davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NY)

Hello i am a united states citizen and had some money invested in my Coinbase account in 2017, i went on a vacation to XXXX, and when on way back at airport i was checking the status of my account and upon arriving home, i received and email saying my account has been locked believing me to be a resident in a country in which coinbase is prohibited by law from doing business. I submitted the proper documents to prove that I'm am not a resident and my account is still locked i think they are taking advantage due to the amount of investments i had in there at the time. 

Please look into matter
Consumer complaint received 2021-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (TX)

I recently started receiving text messages from a company by the name of MRSBPO. The company is accusing me of an owed debt from XXXX in the amount of XXXX. After my service was canceled due to consistent technical problems and a verbal agreement for charges to be waived. I have tried multiple times to contact the company and have been unsuccessful due to longer than normal hold times, and being disconnected on their end. The miscommunication have lead me to believe this company is a scam and do not want to discuss debt matters with consumers. I do not have a signed contract or any contract/agreement with this company. I am being harassed through text messages from this company. Although, I have not given consent to receive text message alerts. I would like this matter properly investigated and deleted from my credit report. The company is showing 3 different ways on my credit reports. MRSBPO MRSBPO LLC MRS ASSOCIATES
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NY)

The company changed my account type without informing me that they would be doing so in advance. I believe this to be illegal. Moreover, I was transferred to an account type for which I most certainly would have had to pay a monthly fee. When I called I was transferred to a lower tier where the requirements for monthly fee waiver are lower. I previously had free checking and was told free checking was no longer offered. If it isn't illegal already, it should be illegal to make those changes without informing the consumer in advance. I'm looking into taking my business elsewhere.
Consumer complaint received 2022-08-10
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. (NY)

As I checked my three credit reports from annualcreditreport.com, on XX/XX/202XXXX XXXX XXXX which is now in collections with XXXX XXXX has reported both accounts ( XXXX, XXXX ) in collections with XXXX and XXXX and not with Equifax. I'm requesting that this inaccuracy be deleted from XXXX and XXXX credit reports.
Consumer complaint received 2022-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TN)

On XX/XX/XXXX, a sheriff knock on my door and provide me with a Civil Summons to answer to a civil action brought against me by XXXX XXXX XXXX XXXX XXXX about a Credit card balance owned on a Paypal Credit/Synchrony Bank in the amount of {$2800.00} that was open back on March 2016 under my personal information including an old address from which I had moved out on August 2018 to which I did request a change of address at the USPS which they forward any mail that was sent to my previous address to my new address and I never receive any statement or notification from either company about a past due account that I had with then. I did try to explain to the representative from XXXXXXXX XXXX that My personal information including my social security number had been compromised and even though I didn't file a police report about it I did set up a credit monitor that will notify me of any change on my credit including new account, collection account, closed or open account or any other change pertaining to my credit and this account had never showed on my credit report one thing I don't play around is with my credit because I know how important it's is to have good credit and if I had known about this account I would have taken care of it just like I have been taking care of the accounts on my credit report. Looking at the report that was sent to me with the summons including a PayPal credit statement with the last number of that account and it doesn't match the last four numbers of the account that was provided to me by XXXX XXXX XXXX XXXX XXXX, I don't think is fair for a person that a bank just sale the information to a collection agency without notifying the individual or change account number without any notice sent out.
Consumer complaint received 2022-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION (NY)

Re : Errors on my checking account Dear M & T Bank, I am writing to request a correction for a dispute placed on XX/XX/2022 in regards to a charge placed on XX/XX/2022 and processed on XX/XX/2022 for {$140.00}. 

Dispute 1 Account Number : Dates associated with Item being disputed : A charge for a {$140.00} on XX/XX/2022 ; dispute placed on XX/XX/2022. 

Explanation : I disputed a charge with M & T bank on XX/XX/2022 that was placed on XX/XX/2022 via XXXX XXXX split transfer. Meaning a portion was paid via XXXX XXXX and the remaining balance was obtained via my M & T bank card. The reason being is because I purchased three hoodies in support of XXXX  XXXX in support of the XXXX XXXX XXXXXXXX XXXXXXXX XXXX in XXXX Ny in which occurred on XX/XX/2022 ; in which I have not received the merchandise, a refund of my money, or any communication from the merchant. I purchased the hoodies from the merchant XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Ny. The merchant XXXX XXXX XXXX XXXX informed me that I would receive the hoodies within a week of the date off purchase, however it has been 2 months and 7 days and I have not received the merchandise or a refund. I have attempted to contact the merchant on 20 separate occasions via his business platform via social media, his cell phone. The merchant has failed to respond to me via text message, or via social media. In addition to changing his business page names, removing himself from specific social media platforms such as XXXX ; along with disconnecting his cell phone. Due to multiple failed attempts, I have contacted the police and sought out a charge dispute from M & T bank due to being scammed due to financial infidelity. 

I have attached a copy of supporting evidence that supports I never received any merchandise from the merchant or a refund of the payment in which I also requested 20 times within a two month and 6 day period of payment sent. In addition I have also filed a police report as per XXXX ; a customer service representative I spoke with from M & T account services on Friday XX/XX/2022 at XXXX XXXX. I additionally have reported the merchant to crime stoppers and filed a formal complaint to the Federal Trade Commission for Fraudulent activity. 

Thank you for your assistance. 
Sincerely,
Consumer complaint received 2021-06-26
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. (NY)

Im resending complaint for XXXX complaint. you closed the complaint saying you didnt recognize customer. Attached is my id to validate who i am. 
Iam a federally protected consumer. I sent letters excising my rights. Pursuant to 15 usc 1681b any reporting agency ( Equifax, XXXX and XXXX ) may furnish a consumer report in accordance to the written instruction of the consumer. I have never been given the option to opt out nor gave any written consent. NO CONSENT IS IDENTITY THEFT
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

there are 8 inquires from XXXX XXXX that I didn't consent to and they need to be removed from my credit file the dates for the inquires are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these need to be removed from my Equifax credit report
Consumer complaint received 2022-10-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brock & Scott, PLLC (GA)

I was unable to pay a credit card debt of XXXX in XXXX tried to make arrangement with the Credit card company ( XXXX XXXX Bank XXXX. They would not help me to resolve it. they instead charge me high fees due to delinquency. 4 years later XXXX I received a judgement. I never received a notification of subpoena XXXX. I went to court and I was told I owed XXXX. I informed them that was not what I owe. I informed them that I owed only XXXX. I was not sure how it doubled. I declined the debt in court. I found out later the subpoena was given to my mother in-law who has XXXX. I was never notified from her that charges was filed on me. if I ask today she still does not know of anyone bring documents to her. A lien was put on my home without my awareness. I only found out when I tried to do a refinance. XXXX another judgement was filed against me for XXXX plus other fees totaling close to XXXX. I request that the debt collectors stop calling me due to the statue of Limitation in the state of Georgia. Debt was removed from my credit report and I did not here from them again until this week XX/XX/XXXX. They have now filed a garnishment. for XXXX. This a large amount of money with no justification of the amount. Why am I still being threatened for a time barred debt that occurred over 18 years ago. What can I do to make them stop. Georgia Statue of limitations on credit card debt is 6 years, judgement are 5 years. no payments were made from XXXX due to lost of business and hardship.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

I made a payment months ago to payoff my gap card and then after received a bill for {$1.00}. I contacted the company and said my acct was paid in full and they said they would correct it and waive the fee. I trusted that they would do so but nope I get another bill next month and now they charged another {$1.00} for me not paying the {$1.00}. So I called again furious for something that shouldve been rectified already and wasnt. The representative assured me this would be corrected and I told her I was very upset and to close my account. The rep assured me and promised it was a mistake and lowered my interest for me to keep the card. So I said thats fine. One month past again and I get another bill again and nothing was fixed yet again and I called again and they were supposed to waive all these fees and close the account. I got the letter that the account was closed and now a couple weeks later I get another bill with more fees because the initial {$1.00} was never taken care of like they promised! Im on the phone w them yet again and waiting for a manager and on hold forever! Id like this taken care of and fixed like ur was supposed to be months ago. Honestly its about principal now this is absolutely ridiculous and I dont understand how this company gets away with this!
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Experian Information Solutions Inc. (MO)

Company kept charging my credit card and continually deleting negative items and then putting them back on within a week of it being deleted. I spoke with customer service and also have the email confirmation confirming my account cancelation. Not even XXXX minutes they tried to charge my card again after telling me that my account is cancelled. 
I have emails as well as notifications from My card company.
Consumer complaint received 2021-03-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC (IL)

The company failed to honor their 90 day " same as cash '' agreement by fraudulent means. I attempted to make this payment close to the expiration of the 90 days and was unable to due to an error on the company 's website. I engaged the company by contacting customer support and didn't receive a response until after the 90 days. I believe this to be a fraudulent tactic in which the company uses. Now, I've paid twice the amount of the " same as cash '' price and the company has cashed {$3000.00} in overdraft fees to my bank account by retrying the payment reach time it fails.
Consumer complaint received 2019-02-12
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I sent Equifax a dispute regarding information that was noticed on my credit report. 

My name is wrong in their system. I sent my driver License, my ssn, my current and previous address, along with the initial dispute from my credit report. 

Today XX/XX/2019. I received a letter from Equifax stating that they needed more information. The information needed was what I already sent. This proves that Equifax is violating my rights to having correct information on my credit report. Equifax has failed to investigate my report regarding incorrect information listed on my report. I want all information sent to Equifax on XX/XX/2019 to be deleted due to Equifax failing to conduct a proper investigation. 

I want all of my personal information updated accordingly!
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TX)

I am in the middle of purchasing a home and late payments from Nelnet keep popping up on my XXXX and XXXX  reports. I have reached out via phone and email repeatedly over the last 3 months and received no response. 

I was delinquent in my student loans back in XXXX due to being laid off 4 times in a 2 year period. However, since then I have successfully rehabilitated my loans back in XXXX and they have been transferred to XXXX to be serviced. I can't understand for the life of me why Nelnet is now reporting late payments in XXXX and XXXX. I need this fixed ASAP! 

I have disputed this every month with XXXX and XXXX and for some reason, someone at Nelnet keeps verifying that I'm late. How is it possible that I am late to a company that doesn't hold my debt? And as recent as XX/XX/XXXX?
Consumer complaint received 2022-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunset Management, Inc (GA)

XX/XX/2021 XXXX I disputed this matter with the agencies and told them that this was infact a fraud matter and i would need this account deleted .i also challenged the incorrect information account where they clearly violated the law 604 15Us code 1681B 605 A 15Us code 1681 C1 605 B 15 Us code 1681 C2
Consumer complaint received 2022-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

I sent {$50.00} via Zelle to an alleged company to cover shipping of a package from XXXX to the US. I believe all of the scammers are in the USA though. It seemed legit at first but as the conversation went on and based on the repeated requests for money, the insistence that it had to be received right away and then the fake XXXX  invoice received afterwards asking for even MORE money, I realized I had been scammed. This happened from XX/XX/XXXX through XX/XX/XXXX. Money was sent today. 
The scammers ised the XXXX app and impersonated a popular XXXX XXXX XXXX.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (PA)

Last time I was not quite accurate. My wife, using my data, opened this account without my knowledge. I do not refuse to pay the debt. The only thing I want is for you to remove this account from my credit history after payment.You must understand I can't go to police and make police report or identity theft because my wife used my documents. I still want her be at home and not in prison.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (DE)

XXXX 's Credit Card uses Comenity Bank, XXXX XXXX XXXX, XXXX, OH XXXX. 
Comenity has charged repeated late fees and exceptionally high interest rate charges to my account even though the account purchases were paid in full. I tried calling the bank regarding the XXXX late fee in XXXX, but the bank was not accepting any calls. The bank had a recording saying they had a system issue and were not charging customers late fees during this period. I asked them to reverse the late fees when I received my XXXX statement. They said since the payments were received 5 days late they could not reverse the late fees. I explained that I had tried contacting regarding the late fees, but they would not accept any customer calls. I now have 2 late fees and exceptionally high interest charges totaling {$86.00} for 2 months. I have now cancelled the card.
Consumer complaint received 2021-03-15
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. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-10-27
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX  equifax, has violated my right. 

15 USC 1681 section 602 A states I have the right to privacy.

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

Verification Violation
Consumer complaint received 2021-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

got a call today and message left was that they were calling from Amazon and there was fraud on my account and to please call back on the number XXXX XXXX. Of course I did not call that number. If there was any fraud I would have been contacted by the bank who has my Amazon account ... Chase bank. Just want to report the number
Consumer complaint received 2021-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CT)

Transworld Systems is attempting to collect on past due amount of {$130.00} owed to XXXX XXXX aka XXXX XXXX, the notice appears to have crossed, the account currently shows no past due amount, last payment in the amount of {$50.00} posted on XX/XX/XXXX. It appears this account was sent to collection, it is unclear if account is closed or not and or if entire balance is now due.. Their website shows no payment due at this time, do not know if account now belongs to Transworld or not..
Consumer complaint received 2021-09-09
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. (FL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.