davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

During XX/XX/XXXX, I requested a modification of my mortgage loan. XXXX XXXX XXXXXXXX sent me notification, XX/XX/XXXX that I was approved for a trial modification and instead of making regular monthly payments to pay the exact amount of my trial period plan payments of {$1600.00} for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Additionally, the letter informed me that they would continue to report to credit reporting agencies the status of my loan as well as my entry into a Trial Period Plan, in accordance with the requirements of the Fair Credit Reporting Act andf the XXXX XXXX XXXX XXXX. In addition, my loan will be reported as paying under a partial or modified payment plan during the trial period. 

The letter further informed me that my existing loan terms will remain in effect and unchanged during the Trial Period Plan and I will continue to receive monthly statements that will show the payment amount based on my existing home loan agreement. However, please pay only the new Trial Period Plan payment amount instead of your regular payment amount until I hear from them about a permanent home loan modification. 

On, XX/XX/XXXX I received the approval letter for the modification. This letter informed me that I had successfully completed my trial modification and they are pleased to let me know that I've been approved for a permanent loan modification. The condition to receive a permanent loan modification was to make the trial payments on time, by the XXXX of that particular month in which I did. 

XXXX XXXX XXXXXXXX, instead of notifying the credit reporting agencies of my modification status and Trial Period Plan, they reported late payments from XXXX which is inaccurate and a direct violation and a willful failure to comply with the Fair Credit Reporting Act. They failed to notify the credit reporting agencies of my loan modification status and that I was on a Trial Period Plan. Additionally, they reported late payments when payments were sent XXXX, XXXX and XXXX. 

In XXXX, I requested a detailed payment history to include XXXX paymentsXXXX XXXX XXXX XXXXXXXX failed to send XXXX of XXXX, but sent XXXX from XXXX.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MI)

Aidvantage is showing that a parent PLUS loan was taken out for a specified university and distributed on XX/XX/2015, however, a parent PLUS loan was never executed for said university. This information that Aidvantage is providing is incorrect.
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (WA)

Synchrony lowered my spending limit by XXXX XXXX  USD due to incorrect information on the credit reports. This information has been updated but Synchrony will not raise the credit limit again.
Consumer complaint received 2023-10-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

On XXXX XX/XX/, I transferred {$11000.00} into Coinbase account. I have had account with coinbase for longtime. But this time, though, they promise access to funds with in 5 days, they made me wait until XXXX XXXX XXXX. 

Today, I tried to access the funds and transfer it, my account got locked. The instruction was to contact support. Called the phone number and there was no response. Then I used chat to contact the customer service. 

The rep that came on named, XXXX, spent not much time in understanding and resolving the issue. He came back and messaged saying it will take another 6 DAYS to resolve the issue. 

I told him I can not wait that long and need access to the account and funds urgently. His response was it will take 6 days and there is nothing that can be done. 

Coinbase is routinely causing issues to customers it seems. On line search shows many complaints and frustration that we can get nothing done thru " customer support and there is no way to escalate the issue either. 

They said, if the issue was not resolved, then we can launch a compliant. I submitted the complaint and the automated response I got was, it will take them 45 DAYS, to reply.!!! 

I have already been delayed and now this. This is extremely distressing and they are playing games to hold on to my money illegally. This is unacceptable. 

They need to provide access to my account and funds asap. It should not take them 6 working days to get this done. I don't know if Coinbase is genuine anymore and scared that I may lose money. 

As you see in the attachment enclosed, they just list the complaint and do not show any other information that was exchanged. Everything with this company is suspicious and they are really taking customers for granted once they have access to our money. 

PLEASE HELP ASAP. THANK YOU VERY MUCH.
Consumer complaint received 2024-04-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TSC Accounts Receivable Solutions (CA)

Tsc contacted me on XX/XX/24 regarding a missed medical co pay to my child 's medical office. The representative did not say it was a recorded line and was calling on behalf to collect a debt. I clarified I was just made aware of the issue on the XXXX the day before with my child 's medical office that they have an insurance bill error over the phone with their biller rep and my insurer on the phone line to confirm with me. Due to the error and the address error my child 's med office had I never received any notice of this uncollected balance as I always assure all balances are paid. My child 's XXXX XXXX said I would be contacted by their office Wednesday the XXXX to clarify the only balance I have is {$18.00} for another service date. The TSC rep stated the bill was for XXXX my child but did not say or provide who the original creditor was and or for nor when they received the account to justify an up charge of {$10.00} although I have that info from my child 's medical office that it was XX/XX/24 they sent the balance out for a collection. The TSC rep demanded I pay {$55.00} and I stated the balance the office stated was {$45.00} and it's what shows on my child 's account. The rep then stated I owed {$55.00} due to fees and I said well I'd like to await for a call back from my child 's office manager wed as I was just informed on XX/XX/24. He demanded I pay the {$55.00} and he stated he would add interest daily and report the sum to my credit until paid cause I just admitted I had notice when I stated I was just informed XXXX hours prior. I do not owe TSC anything. He then stated pay your bills and hung up on me!. He called me again and I stated I invoke to be further contacted by his co TSC as instructed per my attorney for they do have collection violations committed by TSC. Per my attorney this representative already violated FDCPA laws, and I will pursue legal action for the illegal conduct
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2024-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MI)

A few days ago, my wife got a XXXX dollar payment from a family friend. It was a gift and supposed to help us out. Well I had her send the money from her Venmo account to my Venmo account. I logged into my venmo to make sure the funds made it into my account safely and securely. Well, I tried to transfer the money from my Venmo account, to my main used account thru XXXX. I found I could not transfer the funds. So I call and call and get hung up on XXXX, actually XXXX times now, I have had numerous chats that have ended in nothing. First it was they needed a statement from my bank account debit card on file because another Venmo user has the same bank account debit card info on file and you are only supposed to add a card on XXXX venmo at a time, not a big deal, probably on my wife 's account. So I give them the bank statement. Well I wait patiently a couple days for them to review it, then they ask me for my Valid form of Government State Issued ID or Drivers License, again no big deal, have no problem uploading it, I then wait and wait and wait and I get an email that says it is frozen because of a XXXX XXXX  debt owed to venmo from a chargeback i believe, back in XXXXXXXX of 2023, a month after I opened the account. Well ..... I check my account statements for every month from now until I first opened the account on XXXX of 2023 and find nothing remotely close to saying I owe them XXXX XXXX. My account balance was never negative and I currently have {$50.00} dollars locked away in my account and they just keep making me jump through all kids of hoops and I am getting no where. I have all chat transcripts in my email.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023 I open a claim against XXXX XXXX because they sent me damaged shoes and wouldnt take my return. Wells Fargo sent a letter today XX/XX/2023 that they would not refund me anything because damaged goods are not XXXX responsibility and its the shipping services fault and Wells Fargo wouldnt help me. 
They denied my dispute claim and closed it.
Consumer complaint received 2023-10-05
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX  XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$94000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$94000.00}
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Security Credit Services, LLC (FL)

Requested original contract with my hand written signature to verify accuracy of account which I have never received. They still havent sent over hand written signature on original contract. Reason XXXX requesting to have this account deleted from my XXXX, XXXX and XXXX credit profiles immediately and indefinitely. I have no knowledge of this Account this account was opened fraudulently so please remove immediately.
Consumer complaint received 2023-10-05
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. (PA)

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EA Holdings Corp. (IL)

I am writing this complaint to EASY ACCEPT about the reported fraudulent account on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXXThe FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit 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
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (FL)

On XXXX, I received a XXXX XXXX alert indicating a new Hard Inquiry to my credit profile. I immediately logged into XXXX XXXX and saw a hard inquiry from JP Morgan Chase of which I did not fill out an application for credit. I immediately called the phone number associated to the inquiry and spoke to phone agent in Fraud Application reporting the issue. The agent was apologetic and reported she would close down the application and send me an Identity Packet in the mail. To date, nothing received. Instead, 2 new credit applications submitted to JP Morgan in attempts to open credit and JP Morgan pulling my credit report. If a consumer calls once reporting fraud, why would JP Morgan allow further applications so close to the recent fraud date?! This appears irresponsible as a creditor and commitment to prevent fraud scammers.

Please help me as now 3 Credit Applications are submitted and JP Morgan is not doing anything to prevent this from continuing. I already reached out to XXXX who gave me the run around for over an hour. Why is it so easy for a fraudster to commit fraud and a nightmare for the victim to get help. This is why I am reaching out to you. Please help!
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (OR)

A few months ago, I found out about an auto policy that my ex-husband has through XXXX. This policy is dated XXXX XXXX XX/XX/XXXX. I am named as a policy holder on the policy even though my ex-husband and I separated in XX/XX/XXXX and legally divorced XX/XX/XXXX. I had my own personal auto insurance during this time that was not through XXXX or connected to my ex. I had no knowledge of the policy until a few months ago which I found on my XXXX  report. From what I can tell, my ex-husband is committing insurance fraud on this policy by keeping my name on it for 4 years after our divorce to keep his rates down. He has a history of multiple at fault accidents and other claims, while I have not had an accident for almost 6 years. This policy is affecting my insurance rates because of my ex-husband 's accident history. 

I have contacted LexisNexis to dispute the information on my XXXX  report three times on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. I have been denied because the XXXX policy names me a policy holder, however my name on the policy is fraudulent. I have also contacted XXXX multiple times to have my information removed from the policy and the information corrected, but they refuse to remove me from the policy.
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (PA)

CKS Prime Investments purchased an old credit card debt. They did not notify me or give me 30 days to validate debt. Instead referred directly to an attorney. My wife recently got served for an old credit card debt also owned by CKS Prime Investments in which she never received any communications from CKS Prime Investments prior to sending to an attorney.

CKS Prime Investments is taking extremely predatory and abusive steps to collect debts using legitimate attorneys as tools to collect while not following laws set forth by the fair credit act.