davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-08
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (OK)

In late XX/XX/XXXX, Co-Signer received call saying account is past due by XXXX days. Multiple payment notices had been mailed to the account address which all stated the first due date was XX/XX/XXXX. A few days later Co-Signer received another call stating that the account was XXXX days past due. Multiple times logging into the account the online service portal shows that account was never past due nor delinquent on payments at anytime. 

Lender states that an automatic auditing system audited the account and flagged my summer XXXX course as being out of full time enrollment effectively terminating my 6 month loan deferment as of XX/XX/XXXX. Representative on the phone call confirmed that the bot errored in flagging the account and could see that in the fall XXXX semester I was in fact still enrolled in school fulltime and the account should not have entered into the 6 month period. 

On XX/XX/XXXX both the Co-Signer and my credit scores began showing that the accounts are behind payments by XXXX days. Disputes were filed with the credit bureau as well as a phone call to the lender. The lender confirmed, on a recorded line, that my account was not past due, was not delinquent by that of XXXX days or by any days and the first payment was due on XX/XX/XXXX. As well stated that the delinquency notices had been retracted from the credit bureaus/ On XXXX, XXXX, XXXX disputes with XXXX and XXXX  were " resolved ''. One account on TransUnion was updated as being nondelinquent while the others still show as XXXX XXXX XXXX  days past due. XXXX XXXX  dispute publication shows that the lender confirmed that account was delinquent by XXXX XXXX XXXX days with date of first delinquency being XX/XX/XXXX
Consumer complaint received 2021-05-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

On or about XX/XX/XXXX I rented a temporary mailbox service from The UPS Store located at XXXX XXXX XXXX XXXX Washington. DC. I paid a total of {$170.00} using my Wells Fargo XXXX card and I told the merchant I only needed the mailbox for NO LONGER THAN 90 DAYS - MAX! At the time of rental, they were quite discombobulated and disorganized and couldn't provide my mailbox number, the key. nor instructions on how to access the mailbox. I said to the clerk, OK ; I'll walk down to XXXX 's at XXXX XXXX and do some shopping and will stop by on my way back. She said that would be best given their disorganization and the long line extending down the sidewalk from their counter. Approximately 2 hours later still no keys, mailbox number, or instructions. I agreed with the clerk to come back later that afternoon before closing. It was a situation of the same kind ; no key, no mailbox number, and no instructions. I didn't like this. I tried back for 4 or 5 days with no success. At the end of that time I was traveling to XXXX Virginia to live on my farm for protection from Covid-19. One thing led to another including exhaustion from not being able to get my mailbox info, and I forgot about the mailbox until XXXX they started spamming me demanding that I pay them more money for the extension of my mailbox that they never assigned to me, nor provided a key or instructions. ( NOTE : it was not until they started spamming me that I learned my my mailbox number XXXX ) Initially, I let the costs slide until they became very persistent and rude on the phone. At that time I filed a dispute with Wells Fargo to get my money refunded as The XXXX Store 's manager, XXXX refused citing " no refunds ''. Wells Fargo denied my dispute for services I had paid for but never received and have subsequently closed my bank account citing the under The XXXX ' law i'm not entitled to a refund. I don't know how The XXXX law applies to my U.S. based account opened by me ( a U.S. citizen ) in Washington, DC. ( My guess is that the caller told me who called about the dispute identified herself as being in XXXX, XXXX XXXX XXXX. Since on or about XX/XX/XXXX The XXXX Store has spammed me ( at least once daily, sometimes more ) to pay an additional bill I've filed a complaint with the Federal Trade Commission about that abuse. For resolution, I want my {$170.00} refunded to my account, my Wells Fargo checking account reopened and all negative marks on my account permanently removed, and my account remain in an open and active status.
Consumer complaint received 2021-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Since XXXX I have not been able to access my account. I sold some crypto and tried to get the money into my bank account. My efforts for the past five months have failed. The support group simply dismiss my complaints. Further to this they Coinbase, have attempted to withdraw XXXX euros from my bank account. Im so glad that my bank blocked my account each time. Surely this is serious FRAUD. Thank you
Consumer complaint received 2021-07-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XXXX XXXX I sent a letter regarding inaccurate and unknown information on my credit report. To this date, over 30 days later I have not received a response. I feel like I am being taken advantage of and being ignored with my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those inaccurate items from my credit report. It has been over 30 days, so they should be deleted immediately. I demand those accounts to be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (CO)

Global Lending Services have ruined my life and I'm will become homeless in a matter of days due to their billing practices with extra fees and reporting to the credit bureau. Even after taking out extensions and making payments they still report payments as late to the credit bureaus. One month payment was made XXXX credit reported current next day reported I owed XXXX in payment and fees. Paid this amount because we are having to buy or rent a house. After paying this few days later Global Lending Services reported I owed XXXX and the total bill would be XXXX. I paid XXXX because again I can not afford my credit score to go any lower. The payment was made on XX/XX/2021. Global reported I was current but report another late payment on the same day I made the payment. I went on to their website and then saw that my XX/XX/2021 payment showed nothing owed and we paid ahead. I have disputed but Global Lending comes back with verified but still won't disclose what misc.1 fee is to me. What I do know is that Global Lending Services has ruined my life. I don't understand how a company can go around doing this to people and I know I'm not the only one this has happened to but when is it happening to you all you can think about is what am I going to do? Where am I going to live?
Consumer complaint received 2021-07-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Back in XX/XX/XXXX and XX/XX/XXXX my credit report was wrongly refreshed and amounts would change every couple months not all reports matched had wrong account numbers amount owed and the company XXXX XXXX and XXXX XXXX which I never had a loan this is not right I have disputed and asked numerous times to fix until I got bullied with a judgement in XXXX of another amount that doesnt match reports of XXXXmy credit score was XXXX and now barely XXXX because of this I have been back and forth for months with all of you to remove inaccurate information All credit reports Dont have accurate information this isnt right please fix this before i seek other measures
Consumer complaint received 2021-07-08
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 — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (NH)

I received my credit report and noticed a number of Violations involving Santander reporting and need account removed from all three data furnishers immediately. 

Santander is reporting incomplete informatiion across the board to credit bureaus They were involved in class action lawsuit for predatory lending practices in which I was affected. As well as CFPB ordered the Financial instituion to report accurately therefore need to cease and desist collection efforts as each violation as a consumer im entitled to up to {$1000.00} per violation per FCRA and FDCPA below i attached the class action lawsuit. article published by CFPB that implies santander knowily reported incomplete info to CRA 's as well how it is being reported to XXXX  and XXXX  on my report. 
I am a victim of preadatory lending practices I find this account Violates, TILA, FCRA and FDCPA. 

Under Law any form of fraud voids contracts
Consumer complaint received 2021-07-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Back in XX/XX/XXXX and XX/XX/XXXX my credit report was wrongly refreshed and amounts would change every couple months not all reports matched had wrong account numbers amount owed and the company XXXX XXXX and XXXX XXXX which I never had a loan this is not right I have disputed and asked numerous times to fix until I got bullied with a judgement in XXXX of another amount that doesnt match reports of XXXXmy credit score was XXXX and now barely XXXX because of this I have been back and forth for months with all of you to remove inaccurate information All credit reports Dont have accurate information this isnt right please fix this before i seek other measures
Consumer complaint received 2023-03-31
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. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XX/XX/2024 A payment was made in the amount of {$1000.00} via debit transaction in the retail store XXXX XXXX XXXX XXXX XXXX XXXX  The payment was inclusive of a past due amount {$190.00} plus current month {$190.00} along with {$610.00} in principle payment. The past due amount was due on XX/XX/2024 along with the XXXX payment. On XX/XX/2024 I received credit notification of a 30 day late and improper balance report as well. I am requesting the 30 day late status and balance adjustment in an expeditious manner. Attached you will find a copy of the store receipt and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  refuses to grant me online access to my statements to review due dates, statements, or make online payments. I have called several times to seek resolution and no resolution has been offered. The representatives will terminate the call and send you back through the automated prompts repeatedly or hang up to avoid the situation.
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (OK)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2021-07-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc. (CA)

This is regarding our crypto trading account on Coinbase ( Pro ) : XX/XX/XXXX : I initiated a deposit of {$3000.00} from our savings account at XXXX XXXX XXXX XXXX. 
XX/XX/XXXX : I got notified from XXXX XXXX XXXX XXXX that an attempt to withdraw {$3000.00} failed with a {$35.00} charge. I deduce Coinbase tried to get the money from XXXX XXXX XXXX XXXX account, due to insufficient funds the {$3000.00} transaction were denied ( bounced ). 
XX/XX/XXXX : I got an email with a link to try again. Ensuring that there were sufficient funds, I transferred the {$3000.00} using the link with the email. 
This transfer was successful. I got an email saying " Funds recovery complete. We have successfully collected the funds from your recent failed transfer. '' XX/XX/XXXX : I got a notification from XXXX XXXX XXXX XXXX that there was a pull that failed and I would be charged {$35.00} again. I deduce that for some reason, again Coinbase tried to get the money from XXXX XXXX XXXX XXXX account. 

XX/XX/XXXX : At XXXX XXXX  I got an email with a link to try again, saying that it was our {$3000.00} request from XX/XX/XXXX that did not work. From the screen shot it shows that at XXXX ..., XXXX withdrawals of {$3000.00} were taken out of our account and one withdrawal of crypto currency of {$3300.00}. At XXXX XXXX  I got an email saying " Funds recovery complete. We have successfully collected the funds from your recent failed transfer. '' I realized the above happenings of XX/XX/XXXX after I logged into my Coinbase account a few hours later and noticed the big drop in portfolio. And also that a new bank account ( XXXX ) had been added to my account without the necessary 2-factor authorization. I removed it and then immediately contacted Coinbase and asked if my account had been hacked. They sent me through their standard procedure of verification. I did all the verification and found that nothing of mine had been hacked. I observed the emails received from Coinbase on XX/XX/XXXX ( {$3000.00} ) amount and the withdrawals from our account all {$3000.00} amounts. I then inquired with Coinbase whether was it possible that these withdrawals were made in error by Coinbase. My account was then frozen and since then no response to repeated requests have been answered. The 6 withdrawals have not been returned, nor do we have access to our account. Dozens of email requests, complaints, tickets, ... have had no response. On XX/XX/XXXX my portfolio prior to the withdrawals had approx {$42000.00}. 
I also submitted a complaint directly to Coinbase on XX/XX/XXXX. On XXXX they said they would need an additional 20 days to look into this. 

Appreciate any help you can provide to resolve this matter. We have been helpless for over a month.
Consumer complaint received 2023-03-31
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. (PA)

These hard inquires wasn't authorized by me 1.XXXX XXXX XXXXXXXX 2.XXXX XXXX 3.XXXX XXXX 4.XXXX XXXXXXXX 5.XXXX XXXXXXXX 6.XXXX XXXXXXXX
Consumer complaint received 2021-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

There are 2 collection accounts on my credit report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case LVNV FUNDING is attempting to collect as XXXX XXXX XXXX and XXXX XXXX XXXX is attempting to collect as XXXX XXXX. 

These collections ( XXXX XXXX ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my credit report.
Consumer complaint received 2023-03-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Action Collection Service (NH)

Repeated phone calls sometimes at inappropriate hours, leaving voicemails not identifying who they are or why they are calling. 
A XXXX search shows this number/company has been frequently reported and flagged. 
I am already receiving phone calls from a confirmed debt collector for the same medical debt. ( XXXX  )
Consumer complaint received 2021-06-24
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. (CO)

My balance across all credit cards went up by {$6.00} and yet my FICO 8 with Experian dipped by XXXX points. Please tell me how this equates? Ive paid off credit cards and have made other payments in the past of hundreds of dollars and my score never went up by 31 points or even close to that. How does this math compute? Cfpb oversees this process and regulates Experian correct? This is an absolute unfair business practice. Please resolve and correct.
Consumer complaint received 2023-03-01
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX 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 2021-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (CA)

This original creditor was XXXX, which I reported this account with fraud department and all debt was deleted and was told by sprint that this debt was not owed. the account was some how purchased to diversified ( collection agency ) I provided diversified with all information that XXXX provided me that the account was fraud and was deleted from my credit report, since diversified was unable to collect on a fraud account they sold this debt to SRM ( Source RM ). I have provided SRM with all information and they have yet to stop sending debt letters and have this fraudulent debt removed from my credit report, I have sent letters to cease all phones calls and ask that this account be removed from my credit report. I am now making a complaint.