davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

Hi, I am using this to report chain mail fraud. Not sure what is more impressive, the creative department names or titles! This was a fun run. All Wells Fargo correspondence is sent via electronic means. I do not receive or have approved any mailings. Attached are photos of the envelopes and mailings. Just some, I threw most of them out. Please investigate, I have lost {$200.00} because of this. Thanks. All happenings have been reported to Wells Fargo. 

Logos on the envelopes are ill placed and the lettering is not appropriately sized They are using a Newspaper and advertisement black and white print logo, not the exact tone match. 
The Watercolor logo is not embedded, but printed. 
Addresses keep changing Black and white not in color as per the general Wells Fargo mailing Cheap paper Double sided printing Not the Wells Fargo designated envelopes. 

Under zero circumstances, are any correspondence and attachments to be shared with XXXX XXXX, or any other Attorneys at XXXX, XXXX, XXXX. Thanks Reported BY : XXXX XXXX Customer XXXX XXXX XXXX, XXXX Ca XXXX
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3700.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX of inquiry XX/XX/2020 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX Date of XXXX XX/XX/2020
Consumer complaint received 2020-08-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Based in XXXX, I have had an account with coinbase, I have used it to purchase cryptocurrency up to now. 
About three weeks ago the account blocked me from trading, buying or selling bitcoin and ether, it erased my payment methods saying that I need to add another credit debit card but it wont allow me to add a card. ( Tried all three of my cards ) I have tried many times to contact them and written to coinbase via their customer service but it just goes around and around in circles. 
I have over {$6000.00} US dollars stuck in a portfolio in this account, my life savings and I really dont know what to do. 
I have another XXXX account that works perfectly without issue. 
Please can someone help me to retrieve my funds blocked in my coinbase portfollio
Consumer complaint received 2020-08-09
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: Navient Solutions, LLC. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-09-04
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: LEXISNEXIS (OH)

My name is XXXX XXXX XXXX DOB XXXX SS XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. please remove the following addresses from my credit report they are not accurate please remove delete ASAP :XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , WV XXXX, XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX , XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2022-08-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I've contacted the accounts listed below & they told me I've never missed a payment, yet Experian, XXXX and XXXX refuses to fix the accounts from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experian, XXXX and XXXX 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile. 
DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

When I send my money to this company for investing in cryptocurrency they just take my money and give me back my profits after one year and then they didnt give me any profits again and they scam my original money and I think theyre just XXXX. The company named coin base.
Consumer complaint received 2020-08-09
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: Nelnet, Inc. (MA)

I see several 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-11-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION (VA)

I have bill service at BBT and month after they pay bills on and earlier than what schedule it be paid resort shortage of funds and a charge for over draft when you call them on it they send a email stating over draft would be refunded un [ less you send a follow up email you don 't get the refund, I requested a list of the over draft charges and proof of the credit to date I have not receive nothing this conduct has caused my gas to be cut of two When I ask the bill wasn't paid to date no reply when they pay early the funds ion my checking is used and when my monthly deposit is made they pay the scheduled billed and never put back the fund they paid out early and misused my funds, they just pay the bills as scheduled from new funds the missed used funds is never refunded nor the over draft charge
Consumer complaint received 2022-08-02
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. (VA)

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
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 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2018-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I have a XXXX XXXX credit card through XXXX XXXX. My annual fee of {$95.00} posted to my XX/XX/2018 statement on XX/XX/18. I immediately requested to close the card and get an annual fee refund. I did not owe any balance, other than the {$95.00}, at the time. I was assured the account would be closed, I didn't have to pay anything more, and that the annual fee would be waived within two billing cycles. The XX/XX/2018 and now the XX/XX/2018 statements have cut and I still have not gotten the annual fee waived. Also, I was recently charged a {$25.00} late fee for not paying, at their direction, the minimum due on the XXXX statement. They also charged me {$2.00} in the minimum interest per the credit card agreement, even though I was told not to continue paying since the annual fee would be refunded. This did not happen for the XX/XX/2018 statement because I had automatic payments on, which paid the {$25.00} minimum. The {$2.00} interest charge and {$25.00} late fee were waived on XX/XX/18 at my request. However, the XX/XX/2018 statement just cut and now there is another {$2.00} interest charge posted. Also, my account, when logging in online, says I am delinquent and that I need to pay the minimum payment due, even though I was told by numerous customer service reps since XXXX in various chat sessions, that I did not need to pay anything. This has been " escalated '' two or three times since XXXX and there has never been a resolution.
Consumer complaint received 2018-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (DE)

After the major data hack that happened to Equifax in XX/XX/2017, I did sign up for the remedial credit monitoring and protection service being offered by Equifax but to my surprise, Equifax sent access information to my wife only. I waited forever expecting my own log-in credentials to arrive in the mail, it never came. I do not know Equifax 's explanation for this denial of service after having carelessly exposed my data to hackers.
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (FL)

I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX  XXXX Balance : {$530.00} ; XXXX/XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MN)

I had a XXXX XXXX membership card with a Credit card issued by Synchrony Bank. The Account Number was XXXX XXXX XXXX XXXX. The said account was replaced with a new Master Card issued by Synchrony Bank bearing Account XXXX XXXX XXXX XXXX XXXX. However it seems the old account was never closed by Synchrony Bank. I have been using new XXXX XXXX card and associated with Account # XXXX XXXX XXXX XXXX. 
I recently noticed old account was never closed and I was un aware and recently I got reported a delinquent payment of {$14.00} and it impacted my Credit Score negatively.

I spoke to Synchrony Bank person and have closed the account which was supposed to be closed when a New card was issued in lieu of old account but they have not corrected the issue.
Consumer complaint received 2018-11-11
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. (OR)

Equifax, XXXX  and XXXX  have deleted an account off of my credit report not once not twice but three times and have been deleting the account and then a month later re-adding the account back onto all 3 of the credit bureaus. The account is XXXX XXXX. This has been going on throughout XX/XX/2018. The account was just added back onto all three credit bureaus after being deleted for the second time last month in XXXX. This is ridiculous. It sinks my score the more they delete it and re-add it. Once an account has been deleted that should be final.
Consumer complaint received 2018-11-12
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: U.S. BANCORP (NC)

***To whom it may concern**** I have noticed that US BANCORP have placed an inquiry on my XXXX  credit file dated XX/XX/18. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to  inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. XXXX report that you US BANCORP pulled a hard inquiry. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; ''
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (ME)

In accordance with The Fair Credit Reporting act.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX, CA XXXX Account # xxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account # xxxxxxxxxx XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX account # xxxxxxxxxxxx XXXX XXXX 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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items or information, other than records of conviction of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-08-09
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$4300.00}, {$1600.00}, {$4500.00}, {$12000.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- CLOSED ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Consumer complaint received 2020-08-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (PA)

XX/XX/20 received a USBank Reliacard. It shows a balance of {$11000.00} in UC Benefits. I did not apply for UC Benefits I am retired for 7 years. I believe someone has Applied for these benefits illegally. Can you please help me with this problem. Unfortunately I had to activate the card to find out any info about it. I have not made any withdraws on this card and I don't intent to. Please help me with this problem. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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. (IN)

I need to remove an account from XXXX XXXX from my account. That was my ex-wife 's account, not mine. I have submitted numerous disputes with XXXX but it never gets removed or updated, I have a letter from XXXX XXXX saying I am not on the account.
Consumer complaint received 2020-08-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Westcreek Financial (WA)

In XX/XX/2019 I purchased a set of tires from XXXX in XXXX XXXX, WA. for approximately {$650.00} dollars, and they set me up through West Creek Financial as the only option of making monthly payments on the tires. When I made the purchase, I was not made aware nor was I given paperwork that the payment must be completed in 100 days, and XX/XX/XXXX still does not have paperwork to back this. West Creek Financial also never notified me by mail or email at any point during this period of time about this 100 days to pay the debt. 

When I realized I was being charged beyond my initial purchase amount, I called West Creek Financial and they told me my balance is over {$1500.00}. West Creek Financial was not able to explain these terms to me over the phone, and XXXX could not explain it in person when I re-visited them to fix the issue. So my debt was more than doubled and this is something I was not notified of by anybody.
Consumer complaint received 2020-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

XX/XX/2020 i was online looking at houses and they had contacted me via email and told me that they owned the house and after looking at my info they then told me i was accepted as their new tenants. they sent me a copy of the lease and we both signed then i gave them the {$1800.00} and was told i can move in on XX/XX/2020. XX/XX/20 comes along and no one is answering or texting back or even emailing back. i never got the keys. i then drove by the house and other people were moving in. my boyfriend and i tried to knock on the door and talk to the people in the house but it looked like no one was there. i have a copy of a " rental agreement '' signed with us both. They said that the one husband got a job offer in Nevada and that they had to move and just wanted a family to take care of their house while they were gone. i tried to call my bank ( Chase ) to get it was resolved but since its Saturday they were closed and said to call back. im not sure if i can even get the {$1800.00} back and i really need that to put down on a down payment for a house or apartment. im a single mother that gets no help from my sons biological dad, this is all i had in my savings