davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (NC)

This is an EMERGENCY dispute.This needs to be reviewed by a human, and a supervisor immediately..This is a new dispute that will also touch on other violations that is in need of immediate viewing by the staff at XXXXThis is not a duplicate dispute as claimed by the collection agency XXXX XXXX XXXX XXXX do to their immediate actions today to conceal this dispute against them recently in a manner that is profoundly concerning and I feel others may becoming a victim or have been to this behavior and other actions by them -. I chose the closest descriptors to this complaint as the cfpb does not have an option for me to chose coercion against me in a personalized letter to me which is a direct violation of the rules, regulations, laws, ethics and federal agencies as a part here of, have pledged to do after creditors or collection agencies or furnisher that uses any form of communication including, and specifically addressing coercion as one of the most serious violations that a collector could engage and willfully cast upon anyone that has a collection with the so called collectors Company Furthermore, today The same company, XXXX XXXX XXXX, witted themselves in a clever process of spamming replies to CFPB and apparently tagging all responses as duplicates to other complaints that they fell short of, did not resolve, and has not provided one satisfactory resolve to the amount of disputes filed against them - it seems to me that XXXX XXXX XXXX have cleverly learned how to manipulate this dispute process with CFPB as they have for years with the credit bureaus and I have proof that they have perjured themselves many times by supposedly validating the two medical bills in question on my report for years with all three of the major Credit bureaus, according to their many responses to me, but they admittedly told you in a previous complaint that they did not have ang validation documents and they would get in touch with their client the original client and have them send me that informationand guess what- they didnt, but they did send me a letter with content that was wrong, threatening by coercion withs regards to me filing disputes which by the way were all ethical and permitted by law, and now we are bringing to your attention their act of misuse of this CFPB And mountains of proof, I am filing this with CFPB and if the FTC and if this is not addressed immediately I am reporting them to the FBI for the many many issues and their reporting of - to my credit account. I have been more then lenient but the behavior of that company is appealing and is making a mockery out of this entire system and violating my civil rights along the way with no remorse or contribution to the ongoing damages upon me.
Consumer complaint received 2018-05-13
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. (CT)

XXXX ( mortgage servicer ) is falsely listing me as a debtor on a mortgage, however I was never on the mortgage. I believe this is illegal activity on the part of the XXXX mortgage service company as part of the subprime lending crisis. My name was on the Warranty Deed only, never on the mortgage. XXXX has fraudulently reported to credit agencies that I am in default even though the debt/mortgage is not and has never been in my name. 

My credit rating has been severely and negatively impacted as a result of XXXX 's falsification, which is a very serious matter. My credit rating was previously Very Good-Excellent before XXXX 's false report. 

The service company name and address : XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX tel : XXXX
Consumer complaint received 2022-04-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 a account without my written instructions. 
I have not authorized anyone in writing.
Consumer complaint received 2022-04-11
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. (WI)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX, # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX DEPT OF ED/XXXX, # XXXX US DEPT .OF EDUCATIO, # XXXX DPT EDXXXX, # 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 a account without my written instructions
Consumer complaint received 2022-11-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hillcrest Davidson & Associates (MD)

An agreement was signed with XXXX security to provide equipment and service. This was a cross-sale from setting up XXXX XXXX XXXX when moving to a new location. Due to XXXX not sending the equipment to the correct address, not providing follow up about the equipment or service until after their XXXX money back guarantee expired, and proceeding to bill for a service that was never activated is deceptive and unacceptable. After the lapse of XXXX plus days, I initiated the communication to Alder to determine why I was being billed for equipment and service that I never received nor activated. At that time, I explained that I no longer needed the service because I had to acquire a different provider since Alder failed to provide agreed equipment and services in a timely manner. How can XXXX generate a bill for a service that was not provided? I have reached out to Alder directly, I have reached out to the XXXX XXXX XXXX collector XXXX XXXX XXXX XXXX directly, and they state that I owe {$2100.00}. I attempted to dispute this debt with XXXX as well as filed a complain with the Better Business Bureau. I request to ensure that this contract is terminated, and that I not be held liable for this amount of {$2100.00}. I have attempted to terminate this contract on several occasions due to non performance on XXXX end and the only remedy that they provide is to send me new equipment at no cost to me. I do not want this service, I have never used this service, and I want this debt removed from my credit report immediately.
Consumer complaint received 2022-04-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

I filed for XXXX XXXX and it was discharged in 2021 and the car was stolen on XX/XX/2021 .This company was ordered by a federal judge that this debt was discharged and a reaffirmation agreement was disapproved, copy attached.

Please Help
Consumer complaint received 2022-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

For the last 36 months I have had a blank credit file it does not show my name or my account closed or otherwise and it automatically says they can not give me a score ( obviously since it doesnt show I exist. I have written them called several times spoken with supervisors as recent as today and still no resolution Both XXXX and Transunion however does not give me access to any online account info at all nor do they respond to my calls or allow me to input my personal info to get a live person or respond to my letters
Consumer complaint received 2021-06-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (MD)

Coinbase is the company Im having an issue with. My ticket number for the complaint with coinbase support is XXXX. 
They have locked me out of my account, in which I have {$32000.00} since XX/XX/XXXX at XXXXXXXX XXXX when their system experienced a crash. They have no phone support and I have contacted email and XXXX support multiples times. Each time, I get the same messages from what appears to be a bot or someone sending templates. These emails tell me to do things that dont work and never lead to resolution. They send the same responses over and over. I have not experienced any fraud, of which I informed them. There is no reason why I should not be able to access my money. To this day no real human has contacted me or reached out to me. I tried to file a formal complaint snd they punted me back to support. They are holding my money hostage and there is no way to get in touch with any human being. 
Please help me.
Consumer complaint received 2018-05-13
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. (NY)

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX XXXX opened XX/XX/XXXX closed XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX GEORGE WASHINGTON UNIVERSITY ) XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-08-23
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. (CA)

I am submitting this CFPB complaint addressed the XXXX XXXX XXXX to request the complete removal of the fraudulent information frommy Credit report. I have been sending countless letters requesting that the XXXX XXXX remove the fraudulent items from my Credit Report and yet they have done nothing. Under rthe FCRA section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. And provide copies of documents to serve as proof of verification wo support the Credit Bureaus claims that the items beling under my name. But despite all the lettets I have sent, the Credit Bureaus have not done nay of the actions. I am now submitting this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting without sending me copies of documents as proof of verification, please understand I will initiate legal action. I need the folowing items deleted as soon as possible : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$1000.00}
Consumer complaint received 2020-04-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

RE : Capital One Bank I sent two letters to Capital One asking that 4 accounts be closed, 2 checking and 2 savings. The last such letter was directed to the CEO ( attached ) and dated XX/XX/2020. To date, the accounts are still open. 

The accounts are at a XXXX balance. I tried calling the XXXX number and it takes to long to get through to a live operator, there is no option to close or send request through their web site.
Consumer complaint received 2022-04-10
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)

In XXXX, XXXX my wife and I submitted a claim against Chase Credit Cards in the amount of {$10000.00}. ( {$7300.00} on my Chase Freedom Visa and {$3000.00} on my wife 's Chase British Airways VISA ). We are both senior citizens on fixed income. These 3 charges were all related to a XXXX XXXX XXXX  who fraudulently charged us a total of {$17000.00} on 3 credit cards XXXX XXXX XXXX  XXXX XXXX ( mine ), Chase Freedom Visa ( mine ) and Chase British Airways Visa. ( My wife 's ). They opened 2 credit cards in my name- Chase Freedom, and XXXX XXXX XXXXXXXX XXXX. In XXXX, XXXX, XXXX XXXX XXXX agreed that it was fraud and refunded us {$7300.00}. Chase refused, because they said that the documents were in order and there was " no billing error ''. I spoke to XXXX at Chase Executive Office in XXXX, Ohio that I would be refiling in XXXX of XXXX for fraud at the end of the contract. 

Just today I learned that the company involved, Consumer Law Protection Group of XXXX, MO, and the owner-Manager XXXX XXXX had been indicted on XX/XX/XXXX for 3 counts of bank fraud and 6 counts of money laundering by a Grand Jury, according to the US Attorney 's Officefor the XXXX XXXX XXXX Missouri as a result of {$2.00} XXXX fraudulent PPP loan scam. It also turns out that he and his business partner, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Between XXXX XXXX and XXXX XXXX and their wives, they own XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 
Both companies have registered numerous complaints from the XXXX XXXX XXXX  and consumers have been bilked of many thousands of dollars. 
My previous complaints were XXXX and my wife was XXXX.
Consumer complaint received 2018-05-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Home Loan Center, Inc. (CA)

I went XXXX XXXX and finished with an XXXX and XXXX. I became severely I'll with a XXXX XXXX causing XXXX  XXXX. I took a private loan from XXXX as a last resort to pay for my final semester as the Federal loans were denied. XXXX XXXX XXXX XXXX ended up closing my bank account with my social security and SSI / XXXX payments and my bank account is shut down I have no access to my bank account and am occuring {$34.00} overdraft fees everyday and don't have money to pay it off. I have been paying student loans and made a large payment of {$1000.00} two-three months before account was shut down and {$150.00} a month on Federal loans since then. I wasn't served properly and never knew there was a lawsuit against me. XXXX XXXX XXXX the attorney filed suit in southern California when I live in northern California. I've lost XXXX XXXX from stress grinding them at night as I cracked the roots. I have had to secure counsel to help with this issue.
Consumer complaint received 2022-04-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: KAHRS LAW OFFICES, PA (NC)

Good afternoon, Kahr 's Law Firm garnished my paycheck despite me disputing this loan. I informed them that I was not aware of the loan. The were not able to provide me anything with my signature just something that was filled out online which anyone could have completed. I was not notified of this debt by the original creditor. I was told that I supposedly took the loan out in XXXX and the garnishment did not happen unlit XXXX 2 years later. Please check into this as I feel that this was a true violation of my consumer rights.
Consumer complaint received 2022-04-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I have tried to get insurance on my home with Well Fargo Bank for two years and was unable to continue with the insurance companies that I had insurance with for 7 years, which was XXXX XXXX and XXXX XXXX They insured me for about two or three months and once the bank send them the funds out of my escrow account and send the rest back to me. I let the bank knew what happen and they told me they will charge me XXXX a year if they would have to insure it, so I looked and every one told me they could not insure me because the roof was over a certain age it is a risk. I just received a insurance policy from XXXX insurance for XXXX last week. Wells Fargo send me a bill last month for XXXX for my mortgage. My mortgage payment was XXXX until they changed it to XXXX then when I called to tell them I can't afford than and they changed it to XXXX which is illegal the way they did it for last year and this year for XXXX which left me with a balance for XXXX plus. I did not get any proof of insurance from them! seems like this is not truth in lending, this is fraud!
Consumer complaint received 2021-06-05
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 ()

I was about to withdraw my money in PayPal and my request got rejected, 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 days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (OH)

On XXXX the XXXX I received a letter from XXXX XXXX XXXX XXXX. The letter stated I owed XXXX as of XX/XX/2022 and the creditor is PayPal Inc. I do not have a PayPal account and never have had one. It references account number XXXX. This is a fraudulent attempt to collect money. I looked on line and it appears this company is doing this to multiple people. My concern is if everyone knows about this, why is our government protection agencies not doing anything about them? 

Please help.
Consumer complaint received 2022-04-10
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. (SC)

In accordance with the Fair Credit Reporting XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, and 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 a account without my written instructions.
Consumer complaint received 2018-05-13
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. (VA)

All 3 credit bureaus are reporting unauthorized credit inquiries which I have attempted to dispute online with no results. Upon noticing the unauthorized inquiries, I immediately placed a temporary fraud alert on all reports. I would like these false inquiries removed from all 3 reports. 

XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX EQ : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2021-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/21 around XXXX XXXX, I used the atm on XXXX XXXX at the Chase branch located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I was depositing 2 checks, both from XXXX XXXX, in the amounts of ~ {$450.00} and another ~ {$11000.00}, I dont have the exact figures on hand. The branch is closed and have attempted to call Chase. I spoke to one representative who was unable to assist and transferred me to another queue and they dropped the call. I have a left a voicemail for the branch as well but no resolution or steps to resolve this issue has been offered yet. I dont know whats happening and trying to call Chase requires an hour wait.
Consumer complaint received 2022-10-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (CT)

Good evening, I contacted Sallie Mae XX/XX/2022 to request for a loan modification that Sallie Mae suggested that I take as I had just lost my job. They said they could not help me because I was NOT in a financial hardship yet and to try calling back in a month. As I have been trying to contact Sallie Mae for the last 3 days which are XXXX XXXX, XXXX, XXXX around XXXX each day, I'm getting a recording indicating to call back between normal business hours between XXXX & XXXX XXXX  Eastern standard time. I live in Connecticut and was calling hours before they closed. I need to get in touch with them as every day that goes by my credit report is taking a hit. 
Thank you for your time and attention in this matter.