davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (AZ)

National Credit Systems , Inc mailed a collection notice to my home address and I received it approximately XX/XX/XXXX. I emailed them that same date to dispute the debt. They didn't respond. I followed up with emails on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have requested verification of the debt and I sent them a copy of a court judgment I had showing that my landlord actually owes me money. My bond agreement regards landlord : XXXX XXXX. The landlord on my lease is XXXX XXXX. I have a judgment against XXXX XXXX. The debt is therefore not valid. 

At first it seemed like they were claiming they didn't have my address, which is false, since I received their original notification in the mail. I also spoke with them on the phone on XX/XX/XXXX and told them they had my address correct. I have also called and requested verification on the following dates : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Their workers get mad at me when I ask questions. One of them hung up on me when I asked what she meant by validation of the debt. They often put me on hold and then never answer my call, so I resorted to leaving voice mails. I snail mailed them my request for verification and included the address where they should send it. I even followed up by sending them a self addressed stamped envelope. I'm starting to think this may be a scam. I'm not really sure why they would list an email address on their website and then not ever check it. That seems shady.
Consumer complaint received 2019-06-10
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. (TX)

I have requested multiple times for this account XXXX to be investigated properly with the original creditor and I'll I get is a response that the " data furnisher '' has verified the account. Yet the account being reported does not have any information on who the creditor is? Contact information? On some of my request I have asked who and how the account was verified to make sure it was not dont through what is known as the XXXX system or similar to it which does not constitute proper validation. I have also requested if the Reporting Agency Equifax has HIPPA release to hold such information since it is a medical account and again have failed to provide such, I will also follow a complaint with HHS.gov
Consumer complaint received 2017-09-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE (GA)

I 'm pursuing a loan modification, submitting all information that is required when I receive a letter stating that a foreclosure date of XXXX XXXX, XXXX had been set. I did n't understand because I was told that my file was complete and was under review. How can a foreclosure date be set when my case is still under review. It seems like dual tracking is taking place. I 've done everything they 've asked and I just want an opportunity to save my children 's and my home.
Consumer complaint received 2020-06-02
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2020-06-02
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2020-09-19
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. (GA)

previously sent you a request for verifiable proof of the accounts listed on my credit report that were not mine or were inaccurate. You took the 30 days required by law and still you failed to provide the necessary proof of these inaccuracies. You are required by law to have the original creditors documentation on file to verify this information. You have failed to comply with Section 611 of the FCRA and I demand these accounts be removed from my credit report immediately! I have also requested that all unauthorized inquiries be deleted from my credit file. You have failed to do so and I demand that any inquiry that does not have my signature attached to it be removed immediately
Consumer complaint received 2021-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There is a data breach on my report. There has been inaccurate information reported that does not display across each bureau. I am demanding immediate deletion.
Consumer complaint received 2021-07-01
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 Business Factors (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX Currently under dispute for the 5th time- Shows sold to XXXX XXXX in XXXX never was contacted- XXXX went bankrupt in XXXX. XXXX still shows as past due on Experian. 

All accounts in BK chapter XXXX show negative or past due instead of Discharged. in Experian. They actually showed both the last time I looked. 

The main one is XXXX- I believe it is fraudulent to sell a note to someone- XXXX and then sue to collect.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX 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 inquiries that are reporting on my Credit Reports :
Consumer complaint received 2017-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (IL)

I spoke to the creditor XXXX whom now owns XXXX XXXX. Explaining I had moved away during the time frame in dispute. The account was reactivated as a result of identity theft. The company told me these facts, I agree. Therefore I am not responsible for any charges. 

The collection company has reported the debt in duplicate on my XXXX file and continually verified as accurate, violating the FCRA. 

The collection company has re-aged the false debt in its reporting as a matter of fact. 

The company has failed to act on my request to stop collection efforts and return the file to the creditor XXXX XXXX XXXX.
Consumer complaint received 2017-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I wired {$12000.00} to my XXXX account on XXXX from my wife 's account at XXXX XXXX. It went out of XXXX XXXX on XXXX and was accepted by Coinbase/XXXX. They took the wire and then informed me via email that because my account was not in my wife 's name they would not credit my account with the {$12000.00} and would send it back within 7 business days. I then emailed them back asking to please talk to me to resolve this on XXXX and they have not responded. Case number was XXXX. 

After waiting the 7 days and then some, I emailed them again on XXXX asking what the status of the wire was. They responded with a canned email on XXXX that did n't specifically answer or help resolve my problem in the least bit. 

I told them if they did not help me I would continue to escalate the situation in that email. I do not believe they read my email but just sent a templated one that was crafted to alleviate the masses. Case number was XXXX.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

Around early XXXX I contacted the XXXX fraud department to update some inaccuracies on my credit report. There seems to have been a mix-up on the agent 's end as he deleted my current residence in error as there were multiple addresses similar to my current address. This was made in error my current address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Since then, I have not been able to access my current credit reports and scores. I have provided the documents that were requested by XXXX to verify my identity. I am in the process of purchasing a home, this is affecting my purchasing. 

There are also fraudulent items that do not belong to me, and I have included my FTC in my previous complaint.
Consumer complaint received 2021-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (WA)

On XX/XX/XXXX I deposited a check for {$2500.00} via mobile banking at KeyBank. Before clicking to confirm the deposit a window came up and said any funds deposited would not be available until Saturday XX/XX/XXXX at XXXX XXXX and asked if I still wanted to proceed with the transaction. I clicked ok and finished the transaction. Saturday XX/XX/XXXX at XXXX XXXX  I tried to pay a bill online and my card was declined. I called customer service and found out they had put another hold on my account until XX/XX/XXXX. They would not take the hold off and they would not cancel my deposit. Had I known this was going to happen I never would have deposited the check there. They lied to me and it has completely destroyed me. I had a work deadline to meet and was counting on that money to finish. Now I have missed the deadline which has cost me thousands. How can this bank tell me one thing and do a complete other? It's ok for them to lie?
Consumer complaint received 2021-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SERVISFIRST BANCSHARES, INC. (AL)

On Tuesday evening, XX/XX/2021 tried using my debit card to make a {$8.00} purchase at XXXX ... my debit card ( Serv 1st Bank ) was declined ( balance was {$410.00}, had gone to the bank earlier in the day ), tried several times. 

Last week the same problem tried to make a purchase on line, ( balance was over {$400.00} ), called the bank, spoke with Ms.XXXX, state that a previous online order ( on XX/XX/2021 ) made to XXXX in Arkansas was in question, but they let the order go thru, then decline my card for further use. 

Which did not make sense, if your questioning the purchase, don't allow the purchase to go thru. I made the purchase to XXXX on XX/XX/2021. 4 to 6 weeks ago the same thing happen again, tried making an online purchase, my card was declined. I called the bank spoke with XXXX or XXXX, he state that the bank controls my money, I then drove to the Bank, spoke with Ms. XXXX, she that the bank does not control my money, if there is a question then they contact me. 

I have never had a problem with my card until 3mos ago. I think it is racially motivated, by bias persons working at this branch and condone by the CEO of this bank. 

Please investigate Servis 1st Bank on XXXX XXXX, XXXX, AL XXXX.
Consumer complaint received 2022-09-18
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: Experian Information Solutions Inc. (FL)

The following Inquiries have been unauthorized to run my credit. I have no acknowledgment of these inquiries and never authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TransUnion is reporting bankruptcy info on my credit that isnt valid Ive called and ask to remove they refused, contacted the bankruptcy court they advised they do not report to the credit bureaus and is unaware of why its showing up.
Consumer complaint received 2021-09-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (GA)

On XX/XX/XXXX I sent {$100.00} to XXXX XXXX. He ever received it. I checked and the money was sent to XXXX XXXX as XXXX XXXX. The money went to her. I tried to contact her to send it back. No answer. I filed a dispute with Chime Bank. After 2 weeks they said the case was closed, no error. The money was sent in error. I should get a refund. I filed a timely dispute.
Consumer complaint received 2022-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: P.S.C., Inc (WA)

XXXX XXXX XXXX ( XXXX WA ) received the payment on XX/XX/XXXX, the amount was XXXX. Paid in full. 
I received a letter today XX/XX/XXXX from P.S.C Inc ( debt collector ) stating that I owe money to XXXX XXXX XXXX in amount of XXXX.
Consumer complaint received 2021-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

At XXXX on Friday, XX/XX/2021, Chase contacted me and stated that the mortgage auto-payment had been shut off by me, which I never did, and that the payment was now 36 days late. I immediately made the payment, and the representative assured me that all would be corrected with the credit bureaus and that autopay had been reestablished. When I followed up asking for confirmation that this had been completed, I was told by the service center that I had never had auto-payment established and that the late payment credit bureau reporting would not be removed. When I documented that I had, in fact, established auto-payment, they came back with the fact that while I had established auto-payment, I had also turned it off. I never turned it off and never received any communications that the autopay had been deactivated. After elevating multiple times, I was never able to make any progress in getting the issue resolved.
Consumer complaint received 2018-07-26
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. (CA)

XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX   Account was actually opened on XX/XX/2008 accounts have been closed I need to remove it out if my report if they are multiple closed accounts when it was only one opened.

This account has been taken over by XXXX XXXX. I'm a single parent and this impacting my credit score which I'm trying to improve. I don't see why it should continue if Accounts have been CLOSED
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

XXXX CAPITAL ONE CREDIT CARD ADDED ME TO A BLACKLIST DUE TO XXXX DISCRIMINATION RESULTING IN AUTO DENIAL OF CREDIT IN RETALIATION TO A COMPLAINT FILED ON XXXX SEE COMPLAINT XXXX THIS PREDATORY BEHAVIOR HAS LANDED THE COMPANY IN TROUBLE RECENTLY IN THE XXXX District Judge of the XXXX XXXX District Court for the SXXXX  District of TEXAS XXXX XXXX, I HAVE A 100 % PAY HISTORY, WITH NO COLLECTIONS THIS TYPE OF DISCRIMINATION IS AGAINST THE LAW.
Consumer complaint received 2018-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Account Control Technology, Inc. (OR)

This complaint is about account control technology inc. In XXXX   XXXX california they are the loan servicer on my student loans to start off there's a guy named XXXX who called me 15 times a day while at work and home he was relentless to the point I shut  my phone off these people are suppose to help me not harass me I asked for a loan discharge do to the fact I didn't have a XXXX  they say I checked the box that said I did I went into my account and I didn't check that box now they locked me out of my account I also told them when I went to school to become a XXXX XXXX worker I was not able to benefit from these classes cause I was told you can not work for XXXX XXXX   with XXXX   XXXX I have XXXX witch automatically puts me in disqualifying status that me the borrow could not meet because of the legal requirements required by the job the loan servicer didn't care and will not help me I asked for a full review of my student financial aid account from top to bottom they say I owe XXXX plus interest XXXX is the total they took a tax return for XXXX XXXX bucks that does not show they took I went to school for a short peiriod XX/XX/XXXX to XX/XX/XXXX So not for very long I stopped going because there was no way for me to benefit with XXXX XXXX XXXX plus no XXXX  the total time spent out of those dates at school was a short peiriod that's why I asked for a full review of my account immediately plus the XXXX XXXX tax return that doesn't show in the balance plz help me get this stopped or at least help me get a full review or loan discharge for false certification for disqualifying status because of my XXXX XXXX witch the school knew about but never told me i couldnt become a XXXX XXXX   worker they also knew i didnt have a XXXX so now they have attached my wages I can barely afford to feed my children plz help me I'm a single mother barely hanging on I'm so stressed out over this it's created a financial hard ship I don't know what to do I'm at the end of my rope with XXXX so bad I can't sleep eat barely make it to work these loan servicer are not out to help me there out to sink me and my children please help me thanks for your consideration I don't know what to do sincerely lost hope.
Consumer complaint received 2018-06-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

I went to the Chase.com website to open a military bank account and I did this on a PC then on an XXXX and at the end of the application they told me it went through and then kicked it back and said oops something went wrong. So they processed it 3 times and then kicked it out of the online system and said that I had to try again. 
Attached to my email is the video
Consumer complaint received 2023-02-22
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX IN. XXXX ) : # XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) : # XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) : # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX ) : # XXXX XXXX  : # XXXX XXXX : # XXXX XXXX XXXX XXXX Aut XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-07-26
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. (PA)

I opened a XXXX card in XX/XX/XXXX, left it go to collections and it closed XX/XX/XXXX. Pair it off XX/XX/XXXX. It was last reported XX/XX/XXXX. Called equifax to have it removed. Lady told me no it had to stay on until XX/XX/XXXX. Im calling XXXX on this one.
Consumer complaint received 2018-07-26
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. (TX)

On XX/XX/2018 Equifax has responded to my previous complaints, that they require me to send a copy of my drivers licence and social security card before they will make the needed correction to my file with them. I have provided them proof I owe nothing on this XXXX/XXXX collection item, more than 6 times. Now suddenly, they require ID to proceed any further. I have repeatedly proven amply who I am by all of the normal ways used by them and all other CRA 's. I question why Equifax is stalling me on removing this false collection claim from my record with them, as soon as I gave the XXXX balance in voice to the other CRA 's, they quickly deleted all record of the collection from my files with them.