davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the addressXXXX XXXX XXXX with XXXX and have provided a utility bill and it still has not been removed. The correct address is the XXXX XXXX XXXX XXXX XXXX address.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (OH)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. XXXX XXXX XXXX is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore, you have failed to provide any transfer title of ownership on the charged-off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX XXXX XXXX (  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX BAL {$25.00}, XXXX  # XXXX, XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-08-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX. i am the same person who filed a complaint last XX/XX/2022 with complaint number XXXX. I am filing another one to prove that it is me making a complaint against this credit bureau for not responding to the letters I had sent. I will attach the same letter here and hope they will work on it this time, if not then I guess I will need to take it to the next step and seek litigation.
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Machol & Johannes, LLC (CO)

Prior to XX/XX/XXXX, I sent via mail XX/XX/XXXX what I could afford. 

Received an email XXXX  XXXX with a contract, that was not what I agreed nor stated I could pay. 

XX/XX/2021 I called both the courts as I was sent documentation to attend. The jail stated I did not have to come into court if I made arrangements. I made arrangements prior to the court date. The law firm sent over a contract that was incorrect from what we argeed upon. I called them XX/XX/XXXX and discussed via phone also to have a new contract sent out to me via email like they did originally and I would sign with the correct agreement. They stated tey had to type one up and they would sent out the " new contract '' that was agreed to via phone- phone recording. 

No agreement has been resent to me since XX/XX/XXXX. I have the email chain showing this. 

Since then I have not reiceved any further documentation, nor agreement that was discussed. They have marked non payment on my credit when there has not been an argeement,
Consumer complaint received 2021-10-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Hello, I am a Coinbase user. In summary, my money from the Coinbase exchange has disappeared, as well as all the transaction history, it is as if the account has been reset.

I have been a Coinbase user since XX/XX/2021. 

Since that time and until XX/XX/2021 I have been trading with Coinbase. In the document " Access history '' you can see how I accessed on XX/XX/2021 ( from that moment I have been operating ). 

The problem comes when on XX/XX/XXXX I try to access my account and it asks me to verify my identity ( again ). I verify my identity correctly, although I already did when I registered in XXXX ( required to operate ). When I re-enter my account, my balance is XXXX and there is no transaction history in my account ( as can be seen in the document Coinbase Transaction History ). 

I have created a case in ( XXXX )- but I have no response, they always tell me that I have access to my account ( indeed, I have access, but it is not my cryptocurrency portfolio, it is at XXXX and without transactions ). 
On XX/XX/2021, I had around XXXX between BTC ( about XXXX ), EUR ( about XXXX ) and CARDANO ( about XXXX ).
Consumer complaint received 2021-10-12
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (IL)

DISCOVER FINANCIAL SERVICE is reporting a fraudulent account on my credit report., see attachment. I disputed this account multiple times with the credit bureaus and with DISCOVER FINANCIAL SERVICE but the credit card company still reporting this fraudulent account. I asked XXXX to verify this account for me and they havent verify it either.
Consumer complaint received 2021-10-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.
Consumer complaint received 2021-12-19
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. (AL)

I am submitting this complaint on behalf of myself and not a third party. I XXXX XXXX XXXX am a vicitim of identity theft and I have submitted the documents as request to have these fraudulent accounts blocked and deleted according to the information I read when I filed a report on the Federal Trade Commission site. I read that once I have made the consumer reporting agencies aware of these fraud accounts they would be blocked and deleted within 4 business days well it has been more than 40days and they are still reporting these fraudelent accounts. I an a XXXX  XXXX XXXX and I suffer from XXXX and I don't need nor can I handle anymore XXXX XXXX and this is causing way too much for no reason. If people would just do their jobs and follow the Federal Law I would not be submitting yet another compliant. Is not my fault that my information was exposed in the Equifax and XXXX data breach. I did as they asked me too and now I'm the one who has to suffer, how is that fair to me? If this is not taken care of I will seek legal action because truthful speaking these consumer reporting agencies are in violation of all kinds of laws but I will save that for a later time. For now I need these fraudulent accounts deleted immediately
Consumer complaint received 2021-10-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-10-12
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. (AR)

Credit Card Opened by the Thief Company or Organization : Account Number : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : {$8500.00} XXXX XXXX XXXX XXXX XXXX Page 1 of 3 XXXX XX/XX/XXXX, XXXX XXXX  Medical Services Obtained by the Thief Company or XXXX XXXX Organization : ADJUSTMENT C ( Original Creditor : XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/XXXX Other Identity Theft Company or Organization : Account Number : XX/XX/XXXX XX/XX/XXXX XXXX XXXX {$1000.00} Total fraudulent amount XXXX Date fraud began : Date that I discovered it : Fraudulent Auto Loan or Lease Total fraudulent amount : {$5700.00} Company or Organization : Account Number : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : {$41000.00} Fraudulent Auto Loan or Lease Company or the company Organization : Fraudulent Information on Credit Reports XXXX XXXX XXXX XXXX XXXXXXXX Page 2 of 3 XXXX XX/XX/XXXX, XXXX PM Personal Information Names : XXXX XXXX XXXX, XXXX XXXX XXXX, Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone numbers : XXXX Employment Information : VA COMPENSATION, XXXX XXXX
Consumer complaint received 2022-08-24
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)

On XX/XX/22 XX/XX/22 XX/XX/22 I contacted XXXX about a account investigation even called Numerous times, the account never been updated or investigated. Account XXXX 15 U.S.C 1681 section 602 A. Section 2 states I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 its also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May Not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Consumer complaint received 2021-12-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

1 ) I contacted Equifax Credit Bereau and ask them to remove a bankruptcy that was on my credit report but was mine. Equifax came back as said that they verfied it with XXXX XXXX. ( Letter enclosed ) 2 ) I contacted XXXX XXXX and they sent me written proof that they didn't verfiy it and that it is not in their system ( Letter enclosed ) 3 ) I contacted the Bankruptcy Court and they verfied that they did not verify any such information and that it was not in their system as well ( Letter enclosed ) i submitted a copy of letter from Bankruptcy court I submitted the report stating that it was verified with XXXX XXXX I submitted the Affidavit of truth that i sent to Equifax I submitted the credit report with item still on there I submitted a copy of my Government issued ID
Consumer complaint received 2022-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DFC Global Corp. (IL)

XXXX XXXX XXXX is claiming I owe them a debt which I do not I have never heard of this company nor applied for any line of credit with I asked them to show me proof that the account belongs to me and they have not. They recently updated ( XX/XX/2022 ) this account to delinquent when it is already in collections. The constantly call and harass me but no one can validate this account please get this removed.
Consumer complaint received 2021-12-19
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. (IL)

On XX/XX/2021 I spoke with a representative from equifax. I informed them 2 account on my credit had already been removed from my XXXX and XXXX report due to identity theft/fraud. I was told to submit another dispute in which I did, the accounts in question were XXXX XXXX XXXX XXXX and XXXX credit card both fraudulent accounts. It took equifax a few days and I was sent a email saying the dispute was done and nothing changed. I contacted equifax again and explained to to them I already spoke with the companies regarding this and the accounts are removed from the other bureaus and I was told to resubmit it, it was not removed because I did not provide the correct account numbers. I have went back and foward with equifax with no solutions in site the company has violated my rights and report inaccurate information to my credit file.
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION (UT)

I had accounts with Santander bank in XXXX NH  while I lived there XX/XX/XXXX until XXXX or XX/XX/XXXX. I recall there was some impediment to closing my account when it was time for me to leave ( moved to XXXX XXXX ), so I zeroed out my account and did not expect any further charges. Santander has my phone number and email address, as they have not changed over the past 15 years or so. I recently received a credit report summary showing I had an outstanding debt with them of over {$1400.00}. I called their customer service to inquire and told they would send me a settlement letter and stop the recurring monthly charges. I was told these stemmed from automated charges that posted after I left and that Santander was tapping my overdraft line of credit, each time incurring charges of {$45.00} and {$10.00} each month. However, texts and calls did not stop and I did not receive a settlement letter. I called Santander three more times. In the last two calls, I was told that they expected full payment and were unwilling to negotiate. My account had never been overdrawn in the four years I lived in NH. I feel Santander should have contacted me so I was aware of the situation and could've mitigated the fees that accrued. As it stands now, I owe $ 1400+ for an account that I thought had been dormant since XXXX. The attorney I contacted suggested I file a complaint. He told me Santander is notorious for not attempting to come to a fair negotiated resolution.
Consumer complaint received 2021-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

Hi, My wife had contacted this person " Holistic Healings - XXXX XXXX '' on XXXX to purchase XXXX oil for my husband 's XXXX. He asked me to transfer {$1500.00} for the XXXX oil. So I asked my husband to transfer {$1500.00} to his paypal.account. The money was transferred to this person on XX/XX/04. Please see the attached document. He promised that i will receive oil in 2-3 business days. 

After that he reached out again to my wife on XXXX again saying that your shipment is held by the custom departments of the delivery company and they want more {$350.00} to release the package. The website of the company through which it was shipped was XXXX. When I looked at the website it was a similar to XXXX XXXX and that's when I realized that I was scammed. 

I have not yet received the XXXX oil. I see that this transaction is not yet complete. Could you please help me in cancelling the transaction? I can provide the XXXX chat that I have with this person. 

My paypal id is XXXX and the money was transferred to XXXX. 


Thanks, XXXX
Consumer complaint received 2022-08-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have been battling with the bureaus over this XXXX XXXX account for months and months! 

XXXX has illegally re-aged this account multiple times and currently lists the date of last activity as XX/XX/XXXX while Experian lists the date of last activity as XX/XX/XXXX. 

Obviously, this all is incorrect and violates the FCRA. XXXX has already removed this account from my credit report.
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MD)

I recently received an XXXX XXXX XXXX Mastercard from Barclays. I promptly signed up for autopay. On XX/XX/XXXX, Barclay 's sent me the email below. 

XXXX XXXX Account Ending : XXXX Cardmember Since : XX/XX/XXXX (? ) Thank you for enrolling in repeat payments Your Card : XXXX XXXX XXXX Mastercard from Barclays Payment amount : Your statement balance amount Scheduled for : Your due date Bank Account Name : XXXX XXXX XXXX XXXX - XXXX Your first withdrawal date will be on XX/XX/XXXX, thereafter a repeat payment will be made on your due date each month. 

Since Barclay 's acknowledges that they received my payment **on the due date**, how do they have the NERVE to charge me a " late fee '' THREE DAYS BEFORE THE DUE DATE?
Consumer complaint received 2021-10-12
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: EQUIFAX, INC. (SC)

I RECENTLY RECEIVED MY CURRENT CREDIT REPORT AND NOTICED SOME HARD INQUIRIES ON MY REPORT THAT I DID NOT DO, ON XX/XX/2021 I HAVE REACHED OUT TO THE BUREAUS AND HAVE NOT RECEIVED A REPLY BACK OR ANY UPDATES MADE TOWARDS MY CREDIT REPORT.
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — Store credit 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. (PA)

Back in XXXX or XXXX of 2021 I received notification from Best Buy through a mailed statement that I had a balance due of XXXX. I did not purchase anything with my card nor had I used my card in well over a year maybe two. I proceeded to call the customer service number where I then got the run around about it being a charge to renew my card because it had not been used. I told them over the phone plus returned the statement to them via mail with a note on it telling them that I wanted the card canceled and that I was not going to pay for renewal of a card that I was not using. The following month I received another statement from Best Buy showing the XXXX charge plus fee charges of XXXX dollars plus XXXX dollars in interested charges bringing the balance I supposedly owe them to XXXX dollars. I then proceeded to call them again and tell them that this was ridiculous the card was already canceled and I was not paying these charges. I also sent them notification via mail. I received another statement in XXXX for a balance of XXXX dollars and now in XXXX I received another statement with the balance up to XXXX dollars for a previous balance of XXXX plus XXXX in fees charged and XXXX in interested charged. I am not paying nor do I feel I should have to pay any of these charges being that I am elderly for one and live on a fixed income and two for the simple fact that I did not purchase anything to have these charges nor did I ask for them to renew my card or anything else to acquire these ridiculous charges. When I call the customer service number all I get is a run around and hassle. No one once to do anything to resolve this issue and these charges and I am not paying for something on my limited income budget that I did not purchase or ask for and every month the bill goes up more and more on something I did not ask for or again purchase. And now there are threatening to send me to collections for these charges that again I did not purchase or ask for. My credit card was through Best Buy and financed through Citi Card. These companies both have lost my business and respect. Please help me with getting this situation resolved as this company is harassing me with bills and threats on charges I never should have acquired to begin with.
Consumer complaint received 2022-08-24
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX I XXXX Date Opened : XX/XX/2018 Balance : {$10000.00}