davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

Hello recently I tried to ask many times to Paypal sort out my issue, but they can't. And also they close my case. Please help me to sort out my case. Thanks. My case id was - Not as described - claim case CLOSED Case ID : XXXX Here is my original message to Paypal - Paypal, I need to sort out the case. I already told you this product is not new and already send you a video of the website. If you can't resolve it I need to file a case against the company. Because the phone is already used and broken. I attached the phone box and the phone images. Also, ask the seller about it. Also, you can see I already buy this product on XXXX XX/XX/2021. And I check on XXXX for my product serial number ( XXXX ) for repair by the XXXX official repair page ( XXXX XXXX XXXX ) they show me my expiration date is for recovery on XXXX XX/XX/2021 but how can it's possible? If I got a new phone I minimum got a legit warranty. Please consider my case and please ask the XXXX, my order number is Order # : XXXX. Thanks a lot. If you can't resolve the matter maybe I can complain about the support of PayPal to the Consumer Financial Protection Bureau. Thanks again. Here is the video - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks!!!
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (IL)

I am writing to dispute the following information in my file. I recently received a copy of my XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The following credit inquiries are related to none of the aforementioned permissible.
Consumer complaint received 2022-04-24
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. (FL)

In accordance with the fair credit reporting act the following companies has violated my rights. There are inquires on my report, that I did not authorize. 

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. 

XXXX XXXX/ XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX / XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Dept of XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2018-02-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alco Collections, Inc. (MI)

I have been calling for months to try and settle this debt owed. I now live in a new state and can't get a place to stay because of this debt. No one ever answers the phone nor return my calls after I leave a voicemail. All I'm trying to do is pay so I and my children can have a place to stay. I'm XXXX living in a XXXX at the moment because of this reason. I've never received a letter or anything from this collections agency ever. I only found out about it when I checked my credit and kept getting denied housing because of this.
Consumer complaint received 2021-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAC Financial Corp (AZ)

On XX/XX/2019 I had go into XXXX XXXX XXXX XXXX in XXXX XXXX Arizona. The doctor installed a catheter into my urinal bladder. On the next morning XX/XX/2019 I had to return as the catheter nurse practitioner failed and came out. XXXX XXXX XXXX XXXX XXXX sent me a bill for {$590.00} for failed procedure done by his nurse and charged again for this malpractice another {$590.00} on XX/XX/2019. The payments were made by check : {$960.00} and which includes XXXX payments they did not credit me with and another approved allowed amount of {$350.00} from XXXX XXXX insurance that they refused because they claim in was out of network. 
XXXX XXXX  Physicians hired CAC Financial Corp to collect more money from me this collection company from XXXX XXXX ( XXXX ) XXXX or XXXX XXXX has been continually calling me to collect and will not stop. They claim that I need to send money to them. I made payments directly to XXXX XXXX  XXXX.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: CARD Corporation (PA)

I had XXXX and on XXXX XXXX I paid XXXX XXXX on two transactions 1 ) for {$100.00} 2 ) XXXXXXXX XXXX said they never got the money as of yesterday!! XXXX said they tried to take XXXX dollars and it was returned.So that mean Card.com never paid XXXX the money. XXXX  turn my services off because of it and I ask for a refund of my XXXX .... I call card.com to file a dispute a they don't want to transfer the call to the dispute department.
Consumer complaint received 2018-11-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (VA)

Never received any notice of this bill until it appeared on my credit. I don't have gas service to my home. Once disputed, still didn't receive validation just a letter with the balance on it. They continue to call my job and I never authorized anyone to contact me at work. They call my mobile phone as well. When I answer, it's a robocall and no one responds. When you call them, you are put on terminal hold waiting for a rep to answer. I want this removed from my credit report immediately as I do not owe them anything.
Consumer complaint received 2018-11-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NC)

I have my social security check of {$1600.00} directly deposited into my checking account at Wells Fargo Bank on the 4th Wednesday of every month. My last deposit was on XX/XX/18. On XX/XX/18 Wells Fargo showed my balance as {$570.00}. As of XX/XX/18 they show my balance as - {$310.00}, According to Wells Fargo, I've spent a total of {$1900.00} since my last deposit. 
I live in a small apartment that rents for $ XXXX/month. I have not been able to pay this months rent because of insufficient funds. 
I have a beat-up XXXX XXXX XXXX that is paid for. 
I receive all my medications from the VA for {$5.00} co-pay each. 
I just had XXXX at the VA in XXXX, XXXX to remove a XXXX XXXX on my XXXX, that my VA physician observed at my last bi-yearly examination. 
I owe the VA {$200.00} for the consult and XXXX, that I am unable to pay. 
I am on Medicare since I am XXXX y/o. 80 % of my medical bills are covered. 
I pay XXXX XXXX XXXX $ XXXX/month that covers the cost of the hospital room charges. I have 1 cell phone with service at consumer cellular for $ XXXXmonth. 
I don't drink any alchoholic beverages. 
I don't smoke or otherwise consume any tobacco products or any legal or illegal harmful substances. 
I make all my cleaning supplies at home. 
I don't eat out at any restaurants and cook all my own meals. 
I have an Auto Insurance policy with XXXX for $ XXXXmonth. They refuse to supply me with a proof of insurance card after multiple requests. If I am in any motor accident, I have no way to prove I am insured. 
I was a XXXX  for the XXXX XXXX for XXXX XXXX XXXX   XXXX  located in XXXX, XXXX Their main XXXX  office was located in XXXX , where I was employed. The project I was hired for at XXXX was the {$750.00} XXXX XXXX XXXX headquarters in XXXX, XXXX, I have been gainfully employed since I was XXXX y/o, XXXX XXXX for XXXX  XXXX XXXX XXXX. 
I am personally insulted, to have worked all my adult life and served my country for 6 years during the XXXX conflict ( a war made unpopular by those who refused to serve and treasonous traitors like XXXX XXXXa ), and then to be robbed of my well-earned retirement benifits by an unscrupulous banking institution like Wells Fargo. 
The photocopies I made from WFs posted transactions of my checking and savings account that prove their FRAUD and feduciary malfeasance beyond any shadow of a doubt are too large a file for your system, I will gladly mail copies of these files to you if required.
Consumer complaint received 2021-07-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

Filed a complaint two weeks ago due to not receiving my title when vehicle was paid in Full XX/XX/XXXX. Received a notice dated XX/XX/XXXX with no instructions advising here is the documented I requested, with a disclosure statement. I requested my pink slip and they still failed to provide. Kia has not provided instructions on what I need to do with the statement. I assume I have to mail it. But instructions are not clear. This is not acceptable. I am demanding my pink slip and all penalties that are due.
Consumer complaint received 2018-10-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CHECK INTO CASH INC. (UT)

On XXXX XXXX I was contacted by check into cash advising that I had outstanding loan that had not been paid I advised that I did not have a loan and I am in the process of disputing the loan. I have retained an attorney who is representing me and I sent two certified letters to the company. I have proof they received both letters and they have continued to call me.
Consumer complaint received 2018-02-16
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: JPMORGAN CHASE & CO. (TX)

I HAVE A CHASE MTG ACC THAT GOT TRANSFERRED TO XXXX  XXXX   ON MY XXXX REPORT AND IT SHOWING A DOUBLE REPORTING ON MY CREDIT REPORT WHICH IS HURTING MY SCORE I CALL XXXX TO DISPUTE IT XX/XX/XXXX THEY SAID THEY WOULD DELETE IT THEY SEND ME A LETTER SAYING IT WILL BE DELETE THEN THEY SAID THEY CAN NOT ITS AND ERROR. 
They said that chase would have to delete it to call chase i call chase talk to XXXX and he said he would investigate it they said they could not do noting because they sold the acc to XXXX XXXX so i call XXXX back talk to XXXX XX/XX/XXXX dispute specialist she said i would have to get something from chase for them to take it off or it have to stay on my report to XX/XX/XXXX she said chase have the authority to do it. So i call chase talk to XXXX he said its XXXX  have to delete it he said that chase last report on the acc was XX/XX/XXXX so i call XXXX back and they said its chase that have to do something about it and they reinvestigate it again
Consumer complaint received 2021-11-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (TN)

XX/XX/XXXX Sent and Received certified mail for Demand Debt Verification and Cease & Desist from reporting. I C System has flagged your account as Collections on XX/XX/XXXX. 
XX/XX/XXXX I have not received any verification of debt or reply. Company violated the cease and desist by reporting to credit bureau with providing me written proof as requested. 
I filed a complaint with CFPB XX/XX/XXXX case XXXX CLOSED but have not receive any proof of debt or signed document by me that validates the debt and its been over 90days. 
Laws in 15 USC 1692 have been violated by the company 's actions and I demand all Remove all negative reports to all bureaus immediately! 
I will be looking to file suit and complaints with XXXX because my rights and livelihood has been affected by their actions
Consumer complaint received 2021-07-05
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: Social Finance, Inc. (GA)

XXXX XXXX XXXX XX/XX/XXXX 2.US Small Business admin oda XX/XX/XXXX XXXX. Sofi Lending XX/XX/XXXX I checked my personal credit report, and I noticed an unauthorized inquiry had been made. I contacted XXXX, and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business
Consumer complaint received 2022-03-29
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (AR)

Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : Inquiry from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX  XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2018-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NH)

On XX/XX/2018, Coinbase withdrew {$140.00} from my checking account despite me not having done anything to justify this They claim this is a problem with XXXX however XXXX states that this problem is exclusive to Coinbase and no one else they serve is experiencing a similar problem
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NJ)

Chase advertisements make it seem like any normal person can obtain one of their great credit cards. The points and cash back rewards seem amazing but what they don't tell you is they are highly discriminatory. They will only give credit to those people they want to even if you qualify for it. Even if you qualify for credit they will request documents they know isn't possible to obtain for some time. They know this so they also make it so you can not record their phone calls even though they can. I asked a supervisor specif information but they remain vague and just repeatedly ask for information they know that isn't possible and refuse to be flexible EVEN IF YOU QUALIFY.
Consumer complaint received 2018-02-16
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (CA)

My application for pre-approval was beginning but permission was not given to move forward with the process as the property in question was taken off the market. I called the loan broker and stop the application process before it was to be looked at. The loan broker from Wells Fargo proceed without my written permission or orally expressing my consent.
Consumer complaint received 2021-07-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.
Consumer complaint received 2018-02-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (SC)

Coinbase.com recently had an 'technical error ' resulting in many users having their personal bank accounts that are tied as a payment method to Coinbase deducted in amounts varying from person to person. 

The charges are all posted on XX/XX/2018 Time/amount XXXX - {$50.00} XXXX - {$100.00} XXXX - {$140.00} XXXX - {$220.00} XXXX - {$300.00} As of this report I am now subject to five {$35.00} overdraft fees per day and I'm attempting to work something out with my bank, as these charges will continue daily. 
These charges mirror some of my Coinbase purchases that I previously made. 

Coinbase costumer service has not responded to my inquiry on their site.
Consumer complaint received 2021-07-05
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. (KY)

Submitted dispute to Equifax more than 60 days ago and have not received an update. 
1.XXXXl XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX  XXXX 4.XXXX XXXX XXXX 5.XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8.XXXX XXXX XXXX 9.XXXX XXXX XXXX 10.XXXX XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX XXXX XXXX
Consumer complaint received 2020-01-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (WA)

On XX/XX/XXXX, U. S. Bank offered me an option to pay back a credit card by entering into their Restart Repayment Program. When the Representative presented the offer, she said I would pay back the debt over 60 months, and the U. S. Bank entry on my credit report would show up as a Voluntary Closure. After discussing the program with the U. S. Bank Specialist,  confirming and re-confirming the terms of the Program 6 times during our 90 minute conversation, including that my credit entry would be updated to show Voluntary Closure, I accepted the repayment terms the U. S. Bank Specialist promised me, and entered into their Restart Repayment Program ; I have been paying U. S. Bank as agreed since I entered into this agreement in XX/XX/XXXX. 

Based on that Agreement, in XXXX of XXXX, I assured a prospective landlord that the entry would show as Voluntary Closure, and when the credit was reviewed in XX/XX/XXXX, U. S. Bank had not updated my credit entry. On XXXX, I called into U. S. Bank to have them correct their mistake, and I spoke with XXXX, who was able to listen to the entire 90 minute call from XXXX, XXXX, XXXX. She came back on the line, and agreed that what I had been told was misleading, and that she also heard multiple times during the call that I was promised a Voluntary Closure of that account, if I entered into the Restart Program. However, she was unable to make the change herself, and had XXXX, a Manager from Solution Department, call me on XXXX. 

XXXX reviewed the XX/XX/XXXX and XX/XX/XXXX calls, and she also agreed that I had been given inaccurrate information and I had been mis-informed. The Manager XXXX also agreed I was promised a Voluntary Closure when I entered into the repayment Program. However, she was unwilling/unable to fix the mistake, and escalated my issue for a call on XX/XX/XXXX at XXXX XXXX  Unfortunately, no one from U. S. Bank ever called me back as XXXX had promised. 

I relied on terms of what U. S. Bank told me when I agreed to re-pay them and enter into their Restart Repayment Program, and I have been keeping up my end of the Agreement for the past 7 months. I would like U. S. Bank to do what they promised and correct my credit entry to show a Voluntary Closure. If logistically a Voluntary Closure can not be done, they should delete that entry on my credit report.