davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (IN)

THIS IS XXXX XXXX!!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY doing anything for me. I'm my own natural person so please don't play those stall tactic games. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As a consumer these accounts on this letter must be deleted immediately, and by that I mean ASAP or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, Better business bureau, and federal trade commission. I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. I want you to XXXX out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140. I also want compensation in the amount of {$1000.00} per violation for all the damages that I received to 15 USC 1681n .I did not consent to, authorize nor benefit from any of the following accounts. Block and remove them. FAST! 15 USC 1681n defines Civil liability for willful noncompliance 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 or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Consumer complaint received 2021-04-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC ()

They won't let me In my account but someone has been able to make fraudulent charges and pick them up with their I'd and meanwhile 6 days later they continue to send excessive and unsecure request of my I'd and failing to unlock my account in a timely way letting fraudsters get away with several transactions. I have called daily 4 5 times and submitted their codes at least thought 12 layers of authorization. Plus pics of docs and still they want more.
Consumer complaint received 2021-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

The following information is supported by the .zip file of the XXXX chat along with screenshots. I was the victim of a cryptocurrency scam that happened on XX/XX/XXXX, several days before XXXX XXXX. The scam began on XX/XX/XXXX, when I matched on the XXXX XXXX XXXX. In the early conversations, I felt pressured to talk on XXXX instead of the XXXX site. We began talking on XXXX for a week and I shared that I was going to be out that weekend for a wedding. We talked about meeting up after the wedding. During that time, my match began sharing some photos like selfie photos and cryptocurrency " deals. '' I was curious but not too interested. The match said that she'll teach me about cryptocurrency. We tried using crypt.com to purchase cryptocurrencies but luckily XXXX does not allow cryptocurrency purchases with debit cards. Instead, we went onto the coinbase app to do a wire transfer from XXXX bank to XXXXoinbase which uses the XXXX XXXX Bank. The following is the information to which the wire transfer was sent on XX/XX/XXXX : Account number from which the wire transfer was sent : XXXX Name on the account : Coinbase Inc Date : XX/XX/XXXX Wire Amount : {$5000.00} TRN : XXXX The match and I did some XXXX foreign exchange using a fake company XXXX hosted on an open-source web server on the evening of XX/XX/XXXX. Next, the match showed me how to cash out and asked me to put in more money by suggesting ideas such as pulling loans or whatnot. I was firm with my stance that $ 5k is what I am comfortable with. After this conversation, we wished goodnight and the match went offline. This was when I realized that I was scammed out of $ 5k. I looked at the XXXX website again and realized that the website was fake. 

At XXXX, XX/XX/XXXX, I immediately froze all my credit scores and sent a secure message to XXXX XXXX recalling the wire transfer because I was scammed and the wire transfer was pending. XXXX tried to recall the money from XXXX XXXX Bank. The wire transaction/reference number : XXXX The following reply from XXXX is as follows XXXX XXXX was opened on XX/XX/XXXX. 
We received ad fed service message from XXXX XXXX Bank stating " DEBIT AUTHORITY DENIED BY CREDITING PARTY AS FUNDS CAN NOT BE RECOVERED FOR RETURN. ACCOUNT BLOCKED FOR FRAUDULENT ACTIVITY. THIS CASE IS NOW CLOSED. '' As your other option, please consult law enforcement and try to settle the matter directly with the beneficiary. 

What I don't understand is why I was denied because obviously, I was a victim of a scam/fraud. I have the XXXX chat saved which I forwarded to XXXX, contacted Hinge about this account, reported to the FTC, and sent a scam complaint to the FBI. I want to use CFPB to start a complaint about XXXX XXXX Bank and get clarity if the $ 5k wire transfer can be recovered. I will also send an email to Coinbase Inc as well to see if a resolution can be arrived. This scam was a week-long process that happened on Tuesday, XX/XX/XXXX.
Consumer complaint received 2022-01-05
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. (NV)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2017-06-02
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fay Servicing, LLC (IL)

Fay Servicing llc tr ying to collect a debt they took over the property the attorneys  XXXX    XXXX    XXXX  ordered to foreclosure the property on  XXXX   XXXX   XXXX    XXXX   at  XXXX   XXXX  knowing tnere is an active a bankruptcy protection.
Consumer complaint received 2018-01-29
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: I.C. System, Inc. (LA)

I have collection account that are still showing on my XXXX report that have been deleted from other reporting bureaus. These accounts were deleted by using a third party agency and XXXX has yet to delete account from my credit reports. The 4 accounts could not be verified or validated. I would like XXXX to do as the other bureaus have and update my Credit report to reflect NO collection accounts. One account ( IC systems in the amount of XXXX ) on consumer report exceeded the 30 day to validate debt by accordance to FRCA requirements and is in violation but has failed to delete account. I am also submitting a complaint to the XXXX against XXXX and IC Systems for violation of FCRA.
Consumer complaint received 2023-03-01
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX has violated my rights XXXX BANK XXXX has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights In additions listed on my credit report are inquiries that I didn't authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX fXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2017-04-25
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: Experian Information Solutions Inc. (CA)

Yesterday I received in the  U.S. mai l a copy of my " Experian '' credit report. On " Page  XXXX  of  XXXX  '' under the " Record of Requests For Your Credit History '' is incorrectly states that "  XXXX   XXXX  '' had unlawfully requested my credit history on "  XXXX   XXXX .   XXXX  . '' I have NOT applied for " credit '' of any kind in over  36 co nsecutive months. I am the Victim of Identity Theft.
Consumer complaint received 2018-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BARCLAYS BANK DELAWARE (TX)

Recently on XX/XX/2018, I spoke with a representative from XXXX XXXX XXXX, I'm coming close to 2 years with them and their financial department is very unhelpful. My payments were roughly $ 31 monthly, I have been late 2 or 3 times due to financial hardships and I do understand that payments go up for late payments, now up to date my payments with XXXX are now roughly {$80.00}. I spoke with the representative and asked if they can assist me to help me keep my payments at least in the $ XXXX- {$50.00}, but the rep was very unprofessional and explained the process if payments are late and the APR goes up, she basically told me " I don't know what you want me to do '' even when I asked if I can keep my payments at a payment that I can afford. Long story short I told her I can't afford these payments and if you are willing not to help me to keep my payments at an affordable rate to send my balance to a collections agency, all she said was " okay that's fine, best of luck to you ''. Not only am I receiving a high payment, but very horrible and unprofessional customer service from XXXX. Please be aware for anyone who is considering getting XXXX XXXX XXXX.
Consumer complaint received 2017-04-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Continental Services Group, Inc. d/b/a ConServe (CT)

The collection com pany Conserv curre ntly h olds my Federal Student Loan.  I spoke with a representative from the company on Friday  XXXX   XXXX  to make arrangements to set up a monthly payment option. I am currently attempting to rectify the default status and the tax offset of the loan. I was misinformed by a representative that a repayment option would assist in helping get my loan out  of Tax Offset. It w as explained t hat a Title 4 payer is eligible to have the Tax Offset status removed after 6 consecutive on time monthly payments. After I agreed to setup a monthly payment, I then asked the question about the Tax offset to confirm our original conversation. The representative was not forthcoming in explaining that the Tax offset is only eligible for Title 4 payers which I had to ask to explain what a Title 4 payer is which I am not   eligible for. I was misled into a monthly payment arrangement that would have only given  Conserv my money without any solution to my inquiry of removing the Tax Offset and Default Status. I am looking for a solution to take the loan out of Default Status and remove the Tax Offset. I 've had several phone calls regarding my   requests with no resolutions.
Consumer complaint received 2017-11-16
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (OH)

Ally financial is reporting on all 3 of my credit reports. XXXX, XXXX, and XXXX all incorrectly. Balances of {$9500.00}. I have contacted this place on several different occasions and I have no progress in over a year. Just more bad comments to my credit reports. I have tried emailing the CEO of the company on more than one occasion, No responses on the date of X/X/17 and X/X/17. have sent disputes through all three credit bureaus and the better business bureau as well. Dates including X/X/17. X/XX/17 and XX/XX/17. I have one report showing my balance is paid in full, I have another report showing i only paid only a % of it. All reports show this account was closed over a year ago. No balances are correct. I have had no contact with this place, they have not contacted me, no letters, no calls, no correspondence. How is a closed account reporting negative payments? Is this even legal?? I got no notification of this action. I would like to demand proof of this debt, specifically the " alleged '' contract or other instruments bearing my signature and identification as well as proof as well as your proof of authority to collect and report this matter. Please evidence your authorization under 15 USC 1692 and 15 USC ( f ) in this alleged matter. Please provide a complete account history, including any and all charges added for collection activity.
Consumer complaint received 2018-01-28
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. (FL)

i have been disputing an alleged account from XXXX  XXXX .it was in litigation in XXXX XXXX florida .the judge said i won the case the attorney for XXXX XXXX is XXXX XXXX he is still reporting this i can not talk to XXXX   XXXX because it directly sends me to this attorney they are reporting it every month in a unethical manner to drive my score down. which i believe violates the f.d.c.p.a. an the f.c.c.p.a.and all three credit agencies refuse to take it off my report, Evan sending them documents to prove i wasnt lying ... the numerous disputes has gotten me no wear but time added on to this account.XXXX XXXX owes me XXXX dollars.that his law firm has refused to pay.the law offices of XXXX XXXX XXXX out of XXXX  florida. i just want it removed from my credit report.
Consumer complaint received 2018-01-28
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: SUNTRUST BANKS, INC. (AL)

Me and my twin brother ssn are almost alike, but off by one number, I finance my car threw XXXX XXXX monthly for XXXX since XXXX XXXX, 2017. I went to trade in my car viewing my credit report from the dealership what accounts appeared on my credit report was by the name of Suntrust and XXXX XXXX. I didnt not open the accounts my twin brother is affiliated with them. It is affecting me.
Consumer complaint received 2018-01-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (PA)

I am having issues with citi bank on my sears card and XXXX XXXX XXXX  there is fraud on my accounts and they keep calling to harass me over and over they call over 10 times a day and think it is okay. They refuse to listen and ignore any letters and faxes sent by us. They threaten to charge the debt off and put it on our taxes when over 99 % of the amounts were fraud and they sent us papers and we told them to stop calling and they refuse to. I am sick and tired of this because they are clearly breaking laws and they think it is okay. We want them to work with us and apologize for things and send us a written letter about things and such. They only call and refuse to send us anything in writing about the debt only when we request it they keep finding it to be a real debt when it is not just because the card was used the chip. Anyone can clone it and it is really not that hard like they think. Plus we had issues with another person under by name as well. I am very mad about this and they are breaking multiple laws and I want compensated for the laws they are breaking we are getting a lawyer because of the fake things they say are true.
Consumer complaint received 2018-01-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (CA)

1. 30/60 days past due, negative credit report, I never received phone calls with a live representative or automated message, Last name was spelled XXXX ( incorrect spelling ), Barclays Bank Delaware 2. 30/60 days past due, negative credit report, my children misplaced the mail/ I never received any follow-up from the company to collect payment, XXXX XXXX credit card 3. 30/60/90 days past due, negative credit report, Not my account/ name is incorrect XXXX XXXX XXXX is not me/ I never received any follow-up calls, XXXX XXXX 4. 30/60/90/120 days past due, negative credit report, I requested the company to close this account and assistance to create a payment plan, but received no follow-up, I eventually paid it in full due to no response, XXXX XXXX XXXX 5 . 30 days past due, negative credit report, my wife is in charge of this account, not me/ I asked the company to change the contact info, but they never did, XXXX XXXX 6 . 30 days past due, negative credit report, This is my wife 's vehicle in which she wrote a check and sent it in prior to the major holidays. After receiving the notice of this late payment, we called XXXX and explained what we did. The representative stated they received the check, but did not deposit it till after the holidays and said they would not report this as a late payment-it still reflects it on my credit report, XXXX XXXX XXXX 7. 30/ 60 days past due, negative credit report, My wife was responsible for this account, the vehicle was a gift. My wife became delinquent due to XXXX XXXX around that time frame. This was brought to the attention of the creditor, but we never received a follow-up solution, XXXX XXXX XXXX 8. 30 days past due, negative credit report, I have never been late on this account/ support. I made the mentioned payment on a Friday late afternoon in which that following Monday was a holiday. I called the representative and explained this matter. She agreed that it was a mistake and provided advise on payment delivery. The representative stated this would not affect my credit, but it reflects on my report, XXXX XXXX County D.A. 

9. 30 days past due, negative credit report, Old account that I disputed with the company years ago. The representative stated they would remove this from my credit report, but it is still there. XXXX XXXX XXXX 10. 30 days past due, negative credit report, Not my account, I am not familiar with this company. XXXX XXXX XXXX
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I first filed a dispute with XXXX regarding 2 bankruptcies reporting inaccurate information. It came back verified. Which is not true it is stating I filed in XXXX, NC and XXXX, NC which is incorrect as well as the date filed and dismissed. It also states that there is {$0.00} liability and {$0.00} claim which is also a reason it should not be listed on report. I also attached with the new law that passed XX/XX/XXXX that they are also not complying with. I will like both bankruptcies removed from my credit file asap due to inaccurate information. Thank you
Consumer complaint received 2018-12-04
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: EQUIFAX, INC. (GA)

I was a victim of identity theft. I have reached out to all three bureaus and informed them of this numerous times. I have sent letters to them every month starting XX/XX/XXXX of this year and as recent as XX/XX/XXXX. I never receive a response. All of my communications are sent via priority mail.
Consumer complaint received 2017-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

As the result of a family emergency, I requested that  Fay Servicing  halt my ACH mortgage paymnent for  XXXX  on  XX/XX/XXXX . The payment was scheduled to come out my account, as usual, on  XX/XX/XXXX . I was told on  XX/XX/XXXX  that the ACH would be halted and would resume as normal in  XXXX . I told the account agent that I would make the payment prior to the end of  XXXX , that I had to move some money around and that I needed a couple of weeks to do that. On  XX/XX/XXXX , the payment was debited from my account. In reliance on  Fay 's a ssurance that the payment was paused, there was insufficient funds in my account to cover the mortgage and my other obligations. I ha ve called Fay every  day since the  XX/XX/XXXX , sometimes twice a day, in effort to get them to make this right. In addition, I have emailed someo ne at Fay every day for the last four days to explain this problem and have included pdf attachments showing the NSF fees for that d ay. In the meanwhile, my account has been charged at least {$260.00} in NSF fees so far. Everyone I speak to promises to call be back, but over the course of  four days, I received one call back, with no resolution and no one at Fay seems to be able to figure out how to resolve this issue.
Consumer complaint received 2017-10-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

after a floding situation and wind damage in the area I end up set back in my payments, and I want to resumen my payments and the Bank refuse to take it probably to inflate amount. please monitor it. and help. the full amount is {$1400.00} total.