davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I opened a new checking account with Chase online. The account set up process was seamless and included an identity verification check as well as a XXXX XXXX report. Upon opening the account, I immediately funded it with a XXXX transfer from my account at XXXX XXXX XXXX. I assumed the entire process was fine and I would have no issues as I've been an existing Chase customer and had a relationship through my Chase Sapphire Preferred card. 

On XX/XX/XXXX, I received an email from Chase informing me that my account was restricted and that I had a new letter on my online portal. The letter informed me that my account was being closed but that I had the opportunity to prevent the closure if I called XXXX. Later that evening, I called the XXXX number and spoke to a representative that informed me that I needed to verify my address using 2 forms of ID at a local chase branch. 

On XX/XX/XXXX, I went to my local Chase branch ( XXXX XXXX, FL XXXX ) where I was informed that there was nothing they could do to prevent the closure as the account had already been closed and could not be reversed from their side. I tried to explain that I had called only yesterday and spoken to a representative who said the only thing I needed to do was verify my address. They said that there was nothing that they could do to reverse the closure at the branch except schedule another appointment next week to open a new checking account. I was told I would be mailed a check with the money I used to fund the account.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MD)

Ally Financial This Bank is reporting on my record that the loan is a charge off it is also reporting that I have a past due on my record. This account was settled it was a vehicle in accident and was paid by the insurance agency. So this is an inaccuracy on my report and should be removed immediately. I have sent several letters to all 3 credit bureau and I am not getting any results this is causing a major problem.
Consumer complaint received 2020-11-15
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)

The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX CARD. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations Equifax to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.
Consumer complaint received 2021-09-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

On XX/XX/2021, I tried to transfer XXXX ETH and XXXX BTC from CoinbasePro to XXXX. I received an email from Coinbase asking if I wanted to go through with the transfer. I changed my mind and decided to cancel the transactions. Then, when I looked at my balance of ETH and BTC in my CoinbasePro Account, the cancelled transaction showed up as a pending transaction. I did not think anything of it at the time ; however, now it has been over two weeks and my transactions are still stuck in pending and I can not access my funds at all. This is costing me lots of money at this point as the crypto market is volitile and having access to one 's funds in order to sell before a market crash is essential to maintain the value of one 's assets, or gain a profit.

I reached out to CoinbasePro via their website and followed their instructions on how to make a complaint. At this point, I have made many complaints, tried to contact them on social media including XXXX and XXXX, without any success. I even almost got scammed on XXXX by trying to get CoinbasePro to attend to my issue.

I have received automatic responses from CoinbasePro with messages that they have received my complaints and that my issues have been resolved, but this is not true. I have checked my CoinbasePro account as recently as prior to typing this complaint, and my issue has still not been resolved and my funds are still stuck in a pending transaction and I am still unable to access my funds due to this. 

Please help me. I don't know what else to do. All of my funds are tied up with this company and I am panicing. Thank you for your consideration.
Consumer complaint received 2020-07-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (TX)

On XXXX, XXXX, I placed a complaint about this Debt Collectors company, RESURGENT CAPITAL SERVICES L.P., located in XXXX, SC XXXX XXXX XXXX XXXX, phone XXXX XXXX XXXX XXXX. At that time, they were harassing me, in less than a month they sent me five notifications about an old credit card debt from the year XXXX for {$18000.00}, using confusing language that overshadows and contradicts information. 

I respondedto all five notificationsas they arrived because they keptthreateningme that if I don't respond to dispute this debt in 30 days, they'll obtain a copy of judgment. In order for me to respond to them, I had to expose myself ( I'm XXXX XXXX XXXX ) and others to this deadly Coronavirus COVID-19, every timeI had to go to print the response letters, and to the Post Officeto mail them.In all my responses I've disputed this debt and I've asked them to stop contacting me, at least they want to pursue this matter in court, but they haverefused to do it bycontinuing to send me more notifications. Also, I haveverified that the Statute of Limitations for enforcing this type of debt through the courts in Texas has expired ( I have mentioned all of this information on my previous complaint ). 

On XX/XX/XXXX, RESURGENT CAPITAL SERVICES L.P. responded to my complaint to theConsumer Financial Protection Bureau ( CFPB ), citing on their 2nd page that : " Our records indicate that XXXX XXXX XXXX submitted a notice requesting that we cease communication with them to this office on XX/XX/XXXX. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that our office initiates no further contact to the customer, except to respond to specific requests received from the customer. Please be advised that the cease and desist notifications received also states that XXXX XXXX XXXX disputes the validity of the debt. '' ( response attached ) I HAVE NOT askedRESURGENT CAPITAL SERVICES L.P. to respond to any specific requests since my lastcease and desist request on XX/XX/XXXX. 

On XX/XX/XXXX, once again, they've sent me another notificationusing the same old confusing language that overshadows and contradicts information as the five previousones before I placed mycomplaint on XX/XX/XXXX ( picture attached ). 

All six notices are coming from the same XXXX XXXX XXXX, XXXX MI XXXX And the same Correspondence Department XXXX XXXX XXXX, XXXX, SC XXXX
Consumer complaint received 2021-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MI)

Never got a letter or anything just checked my credit and there this Jeffcapsys for XXXX XXXX is for {$930.00} on a debt that I have never had. I talked to XXXX the account was opened when I was XXXX. Ive been u see my parents cell phone threw XXXX  my entire life : I have tried removing this but Jeffcapsys person on the phone says too bad pay or we will sue.
Consumer complaint received 2021-07-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Medical Data Systems, Inc. (NC)

Re : MEDICAL DATA SYSTEMS D/B/A MEDICAL REVENUE SERVICE XXXX AL XXXX ( XXXX ) XXXX This is a Medical bill that originated from XXXX XXXX. Originally sold to XXXX XXXX. I made an arrangement with the creditor and was advised when loan payed off it would be deleted. Payment arrangement was auto debit {$75.00} from my account. Last year, the account was deleted from my report. Assuming it was paid, I felt my account was in good standings and was satisfied. Today I receive an alert, this collector XXXX XXXX has reported me past due. No 30 day written letter was sent advising me my account was seriously past due. I didnt even know who they were until today. When I called collector was verbally abusive saying well we sent a letter saying it a payment would be drafted. I responded do u know how many autodebits I have, thats not saying Im late. They advised we called, when I asked for the number it was my old number. So at this point, Im nothing has been sent saying I owe you. They go well if u had looked at the letter youd see the balance was the same. I said actually no, I didnt see that, when I get my bills if doesnt read disconnect service or adverse action letter credit reporting warning 30 days I disregard. So I asked did you send me a letter stating the account was past due. They said no. I said did you send me a 30 day letter of credit reporting per FCRA, they said no. I said well how the heck was I supposed to know I owed you money. She stated you should keep better track of your bank account and youd know it didnt draft. I advised her if the card on file is not valid it will not reject therefore I wouldnt be aware that there is an issue. Moreover, I didnt even know they had my account or what it was in reference to, I just knew I had multiple medical bills from my accident and assumed it was valid. 
Now my credit has a derogatory mark that I discovered not from creditor but through my credit alerts. My FICO credit was at XXXX its now XXXX point reduction. Had I known about this past due, i would have paid it before it hit affected my credit. I wasnt given the opportunity and they refuse to remove or give me 30 days to rectify. They kept patronizing me saying its been 3 years. I advised them a payment plan is not unusual for medical bills but I cant pay on something I dont know is outstanding. No payment rejected in my account, no past due letter is sent, and finding out from the credit bureau when all they had to do was send me a letter is unacceptable. 
Please investigate their poor collection practices. I need this removed off my credit file immediately.
Consumer complaint received 2021-03-03
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. (OR)

I am writing to inform you about an error on my credit report and request that you provide me with verifiable proof or delete the record immediately. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the court sent to your credit reporting agency as evidence that the information is correct. Bankruptcy ( Discharged CHXXXX ) I found such inaccuracy in bankruptcy in credit report : Reference Number is incorrect. No contact information. If you are unable to verify the account, the information should be removed from my credit report Thank you for your help.
Consumer complaint received 2018-07-05
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I have received multiple collection calls from One Main Financial for a person that used to have my work phone number. I told the collection agency that I am not the person they asked for, and to stop calling my work phone number. They informed me that they would put down that the number is not valid anymore, but I have since still received at least 4 calls.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

I have submitted 4 disputes trying to get information from XXXX XXXX XXXX off the credit report. I have most recently ( XX/XX/XXXX ) provided a letter from the company. This has NOT been removed. Each company has been pointing to the other company as for who is responsible for this not being removed. I have spoken with managers including XXXX with Equifax and XXXX from XXXX XXXX XXXX. XXXX stated they ( XXXX ) need to electronically delete the information from their side and XXXX stated they have requested a manual deletion since XX/XX/XXXX and have no control over if Equifax actually deletes it or what timeline they move. Even after submitting the letter XXXX from Equifax stated that the letter meant nothing if XXXX  did n't accept the letter as proof and voluntarily delete it. I believe XXXX  has done what they can do because its been deleted from my XXXX report and Equifax is the only one not deleted. However even after submitting a letter from XXXX to XXXX attached to the dispute onXX/XX/XXXX it was NOT updated. As of XX/XX/XXXX it is still reflecting that the account is paid with a {$0.00} balance. I have a mortgage loan hanging in the balance and neither company seems to care that time is of the essence.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Despite verified proof of total payoff of my loan account & verified release of title to me ( verified via my Toyota Financial account ) recently I received a notice that Toyota Financial has listed my account as " delinquent status '' with credit reporting agencies despite being paid off in full, irreparably damaging my credit history. This mistake has caused serious pain and psychological damage and demands financial relief. Toyota has yet to respond to my repeated requests to fix this and this fraud must be addressed and I need to be made whole given the grievous negative affects on my credit score as I am house searching. Toyota internal request XXXX
Consumer complaint received 2023-02-23
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)

Ive never done business with this company. XXXX XXXX  They sent a contract to me with wrong address, Fake signature, different balance amount then on my report, different reporting date, and no SSN. I never gave anyone permission to use or report an of my personal information. Please have this account removed from all three of my credit reports. 

Thank you
Consumer complaint received 2021-03-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc (NV)

Approximately three months ago, I noticed Plusfour Collections on my credit report. XXXX XXXX was the original creditor. 

I called Plus Four to dispute the debt. I have XXXX XXXXXX/XX/XXXXXXXX XXXX. My insurance company will pay the bill. 

I called XXXX XXXX. They told me they were using a different third party billing company. After escalating my complaint, I learned this was for an XXXX on my XXXX on XX/XX/20. 

I called XXXX XXXXXX/XX/XXXX and asked why they did not pay the bill? XXXX XXXX never submitted a claim to them or a bill to me! How then can they send me to collections. 

I filed a grievance with XXXX XXXXXX/XX/XXXX, and learned there are many people like me. 

My dispute with the credit bureau was " verified '', and remains on my credit report. 

I called Plus Four and was told if XXXX XXXX sends them a letter stating my account was referred in the error, they will remove it. XXXX XXXX has not addressed my issue. Meanwhile, my insurance premiums increased, and I am being denied credit for a recent collection! 

I also filed a complaint withXX/XX/XXXXXXXX XXXX. They are trying to advocate for me, but advised they are not a regulatory entity, and can't make them do anything. 

Please help me!
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is a two fold request, first off there's an account from XXXX  XXXX acct # XXXX I was an authorized user on account! But I'm not the primary card holder please remove account. Also there's an account from XXXX XXXX  that's not mine I'm asking for removal of account as well
Consumer complaint received 2020-07-21
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. (NY)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
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 — Information belongs to someone else
Company: National Credit Systems,Inc. (SC)

I called and sent in police report that my information was stolen and these items keeps coming up verified, of course it would they had my birth certificate, social security card, and ID. I asked for proof of a signed contract by me plenty of times but never got it! Please validate with a signed contract by me or delete!
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 information incorrect
Company: EQUIFAX, INC. (TN)

Late Payments Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$8700.00} Dates of Late : XX/XX/XXXX Account Name : XXXXXXXX Account Number : XXXX Balance : {$1600.00} Dates of Late : XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how I was late in those months. I know I have made those payments to you. I might have gotten my statements late during those months.. But I have always made my payments on time.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

Under the rights FCRA, My rights have been violated by the 3 credit bureaus. Equifax, XXXX, XXXX. For the past year now XX/XX/2019. There has been inaccurate information placed on my credit file. Account information inaccurate, Old fraudulent debt reported has new. Between XXXX, XXXX, XXXX. I disputed 3 collection agency with the 3 credit bureaus. XXXX XXXX, XXXX XXXX. ALSO XXXX XXXX XXXX. Two which were medical debt that was not mines. Credit reporting agency allowed these collection agency to report inaccurate information, I send letters in for validation. These agency violated HIPPA. They violated my rights under FCRA. In XX/XX/2019 I sent in Proof of these violations to the 3 reporting Agencies. After a few weeks they deleted this items off of my credit report. I have all Proof and paper work. As of XX/XX/2019 Equifax, XXXX, XXXX, has allowed these same collection agencies to report inaccurate information on my credit file as New! While I'm proceeding litigation. This has caused my credit score to drop significantly. This has cause so many damages under FCRA, it has also caused me and my family distress. I have all of my paper work together along with proof of inaccurate, on all of my credit file. Under FCRA Part ( A ) ( 5 ) ( B ) ( ii ), Also Under FCRA Section 611.
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 information incorrect
Company: Experian Information Solutions Inc. (MD)

I am identifying myself as a consumer. According to my consumer rights I am requesting debt validation of all of my all the student loans on my credit file. If the original contract with my wet signature is not provided then the accounts should be removed from my credit file!
Consumer complaint received 2017-06-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BBVA FINANCIAL CORPORATION (AL)

The  Loan i applied for has not been approved so i need the approvement to facilitate the loan acquired for. I applied for the Loan on  the  XXXX / XXXX /   2017  and the loan amount is {$5000.00}
Consumer complaint received 2018-07-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC (WI)

A finance officer named XXXX is repeatedly using my credit cards on file to pay on my car loan without my permission. The last time was XX/XX/2018. I've talked with XXXX and his manager Ms. XXXX and this unauthorized practice is still occurring. For the past year I've been making payments on my own.