davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NJ)

I sold {$300.00} worth of XXXXXXXXXXXX on XXXX XXXX. After the 3 dollar fee, I should have received {$290.00}. The XXXX wallet STILL shows this as pending to this date even though the 'arrival ' date STILL shows as Monday, XXXX/XXXX/XXXX. Obviously, that didnt happen It has now been 16 days for something that should have been relatively instant. 

I 've called over 11 times, emailed, tweeted, and have created tickets to no avail.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

In the past XXXX weeks I have deposit my payroll checks after getting approved they will send me an email with in the XXXX hours saying that my funds are on hold for up to XXXX  days for security purposes, they won't explain the reason just that their policy changes and I have to wait, this happen before everynow and then but this is the second time in a row that has happened, I ask if this is going to continue to happen all they say was we can't promise it won't. I try explain that my mortgage is due and I needed to make my payments they told me it's not a problem to then since I should have make sure funds were available before making any payments. I ask them why is this happening and they say it was for to make sure checks were pay I remind them that those checks are my payroll payments and has been for the past 4 years and never have a problem I reach out to my payroll department and they confirm that it's not on there end I try many times to get this fix and they just said the hold will stay for security reasons no other explanation.
Consumer complaint received 2023-02-01
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. (MA)

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 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 2022-06-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Lending Services LLC (NJ)

I've been a victim of identity theft, serval accounts have been open frauduelnt by some one who stolen my identity, fraud account reporting to my XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX GLOBAL LENDING SERVI XXXX {$6600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX $ XXXX
Consumer complaint received 2023-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have accounts on my report that I have disputed because they are being reported as closed AND written off. How can you report any account as written off yet still report as money owed. Also all they do with each account is update the date and nothing else. These accounts are not being looked into, just updated.
Consumer complaint received 2023-05-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA INVESTIGATED FRAUD CHARGES IN MY FAVOR. {$470.00} XX/XX/XXXX see attatched Fraud letter dated XX/XX/XXXX. USAA documents after investigation with merchant Disputes listed see attatched statement XX/XX/XXXX * SAME CHARGES ARE NOT IN MY FAVOR. They INCLUDE ALL XX/XX/XXXX XXXX CHARGES. XX/XX/XXXX Transactions listed on attatched XX/XX/XXXX statement Transactions to include NEW PURCHASES of XX/XX/XXXX ( ref # s begin with letter F ) USAA can view them on line on these two statements XX/XX/XXXX listed without F in ref # and XX/XX/XXXX. ( F ) ref # s XXXX. USAA LISTS AS NEW PURCHASES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attatched statement XX/XX/XXXX Transactions ARE THE SAME USAA INVESTIGATED AS ( UNAUTHORIZED FRAUD * IN MY FAVOR ) and never paid USAA CREDITS. see statement of merchant credits ONLY. How could they also have ( INVESTIGATED THE SAME CHARGES AS DISPUTES * NOT IN MY FAVOR??? ) USAA INVESTIGATIONS CLEARLY ARE DISHONEST! Also KINDLY NOTE BOTH STATEMENTS ONLY LIST MERCHANT CREDITS APPLIED ** NO USAA CREDITS.
Consumer complaint received 2020-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

As of today XX/XX/2020 my son and I have not received XXXX statement. It is due XX/XX/2020. 

XXXX statement due XX/XX/2020 was received on XX/XX/2020.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AK)

I believe that I may have been charged overdraft fees or insufficient funds fees illegally by Wells Fargo between XXXX and XXXX. I called Wells Fargo to discuss this and they said they could only review my account over the past 180 days. I asked if they could tell me what fees were charged in the past 7 years and they said I would need to file a complaint.
Consumer complaint received 2023-02-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

I have informed carrington that my home owners insurance isn't going to renew my home owners insurance this year. But XXXX still went ahead and pay my former insurance company {$7400.00} which I told them not to do in the insurance department. They were already well aware of my home owners insurance not renewing & I have a new home owners insurance company. I have a letter from XXXX stating they are not renewing it this year.
Consumer complaint received 2022-05-18
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. (IL)

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax you are reporting incorrect information on my credit report you are reporting that my high balance is XXXX $ For XXXX XXXX and XXXX is my high balance is XXXX $ it can only be one or another please delete all inaccurate information Immediately
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

I have been in the foreclosure process in New York State since XXXX. 

I had a well-performing ( perfect, in fact ) mortgage from the XXXX inception until the servicing rights were sold to XXXX XXXX XXXX XXXX XXXX ( XXXX ) just before the original lender/servicer ( XXXX - the old one ) went under in XXXX. 

XXXX was the subject of a CFPB consent order and no longer services loans. I believe that my experience with them was a slightly different scam ; the ones the consent order dealt with involved problem or non-performing loans ; in this case they took steps to ensure that my loan became non-performing. More details forthcoming if needed. 

After damaging my account, XXXX promised they would modify my loan but I would have to stop paying which I did in XX/XX/XXXX. I have made no payments since then. 

The foreclosure case continues ; I answered it and successfully defeated summary judgment motions because so far the plaintiff can't prove that they had standing to sue me. 

I have never engaged in any modification plan or other payments. There is litigation going on ; I appear to be winning ; the Statute of Limitation ( SOL ) on the debt expired in XXXX and if I can defeat the Plaintiff it may be difficult or impossible for them to turn around and sue me again. If I make any payment to them, it destroys my SOL defense. I did not and would not do that. 

The current owner of my loan is XXXX XXXX XXXX The servicer is XXXX XXXX XXXX ( the furnisher of the bad credit information ). 

I have rebuilt my credit and had a FICO credit rating with all three CRB 's around 720-750 and growing. 

Suddenly early this month I got an alarm from two of the three bureaus, Equifax and XXXX, that my score had decreased 75-100 points. 

XXXX had reported to the two that I had engaged in a modification starting in XXXX ( had not reported this purported transaction until recently! ) that was paying as agreed but that the overall account was worth over {$1.00} XXXX and was 120+ days in arrears. 

None of this is true. This account should not have been reported to the CRBs after XX/XX/XXXX. 

I took the following immediate steps : Faxed a letter to XXXX demanding that they correct the error. Had my ATTORNEY fax a letter to the lawyer for XXXX/XXXX   that it appears retaliatory and should stop forthwith. 

I disputed the claim with both CRBs. They appear in no hurry to correct the errors. 

So far, 10 days have passed and no answer to my letters and no resolution to my issue. 

OH ... this is the SECOND TIME this has happened. It happened in XX/XX/XXXX as well, and was corrected at that time.
Consumer complaint received 2022-05-18
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. (IL)

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (PA)

Aidvantage is acting in non-complaince with the CARES act and exercising willful negligence.. I am having issues communicating with Aidvantage. I called multiple times during different times of day to both the general customer service number, XXXX, and the XXXX XXXX number, XXXX. Both times I was put on an automated hold and waited for 5-15 minutes before I was hung up on and an automated service told me to leave a name, number, and the name of the specialist I was looking to speak to. This is obviously being done intentionally to stall out this process longer. I submitted my refund request in XXXX, XXXX weeks ago, and I am looking for answers. I do not have a refund, and my loan balances on my Aidvantage and XXXX home pages have still not even updated. I have a letter stating that my refund was submitted by Aidvantage on XX/XX/XXXX so why hasn't there been an update? I want Aidvantage to update my loan balance to reflect my amount being refunded, {$18000.00} within the next 15 days. I want Aidvantage to confirm that my request was fully processed and submitted to the XXXX, as well as the date it was submitted to the XXXX. I want Aidvantage to escalate and expedite my case in order for the XXXX Treasury to deposit my refund ( {$18000.00} ) no later than XX/XX/XXXX.
Consumer complaint received 2023-08-28
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: McCarthy, Burgess & Wolff, Inc. (GA)

I recently moved from Florida. I must have not paid my last constellation energy Bill as I received a note in the mail regarding the outstanding debt. Since it was only {$110.00} I attempted to pay. 

I had received the letter from Mccarthy, Burgess & Wolff. They stated I could pay XXXX regarding acct. XXXX or XXXX The website would not let me enter despite putting in my XXXX, SS # and Acct. #. 

I called the company and at first they tried to get me to pay over the phone. I told them I wasn't comfortable and please help me pay online. They transferred me to someone else, who again tried to convince me to pay by phone. I told them again I wasn't comfortable. 

I then was transferred again and the gentlemen on th ephone tried to direct me to a different website then was in their letter. 

I told him I felt uncomfortable with that and I told him to let me know when the accept online payments, but until then please don't bother me. 

He let me know it was a debt I owed and had to pay, I told him the only reason I hadn't paid was because his company could not provide the payment opportunities that were promised in his letter. 

I then emailed the help email for payments and I received a XXXX XXXX.
Consumer complaint received 2023-05-31
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)

On XX/XX/XXXX I submitted a complaint to Experian about multiple inaccuracies on my credit report. They received my complaint on XX/XX/XXXX and responded that the information appearing on my credit report was verified. I believe this to be untrue because XXXX and XXXX both display different information from Experian. 

XXXX acknowledged the information was inaccurate on my report and XXXX removed all of the inaccurate information. My credit report as of XX/XX/XXXX has the same inaccuracies from XX/XX/XXXX. Experian did not take the necessary steps to verify my credit profile contained accurate information nor did they remove it per my request. 

According to 15 U.S. Code 1681 ( b ) It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Also according to 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2017-05-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On   XXXX   XXXX   XXXX  , I filed a complaint with the CFPB re :  XXXX . It is now   XXXX   XXXX   XXXX   and you have not followed the guidelines of the FCRA or FDCPA which allows 30 Days for your company to respond to the complaint. By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney  Generals of fice, should you continue in your noncompliance. I further remind you that, as in  XXXX  v.   XXXX   XXXX   XXXX  ,  XXXX .  XXXX  ( C.D.Cal.   XXXX   XXXX   XXXX   ), you  may be l iable for your willful non-compliance. As you have now violated federal law, by not properly investigating within the required time-frame, and I have evidence of such, via the CFPB website.You must now remove the items. I am filing a lawsuit against your company. I would be seeking {$1000.00} per violation for  : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act These are the accounts that I demand removed : 1. Chapter  XXXX  Bankruptcy 2.Judgement   XXXX   XXXX   3. Judgement   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX  5.   XXXX   XXXX   XXXX    6.   XXXX   XXXX    XXXX  7.   XXXX   XXXX   XXXX   XXXX     XXXX  8.   XXXX   XXXX   XXXX   XXXX 9.   XXXX   XXXX     XXXX    10.   XXXX   XXXX     XXXX   11. XXXX    XXXX   12.   XXXX   XXXX   XXXX    XXXX  13. F  XXXX   XXXX    XXXX  14.   XXXX   XXXX   XXXX   XXXX     XXXX .  Please be advised I am also filing a lawsuit against your company for falsely reporting all of accounts above. None of my accounts end in  XXXX. Y ou are not showing the full account number, which can easily belong to another person. Therefore, since you are not providing the full account number that is considered false information. You are now also in violation of the FCRA providing false information. The Chapter  XXXX  Bankruptcy and the Judgements CAN NOT be verified due to the fact that in your verification, it is impossible, unless you file a motion to the court, to obtain my full social security number to PROVE that the judgements actually belong to me instead of someone else with a similar name. The court does not provide any information to the credit reporting agencies or third party data furnishing companies.
Consumer complaint received 2022-09-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NC)

I have had an Experian Identity Works Premium Subscription for approximately ( XXXX ) years and pay {$19.00} a month ; Member ID XXXX. On XX/XX/XXXX I reported Identity Theft and on XX/XX/XXXX, I was contacted by XXXX a Identity Theft Resolution Professional from XXXX, ext XXXX, followed by a email with all her contact details and went over all the support I would receive because I have the " Experian XXXX Works Premium Subscription. As of today XX/XX/XXXX. XXXX I have not heard from XXXX or anyone else in the XXXX XXXX XXXX XXXX In addition, I have phoned XXXX on her extension approximately ( XXXX ) times, emailed her ( XXXX ) times, phoned and spoke with a several customer service reps, the last being XXXX XXXX XXXX who phoned that dept while I was on hold and was not able to reach XXXX or her supervisor. I have called Experian well over ( XXXX ) times since reporting Identity Theft/Fraud and have sent hundreds of documents, liaisoned with my bank and my local police dept with absolutely no help from the Membership Fraud XXXX XXXX XXXX XXXX XXXX My membership comes with a XXXX XXXX XXXX XXXX, I've been paying for since XXXX.