davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX Collection Agency Address : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Consumer complaint received 2023-07-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I have an XXXX loan ( -- XXXX ) with Wells Fargo bank since XXXX. I was paying on time every first of the month. But recently they have started charging {$450.00} every month as past due. I went to talk the local wells Fargo bank. They said it is a XXXX account and call the number provided for help. I did call them with provided phone number on the statements with many times. They just transferring phone calls and hold for many hours. Still I am paying {$450.00} every month since XXXX. My business is very slow and not able to pay this " illegal '' late charge for past due. I was paying on time in the local bank then how come it is " past Due ''. No one is giving me any answer. Always says- will e-mail. But they never contacted me. Please kindly resolve this issue and refund my " past due '' money collected illegally. Thanks Sincerely XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I submitted a dispute on XX/XX/2023, after several previous disputes, for XXXX collection accounts. 

The first dispute was with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX On my complaint, it had where I could input the correct $ amount, per month, however, I did not do all of them. The credit reporting agency ONLY MODIFIED the account with the information that I, myself, input, The dispute results were readily available the VERY NEXT day, only showing the changes, I, myself, had input the day before. The dispute results were VERIFIED as ACCURATE, however, information not related to the dispute were UPDATED. Please tell me how that is ACCURATE? When the only changes were the dollar amounts that I PUT IN!? How is that an ACCURATE account? I am so fed up with this mess. 

The XXXX account I disputed was with XXXX XXXX  and again, it was VERIFIED as accurate, with some information being MODIFIED. 

If something is MODIFIED, it is CHANGED, which indicates INACCURATE INFORMATION. Just like if you MODIFIY your diet .... YOU ARE MAKING CHANGES! That is ALL the proof anyone needs ..... 

mod~i~fy ( per XXXX XXXX ) make partial or minor changes to ( something ), typically so as to improve it or to make less extreme ( per XXXX  ) - change, alter, vary, to make or become different. 

For them to MODIFY, the information had to have been WRONG.
Consumer complaint received 2019-07-07
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: Regional Management Corporation (OH)

I dont recognize the name on the loan for {$380.00}. Nor do I remember getting a loan anywhere near that amount or at that time. I dont think it was me, and if it was then the amount is far more then it should be. I'd like to dispute it, to my knowledge It wasn't me.
Consumer complaint received 2023-02-03
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. (FL)

15 USC 1681 Sec. 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I also do not have a contract with the following : 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 XXXXXXXX I am not liable for this debt, also they did not provide me with the original application with a wet-ink signature under penalty of perjury of someone with knowledge of the matters attested to. 

Also under 15 USC 1681 Section 602 A I have the right to privacy.

I never authorized these accounts to be reported on any of my consumer reports. They have violated numerous laws reporting these inaccurate accounts.
Consumer complaint received 2023-07-19
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. (FL)

Best Buy credit card by Citi bank. I was very clear. I asked for a confirmation of debt. The only legal form of confirmation of debt is wet signatures. I do not want a bill, statement volcher. XXXX XXXX XXXX will get a lien on her surety bond. My name is not XXXX XXXX spelled like this. This means dead person. I am not the XXXX. I am thinking about arbitration to see your books. Banks can not loan money per money modern mechanics. XXXX. Banks take people signature promise to pay and exchange them for credits. I have a affidavit of all debts are prepaid. I also have XXXX XXXX from XXXX XXXX XXXX having a certified ferrensuk auditir under oath saying all bank loans are fraud.
Consumer complaint received 2023-10-27
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Am an XXXX customer of the digital assets broker coinbase ; did a eur withdrawal of XXXX eur on XX/XX/XXXX XXXX XXXX and was expecting to receive the money in my verified XXXX banking account on XX/XX/XXXX. Today, XX/XX/XXXX am still waiting for my eur withdrawal to arrive. 
Despite several attempts and messages using all the possible digital channels ( email, support.coinbase, XXXX, XXXX ), all i got has been a generic message from a couple of coinbase support team members more offensive than helpful like " XXXX from XXXX, Im going to reach out to someone on the team and see if they can provide me with a resolution or more info. Expect a follow-up from me within 24-48 hours. " or a generic " Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. '' This is not the kind of responses one expect from coinbase, moreover I have a verified account in place since XX/XX/XXXX. I will also provide formal complaint to the XXXX XXXX Police and inform my bank 's fraud department so they can decide wether to inform their customers of the risks implied in operating w/ coinbase and its associated banks ( XXXX for XXXX  customers ).
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (FL)

NOTICE to TD Bank N.AXXXX, I, XXXX XXXX, in good faith, hereby request that TD Bank N.A. issue out a new credit card to me at my mailing address on file at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As the issuer, drawer, and maker of the original instrument, I exercise my rights to enforce the instrument. SEE UCC 3-301. PERSON ENTITLED TO ENFORCE INSTRUMENT. In the event, TD Bank, N.A deprive me of my right to my credit, I alleged deprivation of rights to life, liberty, and happiness. In addition to violation of 18 U.S. Code 894- Collection of extensions of credit by extortionate means. I pray TD Bank N.A. acts in good faith, and issue out to me a new credit card with the credit limit of {$5000.00}. Thank you, best regards. XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I've pulled my credit reports and notice alot of inconsistency so I submitted a letter to have all the three credit bereaus investigate and subsequent removal. I have not heard back from them. I also submitted a letter correcting wrong information and have not received confirmation. As of today its been four weeks and have not resolved anything.
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 information incorrect
Company: EQUIFAX, INC. (OK)

Back in XX/XX/2021, I filed for XXXX and reaffirmed my auto loan. I have never been late on this loan, even prior to the XXXX. After the XXXX, the bank stopped properly reporting my monthly payments and balance. On my credit report it keeps looking like the loan isn't getting paid down. I have reported this to the bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) multiple times, they will update the account, but let it get behind in updating again. I keep having to file disputes with credit bureaus and with the bank every XXXX months to get it properly reported. They should properly report the payments being made and the loan balance as when they don't my score is affected. It is their duty to report this information and keep the account updated. I have done this over times since XX/XX/2021.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

TransUnion is FEDERAL VIOLATION OF MY CONSUMER RIGHTS TO PRIVACY AND TRANSUNION IS DAMAGING MY REPUTATION. UNDER FCRA 617 [ 15USC1681o ] 15USC1681 ( a ) ( 1 ) 15USC1681b Under FCRA 609 Disclosures to consumers [ 151681g ] XX/XX/XXXXXXXX Bankruptcy XX/XX/XXXX XX/XX/XXXXXXXX Bankruptcy XX/XX/XXXX XX/XX/XXXXXXXX Bankruptcy XX/XX/XXXX XX/XX/XXXXXXXX Bankruptcy XXXX XXXX, XXXX XX/XX/XXXXXXXX Bankruptcy XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Hi there is a long list of Student loan debt, Ive no knowledge of these debts that was intent to do fraud, Misrepresentation of giving a false,, misleading accounts. I need thes accounts verified with my signature of these fraudulent debts
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi there is a long list of Student loan debt, Ive no knowledge of these debts that was intent to do fraud, Misrepresentation of giving a false,, misleading accounts. I need thes accounts verified with my signature of these fraudulent debts
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one ACCOUNTS CPS/MAIL XXXX PREFERD XXXX INQUIRIES DMSI/AUTO YES XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX TOTAL MERCHT XXXX/XXXX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX A XXXX XXXX XXXX XXXX {$760.00}
Consumer complaint received 2019-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

I have several Citi credit cards and applied for them due to benefits associated with the account such as car rental insurance, trip cancellation coverage, baggage protection, etc. I paid annual fees, got inquiries put on my credit, and had new accounts put on my credit. This was to find out that there is actually no insurance on my credit cards starting XX/XX/2019 - they are stripping all advertised benefits. This is false advertising and consumers are being hurt in a devastating way. Citi can not be allowed to advertise these benefits then remove them after consumers have taken a hit to their wallets and credit to get them.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX 2019 I physically walked into the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX TX XXXX with the intent to load {$120.00} on to my American Express Serve ( Green ) prepaid card. I handed the cashier {$120.00} cash, she took the cash and my Amex Serve card, attempted to complete the " load '' transaction and received and error message saying that the load was unsuccessful. She attempted 2 more times without success. She handed my card and my cash back to me. I then drove to XXXX on XXXX XXXX in XXXX Texas in another attempt to load the {$120.00} onto my Amex Serve card. I handed the {$120.00} to the cashier, she too got an error message saying that the transaction was unsuccessful. She tried again and the transaction was successful. I got a receipt with the successful transaction of {$120.00} loaded to my Amex Serve card. I also received an email from Amex Serve notifying me that the transaction was successful. Exactly 11 min later I received an email from Amex Serve saying that my account was now overdrawn $ XXXX. 
I contacted Amex Serve to inquire about what was going on but I kept getting a message saying that their system was down and to call back later. Later in the evening I called back to explain what happened. They said there was no mistake but if I wanted to file a dispute I could. I filed a dispute. Sent copies of the transactions from XXXX to Amex as they requested and received a response saying that they was no error and I needed to bring my over drawn account current. I disputed again, went through the exact same 10 day process only to be tole there was no error and they will NOT be giving me back my {$120.00} dollars. If there was no error than why do I not have my {$120.00} available to me? If there was no error then why do I have a copy of a transaction for the load onto my card for {$120.00} from XXXX and then a copy of a transaction from XXXX for a REVERSE load for $ XXXX? There IS A PROBLEM and no one will help me. I have contacted XXXX and no one will call me back. I've contacted Amex Serve and they do not see an issue and I've contacted XXXX 3 times and have not gotten an email or phone call or letter from them offering any help what so ever. I am desperate! FYI- American Express Serve outsources their customer care team. They are not actual employees of American Express. They are located in the XXXX and have no contact with anyone from the actual American Express corporate company in New York.
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (AL)

Wakefield and associates acct. # XXXX balance XXXX. These companies have illegally obtained these debts. 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. 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. And all of this info is inaccurate. Also last but not least none of them have any of my correct information and my rights are directly being violated because none of these companies can validate this debt. They are not mine. My privacy has also been violated and I need them removed immediately. These are unfair and deceptive practices.
Consumer complaint received 2019-07-07
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. (IN)

XXXX XXXX is reporting an inaccurate listing of a Chapter XXXX and Chapter XXXX Bankruptcy on my credit report. Furthermore, I reached out to the Indiana Bankruptcy court and they provided me documentation that they do not give any third party 's or companies information, and they don't report bankruptcies to any credit bureau. They refuse to remove this inaccurate information or provide the verification method.
Consumer complaint received 2017-10-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LOBEL FINANCIAL CORPORATION (GA)

I wrote a letter to the company requesting information I received a copy of judgement that I was NEVER served with a prejudgment interest rate of 22.95 % which is crazy plus I no longer lived in the state wondering if this is authentic.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (AR)

i had thousands of my dollars stolen by card services relia card id card # is XXXX their phone # isXXXX XXXX XXXXXXXX XXXX the company stole my identity and did business without my consent the worse part is that they did this with the tax company XXXXXXXX XXXX  but the company was unlawful to accept thrid parties this card is not allowed to reload and they put my taxes on the account and they were stolen by others they have then seen the errors when I reported the dishonor and made me wait still to this day they have not funded my account with a refund im not able to say how much was taken but my taxes and my government funding was taken I have been XXXX because of my money being mishandled by these fraud actors they need to refund me asap because of unlawful acts that is not in their policy none reloadable accounts that were unable to get reloaded by other agents this robbery and violate title 15 1028.and title 15 1681 a findings and truth lending remove any cases against me and allow the agents to refund upon this notice i shall not have to wait on my funds as the company has seen they made big errors with my funds and after reporting the first funds gone they did a illegal transaction with XXXX XXXX and robbed me again