davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SandP Solutions, Inc. (OH)

Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Bitcoin of America account to fraudulent investment firm ( s )
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021, I received a text message from my Bank, Chase Bank of an unauthorized transaction of {$99.00} from XXXX and to respond yes or no to the text if I authorized the transaction, I selected no and my card was closed and a dispute would be processed and a new card mailed to me. On XXXX the credit was given back to me for {$99.00} however on XXXX the dispute I received an alert in the Chase mobile app the my dispute of {$99.00} was reversed, I called the customer number XXXX and spoke to a representative as to why the dispute was reversed, after a brief hold to check on the status of the reversal the representative stated that due to the card having to be swiped on site of where the fraud occurred that Chase Bank does not have legal action to dispute this type of transaction and that no further action could be taken other than preventing future unauthorized transaction on the card that was closed. Unhappy with the explanation the representative also stated that since the card was in my possession and it was swiped maybe with a duplicate card they can not give me my funds back however if the card was not in my possession then Chase Bank would have to return my funds. This is not acceptable clearly knowing this transaction was detected by Chase Bank Fraud prevention and not being able to help the consumers.
Consumer complaint received 2021-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (PA)

I am disputing an account that is 11 years old and was charged off by Sears in 2014. 
I have repeatedly asked for the signature page of the agreement and they said they do not have it and they are within their rights not to have to produce it.
Consumer complaint received 2022-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TN)

I have a disoute with a company for {$300.00}, I disputed this because i did not receive the services. Not only did the bank deny my dispute and take out {$300.00} from my account causing it to overdraft, it also took an additional {$300.00} out that was not even part of the dispute. I am not out over {$600.00} becuase i was stolen from and the bank allowed it.
Consumer complaint received 2018-02-13
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. (MI)

I've pulled my report and find an XXXX Collection account on it. I never had it. I have no bills with them. Please have this taken way. They say I owe {$290.00} on my credit report. Have them stop it please. I will not attempt pay them unless they can " prove '' I was a customer. Do they have phone records? NO. I was not.
Consumer complaint received 2020-12-02
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF THE WEST (CA)

My case related and involved a big financial fraud criminals as follows. A group of financial criminals including the bank internal moles, house value appraisals, ID thefts, Public Notary officers, loan officers, title company etc.This is a complete fraudulent loan chain. The Bank of the West assigned their own case investigator of XXXX XXXX XXXX toke care of this case, and he had spent more than two years for investigion. The last email I received from him said the case had been passed to the US Secret Services and would be solved soon, but he was facing hight pressure from the bank management and then suddenly disappeared.

I tried to report the case to as many as possible autherities as FBI, local policy department, State General Attorney, CFPB etc. But every time the Bank of the West use the same reasons of two to stop the investigation and closed the case : 1 ) Duplicated case 2 ) An agreement was signed Two weeks ago I got a copy of the so called agreement. I found this agreement was totally forged. I will express why as follows : 1 ) I owed the original loan to the XXXX XXXX XXXX, amounting of XXXX. But the agreement asked me to pay the Bank of the West and their partner XXXX XXXX XXXX. 
How can they made a victim of crime to pay double to the criminals? 

2 ) During the agreement signing time, I was out of country, so I had no chance to sign any agreement. I can provide my evidence of my out of country.

3 ) When signing any agreement, I will add the date of signature on it, but this agreement the date is empty.

4 ) I did not know and had not met those persons who signed the agreement. 

Brief summary as follow : This case revolved in a big financial criminals. The original case investigator of XXXX XXXX who had spend two years for the investigation, he should be show up and tell us what is happening? 

I want to have a meeting face to face to speak with the Bank, XXXX V and other loan providers such as XXXX, XXXX, XXXX etc. 

XXXX XXXX owner of the house at XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX MY cell is XXXX XXXX XXXX My e-mail is XXXX XXXX
Consumer complaint received 2021-06-29
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)

On a XXXX report that I, the consumer, XXXX XXXX XXXX, obtained from them, XXXX, dated XX/XX/2021. In reviewing this report, I discovered that XXXX illegally disclosed negative nonpublic personal information publicly to nonaffiliated third parties when they, XXXX reported multiple transactions in relation to bankruptcy case filings to third party consumer reporting agencies Equifax, XXXX, and XXXX in direct violations of the following : 15 USC 1681 ( a ) ( 4 ), and 15 USC 6802 ( b ) ( 1 ) ( b ) ( c ). This is in direct violation of I, the consumers right to privacy. At no time have I, the consumer, given XXXX permission to report these private transactions publicly. Additionally, at no time was I, the consumer, given disclosure and opportunity by XXXX XXXX XXXX before this information was initially disclosed / reported by them to not disclose this information nor was I, the consumer, given disclosure that I, the consumer, could exercise the nondisclosure option, which I now choose to exercise.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (NH)

I have two accounts with Fortiva since XXXX and never defaulted on either. They charged fees even when no charges were made for purchases. On XX/XX/XXXX the company closed both accounts without notice after charging me for XX/XX/XXXX fees which I paid {$12.00} on XX/XX/XXXX and {$10.00} on XX/XX/XXXX. I contacted customer service, they refused to refund me for the XX/XX/XXXX fees they charged and were paid for in advance even though they canceled both accounts for inactivity on XX/XX/XXXX.
Consumer complaint received 2021-06-29
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 (GA)

I was suddenly barred from accessing my funds by Paypal for reasons they hardly describe. Despite an effort for them to explain the reason they just insisted its a final decision. This is against a background of faithfully using their services for 3 years I am unable to withdraw my money from the site, neither am I able to receive or reverse payments made to me.
Consumer complaint received 2018-02-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LD Holdings Group, LLC (NY)

I have been a VICTIM of their Inquiry issue. Make sure to keep the list of inquiries from My credit report, l need to list off the inquiries from my credit report ; they have to remove from the list. 
Inquiry details : XXXX COMPANY CHECK MY CREDIT REPORT : XXXX XXXX ; THEY CHECKED MY CREDIT REPORT ON XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX Mailing address : loan Depot LLC, Consumer Lending Division, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX. 
TEL # XXXX
Consumer complaint received 2023-03-10
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX : {$770.00}
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NC)

I received a letter from the UNITED STATES BANKRUPTCY COURT FOR THE EASTERN DISTRICT OF VIRGINIA OFFICE OF THE CLERK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE BANKRUPTCY CLERK STATETED IN THE LETTER THEY DO NOT VERIFY INFORMATION WITH CREDIT REPORTING AGENCIES. ALSO, THEY DO NOT REPORT INFORMTION TO CREDIT REPORTING AGENCIES OR LEXIS NEXIS. SO HOW WAS THIS ACCOUNT VERIFIED???? 

NAME : XXXX XXXX XXXX : # XXXX ADRESS : XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX *DELETE THE XXXX  XXXX BANKRUPTCY FROM THE EASTERN DISTRICT OF VIRGINIA  THATS BEING REPORTD ON MY CREDIT REPORT.
Consumer complaint received 2021-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (FL)

Selene Finance refused to modify my loan or worked a payment plan with me after the foreberance I summited all the proper documents for the loan modification and I even asked to resumed my regular payment and put the Miss payments in the back loan they refused now they want to foreclosed my home after 19 years of hard work as a single mom please I don't want to lost my home.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have filed disputes. Because Equifax has the outdated XXXX XXXX, I can't open the dispute letter results because the updated XXXX XXXX sees their pdf as corrupted. My daughter 's credit inquiry for a new car she purchased remains on my credit reports as an inquiry. They have not investigated or asked the banks whose name was on the inquiry. They will not even look at the information submitted. They will not do anything to get this matter corrected. My daughters information is now on my credit report. I can not provide information that I do not have for a car that I did not apply for as proof. How am I supposed to provide something that does not exist. All they had to do was look to see that the name did not match the social security number. The car company has acknowledged their mistake and is having the same problems working to get this corrected.
Consumer complaint received 2021-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CO)

Called into Nelnet after a primary wage earner layoff in XXXX to discuss Covid forbearance options? Was told all loans were in forbearance and to not worry. Now a year later we called to check in. And were told our loans were not in forbearance and Nelnet has accrued {$2000.00} in interest on the account. No paper records were sent out to notify us that we did not qualify for forbearance because our payment schedule was advanced because we had been paying ahead. No paper documents were sent out to notify us of this nor notifying us that we had to apply for forbearance because our loans were prior to XXXX. Nelnet stated they called but left no messages, no paper documents were sent. We are very disgusted with this business practice. Looking for other individuals who also had this happen to them. Looking to band together For class action lawsuit. Email
Consumer complaint received 2018-02-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TX)

Original account was XXXX XXXX/XXXX. Acct No XXXX. 
XXXX XXXX XXXX XXXX, MN XXXX I do not owe this bill and know it. Many attempts were made, and I have challenge this debit for two years. I have repeatedly asked XXXX XXXX to confirm the debit that I owed the amount ~856.00 or remove it from my credit profile. with no notification account was sold. Thus, in XX/XX/XXXX XXXX XXXX removed the account from all 3 reports. Subsequently XX/XX/XXXX the account showed up on my XXXX credit report. with out proving their case XXXX XXXX sold there claim to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX This debt collector has failed to contact me as of XX/XX/XXXX and their report date shows XX/XX/XXXX ( nothing was there till XX/XX/XXXX ). XXXX XXXX has taken action to report on my credit report with out proof of debit. I have responded by sending XXXX XXXX a letter that demands proof that the debit was actually incurred by me. ( Logic dictates if XXXX XXXX could not prove their claim neither can XXXX XXXX ). 


I feel your agency is the last hope for an equatable solution to this harassment. thank you for your in advance help XXXX XXXX
Consumer complaint received 2018-10-30
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. (AZ)

Im a victim of identity theft. Someone stole my drivers license, social security card, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Visa credit card : XXXX, and my XXXX Visa credit card : XXXX from my mailbox, the United States Postal Service mail. I never received my drivers license, social security card, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Visa credit card or my XXXX  Visa credit card in the mail. Someone stole all of my mail. There are fraudulent and unauthorized charges on both credit card accounts. My entire credit limit of {$2500.00} and {$2900.00} was used in a fraudulent and unauthorized manner.
Consumer complaint received 2022-10-05
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. (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-23
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: Experian Information Solutions Inc. (IN)

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.

15 U.S.C 1681 section 602. A. States I have the right to privacy.

15 U.S.C 1681 Section 004 A Section 2 : It also states a consumer reporting agancy can not furnish a account without my writion instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer roporting 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-28
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: JPMORGAN CHASE & CO. (TX)

please add missing from report : fcra violations XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/AMAZON PLCC
Consumer complaint received 2021-06-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NJ)

I had my account hacked XX/XX/2021. My phone service is with XXXX XXXX. I was not on auto pay with my phone and when I called to make a payment they told me my phone number no longer existed. I discovered my phone number had been ported to XXXX. Someone with the phone carrier watches the XXXX messages to identify the customers with COINBASE and interrupts the service to take the phone number and use to hack accounts. 

However COINBASE should never allow someone to change a password without having to present photo ID, that is the reason I would think the WEB ID and Government issued ID is held for the account holder in addition to meeting KYC. The hacker changed the phone number after they accessed the account to prevent me from accessing via XXXX, but this shouldn't be able to happen if you are required to present a Photo and Government Issue ID when verifying your identity to open an account. The only way this could occur is some from inside COINBASE is working with the hacker. 

Two things tip me off : My phone number was taken away after just one day between payment renewal date and making a payment. They told me the number no longer existed.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: WELLS FARGO & COMPANY (VA)

I have banked with WELLS FARGO for 7+ years and on XX/XX/2019 they closed my accounts without notifying me as to why my accounts are closed. They also then begin to report me for fraudulent activity and as a result a data reporting company XXXX XXXX XXXX XXXXXXXX XXXX ) has furbished 'checking account fraud ' report on my consumer report. This has put my business and personal goals into jeopardy. I am unable to open new accounts and also have turned down for personal and business loans etc.
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

I was on a trip to XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX, my rental car was broken into in the early morning near the beach while unattended for an hour. There were no signs of a break-in and the only thing in the car was my wallet in the glove box. Later in the afternoon i noticed that about {$50.00} dollars in bills was missing from my wallet. Having had my wallet on my person before that morning and after I concluded somebody broke into the car, scanned or copied my credit, debit, and liscence information, then proceeded to charge many things onto both of those cards. I received an email from Wells Fargo stating that there was some unusual activity on my credit card, and that a charge on my debit card was declined. At this point, I logged onto the app and froze all my cards. There were 4 charges onto my credit card, XXXX were declined by wells fargo as fraud or suspicious, and two were approved. The two declined were {$450.00} and {$1600.00} while the two approved were {$780.00} and {$1600.00}. 
On my Debit card, there were 4 attempted charges with only the first charge approved. The approved amount was {$1600.00}, and the subsequent declined charges were {$1600.00}, {$780.00}, and {$450.00}. 
I filed a fraud claim for both my debit and credit cards with Wells Fargo the same day from XXXX XXXX. The Debit card claim was approved and I was refunded the {$1600.00}. I was told that the credit card fraud would be investigated and I would hear back soon about the result. 
On XX/XX/XXXX, I called Wells Fargo and was told that my credit card claim was approved and that the charges were removed from my account. 
On XX/XX/XXXX, i noticed that there was still two charges that appeared on my new credit card statement, of {$1600.00} and {$800.00} from the same " merchant '' that all the other charges were from. Thinking that these charges were the same as before and were not credited back to me, I called wells fargo claims department and was told once again that my claim went through and that these charges would be removed from my account soon. 
Upon checking my bank account on XX/XX/XXXX, I noticed that those new charges still remained, with a total balance of {$2400.00} that was not authorized by me. Confused, i called wells fargo once again and was told that my claim was denied. They claimed that because i had the card in my possession the day of the fraud that these charges were authorized by me. Regardless of the two previous charges on my credit card and the charge on my debit card that were all from the same " merchant '' that were approved and given back to me by wells fargo, they denied these two other separate charges. I filed an additional escalation of the claim and for it to be reviewed.
Consumer complaint received 2022-08-06
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. (NC)

In accordance with Fair Credit Reporting act XXXX Account # XXXX, has violatied my rights. 15 U.S. C. 1681 section 602 A. States I have the right to privarcy 15 U.S.C. 1681 Section 604 A Section XXXX : it also states a consumer reporting agency can not furnish a account with out instrutions.