davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-25
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: EQUIFAX, INC. (CA)

I filed for Bankruptcy in XX/XX/XXXX. XXXX XXXX XXXX also known as XXXX-XXXX XXXX ( account # XXXX ) was included in the bankruptcy. 

I currently have an auto loan and credit card with XXXX XXXX. XXXX XXXX provides a credit monitoring service ( XXXX XXXX ) to it's member. On XX/XX/XXXX, XXXX XXXX informed me that my credit score was XXXX. 

Early XX/XX/XXXX, I received an alert from XXXX XXXX informing me that my credit score had dropped by 11 points. 

I immediately purchased membership to XXXX ( $ XXXX/mo ), Equifax ( $ XXXX/mo ) and XXXX ( $ XXXX/mo ) in order to investigate and dispute the matter. 

I found that XXXX XXXX XXXX also known as XXXX-XXXX XXXX ( account # XXXX ) had reported payment status to all three credit bureaus which caused my credit score to plunge. 

I filed a dispute with all three credit bureaus. The results came back the same, XXXX XXXX XXXX also known as XXXX-XXXX  XXXX ( account # XXXX ) confirmed that this account was part of the bankruptcy and that they should not be reporting on this account. 

However, to date ( XX/XX/XXXX ), my credit score still has not recovered. Equifax at the time XXXX/XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. XXXX at the time XXXX/XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. XXXX at the time XXXX/XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. 

Today, as I prepared my evidence to upload, I noticed that the last date that XXXX/XXXX reported to Equifax was XX/XX/XXXX. XXXX/XXXX is still reporting and ruining my life. The current XXXX report does not reveal the last date reported. XXXX XXXX website is having technical difficulties so I was unable to retrieve a current report. 

My credit is damaged. I can't apply for many of the credit card offers that I have received since XX/XX/XXXX. I would like to change my residence. I would like to rent a single family home, but I would not qualify for the rental of a house, in an area of my liking, with this damaged credit. 

I dont know where to begin to attempt to figure out how high my credit score would be if XXXX/XXXX  had not committed this error. All I know is the XXXX/XXXX has caused me and my credit status grave damages and this must be rectified immediately if not sooner.
Consumer complaint received 2023-03-22
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. (OR)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to urgently request your assistance in resolving a matter that has been causing me tremendous distress for over a year. A XXXX XXXX account ( Account Number : XXXX ) has been fraudulently opened in my name and has been negatively affecting my credit report. This account was opened without my consent, and I have already filed a police report ( Report Number : XXXX ) detailing the fraudulent activity. 

Despite my repeated attempts to dispute this account with XXXX, Equifax, and XXXX, the account remains on my credit report. My previous message regarding this matter has been ignored, causing me additional stress and frustration during an already challenging time. 

The persistence of this fraudulent account on my credit report has severely impacted my life, including my ability to find a place to live. I have previously requested the original contracts for the disputed items but have not received any response. I am now prepared to take legal action to resolve this matter if necessary. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I demand that this fraudulent account be removed from my credit report immediately. If you are unable to provide signed, original contracts correlating to the account in question, you must delete the items from my credit report. 

Once this investigation is complete, I kindly request an updated copy of my credit report. I have been under immense stress dealing with this issue for months, and I ask that you carefully review my case and provide a resolution where this account is deleted from my credit report. 

Thank you for your attention to this matter, and I look forward to a prompt and favorable resolution. 

Sincerely,
Consumer complaint received 2021-12-17
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. (AL)

I have been reaching out to Equifax for over 6 months because they are inaccurately reporting a XXXX XXXX Account on my Credit Report! 

The Balance Owed is Incorrect The Account is Reporting as an Open Collections Account ( 120 days late ) - Also inaccurate I have asked for verification methods several times and have simply been ignored. They responded once in XXXX and stated the information was verified but not once have they provided proof! They simply keep stating they do not have to provide such information and that they would no longer investigate this account. 

This is a Violation of my rights! Everything reporting on my report has to be 100 % valid r else it has to be removed. 

The account is also past statue of limitations!
Consumer complaint received 2022-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (SC)

I have reached out to Receivable Management several times direct and through credit bureaus to dispute accounts listed on credit. Accounts listed are in violation of HIPPA. I have requested verification several times and only information received is verification. When submitting dispute with bureaus dispute letter, ID verification was submitted and it has been times when company never responded and others just verified. I have faxed company directed dispute letter as still no validation was sent and company completed violated per HIPPA. I never signed or gave authorization. Please have accounts removed from credit reporting per violation of HIPPA. ) {$420.00} and {$260.00} are the two amounts reflecting on my credit in ERROR!
Consumer complaint received 2023-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Department of defense {$890.00} .. XX/XX/XXXX Never received notice. I have fax documents, called. I have never received any payment since I was in the state of Georgia XXXX DOD has streamlined its debt collection regulation but key parts of it were incomplete and unclearand the services didnt consistently follow it. For example, some service members were not properly notified of their debt or the right to dispute it. Also it indicates closed account/ Then indicated payment on time XX/XX/XXXX Now indicated late paying XX/XX/XXXX.
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681, section 604A, section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC1666b, a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-06-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (CT)

Hi I'm XXXX XXXX, I was have insurance with the general insurance and im never receive any mailing to know how I pay and after that they send it in XXXX XXXX, I need to dispute with them the account number XXXX and apologize thank you my phone number XXXX
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm XXXX XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-03-22
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. (FL)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer.

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX PL XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$3800.00} ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2019-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (CA)

Last year I called and asked Discover card if they would lower my interest fees so I could pay down my card. I explain that I was only working part time. They said they had a program that would allow them to lower the card interest for six months. When the six months were over, they doubled the interest fees. Basically defeating the lower interest rate they had given me to help me out. I only asking for help to pay off this bill. I have always made my payments on time. I've been a very good customer.
Consumer complaint received 2022-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I was scammed into sending {$300.00} to XXXX XXXX XXXX for the purchase of a XXXX XXXX  ( aviation related item ) using XXXX. I realized directly after paying him when he blocked me on his social media and stopped responding to texts or messages that it was a scam. I reached out to Chase on XX/XX/XXXX to help rectify the situation and they took down all relevant info saying they would help me, then within 12hrs they sent a letter to me stating " As we discussed and agreed, no action will be taken '' and " This inquiry is not resolved ''. There had been no discussion as stated by Chase and I feel they put no effort into helping me recoup this money. They take large fee 's and when they are needed to assist their customers they left me hanging.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

Chase appears to be trying to set precedent with this type of branch. This is a cashless branch. There are no live tellers. Yet, there are processes that are not openly disclosed to the customer. Their processes allowed the bank to keep my money even in the instance where an employees witnessed the machine malfunction and not dispense my money ( the withdrawal will be confirmed in your transactions when checked and the bank will not immediately resolve the error/malfunction ). Instead it was requested I sit in a cubicle ( XXXX XXXX the associate who witnessed the malfunction ) while a claim was created and case numbers established. I asked for the manager and was advised he was not there. The next in charge XXXX XXXX casually conveyed it has happened to him, ( I called XXXX XXXX ( XXXX ) in XXXX relations ). I was told by both the claims Supervisor XXXX XXXX ( claim number XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) the matter would take at least 12 hours to be resolved. The bank would not expedite resolution. I used the atm inside the branch which is how the associate witnessed the machine malfunction. There were ATM servicing agents repairing machines on the outside of the building. Yet, I was told the machines on the inside could not be serviced until after hours. I have contacted XXXX XXXX this morning and spoke to XXXX who advised a Supervisor was unavailable and in a meeting. He advised XXXX was still handling the case. 

My concern is the machine malfunctioned and my money was not dispensed ... in front of an associate and it is being handled casually with no urgency or bank accountability, immediate action or concern. I am being forced to wait for resolution. The amount was $ XXXX. It was bill, fuel, and grocery money waiting to be distributed. I was forced to go home. I find it heinous and it still has not been resolved and is approaching 24 hours. There should be a more immediate policy to service customers like myself in this instance.
Consumer complaint received 2021-12-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

I was selling items on XXXX. 
Things were going well up until I started scaling my store and growing as a small business. I started getting higher revenues and I noticed PayPal started holding funds, placing random holds for unspecified amounts of days, which I did not mind since they have to verify their sellers one way or another. 
Up until I reached a certain point in my journey- they placed a hold on my accont- asking for ridiculous amounts of information I had already submitted. After a few days, it turned into a permanent suspension and freezing of my money in the account for 180 days. 
That caused my small business to crash, caused a lot of issues with customers because they wouldn't even let me refund customers that had issues with their orders... Anyways I gave up on the thing I was doing because of them and decided to wait the 180 days out, take my money out and leave this bad company once and for all... 
181 days of the hold on my funds - I log into my account to find that PayPal has stolen my money out of my account. 
For the next 3 months, I have been e-mailing, calling, texting on XXXX, XXXX EVERYWHERE looking for help and answers for their unlawful actions against me. 
During the 180 days also I'd like to add that they were unfairly issuing refunds and were charging me Dispute fees for disputes that were either fraud or non-existent. 
No warning... Just took the money out and claim I caused damages to their business... 
I have done nothing wrong. 
ALl my orders had tracking information, all my customers received their products, left good reviews and feedback and yet PayPal still took my money like that... 

I demand a full refund and legal action against this fraud company. 





XXXX XXXX XXXXXXXX I will just put this here. 

They pretty much stole my money for nothing. They had previously blocked my account for 180 days. Once the 180 days passed and my money was ready for me to withdraw and cut ties with that company, they went south on me and stole all the balance. 

They claim I've done damages. 
{$6100.00} USD ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ; Damages caused to PayPal by Acceptable Use Policy violation ( s ) This is what they told me. No further explanation. Nothing.
Consumer complaint received 2021-02-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION ON MY CREDIT REPORT. I NEVER RECIEVED ANY NOTIFICATION IN REGARDS TO INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. ALSO, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2019-06-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Robinson & Hoover (AZ)

This complaint is in regards to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX Phone - XXXX XXXX : ( XXXX ) XXXX On XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX filed a judgement again me in the State of Kansas in the district court of XXXX County Kansas - Case # XXXX. Garnishment total {$14000.00} I never received any knowledge of this action until I was approached with garnishment by my employer. For the past year my checks have been garnished biweekly for a total payment of over {$7000.00}. With all my payments this past year my new balance is {$8900.00}. 

On XX/XX/XXXX XXXX XXXX XXXX filed another judgement for the same auto loan in the State of Oklahoma in the District Court of XXXX County - Case # XXXX. Now they are seeking additional interest for a total garnishment of {$20000.00} Both garnishments have been sent to my employer. This is beyond harassment. They are malicious. How can they have 2 judgements against me for the same auto loan??? I have already been charged once and I have been paying? Why are they seeking more money. This is illegal. They can't do this. I am contacting a litigation attorney to bring harassment charges and to have the judgements dismissed for malicious intent to obtain unlawful action against me and to get additional money not owed to them.
Consumer complaint received 2021-11-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (NC)

I applied for a credit card and made a purchase at XXXX  in XXXX, NC in XXXX or XXXX of XXXXThe card nor bill never came to my address. Around XXXX of 2020 I received an email stating I was being sent to collections. The bill was paid immediately. I applied for a XXXX XXXX XXXX  card in XXXX of XXXXwith XXXX XXXX XXXX XXXX and was informed my credit score was XXXX and would probably remain so for 7 years. My score had been XXXX for years. I got no help from XXXX or Synchrony Bank in person, phone or letter. Please assist me. I should not be punished because the card and bill were sent to the wrong address. My email : XXXX. My mailing is XXXX XXXX XXXX XXXX, NC XXXX.
Consumer complaint received 2021-12-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

On XX/XX/21, at around XXXX PST, my Coinbase account appeared to have been compromised. I received a message from the app that your 2 step-verification has changed. I called customer support immediately, but unfortunately, it did not let me lock my account by phone or talk to a representative. I tried all available options on the phone, but in the end, all of them stated that I have to submit an online form to lock my account. I did submit an online form shortly after. I heard back from Customer support after a few days, and it appeared that the scammer has made several unauthorized withdrawals, between XXXX and XXXX PST to three external three accounts that are not mine. The three accounts are XXXX - XXXX XXXX issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX issued by XXXX XXXX XXXX Coinbase support initially confirmed that there has been no external transfer or loss of money on my account, but when they finally provided me with a record of transactions on XX/XX/21 I informed them that three accounts arent mine and that there has been a loss of {$35000.00}. Since XX/XX/21, I have not heard back from Coinbase support - Coinbase support stopped responding to my emails as soon as I informed them about my loss of {$35000.00}. 

Coinbase is responsible for this incident. If Coinbase support had allowed me to lock my account by phone or talk to a live representative when I called them after receiving the message of 2-step verification change on XX/XX/21 or had actually locked my account when I submitted an online form, this would have never happened. Coinbase should refund me for the loss of {$35000.00}.
Consumer complaint received 2021-02-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (NY)

XX/XX/XXXX Ths Complaint is about Missing MERS  / Mortgage Assignment Documentation. 

I have two mortgages with LoanCare ( XXXX  ) since XXXX, both of which are current and never late with a payment. In XX/XX/XXXX I obtained written approval from another bank XXXX XXXX XXXX XXXX to refinance one of these mortgages ( LoanCare # XXXX XXXX at a significantly lower interest rate. On XX/XX/XXXX LoanCare was formally requested to provide the new banks attorneys with the customary MERS resolution and assignment documents for Consolidation Extension and Modification Agreement ( " CEMA '' XXXX to close. 

For over 4 months ( XX/XX/XXXX - XX/XX/XXXX ), despite numerous documented online submissions, emails and phone calls, LoanCare has still not provided the required MERS / CEMA documentation. 

We have requested three extension from the new bank and the final extension is expiring XX/XX/XXXX. If LoanCare does not provide their attorneys with this conventional documentation, we will not only lose our processing/application fees but be forced to keep our higher interest rate mortgage with LoanCare. 

We have been exceedingly patient and exhausted all reasonable attempts to resolve this. We implore your assistance to expeditiously correct this before the expiration of our final XX/XX/XXXX extension. 

I urge you inform the appropriate LoanCare personnel to resolve this or advise of alternative courses of actions. Please contact me at your earliest convenience to discuss how we should proceed. 

Sincerely,