davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
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. (NY)

All my credit card bills have zero balances with paid I full : XXXX, XXXX XXXX, and XXXX. Have never been late or delinquent. There should be no delinquent credit information on my credit report for any accounts considering Federal Truth In Billing and Credit Reporting Disclosures Act and FTC Law with legally variable proofs provided. It is the due diligence of the bureaus to report true and accurate informations to avoid discrimination in lending. 

In addition, moved to dispute all credit inquiries within the last 180 days to current because they were done in bad faith, malice intends, and knowledge without proper authorization and Disclosures as a matter of law as exposed vulnerabilities. These inquiries have substantially caused my credit report to decrease as consequence. As a result have threaten my access to equal credit and to apply for loans to enjoy the equities in my homes.
Consumer complaint received 2021-11-18
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. (LA)

I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed Notfication claiming that the bankruptcy was verified by the Bankruptcy Courts. 

Appalled by that information, I went directly to Bankruptcy Courts and in response to my inquiry they claim to have never verified this item with you and provided me the enclosed letter. This would mean this bankruptcy is by law considered UNVERIFIED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A XXXX must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the XXXX is not required to remove accurate data from your file unless it is outdated or can not be verified. 

I have enclosed the Court letter for your inspection. Please DELETE this item from my credit reports as it is NOT verified! 

The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED.
Consumer complaint received 2018-07-07
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Santander Consumer USA Holdings Inc. (FL)

Hi, I have two collectors that keep contacting me - the first one is XXXX XXXX - everyday they call and say they say Im going to be arrested, a warrant is issued for my arrest or something a long those lines - I have informed them 100 times that this account is not mine and still they keep calling harassing me - my identity was taken and the person who did so, got a phone, car, and a lot of other hints from what I see on my credit report - Santander is the other one who calls atleast twice a week to inform me that I am going to be issued a summons to be detained for collection, when the car and account isnt mine either! I dont even drive & Im XXXX! I need help getting this to end and fixing my score its affecting my mental health daily and my family and our daily life - its aweful and torture
Consumer complaint received 2017-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On  XXXX   XXXX  ,2016 I did  a ACH Debit from m y Chase acco unt to a money transfer service call  XXXX  in the amount of {$590.00} the money was sent to a  XXXX   XXXX  in  XXXX ,  XXXX  well the money was never received by  XXXX . Now my wife also sent  XXXX   XXXX  money using  XXXX  on  XXXX   XXXX  ,2016 in th e amount of {$1400.00} which she never received. My wife and I found out about this issue around the end of  XXXX  that  XXXX  never received the total of {$2000.00}. We contacted Chase as soon as we found out which was at the end of  XXXX  and also in the first week of  XXXX  we told them about this claim. Chase advised us to go put a claim with  XXXX  go through the process with them if they do n't help you call us back and Chase will honor the claim.  A Chase Claims Manager e ven advised me to take  XXXX   XXXX  to court because that 's the bank that  XXXX  used for the transaction so I did. I paid court fees pulled my daughter out of school and my daughter had to sit in court all day till evening with me because I had no one to take care of her my wife had to work she could n't take off. So when my  case came up the Judge told me that I am going after the wrong bank he said Chase should be here. So it was a total waste of time I followed the advice of Chase Claims and the Manager that   advised me to take  XXXX   XXXX  to court. After all of this running around which took a few months I calle d Chase Claims back and they still  refused to refund our money back and the excuse they used is that we are calling for the first time in  XXXX  which is a total lie. So this is where my wife and I are with Chase I called Executive offices as well and they give me the same excuse about not calling sooner when I and my wife did. They are playing a game of it 's my word against theirs and it 's not right and not fair. I followed every bit of information and advice they gave me from  Claims Customer Service to upper Management and they refuse to help us. We called and follo wed their advice and now when we call back they will not honor it should you need any proof of the transaction in I can fax them over if you contact me thank you for your time.
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (IN)

On XX/XX/XXXX I received 2 notices that I applied for credit cards and I did not. I did get a response from XXXX XXXX and not so much XXXX XXXX. Even I know I can't apply for credit cards because my credit is bad at the moment
Consumer complaint received 2021-11-18
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)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Name : XXXX XXXX XXXX XXXX XXXX Wrong Addcress : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2021-11-18
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. (NY)

XX/XX/2021 XXXX XXXX XXXX {$2500.00} XX/XX/2021 XXXX XXXX # XXXX {$2000.00} XX/XX/2021 XXXX # XXXX {$2900.00} On XX/XX/2021 and XX/XX/2021, the charges above were made with my credit card. 

I notified the bank immediately that the charges were fraudulent. However, after they investigated, the found that my physical card was used and because it had a chip in it, determined that I was liable. 

The problem is that I opened the account on XX/XX/2021. However, I never received the initial card. Some time before XX/XX/2021, I reported that I never received the card, and requested a new one sent to me. Importantly, I asked the representative to cancer the initial card since it was lost or stolen. However, he may not have canceled the first card before sending me the second card. On XX/XX/2021, I found the 3 fraudulent charges above and reported them to the fraud prevention team. 

After the Chase investigated, they said that I was liable for the charges because a chip card was used and it is nearly impossible to counterfeit those cards. It may have been that the first card that I never received was used. If so, I should not be liable for those charges since I did not make the purchases and the representative should have canceled that card when he sent me the second.
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Neon Newco Corporation (PA)

I received an alarming email from Netspend with the subject line " Action Needed for your Card. '' I did not, and have never, applied for a credit card with this company. I checked my credit report via XXXX and I do not see any recent inquiries, so either this ID theft that isn't showing on my credit report, or this is one of the most deceptive advertisements for a card I've ever seen. If it's just an advertisement, I would call this a XXXX violation. 

Please investigate potential ID theft. I am attaching the email I received.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

My bank card information was stolen and used for {$920.00}. I gave all the proof including a police report and information from XXXX. Chase bank still havent refunded me the money that was stolen out my account. The bank said they already returned the money back to XXXX so they cant file another claim. Chase bank said they are sorry they didnt have the police report. My account was never properly investigated. I gave a police report months ago and now the time has run out per chase bank and they cant submit the claim again so I can get my money back. Chase bank also didnt put the proper claim in per XXXX
Consumer complaint received 2021-11-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America ( account XXXX ) is now holding a current mortgage note reporting on my credit that DOES NOT contain my signature. I did not approve of this modification and I would have never agreed to these terms had I been given the opportunity to review these documents. XXXX XXXX assumed liability of this mortgage when it was serviced by XXXX and approved of these terms, clearly without review. XXXX approved releasing me of all liability through a modification and then assumption in XXXX, then transferred the mortgage to Bank of America. However, Bank of America is still reporting this to my credit. I am not on the NOTE or the Deed to this home. 

In XX/XX/XXXX, the balance on the Bank of America loan was {$530000.00}. In XXXX, I was removed from the Note and the Deed while being serviced relief by XXXX Mortgage. From that date until XX/XX/XXXX, after heavy research, {$100000.00} was added to the loan for unpaid installments, interest, late fees, other fees and costs, etc. The payments were only {$2500.00} which included escrow. This is a gross overestimate of added fees and this is unlawful. 

Bank of America ( service relief by XXXX # XXXX ) increased this loan amount ( account XXXX ) by {$100000.00} for late fees and interest according to these documents. In XXXX of XXXX, {$140000.00} was deferred for a principal adjustment, another erroneous number. In XXXX, this loan amount was {$490000.00}. Now, XXXX  years later with no cash out refinancing ever done, its totaling {$610000.00} - interest bearing and non-interest bearing- due to fees and interest In XX/XX/XXXX, Bank of America again began servicing this loan, after I was removed and their records shows a principal adjustment of only {$140000.00}, and a balance of {$380000.00}, which would be a total balance of XXXX, not the XXXX. I have attempted to write Bank of America, email, call, etc. for XXXX years now and no one ever gets me to the right department. No one calls me back. Everyone says they'll look into it but has no answers for why my signature is not on the current NOTE being held by Bank of America and why the balance is incorrect. This is affecting my credit, one, because its not my loan, and two, because of the terms and conditions ( balloon, erroneous loan amount, illegal amount of deferred interest ). The balance is reporting as HIGHER than the high credit limit and the loan has been established for XXXX  years. This is fraud on so many levels.
Consumer complaint received 2021-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc. (TX)

Merchants and professional collection bureau, inc put XXXX on my credit that I don't owe. I called the XXXX XXXX XXXX XXXX XXXX where they claimed the bill came from, they to me that I don't owe them any balance, that the Collector is not their collecting agency. I called Merchants and Professional collection Bureau to dispute the bill, they refuse to remove it from my credit report demanding my husband and I to pay the bill. In XXXX  the XXXX XXXX XXXXXXXX XXXX sent me a letter that their billing system was hack into and my medical records and personal information was compromised.
Consumer complaint received 2021-11-18
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. (CA)

Last several months, I have sent in complaints because Transunion is not removing this false bankruptcy. Yet they also have not provided any documentation proving that this bankruptcy record belongs to me. Fortunately, all complaints I have sent are here on file as proof of their negligence to remove this false bankruptcy.
Consumer complaint received 2024-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (IL)

Ive experienced nothing but XXXX and issues with Robinhood. Using their account as a brokerage, and to buy crypto. Theyve made my life an absolute nightmare. Ive had Robinhood for a number of years, and hated it. I recently decided to give them another chance on the platform last month and put in {$50000.00}. That was my daily limit. Shortly thereafter, and being XXXX in/ forced to pay Robinhood XXXX ( which should be illegal ), they lowered my limits to {$1000.00} deposits per day and sending only {$1000.00} a day in cryptocurrency ( from {$5000.00} ). They wouldnt get back to me as to why this was happening. They then froze my accounts and asked me to provide a bank statement, which I did. Then they emailed me back saying my account was unfrozen and I could continue transferring/ investing with the {$1000.00} a day deposit and {$1000.00} a day withdraw limits. They continued to XXXX me off. They locked my account once again about a week ago, and demanded a selfie. I submitted a selfie and that wasnt good enough. Then they asked for the same information from last month- a bank statement! How stupid are they to request the same document over and over again? I sent it to them. Then that wasnt good enough. Then they needed me to speak to them on the phone ONLY AT CERTAIN AND EXACT TIMES THEY CALL. They left no number or direct contact line to return the call. This was from a guy named XXXX. I then took off work awaiting his call the next day all morning to take the call. He asked me various questions- why I returned to Robinhood, where I got my money from, why Im interested in using the platform, why my phone number changed, what devices are logging in, etc. He then told me that my account should be cleared up and resolved by the end of the day ( this was 2+ days ago ). I never received a letter or email like he promised, and I had to follow up last night because my account was STILL locked. I was unable to sell or withdraw my crypto or stocks during bitcoins peak, because of this. Theyre holding everything hostage, despite a mountain of information. Today, I received an email saying theyre closing my account. FOR NO REASONS. After XXXX blatantly lied to me and said there would be no restrictions. These people are scam artists! Theres kids XXXX  themselves over Robinhoods mistakes! A significant amount of my money is on their platform and XXXX said Id be able to get access to it back in no time. Nothing but liars! I submitted with my other brokerage for my assets and stocks to be transferred so I dont have to sell and take a tax hit. These people XXXX! Please CFPB help me get my money back from these evil people! This company should be BANNED! Its not a real crypto broker or a real brokerage! Theres nothing but issues with Robinhood from millions of people! Just going to use my real legitimate brokerage from now on - XXXX XXXX! Please CFPB get my money back from these evil crooks!
Consumer complaint received 2021-11-18
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. (CA)

Hello I have requested the bureaus provide me with proof that these are mine because they are not and they have yet to respond so I am moving forward with filing a complaint with the CFPB and if I am still ignored I will pursue legal action. I was a victim of identity theft I filed a police report with XXXX XXXX police dept back in 2015 which I am requesting a copy of this report from the police station. These accounts, addresses and inquiries are NOT MINE.
Consumer complaint received 2021-11-18
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)

Hello I have requested the bureaus provide me with proof that these are mine because they are not and they have yet to respond so I am moving forward with filing a complaint with the CFPB and if I am still ignored I will pursue legal action. I was a victim of identity theft I filed a police report with XXXX XXXX police dept back in 2015 which I am requesting a copy of this report from the police station. These accounts, addresses and inquiries are NOT MINE.
Consumer complaint received 2018-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (TX)

I have disputed a debt with XXXX  5 times with a response that the account being reported on credit report has been verified and is accurate. I called XXXX today to ask them how they verifying the information is accurate and I was told by the agent that they verify with the company over the phone. I asked her if the are verifying with the number provided to me on my credit report and she said yes. I told her that I called thee number and its an incorrect number that the number provided is an automated service trying to sell me different things. She then provided me with an alternate number which I hung up and called the new number and its the same automated service trying to sell me things. I called XXXX back and told my story again and told them I have disputed this account 5 times with them and even called the original creditor being reported with no records I owe this debt. I have sent multiple certified letters to XXXX and XXXX  and the company provided asking to be provided with viable evidence this is my account but I get nothing but an XXXX   agent telling me they verified the information by a phone number that is an incorrect number. It's a scary thing that XXXX hold my lively hood in their hands but the told a bold face lie. If they had verified the debt with the number the provided then they would know its a fraudulent account and I wouldn't be dealing with this for over a year. The account being reported is Paramount Recovery System with no account number provided and the address is incomplete and the phone numbers are incorrect. Please explain to me why this is being reported on my credit still?
Consumer complaint received 2021-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

I have an account on www.coinbase.com where I trade with money and criptocurrencies. 

When creating the account, they verify my identity and I have been working without problems up to now. 

For about XXXX weeks, they have blocked my account because, according to them : " Right now your account is being reviewed and we need some time to verify your information. During this review, you will not be able to use Coinbase. Reviews usually take a few days. '' I have contacted them through their email support and they tell me to upload my identity documentation again and enter my personal data. I have uploaded it multiple times, both my driver 's license and my government identification card. 

They have closed the case but have not unlocked my account, so my account is blocked since it is always under review, so XXXX cant work with the platform and have my money blocked ( XXXX ). 

Coinbase case # XXXX XXXX XXXX