davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (PA)

Opened Citi Priority checking & savings accounts on XX/XX/XXXX. I deposited {$25.00} into checking & {$50000.00} into savings and kept the money in for the required 60 days in order to receive promotional {$700.00} bonus. I moved the $ XXXX to a Citi Bank Accelerate account on XX/XX/XXXX after confirming with a Citi Priority banker that I already met qualification requirements for the {$700.00} bonus and should receive the bonus within 90 days of XX/XX/XXXX ( meaning I should expect the bonus by XX/XX/XXXX ). It is now well past XX/XX/XXXX and I've still not received the bonus. I tried calling the bank on 36 different occasions, and after two dropped calls and transfers to customer service personnel who were clueless and just gave me other phone numbers to call, I've lost my patience. Please contact them and have them give me my {$700.00} credit I am due.
Consumer complaint received 2021-06-02
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST PORTFOLIO SERVICING INC (TX)

On XX/XX/XXXX I filed a complaint with you stating that this company is reporting several factors of inaccurate information on my credit report. On XX/XX/XXXX, Vervent, the company in question responded to my complaint. 

Vevernt stated that " THEIR COMPANY DOESN'T HAVE ANY RECORDS OF AN ACCOUNT BEARING MY NAME. " In addition, they stated that " WE ARE UNABLE TO LOCATE THIS ACCOUNT BASED ON THE INFORMATION PROVIDED ''! 

I have made all the proper attempts and used all proper measures with resolving this wrongful information being placed on my credit and damaging my current state of livelihood!

I am in the process of buying a home and my lender made me aware that this account showed up. I am in no way aware of this company and furthermore who they are. I DO NOT HAVE A DEBT WITH THEM! I HAVE NEVER HAD A DEBT WITH THEM AND I DO NOT OWE THEM! Please REMOVE this account IMMEDIATELY so that I may successfully continue my buying process.

The case was closed with you and no resolution was reached.
Consumer complaint received 2021-06-02
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: LEXISNEXIS (MS)

Lexis Nexis is reporting an inaccurate bankruptcy on my credit report. I have reached out to the court house where the alleged bankruptcy was filed and they have assured me that they do not furnish this information.
Consumer complaint received 2020-12-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (UT)

There is no selection for this, so I selected a random item from the list. 

I will not allow this company to collect additional information from me, but am willing to pay the amount owed. I have never received any letter communication from them so I do not have the account number. They are refusing to provide me the account number without agreeing to comply with their collection policies, which I do not have to do. I have repeatedly stated I will confirm my identity ( and have ) by providing my name and address, but will not agree to their collection terms because I am tired of collection agencies using that as an excuse to send me marketing information, or collect information they do not need to allow me to make payment. 

I have recordings of their employees refusing to provide me my account information to make that payment.
Consumer complaint received 2021-02-11
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. (GA)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

This is account have been on my credit report for over a year. The account in question is from TransWorld System. Medical from that I did not know I owed. Once I found out it was on my credit I paid the collection agency in full. Ive tried disputing this off my redirect report for more than a year it will be two year in XXXX. The account in question is on XXXX credit report. This is now appearing on my report as a charge off. I tried XXXX XXXX XXXX in XXXX and XXXX XXXX in XXXX. I also sent numerous disputes to XXXX and their refusing to remove this off my credit report
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My grandmother added me to her credit card. The card reports to XXXX  and XXXX, but not to TransUnion. Can this be corrected?
Consumer complaint received 2021-03-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Bureau, Inc. (TX)

This is in reference to debt with American Credit Bureau account number XXXX collection was opened on XX/XX/2020 for {$600.00}. This debt was originally with XXXX XXXX XXXX who initially failed to provide me an emailed invoice of charges as requested. I initially had dental work which was told that I was able to get because insurance covered it and allowed the number of cleanings done to my teeth. These charges need to be investigated and an invoice needs to be provided to me so I can proceed with verifying these charges as legit charges. I wasnt given enough time to dispute the charges as they appeared onto my credit report immediately. I was also affected by COVID-19 when this was added into report.
Consumer complaint received 2022-04-28
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. (IL)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2021-06-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

Last XXXX I filed a complaint to my investment accounts bank ( Chase ) in which the brokers would buy and sell stock in various companies and only buy 1 or 2 shares at a time per day and do so for the 30 or so companies and charge me {$650.00} per month to do this. This has gone on for over 7 years. I again filed the same complaint last XXXX, XXXX and the Chase bank froze all my accounts, an IRA plus the brokerage account plus another account in which I directed the buying/selling stock. They also froze my checking and savings accounts and canceled my Debit and credit cards. This all happened XX/XX/XXXX leaving me with zero access to my funds to even purchase the basic necessities of life for 15 days until I received a cashiers check for the value of my checking/savings accounts on XXXX, XXXX. I am using another Bank, XXXX XXXX, to get my ( 3 ) three investment accounts, my IRA with XXXX shares XXXX, another account with various stock with XXXX, XXXX shares, XXXX with XXXX shares and various other stocks. The third account had XXXX or so companies stocks in which the broker cashed in the stocks without my permission causing a problem with IRS and as of this date XX/XX/XXXX I do not have control of my investments and am charging Chase with violating my 4th Amendment rights, no seizures without due process of Law. I want the name of the person ( s ) who created this seizure and to sue them for this malfeasance, theft, fraud and the 4th. Also, the said broker ( s ) lost over {$20000.00} last year alone in bad investing and tried to hide said errors in documents which are NOT available to me at this time, this has also been going on for several years including an IRS paperwork errors in XXXX in which I only had access to one investment download for doing my XXXX taxes when there were three accounts reported to the IRS.
Consumer complaint received 2023-02-06
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: VW Credit, Inc (MS)

In accordance with the Fair Credit Reporting act. XXXX  account ending in XXXX, has violated my rights 15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 also states A consumer reporting agency can not furnish a without my written instructions
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-02-13
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: HANCOCK WHITNEY BANK (LA)

Background= XXXX XXXX  making {$8.00} an hour XXXX. Working less than XXXX hrs.wk. 
XXXXXXXX XXXXXXXX  making {$2.00} an hour plus tips. Working less than XXXX hrs.wk. 
XXXX charges each {$9.00} to cash their payroll check. Check is drawn from XXXX account holder.
Consumer complaint received 2021-02-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (ID)

I am complaining about Coinbase, Inc. who have locked me out of my account which contains about {$25000.00} in assets. 
I invested money in two cryptocurrencies  : XXXX  ( ETH ) and XXXX ( LTC ) a few years ago. My work email was used to set up the Coinbase account ( XXXX ). 
I have not accessed that account in about 4 years and I have changed jobs and can not access the previous email account. Coinbase customer service told me to open another account with my new email ( XXXX ) and they would merge the old and new accounts. I did that, but they have locked that account also. I followed all the steps customer service told me to follow including sending them my ID. All they have to do is reopen my account, but they just ignore me over and over and I can not access my money.
Consumer complaint received 2023-03-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

My partner and I placed an application for a home loan on XX/XX/2023 because we saw that chase said that they accepted homebuyers for FHA 3 % and 10 % home loans. Upon doing an initial application and speaking with XXXX, we were discouraged from sending our application to underwriting and were told that chase did not accept down payment assistance programs because people that used them tended to be unreliable with making mortgage payments, and that they did not do any FHA loans under XXXX for the same reasons. I attempted to file a complaint with Chase but they did not think discrimination was a big deal.
Consumer complaint received 2022-04-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (NJ)

I started the process of purchasing a vehicle through carvana. At the end of the process a hard inquiry was taken from my credit report which I expected. Before the process was completed I decided to choose another vehicle which happened to also be cheaper. Upon changing the vehicle selection carvana initiated another credit inquiry process crashing my XXXX score XXXX points more than doubling my interest rate to over 20 % and then requiring over {$1000.00} additional to my already {$8000.00} down payment. After trying to resolve the issue it took two weeks of calling everyday being told the initial rate would be honored before I reached an actual underwriter. Carvana then refused to honor my hard credit pull stating that by selecting a new vehicle the process requires another credit inquiry regardless of how much time has passed since the initial inquiry.
Consumer complaint received 2021-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is XXXX XXXX who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXXXXXX )
Consumer complaint received 2022-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NY)

Back in XXXX / XXXX. Someone took out phones in my name with XXXX and XXXX. I alerted the police during that time, disputed the accounts, and put fraud protection on my account. I have only have a phone with XXXX and any accounts I have are all in good standing. 

Those accounts were investigating and removed and I see recently the companies to to be under a different account and back on my credit report.
Consumer complaint received 2021-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

This is XXXX XXXX who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ( ( XXXX XXXX : ) XXXX )
Consumer complaint received 2020-11-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (CA)

Pro collect is attempting to collect a debt that I do not owe. I have made several attempts to receive any information on the debt and I have received none. Also the debt is supposedly fees from a broken lease. However I had received orders from my commander ( was XXXX  XXXX XXXX to move back to the XXXX  immediately because of serious health issues I had going on. My commander gave me written orders/letters that I provided to the leasing company but they would not let me out of my lease. Even if they felt I owed them money for repairs or cleaning I was never given any type of letter about that or break down. I paid XXXX dollars in a security deposit upon moving in. I moved out and paid rent for 8 months of my 12 months term. My rent was XXXX a month and the apartment was filled very shortly after I left per a neighbor informing me of that. So if they had successfully mitigated damages per Tennessee law they arent able to demand the money for longer than that period of time. I have not ever received a break down of this debt or how it is so high after they were able to fill the apartment and kept my entire security deposit. This collection agency has not responded to any attempt I have made to send me any documentation about this debt. Given all of these circumstances I do not believe this is my debt or I owe this debt to them. Not only did my leasing company disregard my commanders letter for that I relocate back to the barracks but now this debt is severely impacting my ability to move forward in my life and I cant get any information about it.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

On XX/XX/2019, discover financial started reporting me as deceased and closed the account. I attempted several months in a row to make my payments and Discover would not allow me to because of the deceased status. I informed them multiple times they were reporting me as deceased incorrectly. They requested I contact the Social Security office to fix the mistake, which I did, and provided the corrected information to discover financial. They have since charged off the account and have been reporting to all three credit bureaus since XX/XX/2019 that I am late on my monthly payments. discover financial never contacted me to reinstate my payments or communicate any information regarding the account. They currently have me listed as alive however continue to report negatively with the three credit bureaus. I originally requested that they remove the deceased status and all negative reporting from the three credit bureaus, but they have only agreed to remove the deceased reporting and not the charge off or late payments.
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OK)

Can't get any information on my loan. Chase just purchased it. But I can't even get the loan #. I made a payment, but nothing was taken out of my account. I don't want to be delinquent, but can't get hold of anyone at chase. The level of service from my previous mortgage company to this I've is unacceptable. You need to have as high or higher standards than the company I previously had my mortgage with. 

I spoke to XXXX and she said that's chase has no way to see if payments have been made. She said even a supervisor will not be able to see if a payment was made to chase. She was not able to tell me who I need to speak to in order to find out about payment. 

Who do I need to talk to in order to find out if a payment was made? 

Why can't chase see when I pay chase? 

Still want able to get my loan # from them either. 

Horrible lack of service. 

Is it legal to require a complaint here too fond this information out? 

Is it really not allowed to make a payment on a holiday? I should be able to make a payment on any day.
Consumer complaint received 2018-03-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NC)

I have been locked out of my XXXX account since XX/XX/2017. I still need access to my XXXX  account to run the cost basis for 2017 taxes because CoinbaseXXXX sent a XXXX to the IRS and I did most of my trading in XXXX. Can you please help me regain the ability to log into XXXX and regain trading abilities so I can run these reports and not be penalized by the IRS. 

Currently, I get an " An error occurred. Please contact XXXX support. '' message when I try to log in to XXXX.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I recently noticed a hard inquiry on my credit report from Transunion, XXXX and XXXX. 

This inquiry was from XXXX ( XXXX XXXX ) on XX/XX/2023. I did not authorize the hard pull of my credit, nor do I recognize the name of the company. I only requested that XXXX XXXX XXXX XXXX be used for the purpose of my loan, which I was already a customer at XXXX XXXX XXXX XXXX. 

Please have this inquiry removed because it was UNAUTHORIZED and the ONLY authorization should be XXXX XXXX XXXX XXXX, as that is where I belong, and that is where I secured the loan.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (GA)

Experian advertising a false birthday year concerning my credit report, example ( XXXX ) but My year of birth is XXXX which is false advertising information concerning ( FCRA ) which is Unfair as a creditor.