davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-19
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-08-19
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. (NJ)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize, nor consent to any of these inquiries to be taken out in my name. Im unaware of any of this. All is being investigated by the FTC. 

Pursuant to the FCRA 15 USC 1692c-2 ( a ) they have 4 business days to block information. I have supplied my identity theft report, ID, statement, and proof of identity. A police report is not needed under this subchapter.

Also pursuant to FCRA 15 USC 1681c-2 ( b ) ( c ) you the authority to decline or rescind but the information I sent was not blocked in error so the information can't be blocked. 

I have listed the items on the document attached.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (NV)

Hello I have issues with the way2go program which is with XXXX XXXX I receive my weekly unemployment on the card. But for the last 5 weeks my account has been suspended due to fraud which they are saying they are unable to verify my identity. I sent in my id. Social security card, birth certificate, w2, and also documents from id.me that my identity was verified. I had to sent that account up in order to file my unemployment. I've contacted way2go customer service everyday for help im on hold for hours and they transfer me to the fraud department then they tell me to send my documents to id@conduent.com which I've done at least 10 times. Then they told me they couldn't verify me and to call and my local social security office i to get a consent based process and I did they told they had no idea what i was talking about and told me to call the unemployment office and I did they told me my identity was already verified and there should be no issues I called way2go back and told them that they told me they will let me know.Im still locked out of my account and I can't access my money I haven't been able to for 5 weeks now. This is ridiculous I've done everything they have asked and im still getting nothing to fix this.
Consumer complaint received 2021-08-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC. (FL)

XX/XX/XXXX I requested Forbearance due to my husband loosing his XXXX ( XXXX XXXX XXXX ) due to corona virus and my hours at work decreased then to make things worse my husband was diagnsoed with XXXX XXXX  XXXX lXXXX XXXX then later XXXX XXXX XXXX. I was approved for a 6 month forberance I then filed an application with my Mortgage company Homebridge to get a modification of the mortgage at which time I checked my online mortgage account and seen several letters which stated the reduced mortgage by {$100.00} kept me at the same intrest rate and extended my terms for 13 years, for a 6 month forbearance this so predetory I can not believe this is even legal. I contacted them several times they state thier system is down and cant give me information they have given me until XX/XX/XXXX per letter dated XX/XX/XXXX to make a decesion, short time to preasure me to make a decision. please help this should be illiegal in every way how could this be allowed to be done to consumers. Also if I do not accept this terrible offer they are demanding I pay XXXX XXXX dollars what I was behind for the six months as soon as XX/XX/XXXX or they will begin forclosure process. I have reached out to XXXX  they state they have received many complaints frsom Homebridge and other mortgage companies but they cant help I reached out to HUD impossible to get through and only if you qualfy for an attorney. Please help
Consumer complaint received 2021-08-19
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. (GA)

Transunion has the worst customer service ever I called to ask about a account I never seen before because I got a alert and the dispute department was rude and lied to me telling me that fraud department had no number to call and that I could not be transferred I was then hung up on and argued by a XXXX XXXX the supposed supervisor! I was explaining that I never ever did business with XXXX a collection account and do not have no knowledge of them!! I never had XXXX XXXX at all ever in my life!!!! Like what in the world is that company anyways?! The account say XX/XX/XXXX and it needs to be DELETED ASAP because it is not mine. DELETE XXXX  of my credit report ASAP
Consumer complaint received 2021-08-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NAVY FEDERAL CREDIT UNION (FL)

Thank you for taking the time to help out with this matter. I have been a NAVY FEDERAL CREDIT UNION member for more than 5 years and It saddens me that I may need to close this account due to my human rights and as a consumer, infringed on. I have asked NAVY FEDERAL to provide me with my ORIGINAL negotiable instrument, yet I was sent copies. I have sent a NAVY FEDERAL number certified letter, with return green slips. All have come back ; still no response. The goal was to find, verify and validate my current agreement, making sure I am paying for something that is not a tax or interest incurred, or my contract being sold days after my purchase. My negotiable instrument has been destroyed confirming with a NAVY FEDERAL representative phone call in XX/XX/XXXX. I have waited longer than three months for a response. While I wait, I still am faced with damages considering fraudulent reporting to creditors, stopping any transaction that needs my credit report. NAVY FEDERAL continue willingly ignore me, FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220, to not update inaccurate information on my act and to third party credit bureau 's, failed to respond to ALL of my letters, FCRA Section 611 Part ( A ) ( 1 ), and continue to misrepresent themselves and power. FDCPA Section 809 ( b ), FTC opinion letter XXXX  from XXXX. Under 15 USC 1692A, B, C, D, E, F, G, AND, J were broken. All in all, as a consumer my rights are still being infringed upon, my financial standing has taken a toll for now the worst due to this negligence.NAVY FEDERAL continues to claim they are the true lien holder, I have claims and evidence that I have no liens against my name. 
The solution I am demanding is back pay of lost finances, taxes, and interest incurred on my name from trades on my name, total closing of my account as well as my vehicle loan. on said account or totaling my loan out to XXXX $ as well as refund of all taxes, interest, incurred from trading on my name, IMMEDIATELY.

I thank you for your time. 
XXXX
Consumer complaint received 2021-08-19
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. (LA)

Hi! 


i would like to file a complaint om Chase auto, XXXX XXXX, XXXX  and XXXX  because theese companies are reporting inaccurate information to my credit report. 

On XX/XX/2021 my insurance company sent check in the amount of XXXX, paid the account off in full. On XXXX XXXX I received a letter and check in the amount of {$120.00} attached from chase auto stating the car loan was paid in full and that I overpaid the account and they were refunding me. 

In XXXX, & XXXX I paid my car note even though my insurance company had paid the account in full in XXXX because I was advised my a chase auto representive that Even though they did receive the check on XX/XX/XXXX that my account had to be updated and it would take serval weeks in which i found that odd. 

I have never missed a payment and this error has effected my credit scores bad. I have called all 4 companies and have been unsuccessful resolving this issue.
Consumer complaint received 2021-08-19
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. (CO)

I submitted a dispute for a 30 day late payment that was inaccurate from XXXX and the 3 credit bureaus. This bank failed to send me billing statements from XX/XX/2021 to XX/XX/2021 even after I canceled the elections statement XXXX from the Branch mananger talked to me and assured me i would get my statements watch did not happen. I received a call saying my payment did not go through due to an error from on their website for XX/XX/2021, I was told because of their error i would not get a late payment or a late free. I have never had a late payment with this bank and had perfect history. Once again I did not receive a billing statement on XXXX or XXXX so I call in and paid off the whole balance because they keep having issues with sending me billing statement and issue with their website. I was applying for a Loan In XXXX and was information they put a late payment on me when it was their error they did not comply with FTCTA Act where they are required to notify me the insertion of a negative listing .They did no such thing. ( FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( I ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described In section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

( B ) Time of Notice ( 1 ) ( I ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative Information to a consumer reporting agency described In section 603 ( p ).

( II ) Coordination with new account disclosures. If the notice Is provided to the customer prior to furn I sh Ing the negative Information to a consumer-reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth In Lending Act. The Bank did no such thing. I also have not head back from dispute from XXXX and ignoring my dispute all documents enclosed
Consumer complaint received 2021-08-19
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. (PA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 60 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 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: National Consumer Telecom & Utilities Exchange, Inc. (NC)

Today I sought to access my disclosure report from the National Consumer Telecom & Utilities Exchange by accessing the number on their website. There was no option to speak to a person except perhaps for those who are visually impaired ( which I am not ). Upon successfully verifying my identity on the electronic call service, I was told my disclosure report would be emailed to me if they had my email address on file. It is unclear whether they have my email address on file, or for example they would use this information that my utility companies have about me, and there is no option to provide this information for either a hard copy or electronic copy to be sent to me. 

If a service is being provided for the public good, it needs to be accessible. There's no use in telling me you provide free reports on my account if there's no way to receive it or even talk to a human to understand what's possible and ask questions.
Consumer complaint received 2021-08-19
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. (LA)

This account does not belong to me my wallet was stolen and these accounts were opened I have filed reports but these accounts are still showing on my report this is keeping me from getting a mortgage I have informed the company and all 3 credit bureaus of this multiple times
Consumer complaint received 2021-08-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act., 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ). You are falsely and misleading representations. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-08-19
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. (NC)

I file a dispute with Equifax after many attempts to have a collection from XXXX. XXXX removed from my credit report. I have never had an account with XXXX XXXX. When asking for proof of the debt from Equifax as the reporting agency they failed to provide the proof and sent me a letter stating all unpaid collections say on reports for 7 years from date of delinquent. 

This violates all of my rights under the FCRA as well as breaking the law. Along with their unfair practices of not really doing an investigation. I shouldn't even have to take it this far but I will because I do not owe anyone {$80.00} and will not pay for someone's errors
Consumer complaint received 2021-08-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (PA)

This " debt '' has already been resolved with the previous debt collector ( have letter confirming this ). 

Copying the verbiage from the previous challenge to this debt : " Validated with the lab that my insurance will cover the blood work. No Co pay or deductible was requested. The lab billed my insurance company, and my insurance company paid out the claim. The lab company then proceed to bill an additional {$750.00} for just simple blood work. This is outrageous. My credit history is clean, I pay everything on time - always, but I will not be paying for highway robbery. Please remove this from my credit report ''
Consumer complaint received 2021-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

The federal violation conducted pertains to the Consumer Protection Act whereas SquareXXXX failed To protect consumers from unfair or deceitful actions made against me by its merchant, XXXX XXXX. Also, my consumer protection was violated in the state of Texas in which a consumer complaint was filed. 

The merchant offered store credit for its consumers via website and refused to honor that for me. So as of today it has my products as well as charged me for the products. 
Prior to reaching out to you directly, I have taken multiple attempts with disputing this matter with my bank XXXX and the merchant lied and indicated that I have my products which I don't. 

Before I seek legal guidance from a consumer attorney and escalated this matter to the following entities CFPB, XXXX  and Texas Attorney General, I believe that its important for the entities to know the lack of accountability SquareXXXXXXXX has taken regarding my matter and not being careful as to know how merchants refuse to work with its customers after being suggested. SquareXXXX should have understood as a brand consumers are helping small businesses and corporations during these times of the pandemic and for consumers not to be ripped off with falsified policies. 

Also, SquareXXXX should acknowledge that the merchant should be held responsible for its Liability for Chargebacks especially after disputing with my institution. 

I attached the following images to support my dispute which shows the merchant having my products via tracking number, a screenshot of her website with the verbiage of " store credit only '', screenshots of her threatening me on social media, etc. 

Since then, I have reported this behavior as consumer fraud and theft to FTC as well Report # XXXX
Consumer complaint received 2021-08-19
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. (GA)

Transunion negligence is impacting my credit and I received the worst customer service of all time trying to get help remove a hard inquiry thats not mine. The supervisor XXXX XXXX literally argued me on the phone and was very rude. The last rep lied to me and said fraud SEO didnt have a phone line and had to wait 7 business days for a call back which was a complete lie. They use tactics to ignore my problem and make me wait to get off the call!! This company employees are terrible and all need to be reviewed they do not know law or policy and do not follow the FCRA!! I simply need this removed because I never did business nor did I apply. The hard inquiry that needs to be removed is from XX/XX/XXXX and its XXXX XXXX!! Delete ASAP
Consumer complaint received 2021-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

On XX/XX/2021 ( XXXX time ), I made a transaction with this " seller '' on XXXX using PayPal in order to purchase a digital good. As seen in the screenshots from my phone, you can tell that the seller scammed me and blocked me after I had sent him the money. Fortunately, I sent the money as goods and services on PayPal, therefore I was able to open a dispute on the transaction in order to get my money back. I honestly had no idea he was a scammer, all I wanted to do was to purchase a digital good. So after opening a dispute and working with PayPal to get my money back, PayPal sent me an email 7 days after on XX/XX/2021, saying I can no longer do business with PayPal as they have permanently limited my account because they found a " potential risk '' associated with it. At that time, my case on PayPal was still open, and I did not know why my account had been permanently limited. I sent a message to PayPal on their Message Center the same day asking for the reason because I knew for sure my intention was never to put my account at risk. But because they did not get back to me early so I decided to call them. The call was only 7 minutes, I talked to a PayPal agent and asked him for a specific reason, but he kept on saying that PayPal could not give me one because of their policy. I am the account owner and I think I deserve the right to know what happened and why my account was a potential risk. However, I still could not get a reason during the call. I then decided to wait for PayPal to get back to me through the Message Center. On XX/XX/2021, PayPal got back to me saying their decision was final ( as shown in the screenshot ) and still, I did not get a specific reason. I only know that PayPal consider my account involved in possible fraudulent or high risk behavior, but I have never once meant to do any of those. As for the dispute, PayPal says that I am refunded and the money will be transferred to my bank account, but I still have not received anything, I guess it is because PayPal is holding it up to 180 days.
Consumer complaint received 2021-08-03
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: CMRE Financial Services, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.