davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MD)

coinbase are asking for a sms code but my phone is not receiving a code since they updated my number but the wrong number was updated so i want it to be reupdate to the System as XXXX im only XXXX that 's why my account was shut down i want to acsess my fund to another adress please update the number i want to acsess to my bitcoins i left and they are not responding or helping in any way
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Expert Credit Sweeps (MD)

This is a follow up to XXXX, which was closed by the CFPB but I have not received any further correspondence from other agencies nor the business in question. 

I enrolled in this company 's services in XX/XX/XXXX hoping to get ( what I thought was ) some financial assistance from one of the " best '' credit repair companies out there. Initially everything was going good, there was constant communication. I was paying {$130.00} a month + {$29.00} for credit monitoring. After 4 months of service ( XX/XX/XXXX ), I hadn't gotten any updates from Expert Credit Sweeps/XXXX XXXX, nor responses from creditors. So I reached out to XXXX about an update and only received an automated responses back each time. I understand that she had been making updates and transitioning within her company so I waited 1 more month. In XX/XX/XXXX I contacted her again for an update on the process that she has been taking since the updated policies were implemented. I made the title Cancellation Request to get her attention and 5 days later she finally responded by cancelling the service. She never contacted me to have dialogue, which is what I expected. I feel like I wasted 6 months of dollars all because the company 's communication is non-existent. I want my money back ASAP! 

I have attached screenshots with correspondence and automated responses that I received back. 

Contact info : Expert Credit Sweeps XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX also named XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (VA)

Kindly ensure the removal of inaccurate accounts noted on my credit report, as mandated by FCRA 605B. Could you please verify the documentation? The presence of these erroneous accounts is causing me distress.
Consumer complaint received 2023-01-20
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. (SC)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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 2023-08-19
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. (FL)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year>, I received a text message indicating that my accounts were at risk of being closed and urging me to contact Chase immediately to discuss an issue with one or more of my accounts. 

Upon receiving the message, I contacted Chase without delay. However, I was informed that the process of closing my accounts had already commenced, and I was advised that Chase was not obligated to disclose the reason for the closures. Instead, I was directed to check my mail for further information. 

Subsequently, I received a letter stating, " Financial institutions have the obligation to know our customer and monitor transactions that flow through our customers ' accounts. After careful consideration, we decided to close your accounts because of unexpected activity on this or another Chase account. '' This letter, however, did not specify the nature of the alleged " unexpected activity '' or identify which account was affected. 

Following this, I consulted with my personal banker, XXXX XXXX XXXX, in an effort to understand the rationale behind this decision. XXXX XXXX reached out to the Risk Team, who indicated that the closures were due to an unspecified action that Chase found unacceptable. Despite a thorough review of my accounts with XXXX XXXX, no suspicious activity was identified that might justify the closures. 

It is deeply concerning and disheartening that after a 15-year relationship with Chase Bank , during which I have diligently maintained my accounts, I am now facing the abrupt termination of all my accounts, including business accounts and credit cards, without a clear and justified reason.
Consumer complaint received 2023-01-20
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. (MI)

To whom it may concern, XXXX XXXX XXXX is reporting inaccurate information to my consumer report. They have been using obscene language and is damaging my reputation. They were never supposed to share my nonpublic information without it being clearly and conspicuously disclosed to me that it would be reported to a consumer reporting agency. They never gave me the opportunity pursuant to 15usc1681a ( 2 ) iii.
Consumer complaint received 2021-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd (GA)

1.NATIONWIDE RECOVERY XXXX XXXX XXXX # XXXX XXXX GA XXXX HAS BEEN SENDING ME COLLECTION NOTICES INTHE AMOUNT OF {$330.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I NEVER DONE ANY BUSINESS WITH THIS COMPANY.. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE 2.1.NATIONWIDE RECOVERY XXXX XXXX XXXX # XXXX XXXX GA XXXX HAS BEEN SENDING ME COLLECTION NOTICES INTHE AMOUNT OF {$810.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I NEVER DONE ANY BUSINESS WITH THIS COMPANY.. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE 3. 1.NATIONWIDE RECOVERY XXXX XXXX XXXX # XXXX XXXX GA XXXX HAS BEEN SENDING ME COLLECTION NOTICES INTHE AMOUNT OF {$290.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I NEVER DONE ANY BUSINESS WITH THIS C0MPANY.. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE
Consumer complaint received 2019-11-23
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)

experian, XXXX  and XXXX  has information on my credit report that i did not gie my permission to report. i had not notified of these accounts. this information is inaccurate/not mine/fraud. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX  XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, MA XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, MA XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX, FL XXXX MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX  XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX, XXXXXXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXXNOT MINE, PLEASE DELETE. 
XXXX  XXXXNOT MINE, PLEASE DELETE. 
XXXX  XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
DEPT OF EDUCATION/XXXXNOT MINE, PLEASE DELETE. 
XXXXXXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX  XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX/DPT ED/XXXX XXXXNOT MINE, PLEASE DELETE.
Consumer complaint received 2019-11-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NY)

I purchased a truck on XX/XX/XXXX. I reviewed the loan application submitted and it clearly states that my mailing address is XXXX XXXX XXXX in XXXX NY XXXX. We received all written paperwork from GM at that address through XX/XX/XXXX. 
A repossession took place on XX/XX/XXXX, I contacted GM on that date to clear this matter. I asked why the repossession had occurred. I was told that payments were late and all mail concerning the late payments had been returned to GM. I told the representative that we did not receive any correspondence and asked what address had the notices been sent to. I was told XXXX XXXX XXXX. I asked why the address was changed from XXXX, she said someone must have changed it. I asked her to review her records and tell me who and when was this change authorized. She said she couldnt tell, maybe the post office changed it. At that point I decided not to pursue with customer service, my main concern was to just get the truck back. I would contact GM Financial later. 
I have also contacted their customer service department two more times, XX/XX/XXXX and XX/XX/XXXX notifying them that I have not received my monthly billing statement. The second time I was told the switch had been turned off, she would correct and I would start to receive again. I have not received this either. Prior to XX/XX/XXXX I received the billing statement each month. 
I did contact GM Financial on XX/XX/XXXX. To date I have received no response.
Consumer complaint received 2023-01-20
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. (WV)

Experian Only contacted the collection agency and NOT me for my side of what I claim was a fraudulent sales technic. 

They accepted the groups response as Fact. However That's how the agency makes Their money! 
( by extorting my credit! ) The group is XXXX XXXX? 

I had previously spent hours trying to convince " XXXX '' their salesman was a fraud, but they couldn't find the recorded calls I had made. How convienant?
Consumer complaint received 2021-12-21
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. (TX)

I had an account with the Texas XXXX XXXX XXXX XXXX XXXX. My order in the case ended in XX/XX/2021 yet the account still shows to be open. It should be closed. My report showed a late payment in that last month as well which is not correct. 

I have called them and disputed the entry to credit reporting agencies with no luck.
Consumer complaint received 2023-11-06
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: EQUIFAX, INC. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 2021-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

Notice, it is a fact, affiant did not give prior consent to communication to the debt collector, AFNI INC. and the affiant alleges there was no prior consent from a court giving permission to contact I, the affiant in collection of any debts and thus this communication would be AFNI INC. is a violation of 15 U.S.Code 1692c ( a ) without a court order brought forth. It is a fact, affiant is aware, the false character of the amount of any debt is a violation of 15 U.S.Code $ 1692e ( 2 ) ( A ). Affiant has proof of this violation as AFNI INC. allege I, the affiant, owes a debt but the alleged debt is shown in the positive amount, as seen in Exhibit A.
Consumer complaint received 2022-11-06
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)

I have disputed these accounts and inquiries XXXX for 6 months Late accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries are unverifiable and unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$2400.00} on the XXXXXXXX XXXX   XXXXXXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) When my lease ended I cleaned the apartment and left it in immaculate condition, returned the key to the main office and vacated the premises. The apartment complex alleges they had to have someone come into the apartment and clean it, and in addition they have also charged me for not returning the key which is completely false because I did return the key. The apartment complex also kept my security deposit. Not only was I charged for cleaning of the apartment I was also charged for not returning the key. I never received an itemization or bill regarding the cleaning services nor was I ever given any written documentation as to why they kept all of my security deposit. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (OH)

Approximately the spring of XXXX I had purchased a XXXX XXXX XXXX and Wells Fargo was the lender and although they appeared at first interaction that they were a great company and truly wanted to help people. Then I missed a few payments and they repossessed my truck, so I was able to come up with {$2000.00} to regain my truck back. Then I was short on a payment and owed like {$300.00} and I told them that I was making the payment on Wednesday I believe and I went to work because I got called in to do a quick service and I was taking the payment in when I left work, again they were aware I was making the payment on this day but instead of allowing me to get off work and go pay if they had a tow truck driver come take it at work and they would not take my payment of {$300.00} and basically said they couldnt do anything once the tow truck driver had it hooked up. Needless to say that was one of the worst days of my life, not only was that super embarrassing but they took my favorite vehicle I had ever purchased and I was purchasing it on my own, no mom for a co-signer and Ive always wanted my truck back. If they allowed me to get behind {$1500.00} then why was {$300.00} so much of a deal breaker ( it wasnt even a full payment because my payments were $ XXXX. XXXX? It doesnt matter if you talk to someone and make payment arrangements because I truly believe they love having ultimate power and exert it in the wrong way at the worst time. I dont think you may understand how much I loved my XXXX XXXX XXXX loaded SRT, all terrain rims, sunroof, I could go on and onpoint is I would have done anything to keep my truck but was quickly denied that opportunity due to a half paymentWOW!
Consumer complaint received 2019-07-18
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. (OR)

My Bankruptcy included a Reaffirmation Agreement regarding my XXXX which XXXX and did not attend, sold my car without a Judgment or any legal basis and continued to take payments until the car was paid in full then closed my account and reported to the credit bureaus that it had been written off in Bankruptcy thus managing to steal approximately XXXX XXXXXXXX from me.
Consumer complaint received 2023-02-21
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)

N accordance with the fair credit reporting act XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$2400.00} on the XXXXXXXX XXXX   XXXX XXXX  XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) When my lease ended I cleaned the apartment and left it in immaculate condition, returned the key to the main office and vacated the premises. The apartment complex alleges they had to have someone come into the apartment and clean it, and in addition they have also charged me for not returning the key which is completely false because I did return the key. The apartment complex also kept my security deposit. Not only was I charged for cleaning of the apartment I was also charged for not returning the key. I never received an itemization or bill regarding the cleaning services nor was I ever given any written documentation as to why they kept all of my security deposit. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2017-09-08
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. (CA)

Equifax improperly stored my credit report and allowed it to be accessed by unauthorized individuals. Thus far they have n't been able to conclusively tell me whether I 'm affected, and my attempts to get credit reports from all three unions have been unsuccessful.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

I began to notice more recently that my deposits were being held as pending - while transactions ( that had already been posted to the account ), eat away at the new deposit before funds become available. Navy Federal Credit Union then takes the money a second time claiming they put the deposit in first but that is not the case. 

A branch deposit was made on XX/XX/XXXX for {$1500.00} and did not become available until XX/XX/XXXX. 

I had {$3600.00} as of XX/XX/XXXX All transactions posted on XX/XX/XXXX were made and completed before XX/XX/XXXX, For example : XXXX payment ( instant payment ) of {$260.00} was made on XX/XX/XXXX but, per my banking statement it shows that transaction was posted on XX/XX/XXXX ( Same day the {$1500.00} was made " available '' ) Next example : I received {$260.00} on XX/XX/XXXX from my reimbursement for internet with my job. On XX/XX/XXXX I sent a XXXX payment for {$260.00} to my brother in law to pay the internet bill. This is supposed to be an instant transaction but when I looked at my statement it was deducted on XX/XX/XXXX. 

My Account is stating available balance is {$1100.00} Current Balance states {$1500.00} There are many discrepancies, my husband and I have noticed with our account and we would like there to be some sort of rectification. The Navy Federal Representative did not provide detailed explanation. This seems to be fraudulent activity by the company.