davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (VA)

Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).
Consumer complaint received 2022-05-30
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. (TX)

In accordance to the Fair Credit Reporting Act, 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.
Consumer complaint received 2024-04-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Coinbase, I started filing complaints on XX/XX/XXXX. I can not withdraw money. Transfer money to a wallet or even add more money. All my accounts are frozen in there. I filed over XXXX cases. All you ever do is say it's gon na be escalated. This has been going on since XX/XX/XXXX. Still no action.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX 30 days late in XX/XX/2020.
Consumer complaint received 2019-06-27
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: College Loan Corporation (TX)

On XX/XX/XXXX, I received a copy of a promissory note from the organization XXXX for a Federal Stafford Loan from XXXX. The personal information on the document is either irrelevant or fabricated. XXXX was able to garnish my wages without contacting me. 

On the promissory note, the information provided is completely fabricated and uses my maiden name ; I legally changed my name in XXXX. I lived in XXXX - XXXX XXXX - from XXXX to XXXX, at which time Federal Stafford Loans were taken out in my name in XXXX, XXXX, and XXXX. Additionally, the information connected to the two references is not even people I am connected with. The mailing address, phone number, and email address are fake. According to XXXX, the loan was disbursed to the University XXXX XXXX ; however, the University XXXX XXXX states that they do not have a record of the disbursement. 

In closing, a loan of {$21000.00} was taken out using inaccurate and fraudulent information connected to me ; the only information which is correct is my birthdate and social security number.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

hello I was due to begin paying a loan for the total amount of {$2000.00}, with the first statement being billed on XX/XX/22 for {$170.00}, a private loan through XXXX XXXX and ECSI. The email in which I was receiving notifications on was hacked at the time and I did not have access to the notifications being received as well as the mails being sent to the wrong address. Given the unprecedented pandemic situation related to student loans, and unclear communications constantly changing, I was under the impression after not receiving clear communication that all of my loans were under the federal deferment related to XXXX. These loans were subsequently late by 2 months due to the miscommunication rather than my inability to pay the loan in full, one on XXXXXX/XX/22 and one on XX/XX/22, however had three alerts on my credit report negatively affecting my credit score, two being after the date the loan was paid in full and two late payments on my credit report. The loan was paid in full on XX/XX/22, however negatively affected my credit score in the medium term and also causing me to get denied for a credit card in which I was applying for through my place of employment ( XXXX XXXX XXXX  denied for on XX/XX/22 ). 

I believe at the very least I should have one late payment on my credit score, not two, given the loan was paid in full on XX/XX/22 and I got docked for XX/XX/22 and XX/XX/22 so that is just an error. However, I believe given the unprecedented nature of the communication, my clear ability to pay the balance promptly when properly notified, and the error of late payments justifies the fact to discredit the negative affects of the 2 late payments on my credit score as well as a denial of application of credit. 

I hope these comments are taken into consideration and the righteous improvements due to the error of the debt collection agency and or/XXXX XXXXXXXX in inaccurately reporting a credit past due is worthy of a correction and subsequent improvement to current credit score. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-06
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc. (NC)

Cashapp closed my account due to a violation of terms or user agreement but wont tell me which one they just keep telling me why they closed it. Tried finding out over the phone about opening a new account and before the call ended the lady said I need to be verified and Id have to do that online with chat, done that but on chat once again they told me that my account was closed but not why. Called back again to ask when they say my card is permanently disabled did that mean. I could never get a card agent told me he couldnt tell me that and if there was another question I had outside of that hed be glad to answer it so I asked the same question again he proceeded to say if I didnt have another question he was going to end the call and hung up on me. Got back on chat to see if I could speak to a supervisor she said one wasnt available asked for my email address and said one would contact me when one was available or had an answer or something like that but they never email back when they say they are. I dont see how cashapp is in business.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (TX)

Jefferson Capital Systems , LLC posted a collection account on my credit report without first attempting to contact me. The account showed up with a date of XX/XX/2023. They have no proof of an attempt to contact me, as I have no proof of them attempting to contact me. This is a violation of my rights under the FCRA. The company is attempting to leverage their negative credit reporting as a tactic to get me to pay a debt that has not been validated.
Consumer complaint received 2022-05-30
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: Experian Information Solutions Inc. (WA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX XXXX
Consumer complaint received 2023-10-17
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: Experian Information Solutions Inc. (TX)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-29
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: LendingPoint Holdings LLC (MO)

I, XXXX XXXX, the NATURAL PERSON, Creditor, and Applicant, I was denied my right of credit by Lending Point who sent me an adverse action denying me credit on XX/XX/2022 pursuant to 15 USC 1691 ( c ) ( d ). I am submitting this complaint myself and no third party is involved in helping me file this complaint. As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making Lending Point an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application. I extended an inquiry to CreditkarmaAPI ( Referral Source ) to see potential consumer loan options. Furthermore, that is a Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report which is proof the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof " pursuant to 15 USC 1642. I made an application in good faith. Yet I received no benefit from this credit transaction. Everyone benefited from this transaction except me. It is horrible to me that Lending Point blatantly violates Consumer Protection Laws. Furthermore they did not give specific reasons in their Statement of Reasons ( ECOA and FCRA ). According to 15usc1602 ( p ) XXXX never had my permission to allow Lending Point to view my non-public private information. As a result of the adverse action provided to me I have lost confidence with this elaborate system which congress has tried so hard to protect us from its abuse. For denying me my rights I am entitled to civil damages under 15USC1640 ( a ) up to {$5000.00}.
Consumer complaint received 2024-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

On XX/XX/2024 my phone was stolen from my place of employment. My cash app on this phone was then used to send {$480.00}, {$100.00} and {$57.00} to unknown persons. I attempted to dispute the transactions and was subsequently denied. I have a police report for the stolen phone thus providing proof that the phone was not in my possession.
Consumer complaint received 2019-08-02
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: JPMORGAN CHASE & CO. (IL)

Today I called in to request a credit line increase on my chase visa. The rep informed me there there would be A hard pull on my credit report. I agreed to the hard pull being completed. I was transferred to a credit analyst to ensure that the pull wasnt done on a frozen report. I was informed it was not. That they could preform a reconsideration as my request was declined. I agreed. He asked me for the credit line amount I was looking for, I indicated {$40000.00}. The reconsideration took according to my phone 39 minutes. The analyst asked me questions about a line of credit for {$200000.00} I explained that was my home equity line of credit. He then asked questions in regards to an 8.5 year old bankruptcy of which I explained. He then came back on the line several minutes later and asked about two XXXX XXXX loans. I explained they were student loans that I refinanced this year to get lower fixed rates from variable rates. He puts me on hold again, and comes back a few minutes later and tells me I am declined for to many inquiries and high utilization of revolving credit. I explained to him that most of the inquiries were related to a mortgage purchase in the past 90ndays. He mentioned ones from XXXX and XXXX, which were from refinancing my car loans, student loans, and home into better rates, which cut my interest expense per month by over {$2000.00}. And the revolving utilization was neatly all on my home equity line of credit ( Not factoring the HELOC my utilization is around 6 % ) He apologized and said my request was declined. After spending nearly {$150000.00} on there card and paying there balance in full, he could not approve me do to to many inquiries. 

When I got home, I got an alert that a second credit report was pulled by Chase. When applying for the increase the disclosure was read that indicated A credit report may be obtained. A report is defined as one, I had 2 pulled. The second report was not authorized and I would like the second inquiry removed as an error.
Consumer complaint received 2019-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CO)

I purchased a United airlines ticket. The ticket was on miles and I paid for the taxes and fees on my Chase credit card. The ticket was cancelled prior to departure date and United refunded the mileage but the charges for fees needed to go back to original card purchased. A Chase credit card that was no longer active at the time of refund. Chase refuses to acknowledge the refund or provide refund in a suitable manner ( e.g. check, prepaid card, or any option ). I have tried multiple times ( 5 to be exact ) on the phone and in writing to get this addressed. On XXXX XX/XX/XXXX I sent a certified letter and Chase has still not responded as of XXXX XX/XX/XXXX. 

Previously in writing, Chase declined to refund money due to me based on response dated XX/XX/XXXX, stating Chase no longer had this account in their system. The account was active for period of time and does not exclude me obtaining a refund even if the account has since been closed. I have proof of this account and provided to Chase, but they say they can not find the account since it is no longer active. Proof of the account was provided and I still have to show this was an account in my name. 

This last response from Chase was especially disappointing as it is outright fraudulent. I have provided proof that I had this credit card, in my name and the full credit card number in all correspondence. I tried getting this corrected the month after the airline ticket was properly cancelled. It has taken over 9 months of back and forth and now Chase taking no record for accounting is unacceptable. 

To state that Chase no longer has these records is a violation of FINRA and Sarbanes Oxley. Both regulations require Chase to keep records for at least seven years. To state you no longer have proof is someone being lazy and not wanting to do the right thing in accordance with compliance, regulations, and standard governance. 

Chase 's response is a clear violation of Federal requirement for financial institutions under which they are a part. Chase is required by Federal law to maintain copies of account records for up to seven years. All transactions and records of account are documented and have been provided each time. Please help me as this is poor business practice on Chase 's part.
Consumer complaint received 2022-11-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (OH)

Cross Country Mortgage and I have been working for XXXX weeks to get to get my loss mitigation request processed. They keep asking for an HOA bill on a specific letter head. I have called the management company of the HOA multiple times and asked for different things they say they are unable to comply with. The mortgage company refuses what the HOA company IS able to provide me. Because of this I am unable to complete my loss mitigation ( forbearance ) request. The phone agent said to me there is nothing they can do as its required by Cross Country and they set the rules and refuse to put me in touch with the underwriter, XXXX. They say he doesnt have an email or phone number to contact me.
Consumer complaint received 2022-05-29
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: Experian Information Solutions Inc. (MO)

I have attempted to resolve this reporting issues multiple times using online reporting via the credit bureaus websites which includes Experian, XXXX and XXXX as well as writing letters to companies for resolution. 
The credit bureaus just comeback within a few days as verified without research without looking at provided documentation. 

XXXX  XXXX : Opened XX/XX/XXXX Settled on XX/XX/XXXX In my negotiation with the XXXX XXXX representative, we agreed on the settlement amount with the understanding within 30 day it will deleted from my credit report. Documentation will be provided. 

XXXX XXXX : Opened XX/XX/XXXX Charged Off for Bankruptcy on XX/XX/XXXX This account was apartment of my bankruptcy is still shows in negative standing evening though I carry a Bankruptcy on my credit report and all the other account turned positive or deleted complete. In speaking with Colorado Bankruptcy Court, I was informed that that I am being penalized twice with this account being shown in a negative status and with Bankruptcy. 

XXXX XXXX XXXX XX/XX/XXXX This account was paid directly to the XXXX, but it still shows on my credit report, they are unwilling to delete even thought the primary creditor took payment and said that the collection action will be cancelled.
Consumer complaint received 2022-05-29
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. (FL)

The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, high credit inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal They also violated my rights under : 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 2022-05-29
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. (FL)

The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, high credit inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal They also violated my rights under : 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 2022-05-29
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. (FL)

The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, number of months not correct, payment status is innacurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal They also violated my rights under : 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 2022-09-13
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. (LA)

To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2022-05-29
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. (FL)

The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, number of months not correct, payment status is innacurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal They also violated my rights under : 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 2019-11-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OR)

I am trying to pay off my XXXX  school debt. I originally started with XXXX XXXX and my loans were sold to NELNET. I have recently tried to pay off the remaining balance. Online payments are not allowed for " pay off '' due to accumulating interest creating a higher payment than what is actually owed. I called and had to submit additional payment of a dollar or so to cover the interest " while the loan payment is being processed. '' I am unable to just " pay off '' this loan today. I am frustrated. If interest is over what I have " paid in advance '' then I need to call back in a few days and make another " less than one dollar '' payment to cover. This is predatory and taking advantage of people taking out these loans. Payoff should be simple.