davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-16
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. (TX)

XX/XX/2021 I sent dispute letters to XXXX and Experian about a bankruptcy listed on my personal credit report with several errors. They both came back as verified and accurate so I sent the information to the Bankruptcy court to get the issues fixed. However I was given a letter directly from the court staying they do not give any information for credit agencies good or bad. They do not report to any Credit agencies. So this means this information wasn't verified like they said it was.
Consumer complaint received 2021-04-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (IL)

Hello this is XXXX XXXX i am a XXXX XXXX. i have sent out a 30 day 609 validation later and a 15 day vitrifaction letter for my client XXXX XXXX. i have sent out the 15 day letter out on XXXX XXXX and the 30 day letter out XX/XX/XXXX XXXX i haven't received any response back from the 3 credit bureaus XXXX , XXXX and Equifax or we haven't seen any changes on her credit report. it has been passed over 90 days now. they have field to provide her proof that the debt is hers. she contact them numerous of time and told them that there is incorrect information on her credit report. i reported to them to delete incorrect information such as, addresses, names, jobs, car loans and they have field to do that as well.
Consumer complaint received 2017-12-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

On Friday XX/XX/XXXX I purchased {$490.00} dollaras worth of Ethereum from Coinbase using a debit card. These transaction are processed and credited instantly. Well it is now XX/XX/XXXX and I still have not recieved the property that I have paid for. I have sent multiple support tickets that have not been answered within in 72 hours nor will they answer their support office phone.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

there are two dismissed bakruptcies on my credit reports with transunion XXXX  and XX/XX/XXXX that are not supposed to be on there and none of the companies will remove them also there are a bunch of fraudulent inquiries on my reports that i did not apply for
Consumer complaint received 2021-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I received a SBA loan as a self-employed individual ( XXXX XXXX ). SBA was aware of my status when the loan was approved and issued the funds. I received the funds in my personal Chase checking account and a couple of days later Chase froze my account, including funds previously held in that account and unrelated to the SBA loan.

I provided my 2019 income tax and Schedule C as proof to no avail.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (OH)

Class Action Lawsuit against Santander USA during this time against the Fair Credit Report Act ( FCRA ) violations or Fair Debt Collection Practices Act ( FDCPA ) violations. 

Negative remarks are crippling my score from a XXXX+ to a XXXX when pulled for a new auto loan. 

Only negative remark on my score. Account has been closed for over 5 years. 

This is crippling in today 's society. 

Acct : XXXX
Consumer complaint received 2021-04-08
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. (WA)

I have submitted a dispute with Experian and they keep responding that XXXX certified accurate. That is impossible because I have never had any account they claim.
Consumer complaint received 2021-04-08
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. (IL)

ON XX/XX/18 XXXX XXXX XXXX OPENED AN ACCOUNT IN MY NAME. I AM UNABLE TO VALIDATE THIS DEBT AND HAVE REASON TO BELIEVE IT IS FRAUD. 

TO DATE XXXX, HAS REPORTED {$430.00} AS A COLLECTION ACCOUNT. I AM UNAWARE OF THIS ACCOUNT AND DID NOT AUTHORIZE IT
Consumer complaint received 2022-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Winklevoss Exchange LLC ()

XX/XX/2022 I have an account with gemini, and they suddenly froze my account. I have attempted to reach out to them, they keep asking me to send pictures of myself with my ID for verification. I have completely done this verifications for about 4-5 times without any response from them, I would like for them to reactivate my account, or return my funds, I'm scared that I would lose all my money and this is creating a lot of tension in my family, I need my money back. I was able to log in earlier but now I can no longer log in because my account is frozen and I dont know why, please help me get into my account so I can withdraw my money back thanks.
Consumer complaint received 2021-04-08
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. (CT)

On XX/XX/2021 I requested that XXXX, Equifax and XXXX send me a copy of my credit report and how they verified that accounts on my credit report. I believe that there are items being reported incorrectly on my report and I want to know how this account were verified and by who.
Consumer complaint received 2023-01-19
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. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-08
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: EQUIFAX, INC. (TX)

I Can see Activity In My XXXX XXXX  That I Applied For The XXXX  XXXX XXXX  XXXX Credit Card. But I Did Not Applied for Any Card I only Have Two Cards with XXXX  XXXX XXXX  No Other Card. And It's a Hard Inquiry. May be someone use My Identity. Because I called XXXX XXXX XXXX  and they said they can not see any new account open. please Check what is going on. Because I am worried. My credit Score is very good right I do not loose my score because I am planning to buy a house.
Consumer complaint received 2021-04-08
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: Experian Information Solutions Inc. (CT)

On XX/XX/2021 I requested that Experian, XXXX and XXXX send me a copy of my credit report and how they verified that accounts on my credit report. I believe that there are items being reported incorrectly on my report and I want to know how this account were verified and by who.
Consumer complaint received 2021-04-08
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: WELLS FARGO & COMPANY (NY)

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2021-04-08
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: Navient Solutions, LLC. (NY)

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2022-01-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada) (FL)

XXXX reported an alleged account from XXXX now known as XXXX. My first knowledge of this debt was via email from XXXX which I never gave authorization for them to use. I am victim of fraud, so I responded asking for the original attempt to collect a debt that should've been sent via mail. XXXX ignored my email replies and continued emailing scripted responses and harassing me via telephone. XXXX has now re-aged this account that was originally reported to the credit bureaus XXXX and XXXX with the first date of XX/XX/XXXX by closing this account as of XX/XX/XXXX and re-inserting it under a different name XXXX with a new date of first delinquency XX/XX/XXXX. This is a violation of the FCRA and my rights as a consumer. My credit report has been ruined which is causing hardship for me and my family. I will upload my police report and email exchanges with this company. I have also filed a complaint with the XXXX XXXX XXXX and the state attorney 's office.
Consumer complaint received 2020-08-31
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants Acceptance Corp (IN)

I called the company in XXXX, XXXX, XXXX, and XXXX to try to make a settlement concerning my bill. Now the company has sent my account to a third party and I have tried to ask them for a settlement as well and they do not want to work with me to get closer for this account. I can not afford to pay them, however at this moment I don't have a lot of funds to pay them off. Yet, They still call to ask me for the money.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

As shown on my credit report it shows 30 days late in XX/XX/XXXX and XX/XX/XXXX but I paid on time as shown by my XXXX  report please correct this inaccuracies as paid on time
Consumer complaint received 2021-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (TX)

Was not notified properly about these erroneous accounts that have went into collections that appeared on my credit report. 

XXXX XXXX XXXX  XXXX - - XXXX XXXX XXXX XXXX - -
Consumer complaint received 2021-04-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (NJ)

I have had this debt for XXXX years and have paid it on time, every month. Due to the covid pandemic I lost my job and alittle bit of my way. In XXXX, I paid {$190.00} XXXX  days late, which incurred a late fee. Then in XXXX, I paid XXXX times by accident of a total of {$390.00}, incurred another late fee, but it was ON TIME and OVER the amount. XXXX, I paid XXXX again, {$390.00}, received another late fee was received. I finally called and the executive office said don't worry they would investigate it and get it resolved and send correspondence, received nothing. Still getting late fees every month. Where did my money go? Did they steal my money and charge me late fees??? If this isn't fraud I don't know what is? 

XXXX # XXXX Spoke with XXXX XXXX XXXX from the corporate office This bank should be shut down for fraud, negligence, robbery, these are a bunch of XXXX. SHUT THEM DOWN. I want my late fees waived and my money put to my account. They have {$780.00} of my money! It mean nothing to them as they steal more than that I am sure, but for someone who is unemployed, not getting unemployment, that is a matter of feeding my XXXX children!
Consumer complaint received 2020-08-31
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. (NC)

I have sent in proof multiple times proving I do not nor have not lived at the XXXX XXXX address associated with this account. This account has been removed then placed back only my credit multiple times and I would like to see it removed permanently with the ability to be added back removed as well. There is an address and derogatory closed account attached to this complaint that I would like resolved.
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

I made a {$200.00} payment from a bank account i was having issues with ( since closed ) which caused a late payment XXXX XXXX 2020 period ) and I immediately paid the {$200.00} in two payments of {$100.00} from my other bank. I sent paperwork from closing account via secure message showing the 200 should not have been returned, which they stated they received. The {$200.00} was above the amount due. Chase in turn closed my credit card account due to my credit report ( which I am disputing some incorrect information items. ) I asked them to reconsider and they refused.
Consumer complaint received 2020-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

A Chase XXXX-XXXX  transaction was erroneously sent on XX/XX/20 in the amount of {$480.00}. I've explained to Chase the issue and asked for them to work with the institution that received funds to reverse the transaction. I need someone from Chase who can help. They advertise there XXXX with XXXX as a fast, convenient, and safe way to send money. However, sending money to the wrong person is fraud. 
I tried contacting the person who received the money and they have responded.
Consumer complaint received 2021-04-08
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. (PA)

XX/XX/2020 : I sent a certified letter to Transunion requesting they verify the bankruptcy report on my credit report. They responded that the information was verified by XXXX. XX/XX/2020 I sent a letter from the court and confirmed that the bankruptcy was not verified by XXXX and removed from my credit report. I sent a copy of the letter from XXXX and the courthouse to Transunion m, so they would remove the inaccuracy. Transunion did not remove the information and is refusing to reopen investigation.
Consumer complaint received 2020-12-09
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: EQUIFAX, INC. (CA)

I am filing this report because today XX/XX/2020 I applied to XXXX XXXX XXXX  but unfortunately I was not approved because apparently there are several accounts in negative standing appearing on my credit history. I looked through my credit report and I saw many accounts from different companies that are not mine as well as addresses that I have never lived at. I don't know who these accounts belong to but I did not allow anyone to open these or any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I am not affiliated to any of the companies listed on this report ; I do not have any contract or agreement with them nor did I ever give them permission to run/access my credit file. I have filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report.
Consumer complaint received 2021-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (OH)

I ACH payment with XXXX XXXX on XXXX of XXXX of XXXX although the balance was XXXX as my credit line was XXXX we spoke on several different times concerning my account. As I had insurance to cover the credit card as the payments where being paid every month for six months. Next XXXX XXXX blocked my card. I never charged anything although the statement said a charge was made on my card electronic. When I asked about it XXXX XXXX just asked for money. Now Midland Credit Management as of XX/XX/XXXX is bringing my credit score down as if XXXX XXXX has my credit card open by {$1.00} decrease causing my credit score to drop by XXXX points. As of XXXX I then again went on Midland Credit Management and paid another XXXX online. As Midland Credit management continues to bill me by mail as if I didn't have a confirmation number with the payment online with my information. Next I noticed Midland Credit management has two different personalities one  in XXXX XXXX, California and another in XXXX, Mi playing one location against the other over and over again on my XXXX  when I disputed a few times before it was deleted and here Midland Credit management again. And the same things happened with the XXXX XXXX XXXX  XXXX as over XXXX people are filing complaints similar to what happened with my credit card with XXXX XXXX XXXX  secured credit card.
Consumer complaint received 2021-04-08
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. (CO)

Tried to PULL my free credit and was able to get 2 of the 3 but Equifax is blocking me when I answered all the questions correctly. They are intentionally forcing me to send them a letter with copies of my ID as a way to slow the process down because they may be reporting false information against me. When I do a XXXX search many people have complained about this. This company is hiding something and I am demanding that I geet a copy of my credit report and immediately online access.
Consumer complaint received 2021-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MO)

I've been a customer of PayPal since XXXX. 

On XX/XX/XXXX at XXXX I receive an email from PayPal that I can no longer do business with them and my account is permanently " limited '' ( in other words, banned ) because they detected my account was created using either fraudulent or stolen information. 

I've been a customer for 10 years and all information is completely valid. I immediately called PayPal customer service and spoke to an associate named XXXX. XXXX refused to tell me why my account is being shut down and I offered to resolve any questions they may have to which he responded that they will not go into specifics with me. 

I asked to speak to a XXXX and spoke to XXXX. XXXX also did not try to help me resolve the issue and would not provide me with any information. 

This is completely unfair to me as a consumer as PayPal is not acting in good faith by not letting me appeal their decision and share documents that will confirm the validity of my account. 

The account was opened legally by me and I can prove it upon request.