davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-27
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)

I use my Citi Credit card purchased a pair of car headlights ( {$1600.00} ) from the online merchant ( XXXX ) on XX/XX/2018. After I paid couple hundred dollars of labor to install the purchased headlights, I found one of the headlight was defective. I contacted the Merchant immediately and provide them the proof of the video and hope them can fix the issue asap but never ask for a return. After reviewed the video I provided, merchant confirmed that is a product defect, but they request me to damage the product instead of a return, then a refund will be processed.I explained to the merchant that I do not know how to deal with the headlight, and I have paid labor to install them. Its really make no sense for me to pay extra labor to uninstall and destroy them. Since all the issue is caused by a product defect, they should issue refund unconditional immediately. If they want the product be destroyed, they have to pay any labor occurred or refer me to any body shop to do the job. The merchant rejected my proposal. 
The merchant did totally against what they said Client is always right. What they did is try to make difficulties to their clients and force them to eat lose and abandon consumer rights. In this case, they clearly know I will not pay extra labor in order to follow their request to destroy the product, even the fault is caused by them, a product defect! That is the main reason they insist the product must be destroyed before they process the refund. As a consumer, I really feel unfair with my experience. 

I have provided all explanation attached with evidence and dispute the charges to the Citi bank. The merchant make black look white and told the partial of the story BUT NEVER declare the fact truthfully to the bank. The Citi bank never do a deep investigation but reverse the credit on merchant 's favor. This is totally not acceptable!
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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

( 1 ) XXXX XXXX XXXX Account # - XXXX has violated my rights. 

( 2 ) XXXX XXXXL XXXX Account # - XXXX has violated my rights ( 3 XXXX XXXX XXXXXXXX XXXX Account # - XXXX has violated my rights ( 4 ) XXXX XXXX Account # - XXXX has violated my rights ( 5 ) XXXX XXXX Account # - XXXX has violated my rights ( XXXX ) XXXXXXXX XXXXL XXXX XXXX Account # - XXXX has violated my rights ( 7 ) XXXX XXXX XXXX XXXX Account # - XXXX has violated my rights ( 8 ) XXXX XXXX XXXX Account # - XXXX has violated my rights ( 9 ) XXXX XXXX XXXX Account # XXXX has violated my rights ( 10 ) XXXXXXXX XXXX XXXXXXXX Account # - XXXX has violated my rights ( 11 ) XXXX XXXX Account # - XXXX has violated my rights ( 12 ) XXXX XXXX Account # - XXXX has violated my rights ( 13 ) XXXX XXXX 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 604 A section 2 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 take any consumer report containing any of the following items of information. Any other adverse items 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 2020-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2020 I used XXXX via Wells Fargo to make a {$350.00} payment to a man for the purchase of a puppy for my wife, the next day on XX/XX/2020 I sent the final amount of {$350.00} ( for a total of {$700.00} ) after I received what I believe to be an actual video of the dog complete with the man calling the dog by the name we where going to give it and the date and an email with the bill of sale. On XX/XX/2020 I received an email from a company claiming to need {$1000.00} " pet insurance '' to send the puppy via airplane. I knew immediately that we had been scammed and attempted to get our money back. The man claimed he was going to the airport to cancel the flight and would refund us our money the night of XX/XX/XXXX. He has sinced blocked us and not been responsive. I was sceptical when he first mentioned XXXX but when I saw that it was endorsed by Wells Fargo I thought it could be trusted as the XXXX page looked legitimate and had a couple of people claiming to have purchased from him. The scammer was very reassuring during the process and even had a professional looking fake shipping company website that they used to try to get more money out of us. We have reported them to XXXX and warned others in my wifes pittbull group. I will be trying what ever I can to not only get our money back ( which is most likely gone ) but warn others. Avoid XXXX 's XX/XX/XXXX, XXXX XXXX and " XXXX XXXX '' at all costs.
Consumer complaint received 2022-08-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past XXXX  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 XXXX  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 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2022-08-17
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. (MS)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXXXXXX Balance : {$1900.00}
Consumer complaint received 2018-10-18
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I received a hecm for verse morgag then i find out that my loan had been given over to XXXX XXXX and they are charging me XXXX a moth to stay in my home this is interest monthly, There is no doubt that this is a sink quick scam1 what if I live to be a health XXXX women at XXXX a month plus my taxes plus care plus medical premiums and insurance how am i going to get through this, I cant and i am sinking right now. i need help with this, they said i can take equity out of my house because my credit score went down do to having to pay home care.
Consumer complaint received 2018-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldridge PIte Haan, LLP (GA)

This is not my debt and has never been. XXXX XXXX company attempt to collect money which is not mine on XX/XX/XXXX. I request verification of this alleged debt. They have not supplied me with any physical evidence of this alleged debt. They only sent me previous capital one bank partial statement on XX/XX/XXXX. This is unfair business practices and deceptive. I am being bullied into a paying for something that isn't mine. Does XXXX XXXX company make up fake accounts and send me and report credit agents them in hopes that unsuspecting consumers pay them? How many other people has this unscrupulous company done this to? Are they even licensed and bonded? I am also going to file a complaint with the GA Attorney General 's office. I have already contacted them and confirmed I do have grounds for a complaint. This shady company needs to be investigated. I demand that this is removed from my credit reports once and for all. Also request close this alleged debt from their ledger and send me the proof immediately. ( ID theft report was sent to credit reporting agents )
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (CA)

XX/XX/XXXX, I submitted a dispute for a balance of XXXX $ that was charged off in XXXX. 

After submitting the dispute to Exeter finance, I received a notification on my XXXX account on XX/XX/XXXX, stating that my credit score dropped XXXX points. When I looked, Exeter finance had handled the dispute, and added a balance of {$100000.00}, and reported it to XXXX. So now the balance went from XXXX to XXXX, and its showing on my credit report that I have a six figure debt to Exeter finance. 

When I called Exeter they stated that they cant see it, however I have print outs of that new balance that was reported, and I spoke with an XXXX representative and they stated they can see the XXXX as well. Exeter is refusing to assist me with this. 


This is absolutely illegal. And now my credit has suffered because of this fraudulent reporting of a XXXX debt owed on a XXXX car that was charged off 4 years ago and sold at auction for XXXX
Consumer complaint received 2020-12-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

On XX/XX/XXXX my bill for XXXX dollars was send to collections. On XX/XX/XXXX I was incarcerated until XX/XX/XXXX I reached out to the company and they said they tried reaching me. they never notified me of the payments and just sent it to collections I now can not rent a apartment or get a car because of this mark on my credit report and the company will not help me with this unfair situation. I disputed this claim via certified letter on XX/XX/XXXX.
Consumer complaint received 2023-01-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I sent letters to XXXX XXXX and Equifax disputing accounts that are in collections on my credit report. It's been over 30 days and I have not received anything in the mail pertaining to the investigation of these accounts. In the comments section suppose to specify that accounts are in dispute. I didn't receive the investigation report.

According to 15 USC 1681 i ( a ) ( 1 ) ( A ) XXXX XXXX and Equifax has 30 days to respond to my dispute. Not responding is a violation of my rights. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

This complain is about Coinbase Crypto currency platform.I opened my account with them in XXXX XXXXAfter successfully opening my account, I started buying Bitcoin and other crypto currency for a month or so.All if a sudden, my account was under review and it has been over 3 months and not been resolved. 

I have emailed support on several occasions but got automated response and nothing has been done.There is no phone number as well.I have submitted all required documents which were asked when opening the account and not sure why it is review. 

I am loosing hope and need desperate help to get my money back. 

Please help.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-06
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. (NC)

During the early stages of the Covid pandemic, I experienced an income loss that temporarily prevented me from making an auto loan payment on my active loan with XXXX XXXX XXXX. Through the CARES ACT, I was granted a temporary forbearance, and I have since resumed payments and brought the loan current. However, despite that, XXXX XXXX has continued to report to the credit bureaus that my auto loan payment has been late since 2020, and continues to report the account late today! According to the CARES ACT, none of these delinquencies should have even reported to begin with. I have asked XXXX XXXX XXXX to correct my pay history on several occasions, but they never take any action to correct the matter.
Consumer complaint received 2020-12-15
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. (GA)

XXXX XXXX, a debt collection agency is reporting false information on my credit report. They are saying I owe {$6000.00} for a debt that I have no knowledge of. I have disputed this information in the past and the credit reporting agency removed it but then they added it back to my credit report. Furthermore, another company seems to have bought this debt from XXXX XXXX because I was served a lawsuit from XXXX XXXX and went to court for this exact debt in XX/XX/2020, where the judge has denied their claims because they can not furnish any contract or evidence that this debt is mine. 

Although they no longer own the debt or are able to provide evidence that this debt is valid they still refuse to remove this from my file and XXXX and Equifax keep saying the debt is valid when i have a legal court document to prove that 1.the debt in invalid and 2. the amount of money owed that they are reporting on my credit is invalid. If you can not resolve this, my next step is to sue XXXX XXXX and the credit reporting agencies for damages to both my file and my personal life.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

Charges from XXXX and XXXX  And XXXX along with associating cash advance fees were charged to my card without my knowledge totaling around {$9000.00}. Barclays was notified of these charges and started a dispute investigation only to recently reapply {$7000.00} back to my account. No message or letter or any further communication from Barclays.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (MD)

I have sent multiple notices to the American Express headquarters addressed to XXXX XXXX. i sent the first letters around XXXX or XXXX and until now they have not credit my account. the remittance coupon i received from my statement I signed with the beneficiary signature or at autograph. I even sent a cover letter notarized. at that time the amount was for around XXXX until now they have yet to credit my account. I sent this first letter certified mail with a returned receipt so i know they received it. they wrote me back saying i don't need to make further payments and that an investigation is ongoing. i called to check because it took awhile for them to respond. they wrote me back up saying they need proof of money order my bank account and some nonsense. i knew this was a stalling tac tick. I wrote them back saying this is an attempt to settle a debt and that I have already provided them with all the information. on the online portal i also send them a cease and desist letter explain that they are engage in trust fraud and they can be fined XXXX they closed the online investigation and completely ignored me. they had the audacity to wrote me back saying they have the right to report to the credit bureaus that i owe them due to my terms and agreement but t I am not an employee so their policy does not apply to me.Policy does not override law then I sent them another letter explaining i am a sovereign and I am the original creditor and the banks do not loan money. they are the debtor they double dip in our XXXX XXXX XXXX trust and expect us to pay again plus interest. in my last letter to them i wrote on the remittance coupon money order on it per they requested. pay in order to the united states Treasury signed my autograph with the uniform commercial code. ucc 1-308 ucc3-603 ucc 3-104 ucc 3-306. Because of their GREED they refused to credit my account. in the same letter I gave them ( Debtor ) has three ( 3 ) business days from the date of postmark on this mailing to POST the enclosed MONEY ORDER, the remedy regarding this matter. In the event Debtor fails to provide a remedy, whereby Debtor will be stripped of all immunity the UNITED STATES public policy may have otherwise afforded him. Upon dishonor, Debtor agrees in the alternative to Involuntary Bankruptcy that will be initiated on Debtor in a private capacity ; In the event Debtor dishonors, Debtor agrees to be placed on a UCC-1 Financing Statement with the Secretary of State, as the Debtor and attaching to it the Invoice ( s ) and any or all fees pursuant to the enclosed Fee Schedule No. XX/XX/2022. 
Money order. ( XXXX ) A negotiable draft issued by an authorized entity ( such as bank, telegraph company, post office, etc. ) I also sent them notice of liability
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AR)

LexisNexis responded to my complaint on XX/XX/2022, and they stated that they sell public records in bulk to a variety of customers, including consumer reporting agencies, such as XXXX, XXXX, and XXXX. LexisNexis said that these bulk records are not consumer reports as defined under the FCRA, so I asked LexisNexis to show me where they read in the FCRA that these bulk records are not considered consumer reports, and till this very day, LexisNexis has failed to show me this information. 
I called LexisNexis on the phone asking them to show or tell me where I can see for myself in the FCRA where it states that the bulk records they sell to these consumer reporting agencies are not consumer reports, and they had me on the phone for almost an hour, and I had to tell them to just call me back when they figure it out, and they never where able to show or prove to me where they read that false statement they made. 
I informed LexisNexis that when they removed the bankruptcy from my LexisNexis report after my dispute, that they were admitting to the violation of the 15 U.S. code 1681b Permissible Purpose of Consumer Report. This law clearly states that the Consumer shall have consented orally in writing, or electronically to the procurement of the report by that person, in which I did not consent to. Under the FCRA remedy law, its states that for every violation, its {$100.00} to {$1000.00} and I am demanding the max for damages and the stress that LexisNexis has caused and continue to cause! 
This is my last time trying to work with LexisNexis outside of Court, if LexisNexis dont comply this time, I will be forced to file a Lawsuit with my Attorney, once again LexisNexis I have attached XXXX invoices for a XXXX dollars, XXXX for the violation when you sold my consumer report to XXXX and XXXX for when you sold my consumer report to XXXX XXXX if you dont comply I will start a lawsuit and it will be for more than what I am demanding for right now. 

XXXX XXXX, Consumer
Consumer complaint received 2021-05-06
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. (NC)

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of XXXX I have tried many times to get this verified with no such luck. Please review for deletion.