davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

please see attachments for my identity theft report and i would like my personal information updated to the following because reasons of inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX
Consumer complaint received 2024-02-05
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

***not duplicate /// new concern XXXX CDR dba Genesis contacted me without regard to my noted cease and desist ( see attached screenshot of call from XXXXXXXX  ). 

Also, when I phoned in on my own, I was initially told I owe XXXX but original creditor has waived XXXX of fees and instructed Genesis of such- why arent my credit reports updated? Why is Genesis attempting to collect a debt XXXX XXXX larger than what is owed.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am not able to retrieve my credit report in any way. I have tried using AnnualCreditReport.com along with XXXX XXXX, and I continually receive one of the following errors : " A condition exists that prevents XXXX from being able to accept your request at this time. ", " Unable to Complete Your Request Online '', or " Please give us a call ''. 

Upon contacting the relevant credit reporting bureau, the support agent is never helpful and I am repeatedly informed that nothing can be done. 

This is simply unacceptable behavior and it needs to be rectified immediately.
Consumer complaint received 2022-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (MI)

The company, Planet Home lending contacted me to let me know they did not receive a payment for the month of XXXX. After contacting my bank, XXXX, it was determined that the check was sent to an older address that the company had. In essence I continued to send my check to the same PO., however the company had moved and I was not notified. I am being charged a late fee of {$31.00}. In discussion with the rep. I would have to find the money to pay today or a note would be made to my credit score. I did have to call my bank, stop the check, pay the statement again. This is predatory!
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OK)

I have addressed this dispute on XX/XX/ with XXXX, XXXX, Experian and to no avail neither have resolved this after receiving my documents. Which is why I'm attaching this complaint as told by the credit bureas
Consumer complaint received 2024-02-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (CA)

I collected a payment via square six months ago. My account was immediately shut down. I requested the release of my funds and Square said the funds were on hold for 90 days then they would release. 90 days has turned into 6 months and they have refused to give me any information. The only thing they say is that an email will be sent to me. And there is no email or resolution. I have called the customer service and special department that deals with this problem and they all end up just hanging up on me. Or they transfer me to a voice recording that says an email will be sent and the machine hangs up on me. At this point Square has been in possession of my money for XXXX months. It is not their money. They haven't done anything to resolve the problem. They haven't tried to verify with the sender. They have left me with no other option but to publicly sue them. I don't know how anyone uses this company.
Consumer complaint received 2022-02-26
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)

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.
Consumer complaint received 2022-12-09
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. (CA)

I recently disputed invalidated accounts on my consumer report with and the investigation did not fix any of the errors nor was I provided any proof of these alleged debts.
Consumer complaint received 2024-02-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (OR)

As I received your reply via CPFB, it does not look like you are going to provide what I need to solve this case. Here I will submit it again.

Hello, thanks for reducing the amount. However, I think I made the point simple and clear. I have disputed this via XXXX 8 times. I contacted you for getting more proof for this debt a couple months ago. I sent a follow-up email to your company regarding the proof, I don't get response yet. It looks like XXXX XXXX is not capable of providing the proof that I requested. That's why I made my point in the complaint - " they should've contacted me about the maintenance issue within 30 days after I moved out. Not sending my information to your company a year later. ". So let me make it clear here again : From the document you sent : Stove, refrigerator, dishwasher, toilets, bathroom sinks, miniblinds left filthy. Walls very dirty, required full paint. Water leak not reported by residents caused serious mold & damage to kitchen wall & countertop. Required full replacement of countertop, sink & faucet. Partial wall replacement Please provide photos that you took before you repaired these issues. I also have photos right before I moved out, so we can compare. And this does not make any sense, correct me if I am wrong : XX/XX/year> Cert. Mail Fee Certified Mail Fee to mail deposit disposition XXXX XXXXXX/XX/year> Security Deposits Security deposits from holdings XXXXXXXX XXXXXX/XX/year> Pet Sec. Deposit Security deposits from holdings XXXX It says in the document you sent, you charged me {$15.00} for sending my deposit via certified mail to me, and then you hold both of my security and pet security deposit. So what deposit you have sent to me via certified mail? In conclusion, please send me the photos as the proof/evidence of debt I request above, I think it's the most straightforward thing to do. If you are unable to provide the proof or evidence that these were caused by me, please remove this account from the credit bureaus.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX SSN : XXXX DOB : XX/XX/XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXXXXXX GA XXXX XX/XX/XXXX Dear Equifax I see that you verified the account listed below : XXXX XXXX XXXX XXXX : Account number : XXXX, Unfair. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Unfair. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Unfair. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Unfair. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2023-09-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IN)

Ive tried disputing the debts because the debts are not mines. They are coming back as verified when I also have an identity theft on all 3 of my credit bureaus. I have tried explaining that it is not mines but they always tell me to contact the other people that reported the debts.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2022-02-25
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: Experian Information Solutions Inc. (SC)

I AM THE NATURAL PERSON, CONSUMER AND CREDITOR. XXXX, EXPERIAN, AND XXXX BROKE THE LAW PURSUANT TO 15 UXC 1681b ( a ) ( 2 ). I NEVER GAVE THEM WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE 5 NEGATIVE REPORTING TRADELINES AND 3 CLOSED ACCOUNTS THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT. I WOULD LIKE TO STATE THAT PURSUANT TO 15 USC 1681 ( a ) ( 1 ) THAT THE BANKING SYSTEM IS DEPENDENT UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING XXXX, XXXX AND EXPERIAN TO REPORT THESE IN ACCURACIES IT HAS CAUSE TO ME TO LOSE ALL CONFIDENCE IN THE BANKING SYSTEM. AS THE COMSUMER CREDITOR AND NATURAL PERSON ANY NEGATIVE REPORTING ON MY CONSUMER FILE WILL CAUSE UNJUST FINANCIAL HARM AND DEVASTATION TO MY GOD GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE ONLY MOST HIGH GOD.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (VA)

I closed my Estate account with Truist as required before submitting documentation to the Commissioner of Accounts. When I logged in to print some checks I needed they are no longer available. I only had online statements and records and when I closed the account they removed the history. They said opening the account back up is not an option and I can only get copied of the checks that I need if I pay {$5.00} per check. This is very deceptive as I elected for online statements, when you do a search it says they are available for 5 years. I should have access to my data and financial history, the bank should not have the option to remove all my history and then charge me per item to access it.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX
Consumer complaint received 2024-02-05
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (AL)

cfpb, chase bank has announced that they are not going provide tax statements by the Federal Law deadline ( XX/XX/XXXX ). 

see for yourself ; https : //www.chase.com/personal/tax-statements/investments/tax-forms-mailing-dates THEY DO THIS EVERY YEAR! 

cfbp needs to stop this predatory XXXX XXXX XXXX ( redundant ) from doing this EVERY YEAR and pay fines to consumers when they dont. 

I am requesting {$1000.00} for this ongoing predatory behavior whats the point of me writing this? 

cfpb is obviously getting bribes from chase to avoid this deadline. 
like i said this is ONGOING issue and you dont do anything about it. 

cfbp is as corrupt as chase please enjoy your undeserved paycheck ( how could you not? )
Consumer complaint received 2024-02-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MO)

Credit collection services I never had a. Account with them and would like to report there saying I do committing fraud spoke with representative there could not verify debt been 2 years said they will fix the problem and still reporting negative on my credit report which is false and incorrect and would like this matter fixed asap.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (GA)

According to Ssi XXXX a direct deposit of {$620.00} was posted XXXX XXXX  to my chime account ( XXXX  )... However I have yet to receive my funds..I provided chime with the trackung number and date which I received from SSi XXXX of the Posted direct deposit... Chime is stating they have no records of my funds..
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (IL)

Commencing on or around XX/XX/year>, I fell victim to multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Crypto.com did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Crypto.coms custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Crypto.com promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Crypto.com was in compliance with its own policies and procedures ; ( v ) whether Crypto.com owed duties to myself, what the scope of those duties was, and whether Crypto.com did not uphold those duties ; ( vi ) whether Crypto.coms conduct was unfair ; and ( vii ) whether Crypto.com has within its power the ability to, and should, compensate me for the harm that has befallen me. 
Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity, and properly communicate to the customer that such activity meets the relevant criteria of fraud. 
In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, Crypto.com must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. 
The financial institution must have known or reasonably ought to have known that I was dealing with a scammer.
Consumer complaint received 2024-02-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (KS)

This is the original e-mail, I was not able to attach the .pdf. 

XXXX XXXX XXXX Mon XXXX XXXX Dear Customer It is expected that this charge will appear on your statement within 6 hours as payment to COINBASE INC. Please read the details below and feel free to ask us any questions you may have regarding this purchase. 
Best Regards XXXX XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The attachment states Dear client, Username : mine was used You have successfully sent of {$380.00} to your btc wallet.

This is an invoice for your recent purchase through XXXX This charge will appear on your statement as payment to COINBASE INC. within 6 hours. 
Please read the details below and feel free to ask us any Questions you may have regarding this purchase. 
-- -- -- -- -- -- -- -- -- There is much more to this professional looking invoice, I stopped above as the rest are blocks and amounts.
Consumer complaint received 2023-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (FL)

I inadvertently paid {$3000.00} to Chase rather than XXXX on or about XX/XX/XXXX. I realized the mistake on XX/XX/XXXX and closed Chase customer service and was assured the payment would be reversed and it would take 2 days. It didnt happen. I called again on XXXX and was transferred to the payments dept and told it takes 10 days and due to the holiday, my money would be back in my account on XXXX. It didnt happen. I called again on XXXX and a payment supervisor named XXXX was beyond rude and told me it would XX/XX/XXXX as they hadnt received the payment until XX/XX/XXXX. She then hung up on me. This is contrary to what every other person told us. I immediately called back and spoke to supervisor XXXX who said that no refund had been initiated and it will now be XXXX business days. 
We were in vacation during this ordeal. Upon our return, there was a letter in our box dated XX/XX/XXXX indicating that the payment has been adjusted. 
I need my money asap as they have had it for nearly 3 weeks and no one seems to know or care how to correctly proceed. 
Thank you in advance.
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (DE)

XXXX XXXX XXXX account # XXXX. I am not liable for this debt and do not have a contract with XXXX XXXX XXXXXXXX. They did not provide me with the original application I requested. 

XXXX XXXX account # XXXX. I am not liable for this debt and do not have a contract with XXXX XXXX. They did not provide me with the original application I requested.
Consumer complaint received 2024-02-05
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (VA)

I contacted Nelnet by letter, on XX/XX/XXXX asking for debt validation. I also contacted them on XX/XX/XXXX by email asking them for a debt validation again. They emailed me on XX/XX/XXXX ( 66 days ) stating that they receive my initial letter. As outlined in the fair debt collection practice I have a right to request a debt validation. nelnet failed to provide me with debt validation within the specified time ( 30days ) from the initial contact by letter.