davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX/XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-12
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$510.00} XXXX  XXXX {$720.00} XXXX XXXX {$240.00} DPT EDXXXX XXXX {$4200.00}
Consumer complaint received 2020-05-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/XXXX my car was totaled and Ally Financial received the full payoff for the loan on XX/XX/XXXX. I was informed by XXXX XXXX and Ally to contact XXXX  ( seller ) XXXX for the refund on my Auto warranty which is {$2400.00}. XXXX sent me a check then informed me that Ally went into their account in XXXX and took the {$2400.00} even though they were paid in full. XXXX canceled the check and told me I'd have to contact Ally, I contacted them on several occasions stating on XX/XX/XXXX and asked why the money had be taken when the car was paid off in full? They informed me they would escalate the refund, I called them every other day trying to contact someone to get an update on the refund and NO ONE knew where it was they supposedly escalated it every time. I tried making a complaint today and they said the department wont take complaints on the phone. I emailed Ally demanding my refund that is well over due and they are sitting on that money. I need to replace the car that was totaled after three weeks because it was Tboned. I realize there's a pandemic however business needs to flow and I need my refund asap. No supervisors are taking calls and since they haven't sent the money back after two months I know they aren't in a hurry to give me my money back. Please help me get my money back and also make it easier for some one like me to get transparent answers as to why I haven't received my money and where they are at in the process to refund it. There is no system in place to get any solid answers other than it's going to be escalated. If there aren't already laws there should be laws requiring them to pay within 30 days the automobile was paid off. Instead they hold the money for 60 days or over and I need it to buy another car so I can start my process in going back to work. Our county has opened up and I'm losing money sitting here. I appreciate your help!
Consumer complaint received 2016-12-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP (NY)

In a teleconference on XX/XX/2016, XXXX the head of Key Bank 's Collections Department, stated that XXXX did not apply to Key Bank ( because Key Bank did not accept TARP money ). 
In a XX/XX/XXXX XXXX XXXX about Key Bank XXXX XXXX XXXX, XXXX : XXXX # XXXX, XXXX XXXX XXXX XXXX ' XXXX 's question as follows : Key suffered some dark years during the recession and in XX/XX/XXXX became XXXX of the last banks to repay its {$2.00} XXXX in bailout funds. Is this still a turnaround mission? 

" The TARP money was not a bailout. It was originally given to banks that were deemed financially stable and viable. We were patient in deciding when to repay TARP because part of the requirement was that you needed to raise new equity -- you had to issue stock. By waiting until our financial performance was stronger, we diluted our shareholders less. We are proud to have that chapter behind us. We 've been profitable for XXXX quarters and are building momentum for the future. I truly believe Key is past the inflection point. '' If Key Bank accepted XXXX funds, than it is obligated to offer XXXX. XXXX XXXX 's misrepresentation that HAMP does not apply violates Unfair or Deceptive Acts or Practices provisions of XXXX U.S.C. XXXX ( a ) and New York XXXX XXXX XXXX, XXXX. 

Since XXXX will expire on XX/XX/2016, XXXX misrepresentation could be very injurious.
Consumer complaint received 2020-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

I had an account with Wells Fargo bank in Virginia. The account was joint account between me and my son who was underage at the time we opened the account ( he is an adult now ). My son was a victim of a scam. The party that scammed him sent him a check for {$10000.00}. Date of the check XX/XX/XXXX. The check is very clearly a bad check, with no signatures of any sort in the check. Any person who looks at the check can tell that its not legitimate. I will attach a copy of the check. However, the bank deposited the check with no effort to verify its legitimacy. And showed that the fund is available. The bank allowed my son to cash out {$10000.00} without any notification to me, without verifying the availability of the fund ( needless to say no history of that account with huge transactions ). Few days later, they found that the check was a fraud, put the account in negative and asked me to pay the balance. I strongly feel that the bank is enabling fraud and didnt provide any protection whatsoever to my account. When I looked closely at the account, I also feel that the bank is taking part of what is clearly money laundering operation. I spoke with the branch manger multiple times with no solutions. I contacted the corporation and filed a complaint number XXXX on XX/XX/XXXX. With no response from the bank as of today except for acknowledging the complaint. I did pay the balance and close the account after the manager threatened me. I strongly feel that the bank need to be investigated as they seem to enable fraud, enable money laundering and not providing any protection to me as a customer.
Consumer complaint received 2020-05-12
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Consumer complaint received 2020-05-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC (MN)

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.

According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OH)

My complaint is in regards to my Citi Diamond Preferred credit card which I applied for and obtained several years ago. At the beginning of the Covid-19 crisis I received an email from Citi simply stating that they closed my account.

I wrote to them stating that I did not want my account closed ; that I guarded that credit card carefully and kept it only for emergencies ( I am XXXX, poor, and a flat tire is actually a " crisis '' ). I had no balance on that card. I a
m a responsible consumer and only wanted to keep that card for when I needed it.

Now I do not have that safety net.

No explanation.

No reply to my email. 
I understand Citi is allowed to do this to me. That is my complaint - that they are allowed to cause real harm to me by vanishing my safety-net - without justification or explanation. My credit score at the time was approximately 800. There was absolutely no justification or cause. They apparently profiled me and somehow learned I was sick, I am thinking is a real possibility of why they did this - which is in violation of some disabilities law. 
They only treat poor and powerless people this way. It is wrong. 
I want my card back. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Card Number : XXXX. Citi Diamond Preferred Mastercard.
Consumer complaint received 2020-05-12
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Im affiliated with the armed forces and really dont event qualify for a payday loan not to mention I was a victim of identity theft and have no knowledge of this debt please remove from my credit report immediately or I have to file a civil suit for defamation of my character.
Consumer complaint received 2016-08-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Merchants Adjustment Service, Inc. (MS)

I am in XXXX from XXXX XXXX and am still in college under my parents insurance. I had a XXXX done and went by myself and accidentally gave the hospital the wrong insurance card. Needless to say, the scan was not payed for by insurance and I was liable for it. It has gone into collections and I was contacted by Merchants Adjustment Services. I tried explaining what happened and gave the caller my dad 's number because I am still under his insurance. A few years have gone by and I recently noticed it was still on my credit report. I called and asked if they could send me a bill in the mail so that I could take it to my insurance company just to see if there was a shot in the dark that they would pay for it, but the MAS rep was extremely rude saying they would not pay for it and refused to send me anything in writing eventually hanging up on me. MAS is not my insurance provider and they do not make the decision as to if my insurance will help or not. I do not understand why they will not send a bill if I owe them money. If insurance can not help, that is fine I will make payments as I can, but I would like to at least explore that option.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — Store credit 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. (FL)

I made purchase n recieved it XXXX I returned it on XXXX as it would not turn on at all it was toaster oven as my house oven broke n I cant get someone to fix it because of epidemic. They got the item back n I cant get me credit on my Macys card n they dont answer due to epidemic yet they still take orders. Its been over 12 days n no credit back on my card I have emailed them 10 times n I get back evasive response emails with no resolution. Just we busy n working on it.
Consumer complaint received 2020-05-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OK)

So as soon as I XXXX college, I was put into a loan forgiveness program with XXXX XXXX XXXX XXXX. I had to pay them a fee to get in and {$35.00} a month. Apparently they were filing my income driven repair for XXXX  every year. I had no idea they were filing through XXXX. The last 3 years they filed, my payment plan was {$0.00}, which is why I didnt have any issues till now. The last year they filed, my payment went from XXXX to {$39.00}. Now I have been paying them {$35.00} a month and they did not notify me that I also had to pay XXXX  {$39.00}. I didnt even have access to my XXXX account till my credit score dropped {$200.00} points and I XXXX XXXX and had to recover my account. If I knew they were just filing with XXXX, I would have done it my self and used the money I was paying them to pay my student loans. I called XXXX and they told me that I was never in a forgiveness program and that I was being scammed. An employee helped me get out of the scam and had me report the third party company. I was never trying to get out of paying my student loans. I was just a woman that got taken advantage of right after college. Now, during this pandemic, I have lost my job and forced to move out of my home in XXXX. I have made a payment of {$39.00} to show good faith and that I will continue making any payments necessary to get this corrected. I will attach all the payments I have been making that third party company.
Consumer complaint received 2016-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: First Advantage LNS Inc. (VA)

Apartment complex automatically renewed lease after having written them to close lease at the end of original terms. The complex never did so, a few months later I received a letter from a dept collector in an attempt to collect this debt that I was not away of. Since I had wrote the originator of this debt telling them I would not be renewing. I then wrote the collection agency request ion information of verification of the debt, however I never received any information back from the collection agency. I have never received any calls or attempts to colllect this, so I thought the matter was closed until I saw it on my credit report. Now, it shows on XXXX different credit reports under XXXX different names.
Consumer complaint received 2020-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

on the XXXX XX/XX/2020 i first contacted Coinbase support as they restricted my account for a completely unapparent reason. this has made it impossible for me to withdraw my money after i sent 4 tickets their last response was " Coinbase reviewed your account and has determined that you are not eligible to use the Coinbase platform to purchase cryptocurrency or use our deposit services. As such, you are no longer eligible to link any payment methods. We are not able to provide you with any additional information '' this is very distressing i know longer know who i can trust and i am afraid using any other financial services over the internet. 
i have XXXX  us dollars sitting in the account and it may not seem alot to some but i worked hard for that sum
Consumer complaint received 2020-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MA)

I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING.
Consumer complaint received 2020-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ARVEST BANK GROUP, INC. (AR)

On XX/XX/2020 an UNAUTHORIZED CHARGE of {$560.00} was found on checking account XXXX within 24 hours. A phone call was made within 24 hours of the posted transaction ( documented on phone logs via XXXX ), a Written Statement of Unauthorized ACH was signed and mailed, with documented and filed multiple copies. All Arvest Bank Dispute Guidelines were fully met to Dispute and Credit the checking account from this fraud. 

A statement was received much later from a Representative named XXXX XXXX as follows, '' Unfortunately, we ( Arvest Bank ) have to end our relationship with you because you had your account broken into. You are a high risk to our relatively new bank formed by the XXXX Family. We're looking for better customers than you to improve our community image as fictionalized in our television commercials. We will not dispute these charges on your behalf even though they meet the guidelines for fraud reporting. Furthermore, we will deny that we ever sent you correspondence regarding this matter and will state all documentation as counterfeit. Good Day. ''
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

well on the XXXX XXXX XXXX  and the XXXX XXXX buy back card I am no longer an authorized user I was removed from those accounts but on my credit report its still showing I owe a balance when Im not an authorize user, also XXXX  XXXX XXXX  is still showing open when this account was paid in full and closed but the account is still showing open when it should be closed 2 years ago.
Consumer complaint received 2020-05-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (NC)

1. On XX/XX/2020 I made a purchase for paper goods through Paypal to a company that turned out to be fraudulent. 
2. Within an hour of discovering the true nature of the company I attempted to cancel the transaction but received no response from the company. 
3. I attempted to obtain a refund through Paypal and was declined and my appeal was refused. 
4. I successfully obtained a refund through my bank ( XXXX XXXX XXXX  ) after proving the transaction was fraudulent. 
5. I attempted to terminate my Paypal account but was refused because my bank requested a return of funds for the fraudulent transaction referred to. 
6. Paypal is asking for me to validate my bank information before terminating my account. I provided such information and it still refuses to terminate. 
7. There is no way to communicate with Paypal except for electronically and all of my attempts to get this matter resolved using this method have failed. Now the electronic communication feature isn't even working.