davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

Date of Transaction : XX/XX/2022 XXXX Amount {$480.00} Unauthorized transaction. Have contacted Coinbase account support and card services too many times to count since XX/XX/XXXX. I bought a plane ticket om XX/XX/XXXX with my Coinbase card and then requested a refund from the merchant the same day which was credited to my account XX/XX/XXXX for the amount {$480.00}. This charge and refund was reconciled and balanced my account on XX/XX/XXXX. However, nearly 2 months later, I noticed a charge in the amount of {$480.00} on my account on XX/XX/XXXX. I did not initiate this charge. I called the merchant ( XXXX XXXX ) to determine if they for some reason charged my account but their investigation determined not. I suspect this is an internal error on Coinbase 's system. I have been told on every instance of contacting Coinbase that an account specialist will review my case. Not a single time have I been contacted by an account specialist so no resolution has been given. I have every email thread regarding this issue and I know Coinbase screens and records all calls. I have provided screen shots related to the complaint and charges. Here are a list of Case numbers related to this issue ranging from XXXX XXXX to XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already attempted to not only resolve this issue with the company directly but through the XXXX  as well. It led to some communication but was poor communication on behalf of Coinbase as they have yet to resolve the issue and communicate promptly.
Consumer complaint received 2022-08-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

XXXX XXXX, XXXX i been trying to sell some my persome items.I had someone interested on ring i thought it was size XXXX and someone purchase it.But when i was checking size it was XXXX and i donot know how i advertise wrong size.So i login my account XXXX went to message told Buyer i had wrong size, i had XXXX  Refund full amount..XXXX  policy states i would not get charge any fees for issue refund.XXXX  is UnAuthorize to charge my Credit Card any fees.If i ever get paid any money XXXX automatically deposit in my account on file.If i owe XXXX any fees at end of Billing cycle i Manually pay XXXX. So XXXX gave full Refund to Buyer.XXXX  turned around Charge my Capitalone Credit Card {$47.00} for this transaction.i tried turning in to Capitalone but there system stops me from report Fraud, UnAuthorize charge No Permission.XXXX  think they can do what ever they want, they are the XXXX XXXX XXXX XXXXXXXX Company Cheats the poor, XXXX  iam over XXXX XXXX.
Consumer complaint received 2022-09-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NM)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2022-08-18
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: MERCANTILE ADJUSTMENT BUREAU, LLC (CA)

I CALL XXXX XXXX  BECAUSE A COLLECTION ACCOUNT SHOW ON MY REPORT SOMETHING IS NOT MY THIS COMPANY DON'T EXIST THE PHONE NUMBER DISCONNECTED, AND XXXX DON'T DELET THIS ACCOUNT. ACCOUNT # XXXX XXXX XXXX XXXX  ( MERCANTILE ADJMNT BUR XXXX XXXX XXXX XXXX # XXXX XXXX NY XXXX THIS COMPLY GO TO XXXX I ESPECK TO THE TO FIX THIS AND DONT CORRECT THIS FAKE ACCOUNT I DEMAND XXXX TO DELET THIS ACCOUNT
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

After visiting a furniture store on XX/XX/22 and becoming aware that Clarity Services exists I attempted to obtain a copy of my consumer report. They have refused to provide me with the consumer report unless I provide them with my entire identity, driver 's license, social security card and proof of residency via mail or fax. I find this to be highly unethical and negligent business practice as well as a violation of my right according to the FCRA. To send my entire identity would be irresponsible and negligent on my behalf. This is sensitive information being requested by a third party.
Consumer complaint received 2022-08-18
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. (TX)

ACCOUNTS INQUIRES Equifax XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX XXXX .... 
XXXX XXXXXXXX ( 3 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXXXXXX ..... 
XXXX XXXX ( 2 ) XXXX XXXX XXXX ..... 
XXXX ( 1 XXXX XXXX XXXX ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX ( 1 ) XXXX XXXX XXXX XXXX ( 1 ) Factual Data XXXX XXXX ( 1 ) XXXX / XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( 1 ) XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account have now been not only placed on my Equifax but has now been placed on my XXXX and XXXX not all accounts appear on all 3 bureaus but these accounts are all affecting my credit, life and making it very hard for me to survive Several accounts have tried disputing with the bureaus and no action is being taking at all I am being told that they have been receiving payments on some of these accounts and I have not made any payments on accounts that do not belong to me! I have only tried calling the creditors to dispute the items and no luck.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received a call from a bank of america employee by the name of XXXX XXXX. XXXX called to advise me that the teller did not know that the hold on my deposit would be extended. XXXX said she could go ahead and close my case because ( in her mind ) she resolved the issue. XXXX said she would send me a letter in writing explaining what we discussed. I asked XXXX, is there a possibility that the hold could be extended again, this had the nerve to say she did not know but probably not as long as the check is not returned. Over the past week, I have heard this ( as long as the check is not returned ) several times from BOA employees and I am livid. I called XXXX XXXX XXXX ( the company that issued me the check ) and I spoke to XXXX. I asked XXXX if this company had a history of issuing bad checks. XXXX said no, they have done business with BOA in the past and their business ( XXXX XXXX ) is a very large corporation and any hold placed on the check is strictly because of BOA, it has nothing to do with their company or the bank the check is drawn on because they are a reputable company and they bank with a reputable bank.
Consumer complaint received 2022-08-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUHOME SOLUTIONS, LLC (MO)

Hello, My ex wife was awarded the home in XXXX ( divorce ) and the decree stated she is to pay without causing my credit issues. She is just now trying to refinance but the lender is filling out the XXXX incorrectly. As in XXXX of XXXX and as recent as XXXX the mortgage was over 30 days late. They are filing that no 30 day lates have occurred in the last year which is false and stated by them. My credit has even taken hits. So how or why are they able to lie on documents about payments but I still have my credit taking hits?
Consumer complaint received 2022-08-18
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. (NC)

XXXX XXXX inaccurately reported a late payment of 30 days for XX/XX/2022 on my credit reports. I disputed the late payment with XXXX and Transunion. The disputes resulted in XXXX XXXX updating to reflect paid on time with all 3 bureaus to include XXXX. In XXXX however, both Transunion and XXXX again inaccurately reported the late payment. Transunion reported it again as 30 days late and XXXX reported it as 60 days late this time with both being inaccurate. XXXX still shows the account as never late although it is now closed which is accurate. I disputed the items again with both Transunion and XXXX using information furnished to XXXX from the creditor themselves that shows {$0.00} past due in the month of XXXX as well as no activity indicator of any payments past due. Both XXXX and Transunion still refuse to update my credit report accordingly. I requested a copy of the information furnished to Transunion in response to my dispute regarding the late payment reported and a representative explained to me they don't get involved or ask for any proof. They only ask the company to verify whether or not is true and if the company says it is verified they will not remove it. 

I filed a complaint with the CFPB which is now closed. Transunion stated they updated the account in the conclusion however nothing has been updated. They stated they removed a name which they did not and that does not address the issue that I have. I have the payment history report that XXXX XXXX furnished to the credit bureaus which shows amount past due for the reported late payment as {$0.00} because there were no amount past due. There also is no activity indicator of a late payment on the payment history report that XXXX XXXX provided. Transunion refuses to update my credit report according to the payment history report provided from XXXX XXXX which I forwarded over to Transunion.
Consumer complaint received 2019-02-08
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. (IN)

XX/XX/2019 I was notified on XXXX XXXX and XXXX XXXX that a bankruptcy that was reporting on my credit file had been removed in the process they took it off and put it back on there which can not do they did not verify this information I know because the federal court here does not report to credit companies therefore they lied like it was verified so they removed and put it back and it need to be deleted which is a violation this was Transunion
Consumer complaint received 2019-02-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

Over the past year or two, I have been set up on a lower payment plan from Navient, taking the amount down from around {$1300.00} to around {$700.00}. I recently in XX/XX/XXXX called on XX/XX/XXXX to renew this lower payment. Out of nowhere I was told that the procedure had changed, which I was not told about prior to this call. I was told to call in XX/XX/XXXX before the payment date of XX/XX/XXXX to renew for the following payment month. The lower payment used to be based on solely my income, but now they are asking for my co-signers income. He is refusing to help me. If my amount goes up it will be more than my monthly salary and I physically will not be able to do it. This is causing me extreme stress. I want to pay but if the amount gets any higher I wont be able to. I am struggling as it is with the lowered amount.
Consumer complaint received 2022-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sezzle Inc. (NY)

I have disputed with consumer reporting agencies back in XX/XX/2022 and sezzle verified this debt as accurate, despite proof. 
They continue to report a balance of {$150.00} when this has been paid of. 
I have written to sezzle with no resolution. 
Sezzle is reporting a balance owed when this account was sold to XXXX XXXX who collected the balance. I have submitted proof to sezzle in writing showing proof that this debt was paid in full. Sezzle has continued to blatantly disregard FCRA Laws by reporting inaccurate information even though they are aware and were given proof. Under the FCRA as a furnisher of information, they are responsible for the completeness and accuracy of the information that they're reporting. This is the " SECOND REQUEST '' with the CFPB as Sezzle has not responded to the first complaint in XXXX. I have disputed the inaccurate information with XXXX, XXXX, and XXXX and they have continued to repeatedly verify the erroneous information. They are in violation of FCRA, 15 U.S.C. 1681s-2.

Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Recoveries, Inc. (WI)

I disputed a collection from a debt collection agency due to the collection not being mine ( identity theft ). The collection appears to be XXXX XXXX XXXX. I believe that my ex husband opened this account with his previous girlfriend while we were married 12 years ago and used my identification information ( state issued ID, social security number ) instead of hers due to her having a criminal record. The debt was for renting an apartment. He has since then filed bankruptcy and was relieved of the collection but it remains under my name even though it is not my debt and I did not authorize the use of my identity. The collection is not on my credit report, it actually was dropped from it due to the identity theft claim. The collection agency sent me a letter XX/XX/22 stating I still owed this debt. They are threatening to garnish my current husband 's wages for it even though it is also not his debt. The collection amount is {$5000.00}, originally from XXXX XXXX XXXX. The collection agency is Financial Recoveries Inc, located in XXXX XXXX XXXX WI.
Consumer complaint received 2019-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (FL)

Since XX/XX/XXXX I have been waiting for XXXX to review and calculate the number of payments attributed to Public Service Loan Forgiveness which was extremely undercounted and inaccurate as they did not reflect years of payments with prior loan servicer and had inconsistent numbers across loans as if I make payment separately which has never been the case. I followed up with them in XX/XX/XXXX and again this month to no avail. I have also requested a copy of all of my records so I can make my own calculations in XX/XX/XXXX and only received records from since XXXX when account was transferred to despite that those records should have come with the account. This gross negligence is compromising my student loan forgiveness as I have more than 11 years of employment certifications filed with them. Moreover I was forced into forbearance for when it took them nearly five months properly calculate my payment further delaying my progress.
Consumer complaint received 2022-08-18
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. (FL)

I accordance with the far credit reporting act XXXX  account 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 instructions.
Consumer complaint received 2019-04-01
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: National Credit Services, Inc. (AZ)

Upon review of my credit report in XX/XX/2019 it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by the separate collection agencies, one being National Credit Services. I sent a original certified and notarized letter requesting validity on the alleged debt on XX/XX/2019 to National Credit Services, and requested items be deleted per my report if validity not received in the allowed time frame. I have not received a response letter in this matter.
Consumer complaint received 2019-11-19
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. (TX)

I had issues in XXXX and XXXX making my payment with XXXX XXXX XXXX. Due to this issue I had a payment returned. I reached out to the manager to express my wanting to keep my credit with the company good, but needed help due to my payment complications. She advised me of a modification that can be done as long as I make the modification that day. And my credit history wouldn't be effected. I did and asked was there anything else due. Per the email attached, they told me no. Over the next two days I got a email stating my account was 30 days late. I reached out to the office and they stated that they couldn't do anything, even though I was given false info.
Consumer complaint received 2020-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AL)

Transworld Collections constantly calls ( XXXX ) XXXX attempting to collect a debt from someone named XXXX XXXX. We have told them repeatedly that no XXXX XXXX at this address or phone number. We have been told repeatedly they would remove our phone # from their database, but they have called 3 times JUST THIS WEEK. This has been our phone # for 7 months and we have received no less than 2 dozen calls from this company no matter how many times we tell them we do not know XXXX XXXX or how many times they tell us they will stop calling us, they continue to call.
Consumer complaint received 2022-08-18
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 Transunion. 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 n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-02-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Debtor is trying to collect a debt which I have no contract with this creditor. 
XXXX XXXX XXXX. XX/XX/2015 -- - {$350.00}
Consumer complaint received 2019-02-08
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. (MO)

Credit Bureaus reporting inaccurate information on accounts. Disputed these items before but still have no accurate verification of the information that's being reported on closed accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (WA)

I have a Chime bank account that I use for my SSI direct deposit. On XX/XX/XXXX, two unauthorized transactions were made on my account. I filed a dispute, and Chime denied the dispute the following day. This was a fraudulent use of my account and {$370.00} was stolen that Chime refuses to fix.
Consumer complaint received 2019-02-08
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. (MO)

Credit Bureaus reporting inaccurate information on accounts. Disputed these items before but still have no accurate verification of the information that's being reported on closed accounts. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

Credit bureaus are reporting inquiries that I have no knowledge of. I wasn't extended any credit from the below listed companies. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX