davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-03
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-21
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. (IL)

In accordance with the Fair credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agecy can not fumish a account without my written instructions XXXX. XXXX XXXX Account number : XXXX Amount {$1800.00} XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (FL)

No payments ever was late. SLS still reported my account as late pay to Credit bureaus. 3 times I submitted documents to Credit Bureaus for correction, and 3 times SLS reported late pay as accurate. I need your help. My copies of cashiers checks and SLS 's statement showing exact dates they received my payments collaborate the facts below. ( all supported by attached copies of cashiers checks sent to sls, and sls statement ) * XX/XX/XXXX- SLS approved forbearance from XX/XX/XXXX to XX/XX/XXXX. 
XXXX payment after forbearance was sent on XX/XX/XXXX ( received by sls XX/XX/XXXX ) XX/XX/XXXX - SLS Requested documents to qualify mortgage for modification XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX ) After multiple request for modifications were denied sls asked for the full forbearance amount or short sell or deed in leu ( loose the house or pay full forbearance ) {$50000.00}, to cover forbearance and re-state the mortgage, was sent on XX/XX/XXXX ( posted by sls XX/XX/XXXX )
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (CT)

PayPal owes me several refunds and has told me over and over again that it takes 5 business days for the refunds to post to my bank account and my mom 's bank account. Well it's been over 5 business days and I have checked both my bank accounts and my mom 's bank account and there's not one refund posted to either of our accounts! PayPal will not answer the phone whenever I call them about this. PayPal claims that there are cases still open, yet those so called open cases have refunds attached to them and the cases that don't should have been closed in favor of my mom and me. This is based on several things involved in those so called open cases. I have tried several times calling PayPal no luck they won't answer the phone. I send them messages in their message center and they continue lying to me. There is absolutely no reason whatsoever that I should believe PayPal will send me and my mom our money back even though they are supposed to. Plus I want PayPal to send my refunds to a bank account I gave them but they refuse.. my XXXX XXXX XXXX  account even though I've linked it to my PayPal account like PayPal told me.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Equifax and XXXX have incorrect addresses and names on my Credit Reports that need to be deleted. I spoke to a representative at Equifax and XXXX on XX/XX/20. They refused to remove the inaccurate and incorrect information.
Consumer complaint received 2022-10-21
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 submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX Balance Owed : {$400000.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$16.00} ; XXXX XXXX* Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-04-03
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)

My name is XXXX XXXX i have been contacting and disputing Equifax Inc since XX/XX/2021 about a late payment that reporting inaccurate, the company did not conduct a reasonable investigation into the matter account name : XXXX ACCOUNT # XXXX Equifax Inc still reporting a late payment on credit report since XX/XX/2021 that wasn't corrected. According to the Fair Credit Reporting Act. 15 U.S. Code 1681c-1 ( a ) ( 3 ) ( 4 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.your role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding consumer dispute. When you contact the furnisher or vendor, you ask that they verify all of the information regarding the item disputed and report back within 30 days of the date that consumer received request. To help resolve the dispute, you Equifax Inc. shall review all relevant documents submitted with the dispute and will forward them to the furnisher if you are unable to resolve the issue. Equifax Inc shall review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, you find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. Equifax Inc able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After you complete the processing, as a Consumer reporting agency see ; 15 u.s code 1681i ( a ) ( 1 ) ( A ) you shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) im attaching all supporting documents such as bank statements to support my calm " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX  XXXX  XXXX XXXX  XXXX '', '' XXXX '', '' '' " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX  XXXX '', '' XXXX '', '' '' " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX XXXX '', '' XXXX '', '' '' " XX/XX/2021 ''
Consumer complaint received 2021-05-14
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. (NY)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (KS)

I am currently in the XXXX XXXX. While XXXX XXXX  my information was compromised. Because I was in another country, it was difficult sending dispute request via online. When I got back stateside, I submitted all my information letting them know that several accounts were the result of ID theft. They did not fix the errors. I hope that contacting your agency will finally help me.
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

On XX/XX/2022 - I had sent my complaint letter to COINBASE GLOBAL , INC in which I clearly stated how this scam has affected me personally, psychologically and financially. 
I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 
I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, COINBASE GLOBAL , INC never acknowledge my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter. 
Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operations run by XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my COINBASE GLOBAL , INC account to fraudulent investment firm ( s ).
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

Good afternoon, My account was charged over {$20000.00} in account fees within a two year period. 
I filled a complaint with XXXX  but was told that Chase Reports to their own corporate office.
Consumer complaint received 2022-10-20
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC (CO)

I disputed the debt verbally to Capio Partners, and less than 7 days later, they called again for the same debt. I am familiar that after the debt has been disputed and documentation has been requested, they can not call again about the same debt less than 7 consecutive days later.
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (VT)

Greentree servicing fabricated a mortgage note in a foreclosure action against me. After many attempts to view original wet ink note i was finally allowed to do so last week. I have proof that it is fabricated. This will be addressed in our pending litigation. Additionallt Greetrees errors and negligence caused the alleged default and after repeated Q.W.R. and disputes still has failed to correct it. Their fraud should be prosecuted
Consumer complaint received 2022-04-03
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. (NJ)

I was unaware that Equifax put a hold on my credit profile, unknown to me, and also no information was sent to me via mail to advise me that this has taken place. I found out on XX/XX/22 that my credit has been frozen after attempting to get an increase from 2 creditors. I called the same day and had Equifax unfreeze the account, I was also advised to wait for 1 hr before retrying again with the creditor, which I did. I called back 2 hrs later and was advised my credit was still locked. A few days later I received a letter stating the freeze was uplifted. I tried reaching out to Equifax to correct this issue, but the company states that there is no freeze. I was advised to create an online account, which I did, I was unable to create one because the system could not verify my info, which was correct. I spoke with w/the agent and advised them of the " NH '' error code, he then proceeded to attempt to create an account from his end and received the same error. Again, no resolution was given but instead, I was advised that they needed more information which has to be mailed with no option for uploading online or fax. Which I must say is an inconvenience for a customer whos been disputing a freeze for almost a month. I am unable to get a credit increase from two creditors that I desperately need for home repair due to the after math of Hurricane Ida.
Consumer complaint received 2022-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (IA)

I wrongly received a bill from XXXX when I joined my family members Friends and Family plan. We were told once I paid my current bill things would be caught up and me being put on the plan could move forward. That's what we did. The next month I was sent a bill from XXXX. We contacted XXXX things were straightened out and resolved. I do not owe XXXX anything. I have now received calls from a company called CBE group the last 3 Sundays. I had received a letter from them and wrote back to them twice now telling them the situation has been resolved and for them to leave me alone.
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Neon Newco Corporation (OR)

I bought a NetSpend card put money on it to pay a bill, then was denied account activation to use the card.my bill is past due with added fees, and still haven't received a refund check it's been a month Every time I get ahold of them I'm told I have to wait 10 days or they hang up on me.I Now owe double with extra fee's.I think they need to compensate me money.
Consumer complaint received 2022-10-21
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. (MD)

In accordance with the fair credit reporting act XXXX XXXX XXXXL, # XXXX, XXXX XXXX, # XXXX. 
15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-21
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)

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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXBalance : {$2900.00}
Consumer complaint received 2022-04-03
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: I.C. System, Inc. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

I have tried repeatedly to get all three major credit reporting agencies to comply with the Fair Credit Act when it comes to my credit report. They will not take old information off and when asked to investigate something it always comes back as verified. When I ask for the name and position of the person who verified it and how it was verified, I never get a response back. It is my understanding that this is a requirement of the law. I was going to take the problem to my US Senator but figured I would try here first. I can't remember exact dates, but it has been several times over the years and with all three agencies.
Consumer complaint received 2022-08-13
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. (TX)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8000.00}
Consumer complaint received 2022-08-04
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paypal Holdings, Inc (OR)

I had set up my paypal account with my XXXX XXXX as my preferred payment for any and everything I use pay pal for well i paid my monthly payment i didnt want a line of credit i just wanted a secure place to make payments to services. Well paypal took it upon themselves and tried to take {$.00} and {$4.00} out of my checking which was to have been thru my XXXX XXXX. They kept processing it and causing payments to my bills to bounce and racked up over {$500.00} of nsf fees and returned check fees. My bank closed my account but its still owed because paypal will not bill XXXX for services. I had contacted them twice before and so I used my moms secured checking to make again a monthly payment to XXXX XXXX which I didnt want that credit service. So this time for {$4.00} for XXXX XXXX which XXXX canceled and refunded the funds for the error and {$3.00} to be billed to my XXXX for XXXX. They didnt they used my moms secure checking funds of social security to cause {$85.00} once and {$85.00} again to be charged nsf fees. I sorted it all out with XXXX  but paypal refuses to refund the money they took out causing bounced checks and nsf fees for both me and my Moms account but then took out the {$3.00} and {$4.00} out of my XXXX XXXX. Seriously sad for {$.00} they screwed my bank account over.
Consumer complaint received 2022-10-20
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)

Brought in a motor for installation. The company installed it incorrectly. They kept the car another week after charging me, trying to fix the issue, and then suggested I take it to XXXX. XXXX had to take the engine apart to find out the original company installed it incorrectly. I ended up paying XXXX to finish the job correctly. By the time XXXX informed the engine was installed incorrectly, both companies had had the car over a week trying to analysis the problem. The original charge on the card was on XXXX. XXXX diagnosed the problem and fixed it XXXX and on that day I found out it was a mistake by the original company I filed the complaint. I had all the bills and reciepts for work and on a recorded line asked who to send them to. I was told they would contact me don't send anything then. Later I get a notice the dipute was declined because of my failure to provide these documents. Basically time is up on the dispute because they needed the documents they told me not to send. Currently I have paid to have my engine installed twice and can't afford it. The lady I spoke with today told me I waited too late and I asked her to look at the dispute... it the same day XXXX discovered the issue!!! and with lots of time within the guide lines if they had not told me not to send my reciepts and documents. Everything was reported well within the guide lines but Chase refused to accept my documents. Again it was all on a recorded line. The images I attached probably won't help much they are the second payment for engine installation and the bill that shows the engine was miswired by the original mechanic, which caused it not to work.