davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-03
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. (NV)

In XXXX and again XXXX my identity was stolen. In XXXX XXXX XXXX started reporting a second card, even though the first one was reported stolen. I obtained a police report. My card was at a XXXX balance when stolen, the person ran up 1600+ worth of charges XXXX / XXXX XXXX has charged me over 600 in fees and agreed to remove an additional {$250.00} over that. Currently the balance is showing XXXX, limit XXXX. Both cards reported negative at the same time same months ... so the opened the second card while the first card was still out there ... both have delinquencies showing. I have sent XXXX police reports more than once and they declined to remove the card from my credit. Then they agreed removed it for 2 months and placed it back on my credit with both cards showing a balance. Currently it is reporting just one card as delinquent and they other one with the final month showing 30 days late. Mind you I have no negative credit from any other lenders or creditors. All my bills are paid in full. I actually called XXXX and said I know I didnt charge these items but would like to make a settlement - this was declined. They want me to pay the full amount I sent them a police report for and all of the late fees and interest over 600. 
At this time, this is the only negative account on my file. I have tried everything short of paying someone elses debt. There is also an inquiries as a XXXX XXXX which isnt me, 5 wrong phone numbers. I need assistance in getting XXXX XXXX off my credit and for these people to leave me alone and stop applying for new credit cards to add inquiries to my file as punishment for not paying the account off. This needs to stop here. Please help me. Mortgage loan is pending the outcome
Consumer complaint received 2021-08-12
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: Checkr, Inc (TN)

Incorrect information regarding a ticket that does not exist on my Motor Vehicle Record. The report provided stated that I received a speeding ticket on XX/XX/XXXX and that is not accurate. I have MVR to show accuracy.
Consumer complaint received 2017-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc. (AZ)

American Financial took two payments from us during transfer of mortgage to XXXX. They sent one payment to the new mortgage but not the second. We have tried numerous times to resolve this between both companies. Sending bank statements of payments, email confirmations of payments with no resolve. Numerous hrs on the phone explaining this story to several people and our money is still missing.payments made to American Financial on XX/XX/XXXX and XX/XX/XXXX. First payment finally transferred to XXXX on XX/XX/XXXX. Second payment American Financial admitted to sending back to themselves instead of sending to XXXX. They refuse to solve this matter and both companies are not communicating with each other. Our money is gone from our account and had not been applied to our account for monthly payment of mortgage. American Financial should never have taken our payment if they transferred us without proper notification.
Consumer complaint received 2017-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had fraud on my acc. I did a dispute with bank of america. They where puttin gas for 4 days over XXXX dollars. The bank send me a letter saying that my dispute was denied. I call them they told me someone call me and i say it was authorized. I told them that no one call me. I asked them for info. For them to give me the info where this gas station where located for me to do a police report. They did not wanted to give me info. So know they reverce the charge. XXXX dollars. And they froze my other acc. With money in it. I need help
Consumer complaint received 2017-11-03
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)

I was a victim of fraud in XX/XX/XXXX. All affected creditors resolved the matter on their end, removed the fraudulent accounts along with their associated balances and reported their findings to the credit bureaus. It is now XXXX and Equifax still has not removed the Inquiry from my credit report although XXXX has. Ive made multiple contacts over the past 4 months to the creditors trying to get all the credit inquires removed and I was informed that they have already submitted this information to the bureaus ( at least 2x now ) but Equifax hasnt actioned it. 
It is frustrating and disappointing that Equifax cant be more timely in processing requests that have a negative effect on my life and goals. I cant help but think that the fraud was a result of their data breach anyway. Credit inquiries should be removed at the same time the accounts and balance are. The fraudsters are evil for doing this to people but the bureaus sloppy clean-up practices allow the consumer impact to continue.
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

On XX/XX/2021 an unauthorized access to my coinbase account occurred. I only discovered it when I was notified that a transfer from my bank account in the amount of {$28000.00} had been initiated. ( I received an email to that effect ). The unauthorized access was a result of a FAILURE IN COINBASES SECURITY AS THE REQUEST FOR XXXX AUTHENTICATION CODE WAS NEVER RECEIVED NOR WAS THE EMAIL ASKING ME TO AUTHORIZE ACCESS TO A DEVICE. 
Once I became aware of the unauthorized access I logged into my account and discovered an illegal attempt was made to transfer {$28000.00} from my linked bank account. I also discovered a XXXX account added to my account that was not mine ( I do not use XXXX  ). I deleted the fraudulent XXXX account, and immediately. I notified coinbase following their instructions to disable my account and reported the fraudulent attempted transactions. 
I then contacted my bank and instructed them NOT to honor the fraudulent attempt to transfer funds. 
I was successful in preventing the fraudulent transfer, and received acknowledgement from coinbase that my account has successfully been disabled and NO FURTHER ACTIVITY WOULD BE ALLOWED. 
The following day the request for {$28000.00} arrived at my bank and was refused on my instructions. Clearly coinbase did not stop the activity even after the account was disabled. 
Shortly thereafter I received a notice from coinbase demanding that I fund {$28000.00} fraudulent transfer and if I did not provide the funds within 10 days, coinbase would sell my assets. 
I responded by explaining the breach once again, however my response was ignored and onXX/XX/2021 coinbase sold my remaining assets and in fact continues to demand I fund the fraudulent attempted transfer. 
I am unable to speak with anyone at coinbase and in fact there is no way to communicate with anyone at coinbase. All attempts to contact them have resulted in automated responses that do not address the issue. 
Further investigation by me concluded there were no viruses on my machine nor was my phone every out of my possession, so clearly the breach of my account was due to a FAILURE IN COINBASES SECURITY. 
What steps can I take to correct this issue and regain the assets that coinbase took from me illegally?
Consumer complaint received 2020-07-22
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: EQUIFAX, INC. (GA)

The following items are reporting inaccurately on my credit file : Inaccurate personal information : Names : XXXX ( XXXX ) Names : XXXX ( XXXX  ) Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX ( XXXX  XXXX Address : XXXX XXXX XXXX XXXX Equifax XXXX Address : XXXX XXXX XXXX The following account does not belong to me ; Identity Theft Items : XXXX XXXX XXXX Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX  & Equifax XXXX ; Bal : {$59.00} ( XXXX, XXXX, Equifax XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX  XXXX ; Bal : {$0.00} Unauthorized Inquiries : XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2017-11-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (OH)

I have a a unverified account from Caine & Weiner. I had previously disputed this account. I have never done business with Caine & Weiner. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Caine & Weiner Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Caine & Weiner Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2023-02-03
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)

I disputed inaccurate information on my report from a company XXXX and XXXX the info is not correct I have had my wages garnished since 2018 for this and its not been updated and shows I owe a higher balance and a negative balance and late payments its wrong
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AR)

Spring of 2018 I was denied for an apartment complex and I was advised by them that they used a sort of Rental Equifax bureau. I check my credit regularly and never saw any of the information that they had. I tried contacting Equinox and spoke with two departments that which refused to provide me information on how to obtain/request my renter 's report. The rental equifax is a consumer reporting agency WITHIN Equifax that is reporting information on me that they refuse to allow me to see. According to the apartment complex, there was some sort of eviction on my record and I'm for certain that it is the result of fraud/identity theft, but because Equinox isn't cooperating, I can not get to the bottom of it.
Consumer complaint received 2023-02-02
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. (PA)

Upon checking my credit reports, I've discovered several fraudulent hard inquiries from the following companies : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

I placed an order on XX/XX/year> with XXXX XXXX ; I received my order and the majority of my order was missing. I tried to call, and was told I couldnt speak to anyone had to email. My order was supposed to consist of XXXX items. You all sent me XXXX items. XXXX out of the XXXX items were damaged. I didnt realize that there was shattered glass in the box ; only to end up with glass on my bed, trying not to cut myself. Frustrated is an understatement ; I paid you all almost XXXX weeks ago.. and I still dont have my product. I reached out to my bank for help recovering my funds. I was told because it was an ACH I wont be able to recover my money. Now I have no product and my money is gone according to chase.
Consumer complaint received 2024-09-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FC HoldCo LLC (GA)

Apparently someone purchased a $ XXXX car while I was XXXX, I have file all the legal paperwork to show my XXXX  and sent documents over to each reporting agency, they took it off and place it back on
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc (FL)

I hate I even downloaded this app! Venmo XXXX I literally didnt do anything wrong but try to send a payment to my cousin for hurricane Helene because we was going to stay together & tried it a couple times n my account got froze! I cant even get my funds out so I can prepare for hurricane Helene which make land fall later today XX/XX/scrub>XXXX I went to the atm & still couldnt pull funds out my account I dont deserve this. Now they wan na hold my money for 180 days
Consumer complaint received 2024-09-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (FL)

My Heloc loan went into Foreclosure due to missed payments and increased taxes and insurance. I requested a loan modification however it was denied. The lender told me verbally over the phone when I called in to check the status,. I requested a reinstatement that I received via email on XX/XX/year>, when I was told I would receive it on XX/XX/year>, The wire was sent XX/XX/year> @ XXXX. I provided the lender with the confirmation number and details of the wire but they keep insisting that they have not received it and could not postpone auction. Thank you.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

The purpose of this letter is to address an issue that I am currently experiencing in regard to late payment reporting. I attempted to resolve this matter with customer service to no avail. On XX/XX/XXXX, I received notification from my credit monitoring services that I had a late payment reported by XXXX XXXX. 

Late Reporting Issue On or after XX/XX/XXXX, I requested a XXXX  payment deferment granted by a customer service rep at XXXX XXXX XXXX Upon receiving my statement, I noticed that the agreed payment deferral had not been applied to the account, so I made a payment immediately, and it was made before the statement closing date. 

Thereafter, I reached out to XXXX XXXX regarding the deferment, and I was told that I had received the wrong information and that the payment deferment had never been applied. Since then, I have paid my car note every XXXX before the XXXX  late period. I made a payment on XX/XX/XXXX, in the amount of {$1600.00} by auto debit from XXXX XXXX. 

My XXXX XXXX statement due date is the XXXX of each XXXX and this payment was made before the due date. I have attached proof that I was not XXXXXXXX XXXX late, and I am requesting an immediate update to all XXXX bureaus.
Consumer complaint received 2023-02-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2021-08-09
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: EQUIFAX, INC. (TX)

I reached out to Equifax on XX/XX/2021, and requested that they remove the inquiries on my account because they are violating a United States Code. Upon speaking to multiple representatives, I was told that they are unable to remove those inquiries. The reasons I was given is their need to contact the " original creditor '' in order to validate the inquiry. I informed the last representative that Equifax was in violation of a United States Code and was told that I needed to contact the individual companies to request removal.

Equifax is in violation of the following United States Code : Title 15 USC 1681b - Permissible purpose of consumer reports
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

Hello, This company XXXX XXXX XXXX are continuing to attempt to collect a debt that I am not liable for. I have attempted to rectify this problem thru the bureaus but they are still reporting and continuing to report negatively toward my credit. have attached a letter from the Assistant Manager of the apartments that show that I left out of my lease with no balance attached to me. I lived in the apartments from XXXX. I paid rent on time and never missed a payment. 

When I moved out I left without owing any debt and no responsibility was due to me with the apartments yet the collection XXXX XXXX is reporting to my credit that I owe a balance of {$2500.00}. 

I a not liable for this debt as I have expressed several times so therefore I do need to make a formal complaint.
Consumer complaint received 2021-11-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

XXXX of XXXX, I contacted Transworld services to work out an agreement, and a monthly payment plan. My intention to set up a payment plan was to ensure that my security clearance would not be revoked, and that I could gain employment with the Department of Defense upon evidence of this agreement with Transworld Collection agency. 
When I explained my intention to a the Transworld representative, to have my clearance approved for an excellent job opportunity I was in route to gain, the representative became erratic and annoyed. Specifically, after I answered her question " How much do you plan to make at the new job? ". After answering her questions and attempting to retrieve proof of agreement, she rudely refused to work with me. I also requested to speak with her manager, and again she refused in a a short and aggressive tone. After being refused, and talked over, to move forward with any request for assistance, I ended the conversation and called my Federal employer. This act from the Transworld representative cost me employment with a good paying job, and an opportunity to pay off debt I intended to respectfully pay. I haven't heard from or attempted to call them since. To this day, I have continued my pursuit to employment, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX, XXXX. I finally gained partial employment with the XXXX XXXX. I received an opportunity to attend military training and get paid full-time for XXXX  months. During this time, Transworld has collected over {$7400.00}, sometimes about half my pay and more. This debt was calculated as fully paid on my Leave and Earning Statements ( LES ), unfortunately Transworld Collection Agency started a new debt and intends to collect another more than {$1400.00} ( as stated by the representative XXXX ) without notice, under the same debt name. This appeared as a random additional debt owed to the same Debtor. They have not provided any documentation, or notice, or proof displaying an accurate calculation for their debt collection actions. They have forced automatic deductions, to deduct more than 50 % of my paycheck at times. I find it disturbing that this is legal, especially when forced upon military personal. I will be pursing further legal council with my military legal advisors ( XXXX ) once I arrive to my new duty station. 

XX/XX/XXXX. I called today to get an explanation, and I received no accurate information as to how my debt is calculated. The representative continued to say " your LES will not reflect the correct amount due ''. If this is true, why and how am I paying debts that have no accurate reflection of the final due amount and how can the government keep track of this. The representative also did not provide a total amount due, and therefore left me to believe that they can charge anything to my XXXX paycheck without an accurate reflection of how much I owe. Please assist.