davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-08
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)

I noticed a lot of inaccurate information on my credit report a few months ago, so I created have been sending the three credit bureaus to dispute letters explaining to them that I was part of the Equifax data breach, and I have a lot of fraudulent information accounts on my credit report. XXXX, Equifax, and XXXX have been causing me much trouble and I HAVEN'T RECEIVED A RESPONSE on why they are reporting the fraudulent accounts. Can I please get help with this issue? I sent another letter to them on XX/XX/2021and they have ignored it completely. I know they got the dispute because I sent it certified. This has been causing me so much XXXX  and headaches, I have tried everything to get them to remove these accounts and I need your help. I want these accounts removed immediately.
Consumer complaint received 2021-10-08
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: SYNCHRONY FINANCIAL (IN)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-02-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (IN)

Optum Bank is the custodian of my HSA. I can not access online as required-the account remains locked after several days of active effort by phone. Five years ago also, but I gave up, not needing the funds. 

{$1800.00} is available but not the {$150000.00} in " investments ''. 

I am XXXX yrs old possibly in cognitive decline. I've not learned to use computer well. All I need is reasonable accommodation.
Consumer complaint received 2023-02-21
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. (AR)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Child Support SER Account # : XXXX XXXX Bank ( XX/XX/2020 ) Account # : XXXX XXXX Bank ( XX/XX/2020 ) Account # : XXXX XXXX Bank ( XX/XX/2020 ) Account # : XXXX XXXX XXXX Bank XXXX Account # : XXXX XXXX XXXX A Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Dept of Ed/XXXX  Account # : XXXX Tennessee Dept. of H Account # : XXXX US Department of ED Account # : XXXX has violated my rights as follows 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 which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber (CA)

I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX On XX/XX/2020. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 use 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill. On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX sent me a bill which is a violation of 15 USC 1692b. XXXX XXXX XXXX XXXX XXXX also sold my account over to GRANT & WEBER which are not attempting to collect this allege debt. Which is now reporting to my credit reports which are in violation of 15 USC 1692 ( d ) 1 and 15 USC 1681a ( 2 ) b, hurting my reputation by not excluding this from my my credit report.
Consumer complaint received 2022-08-07
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. (OH)

Disputed accounts on credit file That are not mine. Proof of ownership has not been verified. These accounts listed on file do not belong to me. I havent been given any proof of ownership
Consumer complaint received 2021-02-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (KY)

Received a letter from Nationwide Credit Inc, trying to collect an alleged debt. I have never heard of Nationwide Credit , Inc . I don't owe any alleged debt that they are trying to collect. In addition, their communication tactics are in flagrant violation of the Fair Debt Collection Practices Act, deceitful, hostile, and harassing.
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (MI)

I received an email from crypto.com on XX/XX/2021 stating that my account has been terminated due to a breach of the company 's Terms and Conditions. I asked for an explanation regarding what specific Terms and Conditions I breached in order to prevent myself from making the same mistake in the future, but was not provided an explanation. I also have a portfolio with assets on their exchange that consisted of XXXX XXXX, XXXX XXXX, XXXX RVN and XXXX VET. I asked for access to these assets, but have been denied access. I feel that I have been taken advantage of and have had my hard earned money stolen from me with no explanation or way to access my account.
Consumer complaint received 2021-03-04
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. (PA)

Pursuant 15 usc 1681 Equifax is liable for reporting accurate information on my consumer report. Equifax continued to give out incomplete and inaccurate information after I requested several times via certified mail to investigate and correct inaccuracies. 
It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.
Consumer complaint received 2021-03-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (NY)

I initiated a withdrawal of {$6400.00} XXXX on XX/XX/XXXX from XXXX and the funds have still not arrived in my bank account XXXX weeks later. They are unresponsive in addressing this matter.
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc. (KS)

XXXX XXXX sent me a debit card for an account that I did not open. When I asked them when this account was opened, they told me I had to tell them more personal information about myself which I declined. She closed the account. 

Same thing happened with XXXX.
Consumer complaint received 2021-03-04
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: ALLY FINANCIAL INC. (MS)

I received a copy of my credit report and found the following item ( s ) to be in error and unauthorized. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OR)

Hi my name is XXXX, i recieve dissability check from my deceased mother from chime, i have been with chime since XXXX would get paid early or on the date i was supposed to get my check it never showed up, now i may be getting evicted for non payment of rent cause of Chime, my money is missing and they will not give me any money at all and claims Social Security never paid me my check, i called SSA and they said they paid me even says so in my portal that they paid me and the money is not there, now i have to get a emergency check to not get kicked out at the SSA office, i will never ever go through a bank that is not FDIC insured, i am now at a physcial bank and still trying to fix this mess
Consumer complaint received 2021-11-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: RockLoans Holdings LLC (NJ)

On XX/XX/21, I was unlawfully discriminated and denied my RIGHT to extend credit pursuant to 15 USC 1691 ( a ) ( 3 ) as I in good faith I exercised my right as the original creditor.
Consumer complaint received 2021-02-10
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: Aargon Agency, Inc. (TN)

I have two problematic issues with my credit there are 2 inaccurate things on my credit. 

1. Aargon Agency shows on XXXX & XXXX that {$200.00} is owed. This is NOT my account. 
XXXX. XXXX XXXX shows on XXXX XXXX XXXX that {$480.00} this account goes away then pops back on to credit profile with a different account number.
Consumer complaint received 2022-06-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gatestone & Co. International Inc. (TX)

At XXXX central time on XX/XX/2022, Gatestone & Co International Inc of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX called me on my work cell phone. They number they used is XXXX and it is a spoofed number. This is a direct violation of my rights and my cease and desist letter sent to them on XX/XX/2022 where I stated expressly " you can contact me about this debt, but only in the way I say below. Don't contact me about this debt in other way, or at any other place or time. It is inconvenient for me to be contact except as a I authorize below. You can only contact me by mail at : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' Gatestone & Co International Inc. is in violation of my rights and the law and is acting as an abusive and harassing debt collector. As of this submission, they have not produced any documents asserting the debt is rightfully mine and they unable to produce any evidence of such.
Consumer complaint received 2021-07-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (SC)

I have been locked out of my account with Coinbase since XX/XX/23. Initially I reported to them that I thought my account had been compromised, however it was later concluded this was incorrect. Since then Coinbase has refused access back to my account despite providing them with all necessary documentation to prove Identity. I have reached out to them a few times a week since then to no avail ; just received generic auto responses with no help. It seems at this point theyre just planning to keep my money which is XXXX of dollars. This is unacceptable and they shouldnt be able to get away with it!
Consumer complaint received 2018-07-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (MO)

I have a complaint with us bank online money transferring services the problem started on Thursday when I tried to transfer XXXX dollars into my negative balance of my savings account when I tried to transfer the balance it gave me a error message stating you need 5 or more dollars to transfer but from experience on online banking with XXXX XXXX XXXX i never had this restriction when i transfer {$1.00} to {$4.00} dollars when my account is negative balance without using overdraft protection but when I opened my second bank account with us bank I told can i transfer money from my account just in case it gets negative without using overdraft protection and the rep said yes and i said okay sign me up but when I signed in to online banking my account was negative so I decided to transfer money from checking to savings in the amount of XXXX that was on Thursday and It told me i need 5 or more dollars to transfer I had this issue when i opened my account with us bank and i am still having this issue.
Consumer complaint received 2018-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I can't log in to navient. 
I enter all of my information to no avail. 
I've even used my SSN and birthdate as the website recommends only to get " we have no records of you '' Ive attempted to call a few times. I'm very late on these payments and they just keep offering a forbearance. 

I'm at my wits end.
Consumer complaint received 2021-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (CA)

I found out that MRSBPO LLC had opened a collections account via a credit monitoring service as derogatory mark against my account. The account was opened XX/XX/XXXX. 

Previously I had no notification, or contact with MRSBPO LLC. The original account was a XXXX account which had an additional month of service billed after cancelation of the account, which was disputed with XXXX. 

Originally it was attempted to be resolved directly with XXXX but they did not have enough length of record to determine why this additional month of service was owed. XXXX refused to drop the amount, even though I had record of all months of service paid in full up to the receipt and confirmed date of return of equipment. Which by direction of XXXX themselves, was to be specifically XX/XX/XXXX in order to NOT incur another month of payment. 

This debt was passed to collection. A company called XXXX XXXX XXXX opened a similar tactic account with out ever contacting me. This was submitted in a previous CFPB complaint ID : XXXX. 

XXXX XXXX was supposed to send me written debt verification, we sent some emails, confirmed mailing address, etc. Talked with them on the phone, they closed the account they had opened on my credit with OUT verifying debt. And then never sent me anything or called me back, etc. 

It appears they just passed the account on to MRSBPO LLC. Which some background research has lead me to find that they attempt to notify XXXX accounts by sending a MMS message image to phones. A tactic commonly utilized by scammers and is prone to being automatically filtered by anti-spam software on newer smartphones. 

Having never sent a written letter ( which a correct address would have been confirmed from the dealings with XXXX XXXX ) or a voicemail, phonecall, etc. 

When I called them to notify they had fraudulently opened my account with out ever making a meaningful attempt to notify or verify the debt they denied they had done anything such, and suggest I provide my attorneys number. 

I expressed to XXXX XXXX that I had a full record of my payments to XXXX from starting service, which XXXX themselves admitted they do not even have. Of which I payed in full ever month of service up to my physical return of the equipment. 

At this point the account is just being bounced from agency to agency and they are utilizing damage to credit score to bully a payment. 

Attached was the originally disputed account from XXXX XXXX, the last email correspondence and the new account as reported on credit monitoring services.
Consumer complaint received 2022-08-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

I was charged three times by XXXX a website I have never once visited, as well as nearly {$50.00} at a XXXX restaurant that we dont have within even an hour of our home. 

My cards had been lost during a move at the time the transactions took place, and Chime bank is refusing to credit the fraudulent transactions. 

XXXX XXXX ( Sunday, XX/XX/2022 ) {$3.00} {$3.00} {$4.00} XXXX ( Wednesday, XX/XX/2022 ) {$47.00}
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

To Whom it May Concern, On XXXX XXXX I made a purchase from XXXX using my Citibank debit card in the amount of {$1600.00}. I did not use XXXX. I was only supposed to spend {$1600.00}, but somehow I was double charged the same amount of money. Two transactions in the amount of {$1600.00} were deducted from my citibank checking account immediately and at the same exact time. I called ebay customer service right away and I also spoke with the seller. They assured me that there was only one transaction and purchase in the amount of {$1600.00} in their records. Then, I called citibank convinced that they would not have a problem reversing the duplicate transaction. In the past, any other bank would have done that with a duplicate transaction. Not citibank. I spoke to a supervisor who told me that most likely the double transaction would be voided within 3 days, but just in case he suggested to open a dispute. When I heard that the soonest I could see my money back in my bank account would be between XXXX to 120 days, I wanted to cry. I waited 3 days, but my money was not refunded. I called back citibank and demanded to speak to a manager. I was denied the courtesy to speak with a manager. I was transferred to a supervisor who told me in a recorded call that my money was set to be deposited in my account as soonest as XXXX that night or the latest first thing in the morning because citibank decided to reverse the duplicate transaction. I was pleased with the results until the next morning when I found out that no money was refunded to my bank account. I called citibank again and this time they asked me to disregard the phone call I made to a supervisor the night before. I kept asking the supervisor to play the recorded call from the night before, but he refused. Citibank is refusing to reverse the duplicate transaction in the amount of {$1600.00} and they are asking me to wait between XXXX to 120 days for them to complete their dispute. Citibank is keeping my money for XXXX to 120 days for a duplicate transaction that should have been reversed. They are keeping my money for their personal interest and use.
Consumer complaint received 2021-04-30
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 ()

PayPal has closed down my account and are holding my money and I can not withdraw my money from them. Ive been in contact with them via chat for several months and 3 times sent info of my identity and other documents they wanted. They have confirmed that they have recieved the documents but still wont open my account again. This was 1st of match. 
( Will include screenshot ) I keep getting automated chats that there is nothing they will do and that I have to wait. I called but they dont answer. I feel like I am beeing scammed of my balance of XXXXUSD. 

I have not been able to get help from them for months, therefore I am filling out this report. They should not treat customers like this. It is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2023-02-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I have already filled out the report on a previous report to this XXXX and it clicked me out that I did not want to be identified as filing the report. It was a mistake and I am XXXX XXXX and want this report to be tied to the previous report to this one. It happened in XXXX XXXX Texas with the XXXX XXXX XXXX XXXX transfer of money thru the Chase account and thought Chase was notified they would not stop the money within only hours of the original transfer of money. 
This report should be connected to the previous report I have already sent by hitting the incorrect key.