davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

Loan taken out XX/XX/2018 for XXXX.Payments have been paid on time, paying more than actual payment due. Per receipt balance was less than 122, called today to let the company I would be in, I was told the balance was over 200 dollars.The rep at the store had no clue as to why, so I called the corporate office. Although more than 500 dollars has been repaid this company is charging over 140 a month in fees, instead of one more payment the company is now stating regardless if more was paid than due, which should make the payment less, they continue to add interest daily to keep one in  the whole.
Consumer complaint received 2021-09-14
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. (NV)

Hi, My name is XXXX XXXX, I have a total of 7 hard inquires on my credit report across the 3 major bureaus ; XXXX, Equifax, and XXXX, and only 1 from XXXX XXXX XXXX  belongs to me. XXXX, Equifax, and XXXX has been reporting accounts that I have never received to my report. I have 2 hard inquires from XXXX  XXXX XXXX on XXXX from XX/XX/XXXX and another a week after on XX/XX/XXXX, if that wasn't suspicious to the banks or creditors then IDK what is. Then I have a 3rd from XXXX XXXX XXXX on XX/XX/XXXX reporting to XXXX and again have never received any of these cards for them to be reporting on my credit. Within this span my information was used to attempt to open a XXXX/XXXX  on XX/XX/XXXX reporting to XXXX as well as some inquiry from XXXX XXXX on XX/XX/XXXX. On the same XX/XX/XXXX Equifax also reported this same account, when I request information on these accounts I receive no information, verification, or reasonings behind how or why I have 6 different inquires that do not belong to me, as well as a charged off account with fraudulent debt. I've been working for several months to resolve these issues with these reporting companies and would love help to clean this up in any way possible.
Consumer complaint received 2021-03-17
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. (WA)

Equifax should not be reporting me as an authorized user on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on these accounts. I have contacted XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and these line items need to be removed from my credit report.
Consumer complaint received 2021-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

on XX/XX/XXXX I used XXXX  to send money to Coinbase to purchase a cryptocurrency ( XXXX  ) the transaction went thru on XXXX  side and my coinbase account showed the money being transfered and being used to purchase the XXXX. However Coinbase never credited the XXXX to my account. I followed their customer support instructions but rather than crediting my account they keep closing the compaint. I have tried countless times to contact them both their their website and on social media. based on complaints on coinbase XXXX on XXXX  this has happened to numerous people. 
Basically coinbase has stolen money from people. earlier today ( XX/XX/XXXX ) they send me another message closing my support ticket claiming its been reseolved except it hasnt and teh XXXX is still missing
Consumer complaint received 2021-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (OH)

THIS IS A REQUEST FOR AN ACCOUNT CHAIN OF TITLE/OWNERSHIP VERIFICATION OF DEBT. RE : AFNI, INC # XXXX To whom it may concern this is the 3rd or 4th Debt collection agency attempting to collect a debt that has never been verified, never sent noticed before placing it on my credit file violation of both FDCPA & FRCA FEDERAL LAWS. This account has been illegally re-aged 4time prior to landing in the current office database of AFNI INC XXXX XXXX  XXXX, XXXX IL XXXX. This complaint is submitted under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. PLEASE DELETE THIS FILE AT ONCE. IT HAS BEEN IN DISPUTE SINCE XX/XX/XXXX BEFORE IT WAS TRANSFERRED TO THE AFNI, INC # XXXX.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (FL)

I have attached a copy of the account that is reported incorrectly. The Affirm account is reporting late 30 days on XX/XX/XXXX then 90 days late XX/XX/XXXX. This can not be possible! I know my rights as a consumer! I also have disputed this numerous times, but to no avail it has not been changed.
Consumer complaint received 2021-07-30
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. (NV)

There are two accounts on my credit report that are not mine I have not accepted know what these are or where it came from. 

XXXX - Acct XXXX XXXX - Acct XXXX
Consumer complaint received 2022-11-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (FL)

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

15USC 1681 section 602 states i have the right to privacy 15USC 1681 section 604 A section 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 2022-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022 I withdrew ( in the form of a cashiers check ) {$290000.00} from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I deposited this cashiers check into my account at Chase bank XXXX XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX XXXX The check did not clear despite being a cashiers check, and a hold for XX/XX/XXXX was stated on the receipt, after the funds were deposited. I told the branch manager this was unacceptable given that the check was a cashiers, or bank, and not a personal check and should be considered cash. I left that branch and went to the Chase bank branch in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is where I typically bank. The bank manager submitted a motion to lift the hold on the check although this did not work. I returned the following morning and with one of the bankers we applied to remove the hold. This morning again, on XX/XX/XXXX, I had the banker apply to remove the hold and this was once against declined. Ive spent several hours over the last few days on hold with Chase customer service and no representatives, or supervisors can lift this hold and state I must wait until XX/XX/XXXX until the release of funds. Ive had to cancel a business trip, postpone a transaction, and even lose a transaction as a result of Chase banks actions. They provide no sufficient cause as to why they are holding my cashiers check, especially after XXXX XXXX has verified the funds had left the account XX/XX/XXXX, immediately when the check was printed. Had I gone to another banking institution, this likely wouldnt be such a problem, but it appears this is too typical of an issue while banking with Chase. I regularly encounter issues with Chase/JP Morgan Chase where they hold my money, mind without paying interest, for extended periods of time, disrupting my personal life and business, without just cause. Recently I was in another country and Chase canceled my debit cards for suspected fraud, leaving me thousands of miles from home with no way to even pay for a taxi to my hotel or to even check into my hotel. I had no place to stay for one night and waited in the hotel lobby until Chase customer service was available
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (DC)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, DC XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( XXXX ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, account is reporting 30,60,90,120 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I would like to update my credit file properly due to the fact someone had use my ID back in2019. I see my name is still spelled wrong and there are SS # that are not mine as well asaddresses that do not belong to me. 
Please delete/remove the following names : XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 
Mycurrent and only addresses is XXXX XXXX XXXX XXXX OH,XXXXPlease delete / remove the following unknown/ fraudulent addresses : XXXX XXXX XXXX OHXXXX, XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX  XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX OHIO XXXX XXXX OH,XXXX  XXXX XXXXXXXX XXXX XXXXOH,XXXX XXXX XXXXXXXX XXXX  OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX My SS XXXX DOB XXXX please delete any other data or information thatdoes n't match.
Consumer complaint received 2022-08-02
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: Bread Financial Holdings, Inc. (OK)

My store credit card was stolen and used at a store on XXXX and XXXX. 
The store has the criminals on video making the transactions. 
I never authorized anyone to use the card. The criminals used the card to the maximum credit limit. I reported the theft of the card. Comenity should speak to the store security manager.
Consumer complaint received 2021-07-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (CA)

I am refinancing my existing jumbo loan with better.com. They are asking me to increase my new loan amount $ XXXX more than my current loan balance on a loan that supposedly has discount points. They are refusing to lower my new loan amount or show me the payoff quote my current lender provided and will not request another one with the current amount. I had completed underwriting and was moving into closing when they told me I needed to bring {$7500.00} to closing. This occurred on XX/XX/2021. 

They also made me pay for an appraisal which they knew they would not be using the value of based on their underwriting guidelines.
Consumer complaint received 2021-10-02
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: WELLS FARGO & COMPANY (CA)

I, XXXX XXXX, a natural person spoke with XXXX at XXXX on XX/XX/2021 at XXXX XXXX. He stated Wells Fargo has verified all information on my credit report. I asked him if Wells Fargo produced documents stating written permission to furnish this information to my consumer report. He stated XXXX does not have this document and Wells Fargo never produced the document. The XXXX representative boldly stated they follow 15 U.S.C. 1681b - in regards to written instructions from the consumer to furnish a report. A clear violation because I never gave written permission to Wells Fargo or XXXX to furnish this account on my report. I demanded to invoke my right to privacy, Pursuant to 15 U.S.C. 1681 a ( 4 ). I never gave permission for this account to be furnished on my consumer credit report. XXXX is not reporting accurately. Both XXXX and XXXX do not report this information. A clear violation for reporting inaccurately. XXXX is using the excuse that " an unauthorized third party ''. They are refusing to fix this issue. XXXX is ignoring my demands to fix this issue and it is causing me mental anguish, stress and injury to my reputation.
Consumer complaint received 2021-03-17
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: Grant Mercantile Agency (TX)

Grant Mercantile Agency added a derogatory mark on my credit report per XXXX XXXX, upon further research, this is not my account and was transferred/ sold I am not responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA Grant Mercantile Agency has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2022-08-02
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. (TX)

I recently submitted a complaint stating that I did not give written permission for this account to be furnished on my account, and it came back that i did give written permission for them to furnish this account. It was deleted from my XXXX credit report and also my XXXX account, but it was not deleted from my Experian credit report. I'm asking once again to have this deleted from my Experian account as well because I did not give any consent for this to be furnished on my credit report. I have attatched evidence of it being removed from my other reports. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-11-05
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : XXXX/XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2021-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (IL)

I used to live at XXXX XXXX  XXXX  XXXX XXXX in XXXX XXXX, California. I noticed that the lease that was available on XXXX, the website that this company uses to sign leases, was signed several days after I moved in. I know that I did not sign this lease as I signed a lease prior to moving in and the lease available online is not the same lease as the one that I did sign. The IP address associated with my signature and my cosigner 's signature matches the IP address of XXXX XXXX, who works at XXXX XXXX  XXXX XXXX XXXX. 

XXXX XXXX XXXX  XXXX XXXX are now saying the I violated this lease after moving out and saying the I owe {$20000.00}, even though I did not sign this lease. They have reported this to IQ data International, a collections agency, which is now requesting that I pay them {$22000.00}. I never signed this lease, my signature was forged on this lease by XXXX XXXX, therefore, I am not responsible for paying this amount. 

I have also sent a letter disputing this debt to IQ data international, I still have not received any response or documents from IQ Data International that validate this debt. 

To prove that I did not sign this lease, I have attached the lease that is available on on-site.com, that includes my forged signature ( XXXX  ), so you can see the IP address of the signatures. I have also attached a summary of a form signed through XXXX  ( Summary.pdf ) that has my IP address, my cosigner 's IP address, and XXXX XXXX 's IP address listed. You can compare the two documents and see that XXXX XXXX 's IP Address matches the IP address used to forge my signature and my cosigner 's signature. While my IP address and my cosigner 's IP address are not found anywhere on this lease. In addition to that, the lease with my forged signature was signed on XX/XX/2020. I, however, moved in on XX/XX/2020 and I had signed the lease prior to moving in. You can see in the third document that I have attached ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ), the email I received from XXXX XXXX, confirming that the original lease that I signed was signed by all parties and completed on XX/XX/2020, 2 days before my signature was forged onto to this new lease. 

Furthermore, I am unable to obtain a copy of the original lease that I did sign prior to moving in, since the original lease was removed from XXXX and replaced with this new lease that I did not sign. XXXX has access to this lease and will need to be contacted to retrieve a copy, they have refused to send me a copy, therefore, I am unable to provide a copy.
Consumer complaint received 2022-04-15
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. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX account # XXXX, XXXX  - XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-06
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. (CO)

My vehicle was falsely repossessed by my apartment complex, I was out of town on business and came back to it gone. The apartment will not reimbursement the fees I had to pay and the lender, XXXX, has listed it as a repossession due to non-payment. My car has been paid continuously and ON TIME. They refuse to remove the information! 

The information reporting for this auto loan is completely false. Payments were made on the account as scheduled. My apartment complex wrongfully had my car towed when I went out of town for three ( 3 ) days because they said it had not moved from where it had been parked. The apartment complex claims that they did not have it towed but a towing company isn't going to just randomly drive into a complex and tow a car away. I have proof that my payments were being made and that they were on time, this was not a situation where the lender repossessed my car for non-payment. I am enclosing documentation to confirm that the information that I am stating in this correspondence to you is true. Please remove the notation that this was a repo on my credit report because it was not. My payments were never late and this situation had nothing to do with my loan but an issue with my apartment complex.
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (NY)

I requested that my account be closed on XX/XX/31. I was shock to discover today that my account is still open. Now I am being told that in order to close the account I need the last XXXX numbers of the credit card. I destroyed the card on XX/XX/31 immediately after getting off the phone with XXXX because I assumed that my account would be closed, so I don't have that information.