davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

Today XX/XX/XXXX makes the XXXX time that XXXX has denied me a dedicated representative. XXXX XXXX is supposed to be my representative. On XX/XX/XXXX, he said that my investor, XXXX XXXX, had approved my loan modification and that my approval letter should arrive within a XXXX days. XXXX XXXX reached out to XXXX because I completed my trial modification and XXXX wanted me to do it again. 

However, instead of sending the modification approval letter. XXXX sent me a letter requiring me to go through another trial modification to give them time to come up with more schemes to do deny the modification. 

XXXX XXXX claims that his unnamed superiors are refusing provide the XXXX XXXX modification. So, I do not have a dedicated representative. 

I aske XXXX XXXX to name these people and he did not respond.
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I would like to request my personal information to be updated correctly. I choose to opt-out of all pre approved credit card ads and insurance promotional screenings. 
My name is XXXX XXXX XXXX PLEASE REMOVE any other variations of my name they are not accurate. I am XXXX XXXX   Owner of XXXX XXXX XXXX XXXX XXXX  My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX
Consumer complaint received 2021-08-26
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. (MI)

On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help. 
THIS ACCOUNT APPEARS ON MY CREDIT PROFILE TWICE! I've reached out multiple times but haven't received any correspondence.
Consumer complaint received 2021-08-26
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. (MI)

On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help. 
THIS ACCOUNT APPEARS ON MY CREDIT PROFILE TWICE! I've reached out multiple times but haven't received any correspondence.
Consumer complaint received 2021-12-14
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. 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 also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-08-26
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: Affirm Holdings, Inc (MI)

On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help. I do not have a contact with this company! THIS ACCOUNT APPEARS ON MY CREDIT PROFILE TWICE WITH TWO DIFFERENT AMOUNTS ( {$300.00} & {$530.00} ).
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TN)

All three of my accounts with Chase bank were closed by the company in late 2023. I received an email notification that the business credit card that was under my SSN was closed on or before XX/XX/year> with notes requesting flexible payment options but no prior notice of account pending closure. 

During the same timespan, my XXXX personal credit cards with Chase were closed in relation to the business account. I spoke with multiple agents when I called inquiring about the company closing the account - the reason sited on the call being due to delinquency on the business account despite making on-time payments on the personal cards, but to no avail I was informed nothing could be done and there was no one additional to speak to regarding the matter upon request. I was informed that I would receive an explanation in the mail that was " never '' received which violates Part XXXX of Regulation B. The agent did provide the reason " orally '' but written documentation was not provided even though I was told it would be sent in the mail. 

After researching 12 CFR 1002 Equal Opportunity Credit Act ( Regulation B ), I understood Chase Bank took " adverse action '' against the accounts I had with them by terminating. Due to the actions willfully taken with no intent to correct, Chase 's action are viewed as discrimination against me.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance with the fair credit reporting act # numbers XXXX XXXX, and XXXX XXXX  XXXX, have 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 states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-14
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)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX )
Consumer complaint received 2018-12-20
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. (OH)

I would like to request my personal information to be updated correctly. I choose to opt-out of all pre approved credit card ads and insurance promotional screenings. 
My name is XXXX XXXX XXXX PLEASE REMOVE any other variations of my name they are not accurate. I am Self Employed Owner of XXXX XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of 2020 I purchased airline tickets from XXXX for travel in XXXX of 2020. XXXX cancelled the flights due to COVID. I contacted XXXX for a refund, which they would not offer. They would only offer a voucher, which I did not want. I then contacted Chase within their XXXX window to enter a dispute. I ended up having to provide documentation twice, spending hours printing, uploading, etc. because they mistakingly started my first dispute with only 1 of the 4 charges and the declined the dispute. The second time I sent the documentation was days before ( XX/XX/XXXX ) XXXX XXXX submitted for Bankruptcy ( XX/XX/XXXX ). Chase declined my dispute in late XXXX of 2020. XXXX entered bankruptcy during the time Chase was reviewing my dispute. I believe they should have refunded me based on the Fair Credit Billing Act. I contacted them today after learning about the FCBA, and they stated that it doesn't matter if they made the error, I am now outside the timeframe of making a dispute and they will not review the case, even though my original submission was made within their time requirements. I have lost out on over {$2300.00}, and I believe Chase at a minimum did not properly review the case, and may have denied my claim knowing they should have approved it.
Consumer complaint received 2022-10-11
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. (AL)

On XX/XX/XXXX I notice my ach payment was rejected by mortgage company for the month of XXXX, so I called and inquired about it. As a result, I made two payments on the XX/XX/XXXX and was told by a representative of XXXX mortgage not to be concerned since my payment rejected due to a mechanical issue. But, a month later in XXXX I notice it was a 30-day late payment on my credit report. Not only that I have reports showing inconsistencies some saying I was late in XXXX and others in XXXX. I was assured by the representative that I would not have any late payments on my report and XXXX Mortgage refuse to correct the mistake.
Consumer complaint received 2021-08-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Army and Air Force Exchange Service (NC)

XX/XX/2021 I ordered a 'Built-in '' " Natural Gas '' grill from AAFES and used their Military Star credit card for the purchase. I specifically ordered the built-n and natural gas version of a XXXX XXXX XXXX XXXX. When I went to install the grill it was a " Roll-in '' and " LP '' grill. I called to have the grill replaced with what I ordered however AAFES was out of stock and could not find a replacement for me. I provided all the details they asked me for and I sent the pictures they requested. I was promised a phone call in a few days when they arranged a carrier to pick up my grill. 

Beginning the last week of XX/XX/2021 I had to call AAFEs every 3- 4 days through the 1st week of XX/XX/2021 ( 7-weeks ) and every phone call followed the same format. 1. ) They would review the previous notes and apologize that they never completed the return process. 2. ) They would put me on hold for long periods of time to discuss it with management. 3. ) They would get back on the phone or management would get on the phone and assure me and promise me that they would arrange for a carrier to pick it up and call me with that information. They never called me with the information and this process would repeat over and over. 

I offered to take the grill to the exchange at XXXX XXXX, XXXX, NC for them. Once I was told they would look into it and the 2nd time I was callously told to call XXXX XXXX exchange myself to arrange this.
Consumer complaint received 2021-08-26
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. (PA)

I submitted disputed along with an FTC report for this fraudulent account : XXXX {$1000.00} This fraudulent account has not been deleted from my credit reports ( XXXX  & Equifax )
Consumer complaint received 2023-12-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA (FL)

MY CARD WAS LOST AND THERE WAS CHARGES ON THE ACCOUNT I DID NOT AUTHORIZE BY SOMEONE ELS, I CALLED THE BANK AND TOLD THEM ALSO MY PHONE NUMBER WAS NOT UPDATED ON THE ACCOUNT AND SOMEONE VERIFIED THE CODE SAYING IT WAS ME MAKING THE TRANSACTION AND IT WAS NOT ME OR ANYONE I KNOW. THE TOTAL WAS {$6600.00} ON THE FRAUDULENT CHARGES ON THE ACCOUNT.
Consumer complaint received 2021-12-14
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. 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 also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-07-06
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. (TX)

I have previously made Experian aware that there was inaccurate information on my credit report. Experian responded by stating : " In regards to the inquiries, by federal law, your personal credit report must list all organizations that have requested your credit history. In accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information ''. I have already submitted a fraud complaint with the FTC which Experian has ignored. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian. 
XXXX XXXX XXXX ON XX/XX/2022 Experian. 
XXXXXXXX XXXX XXXXXXXX ON XX/XX/2022 Experian. 

I do not recognize these inquiries, and I have not given them " permissible purpose '' to run my credit. Experian has an obligation to not report information they believe to be untrue or inaccurate or that they've been TOLD is untrue or inaccurate. 

.
Consumer complaint received 2021-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Enterprise Acquisitions (GA)

enterprise pushed through XXXX dollars onto my XXXX  XXXX credit card without authorization and fraudulently. a year later pushed through XXXX on my adult daughter 's XXXX  XXXX card, fraudulently.
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (UT)

My account was hacked from coinbase 's end, and they were able to get into all of my information, including my emails. Drain my bank of {$18000.00} and purchase etherium. Every confirmation email was deleted before my eyes!! I would open it, and it would vanish. They tried to send it to another account, but I was able to lock it before they could. I was also successful in stopping the payment from my bank so I wouldn't be out that money and unable to pay my mortgage. I had taken the extra security steps THEY recommended, and it wasn't enough. 

They allowed the cryptocurrency the hackers purchased to be sent to another account before the money it even left my bank account and the purchase was finalized and now they are claiming they need to get the money back from me. They have my account locked, and I can not get in to see what's going on. 

Also the cryptocurrency that I DID buy was just unaccounted for. It shows the transaction from when I purchased it, but my wallet for that currency is empty. 

I looked into this and it looks like they were breached by XXXX, this happened to MULTIPLE people on the exact date ( XX/XX/XXXX ) and they did the same thing to them. They did a major update afterwards and several people are STILL locked out. Even accounts with third party authentication security were hacked. 

They sent me an email claiming no responsibility ... and then sent another saying they would look into it, and are now completely unresponsive. They have just left me locked out of my account with no information.
Consumer complaint received 2021-08-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KeyBridge Medical Revenue Management (PA)

Keybridge Medical Revenue Care mailed a letter to me that I received on XX/XX/21. This was the first letter I had received from them and by XX/XX/21 they were reporting on my credit as a collection. The letter I received from them states : We ask that you come into our office located at XXXX XXXX XXXX XXXX, XXXX, OH regarding this account. If you wish to make a payment, we accept for your convenience, Visa, Mastercard, XXXX, check over the phone or personal check or money order by mail. This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

No where does it give me any information or option to dispute, nor did it give me time to before they through it on my credit. I believe this to be 100 % intentional because I am trying to secure a mortgage. And I'm trying to secure a mortgage so I can live closer to where my kid is receiving XXXX  treatments, 2 hours away from my current residence. 

This is ridiculous and predatory. I was never given a chance to dispute or address this medical collection before they demand I drive to XXXX  ( I live in PA  ). 

I would like this removed from my credit report immediately!
Consumer complaint received 2021-08-26
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (CA)

Hi, my paypal account is XXXX. Paypal claims that I had violated their policies, and froze my account for 180 days, with my balance in it. I had never violated any policies, and after multiple attempts to reach paypal, they could never explain what happened or why it happened. Even the customer service representatives seems puzzled and bewildered. And recently, after the 180 days have been up, I wanted to withdraw my balance in the account, which is about 3800 USD. To be exact, it is XXXX SGD. To my horror, Paypal had charged me XXXX from my account without authorization and claimed it is compensation as damages. 

I am still bewildered as to what violations I had committed that could possibly arise in over 3800 USD in damages. Till this date there is zero explanation from paypal, and it feels like it that I just got robbed by Paypal without any reason at all.