davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-18
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-03-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Dear CFPB, I am sending this email in regards to a dispute against the company Coinbase.com - in a last resort attempt, to receive assistance to my hostage held portfolio. On numerous occasions, I have attempted to communicate with Coinbase via their phone lines- which just goes round and round in loop-cycles advising you to email support. 

Email support has been emailed over a handful of times, with ZERO communication back. While I understand investigations take their time, I also understand how racketing is performed and right now it's not looking ethical. Hundreds of individuals online are in the same situation as I am - and nothing gets done. 

If this situation is not internally resolved within an appropriate timeframe, I have no other choice but to go through XXXX and use all my resources to get to the bottom of this. XXXX XXXX XXXX ( XXXX : XXXX ) can also have a piece of this given the jurisdiction. 

On numerous occasions, I have always complied with any requests Coinbase had. I have verified my identity in full under the updated KYC procedures. I have security enabled and never violated any terms of service - simply ignored for months on months. 

I demand Coinbase provide clarification on why they have held my account hostage for over 6 months without any communication to justify holding my {$8000.00}
Consumer complaint received 2023-03-02
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. (MS)

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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 2022-04-23
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. (OH)

I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS OR ADDRESSES NOR DID I AUTHORIZE THEM AND I CALLED THE CREDIT AGENCIES AND THEY DID NOTHING!!!!! I MADE A POLICE REPORT TOO. 

XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... 
XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-05-21
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Jonathan Neil & Associates, Inc (CA)

I was involved in a motor vehicle accident in late XXXX of 2020. I was the driver at fault, and in XXXX, my insurance company reached a settlement with the other party 's insurance company. I received a letter from an unknown debt collection agency named " Jonathan Neils & Associates, Inc '' in late XXXX. In the initial letter, it stated in large print : " SEVEN DAY NOTICE '' regarding an accident in XXXX. I initially thought that it had to do something with the accident I had in XXXX. It stated that I owed " {$1600.00} '' in remaining damages to an insurance company I had never heard of in my life. I told JNA that I did not have that much money, that I am low-income, that I am too young and a XXXX XXXX. They sent me a " contract '' to sign and pay {$140.00} a month, so I made my first payment of {$140.00}. After further analysis with my insurance company, they said that the claim was settled a long time ago and that I had no liens or debts charged against me. I even faxed JNA the property release form and they claimed that they " did not understand '' what it was about. I realized that JNA was a fraudulent debt collection agency and that I wasn't the only victim in this. Several others fell victim to this agency as I was looking at the reviews of JNA online. I talked to my legal provider and I had them write a formal cease and desist letter for them to refrain any contact with me and to drop all " charges ''. Their claim number and stories were bogus, and when I called them, they switched their stories from one insurance company to another. None of their information was true. I want this agency to be held responsible for their federal crimes. These people almost made an XXXX pay almost {$2000.00} to pay for nothing. Unbelievable people that exist.
Consumer complaint received 2023-01-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (FL)

I was just evacuated because of hurricane Ian but when I get home I find a lawsuit and they want to put a judgment on me for a court date I didn't know about and dealing with a natural disaster but now I have to deal with this I just wrote them and asked them to verify the debt because my credit was over XXXX but XXXX different loan companies did fraud in my bank accounts and a bunch of inaccuracies and I will complain about the credit agencies after this one but I did some research on this supposed debt that i owe first the original creditor was sXXXX XXXX care credit but now I'm looking and I called and they have the same account on their twice but it's the same account and XXXX say care credit and it was positive and I didn't owe anything than its LVNV and I owe them how could the same account XXXX be in good standing and the other XXXX not and you aren't allowed to have the account on their twice. Also all the information is inquorate anyway and I also filled a police report and then the dates don't add up from when I close XXXX account but then I got another one and the time frame and everything is off but also in this court case they have against me I see in it that apparently I acted like I was being deployed or that I was who thinks of this stuff first off I would never even think of that nor would I ever join I just found that to be really od but I guess that can't be proven so it only my thoughts and ideas but I'm not sending anyone I don't know money and anyone can say anything these days and who tries to garnish a supposed credit debt that isn't even XXXX you don't even know if it was mine or what happened you're not even the original creditor but after we just got done with a hurricane and all the loss already it's just kind of low end but it is what it is I know what I know but what I don't know is who protects us other than our attorney that we pay top dollar for and plus we talking about something almost XXXX XXXX XXXX don't be mad with me because synchrony sold you a wrong debt. I also thought you can't garnish people or take stuff from people because credit debt is a non-secured debt? Also how do I contact the court and tell them I never got the court date and how to reschedule well obviously my attorney can but just so I know for the future.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (UT)

On or around XX/XX/XXXX my credit card accounts were closed by Citi Bank. When I called Citi Bank asking them what the reasons are for closing my 2 credit card accounts they didnt have any reasons listed as to why the credit card was closed. I received a letter in the mail with a statement that my credit cards were closed and I was told by a Citi representative they had no reasons listed as to why the account is closed. The credit card company wants me to pay a bill payment on XX/XX/XXXX for {$290.00} on my XXXX XXXX Citi XXXX that has a balance of {$6600.00}. As for the other Citi XXXX Credit Card theyve sent me a bill to be paid on the XX/XX/XXXX for {$340.00} with a balance of {$5600.00}. I asked if I could take out my rewards they said, You have {$0.00} in rewards the account was closed they said I forfeited my cash back benefits of $ XXXX When they closed my account. Ive made several phone calls to Citi Bank and they say they cant do anything to help open my account back up.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Received an email that my XXXX credit card had been closed since " It's been over 2 years '' since using the card ; however, there was no prior notification notifying me the card would be closed if NOT used within a certain time frame, and the most recent activity I had was redeeming rewards from the credit card dropping my rewards to XXXX. 

It seems the reasoning is just a pacification and an false excuse to close card accounts after a couple months of most businesses being shut down due to COVID-19 in an effort to block businesses from using cards as they come out of COVID-19.

It is not that we were going to use the card. It just looks very suspicious. Plus, if we wanted an active card from this card company, we now have to reapply which will affect credit scores. It was just nice having a card on hand " just in case. '' It also helped show our credit worthiness. Closing a card for a card holder who is has proven to be a responsible card holder, just shows poorly on the company.
Consumer complaint received 2021-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (TN)

By bank, Simple Bank ( owned by BBVA ) closed and was bought out by PNC. 

I have made several attempts and calls to them to close my accounts and have mailed to me any balance due. No matter how long I waited on the phone, I never was able to talk to anyone. I spent 2 hours today waiting to talk to the right department, and the phone just endlessly rang and rang and rang. 

I have no branches near my location to be able to directly go in and work with someone. If i can't call and talk to someone within any reasonable amount of time... how am I supposed to close my bank account?
Consumer complaint received 2022-03-30
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. (MA)

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

PNC has my account noted so that any refund request made will be denied. This is unfair practices and discrimination. Each request should be researched and approved or denied based on each individual transaction or situation. I spoke with XXXX on XX/XX/22 and a request for a {$36.00} fee to be returned to my account was denied. PNC has low cash mode linked to my account which allows more time to deposit before being charged. My paycheck was deposited within this time frame which was the reason for my request. PNC has determined my account is no longer eligible for refunds no matter the situation and this is discrimination.
Consumer complaint received 2019-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

LOANCARE PERSISTS TO BILL ME FOR TAXES AND INSURANCE ON A MORTGAGE THE SERVICER CREATED AN ESCROW FOR IN ERROR I have sent numerous emails and made even more phone calls to LOANCARE A XXXX XXXX COMPANY - to have the escrow attached to my loan REMOVED. 

This loan never had escrow on it. ( I put down 25 % down-payment and it was structured as a conventional loan whereby I paid only the Principal & Interest. I paid taxes and insurance myself. Last year, Loancare erroneously remitted property tax for this loan to the local tax office. I refunded completely - PAID LOANCARE IN FULL for the remitted taxes almost immediately after the servicer remitted the taxes. Nonetheless, months after making the full payment of the remitted taxes and even after numerous efforts to communicate with LOANCARE, and with them promising to make the adjustment of their error, I continue to be fraudulently be charged Taxes and Insurance and they have persistent to bill me for escrow on a mortgage that I personally and directly pay taxes and insurance to, and which should NOT have escrow attached to it.
Consumer complaint received 2022-10-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Aqua Finance, Inc. (NC)

I applied for a water treatment equipment with XXXX XXXX XXXX NC, They came and installed a water treatment equipment that do not operate according to our needs and what they offer me from the beginning of our discussion. 
The seller tell me the I can try the equipment. He asked me to sign a document and I provided my social security number and bank account. A month later Aqua Finance Inc appears in my credit report with a loan for {$8400.00}. I never authorized XXXX XXXX or Aqua Finance to run my credit. 
I contacted Aqua Finance XXXX XXXX water several times and they are ignoring my request regarding my credit inquiry with out authorization. 
Aqua Finance XXXX I spoke with XXXX XXXX Account appears in my credit XXXX XXXX XXXX XXXX : XXXX XXXX email XXXX phone XXXX Mobile XXXX XXXX XXXX email XXXX I NEVER AUTHORIZED XXXX OR AQUA FINANCE to run my credit
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX-Date of Inquiry XX/XX/2020
Consumer complaint received 2022-03-30
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: CITIBANK, N.A. (PA)

On XX/XX/2021, my Macy 's credit account limit was lowered from XXXX to XXXX. They said this was done based on a review of my consumer file supplied to them from XXXX. I did not authorize Macy 's to obtain an additional pull of my consumer file, whether it be soft or hard pull, I did not authorize it. Furthermore, XXXX has two delinquent accounts on my consumer file that should not be.
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (NC)

I received notice dated XX/XX/2019 from existing tenants insurance provider ( XXXX XXXX ) stating a change in policy terms. Decision is based on missing, fraudulent, incorrect information reported to/from LexisNexis Consumer Center. I moved to new residence XX/XX/2019. Hired moving service ( XXXX XXXX XXXX ) to perform move this day. Two men showed up early morning and took all day ( several hours ~9 ) for the 2 men to handle- were extremely slow and visibly seemed inexperienced : didnt have supplies, packing tape, wardrobe boxes, boxes for dishes ; were unprepared. I informed XXXX XXXX regarding several items still remaining at old residence ( large amount of clothing, dishes, other household items ). Team of 3 was sent the next day, XX/XX/2019, to finish the move. 

XXXX damaged bedroom wood furniture XX/XX/XXXX. I informed XXXX XXXX  same day ; stated would take responsibility for repair costs covered under its own liability insurance. During this time, my tenants insurance provider was XXXX XXXX which didnt provide coverage for any of my moving damages. XXXX XXXX stipulated its insurance coverage is for intentional ( vandalism ) damage ; that its insurance didnt offer nor cover for moving damage. No information should have been reported to/from LexisNexis Consumer Center. I didnt use XXXX XXXX to do repairs to furniture. I used XXXX insurance to cover repair costs for damage its own moving service caused. Premiums paid to XXXX XXXX allotted to basic coverage which excluded moving damage. 

I shouldnt be penalized for negligence of XXXX movers nor should fact that XXXX XXXX didnt provide moving damages in its policy be overlooked.
Consumer complaint received 2023-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (MI)

To whom it may concern, I received a mailer correspondence regarding an alleged debt from United Collection Bureau XX/XX/23 dated XX/XX/23, I do not know who this alleged creditor is. I have never done any business with United Collection Bureau to owe any alleged debt. I do not know anything regarding this alleged account nor any alleged debt owed to this United collection bureau. I dispute the validity of this alleged debt and have attached a formal request for validation, and cease and desist correspondence if this alleged debt can not be validated for verification. Remove my information from United Collection Bureau system, I do not consent or authorize this shared creditor to have any of my personal/ private information.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-28
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. (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 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 my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.