davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

I have called XXXX XXXX at the end of XX/XX/2019 about when are they I'm going to report my auto loan to report to the credit agencies and KIA told me that there will report every three months, because I'm not current on paying my auto loan. That is not correct I pay every 25 days. I even pay the late fees just because of my payment schedule. As long as I am not 30 days past due this should not be an issue. The person I spoke with at XXXX XXXX very rude and disrespectful and hung up on me. How nice since I paid over 13 % interest. The car is almost paid off. On eight {$22000.00} dollars car i'll end up paying over {$44000.00}. And they can't even be nice. All I ask is for them to report every month like everyone else. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NM)

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX has been trying to collect 2 amounts they claim were owed by me personally to XXXX XXXX XXXX XXXX. The record from my credit reports shows this detail : Collection amount {$54.00} Original amount : {$50.00} Went into collections XX/XX/XXXX Collection amount : {$57.00} Original amount : {$53.00} Went into collections XX/XX/XXXX While a Limited Liability Company I am a member of owns a property at the address provided - XXXX XXXX XXXX XXXX, XXXX, NM, I never personally had an account with XXXX XXXX XXXX XXXX for that address, and to my knowledge neither did the LLC that owns it since it is a rental property and the renter always had the account. Further, I have no way of receiving mail sent to that address. As I was trying to investigate it and remove it from my credit reports ( which are otherwise without blemish and I have an excellent score ), I found that 1. No bill was over received by me from the original creditor ( XXXX XXXX XXXX XXXX ), 2. It appears that out no such bill exists as the collection agency also does not have a bill ( I believe it is illegal for an agency to try and collect a supposed debt they don't even have a bill for ). They were only able to provide a statement which actually shows a balance of {$0.00}. 

Today they have called me yet again, and when I asked them to provide the original bill for the collection she said she did not have it and very rudely told me to contact XXXX XXXX XXXX XXXX for that. When I pressed her if she has in her file any valid proof of the collection amount, she abruptly hung up on me. She has hung up abruptly at least on one other occasion. 

I can only guess that a renter owed money to the XXXX XXXX   XXXX XXXX, and in trying to collect it from the renter, the renter gave them my name claiming it was somehow the landlord responsibility. XXXX XXXX XXXX may have thus created an account and may have sent a bill to the address of the property, which, again, I have no way to receive mail for this address and it is not my mailing address or the address of the company which owns the property. I want to emphasize that this is only a guess of what might have happened, as I have no proof or a way to investigate it. 

I believe this is an illegal and invalid collection on several fronts. I actually don't care about the expense involved - it is relatively minimal - but I shouldn't have this collection on my record whether paid or not.
Consumer complaint received 2018-01-31
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (NY)

They have been calling more than 8 times A-day every day nonstop. My daughter was made fun of for her XXXX she has no money she is unable to work and is waiting to be approved for XXXX the company will not work with her and continued to harass myself and her and keep telling us both lies they told her if she made a payment that it would push everything back for 30 days and be fine then 5 days later they called me told me the loan Would be summat sent to litigation and collections and demanded money for me that I don't have even though they told her something completely different and continue to lie to us and you anything in their power to get the money from us that we don't have even know we keep calling them trying to work with them they just keep telling us lie after lie and scamming us We want the harassing phone calls to stop and allies to stop we are trying to figure out a way to make everything work we have asked them to work with us they refuse to buy wish these loans could just be released They have done so many wrongful things including discrimination lying harassment, Basically their lies are just trying to scare us into making payments I understand that we owe money but like I said no one has it and we've been trying to work with them and set up a plan until the XXXX has been approved by the State of New York and they don't seem to care they just keep telling us lies to scare us into whatever they see fit
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

CITIBANK is reporting deformatory information on me, I dont have a copy of this information and it is my right to see it, i recently went to open a checking account and the banker told me citibank is in the system saying i owe them XXXX,,,,,,, well in fact I never received a ''BILL '' from citibank, you see a ''bill '' would define something that you owe, and a ''statement '' does not show what you owe, just a ledger record, also citibank is keeping secret accounting records and will not show them to me, also citibank sold a check that was allegedly bad and claim i owe them for it, THEN WHY THE XXXX DID THEY SELL IT TO A FINANCIAL INSTITUTION IN XXXX OF WHICH I TACKED DOWN THE 15 DIGET NUMBER, they refuse to give back the original instrument with my wet ink signature because they sold it, so therefore what justifies any debt, they are liers and fraudsters and i will be following up with tangible facts of thier crimes, CITIBANK AND ALL BANKS ARE XXXX CRIMINALS, YES THEY ARE, THEY THINK NOBODY KNOWS THIER TRIX,
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (PA)

my Us bank reliacard is locked since XX/XX/XXXX I sent out my id verification on fax it's been 3 weeks I got fired from my job because I got tested XXXX for XXXX I missed work from 2 months XXXX and XXXX I need this money for bills and put food on the table
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (UT)

I clicked on an ad for a new account promotion which Citi was running. If i deposited $ XXXX in the account within 60 days of opening, then kept in for 90 days i would get the {$500.00} bonus. I made a deposit of {$15000.00} on XX/XX/2019 and still have not received anything. The money has not been earning interest and Citi has not responded as to why it has been more than 5 months.
Consumer complaint received 2018-01-20
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. (FL)

That company equifax never delete this account of my credit report after 1 year of dispute. 

The collection company maked a credit violation on X/XX/2017. 

The case number was Case # Debt Collector Original Creditor Balance Violation Type Open Date Status XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX Letter XX/XX/17
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (FL)

There is an account being reported on 2 of my credit reports by XXXX XXXX XXXX. I contacted XXXX XXXX on XX/XX/, by telephone at XXXX and spoke with a customer service rep named XXXX XXXX. He advised that he didn't have any information matching my name, address or social security number and that he was going to submit an account resolution update to get the information stopped from being reported. I have sent a letter to the credit bureau requesting the information to be removed or updated certified letter return receipt XXXX. I have uploaded this letter as supporting documentation. To date, this account is still being reported on my credit reports.
Consumer complaint received 2018-01-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WA)

XXXX XXXX # XXXX. 

On XX/XX/XXXX, I became aware that I was unable to access or sell my cryptocurrency stored in a Coinbase Vault, because I did not have access to the 'secondary ' email address associated with the account. I submitted a support ticket through the Coinbase website. I received response from Coinbase via email that someone would close the Vault account and create a new Vault on my behalf with a valid email address. 

After no further response or action from Coinbase, I followed up with several email asking for resolution. My follow-up email to coinbase were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Most email received an automated response. I also called the customer support line several times, but most attempts did not reach a person ( wait times >45mins ). The times I got through, customer support was unhelpful. 

On XX/XX/XXXX, I reached out to the company ( XXXX ) associated with my secondary email address, to see if I could regain access. XXXX informed me that I never had an email address that matched the one on file with Coinbase ( started with " d '' ). It was at this point that I realized that Coinbase had changed the 'secondary ' email address associated with my account without my authorization. I checked the email Coinbase sent at the time of the Vault account creation, and can confirm that the email address I used at the time of account creation is no longer the email address associated with the account. It has now been XXXX months, without any resolution.
Consumer complaint received 2021-08-05
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: Westlake Services, LLC (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft WSTLAKESVC Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2018-01-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC. (FL)

I have an erroneous collection account being reported on 2 of my credit reports by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX on XX/XX/2017, by telephone at XXXX and spoke with a senior representative named XXXX. She advised me that she didn't have any information on this account and if I wanted to dispute it I would need to send a letter to their corporate office at XXXX XXXX XXXX XXXX XXXX ; XXXX, Texas XXXX. I sent several letters via certified mail return receipts ( XXXX and XXXX ) to both Exeter Finance as well as the credit bureau reporting the information asking for documentation and method of verification. I have uploaded this letter as supporting documentation. To date, this account is still being reported on my credit reports and I have never received any responses back from Exeter Finance nor the credit reporting agency.
Consumer complaint received 2018-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MI)

XXXX XXXX XXXX, a collection agency is reporting to all three major credit bureaus ( XXXX, XXXX and XXXX ) that I have a bad debt with XXXX XXXX from 2014. I have never had an account at XXXX and have been a customer of XXXX for over ten years. This account is in error and is being inaccurately reported. I asked them to produce written documentation that this is my account or else stop calling me and remove it from credit report. They never sent verification but they did stop calling. However this collection account is still being reported to currently to all three credit bureaus.
Consumer complaint received 2018-01-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Hi. I have sent XXXX euros from my account via XXXX transfer to COINBASE, XXXX.LTD. 
40 days ago on the date XX/XX/2017 from my bank account in the " XXXX XXXX  XXXXXXXX XXXX XXXX ''. XXXX  XXXX : XXXX The time for arrival is 1-3 days and still i have nothing listed in my account. 
I have contacted them 3 times. I have sent them the photo of the invoice with them responding by automated bot. 


These are the case numbers of my complaints : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX Most of the times i get useless responses telling me to send them more money to verify my account. I dont want to send more money i want them to find the deposit i already made.
Consumer complaint received 2020-06-22
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: BANK OF THE WEST (CA)

Last time when I forwarded a complaint to CFPB regarding Bank of the west or BOTW, BOTW took exactly 60 days to respond to my concerns, so this time I want to give them  a heads up in the beginning. 

I filed two disputed on XX/XX/2020 and I have proof of that, one charge was from XXXX   XXXX  for {$120.00} ( dispute amount ) and the other one {$3.00} I am just letting BOTW know about this through this platform, so later they don't come up and say that they didn't receive the disputes from me. 

Because they can come up and say anything. 

I am also attaching the emails I received on XX/XX/2020 from BOTW regarding my disputes.
Consumer complaint received 2018-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NV)

AFNI company sent me a collection notice trying to collect a debt of {$1600.00}. I do NOT have a contract with AFNI, and I am NOT liable for this collection for this debt from XXXX. I am requesting that AFNI cease and desist all collection attempts. I do not have any accounts with XXXX either. I am also a victim of identity theft.
Consumer complaint received 2018-01-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (LA)

I was going to XXXX school in XX/XX/89, and they took all the monies, one day we went and the next day after we gave the monies to the school they were closed, I never finished school, I am on a fixed income and now they are taking it out of my Social security they has been 27 years I have called repeal times about this and I asked because the school closed and I could never finished I was a single mother of XXXX kids and I had to work, I would like to see if they will Reduce the loan amount or even cancel. I am XXXX please help me
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CA)

original judgment date entered on XX/XX/2011 total judgment {$7200.00} + interest after judgment total {$14000.00} What happened was I paid this collection off 6 -8 yrs ago. My credit report show that I have paid off all my collections but its been so long I have lost proof of payment.
Consumer complaint received 2020-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

After reviewing my credit report on both XXXX  and Equifax i noticed that there is a collection from XXXX / XXXX XXXX. It was opened on XX/XX/2019 amount of XXXX. I have no clue where this collection came from. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 
Collection Details : Company : XXXX, XXXX XXXX. 
Date : XX/XX/2019 Amount : XXXX
Consumer complaint received 2020-04-27
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. (NJ)

I DID NOT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX Inquiry : XX/XX/2019XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX  XXXX Inquiry : XX/XX/2019 XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX   XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX - XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXXXXXX XXXX  XXXX Inquiry : XX/XX/2019 XXXX   XXXX XXXX Inquiry : XX/XX/2019 XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX  XXXX Inquiry : XX/XX/2019
Consumer complaint received 2020-04-27
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: U.S. BANCORP (WI)

I got scammed from a vender selling defective product Online from my US Bank credit card for {$79.00}. Ive contacted vendor many times, unfortunately, never get a response. 

I tried to get help from US Bank credit card Financial institution company to dispute the charge. They were unable to help.
Consumer complaint received 2020-04-27
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. (NJ)

THESE INQUIRIES WERE DONE MISTAKENLY AND WITHOUT MY CONSENT I HAVE SENT THESE TO THE CREDIT BUREAUS WITH SEVERAL TIMES AND WAS TOLD INQUIRIES ARE ACTUAL. AS YOU CAN SEE THEY ARE NOT. 

XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX  Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX   Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank  XXXX Inquiry from XX/XX/XXXX Finance XXXXXXXX XXXX Inquiry from XX/XX/XXXX Finance  XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank  XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX   Inquiry from XX/XX/XXXXXXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXXXXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance
Consumer complaint received 2018-01-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (PR)

Since last XXXX of 2017, I have asked credit bureaus to verify and eliminate from my credit report the following accounts that I mention below which do not belong to me. Modifications of mixed names have not yet been corrected. Request to validate these debts that indicate they belong to me without positive reply
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Hello XXXX  : XX/XX/XXXX. I have contacted XXXX   Credit Bureau and i have made it aware that i am a victim of fraud. On XXXX of XXXX my wallet was lost and it came to my attention several years later that an account was opened under my name a few years later. I filed a police report on XXXX and i am sending you the attached report to confirm that it was an act of identity theft that was made on my consumer report. For the most part the accounts were removed and place back on to my consumer report. I believe it was suppressed on your end and not fully and permanently removed. To my understanding if an account was open without my knowledge pertaining fraud and it was because of identity theft, it is out of my control and should be investigated immediately. I have sent in certified letters along with proof that this was identity theft. I am asking for an internal investigation for the following accounts that is listed on my consumer report to be investigated and removed permanently. If the accounts continue to report as an error on my consumer report, i will be faced to report your company live and show complaints on how your company is purposely placing errors on people consumer reports. I will be forced to take legal actions immediately upon this response. XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX, XXXX XXXX XXXX Cr XXXX XX/XX/XXXX XXXX, XXXX Pay Off ), ( XXXX XXXX  ), ( Dept Of Education ) If the erroneous accounts and information is placed onto my consumer report or if my personal information is sold to debt collectors i will be sure to take legal actions. I repeat do not attempt to resell and information to any debt collectors. This is not a threat. You are liable for the erroneous accounts.
Consumer complaint received 2018-01-15
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)

This credit bureau continues to report an unverified Public Record ( Bankruptcy ) that I have disputed. The credit bureau is violating my rights, under FCRA, due to failure to provide accurate reporting. The credit bureau has refused to provide me with the 3rd party furnisher of this information. I spoke to my local court and they reported they did not provide any of the credit bureaus with info. They have not verified anything, but keep sending out generic letters saying there was an investigation.
Consumer complaint received 2018-01-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Client Services, Inc. (MD)

I was threaten by my case manager several times in the beginning of my debt being sold to this company. I was threaten over and over again. However, once I set up a payment plan with this collection agency XXXX XXXX  continues to post on my credit report that they are not receiving a payment. Where is my money going? Why am I being threatened?