davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have some inquiries that they are not mine they ask to send them an ftc report I did everything they ask me they send me a report that say those inquiries been deleted I been waiting 3 months an they are still showing in my credit I call them they told me those paper been more than 90 days so I need to send a new ftc report if not they cant do anything an I dont understand after I got a report that it there that is deleted why is showing up why I have to do everything again because of. Errors in the part
Consumer complaint received 2022-08-02
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. (TX)

Please see the attached letter from the court your company " verified '' the inaccurate bankruptcy on my consumer file confirming they do not verify any information with the 3rd party. are you aware that removing any information on a consumer file and then later adding it back without written notice is in direct violation of the FCRA? i'm giving your company a chance to fix this error before i seek litigation. i am keeping record of all responses from your company as evidence.
Consumer complaint received 2021-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

On XX/XX/XXXX, it came as a shock to me when Paypal banned my personal accounts under the suspicions of fraudulent activity which I believe has no basis since I'm the only authorized user and owner of my verified accounts, because I transfered {$780.00} from the Paypal I created in XXXX to the one I use here in XXXX and spent it shortly after, it was marked as a risky transfer. I was planning to transfer all my funds here since I can't use the account I created back in XXXX. I'm XXXX citizen and I'm currently residing in XXXX, and thus I can only use one account and no longer wish nor intend to use the other since I'm no longer physically present in XXXX nor can I travel there due to XXXX travel restrictions in XXXX. 

I have been using Paypal since XXXX. I created my Paypal account here in XXXX since XXXX and was planning to transfer all my funds from the one in XXXX to the one here in XXXX so I can spend money and shop online, and send to family and friends. 

The permanent limitations will greatly impact and hurt my chances of getting paid as a freelancer in the future since most platforms where I am registered at require PayPal, also it will cause me a financial loss, block me from receiving money from family and friends abroad, and from sending to them as well. I have a sibling who is XXXX citizen living in XXXX, and planning to send some money to her next year. Also it could prevent me from shopping online since the better security Paypal offers when shopping online gives PayPal my full trust and makes it my main chosen method of payment.
Consumer complaint received 2021-12-19
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)

I've had two accounts with XXXX  card one dating back to XXXX and one dating back to XXXX. Since, I've had these open accounts with XXXX bank I've never had any delinquencies, no late payments or missed payments and have had a good relationship with this bank. I've gone through my XXXX, XXXX, and equifax credit reports and I've noticed incorrect information on my report concerning these accounts where XXXX this account has a late payment on XXXX in XXXX and XXXX that's been opened since XXXX had a late payment marked in XX/XX/XXXX that was 30 days. These are inaccurate, false reporting claims that they are making on my report which is severely impacting my credit to where I am unable to go for a mortgage. As a member of XXXX Bank and I still am for 5+ years this is very concerning and I'm very upset to be a victim of this.
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

We submitted a dispute with Chase bank for the sum of {$10000.00}. We made a purchase from a supplier on XXXX and the supplier never sent out the items. After several attempts to have them send it out, they refused to send out the items. We provided Chase all documents showing the supplier would not send out the items and we were protected under the Fair Credit Reporting Act as the under the Fair Credit Billing Act ( FCBA ), ( 15 U.S. Code 1666-1666j ), if the merchant is unable to ship within the promised time, it must notify the purchaser by mail, telephone, or email, give a revised shipping date and give the purchaser the chance to cancel for a full refund or accept the new shipping date. The merchant also must give the purchaser some way to exercise the cancellation option for free. If the merchant can not meet the revised shipping date, it must notify the purchaser again by mail, email or telephone and give the purchaser a new shipping date or cancel the purchasers order and give the purchaser a refund. Chase refused to honor our dispute and sided with the merchant despite them still having all the supplies and never sending them out. Originally, they stated that since we only paid a deposit, we had to pay the rest. However, the merchant stated they would not send the items and it has been several months since they were supposed to be delivered. The items can no longer be sold. Chase told us to submit another dispute stating we wanted to cancel the items. We submitted the second dispute. Chase immediately denied the dispute stating we have a valid claim but have to sue the merchant as they will not honor the dispute. We would like Chase to follow the FCBA and protect us as consumers before we begin our process of initiating our lawsuit. Please return the chargeback amount of {$10000.00} as we are not responsible for this fraudulent charge.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ERC (CA)

I checked my credit and found a collections account with the original creditors name as XXXX XXXX, ENHANCED RECOVERY COMPANY is the debt collection company who took over the debt. I for one never opened a XXXX account on XX/XX/2020, or ever for that matter. I have paid all my bills all my life yet this collection agency resided to provide actual signatures or proof of use since this looks very much like ID theft. I have asked them several times to discontinue threatening me at work with legal XXXX and to provide an actual account number and date of service. When I mentioned the ID theft CPFB they said I was " on XXXX  and should learn to pay my bills. ''
Consumer complaint received 2023-03-27
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. (CT)

Wallet with SSN, My Sons SSN, IDs, Cards And More Was Used and Stolen Back In XX/XX/2016. Resolving Full Credit Report Prior To Applying For My XXXX XXXX Please Call Me Urgently For More Information. 

Thank You Regards, XXXX XXXX XXXX - 15 U.S.C. 1681c-1 and 15 U.S.C. 1681c-2
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (VA)

Timeline : Starting XX/XX/XXXX - Numerous XXXX purchases made using credit card. 
XX/XX/XXXX - Received and completed IRS consent form 4506-C. Unable to use credit card during processing. 
XX/XX/XXXX - Called Discover and was informed IRS verification will take up to two weeks. 
XX/XX/XXXX - Called Discover again and was told by Discover agent that some agents have spread misinformation. Verification may take up to 7 weeks. 

Summary : On XX/XX/XXXX, my credit card stopped functioning as Discover sent my card to the IRS for verification. There isnt an option to avoid the verification, as the consent form must be signed or the card will be discontinued. I called Discover, and an agent told me my card would be unavailable for up to two weeks. My credit card is an important piece of the buying and selling I do on XXXX. On XX/XX/XXXX, after hearing nothing from Discover, I followed up and found that two weeks was the MINIMUM time such a review can take, with up to 7 weeks being the maximum. It is very unethical for consumers to be lied to about the time which their credit card will be unavailable. It is equally unfair for someones credit card to be restricted for such a long period of time. I didnt do anything to warrant such a verification in the first place. I am happy to discuss further malpractice on Discovers part.
Consumer complaint received 2021-12-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (TX)

Do to Covid both my wife and I were furloughed from our jobs at the same time. My wife returned 8 months later but my position was lost. We reached out to our mortgage company and were put on a forbodence plan. Last month a realtor stoped by my home and wanted to know if I wanted to sell my house because it was on the foreclosure sale list. That was on XXXX. That is how I found out that I was in foreclosure, I didnt get notified by the bank or the attorney until days later. And that was not even done by certified mail it was just by regular mail. I contacted midland mortgage on XXXX I was told that there were a few motifacation programs that I may qualify for I started the process that day on the phone with XXXX badge number XXXX. I was told that all foreclosure procedures would be stopped during the review process. He said that I would get a conformation letter stating that which I did receive. As of today my home is still on the auction list for XX/XX/2022. At this point I am back to work and am able to make payments as per my mortgage agreement. I explained that to my mortgage company and even offered to start paying my payment at which point I was told not to do that at this time.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in accordance with the fair credit reporting act ... the account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX/XXXX XXXX XXXX XXXX section 602 A, right to privacy 15 USC 1681 604 A section 2, a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2021 contacted vendor no response. 

XX/XX/2021 item was supposedly shipped but never received item XX/XX/2021 Contacted bank to dispute I have emailed and messaged vendor no response on how to get a refund or get another item on the package that I never received. 

XX/XX/2021 Wells Fargo closed claim and told me to contact vendor but I have tried to contacted vendor but no response.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

At the beginning of the XX/XX/XXXX statement period, the outstanding balance on this mortgage was {$190000.00} For the XX/XX/XXXX statement period, I made the following payments : {$10000.00} additional principal payment on XX/XX/XXXX An additional {$10000.00} additional principal payment on XX/XX/XXXX Regular Monthly payment of {$1900.00} on XX/XX/XXXX A total of {$800.00} in interest was deducted from these payments. This exceeds the {$420.00} in interest that was due for XX/XX/XXXX. 

This equates to an interest rate of 4.99 %, which is higher than the agreed upon fixed rate of 2.65 %
Consumer complaint received 2017-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: STATE FARM BANK, FSB (NJ)

While getting car insurance with State Farm, the insurance agent suggested a credit card and life insurance for my son. It was to lower our car insurance and put the down payment on the card. Well, the card never came but it was approved, and ALL of the insurance payments were being applied to the card. I called my agent, he directed me to call State Farm Bank. They could n't do anything without an account number. But I could n't let my insurance drop so I paid the car insurance through XXXX XXXX XXXX and not through the State Farm Bank credit card. But they still are changing me for the car insurance. I spoke to my insurance agent and explained what was happening. He called State Farm Bank and put us on a 3 way call. The bank rep had nothing more to say other than to pay my credit card bill on full along with the late charges or it was all going onto my son 's credit report.
Consumer complaint received 2021-10-12
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. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

Hello, I seen that this account was on my credit file as a acollection and was place inyour office in XXXX 2020, however I never once recieved any notification verbally or writtena about this collection being transfered or sold to your company. Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. The FDCPA allows the collector to include the debt validation notice in the initial communication if that communication is a letter. I was never notified of the debt in 2020. 

I have mail cerfitied letter asking for debt verification and al Ihave recieved back is a bill a not anything tying your company to the debt and that you can legally collect on this debt.
Consumer complaint received 2021-10-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

I am in receipt of your letter dated and XX/XX/2021, in response to my letters dated XX/XX/2021, XX/XX/2021, and XX/XX/2021 respectively. I requested debt verification. However, the documents that I requested pursuant to my verification request were not provided. Namely, I asked for a contract or agreement signed by the parties and an itemization of the debt. You failed to provide the requested documents pursuant to my specific verification request to you. I never received such a letter dated XX/XX/2021 containing a legal validation notice.
Consumer complaint received 2022-12-28
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. (PA)

In accordance with the fair Reporting act XXXX  Account XXXX  XXXX, XXXX XXXX, XXXX, and JPMorgan has violated my rights. 

15 USC 1681 Section 602 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 an 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 2022-10-15
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: JPMORGAN CHASE & CO. (CA)

In accordance with the fair credit reporting act JPMCB and XXXXXXXX XXXX has violated my rights. Under [ 15 U.S.C. 1681 ] section 602, states I have the right to privacy. [ 15 U.S.C. 1681 ] section 604A section 2, it also states the consumer reporting agency can not furnish an account without my written instructions. Under [ 15 U.S.C. 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 2021-12-19
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. (MN)

XXXX XXXX Representatives keep constantly calling and harassing me repeatedly about a debt I dont owe and accounts thats not my accounts or debt. I been receiving phone calls from XXXX XXXX Representatives using profane and vulgar language against me, sending me litigation notices of me being arrest, took to jail, and sent to prIson for a debt thats not my debt or account. I am very afraid right now because, I been receiving death threats from XXXX XXXX Representatives as well.I fear I might lose my life and die because of the constant harassment and death threats I been receiving. XXXX XXXX has reported the fraudulent debt and accounts to Equifax and XXXX, and the fraudulent accounts and debt is currently listed on my credit report. XXXX XXXX is currently in violation of the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C 1692 under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Consumer complaint received 2021-10-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored
Consumer complaint received 2021-12-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (VA)

XX/XX/2021 I received a notification that a checking account was opened with my name, using my social security number, and DOB. Whoever used the incorrect address which is one of my old addresses. The Occupation is incorrect, along with the employer and job title I immediately contacted WELLS FARGO to let them know that I did not apply for a new checking account and I want this reported and investigated. 
I was notified several years ago about my information being exposed from several agencies including WELLS FARGO. Please let me know what I need to do to make sure whomever this person is they are not able to access or create any new accounts with my name or use my information in any way. 
Thank you
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

in accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IA XXXX USA
Consumer complaint received 2022-08-02
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. (NJ)

I ask the TRANS UNION & XXXX to investigate accounts on my credit report that where inaccurate. when the investigate was completed i find that there investigation was one sided and went against the FCRA when they didn't get my side or anybody that was at the transaction. Which is a violations of federal LAWS. i send in a affidavit address these concerns to all the violations i found on XXXX
Consumer complaint received 2021-12-18
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. (MI)

These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately FTC report number is : XXXX Accounts are listed in the FTC.