davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-17
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$18.00} DPTEDXXXX XXXX {$28000.00} XXXX XXXX XXXX {$20000.00} XXXX   XXXX {$2600.00} XXXX XXXX {$840.00} MXXXX XXXX {$590.00}
Consumer complaint received 2020-08-17
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$18.00} DPTEDXXXX  XXXX {$28000.00} XXXX XXXX XXXX {$20000.00} XXXX   XXXX {$2600.00} XXXX XXXX {$840.00} XXXX XXXX {$590.00}
Consumer complaint received 2023-08-11
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-08-17
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: SYNCHRONY FINANCIAL (CA)

Paypal-Synchrony refuses to remove a {$2600.00} charge from my account. I purchased an item through XXXX that was damaged. The seller, XXXX, originally offered to issue a return tag and pay return shipping as well as provide a full refund. They then reneged and would not pay for shipping. 
I filed a dispute with PayPal and won. XXXX XXXX still would not pay for return shipping. I filed a dispute with Synchrony who found in my favor and removed the charge. 

Synchrony then recharged my account on XXXX. I called them and they said they would have it corrected in 10 days and have someone contact me. No one has contacted me about this. Every time I call regarding this charge I get a different set of information. They even claimed they had no idea about the PayPal dispute which PayPal completely contradicts. They also state they have new data that states the item is non-returnable. This can not be true as the listing was deleted from XXXX months ago. 
I'm including the XXXX email transcripts with this organization.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a auto loan with XXXXXXXX XXXX and the bank report a miss payment and it's not correct. I have my payment on day and the current balance are wrong. On XXXX and XXXX I send a letter to bank and I don't have any answer. This situation is affecting me because I need request a credit and I can't because this situation with XXXXXXXX XXXX
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Your categories dont really fit my message. 
Im writing to let you know that yesterday I received a multi-page letter from the IRS regarding my last 2 yrs. of tax returns. I havent filed returns in many yrs. My building is supportive living where they take your social security & leave you with $ XXXX, depending on whether u pay for cable or phone. Also, I am a XXXX XXXX XXXX. old with multiple very serious health issues. 
Today I called the IRS & they said it is a case of my identity being stolen. 
In reading reviews of Fifth Third Bank former employees some made reference to their belief that employees of Fifth Third are illegally tampering with customers accounts. Now it could be someone else. I never click on a scam or phishing email so I cant be sure but if I had to make a guess, considering they have changed their tune many times in response to me & also dont seem to understand much of anything ( & dont care ), I have to be suspicious of them. I havent lost anything but the fact my identity is stolen is disturbing enough. 
Answers?
Consumer complaint received 2020-08-17
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)

Hello and Happy Monday. I thank you for having a look at my dispute. Its going on the 3rd month that I have been trying to get these companies to validate debt as in mine. I have not received any correspondence to the companies about this matter other than a request for my id and social from XXXX and transunion
Consumer complaint received 2020-08-17
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. (TX)

I submitted a dispute regarding information on my credit report regarding 2 accounts which are not mine and this credit reporting agency has not required the businesses submitting the derogatory remarks on my credit report for proof supporting their remarks. Additionally, Equifax has not removed these negative comments from my credit report and it has affected me in a negative manner. The following businesses are fabricating derogatory information and dates to hurt my credit report. These businesses are listed as follows : XXXX XXXX, XXXX - They indicate I opened an account 2yrs, 4 mos ago. 
They are fabricating information. I have had " pay as you go '' phone service for over 6 years now. If you don't pay, you don't get phone service. Further, this company is indicating I owe them {$1300.00}. I dispute the validity of this account and the amount owed in its entirety. FYI - I have also been a victim of Identity theft 4 different times. 

XXXX XXXX XXXX ( 3yrs, 6 mos ) for {$120.00}. I disputed all the information and the validity of this account in its entirety. They are indicating I opened an account with them 3 yrs, 6 mos ago and owe them {$120.00}. FYI - I have also been a victim of identity theft 4 different times.
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NY)

I called in to TD Bank on end of XX/XX/2020 to explain my hardship i have to pay because i'm affected financially by XXXX, they agreed and put me on a hardship program nad made with me a payment plan, bank also told me i have more time to pay it later and start to make payments on XXXX, and so i did i start to make payment on XXXX the balance agreed, but when i checked my credit report i see that TD reported me 30 day late on XXXX of 20202, and recording the CARES ACT if company Agrees to delay payment because of XXXX They not allowed to report me late.
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (DC)

Request investigation into why Nordstrom is not waiving late fees due to hardship on account of covid 19.  The company is also not removing the charge off on the credit score. I have paid two installments of {$120.00} and {$130.00} with considerable difficulty of which only {$160.00} is the amount for purchases made in 2018. The company had the wrong address - they had XXXX XXXXXXXX XXXX on their files instead of XXXX XXXXXXXX XXXX. Any mail never reached the address. The company never called to initiate a payment plan. 

Secondly, a credit card application was never processed and I have not received any mail again from the company as to its status. 



Due to Covid, my financial situation is extremely precarious and the interest that has been added on account of an error on part of the company can not be allowed during covid when even banks have been given regulatory orders to remove payments that increase burdens on consumers. I would also like my card application to be processed in a timely manner.
Consumer complaint received 2022-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

MY INFORMATION WAS COMPROMISED AND THESE ACCOUNTS WERE CREATED AS A RESULT OF MY INFORMATION BEING STOLEN. 

ALSO I CONTACTED THESE COMPANIES AS WELL AND DID NOT GET ANY RELIEF 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 2020-08-17
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. (GA)

Transunion XXXX  XXXX. XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX Is reporting false information on my Credit Report. I sent a letter of dispute on XX/XX/XXXX, in which I provided proof of my identity, an Affidavit and other documentation in support of my legal dispute. I followed up with further correspondence on XX/XX/XXXX, to ensure every possible document required was served! 

I sent the same information to all three of the credit bureaus on the same date yet only XXXX, has taken the immediate action necessary to remedy this wrong against my credit report! I submitted a request to Transunion online requesting my login details be reset, yet they failed to respond in the promised 24hrs. I called XXXX, and they asked me to identify myself by testing me with false information which I disputed and outdated information which should have been removed in XXXX. The first customer service representative correctly identified me, however, when I passed on to his colleague who asked the same questions concerning information which shouldn't be on my credit file she claimed to not be able to positively identify me. When I asked to speak with a supervisor I was placed on hold for an hour after which time I hung up! 

The continued reporting of false information on my credit report is adversely impacting my personal and professional finances. During this time of XXXX Pandemic, that is completely unacceptable.
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (FL)

Last XXXX2022 I sent this company a letter requesting for the method of verification that they used to check the accuracy of the things on my credit report but its been over a month now they still haven't provided me the information. They would just ignore it as if they didn't see it. This time I want CFPB to have a record of this letter and complaint about the company 's negligence for I might use them in the near future.
Consumer complaint received 2023-07-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (MA)

I am writing to file a formal complaint against Coinbase, a cryptocurrency exchange platform, regarding a series of alarming issues that I have recently encountered. The purpose of this complaint is to bring to your attention the deceptive practices and unresolved concerns I have faced as a customer, and to seek your assistance in resolving this matter promptly. 

On XX/XX/XXXX, I made a purchase of {$2000.00} USD worth of USDC on Coinbase. At no point during the transaction process was I presented with any prompt or message indicating that my funds would be subjected to a lengthy hold period until XX/XX/XXXX. Had I been aware of this excessive hold period, I would not have proceeded with the purchase in the first place. This lack of transparent communication is deeply concerning and undermines my trust in the platform. 

To my utter dismay, on XX/XX/XXXX, when I checked my Coinbase account, I was shocked to discover that my funds were locked in a hold period until XX/XX/XXXX. I reached out to Coinbase 's customer support for assistance, only to be met with complete unhelpfulness and indifference. The lack of responsiveness and support from Coinbase 's customer service team has left me feeling utterly disregarded and disheartened. 

In an attempt to retrieve my funds and explore alternative platforms for my transactions, I promptly sold the XXXX USDC on XX/XX/XXXX. However, to my disbelief, Coinbase prevented me from withdrawing the money into my source bank account. This further adds to the already distressing situation and raises serious concerns about the platform 's commitment to customer satisfaction. 

What is even more disconcerting is that Coinbase informed me about the restriction on my account only after I had made the purchase. Prior to and during the purchase process, there was no mention of any restrictions whatsoever. This deceptive practice, coupled with the subsequent lack of transparency about the reason for the restriction, raises significant ethical questions about Coinbase 's business practices. 

I implore the CFPB to investigate this matter thoroughly and take necessary actions to rectify the situation. I am seeking your assistance in recovering my funds from Coinbase, as I firmly believe that such deceptive practices and lack of accountability should not be allowed to persist. 

I earnestly request the CFPB 's intervention to ensure a fair and just resolution of this issue. I trust in your commitment to safeguard consumers ' rights and uphold the principles of transparency and accountability in the marketplace. 

Thank you for your attention to this urgent matter. I eagerly await your response and hope for a swift resolution.
Consumer complaint received 2020-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Unidentified number called XX/XX/XXXX to my XXXX cell number left message that stated paraphrased " I am XXXX XXXX summons was failed to be delivered contact the law firm in charge to receive the order number is XXXX with case number XXXX failure to respond will result in further legal proceeding to take place with or without you. '' Called number routed thru what seems like typical debt collector phone prompts. Get live person and he berates me. States debt is from Bank of America which was a valid debt and they knew my last 4 SSN. I stated that debt was settled ten years ago XX/XX/XXXX. He said I had to provided proof. Called back as i found the settlement letter. I asked for email to provide proof he gave it to me faster than a person could write it down then hung up on me. Called back to confirm email they hung up again. 

After calming down I believe the persons behavior was more of a scam then legit debt collector.
Consumer complaint received 2020-08-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P. (TX)

I was a customer of XXXX XXXX for Internet services from XX/XX/XXXX to XX/XX/XXXX, I was at XXXX XXXX XXXX XXXX. XXXX XXXX didn't send me bill for the first 3 months and did cut off my XXXX, when i called they said i didn't pay the bill. I asked for email communication of the bill than paper and also mentioned that i did not receive paper based bill. 
When the representative double checked they told me that they had wrong address in the file. Later i cleared the bill, this happened multiple times, NO bill to address, NO bill via email or link to pay but they say all of a sudden i owe $ XXXX {$250.00}. But i made sure that i pay it. 
Finally, when i moved out of the house there was no balance is what i thought, as i called and cancelled the service too. An year later, around XX/XX/XXXX i got a call from collection agency, i reported dispute saying that, XXXX never sent bills and asked me to pay. Later the collection agency called and said your credit will be effected we will report it and i told i'm fighting for it you can not report until i get answer. Later to save my credit history i paid the amount. 

Today, i still see that in my collection account and as derogatory mark which is hurting my credit score very bad. I'm frustrated on the collection agency and XXXX XXXX for poor communication and even after i paid the amount having record. 
I'm sure they must have had all the recording of my phone call, and if they could provide them i can show you how many times i corrected the address and they had wrong one and didn't send me bill. Please help me clean this dispute from my credit for something that the service provider and their poor workforce done mistake.
Consumer complaint received 2020-08-17
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)

SOMEONE USED MY PERSONAL INFORMATION TO STEAL MY IDENTITY AND OPEN FRAUDULENT ACCOUNTS WITHOUT MY CONSENT AND KNOWLEDGE THEY ALSO FILLED OUT SEVERAL FRAUDULENT APPLICATIONSI am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-08-17
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. (FL)

SOMEONE USED MY PERSONAL INFORMATION TO STEAL MY IDENTITY AND OPEN FRAUDULENT ACCOUNTS WITHOUT MY CONSENT AND KNOWLEDGE THEY ALSO FILLED OUT SEVERAL FRAUDULENT APPLICATIONSI am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-08-17
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)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2022-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

According to the Department of Education, it states that borrowers who made payment during COVID " can get a refund for any payment ( including auto-debit payments ) you make during the payment pause ( beginning XX/XX/XXXX ). '' The borrow must contact your servicer to make the request. 

My servicer is NelNet and they said that only payments that I made during forbearance are eligible. According to their records, I requested for forbearance once ( in XX/XX/XXXX ) and that request was good for only 90 days. In order to stay in forbearance, I needed to make a request every 90 days. As such, I am not entitled to any reimbursement for payments that I've made after that initial 90 days ( because I didn't request for forbearance ). When I requested the initial forbearance, it was not clear that it was only for 90 days. I had requested forbearance in the past and the typical duration is a year. 

I would like the CFPB to contact NelNet on their policy/rules on payments made during the payment pause as I don't believe it meets the intent of the Department of Education 's guidance. I believe NelNet is using technicality ( whether the loan was in forbearance or not ) to avoid or reduce the amount of the reimbursements they need to make. For example, based on their eligibility rule, I'm entitled to be reimbursed for only 3 months - {$790.00}. However, based on the Department of Education, all payments made during the payment pause ( from XX/XX/XXXX to XX/XX/XXXX ) are eligible for reimbursement which would be {$2800.00}.