davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

Check was supposed to be deposited into account on XX/XX/2020 but they said account was closed then on XX/XX/2020 a direct deposit check from my employer was deposited into an account that was supposed to be closed out and chase telephone customer support told me the check was being sent out and should arrive in 12 business days. I called chase customer support on XX/XX/2020 and told me they had to reissue the check and wait another 22 days for it to come in the mail. I called chase bank on XX/XX/2020, a month after not getting my money, to find status on check that was supposed to be sent to me and was told it should arrive by XX/XX/2020. XXXX XXXX 2020 still no check, called chase telephone customer service and was bounced around to different departments ( loss prevention, accounts recovery ) they finally told me that instead of mailing a check that they took all the money and put into an old account where i owed money and i would not be recieving any funds. They did not tell me and did not have my consent to use that money.
Consumer complaint received 2017-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I have attempted to retrieve my free annual credit report from all three credit bureaus, but the website is not allowing to access or even submit the information online to access my report. I need to be able to obtain my credit reports as soon as possible.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I disputed hard inquiries on my credit file that were not made by me. After 30 days Equifax sends me results back starting that these where actual and would remain on my report for 2 years. I then called Equifax to have these removed the rep I spoke with informed me that they dont actually look into Hard inquiries and have no way of actually deleting them. And I would need to call the company that did pull my report. However I feel this is the responsibility of the CB to do so and they lied and said they investigated it but didnt. 
I need these inquiries removed from credit file
Consumer complaint received 2020-11-30
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: Bread Financial Holdings, Inc. (TX)

I purchased software from XXXX XXXX XXXX on XX/XX/2020 for the price of {$1300.00}. The software was a scam and did not work as advertised. I tried filing a dispute with the XXXX XXXX but was told it was closed because XXXX XXXX said that I did not provide them with a receipt. That was a lie because I had emailed XXXX XXXX my receipt when I initially asked for a refund. I have been scammed and my credit card company will not refund me the money.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

I have been having problems with the Amazon Synchrony card for a long while. The card keeps billing me amounts for things that I could not remember ordering. I had a difficult time discovering what I had purchased. 
There was no way to dispute the charges because Synchrony makes it difficult to contact them ; file a question or complaint ; or talk with a person. 
Finally, I was able to move my Amazon XXXX  XXXX  services bills onto my VISA card and I cancelled the Synchrony card. 
I was paying all bills as they came up for many months while I tried to get the problem settled. 
Now, Synchrony has billed me another {$65.00} for nothing. The account is closed, they admit, but I am being billed. 
I do not want any business with Synchrony.
Consumer complaint received 2023-04-01
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. (MA)

Delete all the fraudulent inquiries on my report effective immediately and they include, XXXXXXXX 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 2021-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

In response to my repeated requests for payment information related to my loan, I was repeatedly sent private information for other Mr. Cooper customers. The employees at Mr. Cooper repeatedly did not listen when I told them what they were doing, and continued to send me private information for other customers. I believe this is a crime. 

In addition, I paid off my loan, it was confirmed that I had made the final payment, and Mr. Cooper subsequently called me to demand additional funds. It appears that one of my previous loan payments made prior to receiving and satisfying a misrepresented payoff estimate I received and paid via wire transfer was also misrepresented as processed and paid in full by Mr. Cooper. Because of these misrepresentations, I suffered a great deal of XXXX  XXXX, incurred investment losses, incurred transaction fees, and have nearly lost my home due to Mr. Cooper 's delay in processing and reestablishment of my VA loan eligibility. I am happy to discuss with a reasonable adult. 

These are violations of the Deceptive Trade Practices Act, common law, and likely also of criminal law in several respects.
Consumer complaint received 2021-04-10
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)

I XXXX XXXX have sent several letters to the credit bureaus and haven't received a response. I've seen many incorrect and unknown items on my credit report. It's been over 63 days since I first sent out my first letters. I feel like no one has received my disputes. With this taking so long with no response I demand these items be deleted immediately or I will file for litigation is due to the stress you caused me.
Consumer complaint received 2018-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kelsting Group, Inc. (GA)

In XX/XX/XXXX, i asked XXXX XXXX XXXX to validate a debt they claim I owe to XXXX XXXX. What they sent was a copy of a lease and a bill for a little over {$3000.00}. In XX/XX/XXXX, I sent a dispute through my credit bureaus regarding this debt with a copy of my drivers license and social security card to prove that the information did not match what the collection agency had on file. The credit bureau simply updated my accurate information with the collection agency and allowed the item to remain on my report for collection. This collection agency is also not authorized to collect in Georgia which is my state of residence.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

Hello! Thank you for taking the time to read my complaint. I have an account on Equifax, that is reporting derogatory and closed. The account is XXXX XXXX . I fell behind on this account, but was able to pay the account in full. Once paid in full the account was updated XX/XX/2020.
Consumer complaint received 2020-11-30
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)

On XX/XX/2020 I sent letters about incorrect and inaccurate information reporting to my credit report. I have yet to receive any information about these items I requested be investigated. At this point and time I feel that I am being taken advantage of and my disputes and are being ignored. I have done everything on my end to work with the credit bureaus to get this resolved and still nothing has been done. Section 611 ( a ) states failure to investigate these items within 30 days gives reason for those items to be immediately deleted from my credit report promptly. Ive been a victim of identity theft and have also sent them the FTC report and being a victim of the XXXX data breach, so I demand these accounts be deleted from my credit report while I am filing litigation for the stress and negative impact this has had on my life.
Consumer complaint received 2020-11-30
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-10-11
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. (DE)

Be it Notice to all, I am a consumer pursuant 15 usc 1681 ( a ) ( 4 ) and my federally protected rights have been violated. I have NEVER signed a " contract '' or PROMISSORY NOTE with XXXX XXXX XXXX. I believe them to be a 3rd party debt collector. I DEMAND to see a certificate of indebtedness as pursuant with 18 usc 8 all bills and certificates of indebtedness are the obligation of the federal corporation the United States. I also have NEVER given my written or oral consent for this item to be furnished on my consumer reports as pursuant with 15 usc 1681b. These violations are punishable by fine of {$1000.00} each pursuant 15 usc 1692k. I DEMAND that these items be removed from my consumer report as well as a refund for any funds this company coerced me into false paying them or pay me {$10000.00} for every minute that the alleged debt has been on my consumer report.
Consumer complaint received 2021-04-10
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 (OH)

Paypal close my account for not reason and them will not help me with Getting it back up and going. Everytime when i try to take out my money From my account they just block me for avoid that i can use my money.

They just made all difficult for me. My account was already verified with all My personal information and i never made any mistake. I never had any Dispute or charge in my account. i donate money to my friend they blocked my account, and them they just close my account with all my money. I think this Company stole money from people. They never take my calls or respond my message. I record Everything about that company that just stole money from the people without Any reason. PayPal is not doing her job properly and that the reason i am File a report here. PayPal is violating the rights of people by closing Accounts to keep the money and so make your company grow with the Money that is stolen. PAYPAL SCAMER 100 %. 
HERE THERE ARE SOME PROOF WHEN I TRY TO CONTACT NEVER DO NOTHING FOR HELP ME. MY EMAIL IS XXXX.
Consumer complaint received 2021-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I was a victim of online fraud ( XXXX XXXX ) with my Wells Fargo debit card. When I called customer service first I was told that nothing could be done because the charges were authorized through the card. I called Wells Fargo fraud number who took down my fraud claim, it was multiples transactions through XXXXXXXX XXXX resulting an amount of {$800.00}. Never credited to my account and was told to wait 0 days then called them three times for follow up on my claims and was told the same thing will not get refund caused they consider it authorized since I used XXXXXXXX XXXX before.
Consumer complaint received 2020-11-30
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. (SC)

XXXX XXXX filed a complaint and a proposed stipulated judgment in federal district court for the XXXX XXXX XXXX Indiana alleging that XXXX provided substantial assistance to XXXX XXXX XXXX XXXX XXXX ( IXXXX ) in engaging in unfair acts and practices. XXXX operated XXXX XXXX XXXX until it filed for bankruptcy and ceased operations in XXXX. XXXX XXXX complaint alleges that XXXX  was actively involved in the creation and the implementation of the XXXX loan program. The complaint alleges that XXXX induced its students to take out the loans by a variety of means, and that XXXX knew or was reckless in not knowing that many student borrowers did not understand the terms and conditions of the XXXX loans and could not afford them. 

On Saturday, XX/XX/XXXX, it was announced that student loan cancellation benefits will be offered to XXXX former XXXX XXXX XXXX, with up to {$160.00} XXXX dollars in debt being forgiven. 

This agreement was reached as part of a deal between the Consumer Financial Protection Bureau ( CFPB ), State Attorney Generals from 43 different states, and Student CU Connect ( CUSO ), the company who distributed and managed private student loans for XXXX XXXX.
Consumer complaint received 2018-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

- Company : CoinBase - Website : www.CoinBase.com - Contacted company : Yes ( Unresolved ) - Emailed and called numerous times - Date Occurred : Approximy XX/XX/XXXX* - Problem : I bought XXXX LTC on XX/XX/XXXX. On the ninth day of the transfer, I got noticed that my transaction was canceled for an unknown reason. Since then, I lost full access to my cryptocurrency wallet. 

Respectfully, CFPB User
Consumer complaint received 2017-11-27
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fay Servicing, LLC (NJ)

A mortgage in my name is being serviced by Fay Servicing, an organization which, according to your website, has already overstepped the law as it relates to moving forward with foreclosure proceedings while borrowers are actively seeking help to save their homes. 

Arrangements were made during the summer of 2017 to list the affected home in a short sale. Terms of the short sale were drafted and agreed upon by all parties, and the home was listed and shown to prospective buyers but ultimately was not sold before the expiration of the short sale agreement. According to Fay Servicing, the next step was to reconvene and draft a new agreement listing the home at a lower cost to attract more potential buyers. Multiple representatives of Fay Servicing stated in telephone conversations that they did not want to foreclose upon the property and that they would continue in good faith to find a solution. 

Regardless of these declarations of good faith, on XXXX XXXX, 2017 I received an email from my credit monitoring service that my XXXX credit report had been updated to include that my account with Fay had been marked as foreclosed. Indeed, when I went to view the report, it had been marked " Foreclosure Process Initiated ''. 
A representative of Fay Servicing responded to inquiries about this change to my credit report by saying that it was part of their normal process and nothing for me to worry about. 

Additionally, to date I have not been served with any papers indicating an imminent foreclosure which, as I understand it, are required by law to be provided to the property owner with 35 days notice before any proceedings can be moved forward. 

I would like to point out that your organization fined Fay Servicing, in the amount of {$1.00} XXXX on XXXX XXXX, 2017, for doing exactly what they are apparently continuing to do as of three months after their punishment and most likely up to the present time. Fay Servicing CEO XXXX XXXX was quoted as saying that your consent order included asking Fay Servicing to " comply with mortgage servicing rules '', which they clearly have no intention of doing.
Consumer complaint received 2017-11-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

on XX/XX/2017 at XXXX XXXX, i initiated a transfer from coinbase to XXXX. This was my first time trying to fund my XXXX account and had never been on the site for this purpose. XXXX makes it extremely confusing and offer no customer service. I clicked the little plus sign next to XXXX instead of XXXX. 
Coinbase should never have initiated the transacation as it was not possible to deliver.
Coinbase is telling me there is nothing they can do to get my money back. 
it is in excess of over 30k usd. 

XXXX AMOUNT TRANSACTED XXXX XXXX FEES XXXX XXXX RECEIVED 15 days ago CONFIRMATIONS 6+ Advanced Details Block Hash XXXX Block Height XXXX Transaction Index XXXX ( permalink ) Size 225 bytes Lock Time Version 1 Relayed By : XXXX
Consumer complaint received 2020-06-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

refi lender is getting 90 point difference from XXXX  and transunionXXXX however getting correct scores from XXXX  XXXX. How can they get different scores than i can pull as consumer i should see what they see
Consumer complaint received 2021-04-10
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)

I sent several letters to the bureaus and haven't received a response yet. I received my credit report and seen incorrectly and unknown items on my credit report. It's been over 2 months since I first sent out my first letters. I feel like am being ignored of my disputes. With this taking so long with no response I demand these items be deleted immediately or I will file for litigation is due to the stress you caused me. This is taking way longer than it should. Please delete this items.
Consumer complaint received 2020-11-30
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

Hello and thank you for taking the time out to read my complaint today! I have inaccurate information reporting on my XXXX  and Equifax. There are two accounts that are from the company of XXXX XXXX XXXX that are reporting derogatory. Due to some hardship, I fell behind on payments and the account ending up closing with a balance. The balance was {$160.00} total and I paid this balance in full on, XX/XX/2020.
Consumer complaint received 2020-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C. (MN)

I recently sold my house. During the process, I learned that my ex-husband had debt which had gone to judgement and there was a lien on the house. In the divorce, I was awarded the house and we were both responsible for our own debt. The title company told me I could not close unless these were paid. I contacted my ex-husband to find out what needed to be paid. He contacted the agency to ask them for settlement and payoff amounts. He gave them permission to speak with me. I called on XX/XX/2020 and asked them to send payoff amounts to the title company. I was assured they would be there that afternoon or by the next morning, at the latest. The documents were not sent until late the next afternoon and one of the pages did not make it. I attempted several times to contact them again for them to resend it. None of my messages were returned. I continued to call and eventually spoke with the same person who told me they would be there by morning. He said he could resubmit the request to send, but it would take 24 hours. I asked if it could be expedited, since it was faxed already, but did not go through. He said he had no way to telling me when it would be sent. I spoke with a supervisor who assured me he would contact the department which sends these and ask them to expedite it. It is now XX/XX/2020 and we have not received the document. I emailed and asked it be forwarded to a manager. I also asked my ex to call them again. He did and was told they would send the documents right over. That was 3 hours ago and they still have not been received. The title company is holding my funds until they receive this. The collection agency 's failure to send a payoff amount is hindering my ability to move forward with the purchase of my home. How can I get them to send this, so I can pay it and move on?
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC. (AR)

I had an account with XXXX XXXX that I paid in full. XXXX XXXX/XXXX is reporting that I had collections on this account. I paid a total of {$5400.00} to this company and they are reporting that my account was written off. I paid this account in full! There were no collections on this account. They need to report accurate information on this account or remove it from my credit report. I would appreciate it they would update this account with positive information. The date opened and the date first reported is incorrect. Also this account was not written off and I was never late on this account.