davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (TX)

Pay pal keeps sending me emails, about how i should read their disclosures. I have sent numerous compliants about this to the consumer financial protection bureau and pay pal has closed my account indefinitely, why are they sending me emails??? Why??? Why??? Please i neeed your hee heee heeelp.
Consumer complaint received 2021-07-04
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. (IL)

I have been trying to dispute the accuracy of XXXX XXXX on my reports. I sent a letter advising information is not accurate. All 3 bureaus updated my reports with still inaccurate information. I have asked for method of verifications and got nothing. Now the account is reporting late for the last year. How is that possible and the account has been charged off since XXXX There are late payments from this year and the balance is going up and down. They are violating the FCRA and damaging my credit with incorrect and false information.
Consumer complaint received 2021-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (FL)

Affirm Inc at XXXX XXXX XXXX FL XXXX XXXX XXXX CA, XXXX has been sending me collection notices in the amount of {$100.00} and {$150.00} the collections have been reported as past due balances. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-02-14
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. (GA)

I am a victim of identity theft. I've contacted Equifax about the theft. I included a theft report, a dispute letter, driver 's license, social security card and power bill. It has been over 30 days and they have not returned a response nor have they removed the items off of my credit report.
Consumer complaint received 2021-03-23
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 closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. 

My email linked to my PayPal is " XXXX '' Thanks.
Consumer complaint received 2021-02-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (DE)

I get my 3 credit reports delivered to me daily because ongoing fraud and theft that still persist on my SSDI money, the actual transfer from the Dept. of the Treasury and the XXXX XXXX ( XXXX XXXX  ) that administers the system is being hacked. Last summer a total of about {$6000.00} dollars was stolen. Besides this ALL Three credit bureaus have not increased my scores that range in the upper XXXX an will never let them go above that amount al least to XXXX so that I can get an FHA loan to buy a house. I am a first time, XXXX, elderly buyer and I deserve my own home rather than getting ripped off by 4 landlords since my accident by misrepresenting themselves as HUD-LITEK program properties. I am currently dealing with the OIG in Washington regarding the present landlord. That is only one slice of the pie. 

The problem is with the 3 credit bureaus and their writing in XXXX after getting a pre-approved mortgage from Quicken for {$170000.00}, 3 REAL credit cards that if I owed {$100.00} I paid {$140.00}, and even belter, then wack me for overutilization only because I was refilling my living space which I lost when all my things from underwear to kitchenware was auctioned off because I had a landlord in Rhode Island who just after my disabling accident in XXXX me telling me to freeze my reports because of evidence of Fraud and theft and there was, but each one will NOT deal with me always claiming that they can not access my reports based upon the information I give them. Hoop after Hurdle after Hoop .... 
The total amount of unsecured debt is less than {$2000.00} and has been that way since I cleaned them up myself by calling each of the creditors and explained how my scores plungedged after a n accident in XXXX rendering me XXXX marked the debt satisfied but it was still on as derogatory., This has been over a year now that with {$2000.00} debt, my scores will noit go up. Mainly because I show no active loans, WHO IS GOING TO LOAN ME MONEY WITH THIOSE SCORES? I had one landlord that caused me to get evicted because he went from 30 % of my SSDI to Market value in ONE YEAR. I lost my XXXX Mortgage, the credit cards were destroyed by me so I would not depend on them to live on ..I lost all that I built up all because of yet another landlord in Rhode Island who deceived me. Everything fell like pulling out the middle card in a house of cards ... I am absolutely helpless in this situation to fight back
Consumer complaint received 2021-02-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Remex, Inc. (NJ)

On XX/XX/XXXX, I received a court summons from XXXX  XXXX under attorney XXXX XXXX XXXX to appear to court for claims owed of {$2200.00}. XXXX XXXX that provides XXXX equipment such as XXXX and XXXX XXXX to various hospitals including XXXX XXXX XXXX XXXX Hospital that I was admitted to in my car accident of XX/XX/XXXX. This company XXXX  XXXX attempts to collect money from a poor individual is unconstitutional as I have applied for financial assistance programs that have been in the process of relieving any remainder debt owed at the XXXX Hospital. I urge people to follow up with any XXXX XXXX XXXX service provided at any nj hospital as XXXX XXXX aims to strangle patients that will have them end up back in the same hospital bed.
Consumer complaint received 2020-04-23
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity IQ to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

ACCEPTANCE NOW XXXX {$5600.00}
Consumer complaint received 2016-12-06
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Skopos Financial, LLC (MO)

I reported my car stolen on XX/XX/2016 with the XXXX Police Department. When I called Skopos to let them know my car was stolen they said they repossessed it. When I asked why I was told I was 3 months behind - XX/XX/2016. When I faxed proof of payment and called back the next day I got XXXX the manager. She said she the gal I spoke to before told me incorrectly and I was 3 months behind. When I asked which 3 months, XXXX said she did n't know. I told her I reported it stolen with XXXX Police, and my insurance company and she said - you have insurance? I asked if I could get my personal items from the car and she would not tell me where I could get my personal items - coat, cds, or other items from my car. When the XXXX Police ran my information my car has never been reported as repo. Today I received a letter stating my car would be sold after XX/XX/2016. I have never received any type of payment coupons or notices from Skopos so I would still send in my payments. XXXX kept stating that I filed bankruptcy and that 's how my car was 3 months behind. I told her I filed bankruptcy over 2 years ago and asked why was n't I notified or why it was taken then. No response. I have an attorney that has been trying to contact them and will not return her calls. I have filed complaints with the XXXX Attorney General, XXXX Attorney General and XXXX. XXXX said they will contact the company but I have not received a response. NEVER get a loan from Skopos.
Consumer complaint received 2015-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Improper reporting of a XXXX XXXX XXXX account and the sum owed fo an account which I never opened. Challenged this information and also requested proof of service since I do not have the authority to put any service at this residence. 

Also whereas the account held by the XXXX XXXX is concerned I applied and receiveda Forbearance on my account. Therefore the reporting as late payments is incorrect.. Looking forward to an amicable settlement, XXXX XXXX
Consumer complaint received 2016-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc (AZ)

I paid my debt on XX/XX/XXXX yet hunter Warfield continues to call multiple times a day every day. I 've told the man on the phone multiple times to stop calling that the debt is paid and he will not.
Consumer complaint received 2021-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (CT)

FEDLOAN SERVICING from XX/XX/XXXX ACCOUNT # TO WHOM IT MAY CONCERN, This letter is a second formal complaint. I am in disagreement with the items listed above that still appear on my credit report, even after your investigation from XX/XX/XXXX. 
I would like these items immediately re-investigated and deleted. 

I would like this account deleted and removed from my credit report. Included are documents from department of correction, stating that I was incarcerated when this account was opened in XX/XX/XXXX. I did not receive funds or able to receive student loan benefits because I was in jail the date this account was open. 

Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your investigation and corrections. I request the item be verified manually and provided PROOF of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. Also please provide the name, address, and telephone number of each credit grantor or other subscriber. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Lastly to help resolve the issue I will be filing complaints and forwarding this letter to the FTC, CFPB, and FEDLOAN SERVICING.
Consumer complaint received 2021-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

On XX/XX/2021, I opened a coin base wallet, submitted my ID and had an email saying that my ID has been verified and I am ready to invest. 
On XX/XX/XXXX XXXX, I put around {$400.00} worth of bitcoin, every one was fine, could access my wallet. 
On XX/XX/XXXX XXXX, I had an email saying that my account was restricted as I was under XXXX, which is false as my ID clearly shows I am XXXX. I was also told to verify my ID. Which I did the same day but they " could not verify my ID '' ( a driving licence ). 
I contacted support on XX/XX/2021 XXXX # XXXX XXXX. I only had an automated reply. 
Meanwhile, I have tried to resubmit my driving licence again. I them again on XX/XX/XXXX, XXXX Again automated reply. 
I contacted them again on XX/XX/2021 ( # XXXX ), I had an automated reply as an answer. This was a formal complaint which should have been sorted in 15days according to the automated email. 
I resubmitted my ID on XX/XX/2021, I had an automated reply " Unable to verify your identity '' I tried again the same day : same thing. 
I tried again no XX/XX/2021, " unable to verify your identity ''. I tried 3 times the same day. Nothing. I tried 3 ties that day. " unable to verify your ID '' I tried again on XX/XX/2021, I had a confirmation that the verification is still in progress " your ID requires additionnal verification. We will email you once verification has been completed. '' My question, why has my ID been accepted and allowed to send funds, once sent, I was told that it is unverified and my account has been locked. I saw on XXXX  that a lot of people have had the same issue. I am begging you to do something about it please.I contacted XXXX who asked me to contact you ( ref # XXXX ) kind regards
Consumer complaint received 2021-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (GA)

{$430.00} balance i have paid this bill way over a year ago collection company that have it is AFNI Afni, Inc. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Original creditor XXXX ( XXXX ) XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX.
Consumer complaint received 2021-02-14
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: DISCOVER BANK (CA)

I made an XXXX purchase on XX/XX/20 for Order XXXX for {$310.00}. I returned the item for full refund on XX/XX/20 and it was confirmed delivered by XXXX on XX/XX/20. XXXX never refunded me and wasn't cooperative so I filed a chargeback dispute with Discover Bank to get my money back. Discover is inept and refusing to properly handle the dispute and get my refund. I'v submitted a wealth of proof that the order was returned and that XXXX has failed to refund me. Discover is automatically siding with XXXX and refusing to issue my credit as permanent.
Consumer complaint received 2021-02-13
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. (PA)

I have unauthorized accounts & inquiries on my report and would like it to be removed. According to the FCRA any inaccurate items on my Credit report that is not 100 % verifiable or accurate must be removed!
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In Acoordance with the fair credit reporting, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX  XXXX, Account Number XXXX beggining number last part is unknown since its a collection account, XXXX XXXX XXXX, the XXXX  XXXX, Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX 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 an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any 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 USC 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 2021-02-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ECMC GROUP, INC. (TN)

ECMC, has been making my student loan amounts increase, and I can not understand why, with the moratorium that is good thru XX/XX/2021. Also, I am being harrassed with numerous calls a day, and threatening voicemails. I understand there is scams out there. I can not fathom how, my balances are going up up up ... at this time. I am XXXX, in XXXX  so I would usually have a small payment plan. I tried to reach out to figure out, what is going on. There are federal protections in place, and I just need help all the way around. I have severe XXXX, and this is not cool!
Consumer complaint received 2021-02-15
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. (FL)

Just a few days ago I checked my report and I found the accounts and inquiries that are not kind of mine. I do not know them and their origins. How that possible in general that I have somebody else information in my credit report? I would like you to pay attention and check it as I was shocked to see such a terrible picture in my profile. I read about it and I realized that I am just victim of identity theft otherwise I can not understand why I have it. I can not recognize none of them. I kindly ask you to investigate because life is difficult now and I can not make my financial planning anymore and I want you to apply some extra control. Please help me and remove it
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a balance on my account. I paid it off in full.Twice in one month. I ran my card up XXXX, paid it off. ran it up again XXXX, paid it off. However, I still got interest. Now, the statement says, if paid off before the due date no interest accrued. However, I still received an interest charge.
Consumer complaint received 2021-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RESMAC, INC. (MA)

My mortgage was purchased bt RESMAC from XXXX XXXX on XXXX. I was given notification at the end of XXXX, XXXX  by XXXX XXXX. I made my XXXX mortgage payment electronically to XXXX on XX/XX/XXXX as I had not received any documents from RESMAC. 
I spoke to XXXX XXXX, teh owner of RESMAC on XX/XX/XXXX on his personal cellphone and told him of my paymanet and informed him that I had not received any documents from RESMAC including where to pay, how to pay electronically, verification of current balance, escrow amount. He stated not to worry that he would take care of it. He also stated not to worry " I won't charge you a late fee ''. I stated " please don't insult my intelligence, you can not charge one nor report to the credit bureas for 60 days by law ''. I told hime that I wanted to pay on time and i was concerned about the competency of RESMAC to make this happen and maintain my XXXX credit score. 
I went on the RESMAC website that states " one-time ACH payment for new loans ''. It asks for a RESMAC loan number which I did not have. 
I spoke with XXXX XXXX again on his personal cell phone on Monday XXXX and told him that i could not pay online as I did not have a loan number. I also stated that I still did not have any loan docs with amounts on them. He told me that he would have this corrected by the end of the day and would send me an email. I did not receive an email and all of my calls, texts and email to his specific email address on Tuesday, XXXX went unanswered. This was the same issue on Friday, XXXX. I am attacing several email and text threads supporting this as well as his statement saying this loan is unique and he is having issues with it in his system. Not my issue but my credit. I spoke with someone named XXXX on Friday, XXXX at approximately XXXX. She could not find my loan in the RESMAC system. I told her to call XXXX XXXX immediately. She did and called me back. She stated that my loan was'nt in the system properly so there is not visibility to it. She had told me the loan was due in XXXX. I had told her that I was current with the prior servicing company through XXXX and have NEVER been late. She stated that I was not due until XXXX. I told her that this was incorrect. I told her that I would pay by check over the phone agains my better judgement and deal with any tranferring balance issues later. She said ok. I asked her what my principle balance was and she said that she did not know. She asked for my routing # and I asked her how much the check was going to be for and she stated an amount that was SIGNIFICANTLY less than the note stipulated. I told her that and she said " OK, I will take that amount '' ''. I said, without you knowing a breakdown of my escrows this is just going to go to additional priciple balance ''. I stopped the process and still have not made XXXX 's payment.
Consumer complaint received 2021-02-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Chime Financial Inc (GA)

I have the XXXX XXXX XXXX  and I was told from that app they sent my {$20.00} advance and my Chime app spending account was the recipient of that. Now I have never received that advance and im waiting but I haven't been able to confirm anything with XXXX XXXX or Chime. My XXXX XXXX XXXX  has a double request for the {$20.00} advance and I only wanted the one.