davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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. (WI)

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Experian Business Cred XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I also demand you to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Best Regards, XXXX XXXX XXXX Mack Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2021-04-19
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. (TN)

credit beuarus are refusing to correct inaccurate information such as in quires and also proof of things that should be delete these companies have not provided any original documents or any contracts bearing my signatures and yet they still reporting and not being held accountable. 

XXXX refuses to reflect changes that have been made instead they send generic response about a 3rd party disputing on my behalf. ( I am not 3rd party ) XXXX REPEATEDLY ignores requests from companies which make it impossible to get corrections handled without threatening to file a complaint and this is even after presenting documents. They take months to respond unless you are filing a complaint then they respond within 24 hours .This is very funny to me that it takes these steps to get a response deletions need to be as soon as possible because I have been disputing since last year to get this fix. These are harming my credit and the lack of action being taken is ridiculous. Please ensure that XXXX follows suit and honor all documents for accuracy
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (TX)

In XX/XX/XXXX my family and I received unsolicited " offers '' from PNC to use their checks to " improve your financial flexibility. '' We decided to deposit checks for amount totaling XXXX USD on XX/XX/XXXX. This money had a whole year to be paid back yet this PNC is now scheduling this payments without our consent and they have scheduled amounts of XXXX to go back to this credit card account on XX/XX/XXXX. I have tried to resolve this with them but they sheepishly blame me for scheduling that amount when I believe it's a glitch in their system that makes this payment be scheduled WITHOUT my consent. I first called on XX/XX/XXXX and their staff showed me how to delete this scheduled payment but on Monday they had already scheduled it again for same day. I called on XX/XX/XXXX and after being on the phone with them for over XXXX minutes, their staff were rude and bossy and wanted for me to humble myself and feel like am their under their mercy, am not. I requested for manager to call me back and they said someone will reach out to me but they still haven't. I decided to call again since they are robbing me XXXX ands spoke with their staff who said they were not sure if that transaction is reversible. They keep insisting that I can change/delete payment but I will include XXXX screenshots of XXXX online bill payments and prove that on this one they schedule themselves I have no control over it and I am not able to stop/cancel payment -- -on XX/XX/XXXX I had the option to edit/cancel but PNC decided to take that option away from me. This money/offer was for to be paid back by XXXX by PNC has taken it among themselves and do illegal business. on the attachment PNC 1 their or PNC themselves system schedule it and so I can not edit cancel since I have no control. On PNC 2 it it one of the bills I set up and so can edit cancel
Consumer complaint received 2022-08-02
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX in the amount {$430.00} last reported on XX/XX/2022, has violated my rights. 
15 USC 1681 section 692 A - states I have the right to privacy.

15 USC 1681 section 604 A - states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/24 a transaction hit our business account for {$7200.00} from XXXX XXXX XXXX XXXX. We called the bank ( Wells Fargo ) within 30 minutes to claim fraud. They said it could take up to 10 days to investigate, but did not credit us in the meantime leaving us stranded out of state with no way to get home and had to sleep in the car with my XXXX  and dog. The card was shut off in XXXX, but without knowing the card was used 2 days prior to being shut off at a XXXX for a rental car and XXXX  put a hold on the card. The card has my name on it, but XXXX  did not contact me nor get my authority to run my card. I did not rent the vehicle nor was I in XXXX where the car was rented. XXXX got the name and social security of the guy who used my card, but ran my debit card. XXXX had to hire a private investigator to find the car because the guy did not return it. We filed a police report because the guy used our card and basically stole the vehicle. XXXX tried to charge another $ XXXX but the bank caught it and declined it as fraud, but still holds us responsible for the first transaction that we did not make for the {$7200.00}. Wells Fargo also decided to charge us overdraft fees for transactions for purchases we made 1-3 days prior to the bank being overdrawn by the XXXX transaction because they wanted to take all the money they could for the big transaction. I don't know how they can charge you overdraft fees for purchases you clearly made when you had money in your account. We went in person to Wells Fargo again to try to get them to fix this fraudulent issue, but again said it would take up to 10 days and they will investigate. They have done nothing and now it's been almost a month since we have been dealing with this issue with zero hopes that it will be fixed. I should not be held responsible for a transaction I did not make and budget did not have the authority to use my card with my name on it without my permission or even getting a copy of my driver license to make sure it was a legitimate purchase.
Consumer complaint received 2021-08-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (IN)

The Ally company has been contacting my neighbors about getting in touch with me regarding my vehicle loan. This has been occurring since XX/XX/XXXX even when I have specified and indicated that I will pay even if I am behind 3 payments. I have {$3900.00} outstanding balance, I have paid over 90 % of the loan which is equivalent of {$34000.00}. They have been calling me since I lost my job in XX/XX/XXXX, and I have reported to them that I do not have employment at this moment. I have been paying them with part of my unemployment. They were unreasonable and did not negotiate to withhold payment for a few months until I receive steady payment. There was no negotiation from their part, and they have been calling on average seven times a day. The times are unacceptable times at XXXX XXXX, XXXX aXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and I have been paying {$100.00} to {$300.00} dollars a month. My last payment was on XX/XX/XXXX for {$300.00}. This was all my unemployment money to keep them from repossessing my car.
Consumer complaint received 2021-04-19
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 (PA)

On XX/XX/2021 PayPal closed my account for no specific reason. They have frozen my funds also which is {$23000.00}. I have not been able to get help from them and I just remembered I could file a report on here. I feel they are not doing their job properly and holding my funds unjustly and it is effecting me a great deal. I have XXXX  kids and with XXXX  and the frozen account it is making my life very difficult. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-04-20
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. (IL)

I just received this letter on XX/XX/. I am constantly asking for a method of verification and the bureau always send me a letter saying a company has verified the information is correct. What company and what documentation have they supplied you with. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Also, Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. They send me this same message back for the 3 items I have been disputing but no verified documentation.
Consumer complaint received 2021-04-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MD)

This is a cybercrime involving stolen identity and financial theft - amount not fully determined yet because we can not get a response from Coinbase about whether my funds were stolen. Coinbase has been the most unresponsive of all my crypto account custodian companies. 

Details/chronological summary 1. XXXX SIM card theft- on XX/XX/2021, about XXXX, XXXX assisted a hacker to take control of my SIM card and disable my phone. The hacker then proceeded to make password changes on my email and several of my crypto currency accounts. The hacker then used Coinbase to request withdrawals of {$150000.00} from a linked bank account at XXXX XXXX. I attempted to use my phone but was frozen out because of the sim swap. I borrowed my parent 's phone and contacted XXXX  to get back control of phone. We suspect possible inside job at XXXX  since I was later told that their internal notes said it was unauthorized user who called in the change of my SIM card. We have tried numerous times, but have been completely unsuccessful trying to get hold of XXXX 's fraud department and they have not pursued any investigation to my knowledge. 

2. Coinbase- I have tried everything to follow up and resolve the issue with Coinbase . 
I have attempted to do everything they said in their robot responses to no avail. After almost a full month of filing support tickets and requests to find out whether the funds in my account have been stolen, I still have not received a response. Coinbase support tickets continuosly say they have blocked the account, without telling me if there are any funds remaining. Also Coinbase is continuing to allow the hacker to try to draw funds from my linked XXXX XXXX XXXX  accounts- three attempts in four weeks for {$50000.00} each. I have no clarity from Coinbase that my {$35000.00} of investment in cryptos is still there, nor do I have any reason to believe the account is secured or frozen. 

3. XXXX XXXX- I notified XXXX XXXX to have freeze my accounts there. 

4. On XX/XX/XXXX, I called in a police report immediately after the attack but have not been able to get a copy of the police report online. 

5. FBI- On XX/XX/2021, I submitted a fraud claim to the FBI cyber crime unit.
Consumer complaint received 2022-08-02
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-02
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. (TN)

As I explained prior, the XXXX account is not reporting to my Equifax! It is a open and active account that should report to all 3 CRAs. Equifax has confirmed this account is not reporting, thereby confirming their willful negligence and inaccurate reporting. I have reached out to you all, Equifax, on numerous times to get you all to report this account as it should be reported - 100 % correctly and as an active account. For some reason, you guys refuse to report this account accurately or AT ALL. I have recorded phone calls working with Equifax trying to get this issue resolved, multiple times. I even placed a call with XXXX on the phone to resolve the issue once and for all because XXXX has reported the info to Equifax but they wont report it - this is discrimination and inaccurate reporting in violation of FCRA. You guys have harmed my credit reputation by refusing to report one of my tradelines causing lower scores on my Equifax. This is the entire issue and I am seeking damages and compensation for failure to dispute after being contacted ( I have recorded calls with Equifax refusing to correctly dispute and rectify the issue. At this point, this is willful negligence, Equifax has caused a significant amount of overall damage to my reputation. 

I have proof of recorded phone calls that transpired with me and Equifax. Equifax refused to dispute and/or report the account. Credit reporting agencies are required to report accurately and this has not been done due to Equifax refusing to rectify the issue.
Consumer complaint received 2021-04-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (GA)

I do not know or owe, this company ERC {$990.00}. I have never done business with this company. They do not have my signature on a contract with ERC. A dispute has been filed, but it remains on my report. Please have this item removed as soon as possible. It has damaged my credit tremendously.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

On XX/XX/XXXX or XXXX, 2020, I contacted XXXX XXXX regarding my XXXX XXXX account. I inquired about the continuation on the COVID-19 program. 
The agent informed me that I was eligible just as I was in XX/XX/2020, I was told that making a payment was optional. I was further advised that the next payment is due in XX/XX/2020. 
Although a payment was optional I made a payment anyway of XXXX. I made the payment on XX/XX/2020 via internet. On the same day, I contacted XXXX XXXX regarding XXXX XXXX account was behind 29 days. I was sure that my account was enrolled. I encountered the same issue with XXXX XXXX with enrollment on the COVID-19 last month. 

On XX/XX/2020, I received multiple alerts about a negative reporting on my credit file. XXXX XXXX reported my XXXX XXXX accounted 30 days late while supposedly enrolled on this program. I strongly believe this is an oversight by agent and XXXX  XXXX may be experiencing some technicalities with this COVID-19 suppression/deferment program as the same issue I reported regarding my XXXX XXXX account. 

Due to the reasons above, I am asking that the 30 day delinquency for XXXX to be removed from XXXX XXXX account & from all three credit reporting agencies XXXX, Experian, and XXXX.
Consumer complaint received 2021-04-19
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. (AZ)

This is XXXX XXXX XXXX filing this complaint on my own behalf. I am attempting to get someone to help me AGAIN. I filed a complaint on XXXX with no response from anyone. I feel that these accounts are affecting my credit report and costing me thousands of dollars hurting my way of life. This is not like a regular dispute. I have filled a complaint with the Federal Trade Commission bc to my knowledge I do NOT recall any of these accounts. I need this problem fixed ASAP. I am trying to be patient but I can't wait another 60 days just to have my responses passed over because everyone is clearly ignoring me. I demand these accounts be deleted immediately or I will have to file for litigation due to the huge amount of stress you caused me. Section 611 ( a ). stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and no updates so now I need these items deleted promptly.
Consumer complaint received 2021-02-23
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/2021 XXXX : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, you have failed to verify that this is indeed my debt. 

I enclosed copies of my requests asking them to validate the debt. I was given no evidence of my obligation to pay this debt to this collection agency. This debt is not mine. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter. 

Sincerely,
Consumer complaint received 2022-08-02
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. (FL)

On XX/XX/2022 I sent a letter via regular USPS mail and certified mail ( tracking ID # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX ) In accordance with the Fair Credit Reporting Act the below have violated my rights. 

-XXXX XXXX XXXX Account # XXXX ( partial account number ) -U.S. Bkpt CT Fl XXXX Identification XXXX : XXXX -XXXX  Partial Acct # : XXXX -XXXX XXXX Partial Acct # XXXX -XXXX  Partial Acct # : XXXX - XXXX XXXX XXXX XXXX # XXXX 15 U.S. Code 1681 section 602 A states that I have a right to privacy 15 U.S. Code 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 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXBalance {$0.00} XXXX-XXXX****-Balance {$0.00} XXXX XXXX XXXXXXXX {$8400.00} XXXX {$18000.00} XXXX XXXX {$230.00} XXXX-Balance {$510.00} XXXX***-Balance {$720.00} XXXX XXXX-XXXX***-Balance {$1300.00} XXXX*-Balance {$230.00}
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (MA)

Synchrony Bank of TJX is closing my account due to a auto payment that was returned for no funds. 

I have a new bank account, updated Synchrony Bank account two months ago with new account information in XX/XX/XXXX across all 3 accounts. My account was obviously hacked since the auto withdrawal was taken out a day before the payment was due XXXX. The Auto Payment is due to come out XXXX at midnight. Erroneous payments were shown to have been made on XXXX which did not happen as well. I called on XX/XX/XXXX to pay {$200.00}. to settle this issue. 

This is the first time this has happened to me with Synchrony Bank. I have been a customer with this bank for over 10 years. until this terrible year, my credit was OUTSTANDING. I've always paid the full amount on all my credit cards until COVID. 

This is not my fault. My account has been hacked again, I have someone in my life who is stalking me. I am pursuing this issue with the XXXX  XXXX XXXX XXXX. I believe Synchrony Bank is involved with this individual on this issue since their quite motivated to close my account after one issue ; someone, and I know who this is, paid them off. 

This criminal who has been pursuing me for 15 years has gone to no end to ruin me in every direction of my life with endless income and all the time in the world, spending day and night making my life miserable. 

Legal Counsel has been contacted and will be acquired once I am prepared to take this on. 

Synchrony Bank needs to be on some kind of watch list if there is one. This is a criminal issue and this bank is involved with who is pursuing me.