davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (TX)

My Coinbase account has been locked since on or about XX/XX/XXXX. Apparently due to multiple invalid logon attempts after trying to change my password associated with opening an account with Coinbase 's exchange XXXX. ( email from Coinbase attached ). 

XX/XX/XXXX conversation with Coinbase support line at XXXX, ticket XXXX was opened with status of 'the issue has been properly escalated '. 

XX/XX/XXXX contacted Coinbase support was told the original ticket XXXX was not actually in the work flow due to some type of error on Coinbase Support 's fault. New ticket XXXX was opened and once again the status was 'it has been properly escalated '. 

Per XX/XX/XXXX email, I changed my password. I find it disturbing that I have the ability to change my password even though my account is locked. 

XX/XX/XXXX contacted Coinbase support at XXXX, yet another ticket, XXXX, was opened and was told 'Having investigated the issue, I am working with a specialist to address it properly ' XX/XX/XXXX, contacted support again at XXXX, spoke with XXXX , was told 'no new status, no eta, still escalated to highest priority. ' XX/XX/XXXX, contacted support via email, response as 'Ive just checked your account and can confirm that your request has been properly escalated. '
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I submitted a dispute with the credit bureaus about late payments with XXXX XXXX XXXX and I was told by the creditors to submit a letter of explanation which I did long story short on the pay amount late it shows {$0.00} but on the pay status late payments appear so Im trying to get an understanding of how is one right but the other is incorrect but they basically states the same thing
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
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. (SC)

I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.
Consumer complaint received 2018-08-15
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: COMMUNITY CHOICE FINANCIAL, INC. (OH)

Unauthorized hard inquiries from Cash Central, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Management Systems Inc. (GA)

I leased an apartment at XXXX XXXX at XXXX XXXX in 2014. I made every rental payment during my one year lease. I left the apartment in very good condition ( I took pictures that I have available ). 

XXXX XXXX changed management companies just after I left that apartment. The new management company provided a " move out statement '' showing {$4800.00} in apparent rent owing along with fake charges for cleanup and painting. 

I have attached copies of all my checks ( except two months where I paid by money order ). The collection of this debt is fraud at the worst and extortion at the best. I paid my rent in good faith and adhered to move out rules. 

The collection agency is Southern Management Systems
Consumer complaint received 2018-08-15
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)

I disputed an account with XXXX on my file. I explained that I had settled it. They left it on the file. I settled the account with XXXX and then, XXXX put the balance BACK on their record on my credit files. I have attached the backup for the settlement
Consumer complaint received 2022-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc. (PA)

I discovered the collections debt on my credit score account. The following are reasons I am making this report. 

1. I did not receive notice from the collection agency about the debt. 
2. It is claimed that I owe a rental agency now known as XXXX XXXX XXXX ( previously XXXX XXXX ). The rental agency claims that I didnt return the keys among other things. This is not true. I dropped it in the rental agencys Dropbox. I wrote the rental agency to that effect. The rental agency never replied. I met a worker at the rental agency. However, the rental agency said they would reply by email and never did. 
3. This is a fraudulent attempt by both rental agency and debt collections company to put me into debt. 
4. I have attached the email to the leasing agency. They didnt reply the email.
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AR)

I was attending XXXX XXXX XXXX when they closed in XX/XX/XXXX. I was then approved for a loan discharge in XX/XX/XXXX ( letter attached ) and it states that with a loan discharge all credit history would be deleted. I've sent multiple disputes to XXXX   and each credit bureau that's STILL reporting and they REFUSE to remove them. This is becoming frustrating because I'm trying to repair my credit and buy a house but these student loans are stopping me. I've called them multiple times and sent certified letters to them with NO HELP. They told me they will keep reporting when they are supposed to delete them as stared on the letter. Please help me.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (MI)

I meet a lady that talked me into money transfers on cashapp to pay to get her inheritance left from her deceased husband so she use this wallet for me to put money in at cashapp account XXXX XXXX so between my wife and I weve lost around XXXX she just kept asking for more money until i finally realized she was using us my credit union also never challenged what were doing
Consumer complaint received 2018-08-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AL)

During the past two years I have had repeated problems with Ocwen Loan Servicing, LLC regarding accusations of missed or late payments. I am again facing the threat of " Adverse credit reporting '' and " Further collection activities. '' The harassment is unrelenting and comes via frequent ( monthly ) postal mail, and daily telephone calls. 
When I have talked to Ocwen representatives, my concerns have never been addressed. 
There have been times when I have made the extra payment just to get them to stop the harrassment. I can not afford to keep making extra payments which seem to never be properly credited to my account. I just did an audit of my bill pay records and I have not missed a single payment. Nevertheless, Ocwen is harassing me about a missed payment in XX/XX/XXXX. 
I have spoken with legal council, but the first step he wants to take is to have me pay for a forensic audit as well as his fees ... this I can not afford. The original loan was made in XX/XX/XXXX and to date ( 12 years ) the outstanding principal has only decreased by a minuscule amount on what is supposed to be a 15 year loan. Additionally, I am being charged an exorbitant interest rate ( 8.87500 % ) with credit scores in the 750+ range and no record of ever being late with any of my payments. I need immediate relief from the unrelenting harassment that happens every few months when Ocwen arbitrarily accuses me of missing a payment. Please help in whatever way will remedy this situation.
Consumer complaint received 2018-08-15
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)

On XX/XX/18 I sent a dispute letter to Experian. USPS certified receipt shows it was received by Experian on XX/XX/2018. The FCRA states disputes must be validated by PHYSICAL ORIGINAL CONSUMER CONTRACTS WITH MY PERSONAL SIGNATURE ON THE RECORD. After sending several dispute letters Experian continues to reply with a rubber stamp " Verified '' using XXXX which does NOT qualify as properly validated. On XX/XX/18 I sent three validation of debt letters to the original creditors. I received no response from either creditor. I myself could not get the debts verified with two rounds of requests and over 60 days of waiting but somehow Experian continues to claim my disputes with theses same creditors were " verified '' by them. I sent proof of these failure to respond disputes with the original creditors with my dispute to Experian on XX/XX/2018. I again requested these unverifiable accounts be delete from my report. On XX/XX/18 I received a letter from Experian stating they will no longer investigate my dispute. Despite me going out of my way providing paperwork showing these negative accounts as unverifiable and inaccurate, Experian blatantly decided they are not going to abide by the law. I am trying to avoid litigation and a complaint with the attorney general which is my next step if these accounts are not deleted from my account
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (WA)

This complaint is a follow-on to my previous complaint # XXXX. 
I have 2 Kohls Charge Statements now ( closing XX/XX/18 & XX/XX/18) to upload as well as a PDF showing a secure message that I sent them through their website about their fraudulent practice of claiming to have corrected their double payment error by issuing me a refund check on XX/XX/18. They have not responded to my secure message. They simply repeated my message as a reply and marked the status as completed ( a totally bogus response ). 
I have never received this check in the mail, so I could not have cashed it, thereby allowing them to have proof to proceed in changing my negative balance into a positive balance again.
Consumer complaint received 2018-08-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

A debt validation letter was sent out on XX/XX/XXXX asking portfolio recovery to validate debt that ar reporting on my credit report and in response they only could only send a letter stating they had verified it their records but not provide physical validation proof therefore I didnt get proper validation of the debt they are saying is owed.
Consumer complaint received 2018-08-15
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: BB&T CORPORATION (FL)

I had two car loans from a XX/XX/XXXX included in a Chapter XXXX Bankruptcy and XX/XX/XXXX included Chapter XXXX bankruptcy they both were removed from my credit report on or before XX/XX/XXXX by all there credit Bureau XXXX, XXXX  and XXXX. Since challenging these items, I've notice consistent removal of items that have been on my report over ten years. The removal causes my score to improve and within a few days of this score improvement, a new re-aged item appears on my report from medical collections, to previous auto loans that were previously removed that and included in the bankrupts beyond seven and ten years. I have sent disputes multiple times to XXXX, XXXX and XXXX regarding XXXX. This time around, I received an email from XXXX  stating their investigation will need more time, I assume because I attached each of the credit reports I've received from each Bureau dating back to XX/XX/XXXX, including disputes that they mailed me in the past letting me know when these accounts were and will be removed from my reports. I received updated reports with the removals. XXXX  deleted XXXX XXXX car loan along with my Chapter XXXX Bankruptcy and Chapter XXXX bankruptcies on or before XX/XX/XXXX. They have had many months of investigation, all the while my credit score continues to suffer from their non compliance of the fair credit reporting act.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (WA)

I have a Citi Rewards card that gives 2 % back. Starting in XXXX I have been unable to redeem these rewards. This is something that used to be very easy to do online. I have had many chat sessions and phone calls and the reps are also unable to redeem my points. They keep saying that it is a computer issue and that they are working to fix it.
Consumer complaint received 2021-04-12
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. (SC)

I called trans union to have my inquiries removed immediately because i am a victim of their inquiry issue and i also never authorized these inquiries. I called several times and they refused to remove these 5 inquiries off my report : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2018-08-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WV)

My first complaint dealt with Equifax requesting MY driver 's license to obtain a credit report for my deceased mother AFTER I sent to them her death certificate and Letter of Administrator which has my address on it. My complaint also dealt with Equifax not having knowledge of my driver 's license that I sent upon their request. I received MY credit report on XX/XX/XXXX - I never requested one for myself. I called Equifax immediately and spoke with a Supv'r who told me that my driver 's license was scanned but she could not read my address. I told her she could verify my address off the Equifax credit report that was sent to me without me requesting one. She refused. I received another credit report today ( XX/XX/XXXX ) for myself without request. I received TWO reports in my name I did not request and a report for my mother received today ( XX/XX/XXXX ) that was mailed ONE day ( XX/XX/XXXX ) BEFORE a telephone conversation with a Supv'r ( XX/XX/XXXX ) who stated " no report for my mother would be mailed out until they receive a copy of my driver 's license that they could scan and then read the address. '' Then, today in the mail I received an informational letter that they would release a report for my mother when i would send them a death certificate and a Letter of Administrator. The logic in this procedure is POOR because I sent them these two documents after the first request for my mother 's credit report as her executrix. 
My concern with respect with identity theft is that Equifax had a copy of my driver 's license that they could not locate and they stated they did not receive it but they had it because the Supv'r said she could not read the address. Then she requested a copy to be sent again and I refused because they misplaced the first one.
Consumer complaint received 2018-08-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CO)

I am XXXX years of age. I discovered that One Main Financial has charged me for unemployment insurance a few months ago. I have requested ( on XX/XX/XXXX ) that they refund these premiums since there would have been no coverage because of my retirement and age. In addition, my original contract with the lender required a reduction of interest as long as payments were made on time, which I have done for the last several years. However, there has been no reduction and, therefore, I was overcharged interest on this account for a number of years. I requested that this be done in my correspondence to them on XX/XX/XXXX of this year. As of this date, I have received no response to my requests for these refunds and I believe they have elected to ignore my request.
Consumer complaint received 2022-07-25
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. (CA)

records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

EXPERIAN : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2400.00} XXXX : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX : {$6400.00} XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1300.00} XXXX : XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020 XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HYUNDAI CAPITAL AMERICA (MD)

I have had several disputes with XXXX XXXX XXXX and they will admit to the errors and correct them and then they put the false late payments back on my credit report several months later. This has been an ongoing problem, I have 2 complaints that were filed with the CFPB to resolve this issue XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. Both complaints they admitted the payments were in fact not late and corrected them and now once again the same payments are again being reported as late. The payments that are being reflected as late are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX the same months that were previously corrected.
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection (NY)

In 2015 a salesman from XXXX talked me into getting an alarm system. 
He gave me a price and I accepted, but XXXX kept raising my bill, also the house is rented and my landlord rejected it. Another factor is I'm XXXX years old and XXXX XXXX XXXX  for XXXX  XXXX ... It turned out I had to stay at a VA hospital and wasn't home ... I called XXXX  and begged to be released from the contract.Within 2 weeks they removed the equipment and I thought it was over. Next thing I know they referred the account to Perfection Collection and kept charging me monthly until the account rose higher and higher..I never received any letter of resolution from Perfection, the only way I found it was that my excellent credit took a serious hit..I keep getting refused for credit because of this collection company..It shows up bad everytime ... I need to erase this black mark as soon as possible..It is unfair, I was taken advantage of by XXXX  because I suffer serious XXXX and didn't know for sure what the terms were. Can you please help me?
Consumer complaint received 2018-08-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This company calls every single day from MULTIPLE phone numbers. They have a new phone number EVERY SINGLE DAY. I repeatedly have asked them to cease and desist phone calls and to ONLY send communication through mail. The calls continue and I am getting incredibly frustrated by their tactics.
Consumer complaint received 2018-08-15
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. (PA)

Experian failed to respond to my dispute letter sent on XX/XX/XXXX within 30 days. I have enclosed a copy of the return receipt they signed on XX/XX/XXXX. Also, a copy of the original letter and the document supporting my dispute. The law stipulates that Experian must investigate within 30 days of receiving my letter and responded within 5 days of completing the investigation. THEY HAVE NOT FOLLOWED THE STIPULATIONS OF THE LAW.
Consumer complaint received 2022-07-25
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: Maximus Federal Services, Inc. (CA)

Over 30 days ago, I wrote to your company indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays dat XX/XX/2022 XXXX / XXXX has not responded/ replied/ answered to my dispute and therefore must update from my credit file. 

DEPT OF ED/AIDVANTAGE XXXX and DEPT OF ED/AIDVANTAGE XXXX Under the Fair Credit Reporting Act, your bureau was to have completed/ finished its reinvestigation of the disputed information within 30 days. I am requesting/ seeking/ demanding your assistance in the verification of the disputed data from my credit report. Kindly send to my address provided above an updated credit report as proof that this/ these have been updated.