davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

To whom it may concern : I am referred to your office by SEC counsel office in regards to scam done by XXXX through Coinbase Wallet . 
I invested {$40000.00} to buy USDT ( XXXX ) using Coinbase app and Coinbase Wallet app that XXXX XXXX urged me. She also gave me the XXXX XXXXXXXX link ( XXXX ) run by XXXX who run XXXX XXXX In the beginning andd through XXXX XXXX my funds grew to XXXX USDT and XXXX told me that I was a lucky user picked to receive higher yield interest along with XXXX ( Ethereum ) from XX/XX/XXXX through XX/XX/XXXX by which XXXX would return all my funds back along with reward which never happened. They asked me to add 76000USDT in my Coinbase Wallet during what they called contract period to which I never agreed to pledge additional funds let alone to authorize XXXX to authorize taking money from my Coinbase Wallet XXXX On XX/XX/XXXX, I was shocked that all my XXXX USDT was taken without my consent. Furthermore, customer service at XXXX said all my USDT would be returned in XX/XX/XXXX which never happened. Customer Service at XXXX said I had to request to withdraw all my funds which I did and they would return all my funds within 24 hours which they never did. After requesting them to return my funds the Customer Service said I had to add XXXX USDT to Coinbase Wallet for me to unfreeze the funds which I refused since I have become suspicious. Finally XXXX customer service threatened to freeze my funds indefinitely. I have tried to contact Coinbase customer service but they said nothing they can do to help. I am not the only one who becomes victim of this scam. Please refer to the following link of other victims ; XXXX XXXX XXXXXXXX Even though I have reported the digital wallet that stole my USDT, Coinbase cant do anything. 
My Coinbase Wallet address : XXXX The wallet address that took my funds : XXXX I am hoping that you can help me and other victims to recover the funds due to the fact that Coinbase app is not secure at all and the scammer by XXXX who stole many Coinbase Wallet users. 
Thanks in advance for the opportunity to file this document to you. 

Respectfully yours XXXX XXXX XXXX AIA XXXX XXXX
Consumer complaint received 2021-12-17
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: Experian Information Solutions Inc. (TX)

Hello so on XXXX/XXXX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX XXXX XXXX XXXX. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Consumer complaint received 2021-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MO)

Someone use my name while I was in federal prison, I advise the credit card company XXXX XXXX Bank and the prison sent them all paperwork to prove it was not me they said it was fraud and would have the account removed from the collection agency, low and behold the collection agency is trying to collect money from me and reporting this fraud account to my XXXX credit report for {$810.00}
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is still reporting inaccurate information on my credit report after I have disputed this information several times, sending drivers license with correct address information and the police report filed when this happened. I was a victim of identity theft when several accounts were opened under my name and Transunion did not investigate or try to resolve this matter. I am in the process of buying a home and because of this issue I have been unable to provide a home for my XXXX. This is why I want to file a formal complaint against Transunion since XXXX and XXXX have investigated this case and deleted the incorrect information. This is unacceptable and it is my right under the FCRA to have this information deleted from my credit report.
Consumer complaint received 2021-12-17
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. (NJ)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX Showing on my XX/XX/XXXX Credit report terms are revolving and hindering my credit score and report on a charge off account last payment on XX/XX/2018. It keeps reporting C/O each month making this account active on my credit report.
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (PA)

TB Banks USA NA has exposed my personal information with different Law offices here in the city. I am getting all of these Law suits from different Law offices telling that T D Bank has File a Lawsuit against me I was never aware of a Lawsuit I have file a dispute on my credit report about the amout of the payment that I owe XXXX is looking into the matter and nothing has gotten done I dont think TD Bank be allowed to exposed my credit card information like that and share my personal information to other Law firms this information should have been between me and the creditor
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (CA)

I opened two accounts with Ally Bank on XX/XX/XXXX of 2021, depositing {$5000.00} into an interest checking account and {$5000.00} into a savings account. I received a debit card in the mail. 

After a few weeks I tried my first transaction, which I think was a small debit card purchase. My account was immediately locked for suspected fraud... I received notification in the mail. 

I phone Ally Bank on XX/XX/XXXX and aske for the fraud department, where I encountered " XXXX, '' a XXXX XXXX XXXX XXXX XXXX  employee who would tell me nothing and only said he would send a document upload link via email, then hung up on me. 

I uploaded all the requested documents, then waited several weeks. Nothing happened. 

I called back and spoke with XXXX in fraud prevention. She was apologetic, but said none of my uploaded documents were in the file. She didn't know why. She sent me another upload load and promised to track the case to ensure quick resolution. 

I never heard from XXXX. 

Several weeks later I called again and spoke with XXXX in fraud prevention. She said none of the documents from either of the two previous uploads were in the file and offered to send me yet a third upload link, but I insisted she stay on the line to verify receipt. We did three sets of uploads, she confirmed she had all the documents from all the uploads, she said they were more than sufficient to prove my identity ( all of these included a photo of me holding my passport, etc. ), and that this would be resolve within 24 to 48 hours. 

I never heard from XXXX. 

Weeks later, I called and spoke with a customer service agent who could not transfer me to fraud prevention but said she would try to get someone there patched into the line. She was on hold ( as was I ) for about 40 minutes, then she came back on the line. She said the person she spoke with in fraud prevention would not speak with me, told her not to reveal his or her name, and said someone would reach out to me within 24 to 48 hours, then hung up on the customer service agent in his own organization. She was embarrassed. 

No one ever contacted me. So I filed a complaint with the XXXX, who forwarded my complaint to your agency on XX/XX/XXXX. I haven't heard from you, so I'm filing a complaint directly here. 

Your upload system wiped out my entire complaint a few minutes ago, so I've retyped all of this again. Please contact me, and I will provide you with a XXXX  link to all the relevant emails.
Consumer complaint received 2021-12-17
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: Experian Information Solutions Inc. (PA)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX reported a Bankruptcy on my credit report they said was verified by XXXX. 
I contacted XXXX that said they have no such information. Please have XXXX remove this information.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have a mortgage loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The last installment payment that I made to this company was paid on time, I have documents that prove I made the payment on time but still reported as late. Even in their own payment history shows I paid on time. I sent them the proof through certified mail and still they haven't correct their mistake from my credit report and it is hurting me greatly.
Consumer complaint received 2021-12-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-16
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 — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I paid the account for this XXXX credit card in full on XX/XX/XXXX. The XXXX statement showed a balance of {$2300.00} with a minimum payment of {$4.00} by XX/XX/XXXX. I paid {$2300.00} on XX/XX/XXXX and {$4.00} on XX/XX/XXXX as shown on the statement. I never received any notification that there was a pending amount for any interest. Why are they charging any interest if there were no transactions? There were no minimum payments due on the following statements until XXXX of which I was never notified. I spoke to XXXX in customer service who indicated the alerts were turned off on the account and that no one had tried to contact me. I did not receive any e-mails or statements to indicate I owed anything until a letter on XX/XX/XXXX which stated I owed {$11.00} ( I dont know what for ) but I immediately called USAA and paid and was assured the balance was zero. I check again on XX/XX/XXXX and it shows that I owe a balance of XXXX cents for who knows what since the account was paid-off and which I can not pay on-line. I again call and spoke to customer service and the charge was removed. However, USAA  has reported me to all three credit bureaus as being late. I was a faithful customer and never paid late. It was their fault for not sending me any notification and truthfully, what are they charging me if I paid the account in full, this is a scam against veterans trying to collect interest. I was trying to refinance my home and get a VA loan, but because of this account was denied as my credit score has dropped dramatically. I work very hard to ensure my credit rating is excellent. I pay all my credit cards on time which you can check, and I have never paid this card late. I want my consumer report fixed as this was not my fault but the negligence of USSA for not alerting the customer of these bogus interest fee charges.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

This just proves that XXXX and XXXX Credit Bureaus are lack proper record keeping. Now, this account is reporting to be late, yet it is closed. Lets correct this immediately. The Bureaus are required to verify for themselves but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise remove this account immediately.
Consumer complaint received 2015-07-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

I received notification from USSA regarding an automobile payment being more than 30 days past due, therefore it was going to be reported on my credit. USAA is stating that I made the payment on XXXX XXXX of 2015 ( which was two days past the 30 + days time frame ). I have called the company and asked for clarification as the payment was made on XXXX XXXX, 2015 ( one day before the cut off date ). The explanation given to me was that though I did the correct thing by making the payment the day before it was 30 days past due, they can not remove the credit reporting. Their reason is that because I do not have a banking account with them, but I do with a third party bank, it sometimes takes longer for USSA to process the funds. Despite a long telephone call, there was no resolve. I explained to them that I have no control over how their company financially operates, I only have control over when I made the payment and it was before the date they are claiming. I feel that this is a deceptive business practice and should be looked into further. There is no reason that my credit should have a blemish because of their practices, which I have no control over. I also asked if I made a payment that technically was n't late, but my funds were not processed by USAA before the date in which it would be considered late, would I get a late fee - and I was told yes. Basically, no matter what I do or when I pay, it 's when THEY decide to get the funds and they go by that date. This is not fair to the consumer. I was told that I would have to go through a long process with disputing this with the credit bureaus, which I do not have time for and should n't have to go through the hassle due to their " business practices ''.
Consumer complaint received 2021-12-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Yo LLC (CA)

I am working with XXXX XXXX to purchase my loan from Gregory Funding but this is being prevented because of the past due balance that Gregory Funding keeps showing on my account. The rules of my Forbearance agreement with XXXX XXXX specifically stated that I would not be charged any fees while I was in the program. The loan was purchased by Gregory Funding from XXXX. I have no problem paying the {$7600.00} of my past due payment. But I should not be charged the XXXX in past due fees and charges that Gregory Funding is trying to charge me because as I stated before I was in the Forbearance program. I have called Gregory Funding XXXX  times and waited on hold for hours and the reps can not even justify what these charges are for. They just keep telling me to send an email and I never received a response. Now I have just been told my home insurance company that Gregory Funding has not even paid my home insurance since my loan has been transferred to them and now XXXX insurance is asking for XXXX immediately or my policy is being cancelled. I have the checked with the XXXX and I have read countless claims against Gregory Funding with people having the exact same complaints!
Consumer complaint received 2021-12-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blackhawk Network Holdings Inc. ()

Ok so I was buying a XXXX XXXX XXXX from the official XXXX site. XXXX uses XXXX and I was not aware of the bad reviews of this site thus making me buy 3 XXXX XXXX XXXX 's which each cost {$10.00} making it {$30.00}. After I purchased them 5 minutes after I received an email saying " We're sorry. We were unable to process your XXXX XXXX XXXX order from XXXX. 

Settled charges will be refunded to the original form of payment. Pending authorizations do not represent capture of funds and will expire according to the policies of the financial institution. '' And after a long 6 hours I have not received any money on my debit card. 
The customer support doesn't give a XXXX about you. They don't even bother to respond. 

Sites that led me to purchasing the gift card : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TN)

I previously submitted a complaint regarding an unrequested waiver ( complaint # XXXX ). The response was that " Due to processing delay, XX/XX/XXXX was approved for override provided the following criteria is met : XXXX ) You make the monthly payment of {$300.00} within one month of XX/XX/XXXX, when you spoke with a FedLoan Servicing representative who advised of the override details and XXXX ) Your employment for this period remains certified. '' I made the requested payment on XX/XX/XXXX, and they have still not implemented the override/updated count.
Consumer complaint received 2021-12-16
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: Experian Information Solutions Inc. (VA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-17
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: Experian Information Solutions Inc. (FL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.