davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I received a Garnishment Letter from my employer that a Judgement had been made against me and that I owed {$900.00}. The letter stated that my income would be garnished and any correspondence in regards to the matter needed to be addressed to the clerk of court. The problem is I had already received a garnishment of my wages in regards to this debt in XX/XX/2009 or earlier and have paid in an excess of {$800.00} which was deducted from my wages. The garnishment ended and I gathered the debt was paid off. I received a letter of a refiling of court proceedings and ten years later they are garnishing my wages for this old debt. I have received no correspondence from Midland Funding LLC about this debt and have no knowledge of why I would owe them any amount. I also believe that the amount indicated in the court document is not accurate to the original debt amount.
Consumer complaint received 2021-10-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (UT)

In XXXX of XXXX I opened this account with Coinbase.

I purchased about {$1200.00} of Crypto. Then another transaction appeared that I did not authorize. A debit from my XXXX XXXX XXXX  account. 

I immediately questioned it and the email took a week to get a reply. They froze my account to investigate my claim. 3 months pasted.!! They ignored all efforts to find out what and why it took 3 months. 
The determined they were completely innocent and it was on me... Of course they did. 

After this happened I tried to access my account to close it and still blocked. I try and try for months to gain access to close my account but they keep changing the requirements and then don't reply for several days. 

I even sent at their demand a selfie, yes a selfie of me holding a hand written note, dated, with my drivers license. And then that was not enough. Today I got a email after reporting this to the SEC, and same thing, they thanks me for my patience and we start the same exact thing again with no results. 
So after 10 months of trying and failing to get my money back I need help please. 

Coinbase is a XXXX company and do not have US customer service. Evidently they will do anything to keep your money. The are unwell to resolve the problem and the consumer is powerless to do anything but get help from agencies that have authority to discipline these type of companies. 
As a XXXX XXXX I can not afford to loose my {$1500.00} Please please help me!! 

Thank you for your help. 

XXXX XXXX XXXX
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2020-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (NY)

Hello, my issue is with M & t bank. Back in XX/XX/2020 I recieved a SBA loan for my XXXX  that I am XXXX XXXX of, everything was fine I was rebuilding my XXXX  everything was going well. Until XX/XX/2020 my account was frozen. I was told it could take 48 hours to review. I patient ly waited, heard nothing from them called back for them to tell me they had no new information. So of course I offered to give them my LLC, EIN, and loan application which I emailed to the bank  manager XXXX XXXX. I call literally every single day up until last week when I was told the bank manager would be going on vacation. Then started back calling everyday just for a update. The 1800 # as well as rhinebeck back, have no information. I've asked for a time frame. Still nothing. So now its been over a month and their withholding my money that I am paying interest on.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I disputed this account due to inaccurate information reported. They investigated and stated that the information was accurate. Both XXXX and Equifax are reporting different information. It is my understanding that the bureaus are supposed to mirror each other when the account is listed on both. XXXX is showing a high balance of {$1200.00} and XXXX is showing a high balance of {$930.00}. Further more TU is showing XXXX as XX/XX/XXXX and XXXX as XX/XX/XXXX. They both are also showing a past due amount on a collection/ charge off account.
Consumer complaint received 2022-03-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

My car was totaled in XXXX. The insurance company contacted XXXX XXXX XXXX to get payoff so they could send the payment for the balance of the car. XXXX  XXXX  sent payment to XXXX XXXX. The car was paid off but XXXX XXXX continues to report negative information on my credit report. I have called them to ask them to update the report and they told me they don't handle the credit reporting. As of today 's date the information is still inaccurate and the balance is inaccurate. I had Gap insurance to cover the balance but they will not update it.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have filed disputes with Equifax trying to get a fraudulent account removed from my credit report many times from XXXX  through present and constantly they are not investigating this property. They just send me a message saying this is your debt. If they would check it properly then they would see its not mine.
Consumer complaint received 2021-12-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OH)

Navient began reporting in XXXX that my student loan is late/delinquent, but the COVID forbearance period is still in effect until XX/XX/2022. If they're doing this to me they're probably doing this for everyone else as well.
Consumer complaint received 2022-03-16
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I received a text message from well fargo asking if I authorized a XXXX payment for {$1500.00}, I responded no and not a minute later I received a phone call from WELLS FARGO XXXX ( same as the number on the back of my atm card, ) I answered and they stated this was wells fargo fraud dept. I was in the middle of stocking a grocery store and didnt get a name. The male stated to receive my money back he would send me a code to refund the XXXX back to me. I received a code via text message and gave him the code. He stated it could take 24 hours to see refund, we ended phone call. 
nstantly my account had a XXXX  transfer of not only XXXX but {$2000.00} GONE!! Right away I called Wells fargo fraud dept, My account was completely drained! A Claim was filed. 
Wells fargo decided since I gave the code I authorized the transfer. Absolutely absurd! An escalated file was claim, and again DENIED! 
Here we are mid XXXX and we have been robbed by wells fargo and XXXX. We are a family barley making it, this was all we had at the time. Myself and my wife members since XXXX will be leaving the bank we trusted with our finances
Consumer complaint received 2022-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2022 I electronically deposited a check for {$3700.00} into my checking account. The bank stated that the funds would be available on the XX/XX/2022. On XX/XX/2022 Chase put the checking account in restricted status. The check was made out the my wife, however, the check has my name on it as well. Instead of me signing my wife 's name first I signed mine name. The transaction was flagged and considered to be fraudulent. I spoke to a customer representative in the restrictions department and they explained to me that the check needs to be verified in order for the funds to be released to the account. Meanwhile, Chase cashed the check and is holding the funds. My wife and I both went to our local branch to further handle this situation to verify ourselves and that the check is issued to use and the bank still refused to released the funds to us. They told us that the account will be closed due to the correct verification measures. On XX/XX/2022, my wife and I went to another branch and spoke to a branch manager about this situation. She stated that the old account is closed and offered to open a new checking account. She also stated that chase would direct the funds of {$3700.00} would be transferred to the new account within 4-5 business days. We still have not received the funds yet.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX  and XXXX  should not be reporting a current balance of {$1000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was turned back in per the terms of the agreement. There is no outstanding balance due. Please update and/or remove this line item from my credit report. This false reporting of a balance due is harming my credit score. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/XXXX throughXX/XX/XXXX I paid my student loan to XXXX XXXX  which had sold it to navient who I never heard of. My account became delinquent as the payments were rejected. I settled up the account but they refuse to fix my credit report. They are now rejecting my payments again and I do not know why. They are requesting I refinance the loan which I do not wish to do as I have enough issues with this one. I do not trust it would be smooth or an improvement
Consumer complaint received 2019-04-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A. (MN)

A lien was placed on my property after a discharged Bankruptcy preventing me from moving forward. I was never notified of this lien. The Bankruptcy was discharged a few years ago and the file has since been deleted with the company yet they refuse to acknowledge the fact that I need the lien removed.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

XXXX is reporting incorrect information to my credit report. I have automatic payment setup on this account and they are showing I was late on XX/XX/2021. 
-Date of last payment is incorrect on all three credit bureaus.
Consumer complaint received 2022-03-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

Companies Involved : XXXX Equifax Dispute : " XXXXXXXX XXXX XXXX '' : {$170.00} balance While XXXX has removed this collection notice, Equifax and XXXX services have not. Additional disputes have been unsatisfactory as both online and telephone services are non-functional. 

This collection needs to be removed as I moved out of XXXX in early 2021, after having just graduated ( spring ). This was immediate, as in significantly earlier than my lease end date, thus ending energy usage prematurely ( close account requests ). Bills are dated for much later ( summer/fall ), with fees, that XXXX has already stated does not exist under their agreement with Ohio lawmakers . 

Originally I was going to submit a small claims against " XXXXXXXX XXXX XXXX '' but I can not ( temporarily ) at this current time due to the realization that they don't have a registered agent or conduct business in my home state ( New Jersey ). As recommended I will however consider this CFPB complaint as the two separate arbitration proceedings against Equifax and XXXX. After an appropriate amount of time, I will file a claim at my local courthouse.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Revco Management, LLC (MD)

1 ) XXXX shows {$1300.00} on my credit report when I never had the service, they don't even provide their service in my area. 
2 ) My phone number and job name was wrong on my credit report, which I feel someone else tried to use my information. 
3 ) I have several Inquiries that are not mines and I did not authorize on my report 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 XXXX, XXXX XXXX ) I have XXXX accounts from Revco Solutions XXXX XXXX for {$210.00} and the other for {$620.00}, neither one of these accounts are mines.
Consumer complaint received 2022-03-08
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the dateof the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

Hello, I am very upset! I have been repairing my credit and viewing the accounts that are listed. Just recently 2 collections accounts were removed from my report, 2 other collection accounts were closed for payment and my credit card utilization decreased from 98 % to 0 %, considering all of this, my credit only increased approx. 60 points. 

However, just yesterday I check my credit and out of no a medical collection for {$1000.00} is added to my account. An account that I was NEVER notified of prior, no one called or sent letters to inform me of any past due new debt or balances. This ONE medical collection dropped my credit a total of XXXX points!!! XXXX POINTS!!! I do not believe that that is accurate nor fair. The scale is wrong and my credit should not be affected that much! I literally repaired my credit with over 4 things removed and updated and I only got back a few points. I don't understand how ONE medical collection that I was not made aware of before hand could drop my score by so much!!! I AM VERY UPSET AND NEED AN EXPLANATION. This does not add up at all!!!!
Consumer complaint received 2022-03-16
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. (IA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-10-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

Company advised XX/XX/XXXX was being removed from credit profile allow 30 days it went past that I contacted the to follow up XX/XX/XXXX again their reps reconfirmed that XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX were being corrected and should be reflected on my credit profile XX/XX/XXXX they were not I cancelled insurance and additional warranty features representative stated multiple times those would push back payments when they received the lump some check the rep was advised to have been provided a company coaching as she handled improperly and account was messed up from reps removing payments and reposting citing they needed to to remove late fees as their system is old and it is their only way. 

They were showing payments during times where no payments were made had my info mixed with another their system is down often and when I got the vehicle I was advised it could be converted to automatic by XXXX whom I contacted they advised no when I advised during 48 hours we no longer wanted I was hung up three times and transferred place to place saying consult dealer than dealer sent me back synchrony so nothing but the run around
Consumer complaint received 2022-09-08
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXXXXXX XXXX  Account # XXXX, XXXX account XXXX XXXX, XXXX XXXX  account 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 2022-04-23
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. (TX)

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 Accounts # XXXX, # XXXX, # XXXX and # 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 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 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

Since the beginning of 2021, I have been making regular mortgage payment plus additional principal payment in an effort to payoff current mortgage. Since XX/XX/2021, I have had to call Mr Cooper because of misappropriation of the principal payments. Mr. Cooper will take the principal only payment and divide it into principal, taxes and interest. After placing a call, i would be reassure that they would reapply the extra amount to principal only. I was also informed to make regular monthly payments then the next day make a principal only payment. In XX/XX/2021, I make a regular payment then the following day a principal only ; however, the principal only was misappropriated again. I am needing assistance with Mr. Cooper to insure that my extra principal only payments are applied according to my instructions.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

On XXXX2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 120 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), It is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 120 days so they should be deleted promptly.