davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Consumer complaint received 2021-01-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (NY)

My English is very poor. I ask for your broad understanding. 

Transaction Date : XX/XX/2021 Time : XXXX XXXX  Transaction Amount : {$2000.00} USD = XXXX XXXX Nowadays, it is possible to buy cryptocurrency on XXX crypto exchange, After hearing the news, Many people trading through XXX crypto exchange and so do I. However, Exchange rate of XXX crypto exchange is not fair and unfavorable to users. In particular, the market price of Bitcoin has fluctuated significantly over the past two days, XXX crypto exchange is trading at a significantly higher exchange rate than the real-time market price. 
It happened when I bought bitcoin. 
I bought bitcoin when the price of bitcoin fell down to {$39000.00} exchange wanted to reduce the damage, delay about X seconds when I placed my buy order. And settled my buy order at {$40.00}. The exchange rate is about {$1000.00} higher than real-time rate. Currently, all exchanges comply with the principle of trading at a real-time rate. By the way, it is unfair to vote at an exchange rate as high as {$1000.00} because the market price fluctuates significantly. In this case of my transaction, XXX expected the exchange rate to rise, so settled my buy at a {$1000.00} higher rate, but the exchange rate fell by more than {$1000.00}. In the end, I ( user ) suffer an exchange rate loss of {$2000.00} and the trade begins. So, I sent emails and disputed several times that I wished that the transaction would be fair in real time, but all are denied. And the reason is [ This decision was made because your billing dispute doesn't match our qualification for a billing dispute ] and [ Explanation of whether the price difference is related to increased tip amount, shipping charges, taxes, etc. ] it is possible to reply when XXX had no crypto service. 
Probably, all users have the same complaint, so if they dispute, then theycontinue to be denied for the same reason. Eventually they end up giving up. XXX appears to be exploiting it. 
With the image of a reliable XXX, XX is stealing from users who do not know much about cryptocurrency trades in this form of transactions that can not be seen on other exchanges. 
As far as I know, this unfair trading method is a violation of antitrust law. 
I leave this note with the hope that it will be a fair trade ....
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Sold my vehicle to XXXX, XXXX deposited a check to my checking account JP MORGAN CHASE BANK on XX/XX/2022 the teller informed me after depositing the check that this check is on hold until XX/XX/2022. I received an email the night of XX/XX/2022 with a letter dated XX/XX/2022 stating I can not use my account and they will be closing it soon. I called immediately was placed on hold for several hours got hung up on and never called back. Once I called requested my account be looked into they said they are reviewing it and i cant do anything about it I would just need to wait it out. I looked at my account on the XXXX and seen my check was in my account then on the XXXX I received a notice my account was closed. I called XXXX and spoke to the accounting department and they informed me that the check cleared from their bank on the XXXX when I first deposited the check. We allegedly got it resolved on Friday XX/XX/XXXX, the woman on the phone informed me my account was approved by a supervisor and give them 1 business day for it to show back up I checked on Monday XX/XX/XXXX still wasnt back active gave it another day Tuesday XX/XX/XXXX still wasnt active so I called Chase again got transferred twice the woman he said was a supervisor and can help me out told me she wasnt a supervisor and couldnt do anything about it but she seen my account was requested to be re opened and no response per their inside notes. It is now XXXX on XX/XX/2022 still waiting for an answer on my account. This has caused all my automatic payment to be returned my work check to be returned and now my bills are past due with late fees and for my payment being returned witch is affecting my credit.
Consumer complaint received 2021-09-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I received a letter from XXXX  XXXX dated XX/XX/2020 stating that my credit card account with a balance of {$470.00} was acquired by Portfolio Recovery Associates LLC on or about XX/XX/2020. 

I received a letter from Portfolio Recovery Associates LLC dated XX/XX/2020 stating that they purchased my account on XX/XX/2020. 

This is a violation of 15 USC1692 ( g ) ( a )
Consumer complaint received 2022-10-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (GA)

M & T and XXXX XXXX are attempting to foreclose ob my home with fraudulent robo signed assignments. m & T refused to respond to my QWR, dispute and the debt validation. I request a loan modification i mailed in the documents and a week later i received a notice of foreclosure .This clearly dual tracking. I only owe {$100000.00} on my loan and my house is valued at XXXX. the are attempting to foreclose on my for less than {$7000.00}
Consumer complaint received 2021-09-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I AM XXXX XXXX AND I'M SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT IS NOT TO VALIDATE THESE ACCOUNTS, BUT TO ENSURE THAT THE ACCOUNTS ARE REMOVED FROM MY CONSUMER REPORT PERMANENTLY DUE TO VIOLATIONS OF MY CONSUMER RIGHTS. I AM A CONSUMER AS IDENTIFIED IN fdcpa 15 USC 1692A ( 3 ) AND I HAVE A RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ).
Consumer complaint received 2021-01-16
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Paypal Holdings, Inc ()

Hi I have account with paypal, also I have XXXX usd in my account And in previous XX/XX/2020 They limited my account and take all money and sent me message that I can withdraw after 180 days, but nothing happened till now and they don't responds to email Also my balance became XXXX Only have this message in my account {$10000.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 


Can u help me to get my money My email : XXXX XXXX
Consumer complaint received 2021-01-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MN)

We have 2 accounts with Coinbase, one is under my wife 's name ( With email address : XXXX ) and other is under my name ( With email address : XXXX ), also we had registered both accounts with the same phone number as XXXX. As we plan a trip to our motherland, so we had to change the phone number to access our account when we are out of the U.S, but after changing the phone number on the account with email address XXXX, Coinbase disabled both our accounts, and has blocked my asset and says " Sorry, account temporarily disabled. Please contact support. '' and stated we are not resident of the U.S while it's not correct and we are lawful permanent resident of the U.S, they also have our government ID, address and SSN, I also asked them I can resend or provide them with any other documentation that prove we are resident of the U.S, but they never responded to me. I have also tried to call their costumer service, but their call center doesn't accept calls, also I sent them several messages through their website but they never reply me. I also have attached my driver 's license, green card, last bank statement and last utility bill for your reference.
Consumer complaint received 2022-03-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION (SC)

I have sent a Conditional Acceptance Letter on XX/XX/22 certified mail and they received the letter on XXXX/XXXX/22. I have not heard anything back thus far in regards to providing me with the information I have asked for in the letter.
Consumer complaint received 2021-09-07
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 (MI)

On XX/XX/XXXX I filed a dispute with Discover Card regarding a transaction for XXXX dollars - the Merchant had fraudulently/incorrectly shipped a product and had mentioned that I should simply decline the shipment and they would refund the monies. This was on XX/XX/XXXX. 

After declining the shipment when the merchant refused to refund the monies I filed the dispute. Dispute # XXXX. 

On XX/XX/XXXX Discover sent me the following message " A decision has been reached for this investigation and we have found that this transaction is valid. You can expect to receive information on this decision to be sent to you via mail or secure message at Discover.com. Please review this information when it arrives for important details summarizing this dispute inquiry. Please notify us as soon as possible if you wish to continue this dispute. '' When I contacted them on why the charge was valid since I had shown proof that the vendor had already recieved the product back and was refusing to refund the monies - discover mentioned that they closed the case prior to me sending them additional information ( I had sent them the proof immediately on receiving it from XXXX ) so now there was nothing they could do. 

They suggested I email them the communication from the vendor showing additional proof which I did on XX/XX/XXXX. Even after this Discover contends that the information is insufficient and refuse to explain why they will not refund the monies when they have the proof that the vendor has the shipment and I still do not have a refund.
Consumer complaint received 2022-10-14
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. (NY)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violate my rights. 
15 USC 1681 section602 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 a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-29
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 disputing 2 accounts from XXXX XXXX in the amount of {$620.00} and another account with the amount of {$460.00} over and over again because they are reporting false information all over the place.There are inaccuracies all over the place and I have dispute it several times and the account always comes back as verified well this last time I disputed I record over 15 yes over 15 letters from the creditor stating they did NOT know what I was disputing but they got my request to dispute information on the accounts. But XXXX  and XXXX  and equifax always updates results saying the accounts were verified and accurate?? Whos the lier here. That makes no sense XXXX .XXXX, equifax doesnt even investigate disputes! Im tired of getting the run around over and over the place i have even sent in documents. Uploaded them online showing proof that. Collections agency has my account I get debt letters sent to me. This is not fair name being the consumer and they report false information on my credit report.
Consumer complaint received 2022-10-13
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. (OH)

I am sending this complaint to inform you that I was a victim of Identity Theft. I have recently checked my credit report and I noticed some personal information that does not belong to me. I am in need of your help in getting rid of these items from reporting on my file. Per FCRA section 605b, the credit bureau deletes any ITEMS listed in an identity theft report. I have included some documents to help in the blocking of the fraudulent items that are found on my report. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX ; XXXX  XXXX XXXX ; XXXX Date of inquiry XX/XX/2021 ; XXXX XX/XX/2021
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am a victim of Fraud and I am trying to protecting my credit file as much as I can. I have found several ACCOUNTS on my credit report that do not belong to me. I was in the process of buying a car when it was brought to my attention. 
The following accounts are not mine I cant find any contracts for business with any of these companies : XXXX XXXX XXXX XXXX # XXXX****, XXXX   XXXX  XXXX  # XXXX****, XXXX  XXXX XXXX XXXX XXXX****, XXXX   XXXX XXXX XXXX XXXX**** , XXXX  XXXX XXXX # XXXX**** , XXXX # XXXX****, XXXX XXXX XXXX****. I have requested legal paperwork from the above companies without any response so now I am filing a police report and I will follow up with a report to the FTC.
Consumer complaint received 2019-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TCF NATIONAL BANK (NC)

Ive had a car loan with XXXX XXXX XXXX XXXX XXXX for almost 3yrs. The amount of my loan was only a few thousand more than it is now this time 3years ago. Theyve over charged me and hardly any of my payments are being applied to my account. I should be almost paid instead it looks like Ive hardly paid. Its effecting my credit by the total amount of loan not hardly changing and my life by this vehicle not getting paid down. Ive not even been working and making sure this vehicle is being paid to not effect my credit and was shocked when I saw its not almost paid off. Talking to them about it has got me absolutely no where.
Consumer complaint received 2022-10-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc. (FL)

I started my zip account on XX/XX/22 and kept my payments were current until XX/XX/22 as I had a card compromised so it was canceled, I went to the zip app and added a default card to keep payment current. Instead the payment was not collected and a late fee was added of {$7.00}. 
After several live chat and 7 phone calls with a live agent and 4 days later the payment is still not collectedXX/XX/22was my final attempt to resolve the outstanding payment with the new card I received on XX/XX/22 which I added thur their customer portal as the requested on XX/XX/22 I asked them to collect the payment still they were unable claiming I never updated the card information. I fin had enoughI told the can bill thur mail as out business is concluded I will no longer contact or make further efforts to resolve something so simple. 
In addition the zip app I opened authorized me a {$350.00} spending credit but when I went to make a purchase the account had a hold on it saying I didnt meet the criteria, but you already offered me credit it did make sense In short they are incompetent at best with XXXX standard level of customer service unable to resolve the simplest problems a total waste of time
Consumer complaint received 2021-01-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (NY)

On XXXX XXXX there were unauthorized transactions made in 3 different locations.They were XXXX XXXX  New York , Ny XXXX, XXXX XXXX New York , Ny XXXX and XXXX XXXX XXXX New York XXXX XXXX I noticed my card was declined I called KeyBank customer service right away to see what they as the problem thats when I was told it was because of these charges.I then proceeded to tell them that was not me and they sent me to their fraud department and I opened a case and they said they would investigate.I still had my card with me so I was unsure how these transactions were made and so I waited for their response.I was then sent a letter by them that just said my case was closed and that I authorized these transactions.I immediately called and spoke to a fraud specialist and asked her what I could do to get my case reopened because I did not make these charges.She basically told me theres nothing I can do and I need to figure it out myself. I called them many times to get this problem solved and even went personally to the bank and they wouldnt help me figure something out or a way I can fight this.Now Im making a police report because they wont help me get back my {$2300.00} dollars that were stolen from me.
Consumer complaint received 2022-07-05
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc ()

my PayPal got limited. I had around XXXX $ balance. they told me through email I will be able to transfer them after 180 days. after a few months they transfer my money to PayPal without my notice because of " damages to PayPal acceptable user policy '' when I never did a thing
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (MO)

lexis nexus is allowing everyone unfettered access to pwrsonal data they had no right toever collect. then they act like the XXXX, demand decades of data-to remove data, which they then claim is accurate ( never volunteer data ). 
it takes an act of congress to get them to remove anything and then they rinse, wash, repeat. credit lines are demanding access, but nexus is not a legitimate cra. i have been denied two cards, etc on this basis alone.
Consumer complaint received 2022-10-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

I was contacted on XX/XX/XXXX via email by a XXXX XXXX who has been emailing me for several weeks now. She insisted that her grandmother was out of food, sending me a photo of an empty frig. She stated she also needed new bedding and asked me to send another {$25.00}. ( this was thru paypal and is payable on XX/XX/XXXX. ) I had sent at XXXX XXXX request to XXXX XXXX {$25.00} on XX/XX/XXXX ( via paypal payable XX/XX/XXXX ) for gas for her grandmothers vehicle. I found out on XX/XX/XXXX late that evening that she did not have a grandmother nor did she have her grandmother 's vehicle. The whole thing was some sort of a scam! XXXX XXXX has now deleted her name/etc from XXXX where it was originally. However, I still have some of her conversations on XXXXXXXX XXXX