davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

COINBASE CASE # XXXX - {$25000.00} Wire Reversal missing for 2 months - XX/XX/2018 - I had a wire transfer sent to Coinbase for {$25000.00} that was reversed since it was sent from my business checking account ( name mismatch ). Received email response from Coinbase indicating 7 business days for wire to be reversed and sent back. Screenshot of Wire Reversal email from Coinbase attached. 

XX/XX/2018 - Emailed Coinbase customer support and requested status on wire refund. Coinbase responded the same day requesting details regarding my wire transfer which provided to Coinbase. I reminded Coinbase that I've invested over {$200000.00} with their company and this was something that needed to be resolved. Called Coinbase Support and hung up after 45 minute wait. 

XX/XX/2018 - I received an email from XXXX ( Coinbase Employee ) stating that she apologized for the delay and would help resolve my wire refund. 

XX/XX/2018 - XXXX ( Coinbase Employee ) requested further documents which I provided. Also provided Wire Transfer instructions from my bank to assist with the reversal. 

XX/XX/2018 - Emailed XXXX ( Coinbase Employee ) to provide status on wire reversal. I have not heard from XXXX since providing all the documentations Coinbase requested. 

XX/XX/2018 - Called Coinbase Customer Support to check status of my ticket. Spoke with XXXX who could see my dispute had been in the system since XX/XX/XXXX. XXXX stated that my case was escalated to the highest level. 

XX/XX/2018 - Emailed XXXX ( Coinbase Employee ) requesting status update regarding my wire reversal. No response was received from Coinbase. 

XX/XX/2018 - Emailed Coinbase customer support regarding wire reversal. No response or status update has been provided. It has now been 7 weeks since the initial wire and I haven't received my wire reversal.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (GA)

They keep charging my card when I told them for three months to cancel my membership. They will not do it. How they get over is they don't notify you when they take your money. This place is a scam who fraudulently charge you without even knowing. I let them get away with it the last two months in hoping they'll cancel but they will not. Please give me back my three months and cancel it
Consumer complaint received 2018-03-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CT)

My mortgage was sold to XXXX XXXX  on XX/XX/2018. I am currently in bankruptcy but am keeping the property, clearly stated in all paperwork. I have made on time payments throughout ( to my previous mortgage lender XXXX XXXX XXXX ). I was told by XXXX XXXX, because of active bankruptcy, I needed to pay by check, money order, or my banks bill pay. I made a payment through XXXX XXXX electronic bill pay ( not a check but an electronic payment i. e. A debit payment ). XXXX XXXX, by default, sent the payment to Loan Care Servicing Center, as they used to be an associate of XXXX XXXX. Someone from LoanCare accepted my payment. It has not been posted to XXXX XXXX, it has not been returned to my account and LoanCare knows nothing. Ive been told by 2 different workers that loan care works for XXXX until today I was told they do not. But because I do not have a loan with Loan Care they cant find my money. I am now late on my first payment with XXXX with no solution in sight. I have {$1800.00} floating around somewhere that no one can find. Loan Care Servicing Center is who has taken my money with no return.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a response from Transunion stating they verified an account as accurate. I looked at my credit report today XX/XX/year>, and still see incomplete and inaccurate information. According to the FCRA, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. ( XXXX XXXX  ) XXXX XXXX - XXXX - Information is reporting inaccurate and is still not correct. So I request a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 and 15 USC 1681i ( 5 ).
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I refinanced my car loan with XXXX. Previously I had a couple personal loans with them as well, they were fine, no problems. This loan 's not being properly reported to credit bureaus. They report it only to XXXX. Not XXXX XXXX, not Experian have any information about this loan, which is hurting my credit score. I tried to contact XXXX XXXX 's customer service by the phone and via mail. In the past 6 months I've made about 4-5 phone calls. The last one was about a month ago. Every time they say, that they'll look into it. I also mailed a letter about a couple months ago to the address on the back of the statement ( the one they say to use, if credit reporting is incorrect ). A couple weeks ago they sent me an email asking to write a review on their website, which I did. I gave them 2 stars out of 5 and explained the situation. Thought it might attract their attention. All they did is blocked my review and sent me another email, saying that the review did not meet they guidelines.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2018-03-03
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Premier Student Loan Center (KS)

I keep getting calls from individuals and no name companies who keep wanting to assist me in paying off my student loans. The last number that called me was XXXX. 
This is the message they left This is _____________ I missed you your loan service __ actually fell out of compliance by not telling you about the forgiveness program so far compliance and ___________ can you please give me a call back at XXXX so I can tell you when the Department of education is offering for your loan _________ have a great day. I was recently scammed out of {$1000.00} from a similar company calling themselves XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-09-27
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and to Equifax? This is so unbelievable! The items have already been deleted but now it has re-appeared on my file. How can you guys let this pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-03-01
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: JPMORGAN CHASE & CO. (AR)

PLEASE UPDATE ALL CREDIT BUREAUS FOR AUTO LOAN WITH CHASE, REVERSE ALL LATE FEES AND UPDATE ALL BUREAUS TO REFLECT PAYING AS AGREED NEVER LATE NEW BALANCE XXXX {$18000.00}.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MA XXXX Account number : XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Ct XXXX Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 

Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 

XXXX XXXX
Consumer complaint received 2020-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

XXXX XXXX closed down in XXXX of XXXX and I was told that I would get my loans forgiven if i filed for student loan forgiveness filling out the School Closure form by XXXX XXXX, and that's what I did but got denied. then called my student loan provided Nelnet told them the situation, Nelnet told me to fill out the Student Loan Defense to Repayment and that's what I did but i was denied for that. I should not have to pay back loans if my school closed down. Below are the dates the student loans were taken out, and the amounts owed. 

XX/XX/XXXX I owed {$6000.00} since then Nelnet has charged me over {$3000.00} in intrest. 

XX/XX/XXXX I owed {$3500.00} since then Nelnet has charged me over {$1000.00} in intrest XX/XX/XXXX I owed {$3000.00} from the previous year since then I've been charged {$330.00} in intrest
Consumer complaint received 2020-03-04
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. (NV)

XXXX, XXXX and Eqifax have multiple account on my credit report that I have never opened or authorized. I have submitted complaints with the XXXX and was advised to start here with cfpb
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under 
the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Colony Brands, Inc. (FL)

I filed a complaint with CFPB complaint number XXXX your response was you have the account listed as a charge off, please see attached credit report you have this listed as a profit and loss. It is not a profit and loss I paid this in full. If anything this should only be listed as a charge off. You also stated in your response I never contacted you prior to my complaint filed this is incorrect I spoke with XXXX  on XX/XX/XXXX at XXXX she advised me she can not correct my credit from stating this is a profit and loss that the bureaus would have to fix again please see attached credit report along with complaint showing you reported this as a profit and loss and not just a charge off. My next step will be to retain an attorney as I want this corrected to reflect the correct reporting. I do not understand what is so hard about reporting this accurately. Someone in your establishment needs to do the right thing and take some time and correct my report. Someone took the time to incorrectly report it that the same person should take the time to correctly report it. I want it to be fix on XXXX XXXX and XXXX XXXX where it is not showing both a charge off and profit and loss. It needs to show on both that it is a charge off. I paid on XX/XX/XXXX I paid both accounts on the same day and I send a copy of the bank statement showing were they were paid off.
Consumer complaint received 2017-11-03
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: Experian Information Solutions Inc. (GA)

Saturday XXXX, XXXX, XXXX I received a piece of mail with a return address in XXXX, TX. It looked like junk mail, and I had moved last year from that area of Texas. I opened it without notice that it was not addressed to me. Inside was an Experian credit freeze report XXXX on a XXXX XXXX XXXX XXXX. I have owned this home since XXXX XXXX, and moved in XXXX XXXX. I had never heard of this man. I felt bad for opening it and decided to call Experian. However the phone number on their report was automated with no way to reach a human. I listened to the recordings and determined that in order for XXXX XXXX to have received such a report, he had to have committed FRAUD using MY address. I then began to look into who he was, a convicted FELON with multiple counts of theft and drugs dating back 20 years! I showed his tattooed photo to neighbors who confirmed he once rented the home where I now live. So, on Monday, XXXX XXXX, I sent a letter to Experian which included information on two issues I had with ID theft locally from XXXX and XXXX of this year and in the process learned someone had opened a PO Box in my name in XXXX. My letter to Experian included a recent bill with my name at my address. There is a police report in XXXX XXXX, GA XXXX and they were notified as well. The answer I received from Experian was STUNNING! They claimed I was NOT authorized to give them the information on XXXX XXXX likely FRAUD using MY address! I then contacted them on XXXX directing them to county property records that proved my ownership and was told the problem was with the MAIL service! I then contacted your bureau asking for a mail copy of a complaint form that never came. Anyone paying attention?
Consumer complaint received 2017-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This information is incorrect, because a deferment was filed to cover months. And no payments were due. So the negative reporting should be positive You 've paid off 100 % of your student loan amount. 
Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XX/XX/XXXX ( 11 yrs, 4 mos ) Term 120 months Payment History Youve made 44 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXLast payment XX/XX/XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times 30/60/90 days late XX/XX/XXXX Closed XX/XX/XXXX
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company (TN)

XXXX XXXX with Freedom Mortgage will under no circumstances will not return any phone calls. Since XXXX ; she'll call me when she needs financial documents that day. I've called five times in eight days requesting final documents. Yet she still hasn't responded in any form. Her actions, or lack of, has caused financial strain. Due to my property tax due.
Consumer complaint received 2017-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

I have been rebuilding my credit for years and I raised my credit sore to XXXX where it has approx remained for the last year, I went to check my score recently to find it has dropped a 101 points overnight. a collection company ( Receivables performance Management ) put a collection/charge off on my credit report, stating I owe XXXX to ( XXXX XXXX ) I have never had XXXX XXXX in my life and have never had any type of dealings with XXXX XXXX. I checked into the collection agency and discovered I am not the only one with the exact same issue with this company the internet is littered with the same complaint as mine. the Better Business Bureau complaint/comment section has at least 50 complaints of the exact same claim with Receivables Performance Management saying they owe XXXX or XXXX, XXXX, XXXX ... when they have never had any dealings with them whatsoever. I have never received a letter or phone call from this collection company, this is either a mistake or they have just made up this claim in hopes I just pay to get it off my credit report. this debt is not mine it is either fraudulent or human error, I need this off my credit report.
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (WA)

Dear sir/maam, I paid my Navy Federal Credit Union credit card account ending in XXXX in full by settlement that Navy Federal Credit Union offered me on XXXX XXXX XXXX. This account was opened in XXXX XXXX and last activity was XXXX XXXX. When I went to go by a home this year in XXXX I was shocked when my credit reported showed that Navy Federal Credit Union Documented and wrote the debt off as a charge off ruining my credit for years without notifying me. Thus, I paid large amounts more money for all items that I purchased on credit like my family vehicles. This debt was never a charge off. I have requested twice that Navy Federal Credit Union, XXXX, XXXX, and XXXX update my credit report by removing/changing the following by certified mail to no avail : Change any/all charge off codes to their algorithm, the status to be paid only, change balance to {$0.00}, change terms {$0.00}, account was not closed by Grantor request it was closed by my request when they took my money without notification, remove all the late dates, Remove the {$3200.00} written off as did not happen, there should be NO status of any charge off on my credit report. I would willfully volunteer to testify against Navy Federal Credit Union. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX