davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ZARVAD III S.A. (IN)

I got a loan from mypaydayloan and was doing a good job keeping up my payments, although their a.p.r is higher than the 36 % Indiana law mandates.. But I fell on some financial issues. It was difficult to pay them back and I let them know this through emails. They were actually paid back the principal and significant amount of interest accrued. My phone was off at a point. They stated they were trying to reach me. They stated they through email, as well. When I did look at my emails, that's when I responded about my issue. 

Unfortunately, now the claim is with XXXX, a 3rd party and I have been paying them for this debt, that is up to over {$1000.00}, when I borrowed {$200.00}. They stated they are going to take the claim to court if I do not pay. And I can't afford that. So I pay them. Can they charge me this much, rightfully?
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have tried to get Transunion to remove these unauthorized inquiries from my credit file. They sent back something saying they will not be removed? I did NOT give permission or purpose for these three places  to Hard Pull my Credit. 

XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019
Consumer complaint received 2019-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Ive been banking with Chase for a few months now. During these few months Ive lost my debit card twice an unauthorized transactions on my card From XXXX XXXX XXXX  XXXX   in the amount of {$1700.00}. Chase notified me that my account has been closed, and that I can go to a branch to withdraw my remaining balance that I had available. I went into the branch and they advised me that they spoke with chase claims to get the OK to withdraw the funds, they then advised me that they are unable to give me my funds that I had available in my account because the claim I made with XXXX XXXX XXXX  XXXX   was still open. Today is the first and because Im unable to take my funds off, Im unable to pay my rent because chase will not give me my remaining balance after my account was closed. If this was the case, my account should still be open, and I should still be able to use my debit card.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have missed payment in my credit report from the student loan while I already have a forbearance period, please remove the missed payment it show like 6 missed payments from XXXX XXXX XXXX. 
Name XXXX XXXX Date of birth : XX/XX/XXXX Address : XXXX XXXX   XXXX XXXX, XXXX FL XXXX Please remove it
Consumer complaint received 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX has been paid and closed since XXXX but on my report, this is still showing that it is 30 days late with a balance. How can this be? They should be reporting the account paid or closed. This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed immediately! 
XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2021-07-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OH)

Shortly after opening a Coinbase account ( approx. XX/XX/2021 ), depositing money in the account and purchasing Bitcoin through the account, I was locked out of my Cointbase account. When the account was set up, I needed to furnish a copy of my drivers license to verify my identity. Now, to access my account, I am required to supply an image using a webcam, to which I do NOT have access. A cell phone camera is not an option. 

I have repeatedly explained to Coinbase that I do not have access to a webcam. Nonetheless, Coinbase continues to require webcam access to enable me to access my account ( and MY money ). 

This has been going on for several months. Finally, I advised Coinbase to close the account -- sell the Bitcoin and send the money back to my account from which my Coinbae account was funded ( information that they presumably still have ). They refuse to do so. 

While this has been going on, the value of my account has diminished due to the reduction in value of Bitcoin. Coinbase has my money and will not give me access to my money.
Consumer complaint received 2021-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

There was information on these credit bureaus that related to me. A lot of this information can't be validated because there is no original creditor to validate the information and since I am the only alleged consumer of these accounts then I am the only one that can validate the information on these accounts. Then there's the issue of these so-called investigations that all come back as " accurate '' but pursuant to 15 U.S.C. 1681a ( e ) who did this credit bureaus interview to get these accurate facts? So if I am the only original consumer then I am the only person that can verify if any of the information can be factual information. And pursuant to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

And there are a lot of discrepancies in their reporting. 
I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. 
Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I have never given any credit bureau or consumer reporting agency my written permission to report to them. 
I sent out letters back in XXXX to XXXX, XXXX, and XXXX requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
Consumer complaint received 2019-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo Bank closed my company 's corporate checking account without my company 's permission.

Wells Fargo claims they sent a refund check, but it was never received.

I have repeatedly contacted Wells Fargo about the issue, and they are aware and agree a refund check We ; ; s Fargo claims was issued in XX/XX/2018 was never cashed.

I have asked Wells Fargo to cancel the previous refund check they claimed to have sent and re-issue a new refund check.

Wells Fargo has not issued a refund. 

Account number XXXX Amount is {$300.00} Thank you, XXXX XXXX XXXX XXXX Compliance XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MI)

I opened a Venmo account because my friend used Venmo more than PayPal. As we spoke he wanted to send me money to help with purchasing plane tickets for my children to come visit them. I set up the account on venmo, verified my banking information and he sent the funds. I received notification that I received the funds and the email stated I could then transfer the funds to my bank. When I tried to do this I got an error message and went back to the home page and was surprised to see it say my account was suspended. I then tried to contact venmo via phone. When I finally got thru to a agent I was told this could days if not weeks to receive notification of why the account was suspended let alone until the account was unfrozen. I then went to chat and eventually was told the same thing. I have still not received any notification of why it was suspended or a projected timeline of when my funds would be released. Regardless to say Im very irritated as the tickets will cost more now as we approach the date of departure. Plus as with all the stories I heard between my friend and I could be out over XXXX XXXX dollars. Thanks Venmo. I guess Ill stick to other services.
Consumer complaint received 2019-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NY)

I have sent numerous letters stating I want to see validation of this debt and they refuse to answer. I sent my last letter saying if they can not properly show me documentation validating the debt is mine then I want it deleted from my credit report.
Consumer complaint received 2019-03-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I pay a monthly fee for Equifax score watch consumer product however Equifax fails to update my credit score I paid several account off in the past 45 days Equifax report shows that the account balances did drcrrase however my credit score has remained the same the other consumer reporting agencies has received the same information as Equifax and my credit score with them has increased over 100 points in addition one creditor has advised me that they were unsuccessful even trying to pull my credit from Equifax because it comes back with no score
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

I contacted All ( CREDITOR BELOW ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my 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 these are not mine. They are not factual.
Consumer complaint received 2019-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRSTBANK (KS)

I am disputing 4 different charges of $ XXXX/each ( {$2000.00} total ) using XXXX XXXX made on XX/XX/2019.  Never received merchandise. Seller is not responding to any forms of contact to return payment or send merchandise. I contacted the bank ( XXXX XXXX XXXX XXXX ) as soon as this happened and theyve stated theyre unstable to dispute the charges as of XX/XX/19. I have filed a police report with the local police on XX/XX/19, as well.
Consumer complaint received 2022-02-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2018-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (OH)

I sent out a debt validation letter to Diversified Consultants on XX/XX/2018 asking for them to validate debt. Today XX/XX/2018 I received a letter from Diversified Consultants with just a bill inside, that is not validation. When I mentioned validation I was referring to a signed contract with my signature.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, PLEASE INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FOR THEY HAVE TARNISHED MY CREDIT FILE AND NAME. THESE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT.
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (AR)

Citi sent me an adverse action letter reducing my credit limit from XXXX down to XXXX  on on of my accounts. When I chatted online with Citi to ask them to reconsider. The rep, XXXX, told me that XXXX asked Citi to reduce my credit line and that " per the Federal Law we are bound to follow credit agencies, since XXXX asked us to reduced your credit limit '' This information is not correct. 
So I called in to Citi 's customer service line, and a rep on the phone told me the same thing, and gave me XXXX  's number ( XXXX ), telling me that XXXX  would be able to consider restoring my credit line with Citi ... 
Why it Citi allowed to lie to it's customers? 

Citi chat conversation pasted below : XXXX at XXXX, XX/XX/XXXX : Welcome to Citi Live Chat. We appreciate the opportunity to serve you. Can you allow me a moment while I review your request? 
You at XXXX, XX/XX/XXXX : Absolutely! 
XXXX at XXXX, XX/XX/XXXX : Could you please verify the last 2 digits of your credit card? 
You at XXXX, XX/XX/XXXX : The card in question ends in XXXX XXXX at XXXX, XX/XX/XXXX : Thank you. 
You at XXXX, XX/XX/XXXX : My pleasure! 
XXXX at XXXX, XX/XX/XXXX : Thank you for your patience. 
XXXX at XXXX, XX/XX/XXXX : We were notified by XXXX  that there are substantial debts with other 2 creditors and we were asked to decrease your credit line from XXXX to XXXX. If you disagree with it, you XXXX certainly dispute it through XXXX  and get back to us. We would be happy to submit a request for your credit line increase again. 
You at XXXX, XX/XX/XXXX : What do you mean? It was XXXX then it was knocked down to 1960? 
You at XXXX, XX/XX/XXXX : I have perfect on time payment history will all creditors, including citi for 8 years You at XXXX, XX/XX/XXXX : My double cash card is XXXX years old XXXX at XXXX, XX/XX/XXXX : I can understand but we were asked to do that, as per the Federal Law we are bound to follow credit agencies, since XXXX asked us to reduced your credit limit, you need to contact them and ask why it has been reported, if you see any discrepancy in your credit report, you may contact us again and we will raise your request to increase your credit limit again.
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (NY)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

There are 20 hard inquiries showing in my report an I want them removed they are violating my consumer rights. 15 usc 1692k and 15 usc 1605
Consumer complaint received 2019-10-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

Hello, I have sent in a written request of debt validation by certified mail which was received by United Revenue Corp on XX/XX/19. In the letter I asked that signatures, a description of services rendered with dates/times, charges, and methods of validation be included for my review. However, I was not provided the appropriate documentation. I'm afraid that this creditor may have my personal information which may be a HIPAA violation. Please help resolve.
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc. (MA)

Hi, I purchased 3 gift cards ( BlackHawk Network ) from XXXX XXXX in XXXX, Ma totaling {$1500.00}. Within a few days, all three gift cards were used to make unauthorized purchases. I contacted Blackhawk Network in regards to getting a refund. I was informed to file a complaint and submit photo of the gift cards, receipt from the purchase of gift cards and a dispute form. This was done on XX/XX/2019. Since then, I called Balckhawk Network numerous time and was informed that they sent replacement cards. I still haven't received anything since. I been trying to resolve this issues for quite some time to no avail. Can you help me please. 

The case number for the dispute that was issued by BlackHawk Network is # XXXX Thank You
Consumer complaint received 2019-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Prevalent DAILY Institutional XXXX has reared it's UGLY head once, again on it XXXX XXXX platform!!! XX/XX/19 {$2300.00} in the form a CASHIERS CHECK ( attached ) from the XXXX XXXX XXXX XXXX  XXXX XXXX that I purchased XX/XX/19 was deposited into my checking account. Was sent a insufficient fund notice on XX/XX/19 from B of A stating my account has insufficient funds, and that NONE of my transactions which ALL are/were mortgage payments were declined, and that I also have incurred NSF charges! 

No where on the attached deposit receipt does it state that my deposited funds were going to be held up until XX/XX/19, as stated on my account statement. In fact the deposit receipt cleary is stating that credit pending posts on XX/XX/19! 

Again, this is B of A laying down the XXXX  XXXX institutional XXXX that they, and the predatory lending institutions in this country are founded on ...
Consumer complaint received 2019-10-14
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (TX)

My mortgage company seems to be in the habit of not reporting my ontime payments to the credit agencies. They will go up to 2,3,4 months not reporting anything. This is by far my biggest account and it not being reported is not helping my credit score which I am constantly trying to improve. I complained last year when I first noticed it  but they continue to do nothing about it.