davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (PA)

On XXXX XXXX, I booked a trip to LA for a wedding ( XXXX passengers ) through the Chase Ultimate Rewards program. I did not use any of my points, rather paid with my credit card for the trip. The wedding was postponed so I called Chase Rewards early XX/XX/XXXX to cancel the flight and get a refund. After speaking to XXXX associates and reviewing policy docs from XXXX XXXX and Chase, I was able to fight to get a partial refund and partial airline credit. I called chase rewards again on XX/XX/XXXX to confirm the refund was in progress and confirm the credit when I was told there was nothing in their notes that indicated I had a refund in progress. I spent over 3 hours on this call with someone named XXXX that indicated they had to listen to all of my previous calls in order to confirm what was promised. Therefore I waited while they put me on hold to listen to the calls which were hours long. Finally XXXX came back and said they were able to confirm the refund and credit ( after initially saying they couldnt confirm ). Due to the inconsistency I asked XXXX to email me confirming all the details. On this email and previous calls, I was quoted the refund will be issued within 2 billing cycles or within 60 days. I called late XX/XX/XXXX since my 2nd billing cycle ended and Chase Ultimate Rewards indicated it hasnt been 60 days therefore I would still need to wait past the 2 billing cycles. Today is XX/XX/XXXX and I still have not received the refund. I called today and am being given the same excuses and no solution. They basically scammed me and stole {$380.00} from me.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, Equifax Bureau did not take any action to remove the incorrect information and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Late/Open XXXX XXXX XXXX Balance : {$300000.00} XXXX XXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$21000.00} Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MD)

On XX/XX/2020 I sent a certified letter to this Collection Agency in response to a letter that was sent to me attempting to collect {$820.00} debt. My letter specifically asked that Convergent show me how they calculated what they say I owed and I requested copies of any paperwork that shows I agreed to pay what they say I owed. Convergent 's response was a letter stating that the debt was verified and they sent me a copy of a XXXX bill that that looks as if it was generated by someone inside the office of the collection agency. I specifically asked for validation. So on XX/XX/2020 I sent another certified letter after I talked to XXXX and they had no record of the account number this collection agency has manufactured. Again, I requested documentation showing what agreement I had with Convergent to pay any money. I also believe the statue of limitations has expired. Convergent replied on XX/XX/2020 with another letter stating this debt is verified along with a duplicate copy of a bill that looks like they generated it in their office. Again, there was NO signed contract attached binding me to Convergent to pay them any money. This collection account has now hit my credit report and is damaging my credit. I am insisting that this collection agency be removed from my credit report immediately.
Consumer complaint received 2020-07-27
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Consumer complaint received 2020-07-27
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Consumer complaint received 2017-09-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc. (CA)

I have an account with coinbase, com from earlier this year ( 2017 ) I have been buying and selling cryptocurrency through their site until recently when i tried to buy bitcoin ( BTC ) through my bank account which had too few funds in it which was a mistake i made. 
Since then i see that when i log into the account my account is set to restricted access and can not buy or sell. Effectively freezing my money deposited in there. 
I have tried to email support, and call the number for help and so far had no reply by either methods. There is now no way I can access them and unfreeze the account. 
I did get through their phone system once - earlier today, and hit '2 ' for a call back. I was called back ( the mans voice was the same as the voice on their 'Please hold ' message. He asked me to hold the line, and the line went dead. He never called me back. Since then I have tried repeatedly to call to no avail. 
Please help. 
I have etherium ( ETH ) coins purchased ( currently valued at around {$4000.00} )
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Despite having an ongoing dispute with Bank of America XXXX Bank of America sold or assigned this account to a third party debt collector who has filed a lawsuit against me at the XXXX XXXX XXXX XXXX. Bank of America has refused to provide me with all of the required information for this account that I have repeatedly requested since XXXX. Please see attached correspondence for my most resent request. It is unclear whether the law firm that has sued me over this account has been assigned or was sold this account. This account in actual fact has a CREDT balance that is owed to me when Bank of America, against its own internal procedures and the rules governing the XXXX XXXX XXXXXXXX, reversed an ACH transaction to my checking account and then tried to construe it as a different kind of transaction. This was done after the funds had been in my account for over XXXX  days, which is long after the time period to initiate a reversal. Bank of America then had the audacity to reverse payments to my credit card, which had a CREDIT balance on it owed to me. Bank of America must provide the requested information for all of my accounts and return all securities issued from my numerical identifiers and accounts to me.
Consumer complaint received 2023-03-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Benuck & Rainey, Inc. (ME)

We had XXXX service our company well over 20 years. 
In XX/XX/2022 XXXX stop delivering product, did not answer phone calls did not respond to letters wrote to them. Had no future plans on delivering product to us. After running out of product in early XXXX we switched to another company who could deliver. With XXXX XXXX 3 months after last delivery and with no contact. a bill arrived for {$6000.00}. After calls and letters to the company, still no response for 3 months after. a Collection agency XXXX XXXX XXXX starting calling and harassing our company and even sent a letter to a personal address. They wanted over {$8000.00} XXXX?? 
Beware of their tactics to collect.
Consumer complaint received 2022-01-15
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: Experian Information Solutions Inc. (CA)

cfpb i have made an online dispute with this company and pursuant to 18 USC 8 i owe no debt. the company is violating my consumer right to privacy pursuant to15 USC 1681b ( 2 ). company also has NO PERMISSION to report ANYTHING using my info pursuant to 15 USC 1681 ( 4 )
Consumer complaint received 2022-02-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I sent a letter regarding inaccurate and unknow account that is being reporting on my credit report. 
XX/XX/XXXX Account # XXXX I have filed a FTC report also on XX/XX/2021 and this account still remains on my credit report. I feel as if I am being taken advantage of and being ignored with this dispute. This is defamation of character reporting inaccurate information on my credit report. I demand this account be remove immediately from my credit report. My information was also impacted by the XXXX data breach and may have gotten into the wrongs hands of another person.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

This is account has been paid off in XXXX in XXXX and its still reporting activity in XXXX of XXXX. This XXXX XXXX is attempting to reage my credit account to extend the statute of reporting guidelines. They have reported different information to each bureau and they have caused much heartache and distress due to their tactics and maneuvers to deprive me of an XXXX life by reporting misinformation ever after they've been paid Ive previously disputed this and all they did was increase the # of time in the comments of my report on how many times i supposedly paid late this is criminal
Consumer complaint received 2022-02-17
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2020-07-27
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. (NV)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2022-06-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

I should be included in the Navient private loan forgiveness program. I attended XXXX XXXX XXXX XXXX XXXX Indiana in XXXX. I was behind on my loans multiple times prior to XX/XX/ XXXX I was even in default from XXXX and making payments to a different company. I was told I did not qualify. I meet all the criteria which are attached.
Consumer complaint received 2022-08-26
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: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXXXXXX Balance : {$42000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-05-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

My car was repoed in XX/XX/XXXX. I filed Chapter XXXX bankruptcy and got the car back. I ended up having the bankruptcy dismissed due to the payment amount was too high. Prestige Financial let me keep the car and continue to make payments on it. Every month they are reporting to the credit bureaus that the car is in repo status and they are not reporting my on time payments. They also show that I owe over 21,000 on the car and I purchased it in XX/XX/XXXX for XXXX. I do not understand how I owe way more than what I purchased it for 4 years later and my interest rate was not extremely high to begin with. I have disputed my credit reports for them to show my payments I've been making on time since XXXX of last year. I have contacted them to also do this and no one can explain to me anything about the amount owed or why it reports repo on my credit reports.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (IL)

In accordance with the fair credit reporting act XXXX XXXX XXXX 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.
Consumer complaint received 2020-07-27
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. (FL)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2019-11-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

My home is in foreclosure. 
In XXXX of XXXX, SLS Mortgage was sent an offer for the purchase of my home, with an approved buyer who had the funds ready. An offer of {$340000.00} was made. The company said the offer was too low. They also advised the house was worth {$410000.00} after they had done an appraisal. An offer was made of {$390000.00} based on all the repairs that would be needed and the fact there is a halfway house across the street from the property. 

The buyer 's lender had the house appraised and came in with a value of {$390000.00}. 

At the end of XXXX, they said they would've accepted the offer of {$390.00} if we would close by XX/XX/XXXX. There were other appraisals that needed to be completed by the buyer 's lender so we were not ready until XX/XX/XXXX. 

SLS advised me that they would not approve the offer until I went to court and used my last adjournment. After I used my last adjournment, I received word from SLS today that they are going move forward with the foreclosure. 

I have been given a runaround and all sorts of misinformation every time I call them. They always say they didn't have the right paperwork or something ridiculous.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have never lived at the following XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX pa XXXX Please remove the following I have disputed with transunion XXXX and XXXX and they update as accurate please remove.
Consumer complaint received 2022-02-17
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. (MI)

Hi I am submitting this XXXX XXXX without 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 XXXX XXXX over XXXX 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 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 XX/XX/XXXX n cant provide to my XX/XX/XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-17
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. (FL)

The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, Experian Bureau did not take any action to remove the incorrect information and inquiries listed below : Incorrect Name : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX NY Date XXXX : XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  I XX/XX/XXXX
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Late/Open XXXX XXXX XXXXXXXX Balance : {$300000.00} XXXX XXXX Balance : {$1900.00} Late/Closed XXXX XXXX Balance : {$4900.00} ChargeOff XXXX XXXXXXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Collection XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX Balance : {$240.00} XXXX XXXX XXXXXXXX XXXX Balance : {$710.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$570.00}