davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (TX)

On or about XX/XX/2021 I received a billing statement from US BANK alleging I owe a debt in the amount of {$63000.00}. On or about XXXX XXXX I responded to US BANKs billing statement by sending out 5 items. 1. A formal letter requesting recession pursuant to TILA 15 USC XXXX and requesting my privacy be respected by removing my personal information from their company and all affiliates pursuant to FDCPA 15 USC XXXX 2. A NOTICE DEMAND TO RESCIND AND CANCEL AUTO LOAN pursuant to TILA 15 USC XXXX. 3. An AFFIDAVIT OF TRUTH asserting certain factual allegations. 4. A DEBT VALIDATION LETTER with an attached CEASE AND DESIST LETTER asking US BANK to cease and desist all communications with me until the debt was validated pursuant to all information requested and outlined in the letters. 5. A carbon copy of what I sent to XXXX XXXX as a notice to them of the status of this alleged loan. On or about XX/XX/2021. I received a response letter dated XX/XX/2021. The letter addressed the cease and desist issue but however failed to : 1. rescind the auto loan pursuant to the procedure outlined in the TILA 15 USC XXXX. 2. Validate the debt pursuant to my request in the debt validation letter and the FDCPA 15 USC XXXX. 3. Rebut any factual allegations alleged in my affidavit of truth. On or about XX/XX/XXXX I received a loan statement dated XX/XX/XXXX in violation of the cease and desist. On or aboutXX/XX/XXXX I sent out 3 items to US BANK 1. A NOTICE OF DEFAULT OPPORTUNITY TO CURE giving US BANK one more opportunity to respond accordingly to all previous sent requests and affidavit of truth. 2. A new AFFIDAVIT OF TRUTH listing all TILA and FDCPA violations that US BANK are liable for. 3. A invoice requesting payment for all violations listed in the affidavit of truth.
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (DC)

Coinbase refuses to return my XXXX crypto currency that remains under the key it controls. Coinbase refuses to return my crypto, which is an XXXX XXXX. In XXXX, 2021, I withdrew my XXXX  token from XXXX and sent it to Coinbase 's XXXX Tether address. Coinbase does not have an XXXX address, which means they should send it back.
Consumer complaint received 2017-08-04
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. (FL)

THE CREDIT BUREAUS WAS NOTIFIED OF THE FRAUDULENT ACCOUNTS ON XX/XX/2017. I ASK THEM TO VERIFY THESE ACCOUNTS UNDER THE FCRA SECTION 609 ( a ) ( 1 ) ( A ) I NEED TO SEE ORIGINAL SIGNED ON CONTRACT OR REMOVE ASAP.
Consumer complaint received 2018-07-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Our mortgage was recently sold to Rushmore Loan Management company. We arranged online bill pay through our bank, XXXX, to send the payments like we always do. On XX/XX/XXXX, XXXX sent the first payment of {$3300.00} and it was received and applied to our mortgage. On XX/XX/XXXX, XXXX sent another payment of {$3300.00}. However, Rushmore is claiming they do not have the money. We sent this payment the same way the previous payment that they processed and cleared with the same account information, etc. They then said that if we didn't pay another payment for XX/XX/XXXX, since they never received the payment, we would be charged late fees. So, we used their online system to send the XX/XX/XXXX payment on XX/XX/XXXX, and then we also paid XX/XX/XXXX with their online system on XX/XX/XXXX. Yet, we still have not received a credit for the missing XX/XX/XXXX payment of {$3300.00} from our bank account. 

Every time we call Rushmore to try to resolve this issue, they never know what is going on and never have any answers. They tell us that they are researching until a certain date, then the next time, we get a new later date. It is extremely frustrating and the company representatives have not been helpful in assisting us to locate our missing {$3300.00}.
Consumer complaint received 2020-11-11
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. (NY)

I am a victim of identity theft. Please remove the fraudulent accounts and inquiries on my credit report. The charges on my account were not authorized. Please block and remove these accounts from my credit report, that any finance and other charges related to the fraudulent amount be blocked and removed.
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CO)

My mortgage with XXXX XXXX was sold to SunTrust in XXXX. We received a letter from XXXX  in early XXXX that we should get a letter from Suntrust at least two weeks prior to our next payment on XX/XX/XXXX. We called suntrust the last week in XXXX to get our account information so we could make the XXXX payment. We were told we would get the account transfer letter by XX/XX/XXXX. We have not received the letter but today ( XX/XX/XXXX ) we got an email from Suntrust stating our payment is overdue and we will be charged a late fee if not paid by XX/XX/XXXX. I am currently on hold with SunTrust ( approximately an hour and a half ) with no response and no way to resolve the payment issue until we get an account number for the new mortgage..
Consumer complaint received 2020-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

HI XXXX! I have XXXX bill colelction for {$810.00}???? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2018-07-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: WEBSTER BANK, NATIONAL ASSOCIATION (AZ)

Webster Bank reports 120-180 days lates every month and this accounts date of last activity was XX/XX/2012. This is illegal to do and was never properly charged off or reported correctly. They have ignored my attempts at fixing this and we need you to hold them accountable for their FCRA violations. See attached screenshot
Consumer complaint received 2022-04-05
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (MO)

On my credit report it shows i have 9 inquiries from XXXX, XXXX, XXXX XXXX XXXX. Things i didnt apply for .All the dates are different but mainly the year wasXX/XX/2019! Because of this i cant even get a bank! Then theres another inquiry from PayPal, another thing i didnt apply for.
Consumer complaint received 2024-02-19
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. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2020-09-17
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. (GA)

THE INFORMATION LISTED SEVERAL ACCOUNTS WERE OPEN FRAUDULENTLY SUCH AS LOANS, CREDIT CARDS, CELL PHONE ACCOUNTS SOMEONE USED MY IDENTITY USING MY SOCIAL SECURITY NUMBER AND ID TO OPEN THESE ACCOUNTS THAT DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, XXXX   and Experian CRAS. On XX/XX/2020, I mailed XXXX,   XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2017-08-04
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. (TX)

EQUIFAX IS REPORTING ON MY CREDIT FILE THAT I OWE XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, TN {$640.00} FOR XXXX XXXX. ALL OF MY MEDICAL BILLS IS COVERED BY THE UNITED STATES GOVERNMENT. EQUIFAX REFFUSES TO PROVIDE VALIDATION OF THE DEBT AS REQUESTED BY ME.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-09-17
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CT)

I owed Kia on property taxes. 
Made an arrangement with them to pay the remaining {$280.00} on XX/XX/2020. 
They reported me to the credit bureau on XX/XX/XXXX and XXXX, 2020.
Consumer complaint received 2020-09-17
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. (FL)

I need some assistant with the following unverified accounts that are showing on my credit report : 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 I live in Florida and I have no records of doing any business with the above-mentioned companies. My name is XXXX XXXX XXXX my DOB XXXX SS XXXX. My current and only address XXXX XXXX XXXX  XXXX FL XXXX. 
please remove the following fraudulent address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I pay all my bills on the first of the month, as I have for decades, which is why I never get late fees. A few months back I paid my bills on the first as usual, but there must have been a problem with the mail because CITI says I got the bill late and docked me a late fee of {$38.00} for a charge of {$15.00}. I called them up and they would not waive the fee after fifteen years of never making a late payment. There should be some wiggle room here because the United States Postal Service is not infallible. Also, the late fee should not exceed the amount owed.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-28
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. (SC)

This is my 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following addresses, accounts and inquiry 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
Consumer complaint received 2023-01-28
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. (SC)

This is my 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following addresses, accounts and inquiry : 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
Consumer complaint received 2021-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

I submitted a XXXX payment of {$500.00} via wells fargo XXXX for a new dog. It turns out the person accepted the payment, but quit answering questions and never sent the dog. Essentially, i was scammed. I would like a full refund for this terrible crime that was committed. This occured on XX/XX/2021.
Consumer complaint received 2018-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (MN)

I had {$500.00} charged to my Coinbase account on XX/XX/2018 at a time when I wasn't even able to make purchases. I received nothing for the {$500.00} and immediately contacted coinbase. After numerous phone calls, I have only been told that they " have a ticket open for me. '' It has been almost a month and they are holding {$500.00} of mine that I clearly never sent to them, and for which I have received no products, services, etc. 

For as long as I am seeing no real action or attempt to reconcile this on their end I consider this to be fraud as they extracted funds from my connected account without my permission and have largely disregarded my attempts to reconcile the claim.