davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2020-10-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (OH)

On XX/XX/XXXX opened services with companyFair Collections & Out about XXXX XXXX XXXX. Had to break lease due to family emergency and move back to Ohio. Contacted Company numerous of times. Balance Currently Shows {$3500.00}. Would love to be forgiven and removed off credit, because of the damage its doing to my credit report. 

On XX/XX/XXXX account from XXXX was closed and charged off with balance showing {$0.00}. Please remove from all credit bureaus, account is in good standings. Cant reach Company On XX/XX/XXXX account for XXXX XXXX Was opened and closed with a balance of {$110.00}. Had to leave on emergency to go back to ohio. Please forgive and remove from credit On XX/XX/XXXX account for XXXX XXXX was Opened, account is in good standing and paid off and updated on XX/XX/XXXX. No longer have credit card or access to it. PLease remove account from credit please
Consumer complaint received 2024-03-29
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC (NC)

This company has harassed my entire family. They have contacted my ex-husband who had XXXX connection to me. They have left my first and last name and the reason for calling on family and friends voicemails. They have contacted my landlord who has XXXX relation to me. They have left personal information of mine on friends voicemails after being repeatedly asked to receive proof of debt then continued to lie and say they only did it once. I have proof of more than 37 calls dating back to 2022 to friends and family and this has invaded my right to privacy.
Consumer complaint received 2020-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I opened a Chase checking and savings account package on XX/XX/XXXX and transferred {$15000.00} into the savings account next day. A few days later, Chase closed both accounts and held my fund. In order to release my own money to me again, I was instructed to visit a Chase branch during the pandemic with two forms of identification. 

The whole thing feels like a scam now and the process is just plain ridiculous. Why would a bank open accounts for you and accept your money, only a few days later, claiming they couldn't verify your identity and hold your money? If it's really to protect the customers, why don't you ask for verification before opening the account and why would you ask customers to go to a branch during a pandemic? Not to mention I already have a few Chase credit cards and have been a Chase customer for years - why suddenly my identity becomes a problem?
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX  add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, AMEX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-06-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have noticed I have many instances of misinformation reported about me, either the misinformation stems from inaccurate reporting, incomplete reporting, reporting of unverifiable information, reporting invalid information, fraudulent reporting of information, or reporting of information I believe is due to identity theft. I have no knowledge of how the misinformation stemming from the above came about to be. I have not authorized misuse of my personal, financial or any information. I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. Please physically verify the validity of any and all notations, every date, the balances and calculations, each accounting record, whether reported or not to include required Metro 2
Consumer complaint received 2019-11-06
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. (SC)

I am a victim of identity theft and submitted documentation to TransUnion about account XXXX XXXX XXXX   XXXX. The account was blocked and removed from my credit file only to report again with a remark " Account information disputed by consumer, meets FCRA requirements ''. XXXX XXXX XXXX or TransUnion has not provided the documents and other evidence to disregard my identity theft report. If XXXX XXXX XXXX can not provide original documentation of when where and how this account was opened. This account should be removed immediately. If account has not been removed from my credit file I will sue both TransUnion XXXX XXXX XXXX XXXX in small claims court for FCRA violations and punitive damage. I demand that TransUnion XXXX XXXX XXXX XXXX send all documentation they used to verify account XXXX.
Consumer complaint received 2019-02-20
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

A credit card was open fraudulent in my name with capital one ending in XXXX. Capital one is reporting fraudulent activity on my credit report and refusing to do a thorough investigation. My identity was used to open a credit card at capital one bank while i was out of the country. 

I need capital one to take responsibility and accept that they didnt take the necessary steps to protect my identity and avoid fraud. I want the fraudulent account deleted. 

I have attached documents of when I was out of the country, a copy of the police report and a letter from my bank for the fraudulent payment made.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible
Consumer complaint received 2021-06-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I am distressed that Credit Bureau has included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my signature. 
1. The status is incorrect for the following account. Balance is wrong. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Date of opening account is wrong. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc. (CA)

On XX/XX/2022 My Wisely Direct by ADP Account information was obtained/stolen by a card skimmer from a ATM. Wisely advised me to use this ATM on their provided cell phone app. A total of {$1900.00} was then removed from my account in 7 different transactions at different ATM locations. The physical card was and is in my possession the whole time. Wisely by ADP has a " Zero Liability Policy '' in which my funds should be protected from fraud. I have filled a police report and a claim with Wisely but they have refused to credit my account for my loss. 
Wisely case # XXXX Police report case # XXXX XXXX Police department
Consumer complaint received 2019-11-06
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-03-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

recovery portfolio has consistently contacted me via phone calls to collect on a closed and written off account. which I have told the advisors that called I am not paying a debt that will not remove the debt from my credit report I initially contacted this company to pay the debt the company informed me that it was in collections and was written off. After viewing my credit report, it was a written off account. once contacted by the collection agency I said this is a written off and closed account therefore I will not pay this account and asked this company to refrain from calling me. and all of this occurred in XXXXXXXX XXXX, I also asked an advisor if in the event I were to pay this account would you remove it from my credit and the advisor stated they would not. therefore, I advised the agent I would not arrange a settlement or pay that written off account due to the original debt holder has insurance and closed the account and wrote it off and was compensated for it. Now once it has been on my report for 7 years it will fall off so I will wait it out. I want this company to cease contacting me concerning a closed and written off account.
Consumer complaint received 2021-09-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I have an account at Coinbase. I have bitcoins and ethereum with them. 
My account has been blocked since more than two weeks. They say they are verifying my information, and that they need a few days. As i say it's been more than two weeks with my money blocked.

Try to reach the costumer service, but there's no such thing. Its an automatic email service. Impossible talk with someone on the phone. 
I think that i've been robbed. Simply as that
Consumer complaint received 2017-09-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Green Trust Cash, LLC (PA)

In XX/XX/XXXX I was applying for a loan this company said it would call to verify info.. i never talked to anyone I have a screenshot from there web page that says no money will be deposited till they talk to me.. I also needed to edit my weekly pay and it would n't allow me it kept going back to XXXX weekly .. who needs a loan with that kind of money.. I 'm a XXXX and my pay is around XXXX-XXXX weekly and my payments are XXXX a week it can not afforded these payments .. this company is located in Montana
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (VA)

I went to myequifax.com to request a free credit report and after entering all identity data correctly, equifax generates a nonsense message to call them. When you call the number provided they say to do it online.
Consumer complaint received 2021-07-20
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: The Bureaus, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX The Bureaus, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Via U.S.P.S. Certified Mail/Return Receipt # XXXX Re : Alleged Original Creditor : XXXX  XXXX Alleged Original Creditor : Account number : XXXX XXXXXXXX XXXX Debt collectors Name : XXXX The Bureaus Inc. 
Debt collectors account number XXXX Alleged Debt Amount or Balance : {$500.00}. 
Debt collectors account number:XXXX Dear the Bureaus , Inc . 

I recently received communication from you to collect the above-listed alleged debt. 
Your initial communication to me in attempt to collect he alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to CRAS to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Enclosure CC : Consumer Financial Protection Bureau via fax and or email @ XXXX
Consumer complaint received 2021-01-06
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. (TX)

Dispute submitted to XXXX, Equifax and XXXX  on XX/XX/2020. The reporting agencies have failed to removed the items being disputed, I am a victim of identity theft.
Consumer complaint received 2017-09-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/XXXX I made a regular payment of {$400.00} by check. Wells Fargo Dealer Services misapplied this as a principal payment and charged me a late fee. 

XX/XX/XXXX LATE CHARGE ADDED - {$16.00} {$0.00} XX/XX/XXXX PRINCIPAL RECEIPT {$400.00} {$11000.00} Description Details Effective Date XX/XX/XXXX Principal {$400.00} Posting Date XX/XX/XXXX Next Due Date XX/XX/XXXX XX/XX/XXXX REGULAR PAYMENT - OTHER {$400.00} {$11000.00} I called and was bounced around their call center as they stuck to the claim that I had requested it be applied to principal only. I asked for a copy of this and was refused.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CO)

Dual Factor Authentication The problem I was experiencing was related to the Dual Factor Authentication procedure for both the website and mobile application. After switching phone carriers, I was unable to select my phone number as valid method to receive a one-time code to authenticate my online account. It was on my third call to Chase and escalating the conversation to where I was connected with a technical representative who was able to solve the issue within minutes. I was informed that the root cause of my issue was because I switched mobile phone carriers and the original authentication message was sent to the old phone provider and returned back as a bad phone number. Because of this my phone number was put on a blacklist and was not able to be used until they removed it from it and reconfigured it. 

I had contacted Chase Bank about this issue three separate times. The complaint is in regard to the frontline customer service troubleshooting procedure. On all three calls when speaking to the first associate who answered the phone, I was informed to disable my Dual Factor Authentication as a method of resolution. 

The main concern I have is in regard to Chase 's policy and procedure to inform consumers to remove the Dual Factor Authentication as a method of resolution as a first line of problem solving when they clearly have other resources to help solve their issue. The solution to remove the Dual Factor Authentication as a process/procedure creates online account take over vulnerability for all consumers who follow that direction.
Consumer complaint received 2023-01-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent a dispute to Experian more than 60 days ago and still no response I will like these accounts delete. This company never responded to my dispute for accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX and XXXX did an investigation and deleted all 3 of these inaccurate accounts. It is this company 's duty by FCRA and FTC to report precise and accurate information. below are the results from the other 2 Consumer reporting agencies that deleted these accounts.
Consumer complaint received 2022-04-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MO)

The reason I'm filling this dispute out is because the company I've went through which is a third-party company of XXXX insurance has put an inaccurate collection onto my credit this year after canceling my policy last year. On XX/XX/XXXX of last year, I canceled my policy due to cost. I continued to tell the representative that after this month, I am canceling my policy so take me from their scheduled system of auto-pay since I won't be using their company for insurance anymore. The representative didn't cancel, nor did they take me from their payments, after me asking them to, charging me an additional XXXX for a policy I had already canceled on XX/XX/XXXX of XXXX. They continued to charge me for a policy I canceled. I have messages ( text which was one of the only ways that the representative communicated ) from the representative proving that I asked of these things, with no reply nor did they tell me that they didn't cancel it after I canceled it and informed the representative that I am canceling and would not want to use their insurance policy anymore.
Consumer complaint received 2020-11-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICA FIRST FEDERAL CREDIT UNION (CO)

America First Utah XXXX closed my account I had for 35 years without a call to me. My direct civil service account is direct deposit. Once my wife called about the problem I changed to XXXX AFB but the problem becomes two fold. It doesnt take effect until XX/XX/2021 and misses 3 payments. I am without funds over the holidays for reasons unknown. The direct deposit is a 30 day delay and then it hits on the wrong date due to change thats 60 days without retirement pay. Someone really messed me over.
Consumer complaint received 2019-02-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (FL)

On XX/XX/2019 I received notifications from XXXX, XXXX XXXX and XXXX. I contacted the contacted XXXX XXXXXXXX XXXX XXXX XXXX. I explained to them that I have no Knowledge of this debt be owed. They told me also they did not have my address???? I gave them you address and the youn lady said she was going to try to resolve this. I told her I have no documentation of this and she named my bank and said I had paid $ XXXX years ago. She also said she was going to send me documents regarding the debt. They are in clear violation of the of the fair credit collection act.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items ( 1 ). ( A ). 

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