davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-20
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)

Hi, I have two hard inquires on my credit report for two companies I did not apply credit cards for. These are the following two companies 1. XXXX XXXX 2. XXXX  I've contacted them and do not want to take them off my credit report. I had some issues in the past where I've been a victim of identity theft and it seems like they still have some of my information.

It's really affecting my credit score and my ability to get further credit.
Consumer complaint received 2017-12-02
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. (GA)

I am writing about a Bankruptcy ref # XXXX that is reporting on my XXXX/XXXX/Equifax credit report. I have filed numerous investigations in efforts to having this public record removed both by phone and by letter most recently XXXX/XXXX/XXXX and it came back Verified as Accurate XX/XX/XXXX. They all LIED about being able to verify the reportings. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB for it to appear in your credit file. XXXXEquifax has failed to update their information and per the new law the Bankruptcy does not include all the required information & should be deleted from my credit report.
Consumer complaint received 2020-05-05
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. (IN)

Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance.
Consumer complaint received 2022-04-01
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: ALLY FINANCIAL INC. (FL)

In XXXX my car got total, I let ally know and it was growing through the insurance process. They couldnt deem it as total loss, but gave me an amount that I sent to ally with my gap coverage. However, gap did not cover the final amount but my car is fully totaled?
Consumer complaint received 2018-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc. (FL)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : ADVANCED COLLECTION BUREAU INC Last reported : XX/XX/XXXX + {$1300.00} ADVANCED COLLECTION BUREAU INC Last reported : XX/XX/XXXX + {$410.00} Needs Attention ADVANCED COLLECTION BUREAU INC Last reported : XX/XX/XXXX +  {$100.00} Needs Attention ADVANCED COLLECTION BUREAU INC Last reported : XX/XX/XXXX + {$54.00} Needs Attention Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-09-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NC)

I received a letter from ace cash express payday loan saying I got a loan that I didnt receive.They I need to pay by XX/XX/XXXX theyre taking me to and I need to pay XXXX they saying my payment was was return by my bank due to NFS.Theyre taking about taking money out of my check. Can they do that because I didnt receive anything I dont know what to do.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (DE)

I had invested money into Bitcoin through the popular Coinbase website. I have used this site before for transactions and they went through fine, however my last transaction was never completed even though it says it was. I sold the currency on XX/XX/XXXX and was expected to be paid XX/XX/XXXX from the company. The amount was for {$530.00} after fees. It was supposed to be transferred back into my bank account like it has been before.
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

American Express has been letting a ring of thieves charge my old card number which expired years ago. They have submitted thousands of charges that appear as non-US XXXX locations on my bill, that appear to be either from XXXX, the XXXX, XXXX XXXX, etc. I have spent 50+ hours since XX/XX/XXXX on the phone with Amex Customer Service and Amex Fraud Dept . They can not get the amount of the credits right. They credited me {$770.00} for the XX/XX/XXXX-XX/XX/XXXX statement, but the fraudulent charges are more than {$2100.00} on my bill. I need your organization to make them stop the insanity of this and do a full audit on all of the fraudulent charges, and give me the full amount of credits that I deserve.
Consumer complaint received 2017-12-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (NY)

XXXX XXXX XXXX began reporting a debt they had acquired on my credit report without following section 806 of the fdcpa. I have disputed it on the grounds outlined by the FDCPA that I was not notified within the first 5 or 30 days of reporting but to no avail. It is currently being disputed by XXXX XXXX.
Consumer complaint received 2021-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (MI)

Signed up with XXXX they looked on their map and said I would have service they sent sim cards for family of phones I inserted 1 sim card in my phone and had very limited service I called and canceled service they said it would be canceled I got a collection bill for {$260.00} dollars I called XXXX and they told me it was out of their hands the account was closed and they already sold the debt and I had to deal with the collection agency I should not have to pay for 15 mins of trying to get service on my phone
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (MA)

On XXXX XXXX 2017, I reported that my Coinbase account was compromised because a XXXX dollar buy order for Bitcoin was made, but it was not made by me. Because I reported this, Coinbase " temporarily '' locked my account that day so that no outgoing transactions could be made, which means that buy order still processed and XXXX dollars was taken from my bank account, and then added to my Coinbase account in the amount of roughly XXXX Bitcoin. 

I have since figured out what happened to my account ( on my own ) and have requested that Coinbase unlock it so that I can log back into it and properly manage it like I always have. Or, at the very least, I have asked them to send me the Bitcoin that is rightfully mine ( since it is in my account ) so that I can get my XXXX dollars back, or at least the bitcoin equivalent of it. 

I made this request by replying only a few hours later to the email ticket I had opened on the XX/XX/XXXX,  asking them to give me access back to my account. I never heard anything form them for over a week, thats when I made my first call to their support line that you have to wait on the phone for 30-60 minutes to speak to anyone. Doing this did not help at all as I could get no actual details about my case from them, and was basically told to keep waiting. I have been waiting for 5 weeks now and have made many more calls to their support line expressing my frustration and trying to get information, and yet I can not get any details of what is going on. The people on the support line have told me that these cases normally take under 10 days to resolve, but my case has not even gotten a response with any detail about actions they are taking to resolve it, not a single word. I am demanding Coinbase unlock my account so I can access it, as it has important money locked in it that belongs to me. During my last phone call with them a few days ago support at least made a note on my ticket as seen in my attachments, basically just saying for me to continue to wait and to stop replying to the email ticket ... .but once again, no actual detail or estimated time given on when I will have my account back.
Consumer complaint received 2020-04-19
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: Clarity Services (TX)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IN)

On XXXX XXXX 2018 XXXX XXXX XXXX sent moneygram to travel agent XXXX XXXX XXXX at XXXX XXXX XXXX il XXXX to XXXX. First said funds picked up XXXX  said funds not received store say transactions incomple call sender XXXX XXXX XXXX. XXXX told glitch in, system now nobody has XXXX and we out XXXX we 've friend on other end needs XXXX. We do n't have XXXX to throw away time of essence moneygram receiptXXXX we need refund receiver needs money important
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

HARD INQUIRIES i applied to purchase a new vehicle ( and vehicle insurance ) and the dealership submitted my information to several companies that placed a hard inquiry on my credit report. I called the credit bureaus to see what can be done, they advised me to contact each company to have them sent me a inquiry deletion letter but the companies do not know of such a letter. I called the credit bureaus back for assistance and was advised of my options which are to obtain a letter of deletion, file a police report or contact CFPB. I did not want to file a police report.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

Hi Dear officer, I would like to report a fraud which started on XX/XX/XXXX. 

On XX/XX/XXXX, I wire-transferred {$75000.00} to Gdax/Coinbase account using the wire transfer information/instruction provided by gdax.com. 
On XX/XX/XXXX, from support.coinbase.com, XXXX opened a case regarding this wire transfer indicating that the transfer failed and was reversed. On the same day, I received an email from them indicating the same. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I asked them to investigate this matter but never got a single response back ever since they open the case on XX/XX/XXXX. 

I contacted XXXX XXXX XXXX XXXX, the originating bank couple of times. in the first calls regarding to why this transfer was not successful and what I should do to speed up the reversal process, XXXX XXXX told me since Coinbase already started the reversal process, I just need to wait. Then before XXXX, when I talked to XXXX again, she realized it is taking too long for the reversal, so she started talk to the wire transfer department in XXXX XXXX XXXX to try to recall the wire transfer. 

But so far there is no response from Coinbase.com for the efforts from XXXX XXXX XXXX side. 

I have provided the following documents to establish my case. 

The email from XXXX notifying me of the wire transfer reversal on XX/XX/XXXX The Coinbase support case update history through screenshots The screenshot of Gdax ( which is linked with Coinbase.com ) provided wire transfer instructions The wire transfer transaction record itself. 

In case you need to talk to the originating bank XXXX XXXX XXXX XXXX, I will provide XXXX XXXX contact information as well.
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OR)

Chase decided to close all of my credit cards that I currently have with them because they felt I was a risk since I have applied for multiple cards in 2017. I have excellent credit, I have never missed a payment, I pay my entire balance off on or before the due date. I have multiple credit cards because I travel, and I use the rewards for traveling, and also for my business. They did not give me any notice, they just closed the cards out. When I called and they explained it, I told them everything I am writing here, I am not a risk, I have never overspent, I have never maxed out cards, I manage my credit very well. I do not have any debt besides my mortgage, and yet they think I am a risk, and they closed out every card I have with them and they will not refund my fee that was charged 1 month ago for a card I have only had for 1 month, it is an annual fee that is for the year and they closed it out 1 month after I got the card. They just made {$99.00} on me for no reason, I didnt get the credit card bonus that came with the annual fee, I didnt get to even use the card more than a few times before they closed it out, and now they will not refund anything. I am wanting this annual fee refunded, its one thing to close everything out because they just decided I was a risk, it is another thing to make me pay the annual fee for a card I dont even get to keep.
Consumer complaint received 2018-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Genesis Credit Management, LLC (WA)

I rented a property from XXXX XXXX that almost XXXX  me due to XXXX XXXX XXXX.. I contacted the property manager XXXX XXXX and informed them that I had been diagnosed with XXXX XXXX XXXX my family pet XXXX my niece and nephew were also sick and that the XXXX XXXX XXXX cut off the heat due to the flex line leaking carbon monoxide. Immediately the manager XXXX got really mad. I told her there were no carbon monoxide detectors and that I would need a heater due to the heat being shut off because it was supplied with gas. Then they told me they would not and that they wanted me to move because I was causing them a Hassel. We almost went to court but after many documents we came to resolution and there was no debt owed. I have called them and asked them to remove the fraudulent debt and they claim they will continue to ruin my credit in retailation for the costs of fixing the flex line which had nothing to do with me. I have contacted the credit companies as well as the collector that has been trying to collect a debt I do not owe I also sent him the court document showing there was no judgement and the case was dismissed. They have not been willing to take it off my credit and I am homeless due to this false debt that they claim I owe even after I Almsot XXXX and my family pet did XXXX and my niece and nephews were sick due to there inhabitable living rental that they rented me
Consumer complaint received 2017-11-30
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

I received a settlement check from Ace Cash Express Inc Refund Administrator, by time I received the check it was expired. I have attempted to reach out by phone XXXX which is disconnected, by email @ XXXXXXXXXXXX and have submitted a letter to XXXX XXXX XXXX XXXX OR XXXX all with no response. the letter was sent about 4 weeks ago. please help.
Consumer complaint received 2018-01-08
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: Specialized Loan Servicing Holdings LLC (GA)

Reference cfpb-XXXX, XXXX SLS states : Our records further reflect that the account has been reported current since service transferring to SLS and our records do not reflect that any correction or update to credit reporting has been required. If there is a specific report which you are concerned regarding the reporting, please provide the report so that we may review the allegations you are presenting. 

SLS refuses to update that status they report as current, to the credit reporting agencies. It is disingenuous to infer they do not know the report I am referencing since the only entity that can report to the credit reporting agencies is XXXX. XXXX does not arbitrarily report an account as delinquent.
Consumer complaint received 2018-01-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EVERBANK, NATIONAL ASSOCIATION (NJ)

By all appearances, on XX/XX/XXXX, my sister, XXXX XXXX ( aka XXXX XXXX XXXX XXXX ) accessed several of my mother 's ( XXXX XXXX XXXX ) TIAA investment accounts on line and changed the beneficiary designations on several accounts to make herself the primary beneficiary. 
My mother was legally XXXX at the time, being in late stage XXXX XXXX. XXXX was her legal guardian of person. 
The beneficiary designations that had been set by my mother would have split these assets, valued at about {$130000.00} in total, five ways. Each of XXXX 's siblings were to receive a one-fifth. My mother XXXX XXXX on XX/XX/XXXX, and shortly thereafter, TIAA transferred the money to XXXX. 
I have been trying to resolve this situation both as a civil and a criminal matter, but my primary contention is that TIAA ought to have reported this to both federal and state law enforcement officials. TIAA evidently has not, seeing that this much time has passed, and law enforcement officials have not interviewed any of the victims of this crime. 
Nor have law enforcement officials contacted XXXX XXXX XXXX, who is the administrator of my mother 's estate, who reported it to XXXX XXXX at TIAA, as early as XX/XX/XXXX. 
Together with my other XXXX siblings, we have been defrauded of about {$100000.00}, and I would like to know if TIAA is legally obligated to report to law enforcement authorities in such an instance. If so, why has the institution failed to do so, and, especially, why does the institution refuse to update the victims on the status of the complaint.
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have a XX/XX/XXXX account showing on my credit report that does not belong to me. I have disputed this multiple times and the credit reporting agencies says this account has been verified as an accurate charge off account. I DO NOT UNDERSTAND how this can be verfied as accurate. I contacted the original merchant from the phone number listed on my report but they have no information to help me either. How can the credit reporting company validate something that is not mine and prevent me from trying to resolve matters on my credit profile. This has been going on way to long and I want this account deleted from my credit report.