davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-21
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. (FL)

Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX OF XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXXXXXX opened last XX/XX/XXXX, DEPT OF EDUCATIONXXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, and DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX.
Consumer complaint received 2021-01-27
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: JPMORGAN CHASE & CO. (VA)

I have been a victim of identity theft, once I found out there were negative impacts on credit score, I try to contact these creditors ( chase and XXXX ) to solve the issue by providing all the documents they need. However, they always come up with some excuse said they didnt receive the documents and others excuses. 
I did sent polices reports and bank statements to both creditors but they didnt resolve the issue.
Consumer complaint received 2018-01-09
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. (FL)

Following the receipt of my credit report late last year from the XXXX, Experian and XXXX  consumer reporting agencies, I learned of an adverse account from XXXX/XXXX. Said account reported to all three credit reporting agencies under account number XXXX, with a customer number of XXXX. 


I never had an account with XXXX. Disputes with the credit reporting agencies were for naught as XXXX/XXXX merely confirmed the accounts. I complained to XXXX - in writing - and even completed two separate fraud affidavits received by this creditor. I also filed individual complaints with the credit reporting agencies. They were all ignored with an explanation that the account was not misused. 


Once again - I never maintained an account with XXXX/XXXX. This company ignored my concerns despite evidence of identity theft, a return of the required affidavits, and the existence of a fraud alert on my XXXX, Experian and XXXX consumer credit profiles. 

I now file my complaint to the CFPB seeking relief.
Consumer complaint received 2021-01-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (MI)

I recently was bombarded with emails from LendingClub a company where I am currently paying off a loan I received around 3 to 4 years ago with a co-signer in the amount of {$570.00} a month. I have been making on-time payments and monitoring my credit score and credit decisions with the XXXX app for smart-phones. I was under the impression and assumption that I was refinancing my current loan which I am halfway through paying. I had no intention of taking out another loan or in their words " opening up another account, and it's okay because at LendingClub you can have up to two accounts at the same time. '' When the offer was first made to me they said I can apply up to {$40000.00}, so I applied for {$40000.00}, they came back with an offer of {$13000.00}, which I accepted. So I am thinking they loaned me the $ XXXX minus the $ XXXX, which would left me with {$15000.00} cash in hand. But now I can't remember if was going to refinance the $ XXXX I originally borrowed minus the remaining balance of {$11000.00} which would have left me {$13000.00}, again close to the amount that they created a second account for. After their admin fees I received through direct deposit {$13000.00}. I never would have agreed to take out a completely new second loan to add to my debt, that I am trying to get rid off. LendingClub bombarded me with emails using key words like refinance, congratulating me on payment streaks, and now I feel they are trying to take advantage and take what little money I have left to pay on a second loan them. I called a customer rep, greedy and predatory when I spoke with them over the phone. Also my interest rates are to high at 30 %, for my credit score of XXXX when I applied.
Consumer complaint received 2018-01-09
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. (FL)

Following the receipt of my credit report late last year from the XXXX, XXXX and TransUnion consumer reporting agencies, I learned of an adverse account from XXXX/XXXX. Said account reported to all three credit reporting agencies under account number XXXX, with a customer number of XXXX. 


I never had an account with XXXX. Disputes with the credit reporting agencies were for naught as XXXX/XXXX merely confirmed the accounts. I complained to XXXX - in writing - and even completed two separate fraud affidavits received by this creditor. I also filed individual complaints with the credit reporting agencies. They were all ignored with an explanation that the account was not misused. 


Once again - I never maintained an account with XXXX/XXXX. This company ignored my concerns despite evidence of identity theft, a return of the required affidavits, and the existence of a fraud alert on my XXXX, XXXX and TransUnion consumer credit profiles. 

I now file my complaint to the CFPB seeking relief.
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been made aware that a computer glitch in the summer of XX/XX/XXXX and early XX/XX/XXXX deleted inquiries in the month of XXXX. Once the glitch was realized Transunion added them back to my report., I am aware of my legal rights and it is illegal for an item to be added back to my report after being deleted with out written notification 5 days prior to it appearing. On XX/XX/XXXX at XXXX XXXX eastern time i spoke with a representative at Transunion by the name of XXXX XXXX at telephone XXXX. I contacted Transunion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquries add a hardship and my rights were violated by Transunion. Please have all of my Transunion inquiries deleted permanently from my report as a violation took place when they were illegally added back with out any notification. Inquiries to be deleted are the following : 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 2018-01-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MT)

My husband and I are trying to get the mortgage company to endorse and return our insurance claim check on damage that was done on the roof and interior of our house. I faxed them the invoices on repair and payments made to the contractors. They said that unless they get invoices showing that everything has been paid in full they will not release the check. They keep changing requirements for us to get the check back every time we talk with them. I have one invoice that still shows {$2500.00} owed to XXXX XXXX with XXXX XXXX XXXX XXXX ( XXXX ) XXXX. We paid him but never got a receipt stating paid in full. I have been unable to get an invoice showing paid in full. Where I am confused is the insurance check is supposed to be what pays the contractor. If the mortgage company is holding the insurance check hostage how are individuals supposed to pay their contractors? I am sure that not all individuals have money in their savings to pay large sums of money owed to their contractors. I have suggested that Loancare call the contractor if they doubt payment was made. I just would like to get reimbursed for what we took out of our savings account to pay both our contractors on amounts not paid by the insurance company and from the check Loancare in holding and will not give to us in the amount of approximately {$3600.00}. We only owe a little over {$100000.00} on our loan. The house is valued at over {$400000.00}. We have never missed or been late on a payment. This is very frustrating. We have gone through 2 house inspections to verify work was completed ( 95 % ). Work that was not completed was some minor repairs that was not reimbursed by our insurance company. We plan on doing those repairs on our own dime this summer. XXXX determined that what our contractor was charging was over what they thought the work should have cost. Loan # is XXXX with XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) XXXX You have permission to share our experience as long as our personal info is removed so we do not have a problem with identity theft.
Consumer complaint received 2018-01-09
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. (NJ)

Equifax and XXXX are not updating my credit report for one negative item. Equifax and XXXX keeps providing bogus information claiming that my negative item was investigated. I personally contacted the creditor on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX to confirm and they NO LONGER have the disputed account on their records since XXXX. Equifax and XXXX " investigation '' stated that this creditor reported their first delinquency on XXXX. The creditor got paid through my already dismissed chapter XXXX that was filed on XXXX/XXXX/XXXX and discharged XXXX/XXXX/XXXX. The chapter XXXX has already been deleted from my credit reports along with all the involved accounts except this one.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Hello, There is an account showing as an authorized user. I am not an authorized user on this account. This is invalid & inaccurate. I demand this account to be removed from the credit report so only accurate and valid information is showing.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OH)

Before XX/XX/XXXX I submitted a request on XXXX  website stating that I was having issues selling my bitcoins because my account was restricted. On XXXX XXXX I received an automated response in which it stated that it may take several days to respond. I waited a week and received no response to which I submitted another more detailed request to which I received another automated email on XX/XX/XXXX. The email stated that account lockouts and delayed payment or orders are there current priorities and if I am suffering from this issue that I need to respond to the email. Since I am experiencing an account lockout I responded and made a very detailed description and a screenshot of my issue to which I received no response. I am still unable to access my money.
Consumer complaint received 2018-01-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

I received a bill on XX/XX/XXXX from Transworld Systems Inc. for {$200.00}. This bill had two line items. One item for {$150.00} and another item for {$46.00}. I called to Transworld Systems Inc on XX/XX/XXXX to pay my bill. I gave them my payment information and they processed the payment. The phone operator confirmed that I paid everything showing in her system and that I had no outstanding payments. 

A few months later, I received an alert from my bank that my credit score had changed due to an outstanding debt that I owed. My credit score showed that I owed {$46.00} to Transworld Systems Inc.I called Transworld back and they informed me that I only paid the {$150.00} and still owed {$46.00} ( The phone operator on XX/XX/XXXX told me that I had paid everything that I owed ). I paid the {$46.00} during the phone call on XX/XX/XXXX. 

My credit score is now being affected because it shows that I had an outstanding debt payment for three months, even though I thought I had paid the entire debt in full on time.
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (IA)

I tried contacting Discover Card about two disputes. The individual refused to take my disputes seriously and instead put me on long-term hold with the intent of ignoring me. 

I have XX/XX/2022 dispute with XXXX for {$32.00}. I have never authorized XXXX monthly charge... ever. Their phone number does not work either. 

I have XX/XX/2022 dispute with Territory Ahead for {$100.00} because the merchandise was never received by me. I tried calling and using email.
Consumer complaint received 2022-05-02
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. (NY)

I have been disputing these unverified bankruptcies on my credit reports for some time now. The credit bureaus said the company reporting this information to the them is XXXX XXXX. I disputed the information with XXXX XXXX and the removed all bankruptcies from my consumer report. I spoke with numerous supervisors at XXXX XXXX and they said there is no way those removed bankruptcies could be reported to the credit agencies in the future because they no longer exist in my consumer report. 

I disputed the information with the bureaus after I confirmed with XXXX XXXX that it was no longer on my report so the bureaus would remove them. The credit bureaus responded to me by saying they reached out to XXXX XXXX who told them that the bankruptcies was still on my consumer report. I received an updated copy of my consumer report and the information isn't on there so the bureaus obviously didn't do a complete and thorough investigation or they would not still be reporting this " phantom '' information on my credit report. 

It seems my disputes are being disregarded so I am coming to you for assistance in this matter. I am demanding that the erroneous information be deleted at once. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Consumer complaint received 2021-11-16
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. (AL)

In XX/XX/XXXX I filed a dispute with XXXX, XXXX and Equifax credit bureau about the unverified collection, XXXX, XXXX -- XXXX of {$170.00}. I have not received a notice in over 45 days and my report shows that this account is still in dispute. This unverified account should have been removed because I am aware that this 30 non-day response is a violation of the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 3 months as of today. Thank you
Consumer complaint received 2017-04-19
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (TX)

I have been going through the loan modification  with PHH Mo rtgage and was finally approved in  XXXX   XXXX . I finally received my loan modification  ( trial documents ) i n  XXXX   XXXX . I have made all three required payments as set out in the loan modification paperwork ( please see attached copies of check s ). All ch ecks were sent overnight signature required. I contact ed PHH Mortgage  on several different occasions to confirm receipt of payments and was told that my account was current. I recently spoke with my personal ca se manager on  or about  XXXX   XXXX   XXXX  and he confirmed that my account is in good standing and that all payments had been received. I received a call this morning,  XXXX   XXXX   XXXX  at  XXXX  from my VA representative informing me that he had been contacted on  XXXX   XXXX   XXXX  by PHH Mortgage that my account was delinquent and he wanted to know if I had fallen behind on any payments. I assured him that all payments had been made and in fact I had just recently confirmed this information with my  case manager. This  seems to be an ongoing issue w ith PHH Mo rtgage and their lack of accurate book keeping. This is my third complaint to CFPB regarding this mortgage company and I feel it will not be my last.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

The company in question is XXXX / Coinbase. 

I transferred funds to XXXX using a SEPA transfer from the XXXX on XXXX XXXX. The funds were showing in my XXXX account 2 days later - converted from GBP to XXXX. 

Due to changing circumstances, I need to transfer the cash back immediately - again using SEPA. Everything is in place for this to happen - my account is properly linked, and the balance is clearly showing. When I try however, I get the error message 'Insufficient Funds '. I have n't bought or sold anything on the exchange, so the money has been sat in the same place since I transferred it. I get the same error message if I try to withdraw a smaller amount, or even to trade on their exchange using my funds. In short - despite showing the full balance, XXXX are not acknowledging that the funds exist. Please see attached screenshots of the balance, and error message. 

I have tried emailing XXXX and Coinbase support multiple times. They have only responded once - with a reply completely irrelevant to my query - I 've also attached a copy of this - other than that no response despite emailing 5+ times, and spending hours on hold for their support team, only to be hung up on immediately after connection. 

I simply want my funds back quickly. Given the ease with which I could set up an account and send funds TO the company - the difficulty I 'm having withdrawing those funds, or even getting a reply at all - smacks of fraud. 

If you can offer any help, it will be greatly appreciated.
Consumer complaint received 2018-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have attempted to get portfolio recovery associates to remove this account from my credit files on multiple occassions. I have requested to relieve the original application and copy of my drivers license. I have been told by them that they do not have that information. That I would have to contact XXXX XXXX directly. They are aware that when I try to contact XXXX XXXX their automated system transfers me to portfolio recovery, there 's is no way for me to contact XXXXl XXXX directly to request the information. I contend that XXXX XXXX never verified my identity before opening a credit card account. It was XXXX XXXX 's responsibility to verify my identity before opening an account. Because they did not verify my identity when they opened the account, the account is void and must be removed from all of my credit files. Every time I request this basic information from XXXX  XXXX I am sent a fraud affidavit, or a copy of a billing statement, they refuse to send me the information I am requesting. I am requesting that they send me the original application and copy of my drivers license that they have to keep in file, if they can not provide me with this information request, then the account is void and must be removed from my credit file.
Consumer complaint received 2018-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (SC)

The account was open XX/XX/XXXX the amount due is {$360.00}. Ive never purchased gas. Ive called in the past to dispute this account and nothing was done. I have Called again on XX/XX/XXXX to dispute again and nothing happen
Consumer complaint received 2022-03-11
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IA)

On XXXX XXXX, 2017, I sent XXXX ETH from XXXX to coinbase using the correct wallet identification given to me from coinbase. The transaction has been confirmed on XXXX many times, however, no pending transaction showed up like it should on my account and my XXXX never showed in my wallet. I waited a couple days to see if it would show up eventually to no avail. So I sent a support ticket in, waited 5 days and got no response, so I sent another ticket in. The next day, I got a generic response that did n't help my situation at all but said if I needed help further, I could email them back so I did and have n't received an email back yet. I have sent 5 more support tickets in since and have gotten no responses.
Consumer complaint received 2022-07-10
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions