davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

As of Late I seem to have a problem with all three Bureaus ( XXXX, XXXX, and Experian ) I contacted them all numerous of times on the inaccurate information being reported on my credit profile and the information still remains. I wanted to know what was the status on removal of the collection debt ( The XXXX XXXX Account : XXXX # # # # ) This account has inaccurate information across the board from the ( Opening date, Closing date, Last reported date, Name, and address ). This is in violation of 15 U.S.Code 1681i Procedure in case of disputed accuracy all information reported on any credit report should have 100 % accuracy when furnishing data. Also there are XXXX inquiries that are supposed to be removed as well however they are still on XXXX and is not on XXXX or Experian. The Inquiry Accounts were XXXX  XXXX : Report Number ( XXXX ), XXXX Report number ( XXXX ), and XXXX XXXX  XXXX Report number ( XXXX ). With that being said this is also a violation of his is in violation of 15 U.S.Code 1681b. This is causing detrimental harm to my credit report, life, living circumstances and according to FDCA 15 U.S. Code 1692k - Civil liability in the case of any action by an individual damage sustain by such person should receive not less than {$1000.00} and no more than {$500000.00} per violation. For my consumer rights being violated I will accept {$2500.00} per violation as compensation for my pain and suffering.
Consumer complaint received 2023-01-19
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NY)

I received money from purchases people made to my PayPal account for freelance development services I offer and due to an increase in sales PayPal has permanently limited my services and restricted me from accessing my money for 120+ days. 

XX/XX/year> : Account needed more information XX/XX/year> : Provided more information for account XX/XX/year> : Permanent restriction was given XX/XX/year> : Called PayPal to inquire about appeal and information regarding restriction and were told it was impossible to undo At this time there was {$420.00} in the account permanently restricted and unable to touch the funds until they were all confirmed XX/XX/year> : Limited funds were made available to the account balance still unable to be withdrawn XX/XX/year> : Received new email saying that all features were deactivated ( all features have been deactivated since XX/XX/year> ) XX/XX/year> : Called PayPal under threat of legal assistance to have my account closed and my funds withdrawn and transferred to a new appeal process where they stated due to my previous appeal being denied my current one most likely will as well, instructed to wait an additional 5 business days for a response but no real action has been taken nor have they made any attempt at fixing it. 

I have {$420.00} locked in an account for my freelance development work that I need in order to pay bills but I have been given an arbitrary wait time to receive my funds and they are being unjustly locked behind a system built to confuse and anger you so that you wait.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2024-10-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (TX)

On XX/XX/XXXX, I tried logging into my Crypto.com account after being forcibly logged out of my account by the system. The phone number it asked me to verify was an old number that I originally used when I opened the account so it was an Italian number. So since I was unable to receive the code to the old number, i tried to change my phone number on the account in order to access it. It asked me to verify my identity with a government ID as well as a face scan, which I did several times but each time I did, it did not work. So I contacted customer service and they told me to do it again in the chat with them and I did but the chat crashed so I opened a new chat and got a different associate and explained my situation to them. They told me I couldnt change my number due to a jurisdiction issue because I was in XXXX originally and now I am in the XXXX so it was apparently XXXX different companies? I asked for clarification and they didnt clarify but they told me to create a new account and I could transfer my balance from my existing account into the new account so I tried to do that and it would not let me create a new account even though I uploaded valid government documents. It said it was associated with another account so it restricted me from making a new account and I tried to go back into the chat with the associate that told me to do that but he already closed the chat. So I opened a chat with a new person and explained everything again and they told me to just send them my documents to verify I am the account owner so I went them my drivers license and my most recent utility bill and they said they would reach out to me in a moment after reviewing it and they never responded after that. Tried a couple more times to reach someone through different avenues and they refused to do anything at all. My account that I was trying to get back into has about XXXX dollars sitting in it that I am not able to access due to a very poorly ran company thats essentially scamming people because apparently this has happened to many people before. Im considering lawyering up to solve this ridiculous issue.
Consumer complaint received 2024-10-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Arbor Professional Solutions, Inc. (AK)

I lived in XXXX  last year. I had to visit the hospital a couple of times due to some severe XXXX. 

I do not know why Arbor Professional Solutions is trying to [ double ] bill me. I know there is no reason why I would still be liable for a medical bill in XXXX. Nevertheless, Arbor Professional Solutions has left two derogatory remarks on my credit scoreone on XXXX XXXX, XXXX  ; the other on XXXX XXXX, XXXX. 

I had - and still have - XXXX XXXX medical insurance that would cover the cost of emergency trips to the ER. They never attempted to bill this insurance. At one point I was LIED to : I was told that an attempt was made to bill my insurance, but was turned down. I contacted XXXX  XXXX, who confirmed they were NEVER contacted regarding these medical charges.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CT)

As of today, Wells Fargo Bank is closing an account that I was to keep. It is a XXXX credit card that i was told XXXX times to keep, as per my previous complaint but in an attempt to retify the situation, I was again left in disbelief as to what they have asked of me. I noticed that when I sent records, the account was unfrozen on XX/XX/XXXX but then was frozen again on XX/XX/XXXX. This is a problem but the bigger issueis that I have received XXXX different letters, XXXX dated XX/XX/XXXX saying to have the paperwork sent in by XX/XX/XXXX and also received a different letter from the person who is working on my complaint, ( XXXX XXXX XXXX saying they needed until XX/XX/XXXX. That is a XXXX day and crucial difference! I called XXXX XXXX about these XXXX different dates only to hear that XXXX department has nothing to do with the other despite the addresses on the letters being the same, this is still the XXXX XXXX Credit Card Department but they act as XXXX different entities?! This make XXXX sense. He advised me to call a different number XXXX, which I did and got NOWHERE with this person... who tried to defend this until I mentioned to that I tried to close this account when the balance was lower back when I closed the business! What they are trying to do to me today ( from XXXX YEARS ago ) will destroy my credit and also, this is a nefarious act yet again by the bank to put their customers in worst positions possible. Closing my account with this XXXX day differential will also hit my credit report, leaving an unjustified balance and drop my score ; I will have to fight that as well!! These conflicting letters shows how far they will go to discriminate and deceive small businesses as well as tactics to destroy the credibility of their customers. I am submitting these XXXX confusing letters and ask that they be contacted with yet another way of scamming their way through the banking systems! I have also made notes on the letters as to who I spoke with and when. I have offered to have the card made into a personal one and transfer he balance and continue to make the payments ( as I have been since the day I have received the card and I have NEVER missed a payment ). I also have gone so far as to look at their social media and this is something they have been doing to many, many people and it seems we all have the same things in common. This is not about the card and thier poorly trained employees. Furthermore, I have spoken to XXXX different people and no one has been consistent or remotely knows what to do.
Consumer complaint received 2023-04-05
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau 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 this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request the Credit Reporting Agencies that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$22.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-06-17
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. (TN)

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANSUNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERES ALSO ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX 4. XXXX XXXX 5. XX/XX/XXXX XXXX. OF XX/XX/XXXX XXXX 6. XXXX BANK, XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Consumer complaint received 2022-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (CA)

I was sued by ABSOLUTE RESOLUTIONS INVESTMENTS LLC. We went to trial on XXXX  XXXX, XXXX and the case was dismissed with prejudice. There is a judgment entered. However, this company is still reporting it to my credit as negative for the past year.
Consumer complaint received 2022-12-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Marine One Acceptance Corporation (GA)

Excessive calls and e-mails, even when you have spoken with Marine One and they have notated the account. They threaten to repossess if you dont pay in full after youve already made an arrangement. 

They are not applying overpayments to the principal of the loan when weve requested numerous times to apply over payment to the principal. 

They are taking on fees to decline card transactions, even if we pay with the same card on the same day because our bank flags this companys processing as fraud. So we have to verify the transaction and reprocess. 

The harassing phone calls and people showing up at my house when my account is only XXXX or even 30 days late. As soon as you are one day they are blowing up emails and phones threatening to recall the loan. They will send your account back and forth between your account representative and recovery and they dont communicate with one another. 

Loan documents state as long as the payment is made within the month you are not considered past due but they will blow up your phone the first day you are out of your due date and it doesnt matter if you have spoken with them they will continue to call and email every day until you process a payment. 

They lie and tell you one thing and then do another within just a couple hours. 

Ive never dealt with such an unorganized company in my life. Not apply payments and the relentless phone calls is outrageous!
Consumer complaint received 2022-12-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (GA)

I requested to receive the XXXX XXXX for my mortgage arrears due to my family experiencing a financial hardship due to family members being laid off due to the XXXX XXXX. I requested for an extension of the CARES Act Mortgage relief and was told that I had to pay at least {$10000.00} to bring my mortgage out of the pre foreclosure process.
Consumer complaint received 2022-12-06
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. (MI)

I have spent feverishly hours with Experian, XXXX and XXXX to help clear up the abuse and fraud on my credit report. After many days and hours and exhaustion, I am requesting help from you! 

As a veteran of the Country and all sacrifice, I have given, I have never seen something so miss treated in my life. Because of COVID and a bad year and doing everything right, all three credit bureau and the Crediter can not get on the same page and clear all the information as requested under 15 USC168b permissible person I never was contacted by anyone?
Consumer complaint received 2022-12-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Commencing on or around XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX XXXX  from my Coinbase account to these fraudulent investment companies. 
Coinbases Position : Coinbase wrote in a letter Coinbase has no relationship with the third-party whom you state owns the blockchain address to which your XXXX was sent when you authorized your sends. Given the nature of XXXX  and XXXX  transactions, Coinbase makes it clear to its customers that they must take full responsibility for all XXXX  transactions that they instruct and authorize Coinbase to make on their behalf. 
I also contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but they also didn't help me Please help me I lost my life savings and need your help to get my money back I was affected financially and emotionally due to this dilemma and currently in a bad situation
Consumer complaint received 2022-12-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (FL)

I financed a puppy through a company called XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I paid {$2200.00} in cash and financed {$1000.00} through a company called XXXX, at the location. I was approved for {$1000.00} which I used to purchase the puppy. I was not given any paperwork or explanation on the loan process. Five payments later the company tells me I have been paying off the interest and not the loan. Therefore I still have 7 payments left. The store failed to explain the contract of the loan. I would not have taken it out had I known I would not have it paid off in 5 payments, like I originally thought. I felt like he didnt tell me the terms of the contract purposely.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AR)

On XXXX XXXX I used my chime debit card at XXXX XXXXXXXX XXXX  to withdraw {$600.00} from the ATM. A message came on the ATM screen that read money can not be dispensed at this time. The machine returned my debit card back to me with a non-dispense of funds and no receipt. I checked my checking account and {$600.00} was deducted from my account. I immediately called Chime support and they informed me they would submit a dispute on my behalf and I would receive a temporary credit until the matter was settled. I received a email from chime support that my claim was denied. I requested documents from Chime explaining the reason my dispute was denied, I NEVER received them even after numerous calls. I then got in touch with the merchant who informed me a refund was placed back to my bank holder, which I told them I never received and my bank is denying my dispute. The merchant then provided me documentation stating what happened with the non dispense and when the money was returned to my account. I did forward those documents to Chime support in a email that they still denied after I provided documents. Ive called chime support several times with no resolution or funds credited to my account. When calling chime support they have no ideas why my dispute is being denied after giving information from the merchant and informed me to resubmit them.
Consumer complaint received 2022-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

I have been paying my mortgage payments every month. I am with Freedom Mortgage. My XX/XX/XXXX Mortgage statement states I have {$7400.00} in my escrow balance. I have not had a negative escrow balances in my monthly statements. XX/XX/XXXX statement says im Negative {$12000.00} and will be charged extra {$2000.00} a month for the rest of the year. That doesnt seem legal. Please offer some guidance as to what my next steps should be.
Consumer complaint received 2022-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (AL)

Rocket Mortgage will not drop XXXX  charges without getting money from us another way. 
We have paid extra principal every month and got the loan balance under the XXXX XXXX as required by the XXXX XXXXXXXX XXXX, provided original documents yet they want us to pay them before dropping XXXX 
We've communicated by phone and email several times over the last XXXX months. Their response is always give us more money and we may drop it.
Consumer complaint received 2022-12-06
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: CCS Financial Services, Inc. (IL)

Hi Im Authorizing this complaint on my behalf. I cant believe you guys are taking a vantage of me. I have sent several letters out to the credit bureaus and they all have said they comply with FCRA guidelines. 
I have come to understand they are reporting inaccurate information. The day are open the account is inaccurate, so is the reporting. Its been more than 60 days I need these counts deleted and updated. if not I will file my attorney damage because you are a violation 15 USC code 1681a and 15, USC code 1681n as well. I will like immediate assistance
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (LA)

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 stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.