davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (IL)

I applied for a card through Chase that was co-branded through XXXX for a specificpromotion. I was not given my miles as the promotion indicated because I was misled by Chase 's promotion. 

The promotion stated, spend {$3000.00} in the first 3 months, I would receive XXXX miles. Then, if I spend an additional {$3000.00} in the next 3 months, I would receive an additional XXXX miles. This did not happen, so I called. 

The first time I called, in XXXX I believe, I was informed the miles would be placed in my account, but it would take time. I accepted that answer and I waited. Nothing happened. 

Then I called today, XXXX. I was informed I will not be receiving my miles because I had apparently signed up for a completely different promotion. This is not true. I was very deliberate when submitting this application.I was told I applied for a different promotion and was provided the XXXX miles and a {$250.00} credit from that promotion so they were unable to rectify the issue. They misled me. this is NOT the promotion that was advertised and I am very upset about it. They were wrong.Be aware of Chase and XXXX XXXX.
Consumer complaint received 2021-08-22
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. (MO)

I have been in constant contact with Equifax to remove unauthorized inquiries since XX/XX/ and my last letter is going out certified return receipt on Monday XXXX XXXX XXXX I have sent out twenty-six ( 26 ) letters and everytime I get the same result : " Inquiries are a factual record of a file 's access and will remain on the Equifax credit file for two years since the reported date of the inquiry ''. This is not acceptable and why can other bureaus delete these inquiries but Equifax can't or won't? I am trying to get a refinance loan but I was turned down due to excessive inquiries so I am still trying to remove those that I don't recognize or are unauthorized. Any and all help you provide is greatly apprreciated. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Securus J Holdings, LLC (CA)

There is a service called JPAY for sending commissary money and messages to XXXX. They charge {$9.00} for each money transfer by credit card. They also charge a fee to send an email to a XXXX. These exorbitant fees are just plain greedy exploitation of XXXX  's families.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX - XXXX - is reporting an erroneous account on my credit and showing a balance. I have disputed this several times with the bureaus and they claim it is valid and it OBVIOUSLY IS NOT! 
This debt was paid prior to even going to XXXX XXXX XXXX and it was sent to collection in error. Now they keep reporting and updating a BALANCE on my credit file even though their own note on the accounts shows SETTLED FOR LESS!!! 
So how can this be valid? it is a clear and obvious violation and it has just affected my financing. I lost a house because of this so I have notified my attorney to pursue legal action unless this is removed immediately.
Consumer complaint received 2019-10-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

On XXXX XXXX I sent money to someone via Paypal that I found through a public forum group who posted that they have extra, legitimate tickets to an event. He proceeded to tell me they were legitimate and for me to send the money via " Friends '' option through Paypal for his " easy confirmation. '' A day later I still do not receive the ticket and realize he'd ask for a " Friends '' money transfer so that I will not be able to dispute this transaction as fraud or suspicious activity. I have record of our conversation on XXXX where his profile name is different from the Paypal name and evidence of him scamming me. People like this shouldn't be allowed to use Paypal. I contacted Paypal about it and I have no reply or even acknowledgement of the situation. I've only lost {$30.00} but my issue is that people like this are avid users of Paypal and are getting away with fraudulent activity. I have record of people posting on the same public forum that he has been posting to event groups about " legitimate tickets '' for a while. How can Paypal let this slide and keep him on their platform to continue scamming people? It's despicable. Turns out he clearly made this XXXX just to scam people, as I went back to screenshot our convo and he's deleted the account so that his replies don't show up. You can tell however, from the contents of my replies what the conversation was about. I even have a picture of the time of receipt/confirmation of payment via Paypal that I sent to him as proof of my " purchase. '' I proceed to ask him when he'll send my ticket and he fails to respond.
Consumer complaint received 2022-07-28
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: EQUIFAX, INC. (KY)

I look at a copy of my credit report and seen a few inquiries I'm unaware of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Consumer complaint received 2020-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TN)

In XXXX I had an XXXX  door to door person offer a package deal for wireless and internet that I opted for. In this 'deal ' I got the newest XXXX. All I had to pay that day was 'tax on the XXXX ' I'd be getting, which was {$100.00}. I returned the phone in plenty of time not to pay any fees, didn't get any better service than I had with my XXXX with another cellular company. I returned the phone to the XXXX  store, got a receipt, but XXXX  still said the phone can't be found. Finally they FOUND it after a few months but still had not returned my TAX on the purchase! I was due the {$100.00} back, but instead they ignored helping me and I had to dispute this charge on my Visa. They tried to get XXXX and didn't get a response so I got my taxes on purchase refunded. Since then, I was billed over and over for it?? I called explaining this mulitple times, no one thought it was any big deal, did not help and finally it was turned over to XXXX XXXX XXXX out of NY, who hounded me with call after call for months and months but my phone blocks spam calling at this point. Now it has been changed to a new collection agency as of XX/XX/XXXX ENHANCED RECOVERY COLLECTIONS out of XXXX, FL. The process to dispute starts all over again, with what was MY money in the first place and my Visa investigated this and gave me the money back.. and yet I deal with this continuously for nearing 2 years now. I was advised by my identity theft protection company that monitors all my credit to write a complain to CFPB.
Consumer complaint received 2020-05-12
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. (TX)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-05-12
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Consumer complaint received 2022-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (WA)

We vacated an apartment in XXXX, XXXX and were not in arrears of rent payments. I spoke with XXXX XXXX, property XXXX for XXXX on XXXX, on or about XX/XX/XXXX and was told the walk through was complete and that the unit actually looked better than when we had moved in. She also stated our account was paid in full and we would receive a full refund of our deposits. I also provided her with our forwarding address. Our phone numbers remain unchanged. We received and deposited the refund check dated XX/XX/XXXX into our account on XX/XX/XXXX. A copy is attached. At no time were we told of any amount unpaid nor given the opportunity to dispute said charges until we were sent to collections.
Consumer complaint received 2020-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (TX)

i pulled my credit on XXXX XXXX and to my surprise the collection item from CMRE Financial services has listed a collection for XXXX XXXXXXXX XXXX. for {$330.00}. I have no ideal what this is for and when i call they say they can not find any record of this under my name, social security # or date of birth. But said i had to figure it out because they can not remove or correct even tho they have it posted on my credit report ( s ) ... ..
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have an auto loan from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2020-05-12
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. (TX)

Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX ftc violations attached The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. W
Consumer complaint received 2022-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (FL)

Coinbase XXXX Debited my account for large sums of money with my permission and on multiple occasions they told me they didn't receive it and can't find it. 

They deducted the balance from my bank account, they deducted the amount of money in my Coinbase and restricted my account so I can not properly move what is left. 

I have them full details on transaction ID numbers, dates etc. and they told me in writing they can not find and will not restore or resolve this issue, they instead told me they would escalate the matter to a department I could not reach by phone and gave me no timeline on resolution. 

I spoke with my banking institution and they told me they had to wait to dispute it because they could not believe an institution like Coinbase could lose money like that at as it is all tracked and very clear. 

Coinbase 's accounting is also an absolute nightmare, they couldn't tell me how much money I intended to put onto their platform or how much settled on their platform. 

I have never encountered such an issue, I was unsuspecting as they are very large, in the USA and publicly traded. Their customer service is outsourced, very confusing and they do not have the proper accounting to resolve issues even if they did. 

I paid for an insurance policy through Coinbase for my account. 

I attached documentation and can provide more upon request.
Consumer complaint received 2022-07-28
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. (FL)

I accordance with the Fair Credit Reporting act XXXX the following Account numbers have violated my rights : XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX U.S. Department of Education - Account # XXXX DEPT OF ED / XXXX - Account # 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 an account without my written instructions.
Consumer complaint received 2022-07-28
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. (NC)

In a accordance with the fair credit reporting act XXXX  account # s has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX # XXXX XXXX XXXX XXXX XXXX {$190000.00}
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (IL)

I had a car loan with Santander and the car was repossessed in XXXX of 2015. I have requested several times to the company to have the original loan information along with all supporting documentation as far as what the car sold for and other information for my use to verify and resolve the debt but the company has not responded to any requests for the information. The information also keeps updating on my credit report to show that every month the payment was missed and is late which is negatively impacting my credit score. The company or credit bureaus have not responded to my requests to prove how the account was verified or sending the original documentation that I requested. I have been trying to get this matter resolved but Santander is not supplying the information to me irregardless of me mailing them several requests and it is unfair that they are able to update my credit report with late payments but not send me the information that I am requesting.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have previously filed a XXXX  complaint against XXXX and Equifax because of unfair practices. They have repeatedly decreased my score by 50 or more points when I am PAYING MY DEBT OFF. They continue to blame algorithms, but obviously these are incorrect. It makes absolutely no sense that a person should be punished for trying to eliminate their debt. They claim to give so many tips and tools that consumers can pay for to help improve their scores but when you follow these tips it backfires. My most recent change as of XX/XX/XXXX was decreasing the amount on a credit card by {$370.00} bringing my utilization from 98 % to 56 % and as a result XXXX decreased my credit score by XXXX points. Equifax takes a few days longer to update but they are typically in sync with one another on changes and results. This pattern of punishment for payments has been taking place all of XXXX and beyond. There are several other instances of similar actions. 

I believe I am being discriminated against by these credit bureaus due to the diligence I pay to my report and my unwavering stance towards ensuring all information on my report is accurate. Additionally, I do not believe my previous complaints were sufficiently investigated to determine a root cause. I believe a side by side comparison of someone of the opposite race with fairly similar credit patterns would show a significant difference if score calculation. Furthermore, I believe there are different algorithms assigned to different demographics or groups of people. As I informed them previously, if their CEO had the exact same change to his credit as I most recently had, his score would sure have not decreased.
Consumer complaint received 2019-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Mr. Cooper fails to keep and provide accurate records. My XXXX statement ( attached ) shows payments for the month ( XXXX ) of {$55000.00} and interest of {$12000.00}. Payments were actually {$1500.00} and the interest is actually close to {$300.00}. On the statement there are 80 incomprehensible transactions for 2 payments.
Consumer complaint received 2020-05-12
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. (TX)

Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX ftc violations attached The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. W
Consumer complaint received 2022-07-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-12
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: EQUIFAX, INC. (VA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Collection : XXXX XXXX XXXX XXXXXXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnished a account with out my written instructions.
Consumer complaint received 2022-05-03
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. (WA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.