davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

A credit card ( with an account ending in XXXX ) was fraudulently opened using my information with Capital One in XXXX. I received a notification at my correct address from a debt collection agency in the spring of XXXX for {$1700.00}. Since receiving the letter from the debt collector, I have been trying to remove the fraudulent account. I filed a report with the CFPB ( CFPB case : XXXX ) over the summer of XXXX and received a response from Capital One stating " we performed an investigation and confirmed that the account ending in XXXX was opened on XX/XX/XXXX. After performing our review, we believe the account belongs to you for the following reasons : The contact information used to open the account ( listed below ), has been linked to you by public records. 
XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX We mailed billing statements to XXXX XXXX XXXX XXXX XXXX, KS XXXX, which has been linked to you by public records, and did not receive any returned billing statements or other mail sent to this address. 
The Social Security number and date of birth we have on record for this account were verified as yours. '' I have been unable to get the credit bureaus to remove the XXXX XXXX XXXX XXXX XXXX, KS address as I have been told that it is the address tied to the capital one account. I have disputed and had the XXXX phone number removed from my credit report as it is not my phone number and I have never had a XXXX area code. The XXXX XXXX XXXX XXXX XXXX address has also been disputed and removed from my credit report. I have never lived in XXXX Kansas. My driver 's license and social security card were stolen in the spring of XXXX and I have documentation of a police report that was filed. 

I have attempted to call Capital One multiple times since I received their CFPB response and have made no progress with them. My lawyer attempted to send supporting documentation to Capital One in the fall of XXXX and neither of us received any response. I have received continued notifications from debt collectors.
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

I am getting in touch with you because I have lost money being in my account opened in Coinbase. I have been subjected to fraudulent activities without any help from Coinbase. Despite my numerous calls and messages to Coinbase customer service and fraud department. Only my warning to XXXX  XXXX XXXX fraud department prevented even larger loss of my money. Coinbase tells that it uses robust security measures to protect its users from losing their funds or data to hackers. Unfortunately, I am the victims of Coinbases lack of security. 
Attached is a small portion of my long communication with Coinbase. 
Thus, I hope that you can help me to get my money back ( about {$6000.00} ). 
I am looking forward to hearing from you. Thank you.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (PA)

On ( XX/XX/2024 ) I sent an Identity theft letter to ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). I have not received a response nor has ( XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ) complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that was mailed on ( XX/XX/2024 ) and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and request made by the consumer. ( XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ) have not made one call, or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the the consumer 's report, as by lack of response and documentation requested it signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.
Consumer complaint received 2016-11-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONLINE Information Services, Inc. (NJ)

on XXXX/XXXX/2016, I mailed a debt validation letter to Online Collections in regards to a alleged debt with XXXX XXXX XXXX Account # XXXX that I DO NOT OWE! Online Collections failed to verify the debt, refused to answer the stipulated question in my debt validation letter and in return, mailed me a XXXX-page single line statement that list the name of the doctor and a charge of {$77.00}, THIS IS NOT A VALIDATION OF THE ALLEGED DEBT!
Consumer complaint received 2015-05-09
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC (MI)

I purchased a vehicle through XXXX XXXX in the state of Illinois. I payed off the remainder of my car loan in full this year in XXXX. I waited over two months to receive my title in the mail and did not receive nothing. During that time I was receiving calls from Westlake Financial stating that I still owed a remainder on my car loan. They had explained to me that XXXX transferred my account over to them but never why. I told them I had pay off the remainder of my car loan, so they asked for verification in which I had faxed over proof several times. Westlake Financial had told me they were going to send my title, they just needed verification, and that it might have been an error in XXXX system. Repossession has also been coming to my home trying to reposes the vehicle that is already rightfully mine. I still have yet to receive my title in the mail after I have faxed over proof to Westlake Financial numerous times, stating that there going to fix the situation and send me my title. Westlake Financial still calls to this day stating that I owe payments on my vehicle so the situation has not been taken care of.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC (IL)

I worked very hard to get my credit score to a XXXX only to have the same company constantly give derogatory marks on my report to wheee my score is now down to XXXX. 
I have repeatedly let this company know that the account is not my account but it was reopened by my sister who is now deceased. My sister used my name and social security number to apply for numerous credit account which lead to hard pulls and inquiries destroying my credit. This company has made no effort to look into this situation at all. I have disputed it with XXXX XXXX several times to no avail. XXXX XXXX is the account owner and before death had a ID with her face on it and my name and I am guessing this is how she was able to obtain credit in my name. The company is XXXX XXXX XXXX XXXX XXXX  and the collection company is NCA National credit adjusters. The account was opened in XXXX  and they are reporting a different date and Im not sure weather this is a loan or a credit card bc it is not my account and this company does not care about that. They keep reporting it on my credit when it should be reported on XXXX XXXX credit report. I have reports that are different with the 3 bureaus but its the same NCA company and XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I'm missing alot of my direct bank deposits and other money that was supposed to get deposited wells Fargo put a block I couldn't receive my money and also ridiculous fees that I was charged and also I was highly compacted from the identity theft program
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Experian has not corrected erroneous and negative information on my credit report in spite of numerous requests to them and numerous complaints to CFPB. The incorrect information has to do with my revolving account at XXXX XXXX. The same erroneous information was also on reports from XXXX  & XXXX  but they have corrected the information since then based on the supporting document from XXXX  submitted to them. However, Experian continues to deny my claim. It has close my recent complaint at CFPM citing that : 1. They contacted XXXX and the information has been verified to be true. This is a false statement because I know for a fact that the specific department at XXXX that would verify this information has been closed since XXXX on account of the pandemic. Additionally, if they contact XXXX, XXXX would verify that what I am saying is true since they sent me a letter in early XXXX which states that they agree that they reported negative information in error and that they've requested the various credit agencies to delete this potentially negative information from my credit report. 
2. The supporting document/letter from XXXX  ( that I uploaded to my complaint ) directly ascertains the facts but Experian is ignoring the letter. 
I urge the CFPB to read my complaint and the supporting document to verify for themselves that Experian is perpetuating fraud and lies in this situation. How can CFPB allow a company to blatantly lie when the facts prove otherwise?
Consumer complaint received 2024-02-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MO)

My complaint is about the handling of the vehicle financing. Under the SEC Act, concerns with securities fraud and tax evasion are raised. My promissory note/certificate of indebtedness has been securitized by this company where they received a cusip number and engaged in trading activities. I have done everything correctly and sent to the correct place/person/trustee according to their Indenture agreement and prospectus reports on sec.gov. They have even sent back my copy of the 1099-A which is attached along with other communications and proof of registered mail. Ally is engaging in securities fraud.
Consumer complaint received 2024-02-11
Product: Credit reporting 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. (MN)

My information has been stolen and used without my permission, consent, nor my knowledge whom ever stole my information applied for Auto loans, credit cards, and many other items, here a list of unauthorized inquiries that was made on my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All the above listed inquiries are unauthorized and was done without my permission, permission, nor consent and must be deleted from my credit report with all credit bureaus under these illegal inquiries are reported illegally on my XXXX XXXX  report, XXXX report, Equifax report, and XXXX XXXX report. It must be removed ASAP. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I took out a loan from XXXX in 2016 at an interest rate above 90 % at first I was making good payments of {$290.00} on the loan even at times making extra payments for a close to 21 months. I ran into some had times and could not afford the high monthly payments, my loss in income and health issues, I did not have the money to make the payments of {$290.00} every month. The loan from XXXX was originally {$2600.00} at 135 % APR so 21 payments a total of {$6100.00}. XXXX states I still owe them {$1200.00}. I have sent them letters that I was on XXXX from my job and with a lower income it was very difficult to make the {$290.00} payments every month. XXXX sent a letter back offering to accept a final payment of {$120.00} to close the account and show paid as agreed on my credit report. I sent them the payment within the offered time that XXXX demanded. I sent the payment on XX/XX/2016. as of today XX/XX/2016, XXXX has yet to process the payment, but now sent me an email stating that I owe the {$6000.00} plus dollars and they are will to settle the debt for {$1500.00} dollars. When I sent them an email regarding the matter the stated that I needed to call them to resolve the matter. I said I would like to correspond with them via email, because I do not like how the mislead clients and deceived consumers.
Consumer complaint received 2020-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I had these on my credit for several years and months. I never knew I could dispute because the creditors told me legally Im responsible. Now I know this isnt true these are not mines please delete XXXX XXXX XXXX Update My Account Action Sent XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX - ALL XX/XX/20 XXXX XXXX XXXX - CREDIT CARDS I was a victum of XXXX and was XXXX XXXX I was on the XXXX  for 3 days. I XXXX  and the car company never honored to update my account from late. I was not late I was XXXX. Please help me. I need to get all my affairs in order
Consumer complaint received 2020-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (NM)

On XX/XX/2020 is was brought to my attention by XXXX XXXX that a collections account had been placed on my credit. This astonished me as I have very good credit, always pay my bills and have never had a collections account. In logging in with XXXX  it shows with Allied Collection Services on behalf of XXXX. I have no idea what this is. I have never owned a XXXX line or ever attempted to open one. My wife and I have XXXX and have had them for over 17 years which can be verified with them. I've contacted Allied and they've said there is nothing they can do to help me dispute this as they are representing XXXX. I've contacted XXXX and they've said there is nothing they can do. I filed the dispute with XXXX  and it appears they just said they " verified '' this with the lender. That doesn't help me at all based on the fact that this is not my debt!!!! I need help from someone. 

This does not belong to me or my social security number. I'm happy to show or verify all my information including an investigation if needed by picture in stores as I've never been in a XXXX store. I'm in law enforcement and this is fraud filed on my credit.
Consumer complaint received 2016-12-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is a collection from " XXXX '' collecting for the alleged original lender, " XXXX. '' I have never had any dealings with XXXX or any of its companies. This collection is fraudulent and has been investigated, found to be inaccurate and removed by XXXX and XXXX. TransUnion needs to investigate and remove this collection from my report. XXXX is being investigated and sued by many states for this and other fraudulent acts.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I had 4 loans that was in default and showed as default with the US Department of Education on all 3 credit bureaus ( XXXX, Experian, XXXX ). Please note that these loans was consolidated into one loan with FedLoan Servicing, under account number XXXX.
Consumer complaint received 2024-02-11
Product: Credit reporting 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. (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC (OH)

They call me XXXX times a day. I do not owe anyone money. Period. I have excellent credit. They refuse to send me a bill in the mail, put it in writing or even tell me who I supposedly owe money. They are the most obnoxious, rude people. I asked who I supposedly owe money to and she hung up on me. Yet every single day, they leave at least XXXX message. THEY NEED TO BE STOPPED!!!!
Consumer complaint received 2020-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I was scammed when I was trying to sublet my apartment. The scammer sent me a cashiers check for more than the rent. After I deposited the check, I sent them the difference of two via XXXX. Then the check I deposited turned out to be fake. I contacted Chase to try to undo the transaction and they said there was nothing they could do because I initiated the transaction.