davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Without my consent- my investor XXXX XXXX via Wells Fargo-enrolled me in a trial mortgage modification -adjusting the amount of funds applied to my mortgage. Instead of XXXX a month they changed my payment to XXXX  a month without my consent. I have no idea why they did this and what happened to my credit or the funds during the last four months. I pay my mortgage every month on time /I have no issue I did not need any assistance/ I did not ask for anything : and unsolicited and without my consent they did this. I never contacted them to request anything.
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2018-07-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

According to the FCRA section 605B, the credit reporting agencies have the duty to block any and all accounts noted to be attached to reported identity theft. On XX/XX/XXXX, I submitted a dispute to initiate this process via mail. According to the previously cited congressional act this process of blocking these legally cited accounts should take no more than 4 days, yet the process is nearing 30 days.
Consumer complaint received 2020-06-01
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: EQUIFAX, INC. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$3500.00}
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan Chase denied my credit card application because of the following per there letter dated XXXX ( Copy Enclosed ) : 1 ) Delinquency or other derogatory relationship with our bank. 
Answer I do not have any kind of relationship with JP Morgan- This is a LIE! 
2 ) Insufficient balance in deposit and investment accounts with us. 
Answer - I'm applied for XXXX XXXX XXXX XXXX XXXX and has ZERO to do with any kind of Relationship with JP Morgan- The Application said it was only a rewards card for points for travel. I 3 ) One or more requests for new credit in the past 12 months. Answer what does that have to do with anything as all credit cards were approved. Again a LIE! 
4 ) Repeat of the above - Answer they can't make up any more LIES.

- My credit is great look at the letter credit score of XXXX per their lette. 
If you don't sue them for fraud then I will. JP MORGAN CHASE paid {$920.00} XXXX for fraud and RICO charges. Why would anyone want to open an account with JP MORGAN CHASE? AS this Bank that admitted guilt for Fraud and RICO Charges.and XXXX  $ XXXX in charges but still goes on to deny application for rewards card ( see below for the record ). 
Also, please provide me the THEIR AGENT FOR SERVICE SO I CAN SUE THEM IN CALIFORNIA. - Here is the attachment that needs to be published. 
by XXXX XXXX and XXXX XXXX, XXXX XXXX Published XX/XX/2020 JPMorgan Chase & Co. admitted wrongdoing and agreed to pay more than {$920.00} XXXX to resolve U.S. authorities ' claims of market manipulation in the banks trading of metals futures and Treasury securities over an eight-year period, the largest sanction ever tied to the illegal practice known as spoofing. 

The New York-based lender will pay the biggest monetary penalty ever imposed by the Commodity Futures Trading Commission , including a {$430.00} XXXX fine, {$310.00} XXXX in restitution, and more than {$170.00} XXXX in disgorgement, according to a statement from the CFTC. The CFTC said its order will recognize and offset restitution and disgorgement payments made to the Department of Justice and Securities and Exchange Commission. 

The accord ends a criminal investigation of the bank that has led to a half-dozen employees being charged with rigging the price of gold and silver futures for more than eight years. Two have entered guilty pleas, and four others are awaiting trial. 

The JPMorgan penalty far exceeds previous spoofing-related fines levied against banks, and is the toughest sanction imposed in the Justice Department 's years-long crackdown on spoofing. The bank entered into a deferred prosecution agreement with the Justice Department as part of the settlement, according to the CFTC.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : 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 2021-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc. (GA)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior to posting, I was not notified of this alleged debt. As the original creditor, only I can validate this debt. I do not validate this debt. 

Carter-Young received a cease and desist, sent via certified mail. This debt collector 's response failed to VALIDATE this debt and they violated HIPPA by sending documentation of my medical records. This collection agency did not receive any authorization from me to access my medical records.
Consumer complaint received 2020-01-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: PDQ Check Exchange LC (UT)

Company : Mr Money Payday Loans I got an installment loan around XX/XX/XXXX or XX/XX/2019. Originally I had planned to pay the loan back early to avoid all the high interest accruing, but because I have medical issues and unpaid medical leave away from work, I have had a reduction in pay and I am unable to make the payments to this company. I have explained my situation to the company, but we were not able to come to a resolution. I explained that I needed some time to pay or to try to come up with an arrangement to stop the interest from accruing while I pay the balance down. I was advised that there is nothing that can be done unless I pay the balance in full. I explained that because of the time away from work, I am not able to make the i weekly payments, let alone pay the loan in full. they were able to give me a payment agreement, but the new payments are more than what was originally given because I had defaulted and couldn't pay. I have now been advised that if I miss ANY payment or am even ONE DAY LATE, I will get summoned to court for judgment. I can not afford to pay this loan at all because I have other bills that are more important ( rent, utilities, car payment, car ins, food, etc. ). 

I want to find a resolution, but I am very afraid that this will soon go to collection and will be added to my credit report as a collection account.
Consumer complaint received 2018-02-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

XXXX  FAILED TO UPDATE XXXX LOAN NO.XXXX, THIS ACCOUNT WAS DISCHARGED ON XX/XX/XXXX. UPDATE TRADELINE AS A DEBT CANCELLATION OF XXXX. PAID CLOSED CANCELLED.

ALSO, XXXX XXXX XXXX   NO.XXXX WAS REPORTING PAYING AS AGREED NEVER LATE PRIOR TO THE BANKRUPTCY OF XX/XX/XXXX.

RE-INSERT XXXX XXXX XXXX NO.XXXX. PAID IN FULL VER LATE AND CLOSED.

LASTLY, XXXX XXXX XXXX IN AN INVALID TRADE OF XXXX.

UPDATE STATUS PAID IN FULL, CLOSED/TRASFERRED TO RCS. XXXX IS NAMMED IN BANKRUPTCY XX/XX/XXXX AND DISCHARGED XX/XX/XXXX.

DELETE ALL HARD INQUIRIES FOR THEY ARE INCLUDED IN BANKRUPTCY.
Consumer complaint received 2023-03-24
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. (PA)

Hello, my name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. These accounts on my credit report are causing me severe problems in trying to purchase a home. 

I already reached out to XXXX, XXXX, and Equifax. I will attach the letter I wrote to them.
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (FL)

Few months ago I created an account on www. FINANCE.US for crypto currency exchange. I made a deposit of {$6000.00}. Each time i sign in they require me to sign-in in two steps. after user name and pasword then they require a code from " XXXX authenticator '' app that was installed on my secondary phone. 
after a month i lost access to my " XXXX authenticator app on the phone and can not access my account. ( nor be able to withdraw my funds ) I have contacted Binance.us  customer service for over a month for several times. One time i received an auto response with instructions how to reset 2FA ( two step ) signing. these instructions are already available on help pages. I followed them and submitted all required information ( including photo of id, video of myself and holding id selfle photo ) It seems someone have to manually approve reset process but so far no one responded ( over a month ).

I searched online and found out lots of other people having similar issues ( discussing on XXXX ). One common complain is they can not get a response from Binance.US.

I home hoping through this channel Binance.US customer department would respond or simply return my funds to my bank account
Consumer complaint received 2020-07-29
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: CORELOGIC INC (FL)

This is a complaint against CREDCO, the reason for these complaints is that several requests for credit appear without my authorization and without my permission, I requested via certified mail the elimination of these inquiries and you. You have not made any change in my credit report with XXXX. Because you have not done anything about it I request that the following inquiry be removed immediately from my credit report with XXXX. 1 ) CREDCO, DATE : XXXX2020 ran an unauthorized credit report on me. At no time did I ever authorize you to do this. This action on your part constitutes a violation of my rights under the Fair Credit Reporting Act. This is illegal and highly injurious to my credit rating. Unless you immediately contact the credit bureau and remove this inquiry from my report, I will have no choice but to take legal action. Please govern yourself accordingly.
Consumer complaint received 2021-01-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (GA)

Radius global solutions LLC has been trying to collect on this account twice. Once on XX/XX/XXXX and on the recent one which is XX/XX/XXXX. I would like for them to be charged {$1000.00} for continual harassment to me. The name on the account is XXXX XXXX. My name is XXXX XXXX. I would like to make sure they dont try to re-send this to me ever again. I am sending my proof to you. They put it on my credit report and the credit bureaus and moved it each day.
Consumer complaint received 2020-12-08
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: Consumer Portfolio Services, Inc. (FL)

On XX/XX/XXXX I did a no impact credit offer/inquiry with lending tree, but CPS pulled my credit. I didn't even give lending tree all my information or full social. I don't know why this company CPS did a hard inquiry with no authorization.
Consumer complaint received 2020-12-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: M2 Law Group PC (ID)

Notification was given to me through legal affiliation that I was being notified by a local attorney and debt collector of a debt owed to an online lamp company in the amount of XXXX dollars for a XXXX dollar loan. 
A response was sent in the form of a validation of debt request in my behalf. 22 days later a response was sent back with a generic arbitration outline, a generic statement of charges and a letter from the representative stating the debt " appears '' to be valid and that " I should contact '' thier office and they would continue to pursue collection actions which " could include legal actions. '' The requirements of the FDCPA and FCRA minimums were not met as per the FDCPA. 
No contract with a wet ink signature provided, generic statements with no banking information provided. 
Further validation with valid information must be provided.
Consumer complaint received 2019-05-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

XXXX XXXX XXXX has called me and members of my family claiming I owe {$2400.00} on a loan that I've never taken out. I told the representative that I have never taken out this loan. She told me that it doesn't matter. I still owe this money. I asked her to please give this information to me in writing and she would not. I asked her why the company that I supposedly owe this money to has never reached out to me and she said they would not ever contact me. I asked her to give me the companies contact information and she would not. She said this was for Ace Cash Express for a loan of {$2400.00} in XX/XX/2018. I double checked my credit report and I do not see any sort of loan for this company. I checked my bank transactions and do not see any sort of deposit into my account from this company for this amount. They are harassing my family and me. They refuse to provide me with adequate information about this supposed debt. I looked up the phone number for this person who called me and came up with nothing. I had to have her repeat what company she supposedly works for. She would not give me her full name. Her phone number is XXXX. It appears to be a number from Georgia.
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

The credit card for this account has been paid in full and closed, yet the credit card company has yet to remove this item from my credit report, therefore effecting my credit rating. This negative item is also preventing me from being able to become a first time home owner. 

The account was opened on XX/XX/XXXX and paid and closed on XX/XX/XXXX. The amount of time that has passed, it should have been permanently removed from my credit report.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I purchased a vehicle in XXXX. Financed through XXXX XXXX auto. My vehicle was stolen and my car insurance paid all but {$800.00}. I called XXXX XXXX XXXX  to make the payment for {$800.00}. They advised I could pay on it every month until it's paid off. So I made payments every month. In XXXX of XXXX they sent the account to charge off. I never recieved a XX/XX/XXXX late as I was still making payments. I called to ask about this and paid the balance in full. I want this charge off removed from all three bureaus as it was not reported correctly. This is against fair credit reporting. I never recieved any calls or mail stating the account was past due, and it doesn't reflect correctly on my credit report. By law it has to go 180 days before it good to charge off status.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

-My Wells Fargo ( " WF '' ) auto loan detail on my XXXX  credit report has not been updated since XX/XX/2020 ( see " Exhibit A '' ). For example, the date of last payment shows as " XX/XX/2020 ''. 
- I have had to file multiple disputes ( see " Exhibit B '' ) with XXXX   over the past few months in-order to get the details to correctly be reflected on said credit report.
Consumer complaint received 2017-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

Account # XXXX Best Buy Card issued by Citi Bank XXXX charges beginning XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. I have been charged {$11.00} per month for 6 years. My payment is taken directly out of my checking account, I do n't see my bills. I 've never authorized this protection plan.
Consumer complaint received 2020-10-25
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: TRANSWORLD SYSTEMS INC (GA)

I am requesting the deletion of Transworld Systems, who is reporting for XXXX XXXX XXXX, from my XXXX Credit Report in the amount of {$4700.00}. I have disputed this account several times to no avail. They continue to report it as accurate even though I have sent proof of my identity, which included a copy of my social security card so they could compare the numbers and they still say it's accurate and it is NOT. Reporting inaccurate information to someone's credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2020-10-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MST Financial Services, L.L.C. (WA)

I went to the hospital on a work related incident, I XXXX and slipped off the ladder at work. I got sent to the hospital. Once i got to the hospital i got an ekg, because I have a XXXX XXXX I was told at the hospital the my insurances covered my Bill 's, which I had state and XXXX insurance. I didnt get a bill or anything from XXXX insurance which is XXXX or from state. I recently reinstated my insurance from the state a month before. One day out of the blue I get calls from random numbers saying I owe money for a debt 4 years ago. I had no idea what they were talking about and didnt ask for my name, address, or anything that would confirm my identity. I asked them what they were talking about and said I had a XXXX XXXX 4 years ago, went to the hospital and now owe XXXX plus. I was upset. The hospital said I was fine, and that there was no need to pay.
Consumer complaint received 2021-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/2021 my PPP Loan was deposited in my chase account so I went to handling my business stuff and boom my account is locked because suspicious activity I called and verified my identity a million times and even got hung up on
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act convenient XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BETWEEN XXXX AND XXXX, Inquires 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 also states a consumer reporting agency can not Furnish a account without my written signature or instructions. I believe this is a fraudulent action that has been made. There has not been any investigation to tied these accounts to me. I have no accounts related to these to hold them under my name or credit report.