davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Grain Technology, Inc. (TN)

I applied for an account with Grain Technology and was approved for a revolving credit line. After reaching out to customer support to resolve an issue with adding my address to my application, I was able to move forward in the process. Twice, I successfully verified my identity and then twice received an error message and was asked to upload a copy of my drivers license and social security card. I did so. I immediately reached out via email and informed Grain that I sent the documents and was told that I could not be verified, the decision was final and my application was now closed. I recently moved and did not yet get my new drivers license which I explained. I offered copies of my marriage license, and other documents to prove my previous address as well as my new one. I was told the reason for my identity verification issue could not be released ( I never asked for a reason ) - I just want a resolution to this issue!
Consumer complaint received 2018-03-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

Coinbase fraudulently transferred moiney in the form of bitcoins valued at {$4300.00} on XXXX XXXX 2018 out of my account to coinbase, the trading exchange. 

I get a message on my phone which states " XXXX coins worth {$4300.00} sent to coinbase '' I never initiated or authorized it nor my account was not compromised. I have all logintimes and 2FA set up. 
Coinbase needs to answer why did they siphon out the coin from my account for no reason and pay me back the coin with fines as I lost asset value as well as the principle amount. 

I complained several times to them and all they do is send me FAQs to secure account, lock up my account.They never answer who initiated the transfer to coinbase which is them and what is meant by the message. 
Also I did not get a confirmation email for the same. 
This is a fraud perpetrated by the company against small investors and since we do not have a voice, they do not have adequate support staff to answer and they lock our account, making us suffer losses as well as mental agony. 
Such fraudulent companies must not be let to operate as they find loopholes to suck out money from our legitimate accounts and give no explanation. 
They seem to have no Risk management or processes in place and scant regard for small consumers as we have no voice. 

http : //support.coinbase.com/XXXX
Consumer complaint received 2022-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (TX)

My issue involves WellsFargo Credit company due to them labeling me as deceased with no explanation. I want to say this error happened on XX/XX/XXXX. On XX/XX/XXXX, I contacted a Wellsfargo branch in person to submit a proof of life document, and called social security, in which I was told they had no indication of me being deceased and that they did not contact the bank. Basically, I have been given different dates on when my previous credit card will return to my account. 4 different occasions, I called the credit company and they would tell me wait until a certain day. That day would come or pass and I would be told a different date. Finally, I was transferred to their higher up on XX/XX/XXXX to be told they don't know why I was labeled as deceased and I would have to wait two more business days. I've been with this bank since I was a teenager for almost 14 years and I feel like they are being laxed and not completely honest with processing my documents to return credit card. I was in good standing with my credit card, and I'm even unable to get a new one because of their error. To know that Wellsfargo credit company does not have specific notes to why I was listed as deceased is disturbing and makes me feel that the process can happen again without them taking precautionary steps to ensure they have accurate information. This is another stress I have added to my life and I've tried getting help from them, to which they seem to be clueless.
Consumer complaint received 2022-06-10
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. (GA)

In response to complaint number XXXX Experian claims the verified accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX with the furnisher. My last complaint clearly stated a consumer reporting agency may not produce a consumer report containing transactions between the consumer and the person making the report. I did not as for anything to be verified. Furthermore Experian never provided the method of validation in order to verify those accounts. Did Experian speak to my neighbors or anyone I know? How did they validate those accounts. If Experian can not provide documentary evidence they actually did an investigation they need to cease violating my consumer rights.
Consumer complaint received 2022-02-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Consultants of California (CA)

I have no knowledge of this account and did not consent to anything related to this account as it was fraudulent. I have been reaching out to this company multiple times to get this removed but they haven't done anything. Please block and remove the accounts from my report.
Consumer complaint received 2023-09-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings (NC)

I checked my credit report recently and noticed a debt collector had posted a negative comment in XX/XX/2022. However, they made no attempts to contact me and negatively affected my credit score for 2 of 3 agencies. The fact that they did not contact me is my issue and they should now pay me double what they claim I owe as compensation. Further, two debt collection agencies have previously contacted me for the same supposed debt. I requested supporting documentation such as a signed contract or similar to show I owe the debt. Neither could produce any documentation and ceased their claim. Zion has used malicious, illegal, and libeling tactics and should be prevented from practicing as a collection agency.
Consumer complaint received 2022-08-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical & Professional Collection Services, Inc. NC. (IN)

I initially began contacting Medical & Professional Collection Services on XX/XX/XXXX in order to verify that the debt recorded was in fact my debt. I contacted the company multiple times and was told that they would mail information verifying that the debt was mine. As of XX/XX/XXXX, I have yet to receive such information. How can I pay a debt that I can not verify is mine if they won't send me such information showing it is mine?
Consumer complaint received 2022-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent in my police report and my FTC affidavit to the three credit bureaus XXXX, XXXX and Trans Union Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy TransUnion accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. 

I appreciate your prompt attention to this matter, and await your reply. 

Remove this fraudulent and inaccurate information from my credit bureaus or i will take legal actions without further notice and this complaint services as proof that i tired to resolve this fraud
Consumer complaint received 2022-11-20
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. (NC)

in accordance with the Fair Credit Reporting act 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 instruction
s XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXXXXXX 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
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2018-04-10
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: EQUIFAX, INC. (CA)

I have been disputing items on my credit report that is old debt. that I have no idea of and is not my debt, I would like the credit agency to delete these items. they are being bought and sold by credit collection companies, And hurting my credit status. I have been disputing these items since last year XX/XX/XXXX, XX/XX/XXXX, and present. These credit agencies are unethical and are in full support of the collection agencies.
Consumer complaint received 2023-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I had a Covid relief forbearance. I was approved for a modification when that ended. I have the final notarized copy of the modification from SPS and have made two payments. My first payment was due before XX/XX/22, I made a {$1100.00} on XX/XX/22 for that payment. Watching the status of my account online I noticed after XXXX that payment was not posted and applied to my account. On XX/XX/22 when my account still showed a XXXX payment due I made another payment of {$970.00} so my account wouldn't be past due and jeopardize the modification. SPS posted the {$970.00} payment to my account but have not posted the {$1100.00}. I have called SPS four times regarding this and the only response I get is " they haven't processed my modification yet ''. I spoke to a supervisor who sent an escalation to Cashiering to have my payment processed. According to the statement I've received it is still " not applied ''. I'm sure SPS is making interest on my {$1100.00} they have been holding since XX/XX/22. I should be paid the interest. Also, had my {$1100.00} payment posted when I paid it, it would have reduced my principal and saving me some interest for the next month. I called again on XX/XX/22, still no updates, the representative was rude and unhelpful. I called to set up reoccurring monthly payments and she talked in circles asking me what I wanted to do. I explained reoccurring payments. I got nowhere with her. I asked for a supervisor. She placed me on hold for at least 14 mins and came back to tell me she and her manager looked at my account and couldn't set up a reoccurring payment until a code was removed. She avoided letting me speak to a supervisor or manager. But she told me a reoccurring payment was set up but I needed to call in monthly for 6 months to pay by phone. I asked for the manager and after on hold several more minutes I hung up. Yesterday I spent 30 mins on the phone with SPS and accomplished nothing! Just like all the other calls!
Consumer complaint received 2022-06-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (FL)

Phoenix Financial SE added this debt while under dispute with XXXX. Through XXXX XXXX XXXX. They are showing a new collector on my report. This is contradicting information 2 debt collectors are attempting to collect the same bill. There must be a law making this matter incorrect, illegal, and fraudulent. I have provided information regarding medical conditions and proof of insurance. This account is being tossed around by collection agencies. I have not received a reply from the previous collection agency and no communications from Phoenix Financial SE. This is causing continuous stress in this matter which is taking effect on my mental and physical health. I have not signed consent and I have contested this inaccurate amount with no feedback thus far.
Consumer complaint received 2022-02-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

I have no knowledge of this account and did not consent to anything related to this account as it was fraudulent. I have been reaching out to this company multiple times to get this removed but they haven't done anything. Please block and remove the accounts from my report.
Consumer complaint received 2020-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

Convergent has reported a collection account to my consumer credit file in the amount of {$460.00}. I do not owe this alleged debt. If Convergent has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Convergent is attempting to collect. Convergent has no legal right to attempt to collect a debt. Convergent has not validated this debt nor sent me a notice of collection. XXXX XXXX is in violation of the FCRA and the FCDPA.
Consumer complaint received 2019-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX, Chase closed a checking account that I opened through their website a week or 2 earlier. I deposited {$410.00} in the account, and then I received a letter in the mail on XX/XX/XXXX, that Chase had decided to close my account. I have tried ever since that time to receive the {$410.00} that was in my account upon closing. Chase refuses to rush a check to me but instead states that I must open up an account to transfer the money into. But I was just denied the ability to hold an account with this bank. Otherwise, I will need to wait til XXXX XXXX, XXXX to hopefully receive my money.
Consumer complaint received 2018-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NV)

Over the course of a number of years I had overdraft protection on my Chase checking account tied to my Chase freedom credit card. 

On multiple occasions my checking account was struck with overdraft fees that were improper. These fees were then covered by my open line of credit. Chase then subsequently reversed the overdraft fees in my checking account, but never properly readjusted my credit card to reflect these changes. I have subsequently been charged monthly interest for years for improper ornotjeteise trfrtrdsrd overdraft protection.
Consumer complaint received 2021-09-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (CO)

I have been trying to handle a medical debt with Professional Finance since XX/XX/2021. I noticed two Collection accounts on my credit report in XXXX of XXXX, I contacted the Collection company and all they did was send me " a validation " of my name and address on the collection. I then contacted XXXX XXXX XXXX they said they had no information on it it had been sent to collections, I then called my insurance company and they stated they never paid because the {$1500.00} deductible was never paid by me and the account was too old to pay now. The insurance told me to deal with the collection agency. I then called XXXX XXXX and said I would pay what I could on the deductible, they said they wouldn't take it. So, I then sent Professional Finance 2 more settlement letters. I still have not received communication from them. I have done everything possible to handle this and this is affecting my ability to establish credit. Furthermore, every month they are unlawfully re-aging this account.
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Pioneer Credit Company, Inc (SC)

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; and PIONEER CREDIT COMPANY are all listed as the creditors of an account on my credit reports. Clearly, there are errors with this reporting due to the following reasons : A. All entries shows that an account was opened on XX/XX/2013, however ; these entries refer to different account numbers ( Account # XXXX ; XXXX, XXXX ) B. How can this one account have  DIFFERENT BALANCES? 

C. How can this one account have DIFFERENT DATE OF LAST PAYMENT?

D. How can this one account have DIFFERENT DATE OF ACCOUNT CLOSED? 

E. How can this one account have DIFFERENT PAYMENT HISTORY? 


I am asking for assistance from the CFPB because : # 1, I know for a fact that I DID NOT open multiple accounts on XX/XX/2013. 

# 2, I requested validation of these debts. I sent a certified letter to all three addresses listed on my reports. I have proof that all letters were received. I DID NOT get back any validations. The only correspondence that I received back was a letter stating that I applied for a loan on XX/XX/2013, but the account is now sold and I should direct all questions to the new owners for verifications. My issue and point are that the items on my credit report which are in questions have to do with XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; and PIONEER CREDIT COMPANY and the fact that they are reporting incorrect information on me and fail to validate any information as required by the FCRA.
Consumer complaint received 2018-10-09
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. ()

After multiple attempts through the credit bureaus ( Transunion and XXXX ) and through the company XXXX XXXX I have been unable to come up with a resolution to my issue. XXXX XXXX is reporting inaccurate information on my credit files ( Transunion and XXXX  ). As seen in the provided documents the account number as well as the balence owed and the last payment are all inaccurate and is yet to be verified. This trade line needs to be completely removed for the multiple inaccuracies.