davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc. (AZ)

In XX/XX/2019 I had an observation stay at XXXX  XXXX. A month later I received a bill from the hospital for {$5000.00} and I realized that they didn't charge my secondary insurance, only my primary. I called the hospital on 2 different occasions and provided them my secondary information to run. In XX/XX/2019 I was sent to collections for the full amount of {$5000.00}. I contact RevSolve, who is the collection company handling my account and explained the situation. They acknowledged that only the primary was charged and said that I was still responsible for the full amount, even though it is the hospitals fault for not running my secondary. They refuse to correct the situation and continue to try to collect {$5000.00}, which they acknowledge is incorrect.
Consumer complaint received 2023-04-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (ID)

When they called me Wells Fargo said I don't have no accounts existing or even having any kind of account they said I was negative in my account which it was fraud account I at the time it was the fraud department did not do their job they end up charging me tons of money like over {$2000.00} in debt when I had over XXXX XXXX dollars in Wells Fargo please help me regarding this matter I have original documents I have the stock of Wells Fargo on my wallet accounts the original stock market stock certificate for Wells Fargo I was given this by my inheritance from my dad please deal with this as soon as possible we continue to have an investigation on Wells Fargo and nothing gets done no one contacts me except one guy at the Wells Fargo CEO Company also wealth Management for Wells Fargo gets hold of me and they say they're not doing anything for me I am the CEO of Wells Fargo and originally hold her because they have authority over me did not make them right I am without food I have Little shelter I'm living the way I can for right now it's not fair enough for me having {$250.00} XXXX dollars and not be able to get a hold of it because they're greed because they want to be power and control I want to sue them the much as I can and continue to have accounts with Wells Fargo that's my grandma XXXX 's name and Fargo Wells Fargo and Fargo got married that's the reason why they joined it together it was called Wells then it was called Fargo because they want power control I want them fired and no longer working for Wells Fargo anymore I want to hire a new crew to do what I asked him to do I'm also in college up in XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX I can pronounce the word because my English is horrible I don't understand my own language please I want something legally action done to it please help me do an investigation all over again I just remembered to come back to you I forget I got hit in the head 2 years ago and it almost died had three XXXX since then I almost lost my life please help me
Consumer complaint received 2023-03-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2022, I was a victim of a phishing email scam. The email came from what looked like XXXX. The email was : XXXX In the email they sent an invoice of {$500.00} I bought in bitcoin. I have never bought bitcoin. So I called the number at XXXX to dispute the transaction. The other person on the line was incredibly professional and convincing. He claimed the charge came from an IP address in Texas. I have no association with Texas. They wanted to verify my IP address by sending money through XXXX. This was to verify my IP address. They assured me the money was going to come to me instantly again from their manager, XXXX XXXX. The XXXX tag was registered as XXXX. I ended up sending 2 transactions to them. One for {$1300.00}, and another for {$1300.00}. The money was taken right away. They hung up and that was it. I rushed to my nearest Wells Fargo bank and explained everything. I filed a complaint and got all new accounts. I had filed a complaint here but nothing came out of it. Until today I read about Regulation E. It seems I may have a chance through this Federal law. XXXX scams are becoming rampant as of late. XXXX XXXX has been looking into this issue and asking questions. I ask that you please consider my case again and find another reason as to how I can get a refund. Receiving this money would be life changing. I'm looking forward to hearing back from you. Thank you!
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (PA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2020-11-17
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. (CT)

I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted XX/XX/XXXX and they are refusing to remove these fraudulent account as well as TransUnion and I am not able to gain access toXX/XX/XXXXso that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting XX/XX/XXXX I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.
Consumer complaint received 2021-06-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

Company can not verify its me and/or not my name. 
Reporting with XXXX  etc.. flagged for Collection grid code XXXX XXXX collection ). 

There has been identity theft in my name and someone else have the same name that lives in XXXX XXXX, NV and other places.
Consumer complaint received 2020-12-10
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. (IL)

I put in a dispute of the incorrect items placed on my file to be reviewed. The Bureau stated it was verified in XXXX. In XXXX I requested validation information on the verified information. The Bureau stated it was verified again. I did not receive any contracts bearing my signature, contact information of the parties that the company spoke with, or a method of their verification. This is a violation of my rights.
Consumer complaint received 2021-06-04
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CAP ONE Account Number : XXXX This is not mine 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXate of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 
.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Complaint XXXX was closed by Experian with an automated response that they gave on another complaint different from this one. Experian request a 100 word statement specifying my dispute issue and I have submitted several dispute letters over 100 words detailing my issue with a bankruptcy that is reporting on my Experian credit report. When reporting information it must be complete and accurate. How can you verify information from a consumer reporting agency and say it's verified and accurate. To file bankruptcy you must have accounts under the bankruptcy and financial amounts to be including in the bankruptcy. You must have the full correct account number and also when the bankruptcy was filed must be correct. Full name of where the bankruptcy was filed. The credit bureaus should not be reporting different information about the same bankruptcy and saying its verified information. The bankruptcy that is being reporting has no accounts, no financial information, different dates it was filed how is this a verified account? I explained this in detail in several dispute letters. I have proven this in the credit report I submitted with all 3 credit bureaus. Consider this once again my 100 word statement. At this point if the issue is not resolved I will move forward with the litigation process.
Consumer complaint received 2020-12-10
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. (CA)

On XX/XX/XXXX we ordered 200 face masks from XXXX for {$190.00}. 

On XX/XX/XXXX XXXX ( under the name XXXX ) emailed us the shipment was on the way. 

On XX/XX/XXXX we emailed XXXX to cancel the order. On second look we felt the website was bogus and lacked basic track your order here screen input, no chat, no phone number. 

On XX/XX/XXXX XXXX  emailed us the USPS shipping label number. The USPS tracking website showed the Label created, not yet in system. ( attached ) On XX/XX/XXXX we disputed the charge online with Citicard as the shipping label showed created not shipped, the merchandise was not received and XXXX did not respond to our email. 

On XX/XX/XXXX Citicard emailed XXXX responded and that response would be provided to us in 10 business days, XX/XX/XXXX. Citicard did not provide it by this date but on XX/XX/XXXX. 

On XX/XX/XXXX Citicard charged our account for {$190.00}, reversing the temporary credit. 

On XX/XX/XXXX I emailed Citicard and demanded the {$190.00} be reversed. 

On XX/XX/XXXX Citicard provided us a letter dated XX/XX/XXXX with XXXX response via XXXX XXXX Citicard states to dispute this charge Documentation such as a confirmation email that proves you cancelled the transaction with the merchant. We provided such documentation. 



OUR COMPLAINT Citicard relied completely on XXXX XXXX. response and ignored the fact we canceled the order in an appropriate timeframe. Internet vendors, per FTC rules, can not demand customers wait more than 30 days for their merchandise. Citicard relied entirely on a shipping label created by XXXX but never shipped. 

We canceled the order within 3 days, notified Citicard within 11 days of the order and did not hear back from Citicard with definitive information untilXX/XX/XXXX 38 days from the disputed charge filing. 

In our XX/XX/XXXX and 15 emails to Citicard we stated XXXX is not entitled to payment as merchandise has not been delivered, no communication from XXXX whatsoever, there was no longer a XXXX  website and the USPS and XXXX Mail tracking numbers were nothing more than labels created but not in their systems. 

Demand is hereby made Citicard refund our {$190.00}.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX Account XXXX : XXXX has violated my rights. Or a list of Inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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.
Consumer complaint received 2020-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX HELOC - I began refinance of my Home on XX/XX/XXXX. Credit report showed paid as agreed for XXXX XXXX HELOC. This account was also verified with XXXX XXXX XXXX and me on the phone and XXXX XXXX stated that there were no late payments The mortgage company ran our credit a few more times and surprisingly on XX/XX/XXXX XXXX XXXX added a late payment for XXXX which is not correct. I have made all my payments on time and in 14 months have not received one late payment fee. I have been working with XXXX XXXX HELOC department to rectify this since XX/XX/XXXX and the late payment is still on the credit report. This is incorrect and XXXX XXXX is not returning messages although I have a dedicated individual that is supposed to be clearing this up. After speaking to a representative today they can't seem to explain but told me I was late in XXXX. I have a copy of all payments for the last year and I was not late once. Now our FHA refinance is in jeopardy. XXXX XXXX is one on the worst organizations I have dealt with.
Consumer complaint received 2024-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 TransUnion, XXXX XXXX XXXX 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. TransUnion, XXXX, XXXX 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 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person XXXX XXXX ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I submitted a request to coinbase.com on XX/XX/XXXX for help with my account. They got back to me on XX/XX/XXXX saying that A support member would be in contact with me to fix the issue. In the mean time I called twice and waited 2 hours on the phone with an operator only for them to tell me they couldnt help me and to wait for an agent to respond to my email. They even told me I would be put on the priority list. I continued to email them 5 more times since XX/XX/XXXX until today. Still havent heard a single word regarding my complaint. This has caused my funds to be unnattainable for over a month in a market that moves every hour of every day.
Consumer complaint received 2021-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

On 6 of my student loan accounts the bureaus are reporting inaccurate information .The credit bureauIs are reporting that I was 90 days late in XXXX of 2019 ( TransUnion and experience ) and XX/XX/2019 equidad. however at no point did they report I was 30 days late or 60 days late the months prior. I have wrote them several letters and they refuse to fix the issue. I am asking for this to be deleted immediately
Consumer complaint received 2020-06-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

This private lender servicer ( Firstmark ) is not applying payment principal correctly. I've asked them twice to tell me why the amount applied to principal for every payment varies so widely. For example, the last two payments were made within a day of each other : 1. XX/XX/20 payment : {$120.00} principal, {$42.00} interest 2. XX/XX/20 payment : {$83.00} principal, {$86.00} interest They then sent me a standard response about how they calculate. Using their own computations, I can't get the distribution above. 

This is just two examples. 

My daughter borrowed {$8300.00} originally from XXXX XXXX XXXX. Then they " capitalized '' thousands of dollars in interest, and now my my daughter owes more than she initially borrowed. This is a travesty - she attempts to improve herself with a great education, and she ends up owing money to legal loan sharks. 

Please help her and me. I am a co-signer for her loan. 

Thank you. 

XXXX XXXX XXXX