davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-02
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (ID)

I tried to sell XXXX XXXX XXXX. He contacted me, overnighted a check for {$15000.00} XXXX XXXX over asking price ) Wednesday XXXX. Check cleared my bank XXXX then he asked me to send XXXX to this mover, XXXX to this mover via XXXX, and XXXX via XXXX XXXX to other people. Next day, XXXX my bank put a hold on it and now Im stuck to return those funds. I contacted my bank, told them I suspected fraud and they said it would take till XXXX to determine if its fraudulent. Chase bank
Consumer complaint received 2021-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2017-12-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

IC System Inc is reporting a collection account for XXXX. They show on the credit report that the account opened in XXXX of XXXX. This is inaccurate and misleading. Any account I had with XXXX would have to have been years and years ago not 2 months ago. IC System Inc is re-aging the account which is a violation of FCRA Section 605 ( c ).

IC System never attempted to validate this debt before reporting it. I disagree that I owe anything. They have never made any contact with me and I have lived at same address for 8 years. This is a violation of Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b )
Consumer complaint received 2020-04-30
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/2020 Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX VIA U.S.P.S. CERTIFIED MAIL/RETURN RECEIPT REQUESTED Re :  Request for auto loan relief due to COVID-19 ( coronavirus ) pandemic Account number : XXXX To Capital One Auto Finance, On XX/XX/2020, the World Health Organization designated COVID-19 as a pandemic. In a short period, in the US, over 6,223 cases and over 100 deaths have been reported. 
Many companies and schools have closed due to COVID-19 cases or exposures.

I have suffered a substantial loss of income related to COVID-19. Unfortunately, my loss of income will negatively affect my ability to timely pay my car payment in full. Please let me know if you will waive late fees and accept partial auto loan payments. 

I understand that your temporary acceptance does not waive your rights or remedies. Please know that I will not be able to make XX/XX/XXXX payment of {$570.00}, which includes late fees of {$140.00}. Please refrain from any negative credit reporting during this limited hardship period. It is my hope that I am able to supplement my income to get my payments current. In light of this, please do not proceed in any repossession actions due to any default. 

Thank you in advance for your attention to this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2021-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-01-27
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. (AL)

My concerns with XXXX XXXX and their unfair credit reporting processes. 

I paid my account within 30 days ( XX/XX/XXXX ) and was reported late. 

Also, I modified my account in XXXX and I was advised once the modification was complete my payment would not be reported late. 
Loan Modifications include loan reporting requirements that result in the mortgage continuing to be reported as current and paid in full, if the requirements of the program are met by the homeowner. 

My payment was reported late for 9 consecutive months.
Consumer complaint received 2021-01-27
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. (AL)

My concerns with XXXX XXXX and their unfair credit reporting processes. 

I paid my account within 30 days ( XX/XX/XXXX ) and was reported late. 

Also, I modified my account in XXXX and I was advised once the modification was complete my payment would not be reported late. 
Loan Modifications include loan reporting requirements that result in the mortgage continuing to be reported as current and paid in full, if the requirements of the program are met by the homeowner. 

My payment was reported late for 9 consecutive months.
Consumer complaint received 2022-09-16
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: Credit Karma (PA)

Hello, Ive been a member of Credit Karma for years. Ive been denied by 3 lenders that they told me, Ive been pre-approved for. These inquiries made my credit score drop tremendously. Making it even more difficult to get approved for anything. They suggested I applied to improve my credit score, due to me not having a credit history. Now, its hard for me to do anything. This was false advertisement.
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: FISERV INC. (PA)

https : XXXX Husband thought the eip debit card was a scam so cut it up. Have seen information that it may have been legitimate. " Money Network '' company? Below is on their page : " Go to Money Network home page Lost or Stolen? 
XXXX Go to Money Network home page HomeFAQsATM LocatorContact Us Login Start using your EIP Card Your Economic Impact Payment Card contains the money you are receiving as a result of the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ). The EIP Card is sponsored by the Treasury Departments Bureau of the Fiscal Service as part of the US Debit Card Program. Now that youve received your Card, heres how to activate and start using it. 

SafeConvenientSecure economic impact payments card '' Another site says, " If you do throw the card away, you can get a replacement by calling customer service at XXXX XXXX XXXX XXXX XXXX, according to XXXX, which provides information on how to use the cards. While the cardholder agreement says it costs {$0.00} to replace the card the first time, there is a {$17.00} charge for priority shipping of the new card. '' That'd be great if the phone number actually got you to customer service or a real person. The phone options do not allow you to get farther than it wanting you to input the card number - you know, the number on the card you destroyed ...?? Help please.
Consumer complaint received 2021-10-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WA)

Coinbase allowed an unknown person to gain access to my account and disable XXXX ( multi factor authentication ) that I had previously enabled for my own protection. That person ( s ) purchased additional virtual currency with my linked credit card and bank account and immediately transferred the available funds, about {$3800.00} worth, to an untraceable address. I altered coinbase as soon as I saw the emails saying I had transferred funds. But their only method of contact is email so a rapid response is not possible, no phone or live chat is available for their customers. I changed my password and locked my account to prevent any further access. When coinbase later responded they said all charges are final no refunds will be offered. It is their laxed website security that allowed someone to change my security settings then quickly transfer out my money. They charged purchase fees on these fraudulent transaction and actually made a profit while I lost about {$3800.00}, they have no incentive to fix their account security since they still make money even when they let your account get hacked. 

Common sense would dictate when an accounts security is changed like email address changed, multi factor authentication method disabled or password changed that account should be prevented from sending any funds out for 24-48 hours. They did not do this. 

I filed a complaint with the FBI Internet Crime Complaint Center ( IC3 ) and local law enforcement.
Consumer complaint received 2021-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

In XXXX of 2019 I became locked out of my XXXX  website and phone app. Whenever I go thru the password reset it tells me to call and I get phone representatives who are unable to unlock the website. I opened several different disputes by phone on several different occassions since and have not been able to log into the site or app to date. Its been almost 2 years now and I would like a status update on all the disputes I have opened with them to date by phone. Please send me a physical printed and mailed paper copy to my address on file. I have requested this many times and the phone reps refuse to send it or unlock the app. Thus causing me to not be able to remove the fraudalent reporting in dispute. Please assist. XXXX stuff happens in XXXX Florida. Please help.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have made multiple attempts to correct the information in my credit report but have been unsuccessful. My first dispute was not acknowledged. Experian continues to add and remove items on my report that are still incorrect and fraudulent. Multiple alleged accounts are on my credit report with. Multiple addresses and names that have no association with are still on my credit profile. XXXX I sent a dispute to Experian with certified mail to keep record of my request and the time they have by law to correct this issues. These account could possibly be identity theft and effecting my ability to access credit that I and live a peaceful life. 

15 U.S. C 1681 C-2 5 U.S C 552-A
Consumer complaint received 2021-10-13
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: EQUIFAX, INC. (GA)

I have disputed this account on numerous occasions with XXXX, Equifax, & the Creditor ( XXXX XXXX  ). Neither company are properly responding to the dispute and this is my final resort before seeking legal action. 
The account is being reported as a Repossession Inaccurately between XXXX & Equifax. 
To my understanding the FCRA states that the CRA must correct or remove inaccurate, incomplete or unverifiable information in their files. CRA 's must remove obsolete information in their files. Which has not been done. 
The following inaccuracies are being reported on XXXX vs Equifax which are reporting differently : XXXX reports a high balance of {$12000.00} vs Equifax reports a high balance of {$10000.00} XXXX reports a date of last activity/payment of XX/XX/XXXX vs Equifax reports a date of last activity/payment of XX/XX/XXXX ( In reference to XXXX inaccurate reporting the car was repossessed in XX/XX/XXXX so how is the last day of payment after that date for a vehicle that was no longer in my possession ) XXXX reports a Payments status as " Unknown '' vs Equifax reporting a Payment status of Collection/Charge off.
Consumer complaint received 2021-01-27
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. (IN)

I am notifying the FTC and CFPB that my identity has been stolen and used for fraudulent purposes. 
My personal information is as follows : Name : XXXX XXXX Date of Birth : XX/XX/1989 Someone has used my identity to engage in the following type ( s ) of fraudulent transactions : * Credit cards * Phone or Utility I have also experienced the following problems as a result of the identity theft : * Civil suit filed or judgment entered against me. 
* Denied credit or other financial services. 
* Denied employment or loss of job. 
* Harassed by debt collector or creditor. 
In addition, I have lost 8 hours of my time due to the identity theft. The identity thief used the internet to open accounts or purchase goods or services. 
I have no information regarding the identity thief. 
I have contacted the following credit bureau ( s ) : XXXX, Experian and XXXX  : * regarding the identity theft and to report the fraud. 
* to put a fraud alert on my report. 
I have had the following problems with XXXX, Experian and XXXX  : I have submitted documentation and was told several times on several calls that they never received documentation in order to remove these harmful inquiries
Consumer complaint received 2024-03-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Outsourcing, Inc. (MD)

After XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX XXXX XXXX, I received a bill with a summary of charges that included {$6200.00} in XXXX and XXXX charges of which {$1600.00} was being billed directly to me instead of insurance. However, my child never attended the XXXX or XXXX so I called to inquire about the charges the week of XX/XX/XXXX ( XXXX ). The billing representative told me to submit my questions in writing along with my account to their XXXX XXXX XXXX. She was unable to provide any information about why XXXX charges were listed. I wrote a letter as directed. I never received a response. Thus, I paid {$800.00} on XX/XX/XXXX and {$80.00} on XXXX XXXX and of the total sum awaiting a response to keep the account from being in poor standing. I wrote another letter approx 30 days later on XX/XX/XXXX through certified mail with tracking. To date, I have not received any correspondence from XXXX regarding my inquiry about these charges. However, I received a notice in the mail that the account had been sent to collections. The name of the agency is Receivables Outsourcing, LCC and the total debt listed in {$770.00}. It is unethical to add false charges to patients and its even more egregious to ignore my letters and instead, send these inaccurate charges to a debt collector
Consumer complaint received 2021-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (NY)

I XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by some really bad bad internet hackers on the dark web. Ive attached a copy of my FTC report # XXXX to this letter. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them.
Consumer complaint received 2021-05-02
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-01-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I have disputed four collection accounts on my credit report with Equifax dating back to XX/XX/2020 as the date of my first dispute to Equifax. I never received a response within the 30 days allocated to a credit reporting agency to respond to a consumer once a dispute has been filed. By law, because Equifax failed to respond to me in over 120 days, the disputed items are suppose to be deleted/removed from my credit report. 

Today I called Equifax because they sent false & extremely misleading information to the CFBP in response to my complaint about their severe lack of urgency in following the guidelines & laws put in place by the FCRA when it comes to serving the consumer by failing to comply within a timely manner. I was told my complaint was closed with an explanation. When calling for the explanation, the agent told me the complaint was in fact still opened & they would not even give me the curtesy of communicating the results to me. They said that is left up to the CFPB which is absolutely unacceptable. Equifax has had well over 120 days from my first dispute filed to investigate & have not done so. Even after four letters & a complaint from the CFPB, they continue their erroneous behavior which is severely hindering me from obtaining credit.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX {$1400.00} Account # XXXX ( This account does not belong to me XXXX XXXX XXXX XXXX {$6200.00} Account # XXXX ( This account does not belong to me ) XXXX  {$100.00} ( This account does not belong to me XXXX XXXX XXXX XXXX {$35000.00} ( This account does not belong to me )
Consumer complaint received 2021-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (AL)

My bbva account hasnt worked since Thursday XX/XX/XXXX. Ive had no access to cash or online transactions. The only advice I got was go to pnc atm or pnc bank. I drive half an hour to pnc on Saturday and the atm didnt work either. I work banking hours so XXXX cant get to the bank. The customer service rep was rude and hung up on me. None of it is working yet. I dont have gas money for work or anything. Ive acquired late fees too
Consumer complaint received 2021-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation (GA)

I HAVE NO ACCOUNT WITH ANY OF THE CREDITORS ON MY CREDIT REPORT NOR DO I HAVE ANY CONTRACTS WITH ANY OF THE CREDITORS ON MY REPORT THESE ACCOUNTS WERE OPENED BY SOMEONE WHO HAS STOLEN MY IDENTITY
Consumer complaint received 2021-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

In XXXX of 2019 I became locked out of my equifax XXXX  and phone app. Whenever I go thru the password reset it tells me to call and I get phone representatives who are unable to unlock the website. I opened several different disputes by phone on several different occassions since and have not been able to log into the site or app to date. Its been almost 2 years now and I would like a status update on all the disputes I have opened with them to date by phone. Please send me a physical printed and mailed paper copy to my address on file. I have requested this many times and the phone reps refuse to send it or unlock the app. Thus causing me to not be able to remove the fraudalent reporting in dispute. Please assist. XXXX stuff happens in XXXX Florida. Please help.