report. Meaning there was no increase in debt, credit usage, outstanding payments etc. The company was unable to give me a verifiable or certain answer for the change.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2022-08-13
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. (GA)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. 1 never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AR)

On XX/XX/XXXX at XXXXXXXX XXXX I saw a post for XXXX XXXX for sale. I asked how much and if she would take XXXX. She said yes and paypal by email XXXX. it came up as XXXX. She said that's her husband. I told her I couldn't get in and that chime was easier but I'm negative XXXX so she said she would take XXXX. I sent XXXX to XXXX XXXXXXXX XXXX On XX/XX/XXXX she said she needed XXXX for shipping I said I had XXXX. She said send to XXXX. I said why different. She said cause it was hers and she was at XXXX. So by chime I sent XXXX to that email. She said everything was good and in one big box and sent. Her XXXX  profile and XXXX was still active through XX/XX/24 then unavailable and removed due to not meeting community standards. I then knew it was a scam. She wasn't reported and still communicating for a few days so figured she was legit. I called chime and they denied my XXXX and XXXX.
Consumer complaint received 2020-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (GA)

On XX/XX/2020, I received a written document from XX/XX/XXXX about a debt that, I do not owe and the letter falsely stated that the amount that, The amount that is owed to them is XXXX ( Dollars )., and that a company called XXXX, Is the original creditor. I have never heard of XXXX. This company is in violation of CFPB laws and should be reported to the Federal Trade Commission for failure to inform me on their document about my rights to dispute their false claims.
Consumer complaint received 2024-05-09
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (AR)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of grave concern regarding fraudulent practices at the XXXX XXXXXXXX XXXX XXXXXXXX, particularly concerning student loans. As an agency dedicated to protecting consumers from financial exploitation and ensuring fair treatment in the financial marketplace, I trust that you will investigate this issue with the utmost urgency and diligence. 

The XXXX XXXX XXXX XXXX has been engaging in deceptive practices that have directly impacted numerous students and their financial well-being. Specifically, the institute has been implicated in fraudulent activities related to student loans, including but not limited to : 1. Misrepresentation of Loan Terms : Many students have reported that the XXXX XXXX XXXX XXXX misled them about the terms and conditions of their student loans. This includes false promises regarding interest rates, repayment options, and eligibility for loan forgiveness programs. 
2. Falsification of XXXX and XXXX Records : There is evidence to suggest that the institute has falsified enrollment and attendance records to fraudulently obtain federal student aid on behalf of students who may not have been actively attending classes or who were enrolled in programs that did not meet federal eligibility criteria. 
XXXX. Failure to Provide Adequate Educational Services : Despite charging exorbitant tuition fees, the XXXX XXXX XXXX XXXX has failed to deliver quality educational services to its students, leaving many graduates with substantial debt and inadequate skills to secure gainful employment in their chosen fields.

4. Predatory Lending Practices : The institute has been accused of engaging in predatory lending practices, targeting vulnerable students with high-pressure sales tactics to encourage them to take out loans without fully understanding the financial implications. 

These fraudulent practices have had devastating consequences for students who trusted the XXXX XXXXXXXX XXXX XXXXXXXX to provide them with a quality education and support their career aspirations. Many graduates are now burdened with crippling debt and struggling to repay loans for degrees that have not yielded the promised benefits. 

I urge the Consumer Financial Protection Bureau to launch a thorough investigation into the XXXX XXXX XXXX XXXX 's student loan practices and take decisive action to hold the institution accountable for its misconduct. Additionally, I request that measures be taken to provide relief and assistance to affected students, including loan forgiveness and restitution for damages incurred. 

Thank you for your attention to this matter. I remain hopeful that the Consumer Financial Protection Bureau will take swift and decisive action to protect the rights and interests of students who have been victimized by fraudulent practices in the higher education sector.
Consumer complaint received 2024-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

Student loan repayments started back up in XXXX. I received no notification that the debit amount would change from {$100.00} to {$410.00} a month. Moreover, the statements that Ive received for the last XXXX months do not support the amount being debited. The statements indicate {$200.00} as current amount due and no late payments are noted. The statement also notes an auto debit of {$410.00} which does not align to anything amount on statement. 
Ive called about this and they can not offer an explanation for the discrepancy. I spoke with XXXX on XX/XX/20 requesting my complaint be escalated to their complaint office.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2016-05-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I was supposed to receive an escrow check from this company. I sold my house on XX/XX/XXXX. XX/XX/XXXX and I still had not seen a check. I called them on XX/XX/XXXX and they told me it was mailed out on XX/XX/XXXX. I have received all kinds of mail form them but no check. On the XXXX a gentleman told me that he would stop payment on the old check and have them issue a new check, to wait 5 days. If I did not see a check by Saturday XX/XX/XXXX then to call back. I called back on XX/XX/XXXX and the lady told me that the gentleman had mad a mistake and put the check back in escrow! After a long conversation with her she said that her supervisor agreed to have the check sent next day air to my address. She also said to call back on XX/XX/XXXX and they would have a tracking number. I called back on XX/XX/XXXX and the new lady said the check was still in process of being issued and that it would take about 2 weeks for me receive this check. I settle on my new house on XX/XX/XXXX and this is money I was going to use for the down payment! Now I may lose the new house and all they can do is say sorry for the inconvenience. They flat out lied to me from the 1st phone call, I asked to speak to a supervisor and they kept transferring me to different departments. This company dose not know the 1st thing about customer service!