davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Back in XXXX of 2019 I contacted Wells Fargo Home mortgage to inquire about a possible refinance of my loan. The individual who help me, XXXX XXXX XXXX ID XXXX. He ordered an appraisal for me in which i paid XXXX for, After the loan went through underwriting there was a discrepancy as to whether the property was my primary home or an investment property, leading Wells Fargo to provide a counter offer for the refinance. I rejected the counter but requested a copy of the appraisal that Wells Fargo had ordered and I had paid for. Unfortunately XXXX sent that copy to me as a secured email and I couldnt access it. I have called Wells Fargo several times and they are unable to find the appraisal nor do they show any records of the refinance. I need Wells Fargo to trace their records and provide the appraisal that I paid for or refund me the {$500.00}.
Consumer complaint received 2022-04-14
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. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-14
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. (CA)

XXXX XXXX was out of COVID-19 relief compliance. They didn't comply to resolve my COVID-19 relief request in XXXX of payment extension, this issue was reported to the office of Attorney General whom contacted XXXX XXXX, because XXXX XXXX XXXX was XXXX for taking advantage of consumers and so was XXXX XXXX  in XXXX. Then XXXX XXXX turned around and sent my account to a collection agency. Our Lawyer wrote back to that collection agency that XXXX XXXX was out of XXXX compliance and and the collection agency disappeared, then XXXX XXXX  surprisingly started reporting monthly charged off ( CO ) on my credit report after their collection agency disappeared.This was brought to my attention by a car dealership and wanted us to contact XXXX of why CO was reported monthly instead of just once as a charge off notice. Kindly assist us to clarify from XXXX XXXX why they kept reporting " charge off - CO '' every month? I think this causes for a lawsuit against XXXX XXXX of malicious, intolerable, incongruous monthly illegal charge-off. Thanks. XXXX
Consumer complaint received 2018-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

On XX/XX/2017 i got an Email from XXXX that my Account is blocked due a violation of Terms of Service. I don't know what I made wrong but i accept their decision of Account closure. 

My Account is blocked now since XX/XX/XXXX and since then i try to get in contact with the support to verify my Bank Account do withdraw the Rest of my -Funds from my Account that the Account closure can be finished. 

The Problem is, that the Coinbase Support Team only sends standard answers like " We will look with expert and try to solve the problem ... '' After the standard answers there come no advises or help from their side. 

I accept the decision of closing my Account and only want to withdraw my funds on my Account to follow up with the Account closing. 

When i login to Coinbase i only have Access to one Page where i can fill in a Bitcoin oder ETH adress to send coins to. ( Have no BTC or ETH on my Account ) Next Option is to choose bank Account to withdraw the funds, but i can choose no bank Account because i cashed in by Creditcard. 

Please help me to find a solution with Coinbase to get the Rest of my Money and that my Account can be closed afterwards. 


Since XX/XX/2017 i only get the same standard answers or no answers! 
They sometimes sent me some links with a how to deposit and so on. 
But when i try to open this links i always get referred to the site " Account is in closure progress '' and only have the chance to choose where to send my funds. 

My only problem is that i cant choose a verified bank Account, and i get no answer how to verify. I only need a way to get my money back, doesn't matter for me if with verification or another way. 

Hope u can help me to finish this Best regards XXXX XXXX
Consumer complaint received 2022-07-29
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. (UT)

In accordance with the fair credit reporting act, the following Accounts have violated my rights : XXXX ) XXXX XXXX XXXX, XXXX ( Also listed as XXXX XXXX XXXX  ), Account # XXXX, Amount {$950.00}, Date Opened : XX/XX/XXXX XXXX ) XXXX XXXX XXXX, Account # XXXX, Amount {$2000.00}, Date Opened XX/XX/XXXX. 

3 ) XXXX XXXX, Account # XXXX, Amount {$0.00}, Account Opened XX/XX/XXXX, Closed Charge Off. 

15 U.S.C. 1681 Section 602 A States that 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 an account without my written instructions.
Consumer complaint received 2022-06-27
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: Experian Information Solutions Inc. (FL)

I have an authorized inquiries on my credit report XXXX - XX/XX/XXXX EXPERIAN XXXX CRED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2020-04-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I RECENTLY RAN MY CREDIT AND NOTICED THE BELOW INQUIRIES SHOWING ON MY CREDIT FILE. THESE ARE NOT MY INQUIRIES, SO PLEASE DELETE THOSE INQUIRIES UNDER, INQUIRIES TO DELETE. 

I HAVE NEVER BEEN LATE ON ANY OF MY ACCOUNTS. I NEED THE BELOW ACCOUNTS UNDER ACCOUNTS TO AMEND, TO BE AMENDED IMMEDIATELY TO SHOW NEVER LATE. 

ON XXXX, XXXX, XXXX I HAD MAILED A DISPUTE LETTER OF THE BELOW INQUIRIES TO BE DELETED AND SOME ACCOUNTS TO BE AMENDED. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS, AND NOW YOUR COMPANY IS IN VIOLATION OF THE FCRA GUIDELINES FOR THE 3RD TIME REGARDING INVESTIGATIVE RESULTS REPORTS RESPONSE DEADLINES
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CO)

I receive an alert on my XXXX app and found that my credit score had dropped XXXX points. I inquired through the 3 credit reporting agencies as to what this was. Then I requested a validation letter requesting documentation of this collections, but I have yet to receive any documents except one collections letter.
Consumer complaint received 2022-04-14
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. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-29
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: CL Holdings LLC (AK)

I was a victim of the XXXX data breach of XXXX and the XXXX XXXX XXXX XXXX data breach JEFFERSON CAPITAL XXXX Acct # XXXX {$2600.00} is not my account and we dont even have XXXX in Alaska
Consumer complaint received 2022-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

THIS IS THE XXXX TIME THIS PHONY DEBT HAS BEEN SOLD. IT HAS BEEN OVER A YEAR SINCE MY LAST COMPLAINT. IF THIS COMPANY EVER SELLS THIS DEBT AGAIN I WILL SUE THEM. STOP THE NONSENSE I DO NOT OWN ANY XXXX XXXX BILL.
Consumer complaint received 2022-07-29
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

I also wrote to the Bureaus to remove all non associated addresses, phone numbers, employers and names : XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX, Michigan XXXX XXXX  XXXX XXXX of XXXX I also wrote to them to remove the bankruptcy
Consumer complaint received 2020-04-02
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. (MD)

I am writing to delete the following information in my file .The items i need deleted are listed in the report .I am a victim of identity theft and did not make these charges .i ask that the items be deleted to correct my credit report .i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commissions identity theft affidavit. please delete the items as soon as possible.
Consumer complaint received 2022-07-29
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: Designed Receivable Solutions, Inc. (AL)

I have called the company, I spoke with credit bureaus, I have disputed, I have sent in statements stating I have no knowledge of this account. That is not my name nor address. Im a victim of fraud / identity theft. I have one name and one address that I have always used.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (NJ)

Hi, I asked American Express for a physical address to which I could write to cancel my credit card, if i choose to do so at renewal. I was told I had to call or chat them to cancel. 

Is that correct that credit card companies do not have to make a physical address available for correspondence, and can refuse to accept written correspondence from customers directing them to cancel their cards? 

Thanks -XXXX
Consumer complaint received 2022-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX department stores, XXXX XXXX XXXX and XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 section 602A States that 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 an account without my written instructions.

15 U. S. C 1666B A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any reason.
Consumer complaint received 2022-07-29
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: Convergent Resources, Inc. (AK)

I was a victim of the XXXX data breach of XXXX and the XXXX XXXX XXXX XXXX  data breach CONVERGENTOUTSOURCI Acct # XXXX {$1400.00} is not my account
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

Payment history was never late. I paid two payments in advance in XX/XX/2021 for XXXX and XXXX. Then mysteriously I have a late payment for XXXX. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( B ) Reporting information after notice and confirmation of errors XXXX removed the late fees associated with that payment.
Consumer complaint received 2020-04-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC (TN)

I took out an installment loan with cash express LLC in XXXX TN XXXX/XXXX XXXX in XXXX. I requested to stop ach withdrawal verbally and or by email to get confirmation and immediate processing of ach withdrawal request..I was told instead that I would have to mail in request instead of verbally informing them to stop all ach withdrawal or by email. Dont understand how I would get confirmation that they even receive correspondence. I realized that It is a barrier of a way for them to make it difficult and prolong ach withdrawal stoppage in order to continuing debiting bank account even after verbally told not to..I also asked for a payment plan besides the one already in place to pay {$170.00}. I called told them my financial situation, They refused to stop ach withdrawal and they refused payment agreement/ ext. this company is terrible, especially in the times we are all in. I borrowed {$750.00} it is a very high interest loan, they have signs in store threatening wage garnishment, legal action, etc ....
Consumer complaint received 2020-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (MA)

My name is XXXX XXXX. AT XXXX moved to XXXX  I was locked in XXXX.. In XXXX when check my credit bureau I found one account ( XXXX $ to medical charges ). I was call to agency collection and their said it's my account ... I told with them and said I need evidence about the bill .. their send me but never didn't receive. So I was call often time and their said this is your account ... ( I try resolved it's problem since XXXX ) .. but the agency don't help me .. At XXXX I can told with the supervisor and she send me the bill to XXXX .. The bill said the name of medical emergency and the address but not phone number .. so is weird because I was never go any emergency room in XXXX XXXX..only in XXXX XXXX   hospital than call and they said I'm not have some due with medical building.. so the agency don't have true evidence about where come the bill ... and won't delete this account of my bureau credit.. also I was never the phone number appears in the bill .. when looking in internet the address the emergency room I found other things.. for me its clear.. this account is a scam ..
Consumer complaint received 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OH)

I was established with a rate reduction plan with navient private loans to pay {$340.00} a month and set agreed dates per month for 12 months in 2017. The funds were drafted from my account via auto debit. In the months of XXXX, XXXX and XXXX of 2017 the funds were still drafting as agreed however the company didn't notify me that i needed to enroll in another rate reduction plan. And the funds agreed of the {$340.00} still continuing to draft out leaving me to believe things were fine as agreed. I contacted navient and spoke to countless agents to correct this issue. Each one avoids the subject any way they can. I have recorded calls from each agent i speak with every time i call. Not at any point was i told the rate reduction program was ending or needed to be reenrolled or even that the payments had been increasing. I asked why the payments would continue to draft at {$340.00} if the payment was increased and got the response " we are going to take what ever money you owe us '' and dont have to notify you. '' The reports show 60 days late. 
I have disputed this many times with navient and no help. I have disputed with the credit bureaus and nothing has changed. 
NAVIENT has been the worst company to deal with. 

I continued to call for 2 years to have my due date changed. Each call was lies and being told to talk to this department then that department would say to talk to the other department. Back and forth between departments to simply resolve the matter in date changes. Surprisingly some of the late fees they charged were removed after i called and spoke to multiple supervisors.
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX XXXX, upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX : {$7500.00}
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX 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, and 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 2022-10-08
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. (PA)

In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX TX, last XXXX of account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-12-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NJ)

I opened CITI bank Priority account which promised an account opening Bonus of {$600.00} after qualifying activities of depositing {$50000.00} and keeping money in the account for 5 months! 

Even after qualifying activities are fully completed and confirmed by CitiBank Customer Service Representative, they are NOT depositing my Bonus of {$600.00} in the account. 

If I chose to close the account then they will not deposit the bonus even though my account and money ( {$50000.00} ) are held by them in my account for more than 5 months now. 

If I decide to make full withdrawal of my money {$50000.00} and keep the account open so as to receive the bonus amount of {$600.00}, they will charge me account maintenance fee as account need to have {$50000.00} at all the time to avoid account Maintenance fee. 

I simply want to get my bonus of {$600.00} and withdraw all of my {$50000.00} held with them and close the account immediately as I need the my money back soon. 

Purposely they are delaying the bonus depositing process to keep my {$50000.00} locked with them. 

I attempted to escalate the matter but they are not doing anything. I have spent hours with them on phone but they do not seem to care. 

They do not have any mechanism in place to keep a record of two way communication between bank and the client. 

Very deceitful tactics by citibank. 

Kindly help.
Consumer complaint received 2018-12-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I submitted a Dispute Report, with Equifax,2 weeks ago, and from my understanding, it can take up, to 30 days, for the dispute to be completed. Because it was some Inquiries, that was placed on my credit report, that was done unauthorized by 2 dealerships. I mailed the letters off to Equifax on a XX/XX/2018, and the very next week, i received a letter from Equifax, stating that Dispute has been completed, and i was like, it has only been a week.I contacted some of the Creditors and I talked to some of them, also upon my Knowledge, Equifax, never reach out to none of them, in regards to this matter. I felt, like this is inappropriate behavior, in regards to this matter. I have been having ongoing problems, with Equifax and my credit report. 

Also, I have contacted Equifax, numerous time, to have my Phone Number added, to my credit report, and as of today, it has not occurred, when i try to do things with my credit card company, i can not be verified, because my telephone number is not acculturate with Equifax, and i have called them, on numerous time, in pertain, to this matter.