davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (CT)

On XX/XX/2022, I contacted XXXX  XXXX for job search services. However, I was compelled to sign a contract halfway without an adequate explanation of their services in English, which is not my native language. The contract was for {$5900.00}. 
Subsequently, the welcome letter, when I finally saw it, was illusory, and contained a NON-DISPARAGEMENT clause. I have canceled and not used their useless service at all. While I was negotiating with XXXX XXXX and Affirm, I was eventually able to secure a 50 % refund on XX/XX/XXXX, but I still owe the remaining 50 % to a fraudulent entity from whom I did not receive any services.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Sage LLC (HI)

Today XXXX XXXX 2022 at XXXX ( PST ) I spoke with a man named XXXX with XXXX. He stated to me he could get my credit debt disputed but i have to pay {$190.00} for initial fee, then {$99.00} a month until it is resolved then I call them ( credit sage ) to cancel the {$99.00} a month. I did however give him my husbands FULL Social Security and Date Of Birth. I do not want any of that information to get leaked or someone opens a credit card, or something serious with my husbands information. Please help.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: KEYCORP (ID)

Id like to file a formal complaint against KeyBank. 

In XX/XX/2022, I received a promotional offer in the mail from KeyBank offering me a 0 % interest credit card on balance transfers. My limit was {$7500.00}. I conducted a balance transfer on XXXX XXXX in the amount of {$6000.00} from XXXX to KeyBank. I remember speaking to a male over the phone ( who works with KeyBank ) to conduct the balance transfer. The male who worked for KeyBank was friendly and reassured me I was receiving the promotional offer. Because I no longer had the promotional offer in hand, I remember asking the KeyBank employee if I was still within the time frame. The promotion was advertised as 0 % interest on balance transfers, but I would pay interest on additional charges applied to the credit card. 

In the months following, I maxed out my card at {$7500.00}. Therefore, I was expecting to be paying interest on the {$1400.00} balance that was not part of the balance transfer. I reviewed back statements to assure I was paying more than expected in interest. 

Fast forward to XXXX XXXX. I called KeyBank to ask what my current interest rate was. I spoke to a nice lady named XXXX. XXXX informed me my interest rate was 14.24 %. XXXX also informed me that I had been paying interest for the balance transfer in addition to all charges racked up on my credit card ( I have been paying interest since XX/XX/2022 ). I spoke on the phone with XXXX for over an hour on XX/XX/2022. By the end of our conversation, XXXX got in touch with a female supervisor who stated, The call back in XXXX when the balance transfer took place was no longer recorded because it had been longer than 5 months. The KeyBank supervisor also stated, I found the promotion that should have been applied to your account and I will get the interest youve paid over the last 5 months, credited back to your account. 

On XXXX XXXX. I missed a call and voicemail from XXXX. When I called back, I spoke to a male supervisor who informed me that after investigation, I missed the promotion by a few days, and I do not qualify. I explained in detail to this male supervisor with KeyBank the situation and explained my frustration due to being told twice, I would be given the promotion. I would have never transferred my balance from XXXX to KeyBank, if I had not been promised the 0 % promotion ( my interest rate was lower with XXXX than it is with KeyBank ). 

I feel KeyBank was dishonest to gain my business. I was not issued the interest rate as advertised on the promotional offer they mailed to me.
Consumer complaint received 2017-10-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Meridian Financial Services, Inc. (VA)

Meridian Financial Services , Inc. continuously calls and leaves messages on my cell phone which appear to be in some foreign language, as I am not able to understand any of the messages. Additionally, they are sending letters addressed to my ex-husband, who does not live at this address, and has never lived at my address. I have written a letter explaining that my address is not his address to no avail. I have returned 4 letters stating the addressee does not reside at this address. However, this company continues to harass me with these calls and letters addressed to my ex-husband.

Additionally, this company has placed 7 collection items on my credit report for timeshare fees to a timeshare that I do not have possession of, access to, or deed for the property. This timeshare unit is in the sole possession of my ex-husband, and he holds the deed to this unit. Additionally, the fees appear to be in excess of 12 years old.
Consumer complaint received 2022-11-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TN)

the Coinbase XXXX app  is a fraud. It looks lke a coinbase wallet, but it's not. 
It seems like a foreign entity has done a masterful job at creating a web site that would resemble a wallet. But it's a scam
Consumer complaint received 2022-10-07
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX  XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX Reference XXXX
Consumer complaint received 2022-11-09
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. (TN)

Equifax has not honored their obligation to investigate my dispute correctly by law, within XXXX XXXX Incorrect information appeared on my XXXX credit report on XX/XX/2022 : The account was incorrectly being reported as a charged off account with a balance due. I requested that Equifax please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on the account. 

Equifax never sent proof, neither did they change the negative payment status on the account. 

After an XXXX XXXX went by, I sent another dispute on XX/XX/2022. In the XXXX round of disputes of this incorrect information, I stated that I previously disputed the account stating : ( The account was incorrectly being reported as a charged off account with a balance due. I requested that Equifax provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on the account. ) I also stated that I did not agree with the results of the investigation. I requested that they please mail me the proof of the investigation and proof of the negative payment status for the account, or delete the negative information in the account ''. 

As of XX/XX/2022, Equifax still has not sent any proof, they have not changed the negative payment status on the account, nor have they deleted the negative information in the account. 

This complaint is in regards to the incorrect information for the ( XXXX XXXX XXXX account on my Equifax credit report
Consumer complaint received 2022-10-07
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, XXXX XXXX  XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX  XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : {$32000.00}
Consumer complaint received 2022-02-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2022 I was scammed out of {$2000.00} from an individual impersonting themselves as a WELLS FARGO representative. The individual convinced me that via text that someone from XXXX XXXX XXXX was trying to take money from my account through the Wells Fargo XXXX XXXX transfer. This individual claimed he was from the Wells Fargo fraud department and that he was assisting me with what to do in order to prevent the transaction from taking place. This fake impersonator reassured me that this was okay to do in order to stop the fraudulent transaction from taking place. This impersanator had me to reset my XXXX account to act as if I was sending the funds via XXXX XXXXXXXX XXXX to my self. I have a full report attached. I submitted a fraud claim to WELLS FARGO and they denied it because they felt the transaction was processed accordingly. They have since revoked the provisional funds that they returned to me and have forwarded me to another Non-Fraud VOS Department Claims Department. When you speak to a customer service rep. they are not familiar with your case in which everytime I contact Wells Fargo and speak with someone in a department they are clueless and have forwarded me to another department that can give me no assistance. How can Wells Fargo help me If I have not been able to even submit a report of the details of my situation. I am trying to get my {$2000.00} back because this transaction was a scam through WELLS FARGO 's XXXX XXXX services. Any assistance would be appreciated.
Consumer complaint received 2022-10-06
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. (MI)

Equifax has violated my Federally protected rights under the FCRA. I contacted Equifax today letting them know the account XXXX XXXX should have been removed after speaking with a supervisor he said the request was sent in XX/XX/XXXX according to XXXX XXXX but Equifax said they submitted paperwork saying it mine which is inaccurate. Equifax credit reporting has been very inaccurate as well as my score, my points dropped XXXX points after having a collection removed.. My consumer report needs to be evaluated as my score is definitely inaccurate. Failure to comply will result in a lawsuit.
Consumer complaint received 2017-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have tried to contact XXXX, XXXX, Transunion, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, XXXX, Transunion has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, XXXX, Transunion of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX BANK Acct # : XXXX
Consumer complaint received 2017-10-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management Inc, XXXX XXXX CA is trying to collect on a time-barred debt. They are currently violating the federal Fair Debt Collection Practices Act XXXX FDCPA XXXX. Also, They send letters in XXXX to my family. None of us speak XXXX XXXX. I have contacted them, disputed the debt and told them to cease any and all communication and delete my information from their system.
Consumer complaint received 2022-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

Good evening- my information was transfered from XXXX XXXX, and is showing in the Mohela site. I had a few issues XXXX XXXX was helping me with along with the ombudsmen team at student aid. My issue is, data is missing from my count, years are missing ( XXXX ) and there are also gaps within the subsequent years. ( post consolidation ) Also, some forbearance was accounted and others not during the PSLF waiver. I was waiting for the fall for the rules of the IDR waiver to apply and all the forbearance/deferment would count. I have sent mohela, emails for assistance with no luck. Cant get a live person on the phone. During those years my servicers was XXXX XXXX. I am not even sure if the DOE had done their final review. Can someone please advise.
Consumer complaint received 2022-11-09
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: JPMORGAN CHASE & CO. (OR)

In accordance with the fair credit reporting act, this creditor has violated my rights. UNDER 15-USC 1681 section 602 states I have the right to privacy. 15-USC section 1681 604 A section 2 it also states a consumer reporting agency can not furnish an account, without my written instructions.

Under 15 USC 166 B A creditor may not treat a payment on a credit card account under an open an open credit balance as late, for any purpose.
Consumer complaint received 2017-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (TX)

Receivable Management Services ( RMS ) is trying to collect a debt that is not valid. We do not owe XXXX XXXX, in fact we are owed a refund payment of around {$80.00}. 

A certified letter was mailed to both XXXX XXXX and Receivable Management Services ( RMS ) on XX/XX/XXXX. Stating this exact information. RMS signed the USPS return receipt on XX/XX/XXXX, verifying receipt of our letter.
Consumer complaint received 2017-10-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc. (NC)

On XX/XX/XXXX I received an an notification that an collection was added to my XXXX credit report from SCA collections account number XXXX this account was previously deleted from my credit reports in XX/XX/XXXX. and now re inserted which is against the law. also I have never received a letter within in 5 days of communication which the company has never had communication with me via mail or phone and according to 15 U.S.C. 1692g ; see 5.7.2.5, supra. this is a FRDCA violation which in fact I could take to court and the sue the company for being in violation of my consumer rights. this are the actions that must take place before a company can just put something on my credit file Within 5 days of the first communication with you, debt collectors must provide you with a written ( or verbal ) notice that contains : The amount of the debt The name of the creditor A statement noting the debt will be considered valid unless disputed within 30 days Notice that the debt collector will send a verification and validation of the debt if the request is made within 30 days Validation rights : If you send the debt collector a request for validation or verification of the debt, they can not contact you during the interim period, can not continue collection efforts, and can not report any negatives to the credit bureaus. Once they do provide validation, they may resume collection and reporting activities. which was not done I did n't have the right to validate this at all. plaintiff must be accompanied by certain materials as set forth in N.C. Gen. Stat. 58-70-150 : ( 1 ) A copy of the contract or other writing evidencing the original debt, which must contain a signature of the defendant. If a claim is based on credit card debt and no such signed writing evidencing the original debt ever existed, then copies of documents generated when the credit card was actually used must be attached. If the company IN FACT CAN NOT PROVIDE A ACTUAL SIGNED COPY OF A CONTRACT THAT I HAVE WITH THEM THE DEBT IS NOT VALID. VERIFIYING MY NAME ADDRESS AND SOICAL SECUIRTY NUMBER IS NOT VALDIATING ANY KINDS OF DEBT OWED. ( 2 ) A copy of the assignment or other writing establishing that the plaintiff is the owner of the debt. If the debt has been assigned more than once, then each assignment or other writing evidencing transfer of ownership must be attached to establish an unbroken chain of ownership. Each assignment or other writing evidencing transfer of ownership must contain the original account number of the debt purchased and must clearly show the debtor 's name associated with that account number. I 'm VERY AWARE OF THE VIOLATIONS THAT OF MY COUNSUER RIGHTS AND WILL PRUSE ANY LEGAL ACTION AGAINST THE COMPANY IF NECESSARY.
Consumer complaint received 2022-11-09
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. (NC)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXXXXXX 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 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 2022-02-19
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. (CA)

XX/XX/2015 auto loan from XXXX XXXX car was repossessed and has been on my credit report for 7+ years and account was closed and my payments were always on time after me loosing my job then Covid 19 happend not to far after messed me up financially
Consumer complaint received 2017-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (GA)

On XXXX/XXXX/XXXX, I attempted to use XXXX to track my spending/purchases through their monitoring service. BarclayCardUS blocked access ( even though I provided all the required log-in info ). XXXX indicated BarclayCard blocks third party access for all users. This is unreasonable. I value security, but I should be allowed to share my info with anyone of my choosing, and this policy forbids that.
Consumer complaint received 2017-01-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bull City Financial Solutions, Inc (FL)

There is a collection agency by the name of Bull City reporting on my credit an account for {$300.00}, claiming I owe this amount to XXXX XXXX. This account does not belong to me and it 's affecting my credit score.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Equifax has locked my credit profile and has prohibited my ability to obtain credit. 

I have called the number on their website to talk with a live agent. 

I have also mailed and Faxed a request to unlock my profile so that XXXX party reporting agencies ( XXXX, XXXX XXXX, etc ) can obtain data.
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

THIS IS A MATTER THAT INVOLVES DISCRIMINATION ALL RESPONSES SHOULD BE IN WRITING TO THE ADDRESS ON FILE To Update the contemporaneous record on Paypal as this is not the first complaint I have filed ; - ) XXXX XXXX Withdrew {$400.00} from ATM using card ending in XXXX ( ok ) XXXX XXXX withdrew {$400.00} from ATM using card ending in XXXX ( ok ) XXXX XXXX tried to withdraw XXXX using ATM card ( NOT OK ) Prior to going to the same ATM the passwords were all updated in the paypal website after XXXX XXXX was denied at the ATM he used the ATM/Debit card to go to XXXX and also used the card to pay for his XXXX  Cell Phone bill XXXX. 

You be the Judge is this discrimation or NOT? This is not the first time this has happened either and it has happened at times when he was stuck in a bad sections of XXXX and was almost XXXX because of it. 

The last rejection for our loan which we have received many loans from Paypal and successfully paid them all back we did not receive a reason why we were rejected to the address on file here