davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, I called XXXX  multiple times asking them if and how I can change the wrong social security number they were reporting on my credit report. They told me they can't do so online or over the phone, but instead I have to send physical mail with the request and supporting documents ( driver 's license, SSN copy ). On XX/XX/XXXX, I sent the letter to XXXX  with the appropriate information. ( Attached Below ). About a week or two later, I receive a letter from XXXX  that was very difficult to understand, but basically it said that they could not change the SSN and that I have to contact my creditor ( JP Morgan ) so that they change the SSN to the correct one. The next day, I contact JP Morgan and have them change the SSN to the correct one on their backend. In early XXXX, I requested a credit pull and found out that XXXX  is reporting the correct SSN and that XXXX  is still reporting the wrong one. On XX/XX/XXXX, I call XXXX  again and explain to them the issue. The representative asked for mail to be sent similar in requirements to the first one. I did exactly that. Today is XX/XX/XXXX, I still have not heard back, and I'm really tired of not being able to open any new accounts or financial products because no company can verify my identity since I have two social security numbers floating around. On XX/XX/XXXX, I receive a letter from XXXX  saying that they went in and fixed my social security number, but my creditors ( JP Morgan and XXXX XXXX ) are still reporting the wrong social security number to them. This problem doesn't make any sense, as XXXX  appears to have the correct social. Also, I spoke with JP Morgan on numerous occasions regarding this issue and they assured me that they fixed the social security number on both the front end and the back end.
Consumer complaint received 2020-07-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

In 2014, several charges of {$390.00} was charged to my person. It was sent to Wakefield & Associates for collections and has impacted my credit score. I have called and told them the claims are fraudulent and that I have no intention to comply and would like the issue resolved and was told that my only way to resolve the issue was to write a letter to the compliance department. I am today writing a letter to the corporate office in hopes of them resolving the issue for me.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I am a victim of identity theft and someone stole and used my personal information to open a XXXX XXXX XXXX Checking Account : XXXX and Money Market Rewards Savings Account Ending In : XXXX, the accounts are fraudulent, unauthorized and do n't belong to me.
Consumer complaint received 2021-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ARS National Services, Inc. (OH)

XX/XX/2012 {$1900.00} by company i check online i cant log in first time it said cant log in.. i feel it rip off i check reviews.. i called.. i asked them offer settlement.XXXX they said ( attitude on phone ) no.. i wont pay for it.. i hung up on them..
Consumer complaint received 2022-01-04
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. (TN)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2020-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (AR)

To begin this is the second time this has happened to me bother times I was not notified and I had already paid my account in full. 
I paid this bill in full on XX/XX/XXXX for one payment of {$120.00} and another of {$110.00}. I clarified multiple times that I did not want to owe anything else and they agreed my account was paid in full for my visits. Now this week XX/XX/XXXXish I was put in collections by XXXX XXXX VIA Transworld Systems.

I received no notification of this I called them Transworld said its " she cant say that XXXX  made a mistake how would she know '' and my response was that she could determine that I made one though? Now my credit shows I paid the balance? But the issue is I never had a balance and this is the second time both these companies have made this mistake. I have a 100 % payment history on my credit. Then even when this is deleted it is never actually the same. So I am not sure how I should proceed being the mistakes of these companies effects my ability to buy homes and sets back my life plans.
Consumer complaint received 2021-03-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (NC)

Santander XXXX and class action settlement agreement. Haven't received any information on my individual account. They are currently tanking my credit and charging outrageous interest fees post-settlement. I'm currently being punished and retaliated against for my association in class action settlement. Santander is trying to force repossession after losing the lawsuit. My last payment of {$300.00} on a current loan solely went to interest and fees and my credit score has nose dived 50 points from XXXX, XXXX! They are trying to financially ruin me due to their unethical business practices. They reported me as paid on time in XXXX and XXXX throughout XXXX but actually my payments were missed 3 months in a row during that year. The settlement has become a punishment for me the consumer at this point because nobody will step in to look at my individual situation. Santander lost the suit and is now making it worse during a pandemic. I have made {$8000.00} in payments on an $ XXXX year loan but still showing a balance of over {$9000.00} and coming up on the last year of the loan. They also sold me a fraudulent warranty and the dealer misrepresented my income to get approval. My credit report is completely misrepresented by falsifying dates and extremely high-interest fees and penalties. My account is an exact model of the Santander class action settlement but nothing has been done. The current loan balance amount far exceeds the value of the car and is completely inaccurate to the amount paid to date on the vehicle
Consumer complaint received 2020-07-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I wrote Equifax on XXXX/XXXX/20 about two fraudulent accounts on my credit report, and they failed to respond back. Please block And delete these two accounts they are hurting my credit profile. Thank you
Consumer complaint received 2018-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

My Paypal account was hacked on XX/XX/18 for {$1200.00}. That money was refunded and I was advised to change my password which I did. My Paypal account was hacked again on XX/XX/18 for {$1800.00}. I contacted Paypal and they agreed that the action was unauthorized and I would get my money back. They have locked my account so no more money can be taken. However, since the account is locked, I can not access it to get my money transferred back to my bank account.
Consumer complaint received 2018-06-22
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. (IL)

Despite multiple written requests, the unverified erroneous tradeline listed by XXXX XXXXXXXX XXXX still remain on my credit report in violation of Federal Law. XXXX XXXXXXXX XXXX is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the result of XXXXXXXX XXXX XXXX first investigation and subsequent reinvestigations, they stated in writing that this account in question was verified that this tradeline was being reported correctly! Who verified this accounts? XXXX XXXXXXXX XXXX has 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 ). Furthermore, they 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 XXXX XXXXXXXX XXXX is required to promptly DELETE all information which can not be verified. In XX/XX/XXXX correspondence from XXXX XXXX XXXX stated that " we are obligated to report accurate information to the consumer reporting agencies ''. In your XX/XX/XXXX letter XXXX XXXX stated that my account had been VERIFIED. In XX/XX/XXXX, I requested the method of how such verification was done and none was provided! I am attaching a letter from XXXX XXXX dated XX/XX/XXXX, in which XXXX XXXX XXXX states clearly on behalf of XXXX XXXX that " we are unable to provide you with a copy of a signed contract ''. Of course, they don't have a signed contract because XXXX NEVER had any debt with your company!
Consumer complaint received 2018-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX I had a return flight from XXXX XXXX to NY with XXXX XXXX. Then next flight out they offered me was 4 days later. I had to go to work so did my husband and my kids had school. So I had to book another flight with another airlines costing me {$1800.00}. 
So I wanted my {$700.00} back from XXXX  since we never used their service. They over booked their flight. I asked them for a refund and they denied me. They I went to the credit it card I charged it on which is a Bank of American XXXX card to disbute the charge and they denied me. They had sent me a form in the mail which I filled out and sent back the next day. Sometime after that I had received a letter in the mail telling my I was denied. I called to tell them I want to dispute this further and they said my time ran out. I said how can that me when I just received your letter in the mail today. They said sorry. I said this is a scam I asked to speak to a manger and the manger told me sorry can't do anything.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX, I called TransUnion multiple times asking them if and how I can change the wrong social security number they were reporting on my credit report. They told me they can't do so online or over the phone, but instead I have to send physical mail with the request and supporting documents ( driver 's license, SSN copy ). On XX/XX/XXXX, I sent the letter to TransUnion with the appropriate information. ( Attached Below ). About a week or two later, I receive a letter from TransUnion that was very difficult to understand, but basically it said that they could not change the SSN and that I have to contact my creditor ( XXXX XXXX ) so that they change the SSN to the correct one. The next day, I contact XXXX XXXX and have them change the SSN to the correct one on their backend. In early XXXX, I requested a credit pull and found out that XXXX  is reporting the correct SSN and that TransUnion is still reporting the wrong one. On XX/XX/XXXX, I call TransUnion again and explain to them the issue. The representative asked for mail to be sent similar in requirements to the first one. I did exactly that. Today is XX/XX/XXXX, I still have not heard back, and I'm really tired of not being able to open any new accounts or financial products because no company can verify my identity since I have two social security numbers floating around. On XX/XX/XXXX, I receive a letter from TransUnion saying that they went in and fixed my social security number, but my creditors ( XXXX XXXX and XXXX XXXX ) are still reporting the wrong social security number to them. This problem doesn't make any sense, as XXXX  appears to have the correct social. Also, I spoke with XXXX XXXX on numerous occasions regarding this issue and they assured me that they fixed the social security number on both the front end and the back end.
Consumer complaint received 2021-11-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (LA)

My Coinbase account was hacked around XXXX, and I have a case # XXXX. 
I was getting some respounce but nothing anymore, I can sent all the emails I sent them. 
and they sent me. I found out about the hack on XXXX, I put a lock on the account and no transactions were going to be allowed and they put a holt on the account for 24-48 hours because of suspicious activity, I got someone on the phone and they said the account will be put on hold, But all transactions went through now I have XXXX in account .... This is one of the emails I sent Case # XXXX I would like my account back like it was before I was hacked on your site. I had {$4000.00} cash and some coin about {$200.00} in Dogecoin before XXXX what is going on over there someone needs to contact me. 
I would like to send all the emails so that you can see the email trail.
Consumer complaint received 2018-06-22
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: Experian Information Solutions Inc. (IL)

Despite multiple written requests, the unverified erroneous tradeline listed by XXXX XXXX XXXX still remain on my credit report in violation of Federal Law. XXXX XXXX XXXX is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the result of XXXX XXXX XXXX first investigation and subsequent reinvestigations, they stated in writing that this account in question was verified that this tradeline was being reported correctly! Who verified this accounts? XXXX XXXX XXXX has 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 ). Furthermore, they 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 XXXX XXXX XXXX is required to promptly DELETE all information which can not be verified. In XX/XX/XXXX correspondence from XXXX XXXX XXXX stated that " we are obligated to report accurate information to the consumer reporting agencies ''. In your XX/XX/XXXX letter XXXX XXXX stated that my account had been VERIFIED. In XX/XX/XXXX, I requested the method of how such verification was done and none was provided! I am attaching a letter from XXXX XXXX dated XX/XX/XXXX, in which XXXX XXXX XXXX states clearly on behalf of XXXX XXXX that " we are unable to provide you with a copy of a signed contract ''. Of course, they don't have a signed contract because I NEVER had any debt with your company!
Consumer complaint received 2022-09-12
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-06-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I been trying to open a bank account about 2 years now and Im having a really hard time getting an account. In XX/XX/2016 I received a fake check in the mail from who I thought was my new roommate. I went on XXXX XXXX looking for a roommate and she sent me a fake check. She said she live in XXXX and she moving to XXXX. for her job. She sent a {$5000.00} check and said for me to take out her part for the rent and give the other half to her movers. every since then I been having an hard time getting a bank account. I tried to file a police report and the detective said it wasnt no point to file a report because it may not been the real person or her real name. We emails, talk over the phone and she sent me a friend request on XXXX and she sent pics. I still have emails from her with the date on it to prove it.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Name : XXXX & XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX Country : United States Email Address : XXXX Phone Number : XXXX Alternate Phone : Contact Preference : E-Mail Institution Information Institution Name : Select Portfolio Servicing , Inc . 
Routing Number : Account/Product Type : XXXX XXXX XXXX   Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Country : United States Email Address : XXXX Phone Number : XXXX Complaint My wife age XXXX & I age XXXX, joint tenants received from SPS, Inc. our requested PAYOFF amount needed to sale our property /We got harassed on the phone & at our front door, with " collection of a debt ''!? The sale offer did not make / SPS, Inc. CANCELLED our on line access LOGIN & our mailed monthly due checks were cashed ELECTRONICALLY / SPS, Inc.  destroyed our many years perfect credit scores with a 30 days late! This is ELDERLY ABUSE from SPS, Inc. taking advantage immediately calling all times of the day, mailing & coming to our front door, with the intention to take over our property fast How can your complaint be satisfactorily addressed? 

Please remove the SPS, Inc. " 30 days late '' on our 3 credit scores XX/XX/2018 Hide additional information for activity type check XXXX ElecCheck XXXX SP Servicing DES : MRTG PMT CHECK # XXXX INDN:XXXX CO ... 
Edit Description activity type check status type icon cleared Cleared. Select to mark activity type check XXXX ElecCheck XXXX SP Servicing DES : MRTG PMT CHECK # XXXX XXXX CO ... as Reconciled XXXX XXXX Type : Check Check # : XXXX ( converted to an electronic transaction by the merchant ) Description : SP Servicing DES : MRTG PMT CHECK #  XXXX INDN:XXXX CO ID : XXXX XXXX Merchant name : get more information about merchant name change SELECT PORTFOLIO SERVICINGSelect to Edit the merchant name Transaction category : get more information about transaction category Home & Utilities : MortgagesSelect to Edit the transaction category No image is available for this check because it was processed by the merchant as an electronic transaction.XXXX Hide additional information for activity type check XXXX ElecCheck XXXX SP Servicing DES : MRTG PMT CHECK # XXXX INDN:XXXX  CO ... 
Edit Description activity type check status type icon cleared Cleared. Select to mark activity type check XXXX ElecCheck XXXX SP Servicing DES : MRTG PMT CHECK # XXXX INDN:XXXX CO ... as Reconciled XXXX XXXX Type : Check Check # : XXXX ( converted to an electronic transaction by the merchant ) Description : SP Servicing DES : MRTG PMT CHECK # XXXX INDN:XXXX CO ID : XXXX XXXX Merchant name : get more information about merchant name change SELECT PORTFOLIO SERVICINGSelect to Edit the merchant name Transaction category : get more information about transaction category Home & Utilities : MortgagesSelect to Edit the transaction category No image is available for this check because it was processed by the merchant as an ele
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THIS COMPANY IS IN VIOLATION AND THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (LA)

My ex-wife and I entered into a mortgage in XXXX, with Midland Mortgage Company to secure a loan on our former matrimonial domicile. We divorced in XXXX or XXXX, and entered into a divorce judgement through which my ex-wife received 100 % ownership in our former matrimonial domicile. It was my understanding and my instructions to my attorney and, I believe, the instructions of the Court that I be removed from the mortgage. 
In XXXX, XXXX my fianc and I applied for a mortgage with XXXX XXXX on a home we purchased. As part of that application, XXXX XXXX researched our credit, and the aforementioned mortgage appeared on my credit report. I was surprised because I have not heard from nor had any dealings with Midland Mortgage since the time of my divorce in XXXX or XXXX. 
I contacted Midland Mortgage on XX/XX/XXXX, and they told me that I was not on the account and, therefore, not authorized to receive information about the account. They suggested I address the issue with XXXX XXXX who, in turn, referred me back to Midland. I called Midland back, and they again told me that I was not on the account and not authorized to receive information about the mortgage. Despite this, they did tell me that I was not a debtor on the mortgage and that I was not a debtor on any mortgage with their company. They suggested that I file a dispute with Midland which I did. A copy of my letter to Midland Mortgage Company dated XX/XX/XXXX, is attached hereto. 
Any help you might provide in removing Midlands mortgage from my credit report is greatly appreciated. 
Thank you