davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IN)

Around XXXX of XXXX, I was phished for a phone code from who I thought was a XXXX contact. Family in Texas was contacted by scammers multiple times and asked for money. They verified with me that it was not me. My XXXX page was locked down when someone other than me tried to change the password. I attempted on several occasions to unlock it and sent in all the requested information and materials, but was unable to contact anyone or unlock my account. On XX/XX/XXXX, I received a phone call from a loan agency asking me if I wanted to consolidate my credit card debt and my mortgage together. I knew I must be the victim of Identity Theft because I do not use credit cards. I spent the next 2 days going through all my logins, financials, apps, and whatever else on the to do list and discovered that my social security number was incorrect with the credit agencies, I had numerous aliases and multiple fraudulent addresses listed in my files. I only used my Coinbase account for a short time to learn about crypto, but soon realized it was complicated and technical. I left the account idle for a long time, and noticed it had a balance that was not mine when I began my investigation. I worked with Coinbase Support to secure my email, secure the account, and then close it down. I filed a Police report on XX/XX/XXXX with my local sheriff 's office and sent it to my credit agency which has now corrected all the disputes with my personal information. The only company left to correspond with me is Coinbase. It has been extremely difficult to work with Coinbase, and speak with an actual representative so that this matter can be resolved. I have given Coinbase Support my complete personal information including emails, and cell phone numbers. As of XX/XX/XXXX, I have had no correspondence with Coinbase in any capacity since my letter was sent.
Consumer complaint received 2023-01-03
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. (GA)

I'm accordance with The Fair Credit Reporting Act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681 Account XXXX XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX Account XXXXXXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX  Account XXXX XXXX Mutual Account or Ref # XXXX XXXX ref XXXX XXXX XX/XX/17 XXXX XXXX Bankruptcy.. and My name is reporting incorrectly MY name is XXXX XXXX XXXX it is reporting as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX or XXXX XXXX and wrong addresses my address is XXXX XXXX XXXX XXXX, GA XXXX These accounts have 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. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C.1681c. ( a ) ( 5 ) Sec States, No consumer reporting agency may make any consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then 7 years. 
15 U.S.C. 1681 s-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 in accurate
Consumer complaint received 2023-04-21
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. (CT)

This dispute with XXXX has been ongoing since XX/XX/2022. It took extremely longer than 30 days for anything to be addressed which is the catalyst to why improper reporting even took place. After initiation of the dispute my account was closed. This created difficulty submitting requested docs via the portal and accessing their responses as XXXX suspends consumer online accounts as a result of account closures. I have proof that telephone correspondence was to no avail even after getting multiple XXXX 's representatives recorded, admitting to the dispute mishandling and promising to correct the inaccurate reporting, no accountability has been taken. XXXX refuses to stand behind a multitude of their trained staff. 

As of recent, the XXXX XXXX XXXX XXXX XXXX has been handling this matter. They have sent out two notices. One admitting that they feel the XXXX host still deserves the right to be paid despite illegally recording, my family of XXXX including XXXX minor children in the XXXX, which is against XXXX and Fair Housing policies. They also sent out a second letter acknowledging that I was led to believe corrections would be made to the account that they now refuse to honor. 

They only thing they've honored is removing the late fees from XXXX XXXX. However, if you deem that the late fees should be reversed due to the account being in dispute this whole time, why don't you agree that my credit report ( which has a way larger impact ) shouldn't reflect the same? 

Instead, they are sharing inaccurate information that is no longer reflecting on their side and I DO NOT CONSENT TO THAT INFORMATION BEING SHARED. They keep adding remarks to my credit report without my request when everything should be removed. They are aware of the multiple recordings that I have from XXXX, XXXX, XXXX, XXXX, XXXX, etc that all have said that my account should not be in that status during dispute and the negative reporting should not have been made. Yet, they will act as-if they are doing the consumer a favor by reversing fees that shouldn't have been imposed while their life is falling apart due to inaccurate and unfair credit reporting. 

I will be pursing XXXX for the damages their actions alone have caused as many other creditors have retaliated as a result of their claims despite my due diligences and efforts.
Consumer complaint received 2024-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NY)

On XX/XX/scrub>XXXX XXXX XXXX   I made a debt settlement payment of {$2100.00} through XXXX XXXX XXXX to XXXXCiti . I was informed by XXXX XXXX that this was a settlement that XXXX and Citi agreed upon and would clear any other amount I owed. XXXX XXXX XXXX uses XXXX XXXX XXXX to make payments. 

1 ) XXXX XXXX has never provided me with written information on any of the settlements I have completed. 
2 ) XXXX says they returned my account to Citi on XX/XX/year> and do not show a settlement payment. 
3 ) Citi recovery department says they haven't received a payment since XX/XX/year>. 
4 ) I have not received any paperwork from XXXX nor from CITI the entire time I have been in dispute and or settlement with them. 

The payment was made, money was taken out of my account, and not one of these companies is taking responsibility to post this money. Fuerthermore, XXXX XXXX XXXX owes me a refund of {$1200.00} per the case manager I have spoken with. Finally, XXXX XXXX XXXX does not return my phone calls nor do they return my email requests to speak.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 2018-08-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (DE)

The Original Cell phone bill belong to XXXX dates- XX/XX/XXXX / XX/XX/XXXX First missed payment was in XX/XX/XXXX now another collection company had it over the years ( which The statue of limitations ) has ran out XXXX XXXX has it now and didn't inform me of I can dispute it they also knew it was an old debt and they keep putting on my credit report as if it's an new debt when the account was first opened in XX/XX/XXXX I'd sent an letter to do ( NO RESPONSE ) They have wrong information on my credit report The account is very old and needs to be taken off
Consumer complaint received 2024-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lugano Capital, Inc. d/b/a Start Auto Finance (FL)

The car lot I originally purchased my vehicle from ( XXXX XXXX XXXX ) is permanently closed. I purchase a vehicle and upon leaving the lot my driver side front tire fell off from the entire frame. The car was improperly inspected before selling. I ended up spending {$4000.00} a year later to replace the frame again after waiting 2 weeks to even drive the vehicle. The sales person was fired immediately. The licenses were all expired displayed inside of XXXX XXXX XXXX. I was then scammed into a bank called Start Auto Finance. The bank is very unprofessional and has been charging me miscellaneous fees since Ive gotten my car 4 years ago. I was originally told to put down {$4000.00} for the car. They called me back 30 days later stating that I needed to bring {$2000.00} more dollars or return then car and they will deduct from my original {$4000.00} deposit for the days I drove around. I didnt want to let my car go so I paid the {$2000.00} not knowing that XXXX XXXX had received my application and also approved me for a lower down payment. Since then Start Auto Finance has been breaking all kinds of laws with contacting and threatening me. This company needs to be investigated. They have made calls to my references with intentions to embarrass me because I pay my car payment late. They contact my references before reaching out to me. I made a down payment of too much money and also paid a lot and still owe the exact same balance as when I signed my first loan documents. They have illegally repossessed my vehicle in the past and also charged me personal fees for retrieving my vehicle because the tow man required me to pay him for getting up on a Sunday. Please investigate them as Im an now going with a lawyer to remove this company from my past. I have been stuck in this car trying to pay it off for years they adjust my loan too many times and call from number outs spam numbers telling me to remove my personal belongs when my car isnt up for repossession.
Consumer complaint received 2017-04-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (MN)

I had previously submitted a complaint against National Collegiate Trust ( NCT ), as i was unable to find out any information on the XXXX student loans they were servicing. They reported that they had the loans in their response to my complaint. However, when i contacted them again, they stated they did not have the loans. Now, I am being contacted by a debt collections agency for payment in full of {$26000.00} for these loans. NCT never gave me the opportunity to make payments after my bankruptcy ended in XX/XX/2016 before the loans were sent to collections.
Consumer complaint received 2024-01-17
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. (LA)

I filed several disputes with XXXX and Equifax asking them for the documents after the investigation. I sent them my police report and FTC report. This accounts were removed from my XXXX report after I disputed them.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I never went to college, but I have 2 opened accounts, from the same loan company, but different amounts of what's owed. The consumer reporting agencies need to report all information with complete accuracy. This account is not mine. Ive attached a copy of my report to this complaint on the following dates XX/XX/07 for each one. I'm now requesting you investigate and provide verifiable proof with records showing that I had these loans. If this information can not be verified. I demand these loans be updated and removed immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (IL)

This is a follow up from a previous complaint that is listed as closed with feedback, but the response did not actually deal with the majority of the complaint, and apparently there is no requirement for them to do so. 

My initial complaint was about an AmEx dispute with XXXX XXXX where I had been offered an upgrade for a flight, only to be told after a " no refund '' purchase that it only applied to one  leg. AmEx alleged they disputed the charge, and yet when I repeatedly demonstrated that the response from the airline did not actually provide evidence contrary to what I said, AmEx took the view that the airline was their customer too, and acted to protect that relationship. Looking back, they probably knew that the regulatory mechanisms to hold them accountable were a joke and acted accordingly. 

I subsequently gained further information from the airline wherein it is clear that AmEx did not provide them with pertinent details of my dispute. So in addition to accepting a response that did not actually address the dispute, it turns out they didn't even try to investigate the dispute properly from the start. They sent a generic reasoning to the vendor, without outlining that my complaint was specifically relating to being offered an upgrade for the whole flight and receiving only one leg of the flight. It is fairly clear that what they send to the vendor is generic, but if they didn't even provide this information from the start, how are they then saying that the vendor response has adequately dealt with this? And at what point is the CFPB going to actually refer this to the OCC for proper investigation? If a credit card company is very clearly just going through the motions of a legal obligation rather than actually following it and there is no accountability from a regulator, why would they stop?
Consumer complaint received 2024-01-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MA)

On XX/XX/XXXX, I was notified that my mortgage was sold to Community Loan Servicing. The payment that was to be posted ( and was cashed on XX/XX/XXXX ) was transferred to the new company and not posted by my original mortgage company. To date, the new company has proof that they received the payment ( on XX/XX/XXXX ), but refuse to post it to my account or give me credit on interest from XX/XX/XXXX when it was cashed. They refuse to provide an updated payment statement, amortization schedule ( showing the extra payment ) or a XXXX interest paid statement for the IRS. I have emailed and asked, repeatedly for them to find the payment but they refuse to start a search for it. I have an email from the old mortgage company to confirm that they have the money and that it should have been credited. The check was an auto-pay from my bank, cashed on XX/XX/XXXX in the amount of {$5600.00}. I have spoken with XXXX XXXX and XXXX XXXX and neither will pursue the payment. 

As of XX/XX/XXXX, I was one month ahead of schedule in payments. Community Loan Servicing debited my account on XX/XX/XXXX for an additional XXXX, XXXX payment. They tell me I am due to make another payment on XX/XX/XXXX but they have not posted the XX/XX/XXXX payment,. 

This company has had 440 complaints against them in your records and so I believe they use this stonewalling to make money on their daily investments. I would like to receive the credit of the entire amount against principal since they are still debiting payments on schedule.
Consumer complaint received 2023-04-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: SANTANDER HOLDINGS USA, INC. (NV)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not Account number I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payments transaction records from the creditor that would prove that my payment was not submitted on time.is my understanding that you must verify these items with the reporting agency .if they are unable to provide the proof or if lacking proof of these payments being late.please update my payment history to XXXX status paid as agreed never late according to consumer protection law.
Consumer complaint received 2024-01-17
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: Experian Information Solutions Inc. (MO)

Look at the evidence which was also forwarded to the DOJ. Clearly you can see this company is retaliating against me for filing complaints. In the screen shots provided that experian is absolutely not telling the truth. They closed this complaint FOR WAT YOU DID NOTHING BUT FURTHER DESTROY MY CHANCE AT GETTING A HOME AND THIS IS DONE ON PURPOSE
Consumer complaint received 2023-04-15
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. (NC)

The below listed accounts had violated my federally protected rights of privacy under 15 USC 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 Original Creditor : XXXX XXXX XXXX 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 XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX * 5 USC 1681, section 604 A Section 2 : also states, a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 crime, which add a date to the report by more than seven years. 15 USC 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 calls to believe that the information is in accurate.
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX  XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXX 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