davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MN)

on XX/XX/XXXX My chase XXXX pay transferred to a different email id belong to XXXX account XXXX dollars but that email id was hacked by someone and that money was send to chase account person. why bank not refunding my money or not taking any action on the chase person. 
I have raised the police compliant. Hacker transfer to chase person and why chase not investigating that person account i still not understand... I need my money back
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX. A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS from my credit report immediately. Besides these items, also delete the incorrect addresses that I did not live in and I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT REPORT.
Consumer complaint received 2023-04-17
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. (PR)

On XX/XX/XXXX I submitted An investigation With XXXX Equifax And XXXX for the Account XXXX Credit Card with account XXXX # XXXX ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX By XXXX XXXX XXXX the investigation was not even completed and the account is still on my credit it id a fraud account and should be removed inmediately. 
Please kindly assist with this matter.
Consumer complaint received 2018-07-09
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. (DC)

This complaint is in reference to the XXXX XXXX Account XXXX XXXX reflected on my credit report with Experian. I have contacted Experian several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance and reportability of the listing. I do not consent to E-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims action. In the absence of any such documentation I formally request that this information be immediatedly deleted from my credit file.
Consumer complaint received 2022-04-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc. (NC)

Hi, Would you please help me resolve the issue I have with my money transfert transaction with Taptap. On XX/XX/2022 @ XXXX. I sent the money to my young brother on the Amount of {$50.00}. After 45 minutes, I realized that I did the error on my recipients phone number ( incorrect phone XXXX XXXX ). I called Taptap to cancel or reversed the transaction for the correct phone XXXX, but they couldnt help me. Thank you!
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (PA)

Demanding debt validation. Please see original complaint CFPB Ref No:XXXX & CFPB Ref No:XXXX. Company not adhering to 15 USC 1692g fails to provide adequate proof that use of credit card was not unauthorized. They are also conspiring to furnishing deceptive forms relating to correspondences disputing 15 USC 1643 and the liability of the card holder.
Consumer complaint received 2021-01-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TX)

Every single day I am spammed with at least 15 phone calls a day from this number including unknown callers. It is non stop and its all over a {$300.00} balance. Please stop it. I work sales and can't have my phone going off every 30 minutes.
Consumer complaint received 2021-09-14
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account :
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was on forbearance with XXXX and was then never informed that I was off of forbearance. They subsequently reported all 6 of my federal loans as being 90 days late in XX/XX/2019 to the credit reporting agencies, which is false. The attached email shows that I was unaware that my forbearance was taken away until XX/XX/2019 when I was put back on forbearance.
Consumer complaint received 2018-10-05
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. (AL)

I have sent out the bankruptcy letter to TransUnion and XXXX to remove bankruptcy off of my file they still have not I sent in in the the letter from bankruptcy and pacer that they dont verify info to any credit bureaus and I sent out sue letter still was not granted XXXX delete bankruptcy for 3 day they didnt tell me how and where they get bankruptcy verify only told me a source of there I also spoke with XXXX id number for XXXX told me on the XX/XX/XXXX they will delet public record never done it
Consumer complaint received 2016-01-15
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (PA)

I received XXXX notices from Transworld Systems Inc. that my student loans were eligible for default. The letters went on to say that Transworld verified my employment and that my lender may contact my employer to institute a wage garnishment. 

I have not had loans with this company for years. I called and both Transworld and the lender told me this was a mistake by Transworld, that they accidentally sent out XXXX these letters to consumers. This is atrocious.
Consumer complaint received 2022-10-07
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)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX Balance : {$38000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00}
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

This current debt that is trying to be collected by midland credit is the result of A fraudulent charge that I reported to XXXX  XXXX XXXX  on XX/XX/2018. 

My credit card was stolen and used. I called into XXXX XXXX XXXX  and for some reason there wasn't a fraud department to dispute charges. They instructed me to write in to a specific address to dispute the charges in writing. I did so the next day. NO investigation was completed after that. In fact they continued to call me and threaten me to pay my balance that I did not charge to my card. Even one person had the audacity to call me cheap if I couldn't pay for the small XXXX XXXX XXXX wanted me to pay the balance that I didn't charge to my card. Attached is the letter I sent with no response from XXXX  XXXX XXXX. 

I have now have a negative charge on my credit report for these charges that I did not complete. These negative charges are keeping me form getting the current job that I am eligible for. This is a formal complaint to MIDLAND CREDIT and XXXX XXXX XXXX that I will take legal actions based on the XXXX law prohibiting me to accept a job based on a negative credit remark. Legal actions of incorrect reporting to all credit agencies that are simply false and for putative damages up to {$500000.00}.
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WA)

On XXXX XXXX.I checked my bank account and it was overdrawn because Coinbase took out {$25000.00} dollars from my account that I didnt authorize.

I immediately called my bank ( XXXX ) and they assigned a fraudulent team to investigate. I emailed Coinbase and let them know the situation so they locked my account, later that day my bank notified me that Coinbase credited my money back to my account and that everything is OK..case closed.

I emailed Coinbase to let them know that everything was OK and to please unlock my account which I thought they would do right away.1 month later no reply other then automated emails saying they will investigate and will be in touch in 3 to 4 days, Ive send them probably over 30 emails its going on 5 weeks now and Im starting to get worried, I lost so many opportunities to trade and sell the past month.. all I want is them to unlock my account, thats allI have XXXX XXXX ( {$23000.00} ) that I cant get access to. I need access to sell, please help thank you. case # XXXX Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WASHINGTON XXXX
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My rights are being violated and they are reporting inaccuracies on my credit report. According to the Fair Credit Reporting Act I have a right to dispute inaccuracies on my account. This is the third time I've asked them to remove the XXXX information.
Consumer complaint received 2023-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OK)

JEFFERSON CAPITAL SYSTEMS LLC WERE SENT NOTICES OF CLAIM DISPUTE. I HAVE NO TACIT AGREEMENT OR PRIVITY OF CONTRACT WITH THE ABOVE MENTIONED FIRM. 

ALSO STATED : JEFFERSON CAPITAL SYSTEMS XXXX IS A THIRD PARTY JUNK DEBT BUYER, HAVING NO BONA FIDE PROOF OR FIRST HAND KNOWLEDGE THAT I SIGNED A CONTRACT WITH THE ALLEGED CREDITOR XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEMS LLC ARE USING A SCHEME OF FRAUD BY MAIL/EMAIL TO IMPLY A CONTRACT BETWEEN THE PARTIES. 

THIS IS XXXX XXXX EVIDENCE OF RACKETEERING AGAINST THE PARTY ( S ). 

THERE IS NO PROOF TO THE CONTRARY.
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmWest Funding Corp. (CA)

XXXX with XXXX XXXX XXXX for a mortgage loan for a purchase and refinance. What is suppose to be a 45 day close took more than 60 days and still pending. Appraisal itself took a month to complete and was sent out for revision XXXX times. Filed a complaint to the bank to get that sorted out. No one acted with a sense of urgency to help with the client and took several days to review documents causing extensive delays. Even have the audacity to make us pay for the penalty for missing the rate lock deadline. Very very bad communications and customer service experience. The fact that both refinance and purchase loan needs to close at the same time was NEVER discussed to us in the beginning and because of the purchase appraisal holding up, BOTH loan missed the rate lock deadline. Purchase loan was approved but now the refinance loan is holding us up and we were told if the refinance is not approved than the purchase can not be approved. We have already gave them all the documents they need and last minute before closing, they request additional documents that need to be reviewed which is holding up closing.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XX/XX/21 Sent a letter via certified mail to Experian. Tracking number XXXX XXXX XXXX XXXX XXXX. Letter stated rights being violated and ask to have my personal information removed from consumer file.
Consumer complaint received 2021-03-04
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: Credit Technologies, Inc. (MS)

I received a copy of my credit report and found the following item ( s ) to be in error.

By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2023-02-08
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 2023-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (GA)

So I have been noticing money slowly being taken out of my account. Also on XX/XX/2023 I made an transfer for {$4000.00} and was only allowed to use XXXX so I sent {$1500.00} back to my account and now I cant find my money.
Consumer complaint received 2021-03-04
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: SYNCHRONY FINANCIAL (MS)

I received a copy of my credit report and found the following item ( s ) to be in error.

By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2018-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (FL)

While doing my weekly credit report check on XXXX XXXX, I found a collection on my account which was odd because I pride myself on not owing anyone ( accept XXXX XXXX but thats another story ). 

It says the original creditor is XXXX XXXX, but I've never signed up for cable. I don't even watch cable television because I have XXXX. For it just now to be going to collections, someone must have signed up for something in my name earlier this year ( {$76.00} balance - opened XX/XX/XXXX according to XXXX XXXX ). 

I don't understand how or why someone could do this, this technology world we live in just is not safe anymore.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FORD MOTOR CREDIT CO. (GA)

I admit. I made a late payment to Ford Motor Credit for XXXX and XX/XX/2017. I paid in full though the amount owed plus the late payment penalties and have had my account in good standing since. Ford Motor Credit reported these late payments to the credit bureau and I have no way to contact anyone with Ford Motor Credit to come to a resolution. I can only write a letter. No one contacted me Ford Motor Credit to make me aware of the report either.

Also. One reason for the Second late Payment was, I paid online for the XXXX late payment and it was scheduled and so therefore I would have to cancel it to make the XXXX payment. 
The reason for the late payment was due to a personal issue during which time I had to make some tough financial decisions. I overcame those issues to get my account current only to have Ford Motor Credit give reports on late payments on an account that is current 8 months later. 
Now I am trying to get a mortgage on a home and Ford Motor Credits dated faulty report is hurting especially with XXXX and I have no one to contact with FMC to resolve the issue.
Consumer complaint received 2019-02-19
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: EQUIFAX, INC. (FL)

i came apon checking my credit for accuracy and found out my personal information has been used to open car loans and other accounts of some sort without my permission i was adviced to fill out this form to bring this issue to an end
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

This bank is XXXX Bank of America put my account in the negative on XXXX XXXX they Left me with a XXXX $ negative balance and money was still being added to the account before it was closed by bofa they blamed XXXX at first iv fought for my money.back for 5 months and now that they have finally approved my claim on XX/XX/XXXX they said they sent my money to me XX/XX/XXXX and I see a posted transaction fir XXXX $ but they are trying to tell me my money went to the negative balance but Im entitled to that money I have bills to pay with that and also I had another agent tell me today XX/XX/XXXX that this was a mistake on their end and that I will receive my money back she even out me in a complaint and missing credit report she also said the banks mistake also included that the bank didnt 0 out the negative balance so that when the money was put back I would get it instead of it going to the negative balance how am I paying for the banks mistake or lack of professionalism I am not at fault here and I honestly demand that they fix this and send me my funds because im being told that my claim is resolved but its not I still do not have my money and this bank obviously thinks I supposed to get by with XXXX XXXX after all of this pain and suffering they took me through I need my money from them this is a panedemic they should not be able to just take our money when it was never our faults in the first place I need my money back like no tomorrow this is beyond disrespectful and incompetent this is inhuman and heartless this is beyond XXXX for me
Consumer complaint received 2020-08-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (FL)

I gotten this loan on XX/XX/XXXX in the amount of XXXX and I have been paying on this loan since then. I am still making payments and thought that I would be finished with this loan within a year. I have try contacting headquarters to see if this can be looked at and to no avoid the number that is for them is only a recording. For they have a local office in XXXX XXXX XXXX Fl. at XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX. I was not aware that this was a weekly loan and I informed the loan officer that I can only repay monthly in which I have done for 3 yrs. So there is no ever ending with this company and I also found that they have been sued. Consumer advocates rejoiced when Gov. XXXX XXXX in XXXX signed a law that imposed restrictions on car-title lenders. I want to get out of this predatory loan with these people for I have paid over the amount that my XXXX XXXX XXXX is worth. Need some help in getting out of this predatory XXXX of a loan from these people.