davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OH)

I had received XXXX XXXX in XXXX of XXXX that was given to me on Coinbase as part of a XXXX XXXX class. 

In XXXX XXXX XXXX the money was taken from my account. 

Original Wallet XXXX XXXX  XXXX I recently made an inquiry with coinbase and they deleted my history. 

It ended up in this address which seems to be related - XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-03
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. (IL)

There is an account on my credit report in the name of XXXX XXXXXXXX XXXX with an amount of {$3900.00} balance. This account is being PAID monthly. I wrote the bureau about the reporting and they are still reporting it as a derogatory and XXXX days late in XXXX when I made the payment for XXXX.
Consumer complaint received 2021-05-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (PA)

I disputed this inaccurate account a long time ago and Jefferson Capital still has never sent me any information regarding this alleged debt, which I have disputed ( which is a violation of 15 USC 1681 s-2 ) Under the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( B ) & ( a ) ( 2 ) ( B ) a data furnishers compliance is required. Pursuant to 15 U.S.C. 1681I ( 5 ) ( A ), they have thirty ( 30 ) days from receipt of a letter to respond to a request for verification of the erroneous items. The thirty ( 30 ) days has now expired, and I have not heard from them. Therefore, it must be that the information on my report was either inaccurate, or it could not be verified. In either case, according to the provisions of 15 U.S.C. Section 1681i ( a ), the item must be deleted immediately. Pursuant to 15 U.SC. 1681i ( d ) of the Fair Credit Reporting Act.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (PA)

I have an Experian account at www.experian.com that is no longer functioning properly. It allows me to login but then says that an unexpected error has occurred, at which point no other options are available except to call Customer Support I attempted to fix the account by calling Customer Support on XX/XX/2021. After being bounced around to multiple departments, I reached a service representative ( XXXX ) who said that it was impossible to reset the account, despite having a valid username and password, and that nobody at the company would be able to do so. He refused to allow me to speak to a supervisor and eventually hung up.
Consumer complaint received 2023-04-07
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. (VA)

XX/XX/XXXX called XXXX XXXX they said that they will take the hard inquiries off. I talk to XXXX they said they would take them off. XXXX Didnt delete it something about more info an fil a cfb report
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I recently disputed some inaccurate items on my credit profile that should not be on there ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ). I asked very specifically to let me know the method in which they went about their investigation. Their method was never communicated to me. This leads me to believe that they are consistently using some computer generated artificial intelligence with my disputes. After speaking to a rep yesterday ( XX/XX/2022 ) I was told that they use a computer to contact the credit card company to VERIFY this information. This verification method holds no validity as they are getting a simple Yes or No without a true investigation. They dont provide a day that these accounts were allegedly applied for, an IP address, or a signature. This company is HORRIBLE. They dont have a true investigation.
Consumer complaint received 2021-05-07
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 ()

PayPal permanently closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

I have a loan with SYNCB/XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCB/XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX and XXXX, and SYNCB/XXXXE XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (NJ)

I am writing to file a complaint against Comenity Bank/XXXX for their refusal to delete inaccurate information from my consumer report. This has been a frustrating ordeal as both the creditor and XXXX have consistently failed to provide any substantial information despite repeated attempts to rectify the situation. I am deeply concerned that this behavior demonstrates a blatant disregard for consumer protection laws. 

I have diligently reached out to XXXX and Comenity BankXXXX regarding the inaccuracies in my consumer report. Despite the legal obligation to investigate and correct any inaccurate information, both parties have consistently refused to comply. This flagrant violation of consumer law has caused extensive frustration and financial harm. 

I strongly believe that it is within your jurisdiction to thoroughly investigate this matter and ensure that Comenity BankXXXX XXXX XXXX the mandated consumer protection regulations. It is imperative that appropriate enforcement actions are taken to rectify this issue promptly and prevent any further harm to consumers. 

I kindly request that you conduct a thorough investigation into the practices of Comenity BankXXXX and XXXX the necessary steps to address this matter. I firmly believe that it is essential to uphold our consumer rights and hold companies accountable for their actions. 

I appreciate your attention to this matter and your dedication to safeguarding the rights of consumers. Should you require any additional information or supporting evidence, please do not hesitate to contact me. I look forward to a prompt resolution to this dispute. 

Thank you for your time and consideration. 

Sincerely,
Consumer complaint received 2018-02-27
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: JPMORGAN CHASE & CO. (TX)

I went to my bank CHASE BANK and they told me that my account was frozen. I don't have any liens, judgments or anything against me. I was not notified of this action or given any legal rights. Chase just gave me the number to a collection agency. XXXX   XXXX XXXX XXXX  XXXX. THIS IS SO WRONG. THIS IS CAUSING ME, MY FAMILY AND BUSINESS HARM. I CAN'T GET MY OWN MONEY. I HAVE DONE NOTHING WRONG AND I OWE NO ONE
Consumer complaint received 2024-03-28
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XXXX XXXX i was looking to see what kind of deals i could get to go to XXXX XXXX  for XXXX, I saw a good deal at XXXX so i booked it. The next day i received the itinerary it had a no cancellation in it that was not in the booking, I immediately called the credit card co, Capital One to cancel but they said they hadn. " t received it to call back in a week or two i then called XXXX and told them now w i wanted to cancel they said i couldn '' t the booking again said nothing about no cancellation, I called Capital One Back to cancel. Isent them a copy of the booking that said nothing about no cancelation.it a month or two then they said because i didn '' t send documents i would have to pay, I had booked plenty hotels and never received any documents, I received a booking and itinerary, I had booked a vehicle with XXXX in XX/XX/2023 and on the booking it stated no cancellation that was for two at a cost of {$14000.00}. I would never book a hotel three months in advance with no cancellation and it was {$65000.00}. Any thing could happen and it did.The dates were XX/XX/XXXX thru XXXX XXXX.
Consumer complaint received 2021-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I had spoken to SPS mortgage and filed information online to get refinanced and stop foreclosure, and was turned down, started receiving pandemic unemployment in XX/XX/XXXX and company still stating that foreclosure will be proceeding. XXXX XXXX XXXX, my mother past away XX/XX/XXXX .Leaving property to me XXXX XXXX XXXX XXXX currently in probate because after sending death certificate and all information SPS asked for when she past, the would not respond to me when My dinning room ceiling collapsed, I inquired attorney XXXX XXXX for probate, since my ceiling is not fixed,
Consumer complaint received 2021-12-03
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 (CA)

My account was frozen on XXXX XXXX. 
I was told that I need to submit my Photo ID and bank statement, in which I submitted. A few days later I received an email stating my account was frozen and I couldnt transfer my funds. 
My complaint is why ask for my personal information and then allow my account to still be frozen. 
I just want to transfer my funds to my account and then they can close or freeze the account. 
Now Im worried my information might get stolen and become a victim of identity theft because I my information wasnt used to unfreeze my account but to permanently freeze my money. 
I still have almost {$600.00} in my account that I desperately need.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (DC)

Firstmark student loans attempted to contact me via multiple phone numbers ( which I thought were scam likely numbers ). Without communicating with me, the company reported a delinquent payment that significantly decreased my credit score. I am requesting a removal of the credit flag as I have entered a payment agreement with Firstmark due to losing my job amidst the Covid-19 pandemic. Also, since this is my first time dealing with a delinquent payment to Firstmark and due to substantial hardships the pandemic presented, I am requesting leniency with the confirmation that I will make future payments on time. Firstmark has only provided 4 months of emergency disaster forbearance and I still do not have a job. My other student loan lender ( XXXX ) has agreed to enter a similar payment agreement so I hope Firstmark can be accommodating given these circumstances.
Consumer complaint received 2021-05-07
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. (FL)

I XXXX XXXX XXXX PULLED MY CREDIT AND NOTICED THAT THERE IS INFORMATION ON MY CREDIT REPORT THAT I DO NOT VALIDATE. FOR ONE I AM THE ORIGINAL CREDITOR AND I DID NOT VALIDATE THE ALLEGED DEBT. THE ALLEGED DEBT IS IDENTITY THEFT. I HAVE ASKED FOR THE ORIGINAL SIGN DOCUMENTS AND BEING I DID NOT GET THEM I DO NOT VALIDATE THE ALLEGED DEBT. 

UNDER the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). I'm DEMANDING THIS ALLEGED DEBT BE REMOVE FROM MY CREDIT REPORT.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (HI)

I had a hard inquiry done on XX/XX/2021 stating that my credit report showed numerous accounts for my student loans. Then on XX/XX/2021 I received a letter from Nelnet stating that my XXXX XXXX Stafford-Unsub students loans had a balance of {$6000.00} and a XXXX XXXX XXXX student loan had a balance of {$3400.00} totaling up to {$9400.00}. However my award history from the University of XXXX XXXX statement shows I was awarded in XXXX Federal Direct Sub Loan for {$1700.00} and XXXX XXXX Unsub loan for {$3000.00} a total of {$4700.00}. However according to my credit report stating that I had a derogatory remarks and past due amounts of {$5400.00}. I am fusion I am losing the opportunity to buy a home and a government down payment assistance grant.
Consumer complaint received 2022-04-07
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)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2021-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

This is a new complaint regarding open case XXXX. Wells Fargo continues to lie to CFPB in their response. The complaint was submitted on XX/XX/21 and till this date, they have not resolved the issue. In their response to CFPB XXXX, Wells Fargo indicated that they need more time because they were unable to reach me. This is inaccurate. If CFPB does not regulate banks and start having consequences for Wells Fargo for continuously lying to consumer and CFPB, I will start writing to the Senate and House Financial Committee. 

Till this date, besides receiving a letter from Wells Fargo stating that they are still researching and assign my case to XXXX XXXX, XXXX, I haven't received any phone contact from Wells Fargo. It's inaccurate for them to say that they were unable to make contact with me. I called Ms XXXX on XX/XX/21 and XX/XX/21 and left messages on both occasion and I haven't received any return call. I called XXXX and spoke to XXXX XXXX on XX/XX/21 around XXXX XXXX Pacific Time and spent 23 minutes and she was unable to find someone to assist me. I finally ended the call and told her to get someone to call me back which I haven't.
Consumer complaint received 2019-03-09
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. (OH)

This is a third demand for the unverified items listed below that remain on my credit report in violation of Federal Law. FCRA requires the credit bureaus to have a copy of the original creditors documentation on file to verify the accounts are accurate. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). The companies have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
1.XXXX XXXX XXXX XXXX # XXXX 2.XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX  # XXXX 4.XXXX XXXX # XXXX 5.XXXX XXXX XXXX # XXXX 6.XXXX # XXXX 7.XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-10-26
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: Experian Information Solutions Inc. (MO)

This account has been disputed and verification has been requested multiple times. Originally, the car was a total loss in an accident. XXXX XXXX XXXX  took 1 year to paid off the balance after the accident after legal action. The loan racked up fees that were waived. My credit report says repossession which is not true. 

The second part of this is that the company has recently lost a class action lawsuit. The lawsuit specifies that loans that accrued ballon interest rates as a direct result of predatory lending practices. Loan forgiveness was offered but the account is still open and reporting inaccuracies each month. This account should be deleted as promised and as mandated in the class action.
Consumer complaint received 2023-04-07
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. (TX)

When I applied for a credit card I decided to check my credit report and I see a significant amount of unauthorized inquiry 's on my report. The following unauthorized inquiry 's are : EQUIFAX MORTAGE SOLUT. Which is not even connected to an open account.
Consumer complaint received 2024-04-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Lakeland Recovery Solutions (NC)

XXXX  OR LAKE LAND RECOVERYXXXX XXXX XXXX XXXX SCAMMERS THEY CALL CLAIMING I ALLEGEDLY DID A PAYDAY LOAN ON- LINE XXXX XXXX XXXX WITH A XXXX XXXX CHECKING ACCOUNT. XX/XX/2019. FIRST OFF I NEVER DID A PAY DAY LOAN. REQUESTED PROOF THEY DECLINE CALL FIRST CLAIMING MY DAUGHTER DID A PAY DAY LOAN CALL FROM DIFFERENT NUMBERS USING ROBO AND THREATENING LEGAL ACTION WITH COURTS, THIS COMPANY IS SCAMMING PEOPLE THE POLICE AND THE ATTORNEY GENERAL NEEDS TO BE CONTACTED IMMEDIATELY THEY NEED TO BE LOCKED UP FOR IDENTITY THEFT MISUSE OF PERSONAL DATA. THEY CALL FROM DIFFERENT SCAM NUMBERS LIKE XXXX MULTIPLE DIFFERENT FAKE NUMBERS XXXX XXXX XXXX FAKE FILE NUMBER XXXX THIS SCAM COMPANY NEED TO BE REPORTED TO FTC AND COMP CONTROL AND ALL MEDIA OUTLETS TO BEWARE OF THIS SCAMMERS
Consumer complaint received 2021-12-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NBT BANCORP INC. (CA)

I am a XXXX citizen an I applied to refinance my Reverse Mortgage and discovered that during the moratorium on debt collections in the State of California that NBT Bank had not only sent my account to collections but both companies NBT and a XXXX XXXX were both attempting to collect and reporting negatively on my credit.
Consumer complaint received 2021-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

On XX/XX/XXXX I reached out to you and my issue with Convergent Outsourcing is still not resolve and they are still reporting an unverified and invalidated account on my credit report in the amount of {$350.00}. Which I beg the differ. Here is the tracking # XXXX to show that they got the letter and just continues to ignore me as well as break the law. And violate my consumer rights.