davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-30
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Offices of Robert A. Schuerger Co., LPA (OH)

At random, my husband was contacted about student loans from 2005. Allegedly, these are loans that are given to them by the Attorney General to collect on and that they will seize our tax returns and garnish wages unless we agree to some sort of consolidation loan. A representative from XXXX XXXX XXXX XXXX continues to contact us for a student loan that was not used. University of XXXX has no record of it being outstanding.
Consumer complaint received 2020-10-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I went to two different Wellsfargo Banks neither one would Help me I explained to XXXX XXXX something is still going on with my Account their is a Third Party Company that has all my Information the Company name is XXXX  XXXX XXXX XXXX  on my Account in the XXXX  XXXX  I ask to have it taken off because its not mine I wasnt Successful in getting that done at all then I went to XXXX so they could check the car out for bugging & Tracking since thats what the Scammer did to my Cell Phone in the process at XXXX since they couldnt see my car wanted me to leave it and get a rental from them but I wasnt able to do that because of the Account payment wouldnt process even though the money is there first it got Declined then said the card is restricted for car rentals the Bank is well aware of whats going on here Identity Theft
Consumer complaint received 2020-04-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

I have been a Coinbase customer since XXXX of 2020 and had no issues with them. All of the sudden Sunday XX/XX/2020 i received an email from Coinbase telling me that they had to close my account, they did not offer me any reasons or explanation. In that email they tell me that i have to transfer my funds out of Coinbase. Here is where the problems start, when i try to transfer my funds it says " You are not allowed to withdraw any funds at this time. Contact Coinbase support '' and then another message that says " You are closing too many accounts, please try again later ''. But it will not let me do anything with my funds. The funds are as follow, i bought XXXX BTC at an exchange rate of $ XXXX/BTC plus a Coinbase fee of XXXX for a total of {$14000.00}. This transaction was made on XX/XX/2020 using my checking account. The reference code they send me for this transaction is XXXX. On XX/XX/2020 i made another purchase of XXXX BTC at a rate of $ XXXX plus a fee of {$73.00} for a total of {$5000.00}. This was also made with a checking account and the reference code from Coinbase is XXXX. The following day, XX/XX/2020 with the same checking account as the previous one i made a purchase of XXXX BTC at a rate of $ XXXX plus a fee of {$2000.00}, the reference code for this one is XXXX. This all adds up to XXXX BTC, and {$21000.00}. Of this amount i withdrew XXXX on XX/XX/2020 and XXXX on XX/XX/2020. I have still XXXX BTC which Today XX/XX/XXXX is trading at $ XXXX/BTC or {$21000.00}. As of today i can not access my account or do anything with my funds. They said they had to close my account but yet they are holding my funds. I am not asking for anything more than i am owed. As you can see i have everything on record and will take any action necessary until my funds are given to me. I want my XXXX BTC and the longer they keep it the more at risk i am of losing it because the price can crash and i could loose my money and they have been holding these funds since XX/XX/XXXX and have made no attempts to reach out to me. This is the first step i am taking based on legal advise that i received, the next steps will be to take legal action and to report this to the FBI. Also whatever loses i obtain because of a price drop and me not being able to withdraw my funds because they would not let me when the price was stable and i had the chance to get my money, i will also file for damages and hold them accountable for any loses. My trading price will not be lower than it was on XX/XX/2020 when they closed my account and failed to let me transfer my funds.
Consumer complaint received 2020-04-28
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. (AL)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$1500.00} XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX   XXXX  XXXX {$360.00} XXXX  XXXX {$1000.00}
Consumer complaint received 2018-01-30
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: SYNCHRONY FINANCIAL (CA)

have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alliged debt, therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character. ) 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 XXXX
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX, I contacted XXXX XXXX in XXXX Florida to apply for a XXXX day XXXX night XXXX XXXX ( dual diagnosis : XXXX and XXXX usage ) for my XXXXr. After discussing the issue at hand, medical history and previous history, she was accepted. I used my Citi Bank Visa to pay {$14000.00} for this XXXX DAY/ XXXX NIGHT XXXX XXXX which was non refundable. 

But, XXXX XXXX DID NOT fulfill their contract! SHE DID NOT RECEIVE XXXX days XXXX XXXX nights  of treatment. IN FACXXXX, she received less than XXXX week! She arrived on XX/XX/XXXX and on XX/XX/XXXX, XXXX XXXX XXXX XXXX " her and sent her to XXXX  XXXX where spent XXXX days ( at OUR expense ). She returned to XXXX XXXX for XXXX NIGHT on XX/XX/XXXX and on XX/XX/XXXX, her husband was notified they were sending her to a smaller facility, " right up the road ''. Well, this facility, XXXX XXXX, is located XXXX hours away in XXXX XXXX. Upon the credentials of XXXX XXXX, I would have NEVER sent her to this facility. At any rate, it is a FACT she was given a medication at XXXX XXXX that XXXX KNEW she is allergic to ( XXXX ). Certainly XXXX should have transferred her records. On XX/XX/XXXX, she was " XXXX XXXX '' AGAIN and this time sent to XXXX XXXX XXXX XXXX for nearly XXXX WEEKS -- AGAIN AT OUR EXPENSE. 

I have TRIED for months to dispute this charge with both XXXX and Citi Bank. I told them I would be willing to pay {$2500.00} for XXXX days but I am NOT willing to pay {$14000.00} because we DID NOT RECEIVE SERVICES. Citi Bank stands by XXXX and will not help with recover our money because the Invoice I signed states NON REFUNDABLE. Was it not reasonable of me to expect the services that I PAID FOR to be rendered?
Consumer complaint received 2020-10-07
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (AL)

I pulled my credit reports and I'm showing two missed payments on my credit from Discover SL. I am still in school and am not due for repayment right now. I've spoken with them numerous of times and they promised to update and remove those missed payments and they have yet to do so. I am frustrated at this point and have no idea who else to help me besides filing a complaint.
Consumer complaint received 2024-10-26
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. (GA)

The Credit bureaus stated my account was properly investigation but how is that possible if the balance, status of account, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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
Consumer complaint received 2024-09-19
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: FISERV INC. (NC)

I was charged by ACH on XX/XX/year> for an XXXX XXXX, which was odd because I had not returned or place any orders since I cancelled my XXXX  XXXX  several months ago. I contacted XXXX by telephone on XX/XX/year> and they could not tell me what this charge was for. I received the attached email communication from TRS Recovery Services on XX/XX/year>. I asked for more information and they could also not provide any details. I responded to XXXX via email on XX/XX/year> and I also submitted a complaint via www.trsrecoveryservices.com/information-dispute/ to TRS Recovery Services. To my knowledge, they did not respond in 30 days as they stated they would. 

I received the same email from TRS Recovery Systems today, XX/XX/year>. 

I had previously been an XXXX customer for over ten years and I have absolutely perfect credit. I am very afraid they have me mixed up and I will be negatively affected, especially because they have access and are erroneously using my ACH bank information. 

I have asked repeatedly for information and when it has not been given, I have stated to stop contacting me.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (GA)

An Opt-Out Request sent to Lexis Nexis effective XX/XX/2020 @ XXXX The only response was : Thank you for your interest in LexisNexis ' information suppression program. Your request to have information suppressed from LexisNexis publicly facing public records products has been received and is in process. Please note that it may take up to 30 days to suppress your information from LexisNexis products and services.

It has been over 60 days. Is this a violation of FCRA when a secondary bureau just simply provide a genric automated response and never followed thru with what is promised. To Date, I still have not received the Freeze Request PIN in the mail.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Consumer Name : ( XXXX XXXX XXXX ) ( SS # XXXX ) ( XXXX XX/XX/year> ) Contents of Complaint : This CFPB Complaint has been filed to request pursuant to FCRSA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit report agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an Auto loan open on XXXX XXXX at XXXX XXXX XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the Consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commision that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2018-01-30
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: SYNCHRONY FINANCIAL (CA)

have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THIS ACCOUNT TO BE VALIDATED, WITH THE ORIGINAL WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send me that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX
Consumer complaint received 2020-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/2020, I used a credit card via the PayPal service to settle an invoice with a merchant. The merchant confirmed that the invoice total of {$260.00} was paid in full. 

On XX/XX/2020, I received an email from PayPal with the subject line " Your bank declined your electronic funds transfer '' and a message stating that " We will automatically re-attempt this transfer in 3 business days. '' As a result of the action, I was charged a {$29.00} non-sufficient fund ( NSF ) fee. 

On XX/XX/2020, I reached out to PayPal requesting a halt to the transfer re-attempt, and made a second payment via credit card for the same amount. On XX/XX/2020, PayPal repeated the action, leading to another NSF charge. I eventually opened a ticket with PayPal on the issue, which was eventually closed without any acknowledgement of the unauthorized transfer. On that date, the credit card that was tendered for the transaction was debited. PayPal argued that since I had done business with the merchant in the past, the attempts to transfer funds from the checking account were valid. 

At no point did I authorize PayPal to debit funds from any other source besides credit cards for this transaction, and now I have been financially harmed by the reckless behavior of PayPal.
Consumer complaint received 2020-04-28
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received onXX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX   opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (NC)

I received a debit card on XX/XX/XXXX from Citibank along with a letter, mailed separately, from Citibank and dated XX/XX/XXXX, thanking me for my request to open a Regular Checking account. I did not request this checking account or debit card nor do I want a checking account and debit card with Citibank. I do have a Citi AAdvantage credit card but that is all. 
I have tried calling Citi numerous times today and tried texting them using my Citi app. I was never able to talk to a real person. I am concerned that Citi is doing something similar to XXXX XXXX -- signing customers up for accounts they did not request.
Consumer complaint received 2020-04-28
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. (IA)

To Whom It May Concern, May I please request you wise assistance. I have experienced identity theft on my personal credit report. For many months, I have been working to un-wind this disaster. 
Practically all of the companies that I have dealt with have been compassionate with my ordeal and have tried to assist me. XXXX XXXX XXXX has gone out of its way to destroy my credit. I have done everything the company has requested to correct the situation. I have submitted a Police Report singed my the Captain of my local Police Department. I have notarized a sworn affidavit demanded by the company. I have filled out a document sent to me by the company attesting to Identity Theft. All I have received back fro the company is a form letter telling me that there is not enough evidence submitted to support my claim. I am at a total loss here, as I have no idea what I can possibly do to get XXXX XXXX XXXX to correct my credit report. I the meantime I keep receiving notices from all, three credit agencies that every month for now many years, the company keeps reporting charge-offs. This situation has greatly impacted my life. As this coupled with a number of other errors that I am working on daily with the credit companies, is responsible for my not being able to rent an apartment. I own a home that is being sold. I suffered a XXXX XXXX a number of years ago and now I have problems with my XXXX XXXX XXXX. I need to be closer to XXXX Minnesota and the XXXX XXXX for continued care. I am a senior citizen and need to move into a facility close to the XXXX   campus. The apartment community is telling me that I will have to have 6 months upfront deposit before I can lease. The main problem here is XXXX XXXX XXXX. Ther is a balance of some {$25000.00} sitting and the company somehow has gotten ahold of my Social Security number and has attached it to this debt. My question here is just how can I get this resolved. This took place in 2015. I do not know any more than that. I never needed to look at my credit report, because I never buy anything with credit then a car. I own a used XXXX. I believe that I am being treated very unfairly. I have gone to the Police Department a number of times and now I believe that they have turned over the matter to a state attorney. This seems total nonsense to me. Why will this company do cooperate and try to help me? Thank you.
Consumer complaint received 2018-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

I have a Charge account from a previous employer currently being reported as " Charged off as bad debt Profit and loss write-off. 
As of XX/XX/XXXX the balance on the account is {$420.00}. I do not have any record of owing this amount because I did not have an outstanding balance. My credit report also indicates that I have paid 100 % of the original balance and the highest balance is at {$0.00}. 
The card was opened on XX/XX/XXXX and had a {$0.00} limit on it, meaning I would have to add money to it before it can be utilized for purchases ( like a pre-paid or debit card ). Once used, the remaining positive balance on the card was sent to me in the form of a check ( I have attached a copy of the last 2 checks i received. ) The only purposes the card served was to receive the employee discount and I never received a credit line from the bank. 
I have being trying for a few years now to get it removed and I have been unsuccessful. The bank will not remove the item from my credit report, I called the number listed on the report and they do not have any history of the account.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CITIBANK, N.A. (OR)

XXXX XX/XX/XXXX is the last reported on this account on my credit report. 

This is misleading the account was closed years ago PAID IN FULL. 

XX/XX/XXXX I was informed my account was closed and no longer available. There had been no activity on my account for several years they closed it. 

Why is it still being reported on my credit report after years. I don't owe them anything ...?