davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC (KS)

Failing to provide documents listed below : I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect above-listed alleged debt. Cease & Desist all collection activities including reporting to consumer reporting agencies ( CRAS ). Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAS. If you comply with my cease collection & deletion request, then you are excused from verification. If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without ant break of chain.
Consumer complaint received 2022-08-09
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: VW Credit, Inc (FL)

Despite being coded as " affected by natural disaster, '' VW Credit continues to report my satisfactorily paid vehicle loan as delinquent in XXXX and XXXX of 2018. I complained to VW Credit and they advised they would fix the problem. To date, this has not been done and I continue to suffer because of this.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XX/XX/2018 received letter saying verified account. The account is closed and charged off, but still reporting on my report. The company is XXXX XXXX XXXX XXXX  and XXXX XXXX  which sold the account to XXXX and ALL are reporting.
Consumer complaint received 2022-03-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Allgate Financial, LLC (VA)

I have lived outside of XXXX New Jersey for the last 5 years. I happened to receive a forwarded communication via mail at the end of XXXX. I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX as soon as I received the communication. 

I spoke to one of their associates and they asked me to email proof of address to XXXX which I did right away. I followed up with a call in XX/XX/2022. The representative was not very informative or friendly but assured me that the file was being closed. I asked for a supervisor and he placed me on a one hour hold and nobody came to the line. 

Upon checking the court records, the case has been defaulted and nobody is answering at this firm. I have reached out to them multiple times. 

They have file a suit out of jurisdiction and confirmed to me on the initial and secondary contact that they were fixing this issue and closing the account back to the issue for out of state to the creditor. Again, this has not happened and it is impacting me. 

Again, I do not live in the state of NJ and I have submitted proof.
Consumer complaint received 2022-10-07
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. (SC)

I used my Costco XXXX XXXX credit card ( issued by Citibank ) to book the flight ticket ( cost is {$6200.00} ) through a travel agent on XX/XX/XXXX. Two days after my booking date ( XX/XX/XXXX ), another transaction for the same ticket cost ( {$6200.00} ) did happen. I noticed this on XX/XX/XXXX and reached out to the travel agent ( XXXX XXXX ) and they told they will work with the airlines ( XXXX ) as its a technical glitch in the airlines system. I also reached out to the Citibank on the same day and raised a dispute and the system offered conditional credit immediately. There was no update from the travel agent nor the bank for the next few days. 

All of the sudden, bank reversed the conditional credit stating no supporting documents were provided ( on XX/XX/XXXX ). Bank did not send any communication in the first place, though the call center agents claim otherwise. Then I shared all the supporting documents including the credit card statement showing duplicate charge, flight ticket, email conversation with the travel agent in which the agent agreed that it is a duplicate charge. Even after four emails to the dispute department of the bank and three calls to their customer care and multiple escalations, conditional credit is not put in place though they acknowledge that they received the information via email. Due to this, my credit score has dropped badly ( stating high card usage, though I didn't use that amount technically. Note : I have paid the actual ticket cost in full to the bank ). Citibank dispute department has not acted on the dispute ever since it was opened.
Consumer complaint received 2022-06-07
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, 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 2022-08-09
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX, XXXXXXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax Employer : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OF XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2023 I deposited {$1500.00} cash in my checking account after leaving checked my app money was there. The next day XX/XX/2023 that deposit was nowhere to be found. Called Wells Fargo was told technical difficulty that was 10 am. At 3pm I went to bank and they told me the XXXX XXXX difficulties. To call XXXX number on my card. NO ANSWER ON WHEN AND IF IT WILL BE RESOLVED. Said come back tomorrow to speak with mgr.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

I tried to have them remove false information. 
I would like to know their Rules and procedures for obtaining bankruptcy information. I have been in correspondence with XXXX XXXX XXXX, U.S. bankruptcy court And he stated the court does not communicate or verify information directly with the credit reporting agencys.
Consumer complaint received 2022-09-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIRST CITIZENS BANCSHARES, INC. (WI)

I received 3 notices via mail from First Citizens Bank on XX/XX/XXXX regarding deposits into and out of an account on XX/XX/XXXX and XX/XX/XXXX. I do not have any accounts with this bank. After calling customer service on XX/XX/XXXX I was told that a note would be put on the account to reflect my concern and if I wanted further information or to take other action I would have to visit the nearest branch which is XXXX miles away. I will contact the branch via phone to rectify this situation if possible.
Consumer complaint received 2022-09-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On the 3 CRA, Portfolio Recovery Associates is reporting incorrect information regarding a debt. According to their reporting, an account with. XXXX XXXX was opened XXXX. Considering I was experiencing homelessness without the ability to receive mail, it would be impossible for me to open a new credit card account. Also, they report that no payments have been made to this account yet under the recent payments tab it states {$54.00} was paid on the account. This incorrect information is negatively my credit score.
Consumer complaint received 2021-06-04
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. (NY)

As a consumer ( XXXX XXXX ) and the one who holds ALL THE POWER, these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Since I attached my form of ID, PROOF OF ADDRESS, & Social Security Number : XXXXXXXX, This complaint lists someone that your company should recognize as their customer or their customers authorized representative. I sent this agency a letter on XX/XX/2021 letting them know that there are fraudulent accounts on my credit report. This agency ignored my letter and still to this day XX/XX/2021, they have not responded. I feel as if my consumer rights are being violated and I'm sick of it. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX and federal trade commission. the Erroneous RESULT OF The Equifax XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX XXXX and Equifax. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. SO If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). please see attached invoice and pay it immediately upon receipt of this letter.
Consumer complaint received 2021-06-04
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)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (NY)

I opened a Altitude Reserve credit  card with US Bank early this year. On XX/XX/XXXX, i wanted to buy a XXXX watch and tried to use this US Bank Altitude Research card to pay. However, it was declined. I called US Bank customer services and XXXX told me they would put a note and asked me to try in a few minutes. I tried the second time and its declined still, so i used XXXX card to pay. 

On XX/XX/XXXX, I was told this card was closed by US Bank, and i can not make further purchases on groceries. I spoke with US Bank and a lady told me they closed my account because i bought a luxury good and according the user agreement this card can not buy luxury good. Immediately after the call, this card is closed. 

In the next week, i called US bank multiple times to reinstate this card but they all said they can not disclose more information. 

My question is - 1 ) during the transaction, no XXXX told me that I can not buy XXXX watch with this card. they just said they would put a note and let me try again in a bit -2 ) i reviewed user agreement and didn't find any words saying can not buy luxury good - 3 ) even if it specifies on user agreement, banks should warn me for the first time and close account after second time - 4 ) US Bank charge me an annual fee {$400.00}, and they didn't refund after closing the account.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/2022 i opened a credit account. Both my XXXX and XXXX are reporting a collection as an " open account '' which is not an open account and is under FCRA compliance. This is inaccurate reporting and needs to be removed immediately.
Consumer complaint received 2022-07-05
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see verifiable proof ( an original consumer Contract with my signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-06-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

My name is XXXX XXXX, email at XXXX In XX/XX/2021, I opened an account with Coinbase XXXX, a cryptocurrency exchange. I subsequently made an investment in cryptocurrency, totaling {$3000.00}. After a few weeks of watching the volatility of the cryptocurrency market and subsequent changes to my balance, I decided to sell my position and return my now lower balance of approximately {$2800.00}, back to my bank account. 

On XX/XX/2021, I followed the instructions provided by Coinbase to close my account and withdraw my balance. I converted my cryptocurrency back into fiat currency. I then tried to make a withdrawal and return my money to my bank account. However, the Coinbase software would not give me the option of returning the funds to my bank, but only allowed for a re-investment into another cryptocurrency in which I wasn't interested. Re-reading the Copinbase instructions, I understood that such a withdrawal could only occur after the closure of the investor 's account. So, I officially closed my account, thinking I was doing the right thing to get my funds. However, the closing of my account resulted in my inability to get access to my account, and most importantly, my funds. 

On XX/XX/2021, I began contacting Coinbase support for help. I opened a support case no. XXXX, as well as a formal complaint no. XXXX. Please read the email exchange I'm submitting. So far, they have not addressed my case and I'm asking for your assistance.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (OH)

I received an email on XX/XX/22 stating that I was approved for a Wells Fargo bank account which I did not apply for. The link in the email contained some of my personal information but when asked to confirm my identity it asked to send a txt to a phone number ending in ( XXXX ) which is not my phone number. I called Wells Fargo and they flagged my information so the account would not be allowed to be used.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Hello XXXX XXXX continually failed to verify accounts on my credit report. I have asked for accounts to be verified nth XXXX XXXX has never responded to me. So how is expert an verifying this information. According to her phone call I had with a XXXX rep they count on the company to verify this info. That it self is wrong and against the law. 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.
Consumer complaint received 2022-08-09
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. (OH)

To whom it may concern, this letter shall serve as a formal notice of my intent to file a complaint with the FTC, XXXX  due to your blatant and objectionable disregard of the law. As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated XX/XX/2022, as well as my follow up letter. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).! am maintaining a careful record of my communications with you on this matter, for the purpose of filing a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in WENGER v XXXX XXXX CORP., XXXX XXXX ( C.D, Cal. XXXX ), you may be liable for you willful non-compliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 65 day and again 40 days ago : 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 My last submitted compliant through CFPB was XX/XX/2022 ( XXXX XXXX, XXXX Equifax, XXXX XXXX  )
Consumer complaint received 2021-06-04
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)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.