davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

PLEASE HELP!!!! 
This crooked mortgage servicing company is making it difficult to get on the covid defferal mortgage plan. My loan qualifies for this plan as confirmed by the customer service rep i spoke with. However, this company has created a very complicated " applications '' process to get the paperwork processed. The rep insists its not an " application '' but an " evaluation '' but they are asking so many questions its no different than applying for the home loan the first time to purchase. 
I was told by XXXX service reps that there is no applications process to qualify for the defferal plan. I already attested to the Shellpoint rep that i'm working and able to resume payments once the forbearance ends but that wasn't enough. He wants to know when my financial challenges started, how it affected my family, who in the family was affected? All manner of unrelated intrusive and UNLAWFUL questions. 

This is criminal. Please please go after these crooked companys. They're out to destroy hard working families.
Consumer complaint received 2021-09-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (NC)

Have called them multiple times and have told them to stop calling but they continuously keep calling and wont reveal their business name or address even though they say it's a debt from Citibank ( who has no knowledge of why they are calling me ) so I can put it in writing or pursue legal action against them ... .last calls were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2021-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MA)

Hi I had wire transfer my money from my bank account to Coinbase to purchase ETH, and then I sent crypto to the name call XXXX investment app platform to earn money there, I have six transactions from Coinbase to this platform, total I was sent around {$260000.00} US dollars, and the the account of XXXX has money $ XXXXnow, when I try withdraw my money, they want my to pay the $ XXXXus dollars tax and upgrade my account to vip also need pay XXXX.. and after my family in my country pay those money, I still cant withdraw my money, I know it was a scammer fake investment platform, I never can take my money out.. and I also contact Coinbase to help my get my money back from the scammer wallet address XXXX But Coinbase rejected to help, looks like is not their responsibility to get customer money back, even though they konw its a scammer address, they dont do anything, they keep let other victims denting the money to the same wallet address after I did complain to the Coinbase,, thats one of biggest loopholes from Coinbase. It can easily transfer money to fake and illegal investment platform without permission. Coinbase need to take extra security measures to keep safety of my account..I want to get my money back, I have no idea what can I do now, I have no money to pay my loan and credit card, my bank rejected to do the fraud investigation for me, they says Coinbase is big company, and also Coinbase do nothing after I report fraud scammer, I need some help. 
And I also call logon police, and report to FBI, IC3 The scammer platform website XXXX IP address is XXXX Ps. The wallet still can receive money from Coinbase now.. 
My email is : XXXX Name : XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-09-28
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. (MA)

This is a fraud account from XXXX XXXX were my information was used to open a account and eventually charged off. I have tried to dispute this account with all 3 credit bureaus who claimed they have investigated with creditor and verified information was accurate, which is untrue. I asked for proof showing I open account, but never received documentation showing I authorized or signed any documents. This has caused my credit report and score to be affected. This is account was open fraudulently under my personal information!
Consumer complaint received 2021-09-28
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. (CA)

I have been trying to get an address removed from my credit report. In a previous complaint with the CFPB against Experian they stated : " We store information as it is provided to us by your credit grantors or from information contained in public records. One or more sources of information reported the information you questioned and it is a part of your credit history. '' Experian is stating that even though I sent them a " XXXX '' which is a sworn statement that can be held up in Federal Court and I am proclaiming this is not my address they are still not removing the address. 

Furthermore, I did not " question '' the address I " stated '' it is not mine. Consequently, they are actually taking STORED information which means old and/or erroneous information and using it against me, which is against the FCRA. I would like for Experian to provide me the sources that are providing this information. 

I am also attaching a Police Report that was filed that was per their suggestion and see how they will now respond to their own request.
Consumer complaint received 2021-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

XXXX was stolen from me in XX/XX/2020 used on 3 atms gas stations a bar it was 9 transactions that wells fargo didnt place a hola atext a call wondering if it was me or not, i tried to resolve issue with them stating it wasnt me i had lost my card and noticed in the XXXX called right away representative reassured me " dont worry i see all these transactions in the matter of 2-3 hours youll get your money back " so fraud department had to do investigation which i was fine with and stated since the person used my pin they couldnt help me, i stated what are you talking about arent i insured?? so therefore they told me i had to go to police and do a report which i did and have and called them with the report number, the man who took my report and gave the transactions to stated the bank should give me back money knowing how much fraud is going on ..im still awaiting on bank and am still behind in my rent due to banks error!!! shame on you WELLS FARGO ffor making me endure this over a year,
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2021, I recieved a payment from a friend for lunch About three hours later I recieved a notice that " Your Venmo account has been frozen due to recent activity that triggered some security alerts. '' At the same time as the notice I recieved the following message from Venmo, " We have recently reviewed your usage of Venmo 's services, as reflected in our records. Due to the nature of your activities, we have chosen to discontinue service to you in accordance with Venmo 's User Agreement. As a result, we have placed a permanent limitation on your account. We ask that you please remove any and all references to Venmo from your website and social media accounts. 

You may transfer the remaining account balance to your bank account but you will no longer be able to access your Venmo account. 

We thank you in advance for your cooperation. If you have any further questions, please reply to this email. '' I then asked what the issue was about and if it could be remedied. I recieved the following message " Thanks for following up. I can understand your desire for specific details that lead to this decision but in order to keep our systems safe, we do not provide that information. 

We have systems in place that monitor activity on Venmo, but please note that we don't reveal information about our internal systems in order to keep these systems robust. When we take action on accounts as we did in your situation, we do so to ensure that Venmo continues to be a secure way to make payments and that our users are operating in compliance with our terms. 

I apologize that we're no longer able to serve you and for the limited nature of that answer, but we do take security very seriously and do not take action without reason. I highly encourage you to look into alternative payment processors that may be a better fit for your transaction needs. '' I am left both confused and distraught over the closing of the account. Venmo asked me to remove any and all references to Venmo from your website and social media accounts but I never posted about venmo online or used it on any website. At the time I logged into Venmo I was traveling in XXXX for a week on vacation but nothing in the user agreement prohibits me from opening the app while traveling. Furthermore, I read the user agreement and can find nothing I did that violates the terms. 

Venmo says that my actions or activity are in violation of the user agreement. Venmo refuses to tell me what actions or actives I did that are in violation. As suggested by venmo, I read the user agreement. I can not find any actions or violations which i have committed. I would appear some sort of mistake has been made. 

I am asking for the CFPB to intercede and restore my account. 

I appreciate your time in this matter.
Consumer complaint received 2021-09-28
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-28
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. (TX)

This is a complaint against timeshare XXXX / XXXX XXXX XXXX XXXX XXXX. I have requested verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance or obtain new lines of credit. I've been requesting for validation but had no responses. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified & they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. I feel I'm being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-01-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

On XXXX I received a payment from a user for used audio equipment I was selling on XXXX. I finished testing and preparing the item on XX/XX/XXXX, and went on vacation for the XXXX weekend. I shipped the item on XX/XX/XXXX, and after adding shipping information I was promptly hit with a " paypal dispute '' due to the buyer issuing a chargeback through their credit card. This immediately smelled like fraud, I reached out to the buyer and asked what was happening. They stated that because they hadn't received the item yet, that they charged back. This seemed odd to me since it had been all of XXXX business days, but we agreed to wait until the package arrived to hash things out w/Paypal. The buyer received the package and canceled the chargeback, and contacted Paypal to stop the dispute. 

After the user did this, Paypal issued a " review '' on my account and requested information regarding my transactions. I attempted to provide this info from my mobile phone but the site would not properly load. I tried to load it on my desktop computer, and it said the information was no longer needed and that I needed to wait for review. 

I attempted to contact customer service both by phone and by their chat system, both of which said that there were no customer service representatives and that I should try back during business hours. This seems odd considering it was early in the day on XXXX XXXX time. 

As of the morning of XXXX Paypal has notified me that they are closing my account due to policy violations ( which I have never violated ), and that they will not be releasing my funds ( {$3200.00} in total ). This seems fraudulent on the part of Paypal given that my buyer contacted Paypal to close the mistaken dispute.
Consumer complaint received 2019-02-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (IN)

Since about XX/XX/2017, receiving Toll Free Number XXXXor XXXX telephone calls up to 3-4  times per day on my direct line for work, days and weekends.Calls begin as early as XXXX and as late as XXXX. Recording is heard when phone is picked up so unable to request that they stop calling me.
Consumer complaint received 2019-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Screening Reports Inc. (DE)

On XX/XX/2017, Screening Reports company did a hard inquiry on my credit on behalf of XXXX XXXX XXXX XXXX  located in XXXX Delaware.This was wrongfully done because I only lived there as an occupant not tenant. I have never applied for an apartment with XXXXXXXX XXXX XXXX XXXX. I contacted the apartment office and they acknowledged their mistake but still told me nothing can be done to fix it. I called the screening reports company that ran my credit and explained the situation and even attached a letter and send it to their disputes department via email as attached below. Screening reports company kept asking me to get a deletion letter from XXXX XXXX XXXX XXXX. Im not able to do this because the apartments office has told me several times there is nothing they can do to fix this. This is damage to my credit reports with the beaureaus and has directly affected me over the years. It is not fair and Im asking for justice. Please help. Thank you.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Hello, my name is XXXX XXXX, and I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-12-04
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. (OK)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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.
Consumer complaint received 2021-09-29
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: Bread Financial Holdings, Inc. (MD)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-09-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

Opened an account with Citi Bank ( Citi Priority Account ) ... promised {$700.00} Bonus ... .we met all requirements... .have not been credited the {$700.00} Bonus ... this is a total scam and there should be a major class action suit against Citi Bank !