davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (OH)

Every day multiple time a day chase bank credit calls me. I've gotten to the point I don't answer unknown numbers because the calls came from different numbers. I've spoken to the rep. I've informed them of my situation and why I'm behind and verbally reinforced that when I have the money to repay them I will but until my pua appeal and non fraud overpayment gets approved I have no options right now because all my income was taken when pua document didn't get submitted in time. The verbal agreement to try to pay by the 1st didn't stop them from continuing to call multiple times a day wether I answer or not. It is causing me so much stress it's unreal. I know what the issue is and agreed to make it right when I can but they won't stop calling every day.
Consumer complaint received 2023-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

I have an account with Coinbase which I have held for many years. In early XXXX I tried to withdraw funds from the account. The Coinbase system came back with a message that said my account was restricted. I can deposit funds into the account. I can purchase additional products. I can't withdraw any funds. After 4 weeks and several attempts to send my ID over the secure link they are providing they continue to say they can read my ID and will not unlock my account. This has been going on since XX/XX/2021 and continues to today. 
THIS IS THE MESSAGE I GET BACK FROM THEM ( ) As we've checked your documents, it appears that you were able to upload your ID Selfie successfully. However, it seems that the ID you uploaded shows as blurry and we're unable to read it on our end. ) The case number is XXXX
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (WA)

AMEX XXXX I have requested mediation per the cardholder agreement. Not mediation through one of their customer service reps or one of their lawyers who have no interest in their cardholders. A third neutral party. 

I had a simple request, don't charge me for my own XXXX assault, AMEX did anyway. These 'businesses '' are running XXXX trafficking, drugs, and fraudulent receipts like it's just easy money because it is. 

If it were not for law enforcement and the ability through the CFPB to put this into writing, consumers would have ZERO protection. 

This company charged me money for a XXXX XXXX on their card, and they're fine with that. No problem. 

I have said I am filing assault charges with the police. That isn't a threat, it's my legal right. It hasn't happened yet, only because I'm in XXXX and this happened two years ago in XXXX. And now because this company demanded six thousands dollars in payment for a XXXX, I have to but my own ticket back to Texas to start this misery all over again. 

Too many consumers are getting financially destroyed from activity in these places that is flat out AGAINST THE LAW. And they are sending XXXX trafficked victims outside these places to drug men, to fraud the cards, and then demand money by force if they don't hit their quota. 

We just wanted to move on with our lives and not be ripped off or have our lives destroyed. But this company has humiliated someone beyond what is acceptable even in a company existing for profit. They made my family pay for my own XXXX assult. 

That's the final straw. It's disgusting I should even have to assert this. I want a third party mediator before I get on a plane and go the cops. 

I want to talk to a third party. I want to resolve this before it goes to law enforcement, but I don't want to talk to anyone working directly for AMEX. It's a waste of time.
Consumer complaint received 2021-10-01
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. (NC)

XXXX, XXXX, XXXX, This is a serious matter. 

I am expecting you to act with my authorization to immediately remove and adjust the credit report in my name with entries that do not belong to me at once! 
Please see the attached complaint!
Consumer complaint received 2019-11-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (OH)

# XXXX with Santander consumer Usa XXXX XXXX XXXX on XX/XX/XXXX XXXX : XXXX XX/XX/XXXX began 1st monthly payment of {$310.00} I file a complaint against Santander Consumer Usa because i think this bank has been unfair and misleading against my loan and my credit report. 
First when i realize that the rate was very higher ; the same day XX/XX/XXXX, i try to return the car but the dealer ( XXXX XXXX ) refuse to take back the car. And since then i keep paying and dealing with a bizarre and unprofessional company Month ago, I was very surprise after calling to request the status of my loan and their customer service told me that " i have request an extension in XXXX '', that's why my loan have been extended. I never request any extension on my car loan. Since i get a loan from this bank, i used to have bad experience and i never complaint against that. But this time, they are going so far to use unfair practice with my account and without any clear explication It's unethical and very shamefull.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX FXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX, ACCT XXXX XXXX XXXX XXXX, ACCT # XXXX XXXXXXXX XXXX, ACCT # XXXX XXXX XXXX XXXXXXXX, ACCT XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-26
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. (NJ)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paul Michael Marketing Service (NY)

PAUL MICHAEL MARKETING posted some random collection on my credit report. I called and they seem to not have any information. We are in the process of selling our home and moving into a new one and I got a 60 point drop out of nowhere. I pay my bills and have perfect credit and these criminals will destroy your live with their manipulative schemes. I will sue for damages if this is not deleted immediately from my credit report. 

I do not have an account number.
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2021 I was a victim of credit card fraud what I believe was done through XXXX. Bank of America 's voice automated system called me to verify someone was attempting to add my card to a different phone. After being prompted to decline this activity my account was compromised anyways and was charged a total of {$1200.00} in fraudulent transactions. 

After disputing these transactions Bank of America decided that a transaction of {$210.00} from a XXXX in XXXX, XXXX would not be credited back to me because there was enough evidence to prove I had done it being that I shop there frequently. I live in XXXX, XXXX  and would like to bring up the fact that this was an in store purchase. Bank of America did not do its due diligence in protecting my accounts and is not completing their investigations thoroughly. Because there is no PIN number associated with credit card and my signature was not compared rightfully to the one used during purchase, I was not given a fair investigation and thus am decepted by Bank of America. 

I have called numerous times to resolve this issue with Bank of America but they continue to reopen my dispute and find it not in my favor causing it to effect my credit score negatively.
Consumer complaint received 2022-08-26
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: Santander Consumer USA Holdings Inc. (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-03
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. (FL)

I am writing to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the name of the company below, and the dates the inquiry was made. 
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 2021-10-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (FL)

I received a voicemail from XXXX XXXX with XXXX XXXX XXXX ( XXXX ) today regarding a 2002 credit debt. I was informed by XXXX XXXX that I was in danger of being sued in civil court if I did not pay the {$6000.00} debt or in the alternative, pay {$2000.00} as a settlement but in monthly installments of {$290.00}. The woman had the last four of my ssn, my birthdate, my current address, and had also called my mother and father.

I was emailed legal documents to sign via Docusign and this made me suspicious. I shouldve followed my instincts sooner and could kick myself for paying these creeps {$250.00}.

After researching the firm, I discovered that their address leads to a XXXX store in California and this was another red flag. I read other peoples similar experiences and they mirrored mine. I emailed them back to never charge my card again, that I would not be signing any documents, and that I contacted my attorney. Be very cautious with people like this. They will use your personal information and legal threats to get your money.
Consumer complaint received 2021-10-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (CT)

While submitting my information for financial business dealings, a delinquent claim popped up on my credit report. Credit Acceptance Corporation located at XXXX XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX, marked on my credit report this month, XXXX of XXXX, that I was delinquent on my account that was paid off and closed in XXXX of XXXX.
Consumer complaint received 2022-05-26
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. (NJ)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-10-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, Yesterday, on XX/XX/24, I have received a notice from your branch addressed XXXX XXXX XXXX, XXXX, DE XXXX, regarding card ending XXXX with case number XXXX. After checking my banking account online a few days ago, I could not find out similar case number, I would like you to investigate this case number itself same as other case number C- XXXX. 
Sincerely,
Consumer complaint received 2021-10-01
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: CITIBANK, N.A. (NJ)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the companies and the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CITI XXXX CITI XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-10-01
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: DISCOVER BANK (NJ)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the companies and the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

My client has been trying to do a short sale however his tenant has not been collaborating. Actually she does not want anyone in the home because she wants to purchase the property herself. If you can send something in writing that tenants or previous tenants can not purchase the property that would be great. Anyway my client had to hire an attorney and go to court. Her lease expired in  XXXX  and she did not get out of the home! The judge gave her until  XXXX   XXXX  to move out but she is not collaborating with showings. I have another chase short sale and I know that it has to go through the modification process first before it goes to equator. Is there anyway you can start reviewing our clients paperwork while the tenant moves out and we can get you an offer?
Consumer complaint received 2022-05-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Recovery Solutions (TX)

A company called United Recovery Solutions is continually harassing both me as well as my family members saying I took out a loan with XXXX XXXX XXXX in XXXX ( I did not ) for {$5000.00} dollars and if I don't pay them {$700.00} today they are going to freeze all my assets and serve me with an arrest warrant in the next 1 to 3 days. I have explained to them I did not take out a loan and if they are going to serve me please do so and quit calling me and my family members with threats. They continue to call just now they called 3 times in a row demanding I give them the {$700.00} today. Again I have told them to serve me as I do not owe them any money and I will take the papers to my attorney as soon as I receive them.
Consumer complaint received 2021-10-01
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. (TX)

I am filing this complaint because I have sent everything needed to remove this fraudulent collection and unknown inquiries off my report to Equifax. I sent a letter on XXXX XXXX and they refuse to delete. I know my laws and know per 15 USC 1681c-2 stating any fraudulent information must be blocked within 4 business days and this still hasnt been done. I also followed up and called Equifax 30 days after and they claimed they never got my letter so I faxed it in again. They then sent letters claiming items was verified without any back up documentation. I called equifax about 60 days from XXXX and they still havent sent a letter letting me know how they verified this collection agency or inquiries and I have already notified the creditor of the inquiries and they said they cant delete anything because equifax houses the info. Also sent a letter to XXXX XXXX which is a unknown account showing on my credit report and they failed to respond. This is a obvious failure to comply. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. This is something I can and will take to court if I need to. I AM REQUESTING UNDER FCRA 605B THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT. 

Account : XXXX XXXX XXXX Account number : XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Thank you I am expecting a response asap because I already feel like Equifax is taking advantage of me and ignoring my requests. I dont have any accounts on my equifax credit report tied to these inquiries I need them deleted.