davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part.
Consumer complaint received 2020-07-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (AZ)

On XX/XX/2019 I received XXXX ( Worth then {$18.00} ) of XXXX XXXX ( XLM ) on an airdrop from the XXXX app. My friend sent me XXXX more XXXX as a gift to help me start investing in cryptocurrency. I then sent XXXX XXXX to my digital wallet on Coinbase. 

After XXXX weeks I noticed I didn't receive anything and contacted Coinbase support. This began a cycle of them shutting down my support question when it was unresolved or telling me I had to send them more XXXX  to verify when they lost my initial deposit in the first place with vague instructions. I tried to get live support but they kept sending scripted messages with either the issue was resolved or send another transaction. 

I have included screenshots below with the XXXX transaction and messages from support. XXXX mail deletes anything longer than XXXX  days so my earliest email shows XXXX but I have tried to contact them since XXXX.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm having issues with XXXX, Transunion, XXXX they pretend to investigate your case on your behalf & do nothing! I sent out a letter to the company on XX/XX/2022 to inform them to correct my account & later they pretend to verify the account which they did not with this student loan company. I called the XXXX XXXX XXXX XXXX they did not have any information on my account because they so-called transferred the account to XXXX which I called also & no information is coming up in their system for me meaning there's no proof that I have this account I also sent the company a letter to validate my account with the original document & XXXX XXXX XXXX  XXXX ignore me, XXXX keeps on dropping my score for no reason it has not even been XXXX days like they claim. XXXX pretends to investigate & doesn't do anything. I have things that are on my credit report the statute of limitation expired on this account they leave it there!! also, I pay all my credit cards down but somehow they still show I have a large balance which is incorrect!! They also pretend they can not process your information because they can not identify who you are when you sent in your picture ID, SS card #, address, they do this to delay the process of processing your claim or investigating the claim they want to keep you at a low credit score, I have documentation I sent the companies paperwork & paid certified mail.
Consumer complaint received 2022-02-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$230.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX,2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2019-11-18
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: Penn Credit Corporation (PA)

In XX/XX/XXXX, My husband and I sold our house and moved from our home in XXXX XXXX, PA. We called the electric company to pay our bill and schedule shut off of our electric at the house. Sometime later in XXXX I received a collection notice from PENN Credit ( acct # XXXX ) regarding a past due elective bill. I did not know where this bill was coming from as my husband and I had to make a final payment in full on the electric bill of our home in order to schedule the power to be shut off at the home we sold. After multiple calls with the electric company and Penn Credit, the end result was that there was a gap from when the new home owners moved in and when XXXX shut our account off. XXXX would not adjust the bill to the correct account. Penn Credit just wanted their money. There was no way to even talk to the new homeowner to try to get them to pay the bill. So, frustrated and not getting help from any direction, my husband and I finally just paid the bill. It was agreed and the representative from Penn Credit confirmed that once I paid the bill over the phone with my bank card on XX/XX/XXXX the account would be removed from our credit report. Months later, the account is still on my credit report and affecting my ability to buy a home. We have spoken with one of the credit bureaus it is being reported to ( XXXX ) and they have indicated that they dont know why it is still on the report and it can be taken off, but needs to come at the request of Penn Credit. Any bank I speak too states the same. We have contacted Penn Credit multiple times and were told I can try to dispute all I want, they will just keep kicking it back that the account is closed but will never take this off of my credit report. They dont have to or want to. This is causing a major financial headache for me in trying to improve my credit and buy a home. I dont know what to do at this point. Penn Credit is preventing me from being able to obtain a loan. I have done what they asked and were promised it would be. I feel like my credit is being harassed and held hostage by this company.
Consumer complaint received 2018-10-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FCI Lender Services Inc. (CA)

XXXXXX/XX/XXXX is a collection agency for the XXXX XXXX and is trying to collect a debt that has been discharged through bankruptcy more than 9 years ago. In addition to the discharge on Chapter XXXX, the house was foreclosed on XX/XX/2018 completely clearing me of any debt that's owed. I continue receiving debt collection letters and threatening statements that they'll report to the three major credit agencies if I don't make new arrangements.
Consumer complaint received 2018-10-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

The interest that has been charged while I was deployed and was being recalled to XXXX XXXX was around {$1300.00}. I tried to send them all of the sets of military orders to have help with the SCRA and they hang up on me every time and will not respond to me or give me an answer or help me.
Consumer complaint received 2018-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I went to the ATM at my bank ( Chase ) on XX/XX/XXXX and checked my balance. I saw that it had only {$14.00}, when I knew that I should have a lot more. I then checked the last five transactions, and saw that there were two withdrawals that I had not made - of {$1800.00} on XX/XX/XXXX and of {$180.00} on XX/XX/XXXX. I went to the teller and reported this. She said they would investigate it and to come back the following Monday. I went back several times. On XX/XX/XXXX, they gave me a letter that said they denied my claim because I benefited from the funds and that they would not pay me back the money that was withdrawn. At the same time, they recommended that I close my account and put an alert on my account at chase.com to protect myself against fraud. On XX/XX/XXXX, a Chase employee gave me a copy of the withdrawal forms for these two withdrawals, along with the two IDs that I used to open the account. They claimed that it showed that the signature on the withdrawal slips is the same as that on the documents, and that the passport was used as an ID when the withdrawals were made. That passport was stolen from me on XX/XX/XXXX. Those signatures are not mine. I sign with my XXXX XXXX since I had a XXXX although I was formerly XXXX. I could not have made the signatures on the withdrawals slips that they claim are mine.
Consumer complaint received 2018-05-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FRESNO CREDIT BUREAU (CA)

XXXX XXXX XXXX  has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2022-01-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly stats that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days, so they should be deleted promptly. I demand that these accounts be deleted immediately or I will be forced to file for litigation due to the stress you caused me.
Consumer complaint received 2018-05-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

This complaint involves XXXX XXXX and XXXX XXXX. I tried settling this debt many times and finally could not access my account at all. XXXX no longers uses XXXX XXXX and they keep trying to collect from small consumers instead of suing XXXX. I paid and paid on this debt and it never seemed to go away. I am being harassed by a 3rd party debt collection agency with repeated calls daily trying to collect on a debt I do not believe I owe. The bank is ruining my life and credit score and I am in the process of trying to sell a house. I have a bank account with XXXX XXXX with money in my account from Social Security that I can not even access because the bank repeatedly closes my account because I have suspicious foreign transactions occuring. This happens every month around the first week of the month. I have told XXXX XXXX that I made the transactions and yet this happens every month. To add to the problem I am XXXX Veteran married to a foreign national who has every right to stay in this country despite the fact she is not a citizen because she holds a green with a 7 or 10 year status.
Consumer complaint received 2018-05-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NC)

Lost my job coming out of college in 2012, so obviously couldn't make many payments on my already predatory loans ( 15.25 %, 11.5 %, 7.25 % ). Asked Sallie Mae if I could refinance or lower monthly payments, they declined abruptly. Said I could go into forbearance to stop payments altogether, but interest would continue to grow. At those interest rates, non-payments would increase the amount of time I would have to make payments significantly.

I entered Forbearance and continues to make as much repayment as I could, but eventually had to go to XXXX  and utilize some of my parents ' assets in order to get a lump sum loan in order to pay off these higher interest loans ( at this point, they were around $ 30k at 15 % when the initial loan amount was somewhere around $ 10k-12K ).

If it weren't for my parents to put assets up for me to get a loan, I would be drowning in student loan debt right now. Not everyone is as lucky as I am, and it saddens me to see a promise of a better life via education be taken advantage of by these greedy companies who pose as someone out there to help.
Consumer complaint received 2022-02-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX  XXXX {$4300.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2020-07-28
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: Nelnet, Inc. (GA)

ALL OF MY STUDENT LOANS WERE PAID OFF BY NELNET. BUT THE LOANS STILL REMAIN ON BOTH OF MY CREDIT AGENCIES AS OPEN. PLUS THEY ARE SAYING THAT I OWE FED LOAN SERVICING AND THE DEPARTMENT OF EDUCATION AND THEY ARE BOTH IN THE SAME.
Consumer complaint received 2022-02-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX / XXXX / {$10000.00} XXXX XXXXXXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I sent in multiple letters ( give a date that is back dated about XXXX days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
XXXX XXXX XXXX XXXX ( XXXX ) validation of debt XXXX XXXX XXXX XXXX harassment and abuse XXXX XXXX XXXX XXXX False or misleading representations XXXX XXXX XXXX XXXX practices Under XXXX XXXX XXXX XXXX civil liability
Consumer complaint received 2022-06-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (CT)

While trying to order a payoff statement from Freedom Mortgage Corporation ( XXXX XXXX ) the fees related to the payout statements were not properly disclosed, nor was an initial payoff statement in accord with their website terms originally provided. Payoff was requested XX/XX/2022, the website instructions showed that a statement good for 30 days would be provided, there was no indication of the 30 day period on the resulting statement. Additionally the fee structure published and reviewed on the website prior to requesting the payoff did not properly disclose the {$30.00} payoff statement fee that was later charged to my account.
Consumer complaint received 2021-05-09
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. (MN)

Ive been disputing items that are incorrect on my TransUnion credit report and have provided documents to prove the error, but TransUnion have yet to correct this matter and is violating my fCRA rights XXXX. XXXX XXXX XXXX is reporting late payments XXXX, XXXX and XXXX of 2020 is being reported incorrectly, the payment history is included in the attached file XXXX XXXX is reporting no late payments but is reporting derogatory XXXX. XXXX XXXXXXXX is reporting no late payments but is reporting derogatory..
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: COLUMBIA BANKING SYSTEM, INC. (WA)

New Servicer Columbia State Bank, XXXX, WA XXXX has not paid property taxes. I received a notice from the treasurers office. I've made multiple attempts to get information from Columbia State Bank with no response. I've left multiple messages, and the person answering the customer service line states " we know there's a problem, we've received multiple complaints, we will notify you when we know more or a supervisor will call ''. I've not received any calls or notifications from Columbia Bank.
Consumer complaint received 2021-05-27
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: EQUIFAX, INC. (MA)

Equifax is falsely reporting the late payment history for XXXX account XXXX. False reporting late payment history is a violation of the FCRA. I have requested in my dispute multiple time for Equifax to stop reporting this false and subterfuge entire late credit history because of this is a violation of the Fair credit Reporting Act by Equifax to report false and subterfuge information. 

See attached supporting documentation
Consumer complaint received 2018-05-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IN)

I applied for a new home equity loan with my bank Chase. I make mid 6 figures of income, have absolutely perfect credit, I have my first mortgage paid off, 800 + FICO score, no credit card debt and currently over {$100000.00} in my various checking accounts at Chase. In my humble opinion, an excellent credit profile. Chase told me I was approved for a {$100000.00} home equity line of credit. Then they call me yesterday and wanted to know why I wrote a check to the XXXX XXXX XXXX for a little over {$20000.00}. They have no right to go into my checking account and look at my cancelled checks. They violated my privacy and my constitutional rights. By the way the check is for a family vacation rental this summer. I am filing a complaint that my privacy rights and constitutional rights have been violated by Chase.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I XXXX XXXX, ( DOB ) XX/XX/1989 HAVE SENT MUTIPLE FAX REGARDING THE INCONSISTIES WITH MY BIRTHDAY AND ADDRESS, IM REQUESTING THAT MY BIRTHDAY BE UPDATE TO XX/XX/1989 AND MY ADDRESS TO BE UPDATED WITH XXXX XXXX XXXX XXXX XXXX MI XXXX, I WILL LIKE TO VERIFY MY INDENITY WITH XXXX, XXXX, EXPERIAN WITH BOTH UPDATE ITEMS THANKS IN ADVANCE ... .ALSO XXXX XXXX XXXX XXXX MI XXXX SHOULD BE DELETED ....