davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank has shutdown my account without warning back in XX/XX/XXXX since than I have had sever conversation with bank representatives and followed up without much of a fuss, but I have gotten the run around for the last 8 years of trying to resolve this issue as during that time of XXXX I was facing battling identity fraud and I have recently been able to recover a bit I have informed chase of this issue and provided any information they requested at this point I have nothing else to turn to but filing a complaint after 8 years of tackling this issue.
Consumer complaint received 2018-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation (TX)

I have been a Victim of Identity Theft for many years. I have tried many times to speak with this collection department and have not been able to get a contact person as either I get hung up or they send me to voicemail. I have frozen my credit report for all 3 agencies as somebody is working under my social security number and also getting information.
Consumer complaint received 2024-03-18
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc. (FL)

I have a serious complaint against PROFESSIONAL DEBT MEDIATION concerning your collection practices related on account, purportedly initiated on XX/XX/2018, carrying an outstanding balance of {$3000.00} ( Account number **** XXXX ). I have not given PROFESSIONAL DEBT MEDIATION permission to access or report information on my credit profile. This unauthorized action has caused me significant distress, leading to credit denials. PROFESSIONAL DEBT MEDIATION may have breached specific laws below and violated my rights : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : PROFESSIONAL DEBT MEDIATION has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) But yet still placed a collection on my consumer report without informing me prior.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute this inaccurate information, this is a violation of my rights as a consumer. 
PROFESSIONAL DEBT MEDIATION is violating my consumer rights by using false, misrepresentation, misleading and deceptive means to collect this debt. 
Their collection agency has no authority to furnish any account/s to a consumer reporting agency without providing any and all disclosures required by law. They are in clear violation of Violation of 15 USC 1681-s2 ( 7 ) ( a ) and 12 CFR 1006.34 ( D ) : This section of the Fair Credit Reporting Act ( FCRA ) prohibits the unauthorized access of a consumer 's credit report. PROFESSIONAL DEBT MEDIATION actions may have involved unauthorized access to my credit report, which is a direct violation of these statutes.
Consumer complaint received 2022-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TN)

My name is XXXX XXXX and I am filing this complaint against Discover bank on my own behalf, as a Federally Protected Consumer, without any connection or involvement with any third party. On XX/XX/XXXX, I submitted a validation of debt letter asking Discover to provide the following information within ten ( 10 ) days : 1 ) The identity of the original creditor, 2 ) Verification of their claim against me ( a sworn affidavit or a hand signed invoice ), 3 ) Copies of the contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX, the natural person, and Discover Bank, that prove I agreed to pay the alleged amount, and 4 ) Validation of the alleged debt ( the actual accounting. ) I told them in my letter that if they were unable to provide the above information within the 10 day period, then the account must have a zeroed balance and left open in good standing, so as to not cause anymore damage. I also asked for a certified mail copy of such be provided to me for my records. As of XX/XX/XXXX, it has been 14 days since Discover has received this mail, and I have not heard or received anything back besides the certified mail receipt that shows they got my packet. I made copies of what I sent Discover via certified mail and have attached it to this complaint along with the certified mail receipt that shows Discover has received it.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Equifax is reporting an old account on my report, via XXXX XXXX, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand XXXX XXXX provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both XXXX XXXX and Equifax. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe XXXX XXXX a dime, and they know it, and Equifax should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report.
Consumer complaint received 2018-03-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IN)

I have be using Coinbase and XXXX for cryptocurrency Investments, however on XX/XX/XXXX my account got " disabled '' for an unknown reason, I have tried contacting support multiple times since then but still have not gotten an answer or a solution. I have access to my coinbase account, however my money is all kept on XXXX   which is owned by coinbase, when I try to log in it tells me that I need to contact support, but I get no answer from them. The account has over 8000 dollars in it and also some cryptocurrency of a value of more than 1000 dollars. I need to be able to access my XXXX  or have all my assets in XXXX  transferred to coinbase for me to withdraw them.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX  ; Experian and XXXX  should not be reporting each inquiry listed as a separate line item on my credit report for XXXX, 2020. These multiple inquiries in XXXX, 2020 are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. The XXXX, 2020 inquiries were run WITHOUT my permission. I NEVER gave permission for any of these inquiries to take place for XXXX, 2020. ( Please see pages attached from my credit report. ) These items need to be removed as well. This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2018-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TN)

XXXX XXXX XXXX XXXX sent bill for of XXXX for services rendered. This debt was sent to XXXX XXXX XXXX for collections. A settlement offer was sent for XXXX. This was paid by money order. No further contact was made in regards to this debt. A year later this debt was reported to the credit bureaus as an account still in collection for XXXX by Phoenix Financial services. This is incorrect as debt was previously settled.
Consumer complaint received 2018-03-24
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Someone my ex wife is using my social security number and personal information along with other people that stole my ID card to give her for use. Have capital one info in my name and social security number in never used or tried.
Consumer complaint received 2019-03-04
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. (TX)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on a loan with the XXXX partial account number XXXX. This account has a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2018-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Some time ago, I sent Chase a letter informing you that I will be sending a check with a conditional endorsement which laid out the terms of an accord. USPS shows that the company received this letter l as shown in the attached copy of my certified mail receipt below and according to USPSs mail tracking website. 

Also, attached is this letter is a copy of cashed checked which proves that they failed to honor the conditions set forth by the check to delete the negative reporting from my credit report. I have attached a screenshot of my credit report proving that the company broke the accord set forth by the conditional endorsement check they have cashed.
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (LA)

I am allowed by law to request and receive a free credit report each year from each of the XXXX credit bureaus. None of them give me any trouble accessing this information online except Experian. Each time I request my report each year it tells me that they are unable to honor my request and that I must request it by mail by sending them a copy of a government issued ID card and one copy of a utility bill, bank, or insurance statements, which if intercepted by mail, places my identity at risk. However, if I accept their membership and agree to pay a fee, they will immediately allow access to my report online instantly. I feel Experian is denying my free credit report and trying to make me pay money for something I am already legally entitied to.
Consumer complaint received 2020-10-20
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. (OH)

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be verified or removed immediately. 

XXXX XXXX Thank you for your prompt assistance in this matter.
Consumer complaint received 2018-03-24
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. (CA)

I have an account with experian thatbive been trying to cancel for 2 years and can not get cancelled. Theres no option to cancel on the website, Ive tried calling to cancel and can not get through to anyone at experian. Its a monthly recurring charge that has increased since it started.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Equifax ; XXXX and XXXX should not be reporting each inquiry listed as a separate line item on my credit report for XX/XX/2020. These multiple inquiries in XX/XX/2020 are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. The XX/XX/2020 inquiries were run WITHOUT my permission. I NEVER gave permission for any of these inquiries to take place for XX/XX/2020. ( Please see pages attached from my credit report. ) These items need to be removed as well. This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2018-03-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

When buying my first house, while shopping for a mortgage I decided to proceed with a certain bank based on a specific rate and no points. The bank representative suggested to proceed locking the rate and we did it ( looking back it seems I was just told it was ). 

Once the loan application was conditionally approved, a month later, a point was added to closing costs without informing me. 
I realized it the next day and immediately informed the bank, requesting to remove the extra point. 
The bank refused to remove the point, taking advantage of my necessity to close the purchase and mortgage asap in order to push me to accept the extra payment. 

Looking back at the documents provided by the bank, I recognize that wordings and fine prints might be against my position. But the description of the steps and explanations provided by the bank representatives along the process and the large amount of documentes requested every other day to feed the approval of the loan, put a first home buyer well in disadvantage against unfair treatment.
Consumer complaint received 2021-10-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: M&T BANK CORPORATION (GA)

Hi I sent M & T bank a right of recession notice and they are telling me they cant send me the proper form or disclosures. They informed me that I have to print it out or contact a lawyer. I was miss informed about the proper disclosures of a credit transaction and they have collected {$500.00} each month from me. And according to 15 usc 1635 they where suppose to respond within 20 days and return any money or property following rescission and I havent received anything or a respond. I had to call and find out about the information I disclosed. The contract they sent was very hard to read I had to send copies in different directions
Consumer complaint received 2018-03-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, I made a {$1600.00} US transfer to a friend via XXXX linked to Bank of America. My friend received a text message to her cell phone saying that she should receive the money soon. That never happened. 
I opened a dispute with the Bank but they dont want to return me the money, even when I have the screenshot of the text that my friend received.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

i opened a complaint with XXXX. you all provided information from XXXX as an answer to my dispute. i opened a complaint against XXXX relating to my dispute for paying for services that was initiated off of my debit card and i have provided proof of what was purchased and it not being received. i have opened dispute with capital one before for purchases i did not receive and this is no different. attached to this complaint is the response from XXXX this dispute is determined by the funding source and that is my bank capital one. the information you all provided back was the funds being sent and that is not the issue. the issue is i paid for services and did not receive them. there is no reason that you all have not done a chargeback because i provided all documentation surrounding this transaction. i am still missing {$1100.00} from capital one!
Consumer complaint received 2018-03-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of their inquiry issue from Trans Union, the Trans Union customer service does not provide help and dismantle customers. 
This is the worst experience I have experienced. After the call, I feel Trans Union are retaliated the customer, and added another hard pull to my credit report. The score was reduced by 7 points.Trans Union are illegal ( by section 6-11 ) add XX/XX/XXXX inquires back to my report on XX/XX/XXXX, after the phone call with there customer, make me became Trans Union victim of their inquiry issue again.By section 6-11, they are illegal do that, and they are add 7 unauthorized inquiry to my account since two month ago. all the unauthorized hard inquiries from my report should remove.
Consumer complaint received 2015-11-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (TN)

Back in XXXX of this year, Seterus XXXX opted me into a coupon program and stopped providing me with online statements. I had been paying on their website at the time and was retrieving my statements online. I did not ask to be opted into the " coupon '' program. I called in XXXX to have this resolved and was told that they were sorry. Then they opted me out of the coupon program and said I should be able to view my statements online. Subsequently I stopped receiving statements of any kind. I no longer received the paper statements by mail and was still unable to view statements online. On XXXX XXXX I called again and was told they found the problem and my XXXX statement would be available. I called on XXXX XXXX and was told that the statement had n't been issued yet and to call back in a few days. I called on XXXX XXXX and was promised a call back. I never received a call back. I called in again on XXXX XXXX and was told they had reached out and to check back in XXXX. I have asked to speak with a manager on multiple occasions and they have refused. To make a long story short, I 'm extremely frustrated. Calls to Seterus are getting me nowhere. I have spoken with XXXX at ext. XXXX and XXXX at ext. XXXX among others. I believe if I 'm paying them they have to provide me with a statement but they are unable or unwilling to provide this statement.
Consumer complaint received 2021-09-08
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. (NJ)

I received an alert less than 24 hours that there was a hard inquiry pulled by the two companies listed below on the dates provided. I called both companies and Equifax to tell them these inquiries are involved with fraud. I never authorize the hard inquiries. I ask to have them removed. Under the FCRA Legally the unverified and unauthorized items must be removed. Please help? 


XXXX XXXX XX/XX/21 XXXX XX/XX/21
Consumer complaint received 2018-03-24
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. (MD)

Several attempts have been made since XX/XX/XXXX by contacting XXXX  by phone and in writing to resolve the inaccuracies with the payment history of my credit reports. I have followed up with them every 90 days and have found no resolution to this issue. XXXX has made several 30/60/90/120 late payments reflecting that my payment has been late but I had my account continuously in forbearance due to financial hardship since they had ownership of my account. For the period of time they have me reported as late, my student loans was still with XXXX XXXX XXXX/XXXX. For some reason, when they merged accounts, it caused my accounts to be duplicated and incorrect. It seems as though the customer service representatives have no way of correcting this issue with finding pertinent information concerning the financial hardship request in there system. The inaccuracies starts as early as XX/XX/XXXX but my account did not transfer to XXXX until XX/XX/XXXX and at that time I contacted them directly to notify them that I was not in position to pay my student loan debt because I was contemplating on filing for bankruptcy and I suffered with financial hardship dealing with medical problems, decrease in finances due to divorce and trying to maintain household expenses as a single parent. I'm asking for XXXX to work along with XXXX XXXX XXXX ( XXXX ) to resolve this reporting issues. I found that some of my accounts has been updated but not all of them.
Consumer complaint received 2018-03-24
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was unable to work due to an extreme circumstance, so I got behind. The Capital One rep at the time waived the late fee from XX/XX/XXXX - XX/XX/XXXX and I asked him would that be updated on my credit report because I have a 30-60 late on it. He told me yes. It was never waived and I have tried many times, but no one is being helpful at all and just reading the standard credit reporting script.