davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc. ()

I have over XXXXXXXX XXXX in my Blockchain.com crypto exchange account. The amount was withdrawn by me to my bank account, yet the withdrawal has been sitting in limbo - " pending '' as displayed in their system. I have also been de-verified and requested to complete verification once again. 

I have been a customer for a few years and was XXXX verified to the last level ( most thorough XXXX verification available ). 

I have requested the XXXX withdrawal to be allowed to be sent to my bank account, but got nothing but excuses such as " the team will get back to you, I am sorry '' etc. 

As of now, I can not even log in to the account, because they won't send me the verification E-mail. I tried logging in just now and a few weeks ago as well, so it's not a temporary issue nor does my E-mail client experience problems whatsoever. 

There are dozens of similar situations such as mine posted on XXXX. I want my money back, these guys are selectively scamming people. I hope they go bankrupt and their CEO losses all his money to someone selectively scamming him as well. 

Thank you, would really appreciate your help.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CBC Companies, Inc. (DE)

XXXX HAS NEGLECTED NUMEROUS OF TIMES TO REMOVE NUMEROUS OF INQUIRES THAT DO NOT BELONG TO ME. I HAVE CALLED NUMEROUS OF TIMES AND WHEN I FINALLY MADE IT THROUGH TO SPEAK WITH SOMEONE I WAS HUNG UP ON. I AM WELL AWARE THAT IT IS XXXX JOB IS TO REPORT 100 % ACCURATE INFORMATION WHICH THEY ARE NOT. I AM ALSO WARE THAT MY RIGHTS UNDER THE XXXX ARE BEING VIOLATED WITH THESE INQUIRES. I HAVE FILED A FTC REPORT AND NEXT I WLL SEEK REMEDY THROUGH COURT.
Consumer complaint received 2021-11-28
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: CAPITAL ONE FINANCIAL CORPORATION (WV)

2 credit accounts were opened in my name with the credit limit of {$500.00}. My credit accounts were supposed to be frozen and I was in the midst of a bankruptcy when these accounts were opened. I did not open these. 
I spoke with a representative at XXXX XXXX XXXX and reported this as fraud and they assured me this would be taken care of. I have yet to speak with Capital One. I just noticed this fraud today and will be speaking with someone after I file this report.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Theres an account on my file that needs to be removed the company is aware but they are needing this attached that is to this complaint to fix the issue there system is not working so they can not removed the file
Consumer complaint received 2022-08-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Experian Information Solutions Inc. (NC)

I have been on deferment since I have obtained my student loans. My loans were never late because I am on deferment. 

The loans have been reported incorrectly for the following accounts : XXXX XXXX XXXX # XXXX U S DEPT OF ED/XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-13
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Formal Complaint Against RentDebt Automated Collections LLC Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against RentDebt Automated Collections LLC regarding their improper debt collection practices, which I believe violate my rights under federal consumer protection laws.

RentDebt Automated Collections LLC has been attempting to collect a debt from me in the amount of {$570.00}, which was reported as opened on XX/XX/XXXX. I want to clarify that I do not owe any debt to this agency. I have never entered into any agreement with RentDebt Automated Collections LLC, nor do I have any outstanding obligation to them. 

Despite my clear assertion of non-recognition of this debt, RentDebt Automated Collections LLC continues to harass me with frequent phone calls demanding payment for an unsubstantiated debt. They have failed to provide me with any validation information, as required under 12 CFR 106.3.4 ( b ) ( 5 ), to verify the alleged debt 's legitimacy.

Furthermore, RentDebt Automated Collections LLC has unjustly reported this disputed debt to consumer reporting agencies without granting me the opportunity to dispute the account, as outlined by 12 CFR 106.3.4 ( c ) ( 4 ) ( i ). This action directly violates my rights under consumer protection laws.

RentDebt Automated Collections LLC 's conduct is not only improper but also deceptive and misleading. By furnishing this disputed account to consumer reporting agencies without proper disclosure, RentDebt Automated Collections LLC is in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ).

In addition to investigating the above violations, I am requesting the following information from RentDebt Automated Collections LLC : The purchase agreement or contract between RentDebt Automated Collections LLC and the original creditor, Cedar Forest Apartments, establishing RentDebt Automated Collections LLC 's authority to collect on this alleged debt.

Proof that RentDebt Automated Collections LLC is properly licensed and bonded to operate as a debt collector in accordance with applicable state and federal regulations.

I request that the Consumer Financial Protection Bureau investigate these violations and also request the disclosure of the above information from RentDebt Automated Collections LLC. Enclosed Please let me know if you require any additional information to proceed with the investigation. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (MD)

LVNV continues to report inaccurate information. I was not notified prior to credit agency reporting by LVNV. The information being reported has inaccurate Dates, and inconsistencies across reporting agencies. I have attached proof of inaccuracies based on my XXXX credit report.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (LA)

" In accordance with Section 605 of the Fair Credit Reporting Act ( FCRA ), I hereby dispute the inclusion of student loans on my credit report that are over 7 years old. FCRA mandates the accuracy and fairness of information reported by consumer reporting agencies. As per FCRA regulations, outdated information such as these loans should be promptly removed from my credit report. I request a thorough investigation into this matter and the timely removal of the inaccurate information to ensure compliance with FCRA guidelines. ''
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I had a XXXX XXXX XXXX XXXXXXXX credit card. The credit card was closed for return payments in XXXX ( 2023 ). None of the returned payments left the account at any time past due or delinquent. I always made several payments that exceeded the minimum amount due each month. Last week I paid the minimum payment amount of {$30.00} and learned this week that the account has been charged off and determined uncollectible debt. This is preposterous because I have never had a late or missing payment since the account was opened. The bank has reported the derogatory fraudulently to the credit bureaus and my resulting scores have plummeted. The bank is cognizant that my account did not qualify to be charged off and classified as uncollectible debt.
Consumer complaint received 2022-08-14
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. (NC)

I have no knowledge of the following accounts : XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX These accounts were created without my knowledge. I tried to even pay on them to save my credit but was advised to stop per my lawyer. 

I couldnt save the fraud report but the reference number is XXXX Please remove the accounts.
Consumer complaint received 2020-07-05
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. (GA)

XXXX, Equifax, XXXX and XXXX are in violation of the Fair Credit Reporting Act. They all continue to report my student loans in deferment and continue to report the incorrect payment history despite me submitting proof multiple times for months .The Credit Bureaus are also in violation of providing verification method. Even with my proof that I am not in deferment and despite the Cares Act Law they continue to report in deferment.
Consumer complaint received 2024-05-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IN)

The American Express gift card was given to me as a gift on XX/XX/XXXX. I attempted to use it the next day, XX/XX/XXXX, online at an online apparel store, but the card was declined. The card 's transaction description says the card was declined due to " Missing Security Code, '' despite the fact I entered the correct security code. Additionally, my card was charged a {$0.00} fee for each declined attempt. I attempted to use it the next day, XX/XX/XXXX, only to incur an additional {$0.00} of fees on declined charges. The next day, XX/XX/XXXX, angered and frustrated, I attempted to use it with a different store, only to be declined twice, but have the transaction go through on the third try. I did not change card or shipping information, but the card apparently magically worked one time. Encouraged by this, I then returned to the initial apparel vendor, only to have the card once again declined. I then called the American Express gift card helpline only to be met by a man with XXXX phone connection so I could not understand most of what he said to me. However, when I asked him whether this was a merchant issue or an American Express issue, the man clearly replied, " There is no issue, the card just can not be used with this vendor. ''
Consumer complaint received 2022-08-14
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. (CA)

XX/XX/XXXX DISPUTE RECEIVED BY EXPERIAN XX/XX/XXXX EXPERIAN CLOSED DISPUTE STATING RESULTS REMAIN XX/XX/XXXX SPOKE WITH EXPERIAN THREE TIME XXXX, XXXX, XXXX CALL WAS DROPPED TWICE. REPRESENTATIVE INSTRUCTED ME TO UPLOAD MY DOCUMENTS BECAUSE THEY DIDN'T RECEIVE MY ATTACHMENTS, WHICH IS FALSE BECAUSE MY DOCUMENTS WERE STAPLED TO MY DISPUTE. 

XX/XX/XXXX I UPLOAD MY DOCUMENTS A SECOND TIME XX/XX/XXXX EXPERIAN CLAIMS THE INFORMATION SHOULD REMAIN
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

This is a follow up to the complaint XXXX The letter advised I would get XXXX points on rewards with shop through Chase, however I only got the XXXX points associated with XXXX sign up, I DID NOT get the XXXX with my XXXX  XXXX  purchase i made through shop through chase. 

I am sure the rep that called me mixed up, I am due XXXX XXXX points, ( the XXXX associated with XXXX ), I did not get the XXXX associated with XXXX XXXX 

Can you rectify the mistake?
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These public records were not reported to the Credit Bureaus as stated in the attached letters from the Federal Courts that housed the case ( s ) in question. 
XXXX US BKPT CT XXXXXXXX XXXX I have sent NUMEROUS letters to the bureaus requesting their removal with provided documentation. 

Their refusal to remove with the evidence provided proves they are intentionally preventing me from having an accurate credit report. 
I request that this information be blocked and removed immediately.
Consumer complaint received 2016-11-15
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica (FL)

I receive XXXX for my son on the XXXX. On XX/XX/XXXX I went to the atm to take out money. The machine said I was exceeding my balance so I checked online. Noticed that someone in XXXX had withdrew XXXX $ from my card. I had my card the entire time. So I contacted direct express immediately. Filed the claim for fraudulent transactions. They told me I needed to write a letter or wait for their paperwork and send it back. I decided not to wait and sent out my letter on the XX/XX/XXXX which the confirmed they received on the XXXX. To this day of the XXXX I have yet to receive their paperwork. I call them everyday and all they tell me is I have to wait for them to complete the investigation which will take 45-90 days to receive credit. I am being evicted from my home as this is my only income. I have done everything they have asked and no credit. They also charged me for a new card which is n't fair since I have my old one and charged me shipping.
Consumer complaint received 2020-11-17
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: ID Analytics, Inc. (GA)

on XX/XX/20 I was checking my credit for accuracy when i realize that there were accounts in my credit that didn't belong to me .these accounts are fraudulent I did not authorized these accounts, they should be removed from my credit.
Consumer complaint received 2017-01-17
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (FL)

I have made several calls to Wells Fargo to inquire about their FHA mortgage loan requirements explaining each time I called that I had a bankruptcy in 2011 and a shortsale 2 years ago in XXXX. I was told that their requirements were that two years needed to pass for approval. After I filled out the online application including all my personal and financial information the same person that had told me about the two years called me to tell me that the requirements for FHA loans are three years. I do n't feel this was done in error I feel that they will use my personal and financial information for their illegal purposes.
Consumer complaint received 2016-04-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NJ)

I went to Wells Fargo bank in person in XXXX nj to close my account. I signed card at bank and withdrew money I had left in account. I was told account was closed and at XXXX balance. In no way did i authorize any transactions after the account was closed yet transactions continue to be put through. I have contacted all merchants as well as the bank and filed a dispute for each attempted transaction. Wells Fargo is the worst bank I have ever dealt with.
Consumer complaint received 2022-08-14
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. (NC)

I have no knowledge of the following accounts : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  # XXXX These accounts were created without my knowledge. I tried to even pay on them to save my credit but was advised to stop per my lawyer. 

I couldnt save the fraud report but the reference number is XXXX Please remove the accounts.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

In XXXX of XXXX I opened a XXXX credit card with XXXX XXXX. Since then I have had exceptional payment history thats not being reported by Equifax. 

I reached out to XXXX XXXX and they told me they are reporting this account to Equifax. 

Equifax is not properly reporting my account, they arent even reporting it and it adversely affects my credit standing.
Consumer complaint received 2024-04-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

I noticed I was being charged as a XXXX for a apartment complex Ive never lived in via my credit report I reached out to Procollect to advise that Ive never lived there and that it has to be fraud and I need it removed and they advised I had to file a police report and mail it to them after I offered to provide documentation of lessening information for the residence I live in that the apartment complex is stating I lived there which is impossible due to you arent able to lease more than one home at a time in XXXX XXXX
Consumer complaint received 2022-08-14
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. (CA)

My Equifax and XXXX credit report shows a late payment on my XXXX XXXX credit card for XXXX, XXXX. It should not show a late payment. It shows that it was updated XX/XX/2022, but the late payment is still showing.
Consumer complaint received 2016-06-27
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (AZ)

I bank with Wells Fargo Bank in XXXX Az. Using my Wells Fargo debit card at XXXX XXXX in XXXX to get close to todays current market rate, I found Wells Fargo has frozen their ATM card exchange rate to XXXX ... my XXXX last transactions, increasing my cost of doing business by an additional {$21.00} plus per transaction plus their internation fee of {$5.00} dollars U.S. And XXXX 's ATM charge of {$1.00} or less. 
My last XXXX transaction showed a market rate at {$19.00} last Thursday XXXX/XXXX/2016 after XXXX so I exchanged dollars for {$8500.00} XXXX at a cost to my account of {$470.00} and change, then Saturday evening XXXX/XXXX/2016 I withdrew {$8500.00} XXXX for {$470.00} US dollars and change rate was XXXX then today XXXX/XXXX/2016 I again withdrew {$8500.00} XXXX and got the same rate as Saturday! After calling Wells Fargo, they said it was XXXX 's problem, not theirs, until I said you are my Bank and your name is on my XXXX Debit Card. I was helped by Wells Fargo rep who then called XXXX to find out they were keeping the rate well under market at a cost to their consumers, ME. I did file a complaint with Wells Fargo but after finding how they were evasive and tried to place blame elsewhere I am now turning to You. 
My phone Number is XXXX cell and my XXXX XXXX number is XXXX! 
I know now Wells Fargo is manipulating the currency market to their clients using Debit Cards at the very least. I have an account with Wells Fargo an my account should reflect dates and time of all XXXX transactions. This is a first that I know of and I do n't like it! 
Sincerley XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX! I am current at our home in XXXX XXXX XXXX and the ATM was from Santander bank across from XXXX XXXX XXXX XXXX! XXXX! 
XXXXXXXXXXXX is my email!
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Old Republic National Title Holding Co. (NY)

XXXX XXXX XXXX Attachments Wed, XX/XX/XXXX, XXXX to XXXX XXXX Old Republic Title Comapny Pursuant to our conversation this day concerning the above referenced Title Report, attached hereto please find Schedule A and the Supreme Court Judgment clearing ScheduleB/Exception # s 4 and 21 ( 6 Open Mortgages ) and Recorded Satisfaction of Mortgage # 1 clearing Schedule B/Exception # XXXX. 
I know XXXX XXXX XXXX ordered this title as a sale but now after COVID the same exact parties would both like to change the report from a sale to a {$250000.00} refinancing of the subject premises by a recordable first mortgage. 
We would like to close this transaction, as amended, under this XXXX XXXX XXXX, and updated pursuant to your specific instructions. 
Thank you for your immediate attention to this matter. 

On XX/XX/XXXX. he ask me to pay Old Republic a check for {$500.00} for the work product to be done. I sent him a check from my business account and to date I have made numerous attempts to receive a copy of my title report for property XXXX XXXX XXXX, XXXX, NY XXXX and or my money back since I never received any work product to date. 
I have note received a refund or work product from this company.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX I deposited a check in my savings made out to sister XXXX XXXX. She endorsed the back of the check, I was notified that there may be an extended hold until check clears which was fine. XX/XX/XXXX I got an alert that a restriction was put on the account. I called for them to remove restriction which I was notified that they need a registered number for XXXX XXXX to verify. I gave them two phone numbers which they kept saying is not registered to her. I was told the next best thing was to take her to a branch to be verified and added to the account. We go into branch on XX/XX/XXXX, she has her state id, social security card and birth certificate and they would not verify her unless she had a registered phone number. The check cleared on XX/XX/XXXX and they called the maker to verify check but still refused access to funds. So upon us leaving I called and basically told them that we are just going to have the maker of check reverse it and they can close the savings account. Well on XX/XX/XXXX I get an alert that they are closing all my accounts with Chase and refuse to tell me why. This is a clear case of discrimination while they just get to withhold money. They could have been just return the check instead of having us waiting.