davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I had closed my XXXX XXXX Checking account in XXXX of XXXX. Upon doing so I received a letter from Citizens Bank XXXX XXXX XXXX NH XXXX. This letter stated I have no other accounts with that bank. I know I did because I set up my retirement account online. In doing so I also learned the Lawsuit I was involved in and was awarded a rather large lump sum was deposited because my total either monthly or yearly that I was to receive in my retirement was also rather a large lump sum so I knew what I was awarded had been deposited. Not only that but the bank didnt close my debit card when I had closed my account that XXXX of XXXX. Here we are now XXXX and I had gone back to the very same bank and opened a checking account and a savings account in XX/XX/XXXX. This is when this bank took the opportunity to close my old debt card of XXXX that was in my previous legal name even though since then I remarried and the bank representative who helped me open the checking and savings said that was weird Ive never had that happen before. She was confused because she had entered in the computer my newly married name saying she has worked there XXXX and a half years and that has never happened to her before. She called the individual processing debit cards explained the first debit card came out with my previous name and she would need her to print up another debit card with my new legal name. I have the paperwork that shows in XXXX my card number and now in XXXX that strange debit card that came up with my previous legal name on it also has the same debit card numbers from XXXX. I also have the paperwork for that bank closing the debit card from XXXX now in XXXX closing it due to computer errs. In XXXX my checking account I had opened was also cyber attacked and wasnt put back in the same way it was taken out in different increments adding to be over {$700.00} dollars taken by a company name of XXXX XXXX the bank didnt report it to the proper authorities.
Consumer complaint received 2022-02-05
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. (MS)

I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on XXXX, Equifax, and XXXX in violation of Federal Law. XXXX, Equifax, and XXXX failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX  of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10.The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

On or around XX/XX/XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX reported to XXXX, Experian and XXXX  a Rental/Leasing debt of {$3300.00} with a Date of 1st Delinquency of XX/XX/XXXX, obtained from XXXX XXXX XXXX. This debt was recorded as a Joint Account. 

On XX/XX/XXXX while setting an account on Experian 's we site to freeze my report I saw and disputed this entry using the available process identifying the debt as not mine, identifying the likely owner as my ex-wife from who I was divorced in XX/XX/XXXX with no shared assets or responsibilities. 

On XX/XX/XXXX Experian advised that it had completed a review and that " The information you disputed has been verified as accurate ''. No further specific information was provided about the entry or process. 

On XX/XX/XXXX and XX/XX/XXXX I repeated this process with Experian and the equivalent with XXXX  and XXXX with the same result and attempted to add an ( up to ) 100 word statement. The process to add the statement was difficult with XXXX, only a choice of a few fixed statements was available with Experian and I have found no option with XXXX  through their web sites. 

This entry alone precluded me from being able to start a contract position with the US Department of Justice and has cost me and my family many hours.
Consumer complaint received 2021-11-25
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removal of the incorrect information about my accounts have been diligently neglected by Equifax. Despite sending them the last request, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my report : XXXX  XXXX XXXX XXXX Balance {$1800.00} ; XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance XXXX ; XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX Balance XXXX ; XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance XXXX ; XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance XXXX ; XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance XXXX ; XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance XXXX XXXX XXXX OF XXXX XXXX Opened XX/XX/XXXX Balance XXXX ; XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance XXXX ; XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance XXXX ; XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance XXXX ; XXXX XXXX Balance XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (TX)

On XX/XX/XXXX I made a Principal Payment on my Mortgage in the amount of {$8000.00}. 

Mid America Mortgage only applied {$7000.00} to my principle payment and will not communicate and is giving me the run around on where is the missing {$990.00} that should have been applied to my mortgage. 

On XX/XX/XXXX I sent an email ( see attached ) inquiring where is my missing principle payment. I received the following reply by Mid America Mortgage " We have opened a request with our cash department to have the funds reapplied correctly, this should be completed in the next 3 business days. '' On XX/XX/XXXX I sent another email on the status of my request to apply the missing {$990.00} to my loan ( See Attached ). I received the following reply by Mid America Mortgage : " Our records indicate the funds of {$990.00} was applied to unapplied funds. We have opened a request to have those funds applied to your principal. We apologies for the inconvenience of this misapplied payment. '' On XX/XX/XXXX I sent another request to have my principle payment in the amount of {$990.00} applied to my mortgage ( see attached ). I received this response from Mid America Mortgage : " Thank you for your inquiry regarding your loan. Due to the status of the account please contact our Bankruptcy department at XXXX. '' I called the Bankruptcy department and they informed me I had to call customer service. I called the Customer service department and they said they could do nothing and I had to call the Bankruptcy department! 

I was promised this error would be fixed in two prior responses by mid America mortgage. They have not fixed the issue and now refer me to another department that refers me back to the customer service unit! I am in a circle of hand offs with no one that will fix a problem that Mid America Mortgage created. I am getting the run around and in the meantime {$990.00} is missing as a principle payment to my Mortgage.
Consumer complaint received 2019-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I have had a CHASE card since XXXX. The account was closed years ago and a payment plan was set up. The payments are automatically taken form my bank account every month. 
After several years, I need to reduce the amount taken due to financial hardship. 
Every month the new reduced amount is taken. This has affected my credit score dramatically. Suddenly, my score dropped and the CHASE card is stating I defaulted on payments. 
This is unacceptable given that I pay every month. 
Additionally, They state that a " cash advance '' was taken on this card and can not tell me the amount, in XX/XX/XXXX! This is the reason they gave for putting my card into a default status. 
I have never taken a cash advance on any card. 
I have asked for details and an investigation is open with CHASE. This negative reporting has caused incredible hardship for my personal and business life. 
I need help to resolve this. 
Thank you
Consumer complaint received 2018-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (PA)

I sent {$3500.00} to Coinbase on XXXX XXXX at XXXX. The money was take out of my account the same day around XXXX. At this moment coinbase is saying they do not have my money. 

This company is a scam.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon contacting TransUnion, I asked for them to remove unknown inquiries that were fruadly added to my credit profile. But, they denied to remove the inquiries. I have contacted each of the companies that the inquiries were from, but these were all fabricated companies with names of real institutions. Each inquiry is dated XX/XX/2023, I will list them below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-24
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. (TX)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2021-11-24
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: EQUIFAX, INC. (VA)

First, I noticed a change in credit report by a third party. The change was associated with a collection agency, XXXX XXXX XXXX. The agency continues to inaccurately report collection information about an allege debt to XXXX. 

XXXX nor the collection agency refuse to provide evidence of the debt owed. I've previously disputed this information, and no-one has been able to provide the documentation related as prescribed in 15 USC 1601 & 809 ( https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text # 809 ) 1. Ownership of this account 2. Balance owed ( including payment history ) I am tired of dealing with credit bureaus because they are not addressing my concerns, meaning investigating disputes and inaccuracies. 

Second, mortgage payment from XXXX XXXX continues to report inaccurately ( see attachment ). These errors are affecting my credit scores and access to credit resources. The consumer bureau continues to ignore my requests for assistance, despite the fact that these are systemically overt inequalities and intentional discriminatory actions.
Consumer complaint received 2023-05-12
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. (NC)

I requested my credit reports from all three bureaus. I immediately noticed the reports mentioned that a collection company reported a debt that I do not recognize. I also. see multiple inquiries from XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX. Unknown phone numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. Unknown address XXXX XXXX, XXXX XXXX, MD XXXX. XXXX XXXX, XXXX, MD XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX. XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX XXXX XXXX, XXXX XXXX, NY XXXX.
Consumer complaint received 2022-02-04
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: EQUIFAX, INC. (TX)

Since XX/XX/2021 I have tried on multiple occasions to fix my personal incorrect information that is on my credit report. I have sent multiple letters with no responses. All of my letters have been ignored. All I wanted is my drivers license and proof of residence information to match. The information reporting on my credit report is incorrect.
Consumer complaint received 2021-11-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (LA)

Coinbase pro has a publicly traded ETF under the ticker COIN therefore I listed this complaint with the company not the ETF. 
On XX/XX/XXXX Coinbase pro listed the crypto currency gyen for trading. A day later gyen suffered a " glitch '' which did not allow for the proper minting of the coin which drove the price up rapidly. Coinbase pro was aware of this and did not halt the coins ability to trade immediately. 

After this glitch was fixed by the creators of the Gyen coin, Coinbase and Coinbase pro experienced an issue which no other exchange that was trading gyen coin did. Coinbase and Coinbase pro awarded certain accounts with 100 times the amount of coins they actually had purchased. This on top of the fixing the gyen  minting algorithm made the circulating supply go from 2.3B to 32B in just a few days. This totally devalued the price of gyen coin. It was after the total crash did Coinbase / Pro halt the currency. 

It is my understanding that people were able to capitalize on the glitch and sold 100 X coins they never paid for. So the liquidity of the coins value was given away and traded. It wasn't until days of Coinbase knowing that there problems that they actually halted the coin. Now coinbase pro and coinbase are holding peoples funds as they try and recover the money they gave away. It has been halted now since about XXXX CST on XX/XX/XXXX. Even though I never experience 100 times my coins my order history does not even reflect the amount of gyen coins I traded. This whole things feels like a scam. I know the SEC does not regulate crypto but you do regulate the ETF COIN that is based of Coinbase. I am very upset over this whole thing has Coinbase should have shut down traded the moment the coin failed to mint itself properly instead they waited for a bigger problem to arrise. 

To make matters force the exchange XXXX delisted the coin gyen  just days after release for almost the same issues. I did not know this until after the fact I bought in. 

Keep in mind this happened to 1000 's of people with millions of USD $ all while Coinbase charged fees to wreck their portfolio and remove the ability for people to transfer or withdraw their funds. That should be illegal and their ability to halt the coin sooner seems like a scam. 

I was in and out many times on this coin my Intial investment went from {$2600.00} down to {$800.00}. Meanwhile while my gyen coins were locked by Coinbase pro the value of them went down another 50 %. Currently Coinbase transaction history is so broken it can not even reflect the proper amount of coins I bought or sold.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My wife had a Capital One credit card in her name and she passed away on XX/XX/22. We were dependent on my wife 's social security income and pension which have both been discontinued upon her death. I am unable to afford to continue to pay this credit card with a balance of {$2100.00} on my social security income. I called Capital One on XX/XX/XXXX to ask if they would negotiate a lower interest rate from 22.9 % which I always felt was taking advantage of us due to our advanced age. With the minimum monthly payment my wife was making, she was barely paying towards the principal. I need help to deal with this debt and the credit card company did not care about my current financial situation or death of my wife.
Consumer complaint received 2021-11-25
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECT ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-11-25
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: The Receivable Management Services LLC (CA)

I am still disputing the collection with XXXX for a cancelled policy that was phoned in and cancelled with XXXX XXXX. Their collector RMS is informing that the amount due is XXXX however I received an email from XXXX informing of a diffferent amount XXXX. I am extremely frustrated with this as I have forwarded them a copy of the email with NO RESULTS. I will pay the XXXX but would like the matter to be corrected first.
Consumer complaint received 2021-11-25
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. (CO)

XXXX XXXX XXXX XXXX I opened a credit card account in XXXX, used the card, and didn't pay the bill. In XXXX I contact XXXX XXXX XXXX as they are the ones who alerted me to the new account and filed a fraud report. Now this credit card issuer is negatively affecting my credit score. I filed a dispute with Experian and in two days they claim they verified with XXXX that I opened the account. I did not open, nor use, such an account.
Consumer complaint received 2022-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION XXXX  MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2021-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NC)

Reference complaint XXXX. Chase- while still resolving fraudulent charges on an account I closed because of the fraud, CFPB you can see their letter attached to the referenced complaint, notice the date and then think out loud how long it takes for said dated letter to show up at my mailing address - charged me late fees and 'purchase interest charge ' for the prior period while all this fraudulent XXXX was still pending resolution! In which they admitted they were wrong! How is this possible? How is this fair? How often is this happening to Chase consumers, at scale? And this income is showing up in Chase 's SEC filings? Hello - anyone care anything about this madness?