davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

To the attention of the CFPB : We are writing to complain about a situation with our bank, Chase, where we have been clients since XXXX of 2017, having both a checking and savings account and maintaining a balance of about {$80000.00} normally. During these four years we have always made the same use of the account : to receive our income and pay utilities, mortgage and household spending. 

In this time, we never had any alert from the bank for any type of suspicious or fraudulent transaction. We have excellent credit scores and have never been involved with any type of collection agency nor have had financial problems of any kind. 

This past Thursday, XX/XX/XXXX, my wife, who is currently unemployed, received a message from the FL Department of Employment Opportunity ( DEO ) explaining that her benefit payment had been rejected by Chase bank where we have direct deposit. The following day we called XXXX to ask if there was any problem and why the payment was rejected, to which they replied that there were no issues and that there was not cancelled transaction from the XXXX. On Saturday XXXX, we saw that my paycheck that should have been deposited on the XXXX wasn't posted in the account. Also, we discovered that we couldn't make any purchases with our debit cards. 

We contacted XXXX on Sunday afternoon and they informed us that we needed to speak with the Fraud department on the following day. Upon calling that department the following day, we were told that our account was being frozen and closed, that the decision was final, and that they would not disclose the reason for their decision. They also informed us that we would be issued a cashier 's check for the amount of our balance within 7 to 10 business days. 

Because we were concerned about a potential case of identity theft or fraud we have reported this incident to our county sheriff 's department and there is a case open. 

XXXX did this to us without any previous notice without us engaging in any malicious conduct that would motivate this decision or treatment. We understand that the bank can close our account, however, they have put us in a negative situation because they have rejected our paycheck, unemployment benefits, bounced checks ( potentially damaging our credit ) and we had to borrow money to make our credit card payment and cover our basic needs. 

We don't know what has motivated this action on their behalf, but being good clients of XXXX for four years we would expect that in the case of any suspicious behavior they would make us aware of the situation so we could protect ourselves. Instead, the bank has caused us significant stress and moral damage. 

As a result, we would like to file a complaint, not only for the mistreatment and misinformation with respect to potential fraudulent usage of our identity, but mainly because we have never signed terms and conditions that allow XXXX to hold our funds without any justifiable reason. 

Sincerely,
Consumer complaint received 2022-03-17
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. (MI)

in accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

XX/XX/year> XXXX dollars for cash advance of XXXX Or a 56.7 % charge fee and XXXX cents for transaction fee? Totalling over 59.59 % in fees. 

Why are you even charging me the transaction fee if you are going to also charge me a cash advance fee. 

Apparently a few years ago citibank changed their terms and conditions without notifying customers and started charging cash advance fees on XXXX purchases. 

I checked and a few class action lawsuits were initiated. 

For now any transactions on mobile paying app XXXX is classified as a cash advance. 

This is ridiculous and abuse. I also understand charging XXXX % fee but 56 % is outlandishly a abuse and scamming customers. I urge cfpb fine and ban this practice of going behind customers and charging these fees when it should at most be XXXX % of purchase. 

We need to stop these abusive practices. Fees upon fees for doing nothing of value and changing terms and conditions without our knowledge or consent just because they sent the changes does not mean we agreed to it. 

Removal of these predatory practices is desired
Consumer complaint received 2023-03-02
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2017-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Coast to Coast Financial Solutions, Inc. (OH)

Coast to coast has a negative remark on my credit report. I just paid off that account, via   XXXX   XXXX  . It was written off and sent to coast to coast, previously.. I am NOT paying the same bill twice. This account needs to be removed from my credit report. I can forward any proof necessary, as to show that the bill is paid off. On my credit report it shows it was opened in  XXXX  or sent to coast to coast,   XXXX   XXXX   actually informed me that this account was written off back in  XXXX  of   XXXX  . Coast to coast has it written on my credit report, that it 's been recently opened in  XXXX  of this year. That is false. I want this removed immediately, as it 's paid off. Or i will seek legal action. I am attempting to repair my credit report,  one bill at a time and this needs to disappear off my  credit report.   XXXX   XXXX   has reopened my trash removal service. I 've asked to have this negative remark, taken off my credit report, and they refuse to do so. It 's also really hard to get hold of a representative from the actual company COAST TO COAST. Any mail automatically goes to a   XXXX   XXXX    which tells me that this third party debt collection agency could be fraudulent.
Consumer complaint received 2024-04-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: LOBEL FINANCIAL CORPORATION (CA)

I filled a report last XXXX because this car dealership sold me a lemon car had many problems after I had 3 months with it the shop screwed me over and sold me a car that had multiple problems and lobel finance company finances this car and they keep contacting me about this when the car already got repossessed I let it go. I dont u destined why they keep contacting about owing money on a car I let go and they XXXX XXXX XXXX  for.
Consumer complaint received 2023-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thaxton Investment Corporation (GA)

XXXX  Last reported XXXX XXXX XXXX XXXX
Open balance
XXXX  COVINGTON
CREDIT
Original creditor
XXXX  Opened
Account status
Type
XXXX XXXX
Original creditor name
XXXX XXXX XXXX (3 mos)
Consumer complaint received 2023-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX : # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX, line of credit 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NY)

I checked my credit report yesterday ( XX/XX/XXXX ) and noticed I had an account in collections from a Cable company from back in XX/XX/XXXX. I was not aware of the balance so I called the Enhanced recovery company to see what was going on. They advised me that they were sent the bill back in XX/XX/XXXX. This company has not made any attempt at contacting me to let me know I had a bill in collections but they proceeded to place this delinquent bill on my credit report without my knowledge. When I spoke to the agent at ERC she told me they had a phone number on file that I have not had for 6 years and they have not made any attempt on mailing out any type of correspondence. I asked if this could be removed from my credit report and I will pay the balance but the agent told me no. I am extremely frustrated by the fact that Ive been working so hard the past last year to improve my credit report and this company can just ruin the progress that I have made without even letting me know I had a balance due in collections! I would have paid this if I would have known. The manager I spoke to was very condescending and patronizing, she told me to file a dispute and when I asked will they call me back with an update she said, Were not going to call you back but you can feel free to call us if you want. This is totally unacceptable. I need this balance removed as soon as possible.
Consumer complaint received 2024-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kovo (OH)

In XXXX of XXXX I noticed this fraudulent account on my credit report I immediately notified the company that it was not mine Ive tried several times to work this out with the company requesting proof of the application along with my signature associated accounts etc The company has been reluctant to provide and data or documentation supporting this account
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I do NOT give any Credit reporting agencies to give my private information to any other 3rd parties or permission to collect my private information ( per 15 US Code 1681b ( a ) ( 2 ) _permissible purpose- I did not and will not give written permission for any credit reporting agency to furnish my consumer report ). But XXXX XXXX is still showing on my credit file ( No consent is Identity theft ) XXXX XXXX reporting many incorrect and non matching information including : -still reporting an open account as of XX/XX/XXXX. XXXX. But has admitted the account was transferred in XX/XX/2023 -communicating In last/recent CFPD complaint that I owe 1 month payment. But I have a statement asking for 3 months payment -saying I owe 1 month payment, but recently reported to credit bureau that my account as up to date for all payments Also Equifax received original complaint XX/XX/2023, but did not give a response in the lawful XXXX timeframe in which anything not verified within the XXXX is to be deleted.
Consumer complaint received 2017-05-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (FL)

TCF BANK I have sent extra payments in  XXXX  totaling {$1600.00} but is not reflecting on the mortgage statement.      XXXX / XXXX /  XXXX   {$550.00}  XXXX / XXXX /  XXXX   {$550.00}  XXXX / XXXX /  XXXX   {$550.00} Why is the new statement {$620.00}? Where were the extra funds applied?
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Bakkt Opco Holdings, LLC (MI)

I am not able to get into my Bakkt account. I have reached out repeatedly to be allowed in XXXX time and not again the next time. This is very frustrating. I am allowed to put money in the account. To buy cryptocurrency and add reward points as well as gift cards but when I go to enter account again it says my device is not safe. This is very irritating. Let me in my XXXX account
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (MI)

I opened a Coinbase ccount when Coinbase began. I am continuously locked out of my account for one reasoning or another. This time I have not been able to access my account since XXXX. I have sent email after email to their support. I have called. I even opened a Coinbase wallet to try and access my funds that way but to no avail. I am fed up. They say no two factor authentication, to which I even sent them what they asked for ad copy of my driver license. Nothing. I'm still locked out. I can not see my balance which was at over {$500.00} in XXXX. This is not fair nr right. I shouldn't have this problem accessing something of my own.
Consumer complaint received 2024-04-20
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Paypal Holdings, Inc (NY)

My XXXX business account was hacked, they inserted a new downstate NY address and had laptops sent there, we are upstate. PayPal paid the seller, we stopped payment from our bank to PayPal so we have a - {$3800.00} balance at PayPal. We did everything they asked us including a police report. Its been months fighting between XXXX and PayPal. XXXX says theres nothing they can do because I opened up the dispute with PayPal and its up to the financial institution but PayPal ruled against us and is demanding {$3800.00}. Now our account is closed and Im in PayPal collections. PayPal says I need to pay the balance and only then can I reopen the dispute online. Weve been doing business with XXXX and PayPal for XXXX years without a problem until this.
Consumer complaint received 2017-10-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK (NJ)

My online/web account with Discover Student Loans has been limited for several months now - apparently due to problems they are having with an upgrade ( or so they tell me ). Every time I log on to the online system I am greeted with these error message : " Access to your account is limited at this time. Please call customer service at XXXX for further assistance. '' " Due to system maintenance your Account Center payment history may be incomplete. We are currently working to resolve this issue. We anticipate the issue will be resolved in a few days. In the meantime, for complete payment history, please see your monthly statement ( s ). We apologize for any inconvenience this may cause. '' These website issues prevent me from paying my monthly loan payments online, downloading copies of my monthly statements, and seeing other pertinent and important information related to my loan. 

I have tried to contact Discover Student Loans numerous times via phone, chat, and their online messaging system and keep getting useless responses - from they are working on it, to generic form responses that do n't even apply, to some of the representatives I spoke with not even being aware of the issues. I have sent numerous emails to senior managers/executives and they have not responded. I have requested that they suspend my monthly payments ( and interest accumulation XXXX until they can get their act together and fix this, but they have not done so. I have been forced to waste time making payments via phone calls and do not feel comfortable continuing to do so.
Consumer complaint received 2023-06-22
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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-06-22
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 called Equifax to remove the inquiries that were not authorized by me and was told to call the company who created the inquiry in which I have already done so. I requested the following inquiries be removed as it is erroneous : 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, XX/XX/XXXX Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (ME)

I had an auto loan with XXXX XXXX XXXX. I made a payment late and the company reported it to the three major credit reporting agencies. I paid off the loan several years ago, but the negative items continue to be reported to the credit agencies with no date of removal listed. I believe the negative item should have been removed from my credit reports by now. 

I have tried to resolve this problem with XXXX XXXX XXXX directly however the company ignored my request.
Consumer complaint received 2023-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


Every other credit report agency has stop reporting these accounts cause its fraud and the information reported is incorrect