davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with fair credit reporting act XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2021-06-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (SC)

On XX/XX/2021, at XXXX XXXX, My coinbase crypto currency account held on Coinbase.com was hacked and coinbase sent 2 step verification to the hackers after they altered my verification process somehow. They then transferred over {$16000.00} worth of XXXX tokens to an unknown wallet and I believe they traded it into all bitcoin before then sending it all into approximately 126 other wallets. I have tracked the initial illegal transfer through the website XXXX. I found there the hackers made 4 transfers out of my account and then did the rest out of their own account. I called the XXXX County Sheriff 's department in South Carolina who took a report for me. I contacted Coinbase support also on the XXXX of XXXX to inform them that they allowed unauthorized transfer of my funds and wanted help from them to replace what was stolen. It was my life savings that was taken. I am on XXXX and do not have the ability to " make that up '' by working or saving it up again. It has taken me years to get the money to the level it was at. 
I got an initial response to my inquiry stating they needed 3-5 business days as they had a " specialist '' looking into the incident. That was on XX/XX/2021 and once again on XX/XX/2021 they repeated that statement as I sent the information I had gathered on XXXX tracking the thieves/hackers. I was told to wait 3-5 business days and I have not heard back from coinbase since that email which arrived at XXXX XXXX  on the XXXX of XXXX, 2021. 
I need help in this matter as I have taken the steps as directed on the coinbase website and filed a police report on the matter. I am in deep jeopardy in the near future when it comes to debts owed that was due to be paid out through those investments. Their delay in responding to me is making me think that they were or are involved with the theft of my money as well. Why else would they ignore someone who was robbed from their site? I am distressed daily over this matter. I need my investments back. I do not know what I can or should do next.
Consumer complaint received 2021-10-06
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. (NV)

To whom it may concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or a similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is in 15 USC 1602 ( 2 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Notice Congress said any card. The credit card is my social security card. They should all be removed from my report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I declare that this is a true and factual statement pursuant 28 USC1746. Sworn :
XX/XX/2021 Signed : XXXX XXXX SS # : XXXX
Consumer complaint received 2022-03-01
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. (NY)

I have sent dispute letters to Equifax, XXXX, and XXXX I have sent an follow up letter and I have not received an response from any of them and it has been past 30 days. This has caused an adverse effect on obtaining financing or obtaining a job. Please find attached letters sent to all 3 credit bureaus
Consumer complaint received 2021-06-11
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: DriveTime (FL)

XXXX XXXX I contacted XXXX and I was out of work. I logged in to make the my XXXX payment on XXXX XXXX but it was drafted XXXX XXXX XXXX reported a 30 day XXXX on my credit report. Ive called XXXX over 10 times to see about removing the 30 day notice but Im not getting any answers and there Dispute Department doesnt speak with customer. I ask the customer service agent about a good will adjustment but I was told they dont accept the letters. At this point I dont know what else to do..
Consumer complaint received 2019-12-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

Someone stole my wallet and used my PayPal card fraudulently. My paycheck is direct deposited to that account and when I went to check the balance that morning it was almost empty. I called PayPal and reported my card stolen and disputed the charges and I clearly want the one who made the withdrawal because I was asleep when it happened, PayPal denied my claim and said the charges was accurately made
Consumer complaint received 2022-03-01
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. (TN)

On XX/XX/2022 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00}
Consumer complaint received 2021-09-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (PA)

My can was repossessed on XX/XX/2021 in the middle of the night from my neighbors parking spot. I was not give any warning such as certified mail or phone call stating that the car payment was overdue because I received a new debit card. My former debit card had false charges. The company, Ally, never sent correspondence or it was sent to the wrong address, In addition I offered to pay {$2000.00} dollars out of the {$2000.00} that was owed and they said that was unacceptable that the full amount had to be paid. I lost my job due to COVID and have been diligently looking for employment.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX  We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

We have been customers with XXXX XXXX for 4.5 years - XX/XX/2014 during that time we have never made a late payment on account number XXXX. That is until this year dated in XXXX. 

If you review my file history you will see I did in fact make payments on time for XXXX, XXXX and XXXX. The payment had gone up XXXX dollars in XXXX without my prior knowledge. XXXX XXXX took the payment that I have been accustomed to paying via bank draft as it does every month. Same as XXXX and XXXX. 

On XX/XX/XXXX I received the first notification from XXXXXXXX XXXX stating my account was past due, confused and unaware of why it would be past due I contacted XXXX immediately. It was on XX/XX/XXXX that I was made aware that my account was {$90.00} short ( {$30.00} XXXX {$30.00} XXXX {$30.00} XXXX ) and had already been reported to the credit bureau. On XX/XX/XXXX I also learned that the amount debited from my bank account had been placed in a reserve account with XXXX. NOT including XXXX, which XXXX accepted. 

I travel for work and am only home 3-4 days a month had no idea that my XXXX payment was going to be placed in a separate account. Same as my XXXX payment. When looking at my bank account the funds had been accepted just like XXXX. I never once received any sort of notifications of this. 

According to my bank account information and payment history I have always made my payments on time. My credit has lowered 100 points based on this {$90.00} XXXX XXXX  did not provide ANY communication to me about the reserve account, the shortage, reporting to the credit bureau or give me an opportunity to resolve the issue. 

I contacted XXXX XXXX on multiple occasions with no resolution to the issue Please advice how we can rectify this situation and remove the impact this has on my credit score.
Consumer complaint received 2021-09-21
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

PAYPAL if you cant release my money, i need you made a refund. 

when you cant release the money, just made a refund nowww ... .is 1 year and you made money with my mony on hold, now i just wat you get back my money, XXXX scamer company.
Consumer complaint received 2018-12-02
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. (VA)

My husband and I leased a XXXX through XXXX XXXX ( XXXX ) in XX/XX/XXXX for 3 years. All lease payments were made in full and on time ( see Lease payment History attached ). At the end of the lease XXXX   sent us a letter to purchase the XXXX for {$18000.00} dated XX/XX/XXXX that was good through XX/XX/XXXX ( see purchase quote attached ). OnXX/XX/XXXX we purchased the XXXX through XXXX XXXX XXXX who sent XXXX a check for {$18.00}, XXXX as payment in full ( see letter from XXXX attached ). XXXX   received the check from XXXX at XXXX XXXX on XX/XX/XXXX ( see XXXX tracking record attached ). On XX/XX/XXXX XXXX   sent XXXX a signed Bill of Sale ( see copy of Bill of Sale attached ). Also on XX/XX/XXXX XXXX sent XXXX the Certificate of Title for the XXXX with a signed release of lien by XXXX ( see Certificate of Title attached ). Despite receiving payment in full and releasing its lien on the vehicle, in XX/XX/XXXX XXXX   fraudulently had our vehicle removed as a " repossession ''. After several conference calls with XXXX, XXXX, and us we were finally able to get our vehicle back that was wrongfully taken because XXXX had no legal right to possess or repossess our vehicle. But, even after we got our vehicle back onXX/XX/XXXX XXXX sent us a fraudulent Notice of Lease Termination and Early Termination Liability letter seeking payment of {$19.00}, XXXX ( see letter attached ). In addition, XXXX placed false and damaging messages on our credit reports which caused our credit scores to decline by 19 points.
Consumer complaint received 2022-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

I purchased a home on XX/XX/2005, with 2 mortgages. When I received the first payment statement for the second mortgage I paid it off in full to XXXX XXXX  XXXX on XX/XX/2005. Then the next month paid one more small payment for the interest accrued over the time it took the mail to get to them. As of my XX/XX/2005 statement from XXXX showed I owed {$0.00}. Somewhere in the midst of me paying off the XXXX XXXX XXXX sold the mortgage to JPMorganChase. They have a lien filed against me for the amount of {$26000.00}. The lien is listed as " inactive '' yet it has not been released at the clerk of the court. After reaching out to everyone possible at JP Morgan Chase they have now come back and said they can not release the lien because I never paid them for it ... they recognized that I paid off XXXX.yet it is filed under JP Morgan Chase in the XXXX XXXX, XXXX  XXXX of the Court records. I am in the process of selling the condo but must have this error in paperwork cleared up immediately. No one wants to help yet they can all see clearly from my records that the debt was paid in XXXX. You are my last resort to get this lien that was clearly " paid off '' removed from the county records so that I can move forward on selling this property.
Consumer complaint received 2021-11-05
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: EQUIFAX, INC. (SC)

XXXX XXXX XXXX Is practicing Unfair means to collect a debt. XXXX XXXX XXXX is using two different accounts to numbers on my credit reports. 
Equifax has different account number than XXXX and XXXX. 

This is clearly inaccurate report. XXXX XXXX XXXX is violating several laws 15 USC 1692F A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.

( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.

( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.

( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

( 7 ) Communicating with a consumer regarding a debt by post card.

( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
Consumer complaint received 2019-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (GA)

I have no idea who XXXX XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX XXXX is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX XXXX as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ XXXX  XXXX  } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX XXXX, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2021-12-11
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. (TX)

These 3 agencies XXXX, Equifax and XXXX are in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Please delete these accounts immediately.
Consumer complaint received 2021-11-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Selene Holdings LLC (OH)

In the process of selling my home my mortgage was sold without my knowledge. The mortgage was sold from XXXX XXXX to Selene Mortgage company on the day the property was sold. The check was sent to XXXX servicing on XXXX XXXX and they sent the check to Selene. Selene cashed the check on XXXX XXXX in the amount of {$90000.00}, this was the total pay off amount. Selene has yet to apply the total to the outstanding balance. I have received SEVERAL collection phone calls over the past 90 days. And have spent countless hours on the phone with them trying to resolve the issue. I have requested 5 times to speak to a manager and it is not allowed. They always tell me that someone will get back to me within 24-48 hours and they never do. They owe me {$220.00} of {$11.00} a day in prepaid interest ( 20 days ). There has been activity of payments made to the account and then retracted. I need help finding my {$90000.00} PLEASE HELP!!!!