davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
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: EQUIFAX, INC. (FL)

I had some issues withe a negative account being reported on my credit report, so I disputed the item on XX/XX/2020 but never received a response from any of the bureaus, I though that it was because of COVID19, but it has been more than 2 months, and I have yet to receive anything in the mail. 
The account disputed was XXXX XXXX, account number : XXXX. I would like to receive a response back pertaining to this matter, as I am in the process of purchasing a home, but I can't move forward without this.
Consumer complaint received 2021-10-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

On XX/XX/2021, I discovered that my Coinbase and Coinbase-XXXX accounts had been compromised, and all available funds ( about {$21000.00} ), were taken. As there are no phone numbers to call, I promptly reported the incident on Coinbases website and received an email notifying me that my complaint was recorder as Case # XXXX ( Exhibit XXXX ). 

On XX/XX/2021, I received an email from Coinbase with the subject ; Case # XXXX - Complaint # XXXX, indicating that on XX/XX/2021, an email was sent to me requesting to reset my password ( Exhibit 2 ). I never received such request.

It has been almost five months, getting close to half a year, since the incident was reported, and no resolution has been provided. The financial implications of the go beyond the loss of the account funds, as a result I will be facing are tax liabilities as well.

I recently learned that Coinbase publicly acknowledged that at least 6,000 accounts were hacked due to a flaw in an internal process, and their funds were stolen during the time and in a manner like how my account was compromised ( Exhibit 3 ).
Consumer complaint received 2018-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

I scheduled two payments to be made by Wells Fargo to my accountant. The bills were for the same amount to be paid on the same day. When I scheduled the payments I inserted different invoice numbers in the memo line, ensuring that they were not duplicate payments. 

However, the day before the payments were to be sent Wells Fargo - ON ITS OWN - sent me an email telling me it had cancelled one of the two payments. The email was titled " Wells Fargo Bill Pay : Duplicate Payment Not Sent '' and it said : " We did not send the following payment because you had already scheduled another payment to this payee for the same amount on the same date, and the two payments appear to be duplicate payments. '' So I then had to RESCHEDULE the payment that I had PROPERLY scheduled, making me late paying my accountant. I contacted Wells Fargo to complain, and they responded : " In your email, you indicated that these two payments were not duplicates since you had provided information on the memo line about two different invoice numbers that were being paid. Please be advised that we do not review the information provided in the memo line when determining whether or not a payment is a duplicate as the cancellation is done systematically and is only based on the fact that two payments were scheduled for the same dollar amount on the same day. '' THAT IS CRAZY. Their system reads : Bill Pay Bill Pay : Duplicate Payment Not Sent It was OBVIOUSLY not a duplicate payment because I had included different invoice items. Wells Fargo has NO RIGHT to cancel payments I schedule without advising me, especially with no notice except on the date the payment was to be sent. If they thought it was a duplicate they could have asked me, rather than taking UNILATERAL ACTION AGAINST MY EXPRESS INSTRUCTIONS.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

m not liable for this debt with XXXX XXXX XXXX XXXX  XXXX, XXXX. XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ). I do not have a contract with XXXX card, XXXX. XXXX, XXXX, and XXXX. They did not provide me the original contract as requested. There needs to. be a correction to my credit report. I demand that this item be removed immediately. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (KY)

I banked with chase for over 10 years. I still have a XXXX  card ( chase XXXX  ) and also mortgage for my house ( balance about XXXX $ ). 

However, out of the blue the bank closed my personal bank account balance about XXXX $ and the combined account with my wife about XXXX $ on XX/XX/2021. 

Both me and my wife have gone multiple times back to the bank or called the contact provided so that I can get the funds that were in my account but have so far failed. 
They claim I am under investigation so they can not release my funds but can not even tell me or my wife what it is about. 

I did have credit cards with chase from the airlines personal and hotel cards. those were all closed and had XXXX balances.
Consumer complaint received 2021-05-30
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. (OR)

Equifax is reporting XXXX XXXX XXXX to my consumer report. Equifax is in violation of 15 usc 1681b. And Equifax is willfully in violation FCRA. Under 15 usc 1681b Permissible purposes of consumer reports 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 never gave Equifax any written consent to report anything on my consumer report, No consent is Identity Theft. I am distressed that Equifax is reporting without my written consent to my credit profile and Equifax has failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports that they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Equifax is abusing me by and hurting the ability for me to provide for my son. Equifax is impeding and impacted my my credit and is hindering me from progressing in my life. Equifax is damaging my life.
Consumer complaint received 2018-02-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I believe I'm bring improperly charged for interest. For the past 3 years, I've been on automatically debited payments, but have still been reported as delinquent. I was told numerous things, by numerous customer services reps one let it slip that my interest was being calculated incorrectly.
Consumer complaint received 2018-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

This company is trying to collect {$97.00} from me for a debt they claim I owe. I have written them several letters since XX/XX/2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2018-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAPITALONE with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2018-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

A complaint was filed against this company with the FTC and CFPB in XX/XX/XXXX in regards to a XXXX XXXX   account. The work done that was charged to my store credit account was not acceptable. I subsequently refused to pay, and the account was charged off. I was in contact with a member of the Executive Team who was assigned to handle my complaints. She stated a portion of the bill would be removed and the other portion I would be responsible for. I told her I did not accept this agreement, as the work done on the vehicle was not acceptable by any reasonable standards and I didn't feel it was right I had to pay. In XX/XX/XXXX, XXXX XXXX reported the account as charged off a second time on my credit report, in response to the complaint I had filed and my refusal to pay. This second charge off added additional time to the amount that this account would show derrogatory. In XX/XX/XXXX, a dispute was filed with Experian in regards to the additional charge off. Experian " verified '' this change and yet another charge off was reported on XX/XX/XXXX.
Consumer complaint received 2023-04-06
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. (OH)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

I called the company a few weeks ago and asked them when they would stop reporting to credit bureaus and I was told that it would be removed once my bankruptcy has discharged. My bankruptcy has discharged and they are still reporting to the credit agency Equifax that the account is still open in collections.
Consumer complaint received 2018-07-28
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: Experian Information Solutions Inc. (FL)

For the last four years Ive been disputing an account by XXXX  on my credit report- around the time my identity was taken and I was XXXX  in the hospital, this loan for a car was taken out with my name on it, by my roommate whom I know is the one who stole my information and her car dealer friend used my social and credentials - this is taking a toll on me and my family - given the fact that Im already XXXX and things are already hard, I cant get a house because i have this car on my credit, when I dont even drive! Nor have I ever seen this car. Please help me Im at my wits end : it was removed and then put back on my report and I dont know why when this account was fraudulent - I even sent them a police report from when my wallet and important documents went missing from my home - I have disputed this multiply times and the company is harassing me about this account and saying Ill be arrested and they can freeze my bank accounts, I only have XXXX! I cant even afford my rent, let alone a car - that isnt mine! My name is XXXX XXXX, Im going to have a XXXX XXXX XXXX, Im XXXX and XXXX  XXXX and I cant take this anymore Nd need to move on with my life - I cant even buy a house for my family or get a loan bc of this ignorant person taking my identity
Consumer complaint received 2021-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (FL)

I AM A VICTIM OF IDENTITY THEFT. AMEX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-07-28
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: TRANSWORLD SYSTEMS INC (PA)

A derogatory report is shown on my report. I filed a dispute through XXXX and received notice of investigation 's results. Transworld System Inc. verified this account as mine and that result is completely false. Transworld represents XXXX rent a car which asserts I opened an account on XX/XX/2016 and owe {$510.00}
Consumer complaint received 2018-07-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (TX)

I received a payday loan from the XXXX XXXX approximately XX/XX/XXXX. I made approximately 4 or 5 payments on time and could not keep up. I contacted the store about possible options. They told me I would have to contact the corporate office. I spoke with a representative in collections approximately 3-4 months later about making a payment. The representative said if I paid the amount listed the company would take a loss because they were not making any money off the loan. I apologized and told him I was trying to get the debt settled. He accepted payment on the phone and I never heard anything else about it until last week. I now have a collection for {$150.00} from National Credit Adjusters. I have been looking through my personal statements in attempt to find the exact amounts and dates paid. I can only recall that the loan was over {$1200.00}. XXXX XXXX said the loan was {$1200.00} and it was opened on XX/XX/XXXX. They can not give me any payment information. They can not tell me how much I paid or when. They told me the account was sold to XXXX XXXX XXXX. I have since spoken to XXXX XXXX XXXX, XXXX XXXX XXXX, National Credit Adjusters and XXXX XXXX XXXX. No one can provide any documentation proving I obtained the debt and still owe {$150.00}. I made a single payment to resolve this debt. There is no way possible I still owe {$150.00}. The collection showed up on my credit report this month. I have not been able to resolve this issue and no one can provide any proof of prior payments. I spoke with XXXX XXXX on XX/XX/XXXX. He said the companies cant retain all of that information and told me I was wasting my time to investigate and it would be easier to just pay it. He could provide any proof that the money is owed.
Consumer complaint received 2023-03-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (LA)

On XX/XX/2023, I entered a consumer credit transaction, not a loan with Credit Acceptance. I entered a consumer credit transaction agreement without transparency regarding the process of the consumer credit application being a financial asset. I now know that my signature is what created the security. According to the Federal Reserve Act Section 16 Part 1 and 2. The application was deposited into the Federal Reserve Bank for the dollar amount of the consumer credit transaction. I am the holder in due course and the XXXX. This is what makes this a fraudulent transaction. Credit Acceptance was already paid when they deposited my credit application into the Federal Reserve Bank. Now they are reporting a balance on my credit report as a debt. How can I owe a balance when they have already paid for the transaction. Credit Acceptance knowingly and willingly entered into a false and deceptive consumer credit transaction with me. the consumer. Credit Acceptance accessed my ( XXXX ) Treasury Account, only to make it appear as though they were loaning me money ( application ) and charge me interest. There was never any money given to me in this transaction. Credit Acceptance was also asked to show where they loaned me physical cash from their own assets and as stated earlier, they never responded to the debt validation/notice of dispute request. This entire transaction is fraudulent and misleading. Although I wish to resolve this matter amicably, I am prepared to seek compensation for damages for Defamation of Character, Securities Fraud, Trust Fraud, Fraud, Embezzlement and RICO. 
Credit Acceptance also violated numerous TILA and FDCP laws regarding fraud and my consumer rights. I know that I have a right to ask for debt validation according to Federal Law. Credit Acceptance has ignored all requests thus far. 
I also asked them for a copy of the actual contract with my wet ink signature and they mailed me a picture of the electronic signature agreement. 
I mailed Credit Acceptance a Debt Validation letter requesting a financial ledger regarding this fraudulent account and they mailed me a 1 page document called ACCOUNT NOTICE, still attempting to collect on this fraudulent alleged debt. I also intend to reach out to the IRS for an audit and an investigation of Credit Acceptance financial business practices. As of the time of the filing of this complaint, Credit Acceptance has not reached out to me to try to come to some type of resolution.
Consumer complaint received 2021-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Someone opened an account with USAA and took out a loan in my name or with my name co-signed. I have no knowledge of this account. I have attempted to resolve the issue multiple times with USAA. I have sent the FTC Identity theft report to the USAA mailing address, only to have the letter returned, saying not deliverable as addressed. The address is listed online as follows : Contact USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX By Mail Only. 

I called USAA once more on XX/XX/21 and spoke with XXXX, employee # XXXX. I was told to hold and then someone hung up, dropping the call.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. {$56.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$840.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$26.00} Credit limit {$750.00} Highest balance {$1000.00} Pursuant to federal law statutes banks can not report late information to the credit bureaus..
Consumer complaint received 2020-11-04
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: Experian Information Solutions Inc. (CA)

Today XX/XX/XXXX I just found out that my social security number was used to open a account at XXXX XXXX XXXX # XXXX OPENED ON XX/XX/XXXX $ N/A I have never opened this account with my personal information nor have I given anyone permission to obtain any vehicle or purchase from this company. I have not received any type of goods or ever benefitted from this account ever being open. I do not know who used my personnel information and I have filed a police report to my local police department I XXXX XXXX have sent more than enough supporting documents to have this account removed.