davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-31
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$950.00}, {$1100.00}, {$2100.00}, {$0.00}, {$450.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$950.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account.
Consumer complaint received 2020-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

On the XXXX of XXXX, XXXX Enhanced Recovery Company reported that I owed XXXX  XXXX  about {$1000.00} for services. When I contacted ERC and told them that I've never used XXXX  in my life, they basically told me that I can try disputing but it won't make a difference and that they " knew '' I was lying. Since then I've proceeded to submit my dispute and months went by and it went under dispute status but nothing happened after that. Around XXXX I decided to make a payment and settle the account because I figured that paying the account off might help my credit, ( which is has ). Yet it is still reporting, and now my credit card lenders see me as an irresponsible cardholder and won't increase my limits. I'm XXXX years old and try to be as responsible as I can when it comes to these things because I know the true power of having good credit and I can appreciate someone who has it. I don't think I've ever missed a card payment since I opened my first card in XXXX, I hope my dedication doesn't go unseen and that you're able to assist me on this. I will say I probably shouldn't have paid the account off but I am simply desperate and want my credit to be in good standing. Thank you and happy holidays!
Consumer complaint received 2020-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (IL)

I have tried to resolve this issue with the bank for months. 
There was a transaction to a merchant named XXXX XXXX XXXX that I made that I later requested to be refunded for. 
The tickets that I bought from XXXX were for an event that was later cancelled due to the unprecedented events caused by Covid-19. 

I have asked the bank disputes team to ask the merchant to get the charge back without success. 

I hope this entity can help.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to formally dispute the inaccurate information present on my credit report. The account in question is listed under the name XXXX XXXX  XXXX and contains erroneous details that do not reflect my financial history accurately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Issue : Charged off accounts should not have a balance. This account is currently showing a balance, which is incorrect. 
Open Status : This account is not supposed to be listed as " open ''. This account is inaccurately listed as such. 
Payment status : This account is reporting as " Missed Payment '' on my report. 
No Contract : I have never had a contract with XXXX XXXX XXXX or any debt collector related to this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX5 U.S. Code 1692g, I am requesting debt validation for this account. XXXX XXXX XXXX is required to provide a copy of any contract or agreement that bears my signature, verifying that this debt is mine. 

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, you are required to investigate the disputed information. 

I urge you to take the following actions promptly : Investigate the inaccurate information. 
Remove the incorrect account from my credit report if it can not be validated with a contract bearing my signature. 
Correct my credit report accordingly and provide me with an updated copy. 
I expect these corrections to be made within the 30-day period specified by the FCRA. Please inform me of your findings and actions in writing at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your positive response and the necessary corrections to my credit report.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

DISPUTE : Capitol One Credit Card A bank account was added onto my account as a payment method.. This was done without my consent or knowledge. It Was added by a hacker.who then added funds by making large payments to my account by using this fake bank account. Then the credit card company allowed that bank to be added to my account ... Even though the bank wasnt in my name. Then without first verifying that account was active. And was truly my bank account..or even that funds were available ... They cleared the payments. Declaring them available. Posted them to my account. The hacker Then withdrew the funds. Funds were cleared without the credit card company verifying the funds were available. Allowing the hacker to withdraw these funds. 
My name isn't even on this bogus bank account. So why did they accept and clear this bank account? Especially since ... nor my name, address or anything on this account has me ever having been associated with that account? And why would the credit company have posted the payments made from this account without first verifying the funds were available? They made mistakes after mistakes. Allowing a hacker to take advantage of there XXXX  ... and my vulnerability. There at fault ( credit card company ). Now i can't express this enough ... the bank account they allowed to be added as a payment method ... was not mine. Nor was it in my name. Why would they allow a bank account to be used that wasn't in the account holders name? What measures do they require in order to verify that bank? because they clearly never contacted me.They kept clearing and posting every payment the hacker made without ever actually getting the so called funds from the hackers phony account. nor did they ever contact me to verify all these large payments that we're being made. one right after the other. Then allowed the funds to be withdrawn immediately after they cleared. This was done over and over within the same month. no one suspected fraud? this is insane!!

now they want to charge me for there XXXX??? 
help Me please? 
anyone should have easily seen that my account was being victimized.
Consumer complaint received 2024-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been communicating with XXXX, Transunion and XXXX to remove all the outdated information on my credit report. I have disputed everything that was wrong and all I get back is " account was valid " How? Especially if I'm telling you the account is not mines. I've asked them to share what information they received to prove the information is valid. XXXX data breach provided my personal information out my credit was hit with a lot of fraud activity.
Consumer complaint received 2022-11-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BETHPAGE FEDERAL CREDIT UNION (FL)

I applied and was approved for a HELOC 13 months ago. I was told and their web page advertised a 2.99 % interest rate for the first 12 months then a permanent fixed rate of 3.25 % for the life of the loan. My interest rate has jumped from 2.99 % to 8 %. My payment has gone from {$210.00} per month to {$560.00} per month. I can not afford to pay this. I have contacted them and they offered me a fixed rate that was higher than the 8 %. I have clearly been tricked and intentionally deceived. I am a senior citizen and the company that I have worked for the past 19 years has been sold and my someone has been promoted to my position and my hours and wages have been cut significantly. I was lied to my the loan officer at Bethpage when I took out the HELOC. I was clearly told that my rate will be 3.25 % fixed for the life of the loan. I have informed them that the payment due XXXX XXXX will not be paid as my income is not what is was.
Consumer complaint received 2023-03-04
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. (IL)

In accordance with the Fair Credit Reporting act the following accounts have 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 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
Consumer complaint received 2024-05-12
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. (GA)

I have been communicating with Equifax, XXXX and XXXX to remove all the outdated information on my credit report. I have disputed everything that was wrong and all I get back is " account was valid " How? Especially if I'm telling you the account is not mines. I've asked them to share what information they received to prove the information is valid. Equifax data breach provided my personal information out my credit was hit with a lot of fraud activity.
Consumer complaint received 2020-12-31
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. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (OH)

Looking over my credit report I noticed there were some late payments showing and due to the pandemic/hardship i was not able to make those payments on time. The following account that shows late payment for XXXX, XXXX, XXXX LENDING CLUB CORPORATION # XXXX. Due to the Pandemic Shutdown I was effected financially.
Consumer complaint received 2021-08-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

I, as a consumer, did not receive the service that was promised or described by the Coinbase , Inc . I tracked the downstream wallet, which was reported several times for fraud, and Coinbase ignored the problems and didn't do anything to investigate or close the fraud wallet. Instead, Coinbase locked my account without any explanation. Coinbase has a big loophole that makes easy for the scammer to do money laundering and allows scam sites to steal my money to their platform. Such merchant was contributed to fraudulent practices and did not have any safety precautions in place to protect myself and others from this happening. Therefore, the fraud transaction should be investigated and refunded from Coinbase. I was not knowing the scam was happening so the transaction was not authorized. There is no alert from the bank systems that scammers ' bank accounts have problems. There is no alert from the bank I transferred from with such huge amounts to a stranger 's bank account. 

I met two guys from a dating app that convinced me that using Coinbase would be a great way for buying cyrptocurrency. I trusted their judgement, which led to me being scammed through the Coinbase platform. Attached is the timeline with the scammer 's name. 

Timeline : XX/XX/XXXX Downloaded Coin base XX/XX/XXXX Downloaded XXXX XXXX ( Linked to XXXX XXXX ) XXXX ETH purchased {$1900.00} using XXXX XXXX XXXX  Transfer. ( Coinbase fee XXXX ) ( Scammer-XXXX  ) Sent XXXX ETH to fraudulent Wallet ( XXXX ) XX/XX/XXXX XXXX ETH purchased {$1000.00} using XXXX transfer. ( Coinbase fee {$38.00} ) ; ( Scammer-XXXX  ) Sent XXXX ETH to fraudulent Wallet ( XXXX ) XX/XX/XXXX Wire Transfer {$50000.00} from XXXX  XXXX to XXXX XXXX  XXXX ETH purchased {$50000.00} ( Coinbase fee {$730.00} ) from wire transfer ( Scammer-XXXX  ) '' Sent XXXX ETH ( {$50000.00} ) to fraudulent Wallet ( XXXX ) '' XXXX ETH purchased {$51000.00} from Wire Transfer via XXXX XXXX. ( Coinbase Fee {$760.00} ). 
( Scammer-XXXX  ) XXXX ETH sent to fraudulent wallet ( XXXX ). 
XX/XX/XXXX XXXX ETH purchased {$5000.00} from XXXX XXXX XXXX  Transfer. ( Coinbase fee {$73.00} ). 
XX/XX/XXXX Wire Transfer {$10000.00} from XXXX  XXXX to Coinbase 's bank XXXX XXXX XXXX  XXXX ETH purchased {$9900.00}. ( Coinbase fee {$140.00} ). 
XXXX XXXX XXXX XXXX XXXX ETH to fraudulent wallet ( XXXX ). 
XXXX ETH purchased {$5000.00} using XXXX XXXX XXXX  Transfer. ( Coinbase fee {$73.00} ).

XX/XX/XXXX Created Case with Coinbase Support Case # XXXX Withdraw from fraudulent website unsuccessful from XXXX XXXX. 
No updates from Coinbase since then.
Consumer complaint received 2024-03-28
Product: Credit reporting 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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2021-08-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I already filed a complaint with CFPB on XX/XX/21 regarding inaccurate information on my credit report from Bank of America HELOC. The initial complaint stated I made a payment for {$1000.00} in XXXX and that payment was never withdrawn from my bank of account, never recorded as being paid by B of A, and a 30 day late payment was reported on my credit. Since this complaint was filed, I received an email on XX/XX/21 from XXXX XXXX, a resolution specialist at Bank of America Enterprise Resolution. The email stated I needed to respond to her email by XX/XX/21 to confirm I had made the complaint. I emailed her a response on XX/XX/21 or XX/XX/21 and on XX/XX/21. I also called and left a voicemail on XX/XX/21 and XX/XX/21 at the extension listed in her email, XXXX, and was connected to a voicemail inbox of XXXX. I have not heard back from her after I have made this several attempts to contact her to confirm my complaint.
Consumer complaint received 2021-08-27
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: Yamaha Motor Finance Corporation USA (FL)

Hello, my name is XXXX XXXX and I am having issue 's with getting some fraudulent accounts off of my credit. My last Complaint ID was XXXX. One of the accounts reached back to me to forward them documents to prove that the account was indeed fraudulent. I have recieved notice of them getting the information. I've attached the documents below and I have sent them evrything they have asked for. I haven't seen any change in my report or have i heard back sense. This has been a very hard process of dealing with identity theft but, i know with the help of you guys something will be done. Thank you.
Consumer complaint received 2021-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (DC)

The 3 Credit Bureaus are reporting inaccurate information on NAVY FCU. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. These are the lists of derogatory accounts that are still reporting on my Credit Reports : NAVY FCU-XXXX-Balance {$6400.00} NAVY FCU-XXXX-Balance {$2200.00} NAVY FCU-XXXX-Balance {$6400.00} NAVY FCU-XXXX-Balance {$2200.00}
Consumer complaint received 2019-09-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

I have no idea who I. C. SYSTEMS is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. I. C. SYSTEMS is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

I C SYSTEMS did not provide the information requested when I contacted them via certified mail XXXX  XXXX XXXX XXXX XXXX XXXX. I C Systems has not provided any information regarding their claim. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized I. C. SYSTEMS as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ I. C. SYSTEMS } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to I. C. SYSTEMS, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice