davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (VA)

I received debt collection from EOS CCA regarding a XXXX XXXX I already paid back to XX/XX/2016. The debt EOS CCA collected is {$450.00} with statement date of XXXX. 

I faxed EOS CCA dispute department at XXXX on XXXX providing with the bank statement showing the payment {$340.00} being made. My dispute was refused when I call the dispute department on XXXX because the amount what I paid {$340.00} is different from what they asked for. The dispute department said that what I paid is for the different account they asked for. However, during that time, I only have XXXX XXXX account. 

In XXXX, I did email to XXXX with the proof of payment to dispute the charge with the following information. Unfortunately, I did not get any response. 

In the attached file, please review my original email dispute with bank statement to validate my payment.
Consumer complaint received 2019-06-11
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. (MS)

Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.. US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDUC XXXX, US DEPARTMENT OF EDUC XXXX, US DEPARTMENT OF EDUC XXXX, UNKNOWN XXXX
Consumer complaint received 2015-10-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: STATE FARM BANK, FSB (OR)

I have a Online checking account with State Farm Bank. They have no " brick and mortar '' facilities. My deposits are done remotely by scanning the check for deposit using a State Farm app. The Bank acknowledges receipt of the deposit immediately, but it is not considered a deposit until I receive an email notification that the check has been " approved and processed ''. My most recent check for deposit in the amount of {$5500.00} was acknowledged by such an email on XXXX/XXXX/2015 at XXXX. My online State Farm check ledger shows a deposit on XXXX and a new account balance reflecting the deposited {$5500.00}. However, according to State Farm policy only {$500.00} of that check was actually posted internally as a credit to my account balance. The following day, XXXX, the bank paid checks from my account as previously requested online and also received a paper check for payment. The Bank states that at the close of the day on XXXX my account was overdrawn by approximately {$550.00}, since {$5000.00} of the deposited check was internally not credited to my account. The overdraw of the account triggered a State Farm credit card overdraft protection transfer of {$600.00} on XXXX. The credit card fee charge for this transfer was {$24.00}. The checking account charge to receive this transfer was {$3.00}. The Bank states that the balance of my deposited check in the amount of {$500.00} was credited to my checking account balance internally the following day, on XXXX. I believe the Bank misrepresented my online ledger account balance and misrepresented holding back internally {$5000.00} of deposited funds when the Bank notified me by email on XXXX that " This message confirms your deposit of {$5500.00} has been approved and processed ''. Therefore the credit card transfer was unnecessary and the charges against my accounts were wrongful.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (NE)

I recently opened a checking and savings account with Laurel Road Bank. After XXXX deposits into the account my account was suddenly locked. I called to ask why and they said they need to verify who I am. I immediately sent them a picture of ID and also my social security card. I also sent a copy of my birth certificate just to make sue the process could be handled quickly. These funds I need to pay my bills and feed my family. They confirmed they received them adn then asked for phone records and phone bills. I am unable to provide a phone bill because my phone plan does not send bills to me. This is a XXXX week long process as of today and it has forced me into debt over 700 dollars. They provide no answer when I call and say the case is being reviewed. I call everyday for an update and they say the same thing.
Consumer complaint received 2022-07-23
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: Self Financial Inc. (MS)

In accordance with the Fair Credit Reporting act Self Lender/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. ( I never gave Self Lender/XXXX XXXX permission to furnish any installment accounts on my consumer report. )
Consumer complaint received 2022-04-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (TX)

Refinanced my home, and told loan depot prior to closing that the escrow was not correct, and they had assured me it was, and they even double checked so they claim, and after not even a year later, I receive a letter to pay $ XXXX  for a huge oversight on their end, or to double my monthly payments for a year. 

I understand taxes go up, but this is absolutely absurd. Anyone with any understanding should have been able to see that this was going to be a huge issue. I have an email chain and everything for documentation.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

So upon checking my credit and going over my credit reports I found out that their was a bankruputct reporting on my credit report. When I saw that this was on my credit report Itook action and ask the Credit Brueas to remove this off of my credit report. They respose to me was it was verfied. How can they just say that it was verfied when I never gave them permission to verfiy it. 

The Bankruptcy is Dated on my report as XX/XX/2018. 

I have asked them numerous of time to remove this.This harming me and my kids by me being the sole provider. I am unable to get the job that I need. 

Per 15 USC 1681k ( 2 ) and 15 USC 1681 ( c ) them reporting this information is wrong.
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

My cell phone was stolen and the criminal got into my online Chase and  XXXX accounts. They stole every penny I had ( over {$6700.00} ) by XXXX ( I don't use XXXX ) and  XXXX XXXX. I put in a claim with Chase which they reversed about {$6000.00} ( only the XXXX payments ) then they took they money back causing my account to be over drafted by {$510.00}. I refused to pay that so they closed my account after 60 days. I am the victim of a crime in which I went to the police department. I was told that they were going to resubmit a second claim. This never happened. I just want my money back that was stolen. I have proof that the money was sent to someone I do not know. This crime was performed on XX/XX/XXXX and  XXXX XXXX  2021. The compromised account # XXXX. The replacement account number was # XXXX ( which they closed on XX/XX/XXXX ). Because I had no money and was unemployed at the time, I had no money to pay my cell phone bill and rent. XXXX ultimately close my account also so I have two collection accounts on my report. There were MANY sleepless night and fear of uncertainty living as a homeless person. Feel free to call ( XXXX ) or e-mail me if you need any other information or need to contact me until I am able to purchase a new phone.
Consumer complaint received 2020-06-25
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. (CA)

I am filing a complaint against the three credit reporting agencies, XXXX XXXX XXXX and also XXXX XXXX.. sometime in XXXX I received a call regarding my cousin asking if I can be a reference for some XXXX  work he was getting done! I asked him why did he need a reference and he said so they can call because he was getting a loan and I would not be the only one. Next thing I know I receiving something in the mail stating that I have a loan.. I was not aware of any loan! I feel bamboozled, manipulated and taken advantage of.. I never gave my conceit for them to use my information. I never signed any paperwork and never went to any office to give anyone permission to run my credit.. My cousin also is blind to the whole thing. The XXXX  office have been giving my cousin and I the run around since this whole thing happened. They refuse to talk to us or even set up a meeting to know who it was that violated my privacy. They signed the paper work with the wrong name and everything.. Not only am I upset that this happened, I am afraid of what these people are capable of.. I have filed several reports to the lending companies as well as the city police station.
Consumer complaint received 2022-01-25
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. ()

XX/XX/XXXX Creditor : XXXX Amount : {$890.00} XXXX XXXX XXXX XXXX Letter sent to my parents home address in XXXX XXXX This is my US address and I moved to XXXX with my husband and family in XXXX Sent all documentation of proof of my XXXX address, Passport, Permanent Resident Card, Utility bills and followed XXXX ID Theft Claim Process as was advised Called all three credit agencies and out a fraud alert account Spoke to someone at FTC, but was not able to file a report or police report due to be in XXXX and no idea who has my Social Security number I was given information that the address was used XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX for the months of XXXX XXXX ( I have lived in XXXX, XXXX, XXXX XXXX and bought my home in XXXX ) XX/XX/XXXX spoke to XXXX and was told it was cleared up, however, it still appears on my credit agencies list of debts and is affecting my credit rating. 
XX/XX/XXXX Creditor : XXXX XXXX Amount : {$650.00} XXXX XXXX XXXX Letter sent to my parents home address in XXXX XXXX , I called XXXX XXXX and explained the situation, they asked me to fax over proof of my address in XXXX and ID documents etc, which I did. I also sent the XXXX information. 
XXXX XXXX made me aware it was the same address in XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I thought I had taken all steps to recify this situation. I was not able to file a police report. I do not live in the US. I live in XXXX and it has been XXXX. I have no idea who is commiting these crimes. I called all three credit agencies and the FTC and put all alerts on. However, in XXXX of XXXX, I just recieved a new collection notice. 

XX/XX/XXXX Creditor : XXXX XXXX Amount : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX A letter was sent to my parents house in XXXX XXXX in XXXX, XXXX addressed to me. 
I called XXXX and they made me aware this was the SAME address in XXXX ... this person is still using my Social Security Number for over 2 years to open accounts. 
They opened XXXX XXXX on XX/XX/XXXX, XXXX XX/XX/XXXX. 
The address is XXXX XXXX  XXXX XXXX Unit XXXX, XXXX XXXX  XXXX I called XXXX and let them know. 

Can you please help me?? This is severly affecting my mental health. I want to cancel my Social Security number.
Consumer complaint received 2024-10-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc. (IN)

Credit Collection Services [ CCS ] violated at least XXXX provisions of the FCRA. 

XXXX. CCS knowingly and fraudulently reported false information about an alleged debt. 

XXXX. CCS reported an alleged debt without disclosing that it has been disputed from the outset. 

There are XXXX charges by XXXX from XX/XX/XXXX, at issue : {$370.00} and {$340.00}. 

On XX/XX/XXXX, XXXX informed XXXX that I am not responsible for the {$370.00} charge. On XX/XX/XXXX, XXXX verified that in a letter to me. I explained that to CCS in a letter of XX/XX/XXXX. 

The charge for {$340.00}, also disputed from the outset, is still in the XXXX process. That was also explained to CCS in my XX/XX/XXXX letter. 

However, beginning in late XXXX, CCS began falsely reporting the entire amount of {$720.00} as delinquent, and without the required disclosure of dispute. 

In violation of state and federal laws, XXXX has refused XXXX written requests by me for a copy of all the billing related records. CCS is also aware of that.
Consumer complaint received 2020-06-25
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: Experian Information Solutions Inc. (NH)

Experian continues to report unverifiable information and recently refused to re-investigate the public record on file. They claimed that their method of verification was XXXX XXXX XXXX XXXX and since my last complaint, XXXX has deleted the alleged public record from their databases. Experian can not verify this public record, it's impossible. 

Account Name : US BKPT CT NH XXXX Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Consumer complaint received 2021-12-04
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 XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2022-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NC)

My payroll direct deposit is deposited into a vemo account I got a direct deposit into my venmo account on XX/XX/2022 when I went to go use my card and also send my daughter money I got an alert saying that my account had been frozen after that I had emailed the support team for venmo and submitted the documentation that they needed they said there was a security reason for them to freeze the account I sent over my driver 's license my marriage license and both of my bank accounts that are attached to the venmo account XXXX days later last night XX/XX/XXXX she lie XXXX at around XXXX a.m. I got an email from the support team saying that my account had been unfrozen and I will be able to use my account like normal this morning XX/XX/XXXX I went and I sent out money to my daughter and I got an alert that said you can't do this your account is frozen again I talked to the people at venmo the person I spoke with was very compassionate and understanding and also said this was no fault of my own that somehow they had put restrictions on my account that when anything is done that has anything to do with those restrictions my account would freeze when your account of your account freezes with venmo it can take up to seven or 10 business days for it to get fixed this is my only income I was laid off last week on Thursday the only dime I have was the {$580.00} that was in my account my children have not had any groceries my animals have not had any dog food the only people that are suffering through this are my children so I have expressed this to demo several times a day and I still get no reply back.. the reason why I'm filing a complaint with you all it's because I googled what to do when you're trying to file a complaint with a bank and this is what I got so please I need you all 's help please contact me ASAP so I will not have to send my children to other family members just for them to have nutrition
Consumer complaint received 2022-07-23
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. (NY)

Im submitting this complaint again to inform you I was the victim of identity theft. Per FCRA section 605b, you are required to remove/block the items listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items that I want to remove : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020.
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation (AZ)

Company refuses to update my credit report after a settlement was made on my account and was provided with documentation as settled in full. They continue to update my credit report as late and damage my credit rating. 

Patenaude & Felix A.P.C as of XX/XX/2020 2020
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MD)

I made a {$200.00} dollar payment in XX/XX/XXXX. I forgot my payment in XX/XX/XXXX but have never been late on a payment to XXXX XXXX in the three years Ive had a credit card with them. I made my payment in XX/XX/XXXX on the XXXX. On XX/XX/XXXX XXXX XXXX field my account as delinquent which have decreased my credit score by 45pts over {$38.00} they claim to be past due. This is ridiculous and has hurt my credit standing with my other providers ; thus, potentially putting me into economical hardships while I plan my wedding. On XX/XX/XXXX I paid off the XXXX card {$250.00} dollars I would like my account rectified. This is awful credit investigation on XXXX XXXX.
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

I ordered {$1000.00} in gift cards from my Chase Ultimate rewards program but they were lost by XXXX. 

The tracking number is XXXX I never got the cards and called Chase and spoke to 9 people over 5 hours and each one promised me a resolution but never delivered. I said I was happy to either have my points back or my gift cards but I wanted a resolution. 

Every time they told me to wait for an " escalation '' and check back later. Nothing ever happened. 

On my final call I brought up the analogy of an XXXX shipment that never arrived and how quickly and efficiently XXXX would make that right for their customers. The response was " we're a bank and we do things differently '' Seemingly Chase things they are entitled to ignore their promises to their customers and simply ignore requests for redress. It seems to be a deliberate policy to drag out the experience to make the customer miserable.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I was told by Experian that they verified the bankruptcy by the Court. 
I was told by the court that they don't verify any records. Also I was trying to dispute one or two address that is inaccurate in my credit report but they do not me let do it online and when I call the person did not even why.
Consumer complaint received 2020-06-24
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: Experian Information Solutions Inc. (MO)

I have disputed several accounts on my personal credit report with XXXX, Experian, and XXXX  and yet XXXX, XXXX, and Experian are falsely reporting incorrect information on my credit report! I have no real validation of any of the listed accounts below. There were no previous contracts with myself and the said creditors that are falsely reporting the incorrect thats being accepted by XXXX, XXXX, and Experian!
Consumer complaint received 2020-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Paypal is holding my money without giving me any reason. I have tried multiple times to make a withdrawal and each time it fails without giving me a reason, saying to try again later. Paypal agents told me that it would be fixed if I tried again 24 hours later. It has been over a week and still not fixed.

The total currently being held is {$7200.00}.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (IL)

I applied for Amex XXXX Credit Card on XX/XX/2020. I was declined online with no explanation. The Amex website stated I would received a letter in the mail. On XX/XX/2020 I received the letter stating the reason for being declined. The explanation states : " You are participating in a payment relief or deferral program, receiving modified terms, or credit counseling services, on one or more of your accounts ''. This is not accurate information. I called American Express at XXXX on XX/XX/2020. The person on the phone could not tell me which of my accounts the declination statement applied to. They also suggested to call the credit bureau XXXX. I also called XXXX  on XX/XX/2020. They could not tell me which of my accounts had the statement and recommend to pull my annual credit report. I pulled my free annual credit report and on the file, no accounts have this statement.