davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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: Stellantis Financial Services US Corp. (TX)

I was supposed to buy a vehicle from a dealer then we didnt reach an agreement regarding availability of vehicles and price The sales rep they were hiding the car that I wanted and tried to sell me different that I didnt like So I texted the sales rep and told them to not run my credit report anymore. 
But they kept doing it until they get me declined with my own bank whenever Ive found the best deal Now am getting denied everywhere because I have too many inquiries So I couldnt buy the vehicle that I wanted
Consumer complaint received 2023-07-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Virtual Assets, LLC (NY)

I am writing to file an official complaint against the website www.cryptodispenser.com for engaging in fraudulent activities and failing to provide any form of customer support. It has come to my attention that this website has scammed not only myself but also numerous other individuals out of their hard-earned money. Despite multiple attempts to contact their support staff, I have received no response via phone or email. 

On [ XXXX ], I deposited {$30.00} at a XXXX location , as instructed by www.cryptodispenser.com. I have attached a copy of the receipt as proof of my transaction. However, upon attempting to withdraw or send the funds, every transaction has resulted in a " failed '' status. This clearly indicates that www.cryptodispenser.com is operating dishonestly and intentionally deceiving its users. 

The lack of any available support staff is deeply concerning. The provided phone number never answers calls, and emails sent to their designated email address have gone unanswered. This complete absence of customer service demonstrates a blatant disregard for the concerns and issues faced by their users. 

I would like to emphasize that www.cryptodispenser.com is undoubtedly a fake and fraudulent platform. Their actions have caused financial loss and emotional distress to myself and countless others who have fallen victim to their scam. It is imperative that immediate action be taken against this website to prevent further harm to unsuspecting individuals. 

I kindly request that the you thoroughly investigates this matter and takes appropriate measures against www.cryptodispenser.com. It is crucial that they are held accountable for their fraudulent activities and compelled to refund the money they have unlawfully obtained from innocent individuals. 

Thank you for your attention to this matter. I trust that you will take swift action to address this issue and protect consumers from falling victim to www.cryptodispenser.com 's scam.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I wanted to close my Business checking account with Bank of America. Once again they are giving me hard time and not doing so. Bank of America is too big and too inefficient. Bank of America hardly employee good people - cheap and mediocre people working here. 
Called them on XX/XX/2023 to close the account. Chatted also. 
Apart from this raised CFPB complaint where some XXXX Bank of America employee sent me a secure email but when I asked to close the account she shamelessly asked me to call Bank of america customer service to send me in circles. 

I want this account to be closed. Called multiple times. Can't waste time to go to branch. this desperate Bank of america should not be doing scams of opening the accounts as mentioned here : XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

In XX/XX/2023 I went to XXXX XXXX at XXXX XXXX. They offered an store credit card and filled out an form. I bought {$50.00} in items. I never received an physical card. 
On XXXX, I received the payment statement per {$30.00}. I went to XXXX and I tried to pay that amount, but I couldn't make a payment because XXXX just receive cash, they don't accept debit o credit card. I just had {$25.00} in cash and payed off. Later in XXXX I paid {$25.00}, so I paid in full my own. 
In XX/XX/2023 I received an statement from XXXX in which I have to pay {$37.00} late fees, because I paid {$25.00} but not {$30.00}. Later, I received an statement per {$71.00}. I canceled this store credit card I called XXXX customer service, but they said me, they can't help me because I canceled that store credit card. However, I have to pay the total of {$71.00}, or the next balance will be charged and growing.
Consumer complaint received 2023-07-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (CO)

Lien on car title has not been released even though loan paid in full. Please send lien release to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX and email lien release letter to XXXX. Lien information on title : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX. This is the Speedy Cash location.
Consumer complaint received 2023-07-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

The XXXX XXXX XXXX XXXX has been calling my phone and sent me a letter in XX/XX/2022 stating that I owe them money from the debt I owe from Capital One. They have been calling my phone number ( XXXX ) XXXX XXXX. They use the number ( XXXX ) XXXX in contacting me several times and different times of the day too. They did not send me a copy of the validation of debt.
Consumer complaint received 2023-07-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MI)

I have tried to resolve and dispute this issue with Midland Credit Management numerous times via the various credit reporting agencies dispute systems ; however, they have ignored my statements and kept me in collections ; while having me incur interest on a debt that is not mine. 

They are collecting for a company called " XXXX XXXX  '' which I have never heard of - much less signed any contracts with. 

I have had my identity stolen at some point since I moved to Michigan - as false wages have been reported in various states - I have already reported this to the FTC as well as the FBI and various law enforcement agencies in the in the states in question. I am not sure ; however, if this account has anything to do with identity theft Regardless of the reason- I have never heard of or consented to do any sort of business with XXXX XXXX  or any of their affiliates.
Consumer complaint received 2023-07-18
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. (CA)

XXXX is decreasing my score without any reason or shame, my due date is XXXX and I paid before that it showed a {$240.00} balance and reduced my score The Equifax and the XXXX decreased my score without reason. I'm tired of this wrong report
Consumer complaint received 2023-07-18
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. (GA)

STUDENT LOANS ARE NO LONGER WITH XXXX  PER XXXX  ALL MY STUDENT LOANS WERE TRANSFERRED TO XXXX XXXX AND ALL 20 SEPARATE LOANS WERE PAID IN FULL PLEASE REMOVE XXXX OFF MY REPORTS OR WILL BE SUEING, CREDIT REPORTING COMPANIES ARE NOT INVESTIGATING, ESPECIALLY XXXX, KEEP REPORTING THE SAME INCORRECT INFORMATION, ATTACHING DOCUMENTATION ONCE AGAIN PROVING THAT XXXX DONOT HANDLE MY STUDENT LOANS & THAT ALL 20 SEPARATE STUDENT LOANS ARE PAID IN FULL WITH XXXX XXXX THAT HANDLES ALL 20 OF MY STUDENT LOANS, PROOF SENT BY XXXX.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NC)

I called chase regarding an application I submitted for an XXXX XXXX visa signature card. I got a letter stating I was denied due to an existing account ending in XXXX I explained to them that I have NEVER opened an account with chase or XXXX in the past. I was advised to call the card lending team to have the corrected and my application reprocessed I have called 7x been transferred to multiple different departments with NO resolution and it's extremely frustrating how hard is it to remove a fraudulent account that clearly isn't mine and reprocess my application. Shouldn't make a potiential customer jump through this many loop holes to get this corrected
Consumer complaint received 2023-08-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo loan modification is fraudulent I was called and said I had to be there at XXXX oclock to fill out paperwork or I lose my home. I further looked into the payments {$32000.00} is missing they said that it was back payment but I never miss a payment prior to or now on any payments. Also, on the modification they gave me theres a base payment theres no adjustment for principal payment only for the interest and when you do the math it does not add up.Been trying to straighten this issue out with Wells Fargo to no avail.
Consumer complaint received 2018-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Like I highlighted to Nationstar. Under the Florida Hardest Hit Program Loan Proceeds. The HHF Loan proceeds may be advanced by the lender on the Borrowers behalf for the fowlling purpose only. 1. Unemployment Mortgage Assistance Program ( UMAP ) To pay up to twelve monthly installments of principal, interest, and, if required under the terms of the Borrowers First Mortgage Loan, the Mortgage insurance premium and the escrow amount for taxes, insurance and homeowner association fees as applicable ( PITIA ). To not exceed {$24000.00}. 2. Mortgage Loan Reinstatement Program ( MLRP ) to reinstate the loan, that include mortgage insurance, escrow for taxes and insurance and homeowners association fees. Not to exceed {$24000.00}.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing to inform the Consumer Financial Protection Bureau ( CFPB ) about a distressing situation involving identity theft and inaccurate information on my consumer credit report. Despite my efforts to address this issue directly with the credit grantors and the three major credit bureaus, I have been unable to secure the removal of the fraudulent and inaccurate items from my credit report. 

As a victim of identity theft, I have diligently followed the appropriate steps to resolve this matter. I have filed a police report, reported the incident to the Federal Trade Commission ( FTC ), and provided all necessary documentation to support my case. However, despite my best efforts, the inaccurate and fraudulent accounts remain on my credit report. 

I have also directly contacted the credit grantors associated with the fraudulent accounts, as well as the three major credit bureaus, in an attempt to dispute and rectify the situation. Unfortunately, despite providing ample evidence and documentation, these inaccuracies persist on my credit report, causing undue distress and potential harm to my financial standing. 


I am committed to upholding the accuracy and integrity of my credit report, and I believe that your intervention will be instrumental in achieving this goal. I appreciate your attention to this serious matter and your dedication to safeguarding consumer rights.
Consumer complaint received 2023-07-05
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: SYNCHRONY FINANCIAL (GA)

I noticed 2 accounts reporting on my credit report erroneously. I have written both companies asking for a contract with my wet signature and to no avail have either company supplied me with an original contract with my wet signature. It has been 45 days since I've called and written these companies and there has been no response they are supplying this information to XXXX, XXXX, and XXXX. These illegal reportings are hindering me from becoming a homeowner. Please investigate these companies.
Consumer complaint received 2023-10-12
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: Crescent City Credit Recovery, Inc. (NY)

On XX/XX/2021 I 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 Im being take advantage of and ignoredonmydisputes.
Consumer complaint received 2023-09-07
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. (TN)

According to 1099-c i Never received any form to file with IRS concerning this charge off. Is reporting on my credit file ..Neither the creditor reach to me concerning the paperwork to file the Debt ..this Debt report back in 2020 which they in violation bye law
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

According to 1099-c i Never received any form to file with IRS concerning this charge off. Is reporting on my credit file ..Neither the creditor reach to me concerning the paperwork to file the Debt ..this Debt report back in 2020 which they in violation bye law
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

According to 1099-c i Never received any form to file with IRS concerning this charge off. Is reporting on my credit file ..Neither the creditor reach to me concerning the paperwork to file the Debt ..this Debt report back in 2020 which they in violation bye law
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NM)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-05-25
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2017-09-19
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: EQUIFAX, INC. (NC)

I have contacted Equifax on numerous occasions with the latest contact dated X/XX/2017. I keep letting them know that there are 25 inquiries on my credit report was not authorized by me. They tell me to contact the companies who initiated the inquiries but the few companies I did contact told me I had to contact the credit agency that are reporting the inquiry, and when I contact Equifax they give me the run around. They tell me these inquiries will stay on my report for two years. This is not fair, especially if I did not authorized these inquiries. I believe my credit account was breached way before Equifax became public about their systems being breached. I am currently trying to place a security freeze on my credit file from all 3 credit agencies and I am also currently in the process of consulting an attorney to help me deal with these matter.
I am attaching a copy of my credit report with the inquiries highlighted ( pages 61-65 ) ....
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 2016-02-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

AURORA LOAN SERVICE SOLD ME A PREDATORY HOME LOAN AND THE FOLKS IN A CLASS ACTION SUIT HELD IN MINNESOTA DECLARED THEM GUILTY ; SENT ME A NOTICE STATING SO WITH A {$600.00} CHECK FOR COMPENSATION. 
THEN THEY HAND IT OFF TO NATIONSTAR AFTER BEING ADJUDICATED FOR THEIR CRIME. PLEASE FIX THESE ERRORS AGAINST MY CREDIT. I LOST MY INHERITANCE MONEY TO THESE CROOKS. SHAMEFUL, XXXX.
Consumer complaint received 2024-04-02
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. (MI)

XXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information XXXX XXXX XXXX this account is listed as XXXX XXXX # XXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ( Banking ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account DEBT BUYER On XXXX this account is listed as XXXX XXXX XXXX XXXXriginal creditor : XXXX XXXX XXXX  XXXX XXXX XXXX, Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. 


As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & XXXX CFR XXXX - Responsibility for accuracy, completeness, currency, And integrity.i am asking that inaccurate accounts be removed Immediately
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I repeatedly called Equifax, finally getting to a live person on XX/XX/2023. I explained that my address was wrong ; thus preventing me from obtaining credit and/or accessing my account. Additionally, Equifax would not respond to TWO PREVIOUS disputes via letter suggesting that my account had been flagged for possible fraud. Upon the advice of Equifax, I disputed my address and they replied that they verified my address despite copies of my the aforementioned credentialing.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-04-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CATHAY BANK (NY)

Commencing on or around XXXX XXXX XXXX, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Cathay Bank account to the fraudulent investment firm.