davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hunt & Henriques (CA)

Hunt and Henrique summoned me for a credit card debt and never sent me a demand letter and just sued me without notification. I sent them a letter requesting documentations of proof of this debt. Hunt and Henrique has violated the Fair Debt Collections Practice Act. Their employee XXXX XXXX called me at XXXX and left a voicemail which I strictly stated in my last letter to cease all communications and collection activities until this account has been validated per CFR 1006.34 ( c ), FDCPA & 809. Per the Fair Debt Collections Practice Act they now owe me money.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo closed my credit card account which Ive been a member since XXXX. This happened in XX/XX/XXXX due to the fact that my ex wife filed XXXX. I was not aware or did not remember her being on this account as we were married for 34 years I was never notified by the credit card company that they were going to close the account until we went to use the card for a purchase for a business.they damaged my credit score by closing this account. I have tried to contact the company Multiple times XXXX. I was given a XXXX XXXX and a XXXX XXXX names but neither one of these people will return my call and speak with us. I am so aggravated and its not that I need that credit card but the damage to my credit standing from them closing this account I never filed bankruptcy I was never late I always paid my bill, always on time. If not ahead in for this company to just ignore us like we dont exist, has fired me up, especially the damaging of my credit is unacceptable. I want to hear from these people because they need to rectify their mistake. And compensate me for the damages to my credit Thank you.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I went to check my balance on my unemployment account through Bank of America and it was at {$00000.00} so I spoke to the claims department and they told me that on XX/XX/XXXX someone had transferred {$5000.00} into a bogus account. Then on XX/XX/XXXX they transferred the remainder of {$1400.00} into the same bogus account. At that point I was told that they would do provisional funding within 10 working days. Well the 10 days came and went and they've done nothing to help me with this error which is clearly their fault not mine. I have repeatedly contacted them on this issue and they keep giving me the run around. Now in their terms and conditions it clearly states zero liability on the customers behalf.This was all I had to live on from XXXX to XXXX. I have had to sell a my gold coins I've had forever just to be able to pay My bills. I've pleaded with them. I've been really nice on the phone. But they make me feel like I'm the one at fault. I trusted my money in their bank and because of their negligence and ignorance my money got stolen.i just want what's right. I shouldn't have had to sell my coins but they gave me no choice. I need your help. Please!
Consumer complaint received 2022-11-23
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. (CT)

This is a complaint against tXXXX XXXX  XXXX. I spoke with their employees, who introduced themselves other than a salesperson. They started their lies by saying we are making a good financial investment and even promised re-sale value would go up. Moreover, they told us that we would actually make money from this timeshare. They offered us gifts such as discounts in parks, savings on our vacations and bonuses if we sent people with promotional codes, and other enticing things which involves earning money on the promotions platform. They made us believe that things would be positively different but each time things got worse to the point that this even created a serious hardship for us. We felt pressured when we were told they needed some sort of approval in order to grant us the deal and that it was our last chance at the lowest price being offered. They never gave us copy of any application nor did they made us aware of all the fees involved. Everything felt rushed as they have never given us enough time to read through the contract. They never gave us a copy of the contract either. We were not properly informed how cancellation process works, we didn't even know how many days to cancel. We tried requesting to cancel after a month but they told us that we could not cancel anymore, that's the only time they informed us that we only have a few days to cancel after the day we spoke with them. We experienced financial problems, husband lost his job and with too much timeshare debt due to credit card payments. We had relationship stress due to this issus because it has damaged our financial credit to acquire loans for our house. It caused us lots of stress to the point that we even lose sleep because the financial situation is not good and we have to pay for this timeshare that we can't even use. The whole process was clearly rushed because it was very fast, like they did everything for us, without giving us enough time to think or read the contract. According to them, we were going to save too much with the timeshare and they did not explain that we could cancel nor did they explain the annual maintenance for life. This has just been very stressful for us, and we were simply defrauded. This is clearly unlawful deceptive sales tactics and misrepresentation, omission of facts, withholding information, exaggerations of timeshare use of product anytime etc.
Consumer complaint received 2017-01-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

We have a mortgage loan through USAA Federal Savings Bank. We need federal Form XXXX to prepare and file our XXXX tax returns. USAA has failed to timely prepare and post for their customers a complete Form XXXX. We were promised by USAA representatives that they would post complete Form XXXX on their website on XXXX XXXX, XXXX. However, as of XXXX XXXX, XXXX, USAA has not made a complete Form XXXX available to us.
Consumer complaint received 2022-11-23
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. (OH)

I am XXXX XXXX XXXX. I have never had a car or owned a car, I have never had a house or utilities under my name, I have never had a loan, or mortgage, or any type of credit card. The only bank Ive ever had was XXXX and I know I was negative there one time like {$400.00} thats it and I had one other bank which was XXXX and was negative but paid the negative balance then closed my account! I also never graduated high school so any loans in my name of any kind or trying to get a loan are false and incorrect. I lost my wallet more than three times in three years and Im sure someone has hacked my identity and I dont even know how to report it but recently Ive wanted to look at my credit and to see about how to improve it but I see all these inquiries on here and I have no idea where they are all coming from I 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 Please find out about helping me please and help get my identity back please
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

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 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account XXXX : DEPT OF ED/XXXX XXXX XXXX, XX/XX/XXXX Account name : DEPT OF ED/XXXX XXXX XXXXXXXX, XX/XX/XXXX Account name : DEPT OF ED/XXXX XXXX XXXXXXXX, XX/XX/XXXX Account name : DEPT OF ED/XXXX XXXX XXXXXXXX, XX/XX/XXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, XX/XX/XXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, XX/XX/XXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, XX/XX/XXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, XX/XX/XXXX Personal information incorrect XXXX XXXX XXXX ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Correct Name : XXXX XXXX XXXX XXXX Incorrect Address information 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On the week of XX/XX/XXXX I made a deposit consisting of money orders that were made to the order of myself. They were totaling XXXX dollars. The bank automatically assumed that it was fraudulent and freezes my account. They have not told me what is going on and consistently lie to me about the status of my checking account. They automatically made the assumption that I was cashing money orders fraudlently. They automatically thought I the person who the money was for was a scam because I talk to him online. The bank has froze my account due to the fact that I deposited these money orders in my account. They have not told me what is going on reguarding the status of the account and XXXX only told me that I would be implicated because of the money orders being deposited in my account. They have violated my rights to privacy and had automatic assumption that I was using the account for fraudulent purposes they told me they contacted the sender but will not state what she said. They show no interest in The identity of the person who I was going to send the money for nor do they have an interest in identifying him even though he was the person who instructed the sender to send me the money orders and gave the sender my information. The banks only interest is to implicate myself as a fraudulent person and not the actual receiver of the funds that I deposited in my account. The bank is not being transparent or honest about what is going on with my account. It seems the bank had closed my account even though customer support representatives state that their is only a hold the account. They have contacted the sender who is giving multiple reason for why the funds were sent to me. I had a person on my behalf contact the bank to clarify what the funds were for as I told the person that I talk too online to tell them what the funds were for as the funds were for him. The bank not interested about who the funds were for but seem to be seeking to close my account and implicate myself as a criminal for the fact that I was sent money orders that were ordered to be paid to myself with out the bank actually being honest about what the bank investigated and found out and was told about the funds in my account. They treated myself without any dignity have no reguard for my rights as a person as they do automatically assume that there is something wrong they also dont follow the law as I have had other problems with the banks practices reguarding my business with them. They should never automatically assume that Im depositing money orders for fraudulent purposes which I am not. The bank subjected myself to an unreasonable search and seized my money without being honest about what is going on reguarding my account.
Consumer complaint received 2022-11-23
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$560.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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
Consumer complaint received 2022-01-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (KS)

Here is my message to Coinbase ( COIN ) on my fraud/scam complaint : My Coinbase Cryptocurrency account ( COIN ) was hacked and used without authorization on XX/XX/XXXX and compromised my checking account registered through my account. The hacker made 20+ transactions/crypto-currency purchases through my checking account. Since then, I have locked my personal checking account with my banking institution, stopped two unauthorized large payments to Coinbase and eliminated my checking account since it was compromised. I have reached out to Coinbase phone customer support several times on the matter and now I am told that they must collect any outstanding payments from my account which in total is {$5200.00}. Before the hack on XX/XX/XXXX, my account balance was about {$420.00}. As of this writing, with my account locked, my new balance is at : {$3400.00}. With that said, I understand I should pay Coinbase back since it was from " dirty '' transactions by the hacker. But additional transactions where made tot total out at {$5200.00}, and according to Coinbase, with a difference of me owing {$1800.00} to them. 

With that said, I was the victim fraudulent activity and feel that I should not owe any more than was withdrawn from my personal checking account ( XXXX ) at the time to pay back in reversal to Coinbase. I would be glad to pay back what is owed in the amount of {$340000.00} - {$420.00} ( my last legitimate balance prior to unauthorized purchases ) = {$2900.00} in cryptocurrency I would pay back from my account to Coinbase. 

I was the victim of this account hack and now being penalized for an online criminal act was beyond my control. I now feel because of the distress and hardship I have been dealing with over the past few days of recovery, I am being victimized again by having to completely drain my Coinbase Account Balance in addition to {$1800.00} that I can not pay back. 

Therefore, I kindly ask that Coinbase credit me my original balance of {$420.00} ( balance before hack ) after auto-withdrawing and paying Coinbase back the approximate {$3000.00} difference in which I have no issues with.

If Coinbase can not come to a resolution in waiving the additional outstanding payback balance of around {$1800.00} + restore {$420.00} in account balance that Coinbase claims is owed by me, I may escalate the matter and seek legal action. 

Sincerely, XXXX XXXX x Coinbase is holding firm to their demand that I, as a victim of fraud, am solely responsible to pay-off all cryptocurrency transactions that were made by a hacker that was unauthorized by me.
Consumer complaint received 2022-11-23
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: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX JP MORGAN CHASE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX : XX/XX/XXXX Re : XXXX. JP MORGAN CHASE ACCOUNT # XXXX in the Amount of {$3900.00} XXXX. JP MORGAN CHASE ACCOUNT # XXXX in the Amount of {$3700.00} To Whom It May Concern This is about consumer credit transaction entered with JP Morgan Chase Bank dated about XX/XX/XXXX and I extended your organization the credit for the account number XXXX and XXXX. 

I hereby give your company JP Morgan Chase Bank notice pursuant to 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your company didnt even inform me about the cost of credit and the only evidence of the indebtedness was just a computer generated agreement. 

According to 15 USC 1602 ( k ), adequate notice means a printed notice to a card holder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above mention section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) A consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it is resulted in multiple billing errors, and unfair credit card practices. 

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term unauthorized use means a use of a credit card by person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the card holder receives no benefit. 
XXXX. Accounts deleted from All consumer credit reporting agencies XXXX. Monetary relief for recent denial of mortgage loan due to this billing error from JP Morgan Chase Bank. ( See attachments ) in Amount of {$10000.00} XXXX. Return all monies ever paid on these accounts. 
XXXX. JP MORGAN CHASE ACCOUNT # XXXX in the Amount of {$3900.00} HAS REAPPEARED ON XXXX PLEASE DELETE FROM ALL CREDIT REPORTING AGENCIES. 
XXXX. My credit score has plummeted XXXX points and this is a classic case of DEFAMATION OF CHARACTER. 


If you accept my request, I will not escalate this matter to federal court. In case, you dont accept the above request, a legal action shall be taken against your company for Compensatory damages. 



Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

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 the charge. I ask that 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 2022-11-23
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. (TX)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-23
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2020-04-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (SC)

I never received any notification from Midwest Recovery Systems that I had an outstanding debt. I was notified by XXXX XXXX that a new account had been added to my XXXX  credit report. 
I proceeded to contact the medical facility that was listed on XXXX XXXX 's site as the original creditor and they have no account for me on file. They also mentioned that they do not use Midwest Recovery Systems as debt collectors and that they use two other companies instead.