davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (SC)

Greetings I XXXX XXXX am contacting you regarding my self lender credit card account. I am coming in good faith good conscience and good reason in order to settle this matter as peacefully as possible I recently reviewed my consumer report and realized that there were some inaccuracies in your reporting it appears that your company is reporting a late payment on my account from XX/XX/2021. This negative reporting is violating my rights as a consumer violating my right to privacy and has been damaging to my reputation. Under title 15 Usc 1692 this is false and deceptive means of collecting a debt as well as unfair debt collection practices. I enjoy your services and by the grace of god I am requesting that this account reporting be updated to paid as agreed and the late payment be removed so that my god given right will no longer be violated so that I may continue on my journey of self determination and the pursuit of happiness. please provide me with an updated report stating that these adjustments have been made to the reporting on my account. Noncompliance and negligence will not be tolerated, violation of my consumer rights will not be tolerated please provide me with the proper information on. how to contact your legal department for all future occurrences that may occur The Account number is XXXX my phone number is XXXX
Consumer complaint received 2020-06-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

In XXXX of XXXX  my coinbase account was hacked and used to make {$250000.00} the irs sent me a letter this year and said i owe XXXX in back taxes now. I have attempted to contact coin base for weeks via their customer service app and twitter. I filed identity theft papers with the IRS and a report with the FBI to resolve this issue. Please help me get in contact with coinbase so i can straighten this out my banking documents prove i never recieved the money. 

Also as of today i can not transfer the money i have in coinbase back to my account. My bank and debit card are now unlinked .... 

After the last big movement in bitcoins price the application froze and crashed i could not sell the coins so i lost money. The fees for conducting transactions only display zero and after the transaction occurs there is clearly a fee deducted. 

All i want is my money out of my account my taxes fixed and to never deal with them again. PLEASE HELP.
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (NE)

On XX/XX/XXXX at XXXX AM, I received an email from Discover with a promotional statement saying that if I purchased a {$45.00} XXXX 's XXXX  membership by XX/XX/2020, then I would earn a {$45.00} statement credit back in 3 billing cycles. I had read through all the terms and met them all and proceeded to buy the {$45.00} membership on XX/XX/2020 with my Discover card. I have attached the statement on my discover account and the receipt from XXXX 's XXXX I had not received the promotional credit by XXXX still, so I proceeded to call Discover on XX/XX/XXXX. The first representative I had spoken to could not find the credit on my account but only found the memo that discover sent to me, which is also attached. She said that if I had to received the credit by now, then I do not qualify. I asked her why, and she said she did not know. From there, she escalated the situation to the supervisor, XXXX, who went line by line with me through the promotional statement and ensured that I met each term and condition. He believed that it was because the purchase on my discover card was {$47.00} and not {$45.00}. I said that this was due to sales tax, and he asked me to email him the receipt from XXXX 's club to ensure that this {$2.00} was sales tax. I emailed him and attached the email. He said that he would call me back within XXXX XXXX to follow up, and I never received a follow up call. Since I did not receive a follow up call, I called Discover on XX/XX/XXXX to ask about my credit. In this call, I was ensured that I would be receiving the credit by the XX/XX/XXXX billing cycle. It is currently XX/XX/XXXX, and I still have not received the credit. I called Discover today, XX/XX/XXXX, and the first representative I spoke seemed to not know what she was doing and had me on hold the entire time. She immediately directed it to a supervisor who stated that if I had not received the credit, then my account did not qualify. I asked why, and she said she did not know and there is no specific reason. She then proceeded to tell me that if I was told on XX/XX/XXXX that I did not qualify, then even if I was told on XX/XX/XXXX that I would be getting the credit, it does not matter. I told her that I was never told a direct yes or no if I qualify, only that the supervisor, XXXX, would be following up with me. I told her that I never got a follow up call, and she said that she would look back at the calls to ensure I was told " no '' I would not be getting the {$45.00} statement credit. She gave me the number to directly call a supervisor back in XXXX XXXX
Consumer complaint received 2017-12-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (SC)

XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX did a hard inquiry without my consent. I do n't know who this company is and I have never heard of them. I contacted them and spoke to a foreigner or repeatedly asked for my personal information without finding me in their system. I disconnected the call due to repeated occurrences of asking for my personal information. I have dropped a number on my credit score. I have paid off one bill so far and know it takes awhile to show up. The main issue is this hard inquiry.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial XXXX and defamation of character along with 60 plus days of no response.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Total Card, Inc. (CO)

I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXX XXXX XXXX XXXX, XX/XX/2018 and XX/XX/2018. All of which I still havent received a response. This is way past the 30 days the company has to respond
Consumer complaint received 2021-11-10
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: CITIBANK, N.A. (VA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} Bloomimgdales XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A
Consumer complaint received 2019-09-27
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. (ID)

XXXX  ; Experian and XXXX  are reporting incorrectly a late in XXXX, 2018 on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am in school and these loan payments have been deferred and therefore there are no late payments to report. This incorrect reporting of a late is harming my credit score and these lates need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-11-04
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PENNYMAC LOAN SERVICES, LLC. (MO)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that PENNYMAC LOAN SERVICES LLC has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (TN)

On XXXX Regions bank allowed an unknown person to remove {$1900.00} for two of my accounts for a total loss of {$3900.00}. They have since been extreamly hostile and uncooperative in refunding their mistake. Saying openly that they will drag their feet about this for as long as they can.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I previously filed CFPB complaint XXXX on XX/XX/2021 because an extended fraud alert was missing on my Transunion credit report. Transunion claimed to have fixed the problem and on XX/XX/2021 sent me a new credit report, which while including the extended fraud alert, was now missing my security freeze. As information that should have been in my credit report now appeared to be missing, I also decided to pull another copy of my Transunion credit report on XX/XX/2021. The XX/XX/2021 report was once again missing my extended fraud alert, which Transunion previously claimed to fix. It appears Transunion did not properly fix the report. My report should include three credit report messages : an extended fraud alert security alert, a security freeze, and a promotional opt out. The last three Transunion reports I have pulled have only included 2 out of the 3 messages.
Consumer complaint received 2023-03-10
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: JPMORGAN CHASE & CO. (OH)

JPMCB Card services shows up on credit report as a hard inquiry on XX/XX/XXXX. I did not authorize or apply for a card or a loan from them. I tried calling XXXX on XX/XX/XXXX. I could not get through to alive person to speak to since I don't even have an account with them to resolve it.
Consumer complaint received 2022-04-26
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. (CA)

The following accounts are being reported inaccurately. The accounts are listed in the good standing section yet have late payments that are hurting my credit. Please remove all of the late payments. I have attached a copy of my credit report so you can see. 

Account numbers : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

On XX/XX/XXXX, I started a refinance of my VA loan using the IRRRL with a new lender. On XX/XX/XXXX, Loan Depot began violating Title 12 U.S. Code 2605 ( k ) ( 1 ) ( C ) by misallocating payments, to wit, ( 1 ) paying the old home insurance company twice in the amounts of ( {$1800.00} ) that were not due to them from my escrow account ; ( 2 ) failing to pay my new home insurance company in the amount of {$740.00} which was due on XX/XX/XXXX ; ( 3 ) removing my XX/XX/XXXX payment and sending it back to me in the form of a check in the amount of {$1800.00} ; ( 4 ) charging me a late fee for the month of XX/XX/XXXX payment that they erroneously sent back to me in the amount of {$73.00} ; ( 5 ) because of the herein stated they could not finalize a Payoff amount need for me to set a closing date for the refinance of my home ; XXXX 6 ) on XX/XX/XXXX filed two Notices of Defaults against my home instead of correcting their errors regarding the payments for XX/XX/XXXX and XX/XX/XXXX to avoid a non-judicial foreclosure problem theyve created with these payment errors.
Consumer complaint received 2022-04-26
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. (TX)

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

15 U.S.C 1861 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have received this year two letters of credit denial from XXXX at XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX, the first on XX/XX/2019, then XX/XX/2019, both times, they have pull my credit, with my authorization, never have applied or inquire either written or verbal for any credit lines or an account with them, the first time I send a letter to the instruction and their CEO with a copy of the denial letter, neither bother to respond. This organization is committing fraud big time, the federal government needs to investigate them
Consumer complaint received 2021-01-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shellpoint Partners, LLC (TX)

When applying for a refinance mortgage, I found that I had an adverse account listed as Shellpoint Mortgage. I knew that I had never been late with my mortgage payments and never heard of nor was contacted by Shellpoint. I called on XX/XX/XXXX and was advised that the account was referred to them, but had a XXXX  balance listed when it was received and that it never had an amount due. I was advised that the account was attached to the home I sold in XXXX of XXXX. Ditech, the mortgage company, was paid in full at closing. I was told that Shellpoint would remove the account from credit reporting and that it could take up to 30 days. I also received an email of a printout from their system indicating what I was told. I called to follow up on XX/XX/XXXX and was told that the first person opened the wrong ticket and that I would have to write in to make this request. After some pushing back on my part, I was told that a Team Leader, XXXX XXXX, would put the request in today. I will be writing the letter they say I need to send them asking them to fix their mistake as well, but was told that I should send it certified because they are behind on mail and I can't assume they received it! 
It is beyond me how a XXXX  balance can reported to a collection agency in the first place. However, it happened. The response received from them is just not acceptable. Any assistance you can provide in expediting this would be greatly appreciated. I will also be writing the XXXX  in hopes that others will not go through this with Shellpoint in the future.
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MA)

Chase had sent me two letters recently claiming that they could not locate the transaction information that I requested. 

Chase has not provided any reasons why they could not locate the information nor they identified clearly on their letters which transaction information they are referring to.
Consumer complaint received 2023-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2019-06-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc (OH)

On XXXX/XXXX/XXXX I received a message from my Bank listing two transactions from PayPal. 
Paypal debited my account for XXXX and the XXXX debited my account for XXXX. 

I called XXXX and they credited my card back on the spot. Then I called my bank to have the card blocked. And told them about the XXXX charges. The bank said they would contact paypal. 

Since it was after XXXX on XXXX. I got on the internet to contact PayPal.They gave me the run around and would not tell me who used my card and why. ( I have email transcript ). The unauthorized user of the card had more rights than the owner of the card in there eyes. 

On XXXX I called PayPal, They took me thru a series of questions before they would tell me who used my card. Then Paypal said the would issue me a credit back on XX/XX/XXXX. PayPal also stated they have no way to protect my card information what another user list it as their payment method. WOW! This is enabling people to still. 

Problem for Censurers : - No data base check to see if existing credit card is on file. Before a new payment ID is established. 
- New/existing user requesting to add new payment method should have to verify existing credit card information and it should match. Before access is granted. 
- Existing card holder should be notified that someone else is attempted to add there card for use. 

If PayPal can verify user id and email address, they should run a check on their data base to see if the payment method is existing. 

Resolution : I want the person who stole my credit card information to be PROSECUTED ASAP. 
The broke PALPAL service agreement and committed a crime. Also I know this person soled or shared my card information due to the other transaction. 

PayPal and XXXX need to launch an investigation on how they allowed this user to INFILTRATE their data base to gain access to their customers financial information without having to verify there identity. 

I want my money back XX/XX/XXXX not XX/XX/XXXX. This breach has caused me high level of stress, a firm dis trust for both their services. I am a nervous wreck, because I dont know what other personal information he mayve obtain thru PayPAL/XXXX negligence to protect my data on their data base. PayPal and XXXX need to held accountable.
Consumer complaint received 2017-12-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kross, Lieberman & Stone, Inc. (NC)

Ask the collection company to prove they have debt with me and was n't a collection agent that bought a account for pennies on the dollar and is now coming after me for a debt that they cant prove by any form of contract that I ever did any business with thus company!!!
Consumer complaint received 2019-06-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NJ)

I received the promotion from Chase about new Sapphire Checking account. It stated I should have received XXXX ULTIMATE REWARDS BONUS POINTS after transferring a total of $ XXXX.I applied the coupon code and opened the account in XX/XX/XXXX and have kept the above XXXX balance in Chase YouInvest investment account ever since. 

However, it has been five months since I opened the account and I never received the reward points.I tried to contact Chase multiple times and they claimed I never had the coupon code. I was really frustrated and have showed them the coupon code I received and applied. There are no follow-ups and I am really concerned now as this is not the way Chase should treat its customers.
Consumer complaint received 2018-07-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Hewitt-Capital (MO)

XXXX XXXX with Hewitt Capital called my work today asking the receptionist to speak with me regarding, " an urgent matter '' After she informed him that I an unable to take personal calls at work XXXX XXXX proceeded to tell her that " my wages are in the process of being garnished '' in knowing direct violation of my rights and privacy. Upon checking my voicemail on my cellphone later that day XXXX XXXX is threatening legal action against me if the phone call is not returned by the end of the day when he " makes his decision '' I have not been given anything in writing by this company or know who XXXX XXXX is or the company he represents. What I do know is that he knowingly and willingly violated the law in order to try and intimidate a response at me. I can not and will not take personal calls at work and it is my right to expect XXXX XXXX respect my privacy and rights.