davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (PA)

The companies that are involved are XXXX, Nelnet and FederalStudentLoans.gov. I went XXXX XXXX XXXX in XXXX, since the XXXX 's. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX and then XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There is no way I owe them close to XXXX. I am not a XXXX XXXX XXXX XXXX XXXX or anything at all like that nor does my XXXX  reflect that to warrant such a balance. In XXXX I reached out to XXXX as I was unable to afford the payments and was told that the only way I could apply for assistance was to consolidate my loans, they said they had to put the subsidized loans together and then put the unsubsidized loans together but not to worry it will only be XXXX payment. Now they ( Nelnet and XXXX ) are trying to charge me {$1000.00} dollars per month. I have been begging for them to answer me. How are they coming up that I owe XXXX. My XXXX was 3 years and my XXXX  was 1 year. I was an XXXX XXXX and split my time between XXXX XXXX XXXX XXXX XXXX. I have also been asking how will my payments be calculated with the XXXX plan, Nelnet told me to call XXXX XXXX told me to call Nelnet. Nelnet only puts you on hold just to never come back. XXXX sends you a company generated letter telling to you to contact Nelnet. Nobody wants to help, nobody cares. I feel like I am being taken advantage of and they are just tacking more money on top and then you are forced to pay it and they don't have to address it as long as they don't speak to you and continue to ignore your outreach.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (VA)

Hello, I came across an offer from Chase Bank online of {$900.00} when a new customer opened a new Chase Total Checking account and new Chase Savings account with qualifying activities. In order to avail of this offer, one had to provide one 's email address, which I did. Chase then emailed me the offer on XX/XX/year> which included a coupon code. The offer was valid through XX/XX/year>. 

In order to receive the {$900.00} bonus, one had to open the Checking and Savings accounts together. The Checking account needed to have direct deposit set up within 90 days. For the Savings account, a deposit of a total of {$15000.00} or more in new money within 30 days of coupon enrollment was needed, and a {$15000.00} balance for 90 days from coupon enrollment needed to be maintained. 

Both the accounts were opened on XX/XX/year>. 

I set up direct deposit into the Checking account within 90 days as required- the first direct deposit into the checking account was on XX/XX/year>. 

I deposited {$15000.00} into the Savings account within 30 days of account opening i.e. on XX/XX/year> and maintained the {$15000.00} balance for more than 90 days - through XX/XX/year>. 

When I emailed Chase on XX/XX/year>, I was initially told they were unable to add the coupon code provided to qualify for the cash bonus promotion the coupon code has to be applied to the account within the first 21 days of opening the account. 

On XX/XX/year>, I emailed them back requesting them to further investigate the issue since I completed the qualifying activities as was requested using the coupon code. I was told my issue was forwarded to the research team to investigate and they would respond within 5 to 7 business days. 

On XX/XX/year>, I followed up and included the email that Chase sent me which had a green button which provided a link to open the accounts. Below the Green button it mentions " Coupon code applied when you click Open both accounts. I assumed the coupon code would be automatically applied as was indicated by Chase, since I clicked on it to open both accounts. I was told they are still investigating the issue. 

I have included the email of the bonus offer and a screen shot of the Green button. 

Thank you.
Consumer complaint received 2024-05-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (CO)

I have been making my payments to Flagship credit on time, I've even made extra payments to lower my balance. The last time that Flagship has reported my balance was on XX/XX/XXXX of {$11000.00} it is now XX/XX/XXXX and my correct balance is {$8700.00} I have called multiple times to get this corrected. I called in XX/XX/XXXX and was told by one of their employees that I need to file a dispute with the credit agencies. I did that and the dispute results came back with nothing changed. I called again, and they finally opened up a ticket on XX/XX/XXXX. I since then filed another dispute with the credit agencies and received the results on XX/XX/XXXX with nothing changed. I called flagship credit today XX/XX/XXXX and spoke to an agent and stressed to them how urgent this is and how it's been a year since they have reported the correct information. The agent I spoke to said that I need to wait 30 business days from the date they opened the ticket on XX/XX/XXXX which will make it XX/XX/XXXX when I find out if they updated my information to the correct amount. They reason why they said is because they had a system change back in XX/XX/XXXX.
Consumer complaint received 2023-11-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NC)

I was added to a group called XXXX XXXX XXXX on XXXX on XX/XX/XXXX. In the group, the leader XXXX would share news about the cryptocurrency market and share a daily trade to make on the platform. He would tell what token to use, trading direction, margin and multiplier to use. Then he would tell you when to close the trade on the platform. This continued almost every day and after following for a couple of weeks I decided to try the trades so on XX/XX/XXXX I transferred {$1000.00} into XXXX and then to CXIPro to trade on XX/XX/XXXX. I traded for 4 days in a row and then on XX/XX/XXXX during the trade I lost my money and they said it was because I used too high of a margin. They asked to transfer more money in and throughout the process I did transfer {$11000.00} on XX/XX/XXXX, {$10000.00} on XX/XX/XXXX, and {$100000.00} on XX/XX/XXXX. I ended up losing my money again on XX/XX/XXXX. I was obviously upset and decided not to invest anymore but XXXX kept contacting me and told me she would guarantee I wouldnt lose if I followed the trades exactly and if I did lose then she would replace my money. I ended up investing {$100000.00} on XX/XX/XXXX and {$25000.00} on XX/XX/XXXX. On XX/XX/XXXX after following a trade exactly, the account value was again lost. When I reached out to XXXX to let her know, she tried to make excuses and avoided the question of replacing my funds. After several attempts by me to contact her, she didnt respond but instead removed me from the trading group. 

Event timeline DESCRIPTION DATE First date of Transaction XX/XX/XXXX Last date of Transaction XX/XX/XXXX INCIDENT INFORMATION Trading Platform Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lost cryptocurrency Approx. XXXX XXXX Lost amount USD {$240000.00} Total lost approximately {$310000.00} I hired XXXX XXXX XX/XX/XXXX to help track where the funds went after being removed from my wallet. 

Their crypto-forensic investigations tracing solution is also used by law enforcement to investigate suspects of cyber-crime in the crypto economy and track stolen funds. They track specific crypto addresses, transactions, and entities, and investigate links to real-world bad actors. XXXX XXXX crypto forensics investigators are savvy at scrupulously tracing and mapping activity on blockchains and figuring out where the money is located. They have tracked the money to current wallets which I can provide to you if you can help ask for the XXXX information of those wallets and help recover the money or put a stop to this scam. The wallets are in coinbase, XXXX XXXX XXXX
Consumer complaint received 2023-08-07
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. (AR)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AR XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX.
Consumer complaint received 2023-08-07
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. (VA)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX*Balance Owed : {$19000.00}.
Consumer complaint received 2023-06-05
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. (CA)

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX : {$260000.00}
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX  Account number : # XXXX Account name : XXXX, XXXX. 
Account number : # XXXX Account name : XXXX XXXX XXXX  Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXXXXXX XXXX  Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX  Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX Account number : # XXXX Account name : XXXXXXXX XXXX XXXX XXXX  Account number : # XXXX Account name : XXXXXXXX XXXX XXXX XXXX  Account number : # XXXX XXXX XXXX XXXX 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 7 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.

15 U.S.C 1681 b- permissible purpose.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally complain about the persistent and unresolved issues I have encountered while attempting to remove fraudulent items from my credit report. Despite many multiple attempts to rectify this situation, the fraudulent information continues to negatively impact my creditworthiness. 

I have diligently followed the dispute resolution process outlined by your agency, submitting detailed explanations and supporting documentation regarding the fraudulent items in question. Unfortunately, these efforts have not yielded the desired results. The fraudulent information remains on my credit report, causing undue harm to my financial standing. 

I have attached copies of my previous dispute submissions, along with the supporting documentation, for your reference. It is disheartening to note that, despite my compliance with the established procedures, the fraudulent items persist. 

I kindly request an immediate and thorough investigation into this matter. I expect your agency to take prompt action to rectify the inaccuracies on my credit report and to provide me with a written explanation of the steps taken to resolve this issue. 

Furthermore, I urge your agency to implement measures to prevent the recurrence of such issues and to ensure a more efficient and effective dispute resolution process for consumers. 

If this matter is not addressed promptly and to my satisfaction, I am prepared to escalate my complaint to relevant regulatory authorities, including the Consumer Financial Protection Bureau. I believe in the importance of a fair and accurate credit reporting system, and I trust that your agency shares this commitment. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-21
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)

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
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: EQUIFAX, INC. (FL)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect, The personal data reporting is inaccurate. 

XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-02-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (TX)

On XX/XX/2023 I made a transaction from my bank account {$1000.00} to Cypto app to transfer to XXXX exchange webinar. I was convince that we were making a good trades. I was told to put a more money in because there was a good deal coming up. so put more on Coinbase app on XX/XX/2023 to move over to XXXX. after making a good trades i was told to put more money in to the exchange another total of {$9900.00}. When doing the trades and made about XXXX millions USDT. When I was doing a withdraw i was told to pay the audit fee within 7 days or i will face fine and credit damage. In order to pay the audit fee i have pay for it by do the transaction for external wallet ( Crypto, Coinbase ) transfer to exchange. audit fee is total is {$26000.00}.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2023-08-07
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: CarMax, Inc. (GA)

In accordance with fair credit reporting act XXXX XXXX XXXX has violated my rights They passed my information to a third party XXXX XXXX XXXX 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 instruction
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

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 2023-11-21
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Albert Corporation (TN)

I noticed a charge pending to my bank account on an app that I had a free trial with but do not use ( Albert financial app, which claims to be insured by the FDIC ) I immediately went to cancel the subscription and ask for a refund since I did not find use for their financial services. When I canceled, I received a response your subscription is canceled and you will not be charged. Under the impression that the pending charge would be dropped, as is very common with subscription services canceled before being used, I deleted my account. Unfortunately the {$14.00} subscription fee still went through after pending. This caused a {$35.00} overdraft fee. The fee put my account further in the negative. I then incurred another overdraft fee from a subscription ( {$1.00} ) that I had planned for. This {$1.00} then caused a new {$35.00} overdraft fee. Albert support claims there is nothing they can do since my account was deactivated. i asked to be escalated to a supervisor. This app is supposed to help financial consumers but instead it makes the financial hardships increase. After messaging all day and only being offered a refund of {$14.00} ( which didnt even go through ) I decided to file a complaint.
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

I started in XXXX COVID loan forgiveness program, I have the qualifying 120 month/10 years with non-profit employment, i have been told several times my load was forgiven, I was with Navient, XXXX XXXX Services XXXX XXXX Mohela. I have a XXXX page track record of everyone I have spoken to in Mohela, I was told they are processing my information but I needed to email my XXXX 's which i have done 8 times, they are not located so I email again, I am getting the run around half the time i feel the person I am speaking with has no idea what to tell me. the last time I called I was on hold for XXXX XXXX hours before I could speak to a supervisor, I spoke XXXX XXXX XXXX case # XXXX was asigned to me said check in of XXXX I should be getting a letter forgiving my loan, did not happen, I spoke XXXX XXXX - XXXX XX/XX/XXXX Resolution team, she promised me my loan will be forgiven because I have 120 month/10 years full time employment, said she would call/email process within 30 days this did not happen, I spoke to XXXX ( employee XXXX XXXX ) - supervisor end of XXXX after waiting XXXX XXXX hours said i need to email XXXX XXXX yet aging that was the hold up, I asked her why the last supervisor XXXX said everything was XXXX place my loan was forgiven, XXXX said they do not have an XXXX XXXX, XXXX XXXX XXXX would XXXX me XX/XX/XXXX letting me know I was approved, she promised me several times she would not let me down, she did no call. I am paying {$17.00} a month, back in XXXX i owed less than {$8000.00} now it's over {$23000.00} with the interest rate and who know what ever charges I have, this is so wrong, I am very educated on the media with Mohela not using the COVID funds properly, I need help I need to know who I can speak to that will review my case and see that I have been scammed, please, please help me I need your help.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.