davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2019, I needed a bank check because I was closing on a house purchase. Some of the money for this check was from my account and XXXX of the money was cash that I brought into the bank ( XXXX XXXX dollar bills ). The bank teller at Wells Fargo in XXXX, Minnesota took my cash and ran it through the bill counter and very quickly placed it in the cash drawer. I asked her how much money she came up with and she said XXXX. I indicated to her that wasnt correct. She was evasive and would not look at me or converse. Her behavior was very suspicious. Due to time constraints of the closing I was rushed and did not process what had just happened. I was shorted XXXX dollars and never showed the bill counters receipt of what was counted which is the procedure. It was suspicious that she quickly placed the money in the drawer without telling me what she had come up with. I had to ask. I later processed what had happened and decided to make a complaint to the bank. I asked the bank to review their video surveillance to see what had actually happened and to see if the teller had skimmed the XXXX dollars at a later time. The bank teller supervisor ( XXXX ) was unable to produce the money counter receipt and she admitted to me the procedures were not followed. She said she couldnt review the video and I was directed to a corporate staff member. Her name is XXXX telephone number XXXX. I talked to her once and have never been able to reach her again. She has never called be concerning this investigation. Ive tried to call her many times to no avail. The call goes to her voice mail where the box is full. It directs you to an operator where the call just hangs up. The local bank staff tried the number as well and had the same results. The local bank staff appeared to want to help me but were unable to make this decision and said they would run this issue up the chain of command. This process of spinning me went on until the first week of XX/XX/XXXX when the bank manager told me her boss had decided against me. I asked for explanation and was told they couldnt tell me anything. I asked for the evidence of the receipt and video results so that I could understand. Ive asked for procedures to be explained when counting cash. They will not explain them to me. I have visited other Wells Fargo Banks and they discussed and provided proof of all discrepancies regarding cash. She said she couldnt provide me with anything. No due process! I believe a federal crime has been committed by this bank teller. The bank is covering this incident up.
Consumer complaint received 2021-07-17
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account
Consumer complaint received 2021-07-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (AZ)

I came across Spotloan loan service and received {$800.00} for a loan on XX/XX/21. The APR is 490 % which I believe to be illegal. I want to report this company as its operating on an XXXX tribe getting away with charging people illegal APR for such small loan amounts. Thankfully, I paid my loan off and have copies of confirmation of this. However, I am dissatisfied with the fact they charge 490 % interest on such low loan dollar amounts.
Consumer complaint received 2020-01-18
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.
Consumer complaint received 2019-09-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC (MD)

I need four tires for my car and i called them and they told me the file an application on their website and if approve they will send me to a dealer which they did. I called the dealer on the phone. I told him that i was referred to him by ACIMA. We both talked about the tires and i told him i needed continental tires. he completely discredit this brand and recommended his brand. Couple of days later he text me a photo of four tires in his garage. and i replied back and said denied- i do not want. two days later i called ACIMA and told them that the tire the merchant text were not new and they seems to be laying in his garage for a while. I want them to cancel. They refused. they told me i should talk the merchant to send them a cancellation invoice I told them that he refused and he wanted me to pay him {$100.00} dollars. I do not received the tires and ACIMA keep debiting my account. They took {$53.00} during the initial application and another {$25.00} onXX/XX/XXXX as  a monthly payment
Consumer complaint received 2018-12-22
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A. (NY)

I have signed up with Citibank for alerts on my account to stay in know with my account balances. On numerous occasions i have recieved alerts that were incorrect. The alert would state that i had x amount available in my account on the present day and time however the actual amount in my account would be significantly lower. I would never be informed of my correct amount and i would never be informed if my account was overdrawn because apparently the payment wouldnt post to the account until after it has been returned and i have been charged by the bank. After numerous phone calls and complaints all i receive is a sorry ms. .... are you signed up for account alerts? Which i very well am but however that and all is incorrect! Im tired of Citibank robbing its cust for their hard earned money!
Consumer complaint received 2022-08-28
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. (LA)

XXXXXXXX XXXX XXXX On this account I ask them to verify & validate this account with signature. Information according reports dont match after I receive updates and copies of reports. Requested copies of contract with signatures never received along with price of car sold at auction if price included dealer upgrades of leather seats and doors in sales of car. If not the gave away the car at a loss. The balances is XXXX o n and XXXX on another so which is it. Their saying he paid for 3 years on one report then one he paid for almost 4 years and then they sold the car and he still owes XXXX. Is that predatory lending? Are they on the list for predatory lending? If so address XXXX XXXX XXXXXXXX That was ask to be verified it was handled by a Collection agency and when I sign with them and made a deal we settled for a deletion once I paid them and once I paid them the money through the collection agency they did give me a letter and said that it will be settled in full with the and I have to let I have misplaced that letter and then they say once they put it on my credit it was something else and I cant find that letter now. So XXXX got paid but the collection agency handled this situation. 
Military Star Reporting charge off when I Volunteer to pay them in a program in which I paid interest and I paid them in full.
Consumer complaint received 2018-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (WY)

On XX/XX/2018 I received a letter from XXXX 's, XXXX XXXX XXXX, XXXX, Ohio, XXXX. The letter concerns a problem completing my application for the XXXX  's American Express card. I NEVER applied for this card, but when I called the New Accounts Customer Service ( XXXX ) the recording asked for my 9 digit social security number, which, of course, I did not provide. 

This is an obvious scam to steal my identity. Thank you for your help in this matter.
Consumer complaint received 2021-07-17
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. (WI)

From birth I have been deceived by the very corporations I believed to be in my favor. For years ( XXXXpresent ) I've been disputing the bureaus against there accusations of alleged debts. EQUIFAX, INC attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means! In XXXX, several items were removed from my report and thus placed back unto the report without consent. I now demand to be compensated for the continuous crimes committed against me as the Original Creditor, Natural person, Federally Protected Consumer.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 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 2019-09-12
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. (CT)

XXXX XXXX keeps sending my check back to me then marking it late adding fees and calling non-Stop. They have done this all year. My father passed away in XX/XX/XXXX, so all assets were frozen I advertise and was paying bills out if my own pocket. XXXX took my XXXX card and put it in my name plus added the business name onto it, we have had this commercial bank account since XX/XX/XXXX. Anyone I speak to at XXXX is just repeating the same thing this ya an attempt to collect a debt. I have copies of all the checks sent back and I even received a letter from them stating they would not take off interest or Late fees. NOT FAIR! Ive never been late they know whos payment it is, I mail it back and they mail it back to me. Not sure what to do but my patience are wearing thin we are going on 7 months! And XXXX XXXX is another one I have my deed in Lou of foreclosure paperwork and because I contacted you they added on to additional months that theyre saying were never paid when the house didnt even belong to me at the time my husband was responsible for paying the mortgage because I moved out and had a XXXX XXXX   during the course of our 90 day divorce he was responsible for the mortgage payments and he squatted. and XXXX XXXX is another one I have my deed in Lou of foreclosure paperwork and because I contacted you they added on to additional months that theyre saying were never paid when the house didnt even belong to me at the time my husband was responsible for paying the mortgage because I moved out and had a XXXX XXXX   during the course of our 90 day divorce he was responsible for the mortgage payments and he squatted XXXX XXXX has read my decree and they have my deed in Lou of foreclosure that I paid for myself XXXX my ex-husband paid nothing towards it he wanted it to go into collections so between these two banks we need to get this straightened out
Consumer complaint received 2022-01-07
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. (AL)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, EQUIFAX MORTGAGE SER  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX - XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

The Chase Credit account ending XXXX was paid in full, however after paid in full the creditor made an unauthorized charged to the account without consent in the amount of XXXX. I have reach out regarding about this matter and informing the creditor that i will not be responsible for any unauthorized charged made by the creditor without my permission or mistake on their behalf that incurred more fees on top which shows an unfair practice within the creditor. also there's is checking account open without my consent
Consumer complaint received 2021-07-17
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$7400.00}, {$2700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

XXXX. XXXX/XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$2700.00} -This is not my account.
Consumer complaint received 2022-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (FL)

Debt collector AssestCare LLC reported a XXXX debt to XXXX and it lowered my credit score. It says its connected to XXXX XXXX XXXX in XXXX XXXX XXXX, which I have never visited. I have received no correspondence at all regarding this debt and have no idea who it belongs to. I disputed it with XXXX and the response from the debt collector said payment received ( see attached ). I paid nothing and do not understand why this is still on my credit report.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I have sent letters out to the three credit reporting bureaus on dates XX/XX/2022, XX/XX/2022, and XX/XX/2022 regarding the verification on the accounts that are reporting negatively on my credit report. To this date I have not received the documents that I requested via mail that were used to verify the account. After various letters, the credit bureaus refuse to remove or correct this inaccurate information on my credit report. Here are a few items I attempted to correct with the credit bureaus but have not been resolved. 

XXXXXXXX XXXX : The payment history of this account is inaccurate. I have not been late on this account. I have contacted the original creditor but was referred back to the credit reporting bureaus to resolve issue. I have mailed out previous letters to resolve issue but there has not been a solution made. 

XXXX : The payment history of this account is inaccurate. I have not been late on this account. I have contacted the original creditor but was referred back to the credit reporting bureaus to resolve issue. I have mailed out previous letters to resolve issue but there has not been a solution made. 

XXXX : This account is not reporting correctly across all three bureaus. The account status is showing two separate statuses. The date that the account was opened is also showing inaccuracies. The high credit balance is showing different. The credit limit on the account is inaccurate. The payment status is not reflecting the same across the bureaus. 

XXXXXXXX XXXX : This account is not reporting correctly according to the FCRA. The date the account was opened is incorrect. The high credit balance is showing differently across all three bureaus. The date of last payment is incorrect. 

XXXX XXXX : This account is not reporting correctly according to the FCRA. The date on the account was opened is incorrect. 

XXXX XXXX XXXX : This account is not reporting correctly according to the FCRA. The date that the account was opened is incorrect. 

XXXX XXXX : This account is not reporting accurately according to the FCRA. The date that this account was opened is incorrect. The balance of the account is incorrect across all three bureaus. 

XXXX XXXX : This account is not reporting accurately. The date opened is incorrect across the bureaus. The balance on the account is reporting incorrectly. 

XXXX XXXX : This account is not reporting accurately. The date opened is incorrect. 

XXXX XXXX : This account is not reporting correctly according to the FCRA. The date that the account was opened is incorrect. The balance of the account is incorrect.
Consumer complaint received 2020-10-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

The complaint is against a company called Coinbase. They are a Cryptocurrency exchange. I have been investing for months and my account is about {$18000.00}. I can no longer get onto my account because I have been locked out by this exchange. They purposely do not have Customer Service to speak to and everything that you do to try and recover the account goes in a complete circle. It is again purposely set up this way. I want my money back from this fraudulent scam company!!!! and I would also like to see this company be put out of business!!! They are a disgrace and if you look online you will will see thousands of people complaining just like me.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act 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 602 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 2021-07-17
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. (DC)

This complaint is in regard to consumer reporting agencies reporting inaccurate information without my written consent pursuant to 15 USC 1681b ( a ) ( 2 ).

The problem i am having is my rights are being violated. Congress put forth rights for consumers protection stating my written consent to my consumer report is needed before furnishing any information. Due to non-cooperation pursuant 15 USC 1692k the agencies involved are civilly liable. 

I mailed a letter XX/XX/2021, and as of XX/XX/2021, Still no response. 

The agencies that are violating my IV Amendment ( The right of the people to be secure in their persons, PAPER, and effects, against unreasonable searches ) are XXXX, XXXX, and Equifax. 

I am the consumer and the natural person.