davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken ()

I tried to log into my crypto account with Kraken on XXXX XXXX XXXXXXXX and i couldnt log in, i received a message saying " credentials dont match our records ''. I didn't understand this as i knew i entered the correct user id and password, but i tried to reset both just to be sure, however i did not get a reset email back so i could not proceed. 

I called the Kraken help line and they said that they would manually send me an email reset, but still i didn't receive anything. They told me that they would escalate the problem. 
I looked on the Internet to see if i could find out why i wasnt receiving the email and i found information saying check on my email account to see if there are any filters. So i went into my email and a thief had put a filter on there saying " any messages received containing the word " kraken '' delete immediately. There was also a separate note saying forward any emails received to XXXX XXXX The thief then asked kraken for my user id which they happily gave without making sufficient security checks, then with my id they asked for a password reset, which again kraken allowed without making security checks. It did not seem suspicious to kraken that my registered account is in XXXX and the request for my id and password reset was made from XXXX! ( Kraken sent me an email telling me the ip address that had been used to ask for my personal information and from where the funds were withdrawn, the police traced this to XXXX ). In addition to this i used to use a fingerprint biometric check to get into my account, which had disappeared. 
As the thief had reset my password this is why i could not get into my account. I had to go through more thorough security checks with kraken before they restored access to my account and once in there i could see that someone had converted my XXXX XXXX  crypto into XXXX  and then withdrawn it on XXXX XXXXXXXX XXXX. 
All of this was told to Kraken, but their help desk said they can't do anything as they have limited access, but they would escalate to their specialist team that would look into the situation. I was issued with a ticket number XXXX which they have marked as " sorted ''. They said if you want to progress this then go to law enforcement, which i did. I reported the above to action fraud and an officer XXXX XXXX XXXX  called me to tell me that he would look into the case. XXXX XXXX gave me a crime number XXXX and told me that after some investigation that the theft took place from XXXX. 
My complaint is based upon Kraken taking my money onto their exchange ( it has only been there for about 3 weeks ) and giving my id to a thief and allowing that thief to do a password reset and ultimately gain access to my account and withdraw my funds without taking essential security steps and verification, even though suspicion should have been high due to the different address locations. Their attitude throughout has been " not interested ''.
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (AL)

My car have been repossessed after I was in an accident involving a deer. I got it fixed but XXXX XXXX was threatening me that they was gone take me to court if I didnt come up with XXXX for the car that was repossessed. XXXX XXXX trying to make me pay for the car that they repossessed when I dont have that car anymore. My car note was XXXX now Im paying XXXX for my new car note but I need help with the lease and trying to get my tag and insurance as well. Til this day Im still getting letters in the mail from XXXX XXXX saying if I dont come up with the XXXX theyre tryna make me pay for the car they repossessed then were going to settle everything in court. I also have another gave thats under credit acceptance and not too long ago about a week or XXXX ago they came to my house and pulled my car without me knowing anything saying that I was late on paying my car note when I wasnt late at all. Then they tried to put my car up for auction and told me that in order for me to get the car back I would have to pay the XXXX upfront the same day as they took it or else I wont have that car anymore. I ended up paying XXXX just to get my car back.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (NY)

I have attached supporting documentation. I was never issuedmy provisional credit into my account ( XXXX and XXXX which is for XXXX XXXX XXXX both email addresses ) for Case ID XXXX This oddity where I can not see some things when I look through one email in the resolution center and I see different things in the SAME ACCOUNT to be fixed immediately. I suspect this is how they are fooling you into thinking that they have the right NOT TO GIVE ME A LOAN AS WELL. Because then all the invoices and money would be under one email address and not the other.
Consumer complaint received 2022-08-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UNITED CREDIT CORP. OF SOUTHAVEN (LA)

I have not worked since I had XXXX because I am having a lot of complications with my health. They are still calling me from their cell phone I asked for it to be taken care of and they have ignored the complaint. Since they have ignored everything I will be suing them because I have rights.
Consumer complaint received 2022-12-18
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

In XX/XX/2022 there were fraudulent transactions on my card I reached out to Wells Fargo and they said they would not cancel my card as I requested them not to do so. I received notification that my card had been canceled and a new one would be issued. I called back and asked why was my card canceled when I asked them not to do so they said it had been requested by me which was not the case. I had bills on auto pay which caused me to receive late fees and my new card took almost 2 weeks to arrive.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I used the XXXX app to make the payoff quote of {$1900.00} on XX/XX/XXXX. 
I called in and spoke to a rep on the XXXX to confirm that no additional amount was due and to close the account. The rep said no additional amount was owed and closed the account. 
I later get a statement in the mail that says {$7.00} is due on the account by XX/XX/XXXX. ( I did not open this envelope until last week as I thought it was junk mail/advertisements asking me to come back as a customer. ) I called on XX/XX/XXXX and was hung up on ( or the call just mysteriously disconnected ) by XXXX and another rep before calling in a third time to be transferred to XXXX who said he listened to the call and verified that the rep back on XX/XX/XXXX understood my intentions were to payoff the account, close it, and not owe any additional amounts. 
XXXX said that I now owed {$8.00}. 
I told him that I didn't mind paying the amount if that's what I owed but was never told about it and didnt think it was right for XXXX to cause my XXXX score to drop more than XXXX points since then to now as a result of reporting the account as delinquent. 
BE REASONABLE FOR A MOMENT : Ive never had a late payment with XXXX, so based on my past payment history, if I owed another {$8.00} ( or however much it was at the time ) would I not pay that too after paying such a large some in contrast ( {$1900.00} ) and closing the account? 
You would think this would prompt the company to call or email but they never did. 
XXXX said even though I was told I didnt owe anything back on XX/XX/XXXX, I still had to pay the amount and there was nothing XXXX would do about repairing my XXXX score. 
After waiting on hold for more than 40 minutes, I paid the {$8.00} with XXXX over the phone. 
How do I know another six months from now I wont receive a new statement saying I owe {$5.00}? 
This is EXTORTION.
Consumer complaint received 2023-01-23
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. (AR)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : 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  Balance : {$380.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$62.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : 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 2023-01-23
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. (LA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
I need these items Removed ASAP 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 2023-01-23
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. (AZ)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX  XXXX Balance : {$0.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion continues to report information on my report that does not belong to me. Please delete this information as soon as possible and send me an updated report. 

MY ONLY CORRECT ADDRESS IS : XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX MY ONLY NAME IS : XXXX XXXX XXXX MY ONLY PHONE NUMBER IS XXXX THIS IS INCORRECT PLEASE REMOVE FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Phone Numbers ( XXXX ) XXXX Phone Number ( XXXX ) XXXX
Consumer complaint received 2023-05-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently, I investigated my credit report which caused XXXX  XXXX and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correctly. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in the valuation of not reporting 100 % accurate.
Consumer complaint received 2023-01-23
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. (CA)

I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to XXXX XXXX XXXX - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX, I spoke with someone from XXXX because a collection appeared on my report for {$310.00} and they stated that the company americollect has the account and Verbally verify the account with no type of info on what the account was all they know it is a medical account I contacted Americollect and they stated it was a medical account from XX/XX/2019 which was from a doctor XXXX they could not give me any information on the account so I proceeded to ask XXXX to investigate this again and all they could say is that they would have to verify that this is my account with no itemized statement or anything pertaining to what it is please help me I dont know what this account is for.
Consumer complaint received 2023-01-23
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiry I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo took money from me and closed my account I had {$7000.00} dollars and my account I was getting paid regular and my work checks was mobile or atm deposit they still haven't gave me a good enough reason on y they closed it
Consumer complaint received 2023-01-23
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. (NE)

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action. Below is the list of the fraudulent items I found on my XXXX report and I need you to remove each and everyone of them : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022. According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

I deposited a check into my JPMorgan Chase account and they put a hold for a long time, and then they freezed the account and then closed it, and now they drag around with the funds, and I can't pay my mortgage, and mortgage company says that my house is going to be foreclosure.
Consumer complaint received 2023-01-23
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. (NJ)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXXXXXX 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.