davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (DC)

My complaint is about Coinbase, a digital currency platform.   XXXX   2017 I tried to verify my identification ( by uploading my Hawaii drivers license ) in order to increase the daily amount of bitcoin that I can purchase. However, because there is some issue with Coinbase not allowing Hawaii residents to open accounts, I became locked out of my account.
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The issue now is that every time I log in, I get this " unable to create account '' screen and I can not get to my dashboard to move my funds out and close my account. I do not have any issue with Coinbase not allowing Hawaii residents to open accounts. My issue is that I 'm caught in this catch 22. I want to move my funds out and close my account, per Coinbase 's rules, however, I ca n't get to my dashboard to do so.
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I 've been emailing Coinbase 's customer support almost daily since  XX/XX/XXXX  and have yet to hear a response. They do not have a customer support phone number. I have over {$1000.00} in my account which I can not get access to. It 's very frustrating and I 'm not sure how else to contact Coinbase.
Consumer complaint received 2024-09-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX Presume that no proof of alleged Debt, nor therefore any such debt in fact exists.
Consumer complaint received 2022-11-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (LA)

Ally financial has refused to give me the correct routing information to pay the loan off. Ive sat in my banks office with the branch VP on the phone with Ally and they just keep giving excuses on why they can not give me the routing number, they complain they can not hear me yet Ally is the only place I call where everything is garbled. I just want to pay this loan off, they can not accept a credit card payment large enough to pay it off without me making 3 separate payments over 3 days, all while they still charge interest!!! 
I have no idea how they are allowed to bully their customers!
Consumer complaint received 2023-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I was contacted by someone posing as a XXXX  XXXX XXXX ( XXXX  ) representative. The number they called from matched the one on the back of my XXXX debit card. He said that someone tried to use Zelle to transfer money from my XXXX checking account. To thwart the transfer, he said he would assist me in transferring the money back to myself. I realized this was a scam halfway through ( even though the text messages with verification codes that he was sending to my phone were sent -- like official XXXX texts -- from a five-digit number ). This resulted in {$2000.00} being transferred from my XXXX checking account via Zelle to this unknown individual. I immediately went to my local XXXX branch the same day ( XX/XX/XXXX ) and a staff member helped me call the XXXX Claims line. I filed a claim and am awaiting their judgment. However, I have seen reports that XXXX often declines to reimburse people who authorize a Zelle transfer as a result of fraud/scam. But it also came to my attention that in XXXX of XXXX, the CFPB made it clear that if a third party fraudulently induces a consumer into sharing account access information that is used to initiate an EFT ( electronic funds transfer ) from the consumers account, that does meet Reg Es definition of an unauthorized EFT. CFPB further states that when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E. '' If possible, I would like the CFPB to contact XXXX on my behalf and reiterate this position to the claims department handling my claim. Thank you.
Consumer complaint received 2024-04-19
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. (NJ)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Date of inquiry : XX/XX/year>
Consumer complaint received 2023-12-05
Product: Credit reporting 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)

XXXX XXXX XXXX XXXX, Experian, XXXX and XXXX are violating 15 USC 1666b. These companies are reporting inaccurate late payments on my consumer report.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

According to FCRA laws 15 U.S.C. 1681, there are items reported on my credit report that do not belong to me and must be removed. An FTC report has also been attached for items that does not belong to me. This is hindering me from buying a house and it is extremely frustrating.
Consumer complaint received 2023-11-01
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'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 2020-08-02
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: HCFS Healthcare Financial Services of TeamHealth (OH)

My name is XXXX XXXX and on XX/XX/2020 and XX/XX/2020 I sent a letter disputing a collection account asking for verifiable evidence that the XXXX collection accounts they are inaccurately reporting. The name of the collection agency is ARS Account Resolution, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida. The company has not been able to produce verifying evidence of the debt bearing my signature which is the legal way of a method of verification. They continuously send the same pre-drafted response.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2023-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

When the student loans were paused for COVID, I spoke with Mohela who told me to consolidate both my and my sons parent plus loans ( I am graduated but he is still in college ) into one so that I can make the most of XXXX loan forgiveness program. I was told that I would receive about $ XXXX off of my loan and my son would receive {$10.00} off of his. Therefore, I was told I would have a similar monthly payment to what I was already paying and the consolidation would allow all loans to be forgiven under the XXXX I had applied for upon graduation. I am a civil servant for XXXX years and had been at a non-profit for five years. I was told Mohela would credit from my XXXX XXXX until the pause was over as payments towards my PSLF. However, when XXXX plan failed I was left with this huge consolidated loan with payments that I now can not afford because they will be increased to over {$1200.00} per month once my son graduates next year. Additionally, my account shows that I have no credits towards my PSLF whatsoever. I am reading online now that to qualify for XXXX I must be on an income driven repayment program. I was never told this before. I am outraged by the misinformation and have reached out numerous times to Mohela, even leaving messages. No one calls back. When you do call, you are placed on hold for hours and no one ever answers. I paid my bill this month because I had no choice. However, I believe this is a tremendous injustice to those of us who are making decisions based on the information provided by our loan servicers. Then, after we are misguided, they take no accountability for their actions. I work hard as a civil servant. I took out tons of money for a degree only to have a job I get paid peanuts for. The one hope I had was supposed to be XXXX combined with relief from XXXX plan. I deserve answers. On top of this all, my son, who I have taken loans out for has XXXX and they have never told me about how his debt could be XXXX due to his XXXX.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

It has been a year now that I have been disputing these addresses that I do not know about and I have never lived at any of these addresses and they are fraudulent and incorrect for me and therefore they are affecting my credit report therefore I demand that they be deleted immediately of my credit report since they are affecting me and I have been disputing them for a long time and the credit agency that reports these false and fraudulent addresses is only EXPERIAN and I want them to resolve the problem of eliminating these addresses, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (MI)

This is my several 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

XXXX XXXX XXXX XXXX a fraudulent charge of {$800.00} on my bank of America card from XXXXXXXX XXXX XXXX  in XX/XX/22. Immediately I disputed it with Bank Of America and they temporarily refunded the amount as they reached out to the merchant. 
Bank of America responded XXXX and refunded the amount pending investigation. 
On XXXX Bank of America withdrew {$800.00} that they had refunded. They claimed that XXXXXXXX XXXX XXXX  provided proof of delivery. 
However NO Shipping Company wasTracking Information was provided. 

The email provided for the company is XXXX There was no CVV response provided. 
He claims it was processed though XXXX  and a processor called XXXX XXXX I haven't made any purchases with XXXX 
My card wasn't present. 

Bank of America is refusing to refund this fraudulent charge.
Consumer complaint received 2021-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

The complainant paid a deposit of {$40.00} via cash app on or about XXXX to a XXXX XXXX. Ms. XXXX uses twitter to fraudulently advertise her self as a model. Once deposit is made she then blocks the individual on XXXX. cash app was notified of the issue, but has failed to do anything about and to continue to allow her to use their platform to defraud people.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have disputed the reporting of my XXXX loan XXXX different times. They have not sent any results back. They did not conduct an investigation. The first dispute ( XX/XX/23 ) was " Under 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - Update Account to NEVER late '' was never investigated. the company did not respond. The second dispute was send on XX/XX/23. The dispute reason was " Under 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - You did not enter a notice of dispute. You are in violation of FCRA.- Update account to NEVER late. '' AGAIN the company did not respond. My dispute status was never changed and I received no results from the investigation. My THIRD dispute was sent on XX/XX/23 and my reasoning AGAIN " Under 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - This is my third attempt at disputing the late payments on this account. There was a loan modification. You are violating the CARES ACT and FCRA by not entering a notice of dispute. Update my account to never late or I will pursue litigation. UPDATE TO NEVER LATE '' The company still has no responded or updated my dispute status. I recieved a loan modification over the phone for my loan due to having XXXX. The company is still reporting late payments! I want my credit score uopdated. It has dropped my score XXXX points!
Consumer complaint received 2024-05-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

On XX/XX/XXXX an email was sent out by the department of education, stating that because I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, my federal loans would be fully discharged due to the school being found guilty of engaged in unlawful conduct. During my time at XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I was told I would need to get a private loan because I was longer covered by the federal loans. At the time I was placed under some pressure to get the loans because a new quarter was going to begin. The school referred me to Sallie Mae, originally I was denied due to poor credit, I would later get approved after getting a co-signer. I would later get kicked out of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX due to longer being able to make payments to the school, I still had to pay the private loan which I did, made on time payments for the first 5 year, but the last 5 years were riddle with alot of life problems with sometimes having to choose to make the payment on time over taking care of my personal health. 

Below is a portion of the email, I will include a full screenshot in the attachment section. 

XX/XX/XXXX Dear XXXX XXXX : Subject : Student Loan Discharge Based on Borrower Defense Evidence You have been approved for debt relief under the Biden-Harris Administration ! This is part of the Biden-Harris Administrations commitment to delivering relief to borrowers whose schools engaged in unlawful conduct. 

The U.S. Department of Education ( ED ) has determined that the federal student loan ( XXXX ) you received to attend XXXX XXXX XXXX  on or after XXXX XXXX, XXXX, and on or before XXXX XXXX, XXXX, are eligible for a full discharge.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to correct or delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. I request for the third time that you provide the method of verification you used. Your response should provide : The name of the original creditor The address and phone number of the original creditor The name of the person at Experian who verified the dispute with the original creditor The documentation used to verify the dispute You have NOT provided me a copy of ANY original documentation ( a consumer contract with my original signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE or CORRECT all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be CORRECTED or DELETED immediately : XXXX XXXX CORRECT TO : NEVER LATE, PAYS_AS_AGREED, PAID_AND_CLOSED XXXX XXXX XXXX CORRECT TO : NEVER LATE, PAYS_AS_AGREED, PAID_AND_CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX : NEVER LATE, PAYS_AS_AGREED, PAID_AND_CLOSED SELF XXXX XXXX XXXXXXXX CORRECT TO : NEVER LATE, PAYS_AS_AGREED, PAID_AND_CLOSED XXXX XXXX XXXX CORRECT TO : NEVER LATE XXXX PAYS_AS_AGREED, PAID_AND_CLOSED XXXX XXXX XXXX XXXXXXXX CORRECT TO : NEVER LATE, PAYS_AS_AGREED, PAID_AND_CLOSED
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

It has been a year now that I have been disputing these addresses that I do not know about and I have never lived at any of these addresses and they are fraudulent and incorrect for me and therefore they are affecting my credit report therefore I demand that they be deleted immediately of my credit report since they are affecting me and I have been disputing them for a long time and the credit agency that reports these false and fraudulent addresses is only EXPERIAN and I want them to resolve the problem of eliminating these addresses, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : NAME : XXXXXXXX XXXX XXXX 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Experian, Please see below and attached - you need to remove myself as authorized user on the XXXX XXXX XXXX showing on my credit report - I have requested that and XXXX XXXX  has agreed. 

Please remove me as authorized user as soon as possible as this is damaging my credit. 

Attached to this are : - written complaint - drivers license, social security card, address - letter from XXXX XXXX  to remove me as authorized user. 

Please handle this as soon as possible.