davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

On XX/XX/XXXX I reached out to Coinbase regarding a Fraud and theft of my assets on my Coinbase account and they refused to investigate and fix the issue. I have contacted Coinbase regarding a Fraud/Theft again in XX/XX/XXXX and yet nothing was done to help my case. As a consumer, my right of protection and to be insured against any illegal activities with Coinbase was violated. I have not initiated or authorized any such transactions, and I am deeply concerned about the security breach. I request your immediate assistance in investigating and resolving this matter. I have taken the necessary steps to secure my account by changing passwords, but I believe it's crucial for Coinbase to conduct a thorough review of the unauthorized transactions.Please provide guidance on the steps I should take to recover the lost funds and enhance the security of my account. Additionally, I would appreciate regular updates on the progress of your investigation.
Consumer complaint received 2024-03-05
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. (TX)

FCRA Violations Hippa Violations not mine XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX not my addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX type Apartment complex XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single family XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type Apartment complex not my phone numbers XXXX XXXX not my XXXX places XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX not my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2024-03-05
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

I have a current monthly payment of {$550.00} that is due on the XXXX of every month, due to being stuck on the SAVE plan through Mohela with a high income. In the beginning of XXXX, I applied to switch to the standard repayment plan and was told I would receive notification within 5-7 business days whether I had been approved. I have not received anything in writing and there is no evidence anywhere on Mohela that I have requested to switch plans to the standard plan to bring my payment down to {$170.00}. I have reapplied as of today, and have spent two hours on hold with Mohela before being disconnected.
Consumer complaint received 2023-05-24
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : DEPTEDXXXX XXXX
Consumer complaint received 2017-05-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY (TX)

i had call wells fargo bank back when i get hurt at my job  XX/XX/XXXX  but i call around  XXXX / XXXX / XXXX  to tell i get hurt on the job if i can have a do payment plan bacause i was work 's comp i could n't paid the full payment they said i could n't do have payment plan i told i would what give sent   XXXX   or money i had Then start they never sent me letter until resent harassment me by leaving note on door later at nigh  XXXX    XX/XX/XXXX  and    XX/XX/XXXX  then call wells fargo talk to   XXXX   XXXX   she rude to me then said she did n't care what kind of problem or injury i had to paid my credit card that 's my problem i tell have do n't have job that i was injury she said you get to paid it that 's your problem!!! I told them i try work out payment plan they didnt want when i call first time i get hurt Now they come to my house some person give me letter  XX/XX/XXXX  saying the letter sued me for defendants accessed the line of credit not paid case number  XXXX  which have paid  XXXX  when extra money now they are taken me to court i am still work 's comp i lost my sister  XXXX  ago i help paid for funeral then mother before my sister i i had the money i would my bills do n't money i did n't job i am injury i lost everything!!! My another credit card i sent what i can Please let me know what they said My email is  XXXX  XXXX  XXXX  Thank You for please me  XXXX   XXXX   XXXX
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi, I have been trying to resolve this situation for the past three months and it has not been, successful. I have incorrect inquires on my Transunion credit report from date XX/XX/2021, XX/XX/2021 & XX/XX/2021. I made it clear to Transunion numerous times, send out three letters via certified mail, stating that I have not made any inquires on my credit report for the above date. I have been unsuccessful with getting a resolution for these unauthorized inquiries. 

I have two incorrect inquiries on my XXXX credit report from XX/XX/2021. I have made numerous attempts by sending letters via certified mail to XXXX to remove these inquiries from my credit report and it has been unsuccessful.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (NC)

Hello, I wouldnlike to submit a grievance regarding the misconduct of XXXX supervisors XXXX behavior today. Around XXXX XXXX  i called XXXXavy Federal regarding {$130.00} being transferred wothout my authorization for transcations that were already paid for. When askjng the supervisor to escalate the incident, he refused and insulted my XXXX  as well as my XXXX. I spoke to XXXX anither supervisor regaridng this and she said that she would have the phone call and conduct of the agent reviewed and my claim was escalated. At XXXX, expecting this to be a resolution to the money being transferred without my authorization. I got a call from supervisor XXXX reprimanding me regarding the phone call where the agent was disrespectful to me. She was very rude, tried to provoke me with disrespect and ignored my XXXX XXXX as well as banking needs. I would like this phone call reviewed and a solition update in writing. I would also like my claim regarding unauthorized transfers reviewed.
Consumer complaint received 2024-03-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (LA)

I an XXXX XXXX military and XXXX XXXX XXXXXXXX. Tried to contact the company regarding the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Since I am XXXX XXXX and XXXX XXXX XXXXXXXX  I should get my loans redeuced to 6 % and get reimbursed for the previous amount I have been paying over 6 %. 

I have tried contacting navy federal and they are getting it confused with the SRCA. This is different than the SRCA. They told me I couldnt do anything about the high intrest I was paying. 

I have attached the statue and my XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-12-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC (TN)

On XXXX XXXX, we received an assumption package from Selene Finance to start the assumption of this loan. All requested documents were sent back to Selene Finance at the email address on the letter on XX/XX/2022 ( XXXX ). After no reply, we sent an email asking for confirmation to no avail. We called on the same date and was told they did not see anything in the system but would have a supervisor reach back out to me. No Call back from anyone. I sent another email on XX/XX/2022 with the same exact message asking for someone to confirm receipt of documents. I also called on the same date, but was told it could take 60 days for someone to reply. On XX/XX/2022, I sent another email asking for someone to reply if they have received the email and called. This time, the representative said she was not sure what had happened with the documents and asked me to call back at the end of the week. I gave them more time and called today, XX/XX/2022 and was told by the XXXX representative the loan was only assumable if XXXX of the parties on the loan was deceased. I called back and was told I POSSIBLY sent the documents to the wrong email address. I was advised to resend the docs to XXXX in which I did. If this loan was close to be foreclosed on, we would be headed there swiftly.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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.

The letters are stated with items and issues.

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 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I was told that I can not use my credit card due to too many payments. I often use my credit card because I dont like to use cash. In a 12 day span I made 4 payments. I recently made a payment that placed my account on a 26 day hold and I was told that the funds wouldnt be available until XX/XX/XXXX.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Account # XXXX XXXX XXXX XXXX Statement date XXXX XXXX XXXX, XXXX Transaction Date XX/XX/XXXX Payment Adjustment Reference Number XXXX Account Number XXXX Amount {$1900.00} A payment adjustment of {$1900.00} was charged against my credit card account. I have no knowledge of this transaction. I have been trying since XX/XX/XXXX to resolve this with Bank of America Account # XXXX XXXX XXXX XXXX Statement date XXXX XXXX XXXX Transaction Date XX/XX/XXXX ACH Payment Refund Reference number XXXX Account number XXXX Amount {$2000.00} A payment adjustment, identified as ACH Payment Refund of {$2000.00} was charged against my credit card account. I have no knowledge of this transaction. I have been trying sinice XX/XX/XXXX to resolve this with Bank of America. 

This is the same account. The account number was changed by Bank of America because of fraudulent activities on the credit card.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (CO)

I am writing to dispute a late payment on my credit report that is inaccurate. The account in question has been paid in full and closed of XX/XX/2019. Yet the late payment is still reflecting on my credit report through your agency as a result that DEP OF ED/AIDVANTAGE has stop reporting late payment to the credit bureaus. 

The student loan agency responsible for reporting this information stopped reporting it as ofXX/XX/2019, as the account was paid in full. Therefore, there is no reason for the late paymentto still be reflected on my credit report. 


Furthermore, XXXX, XXXX, and XXXX, is showing multiple accounts for the same late payment, which is impacting my ability to move forward with purchasing a home. I am in the process of trying to buy a home, but this erroneous information on my credit report is hindering my progress. 


I kindly request your assistance in resolving this issue and having the late payments removed from my credit report as soon as possible.
Consumer complaint received 2024-03-04
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: MOHELA (TX)

XXXX XXXX  predatory lending practice XXXX haven't got a notification or refund. This school promise to have a job in my field and making the money in six months. 
This was suppose to be remove completely off my credit and it hasnt
Consumer complaint received 2022-11-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BARCLAYS BANK DELAWARE (CA)

I requested a balance transfer over the phone to Wyndham Credit Card Barclay in the amount of {$10000.00} on XX/XX/22 to my uncles business account at XXXX XXXX  XXXX. 

They state that the amount was processed and the money was sent, but this is not the case. I was told the transfer would go through in 5-10 business days. That never happened. 

I was told on XX/XX/22 that the amount was sent to a different account ( my XXXX  personal checking ) - and that was not accurate to my XX/XX/22 request. So the representative submitted an escalation of the issue. According to representatives since then- the original balance transfer request was correct to my uncles account. 

I have called repeatedly and I get a different answer every time. The most consistent answer is that I have to keep waiting for resolution. 

As of today, no money has been transferred to either of the 2 accounts, but I have a charge on my credit card for {$10000.00} plus {$300.00} fee. The first payment will be due on XX/XX/22 and no one can tell me why Im being charged if no money has been exchanged. They insist the money was transferred, however this is not correct. XXXX XXXX XXXXXXXX was contacted and they do not have any evidence of a transfer. 

XXXX will not allow me to speak with anyone above an account manager and can not answer my questions. I was told to wait 7-10 days for a letter. After that time passed, they changed the number of days to 30 days.

This is a trend, every time I would call I would get different answers as to when the transfer would happen. 

I need help, today is XX/XX/22. I am being charged for funds that were not transferred. At this point I do not want to do business with this bank. I would like all of this reversed.
Consumer complaint received 2022-11-27
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. (GA)

I asked Experian for validation for multiple inaccurate accounts that I noticed on my credit report. They still report these accounts every single day and its causing a problem to my health.
Consumer complaint received 2017-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (OH)

I had a complaint filed with PNC BANK in XXXX XXXX they closed the account - they said my name was OFF the PROPERTY. I just got another BILL from PNC for property insurance & flood insurance. I got a bill XXXX XXXX XXXX and I thought that was the last one- XXXX XXXX XXXX PNC said she took care of the matter and I get ANOTHER BILL! this nightmare will NOT END! my stress level is over the top!. I just emailed XXXX XXXX and posted on PNC Bank XXXX page plus contacted XXXX XXXX XXXX 's office - they are who got me to you to begin with. this is what I sent XXXX XXXX & posted on facebook : well I thought the matter of my name being attached to the flooded unlivable property at XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX was taken care of?!! I got ANOTHER BILL for insurance on the property in MY NAME!! 
I leave in the morning to visit my in laws - this is a just another great timing on PNC behalf! 
I will contact the consumer finances AGAIN! AND ANYONE ELSE - maybe the NEWS Stations can will be able to get this taken care of- if not i 'm sure there is an Attorney out there- i 'm sure this falls under HARRASSMENT of some type! 
I would think in all this time I have made phone calls, PERSONALLY went to the local branch, emails, and YOU giving me your word you would see to it this matter was taken care of that there should be XXXX person that can do their job and get MY NAME OFF THIS UNLIVABLE PROPERTY THAT WAS FLOODED IN XXXX XXXX & XXXX PAID NOTHING- OUR HOMEOWNERS INSURANCE PAID NOTHING - WE LOST EVERYTHING & THE HOUSE HAS TO BE TORN - IT IS NOT FIXABLE NOR LIVABLE! PNC BOUGHT THIS HOUSE BACK AT SHERIFF AUCTION GET MY NAME OFF IT! 
HAVE A REAL GOOD DAY- PNC HAS COMPLETELY TURNED MY DAY TO A XXXX ONE ONCE AGAIN! 
THANKS FOR NOTHING! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX FLOOD HOUSE XXXX OWNS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXXXXXXXXXX I will not answer phone calls from PNC for 2 weeks as I will be with my family - email is just fine!
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I do not recognize any of the following hard inquires and I'm asking that they be removed : XXXX 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.
Consumer complaint received 2024-02-25
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: MOHELA (VA)

Borrower Defense # XXXX. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX # now ( Mohela ) Parent Plus Loan for XXXX XXXX XXXX. Attended XXXX XXXX  XXXX XXXX XXXX XXXX. I filed DTR on XXXX due to fraudulent employment claim and unaccredited school. ( XXXX ) Received letter of approval. Loan is still in my credit file. Please remove inaccurate data. Contact XXXX in Virginia. Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-21
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. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX