davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation (AZ)

FORTIVA REPRESENTATIVES ARE VERY RUDE. THEY WILL NOT LET YOU SPEAK AND OR TALK OVER YOU AFTER ASKING YOU A QUESTION. 

THEY CONTINUALLY DO THIS IN A VERY SET PATTERN AND IN MY OPINION ITS FOR ONE SIMPLE REASON, TO GET YOU SO UPSET YOU JUST PAY THE BILL AND HANG UP. 

MY CONCERN IS STILL THE SAME THAT THEY REFUSE TO ISSUE MY 6 MONTHS OF CREDIT PROTECTION TO THE ACCOUNT WHICH LOOKING OVER THE ACCOUNT WOULD ALLOW AN ADDITIONAL XXXX XXXX XXXX $ TO BE REMOVED FROM THE ACCOUNT TOTAL. 

CREDIT PROTECTION DEPARTMENT REFUSES ON THE REGULAR TO ISSUE ME A COPY OF THE FORM NEEDED TO GET SAID BENIFITS THEY ARE PLAINLY STOPPING ILLEGALLY ME FROM OBTAINING ACCESS TO THE THINGS I PAID FOR...
Consumer complaint received 2022-07-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

On XX/XX/2022, out of the blue, without any justifcations or explanations I receive an email from Coinbase stating that they have blocked my account for security purposes and that I can no longer trade nor withdraw funds from my account. 
I immediately try to contact them via chat, or phone, but both channels are a farce as they have NO agents in line. In both cases it is just a machine providing solutions to technical problems, with no possibility of escalating to a real person. 
I opened a ticket in their system and again, have received no response, in the space of 11 days. After several followups. 

It is clear to me that they have liquidity problems and are withholding funds from users, under the pretext of security purposes.
Consumer complaint received 2018-10-24
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)

Credit Card shows XXXX XXXX not my account my name is XXXX XXXX account doesn't belong to me. SS number and name doesn't match. SS Card number and name is XXXX XXXX. 

FTC report filed for two accounts XXXX XXXX XXXX and XXXX. Also inquires are not mines I have a fraud alert that one must contact me at number listed before credit is issues. I was also part of a breach
Consumer complaint received 2022-07-25
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Ria Envia, LLC (NJ)

Its XXXX XXXX XXXX and i send money on XXXX and i send money from USA to XXXX. Combany Address is ( Continental Exchange Solutions , Inc. XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX Fax : XXXX XXXX XXXXXXXX Website ( XXXX XXXX XXXX ) Transaction details Client Number : XXXX Contract Number : XXXX Contract Date : XXXX Total amount - XXXX USD After 19 days they i didnt receive my money and i try to contact them but they are closed on this weekend. And today when i as them they told me my money is not processes from their bank and they will refund in 5 bussiness day and they not sure about its. Its already 19 days they took money from my account and i have to pay hospital bills to my parents and also i need to pay apremium and its due date is today. For this company i lost more than XXXX  USD as a fine in XXXX. This combany dont care about it. They did bussiness with my money and they saying they will return but they not sure when. they took my money almost one month and also they still not refunded. Please take serious action and they need to pay extra that i lost because of them.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Dear Sir or Madam, There was a fraudulent XXXX Transaction from my checking account ( Chase ). 
XX/XX/2022 XXXX payment to XXXX XXXX XXXX XXXX debit - {$2000.00} XX/XX/2022 Completed XXXX XXXX Real-time Open information dialog : In network : Real-time transaction Hide details, hides content below {$2000.00} Checkmark : We sent money from TOTAL CHECKING ( ... XXXX ). 

Mobile XXXX Transaction XXXXXXXX I contacted Chase and they are insisting that I authorized it. I never authorized it. Called Chase as soon as I saw it on my account ( within a few hours ). 
Chase has no intention to investigate the case and make sure it never happens again and they are not willing to refund XXXX back to my account. I offered to provide with the printout from my phone carrier which will be a proof that I never authorized the transaction. They denied. I have not received any papers from them stating the investigation took place. They refuse to talk to me, reopen the claim or transfer me to a legal department. When you XXXX the phone number from the transaction it clearly says it belongs to robocall, which in my opinion is good enough reason to accept it was fraudulent transaction. I do not have this recipient when I log into Chase either.
Consumer complaint received 2022-07-25
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and remove : XXXX XXXX
Consumer complaint received 2022-07-25
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. (LA)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX Balance : {$400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$500.00} ; XXXX XXXX {$10000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$4000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$750.00} ; XXXX  XXXX Balance : {$460.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2022-07-25
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. (NV)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : PREMIUM Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo offered me a balance transfer. I accepted this and created an online transfer to XXXX XXXX XXXX in the amount of {$2600.00}. I have the Wells Fargo e-mail confirmation dated XX/XX/XXXX. I received a fraud alert on Monday XXXX for a {$5300.00} charge. I called the fraud Dept. Told them what I was doing on XXXX. I was told this had been entered twice by mistake. I was told they would fix the issue and get this transfer done. I called back on XX/XX/XXXX as I had not seen the transaction. I was told both were cancelled. I told them this was incorrect. They got me with another rep and I went through the whole transfer process on the phone. I called to check early tue following week and was told the transaction hadnt posted yet. I called back on XXXXas the transaction still had not occurred. I was passed off yet again to their complaint Dept. This lady sent me an e-mail XXXX XXXX is her name. I replied to her e-mail and told her this could still be corrected until XX/XX/XXXX. I received a call from XXXX XXXX and she told me about an e-mail she was sending. This e-mail was not going to correct the situation I requested on multiple times on hold to speak with a Supervisor. I was never given a Supervisor. She finally agreed to try and process the transfer. I told her I wanted a transcript of our entire phone call. She said I could send the interest charges that would accrue because if their failure to her and she would get it taken care of. She again had trouble with the request. She said she would call me back after she talked with someone else. I have yet to receive this callback. I am completely frustrated and angry at Wells Fargo. I gave them over 3 weeks to get a simple balance transfer completed and it still has not happened. I have never in XXXX  years had such a terrible experience with a bank.
Consumer complaint received 2020-06-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Millco Management (FL)

I HAVE HAD THIS PROBLEM FOR MANY YEARS WITH THIS COMPANY, THIS IS FROM XX/XX/XXXX, LAST YEAR THEY REPORTED THIS DEBT AS AS LATE IN XXXX, IT IS FROM XXXX, JUST LAST MONTH THEY REPORTED THIS AS LATE ON MY CREDIT REPORT DROPPING MY SCORE 8 POINTS, THIS IS A MEDICAL DEBT I HAVE INFORMED THEY THAT I AM AN XXXX VETERAN, THAT IT IS TO BE BILLED TO MY VETERANS AFFAIRS OFFICE AS, THEY ARE RESPONSIBLE FOR PAYING ALL DEBTS FOR HOSPITLIZATION, ALSO I HAVE INFORMED THEM THAT I AM XXXX XXXX  XXXX XXXX VETERAN I RECIVE SOCIAL SECURITY AND VETERAN BENEFITS, I HAVE INFORMED THEM, AND THEY SAID IT WAS ON MY CREDIT I AM ATTACHING DOCUMENTION SHOWING THAT THIS DEBT IS FROM OLD, THAT THEY HAVE CONTIONOUSLY REPORTED LATE PAYMENTS, THAT IT HAS DROPPED MY CREDIT SCORE THAT THIS IS UNFAIR, YOU CAN SEE VIA MY UPLOADS, WHEN I MADE A COMPLAINT WITH THE CFBP, THE FIRST TIME IN XXXX OF XXXX THEY SAID THE DEBT WAS FROM XXXX, IMMEDIATLEY IN XXXX  THEY REPORTEDED IT LATE EVERY MONTH, TIL CURRENT DATE CHANGING THE DATE IT WILL DROP FROM MY CREDIT REPORT, FROM XXXX XXXX XXXX THIS IS UNFAIR, AND ILLEGAL
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

This company has not recognized my right to privacy by reporting this alleged debt to the credit reporting agencies. I have not given consent for this alleged debt to be reported. I believe this is a violation of 15 USC 1692d ( 4 ). This company has also not verified this alleged debt which was requested in XX/XX/2021.
Consumer complaint received 2022-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OR)

Loancare , LLC services my mortgage loan. They require I have an escrow account so they can pay for the home insurance and property taxes. Every year they have failed to make one or more of these payments despite my detailed, documented and explicit instructions. They take my money and hold it all year without intention of making the payments they are contractually obligated to pay. They have let my insurance policies lapse multiple times and required me to pay for them out-of-pocket despite my payments to the held escrow account. Additionally, I have requested for them to provide me with contact information for the proper regulators and authorities to resolve this dispute, they refused this request on multiple occasions. Finally, I have requested a physical address to serve legal notices and like communications and was also denied this information.
Consumer complaint received 2018-10-24
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX This is a fraudulent debt collection. I do not authorize this. Please investigate.
Consumer complaint received 2022-08-01
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. (CA)

As a consumer I am aware of certain rights I have that are protected by Congress under the Fair Credit Reporting Act ( FCRA ). 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX  XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

paypal stole {$11000.00} in donations from me I have used the following donation links provided by paypal XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX this money was supposed to help my business survive during the corona pandemic all the sudden paypal did freeze the funds without any proper explanation. on the phone I was told I will get the money in 180 days. 
when I checked my account I saw paypal did WITHDRAW ALL FUNDS TO THEMSELVES. 
THIS IS ROBBERY! 
ALL DONORS ARE GOING TO FILE CRIMINAL CHARGES AGAINST PAYPAL AND I WILL JOIN A CLASS ACTION LAWSUIT IF I PAYPAL DOES NOT SEND MY FUNDS IMMEDIATELY!
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (NC)

AFNI collections put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I request that AFNI verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If AFNI is unable to provide the above identifying account information, this account must be deleted from all CRAs. AFNI also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. Their address is XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2022-08-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo I inquired about my daughter applying for a mortgage assumption on a loan in my name. The approximate loan to value is 65 %, loan balance is XXXX I have paid on time since loan began three years ago. As part of covid I asked for payment deferrals. I deferred about {$5000.00} which got added to the end of my loan, my daughter was unemployed and I am XXXX 

I was told because there is a lump sum added to my loan {$5000.00} that this made the loan ineligible for mortgage assumption. So the federal government passes laws to assist people during covid and you follow the rules and they are now held against you, you can't make this up. I worked for banks and am on the Board of a bank so I understand the process. No wonder Wells Fargo has such a dismal image they keep working on it.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background (TX)

My criminal background or consumer report was requested from a company called XXXX XXXX, on XX/XX/2021. XXXX XXXX requested consumer information for the past 10 years. XXXX XXXX XXXX County put outdated and incorrect information on my credit report multiple times and XXXX XXXX may not hire me because of this incorrect information. There is a disclaimer on the bottom of the report stating my rights and it states, Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. The information was not only inaccurate, but OVER the ten-year request. This information needs to be removed immediately.
Consumer complaint received 2023-03-09
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. (MN)

I am not a 14th Amendment Citizen and a Secured Party Creditor, I have all proper documents in public record. My FEE per Trespass is {$300000.00}. My LEGAL FICTION ALL CAPS NAME is now copyrighted and I placed a $ XXXX Lein against that PERSON... Any company, man or woman wants to use it, borrow it, or administrate it ... compensation is required. I gave XXXX many opportunities to Remove my information out of their database and remove their information off my credit report and if they did not... Tort Claims will be filed. They ignore me and have made no effort to contact I. Now Compensation is required for Administrating Property Without Right, Consent or Contract ( Trespass ) and they're ordered to remove their information off my credit report. 15 USC 1666 ( d ) HJR-192 of 1933 ALL DEBTS ARE PAID. There is no money in circulation by fact. Upstart is in violation of multiple title 15 codes + causing harm towards a man which is a CRIME by LAW.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

I was alerted by a credit union that my Discover card was closed. This is the second time they have messed up my credit by just closing my account. I spoke with XXXX who just said they will call me back and that I spoke with someone about sending a 4506. I never spoke with anyone at Discover prior to her and all she could say was I needed a 4506 verification for a card I have been using which sounds like some mess they do when they want to mess up your credit because I have tons of credit cards and this has never happened. Well over XXXX in credit. I need my credit score returned to what it was and I need something done about my cash back money they kept. Im appalled at their lack of professionalism!
Consumer complaint received 2020-06-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (TX)

XX/XX/2020 To whom it may concern : I would like to file a complaint against a collection agency by the name of Client Services Incorporated. 

This Company is harassing me for a debt that they claim that I owe to XXXX ( XXXX ) at XXXX. 

This company has consistently called my cell phone several times a day, they have been harassing me without even prior verification of the debt that they are claiming that I owe. 

The enclosed collection letter, I just received from them on XX/XX/2020, and I want to make it clear to them that I do not owe XXXX any amount of {$410.00}. 

I did not run up any balance of {$410.00} to the above named creditor, and I want this collection agency to cease and desist from contacting, and harassing me, or I will contact an attorney. 

I want Client Services Incorporated to remove any, and all collection information that they have placed onto my credit files, as well as their company files. 

Any communication from this company is to go through the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau, can contact me. 

I want hard copy proof from a letter with their letterhead when they have removed any, and all derogatory information from my credit files. 

I would like proof that this company is licensed to collect in my state, as well as I would like for them to provide their license numbers, and Registered Agent documentation.