davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Ive filled police report on the fraud that occurred on my card where XX/XX/XXXX $ was withdrawn and XX/XX/XXXX two withdraws of XXXX $ unauthorized and without my knowledge I did everything I was supposed to n compliance with my bank card reported fraud yet they refuse to show me evidence on why they see no error XXXX will not return me my money XXXX $ was stolen out of my account and I requested reopen the investigation and check atm cameras the bank is now unreachable XXXX Ive had no response in over 3 weeks all I want is my money returned to me n the bank n who ever took my money held accountable
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION (NY)

I had a transaction for a payment company XXXX XXXX XXXX for the amount {$50.00} dollar that came out of my checking account without having the funds available XX/XX/2019 and M & T bank keep charging me and my overdraft fee {$38.00} dollars the next day and I did not know that I was going to have the payment collected from my account and was not expecting this to happen and the same date this transaction occurred I move {$70.00} dollars to my other account. And I never had the funds available. And M & T does not want to be wave the fee
Consumer complaint received 2021-09-30
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-30
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)

I reached out to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX via certified mail in regard to an auto loan account that is involved in an ongoing XXXX case. 
In the later part of XXXX or early part of XXXX, I was considered XXXX due to a work injury, which XXXX XXXX was made aware of the XXXX case and deemed XXXX XXXX XXXX responsible for taking over my payments and submitting them to XXXX  on my behalf. Since this agreement went into effect, I now have more than 10 late payments being reported to the credit reporting agencies; dropping my credit scores tremendously ; and leaving my credit profile damaged because of the number of late payments Prior to this, I have always had an outstanding relationship with XXXX and made every attempt to pay my bills on time. Therefore, due to the nature of the issues being that it was a XXXX case and their insurance company, I reached out to XXXX on XX/XX/XXXX by phone to discuss my concerns regarding this matter and was told that " they could not help me and that I would have to reach out to the credit bureaus to dispute it ''. I even went to the extent of paying the final payment bring the account to a XXXX balance in hope that this would be resolved. 

I do not understand how XXXX was not able to help me resolve this when they are the one who reports the account status to the credit reporting agencies. This matter has caused a great amount of stress from being denied for credit and now my character has been questioned as if I don't pay my bills on time. 

I respectfully ask, due to the nature of the issue stemming from a XXXX case that they DELETE the account from being reported to XXXX XXXX, XXXX, XXXX and Transunion or update all the late payments on this account to paid on time and as agreed. If this is not or I will have to seek legal counsel. 

Please see the attached letter of the certified tracking numbers for letters that was sent out
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attempted to disputed the information on my credit report several times asking for an investigation into the matter on XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Per TransUnion they investigated the dispute RESULT : Disputed information was verified as accurate TransUnion investigated your dispute but did not change your information. 

The account is in collections from a company I have never heard of which is XXXX XXXX XXXX XXXX which also lists XXXX XXXX  Original creditor - XXXX -called them and they confimed no knowledge of the account and also that had received numerous other calls about XXXX XXXX XXXX XXXX  - date of first call XX/XX/XXXX I do not owe this debit. TransUnions procedures in validating this information is questionable as on XX/XX/XXXX The Department of Financial Protection and Innovation -California issued a Desist and Refrain XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX & XXXX ) is a California corporation formed on or around XX/XX/XXXX, with a last known business address at XXXX California XXXX XXXX XXXX XXXX, XXXX , California XXXX TransUnion however continues to allow this company to place this collection account onto my credit report and refuse to remove it through the dispute process. It has cost me financially and effect my ability to find housing
Consumer complaint received 2021-09-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA (CA)

this about my apple card, I received an email about 3 weeks ago that a new card has been sent to me, but i never received the card. Today I got another email to activate my card, which i never got and was not supposed to get a new card because my Apple card is working and not expired yet. I have contacted Apple card support right when I got the first email about a card been sent to me, also today to notify them of the second email I got today. I was told by Apple card rep. to notify you as well. 


Thank you, XXXX XXXX
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX I Have sent out numerous letters with attached proof of identity, bill, and social security number asking for everything stated on my credit report to be fixed and everything false to be removed. They did nothing but, ask me to submit the proof I've sent with every letter. I've sent numerous letters and have it all time stamped proofs.
Consumer complaint received 2021-09-30
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (WA)

I am the real estate agent trying to sell the home for an estate in probate located in Washington State. The amount owed on the home plus the compounding interest from the reverse mortgage far exceeds the current market value. I have submitted requests to Novad for approval of a short sale. Emails regarding the short sale were sent on XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have tried calling the service center at XXXX several times and have not been able to talk to an actual person. The recording says hold time is 0 minutes. On XX/XX/2021, at XXXX XXXX PST I sat on hold for 38 minutes and left a message. On the same day, I called again at XXXX and sat on hold for 2 hours and 8 minutes. There is nobody to escalate my emails/phone calls to and need clear direction for resolution.
Consumer complaint received 2021-09-30
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

THESE FRAUDULENT ACCOUNTS ARE LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.
Consumer complaint received 2019-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (ME)

1. Previous to XX/XX/2019 reported the issue of the incorrect line item to all 3 credit bureaus and the credit bureaus reported that the line item was Resolved by Data Furnisher. 

2. On XX/XX/2019 wrote to the Data Furnisher of the line item requesting validation of the debt. The Data Furnisher has a different address for each of the three credit bureaus. Having 3 different address appears to be an attempt to confuse the consumer and cause diversion. I sent a certified letter requiring a signature to all three addresses listed on the 3 credit bureau reports. 

3. On XX/XX/2019 wrote to all three credit bureaus to address the concern again and provided the collection of documentation to include : previous letters sent and copies of the certified mail certificate requiring a signature ( one of the three was returned as undeliverable ). It has now been 120 days and I have not heard back from the Data Furnisher.
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my credit report in violation of Federal Law. I tried contacting the 3 Credit Bureaus requesting a complete payment history with these accounts for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. REMOVE THE FOLLOWING COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) XXXX-Balance {$510.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX ) XXXX-Balance {$460.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX ) XXXX-Balance {$590.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX ) XXXXBalance {$360.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX-Balance {$680.00} PORTFOLIO RC ( Original Creditor : 08 XXXX  XXXX XXXX  XXXX XXXX XXXX ) - XXXX-Balance {$960.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX XXXX ) XXXX-Balance {$640.00} PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX XXXX ) XXXXBalance {$1100.00} PORTFOLIO-XXXXXXXX-Balance {$510.00} PORTFOLIO-XXXX-XXXX-Balance {$640.00} PORTFOLIO-XXXX-XXXX-Balance {$360.00} PORTFOLIO-XXXX-Balance {$590.00} PORTFOLIO-XXXXXXXX-Balance {$460.00} PORTFOLIO-XXXX-Balance {$680.00} PORTFOLIO-XXXX-Balance {$960.00} PORTFOLIOXXXX-Balance {$1100.00}
Consumer complaint received 2023-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (WA)

I have a Chase Freedom Credit Card and received a credit refund of {$5400.00}. I called the company around XX/XX/ and requested that the money be transferred to my checking or savings. I was told that I would receive an e-mail or a check in the mail with the refund to deposit it. I called around a week later and was told my check is still processing and it would take 7 to 10 business days. I called again on XX/XX/ and asked for my refund and was told I would receive an e-mail. I never received email. I called today on XX/XX/ and was told that since I called more than one time asking about my refund that they reset my request and prolonged my refund now I have to wait up until XX/XX/ to receive my credit refund. I was never told this the first 3 x I asked for my refund.
Consumer complaint received 2021-09-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

Hi, I am writing in regards the technical issue with Coinbase crypto exchange platform causing a huge financial loss to me and other customers. 

On XXXX XX/XX/2021 XXXX listed the SHIB crypto on their CoinbasePro crypto currency trading platform, after listing SHIB crypto the CoinbasePro trading platform faced technical issue and dragging the price superficially up to 1000 % higher. This high price remained on the Coinbase Pro platform for more than 24 hours, anyone who purchased the SHIB crypto ( including me ) on XXXX XX/XX/2021 couldn't sell it and were locked with the high superficial price. On XXXX XXXX, CoinbasePro disabled deposits for SHIB to address a technical issue and then re-enabled deposits on XXXX XXXX which then dropped the price to 700 % lower. 
After seeing this massive price change I checked on other crypto exchanges and realized the price remained unchanged on other crypto exchanges and of SHIB crypto itself globally, the SHIB crypto price never went up that higher as on Coinbase.

I feel Coinbase did not took appropriate action to protect customers trading on the platform, when the platform was not ready to fully support the SHIB coin trading, Coinbase shouldn't have enabled the trading. And when the CoinbasePro trading platform was experiencing technical issue and had to disable or restrict trading of this SHIB crypto, customers were was not notified about any of this issue. 

As Coinbase advertises it as a trusted platform for Crypto currency, I purchased the SHIB coin and did not compare the price on other exchanges. I don't feel Coinbase can be trusted however, as per the email sent to me from Coinbase support after opening a complain, they claim that " we do not guarantee continuous access or that there will be no delays, failures, errors, omissions or loss of transmitted information, nor do we guarantee that any Order will be executed, accepted, recorded, or remain open. " I wasn't aware that Coinbase can also isolate itself from the global market and allow the price to increase or decrease superficially of any crypto and also restrict customers from selling without informing the traders.

I tired to reach Coinbase support throught their complain system and via twitter but no luck. They did not resolved my issue instead they sent me email that my complain is close as the issue has been resolved.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I paid my mortgage to XXXX  XXXX XXXX  XX/XX/2022. XX/XX/2022 I was notified that my credit score dropped more than 50 points by experian. Monday XX/XX/XXXX, I found out it was because of a missed mortgage payment ( that was made XX/XX/XXXX ). I immediately called XXXX  XXXX XXXX  to find out what was wrong. No one could tell me exactly what happened or how how much I owed for my mortgage. I called for three days to get in touch with the mortgage officer. As I patiently waited those three days I noticed in my account statements there was {$100.00} moved from another account into my mortgage account on XX/XX/XXXX ( I was still waiting for a return phone call ). XXXX XXXX finally called me back XX/XX/XXXX at the end of the business day. He explained that my payment was short by XXXX dollars because my mortgage went up and therefore he reported it to the credit agencies. I told him I didnt know it changed and no one contacted me from Washington XXXX XXXX  XXXX XXXX said he called me XX/XX/XXXX. I went through my phone records and I never received that phone call. He told me I could dispute it with the credit agencies. I then talked to the manager of the bank and she told me this should be resolved because I did in fact pay on time. I have been dealing with XXXX XXXX XXXX since the beginning of XXXX telling me that they would fix it. They did not and kept it on my credit record.
Consumer complaint received 2022-05-26
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

Company has reported my account as late, when my account is set up as an Auto Payment and has always been set up as an auto payment. Apparently they XXXX XXXX changed banks that handle their credit card. however when they transferred my account they should have also transferred the payment information that was on my account as well. Nothing changed on my side money was there in my account and set to pay. Now i have this ridiculous late payment when i was not late.
Consumer complaint received 2021-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (KY)

The only thing I want The chime bank investigation team to call the Dispute Resolution Department : ( XXXX ) I disputed to my chime bank from the merchant in XX/XX/XXXX. I also emailed Support Chime many of evidences include the letter from the dispute resolution department. The investigate team declined me three times and did not call Dispute Resolution Department to verified. 

On The month of XXXX, the merchant sent {$1300.00} to my wrong old card and it went directly to Dispute Resolution Department as charge back and they held my money and I have No idea where my money goes. 

I tried To call the Dispute Resolution Department but they stated that my chime bank need to contact me and refuse to speak with me about my fund. Im so upset and frustrated because I did What I could To get my fund back to my right card number. 

I NEED CHIME INVESTIGATION TO CALL Dispute Resolution Department : XXXX so I can Get my funds back to my account. 

Thank you
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TN)

Bankruptcy is on this report and needs to be removed immediately. I've sent a letter and still have not heard anything or had this item removed from all credit reports. 

They are in violation of two fair credit reporting act accounts. They have infringed my privacy and they do not have permissible purpose nor did they have my written instruction about this account.