davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (GA)

On XX/XX/XXXX, I purchased XXXX LTC from Coinbase (worth $XXXX USD at that time). My savings account did not fulfill the purchase, even though I explicitly authorized it, but the LTC was delivered to my wallet by Coinbase.Since XX/XX/XXXX, Coinbase has notified me of an "Issue with Recent Buys" that requires me to reimburse them for the $XXXX USD that never cleared. I am willing to do this, and repeatedly have tried, but either nothing happens (when I attempt to pay via bank account or credit card) or receive an error message that reads "There was an error processing the payment, please choose another method"  (when I attempt to reimburse the $XXXX via LTC).This means that, since XX/XX/XXXX, my money and digital currency has been locked in the account. I cannot trade, withdraw, deposit or otherwise transact with the platform. I have called customer support 5 times and spent over 6 hours on hold, as well as submitted an email ticket, each to no avail. I need this resolved *immediately* due to the volatility of cryptocurrencies.
Consumer complaint received 2022-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act 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 2021-06-10
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. (OH)

During the past XXXX months starting XXXX to now, I have reached out to these companies regarding the inaccurate information being reported on my credit profile. At this point I feel like I am receiving auto generated responses and being ignored and taken advantage of. On my credit report there is an item listed as " XXXX XXXX '' with the account number " XXXX '' on this account, the date of last activity does not match up between all three bureaus therefore I need this account to be removed immediately according to my consumer rights that state all inaccurate and incomplete items must be deleted within 60 days. On my report, all 3 bureaus are not reporting that same, accurate DATE OF LAST ACTIVITY. I know that the date of last activity date is very important and can cause this alleged debt to be re-aged and inaccurately reported again. I have reached out to XXXX XXXX and all three credit bureaus several times and this account keeps being verified as accurate. How can it be verified as accurate when this is the same account reporting but the dates are not the same? How is this possible? I continuously let the bureaus know that this information is incorrect and I am constantly being ignored. This is not fair and its causing me stress, loss of money because of interest fees, defamation of character and holding me back from moving ahead during this pandemic. I am very upset because situations like this cause me to lose thousands of dollars and continue to hurt my report and chances and moving forward. Please delete this account.
Consumer complaint received 2020-07-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (OK)

I filed a complaint with the CPFB regarding a mortgage application with Chase. The company responded today. The letter is attached. The letter clearly states that if I withdraw my application I am not eligible for a refund. I have been pressured multiple times by XXXX XXXX XXXX and XXXX. XXXX XXXX to withdraw my application which would then make us ineligible for a refund. We are seeking a refund of our {$500.00} " Good Faith Funds ''. XXXX XXXXXXXX XXXX in multiple instances misled us, lied and fabricated information. He verbally told us our rate was locked and then subsequently told us it wasn't because of a Chase computer glitch. He then offered to call me everyday to review treasury market data to insure that we received the lowest rate possible. The rate later increase to 3.0 % from 2.625 %. We are seeking a refund of our " Good Faith Funds '' as a result of his fabrication and misleading statements.
Consumer complaint received 2018-12-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (GA)

The collection agency representative could not get me on the phone so he/she proceeded to speak with my wife about my debt/account. My wife is not an authorized user on my account or authorized to speak to anyone on my behalf. This has happened twice. They tried to get her to authorize a payment arrangement on the account. She told them they should not be speaking to her and asked that they call me instead. They insisted that the laws allow them to speak to her in my absence. 

The most recent call was XX/XX/2018 and the one prior was about 2-3 weeks ago.
Consumer complaint received 2023-03-21
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: Mercedes Benz Financial Services (MO)

An item has been furnished to my Consumer Report without my consent on XX/XX/2023. This is an initial notification to XXXX XXXX XXXX XXXX XXXX not providing me with Pursuant 15 USC 6802 ( b ) as a consumer which give me the right to " OPT-OUT ''. They have committed not only fraud but, identity theft on behalf as a consumer. I was never issued 3 disclosures in regard to any privacy notice of protecting my non-public personal information at consummation. It also violates XXXX XXXX for failure to safeguard my personal information & negligence on their behalf. Sharing my information with non-affiliated third parties/companies without my consent is identity theft. XXXX, XXXX, XXXX are non-affiliated third companies & an invasion of my right to privacy. 
Mercedes Benz Financial is not an affiliate with such entities such as XXXX, XXXX, XXXX, XXXX, XXXX, ETC. 

Sharing my vital non-public personal information is a clear violation. 15 USC 6802 ( b ) Attached is the law located on FTC government website & FTC ID Theft Report. The FCRA govern Consumer Reporting Agencies to remain fair & accurate under 15 USC 1681 Congressional Findings ( 3 ) ( 4 ) ( b ) NOT Financial Institutions.
Consumer complaint received 2022-03-06
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: TD BANK US HOLDING COMPANY (MA)

Pursuant to 15 usc 1681 ( a ) ( b ) You did not comply with any reasonable procedures to meet the needs of commerce. This report is not fair, nor equitable to me. My information was not Confidential proof of this is I have been receiving pre-qualification offers from different companies, and I have soft inquiries from companies I never agreed to do business with This information is not relevant, nor accurate and it was improperly used, and does not comply with this subchapter of the FCRA ( Fair Credit Reporting Act ) to remedy the injuries you have caused to me, and to save us both time and money in court I am demanding that you do the following : delete following accounts
Consumer complaint received 2024-03-02
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. (MN)

NOTICE was sent to the 3 major CRAs and they are all NON COMPLIANT and YOU ALL HAVE EXHAUSTED THE FOUR 4 BUSINESS DAYS TO BLOCK PER THE FCRA. YOU HAVE BEEN WARNED!!!

PROVE BY WAY OF A PUBLIC LIEN AND XXXX FINANCING STATEMENT THAT I OWE YOU A DEBT. YOU ARE FALSILFYING RECORDS THAT ARE INJURING THE TRUST AND THE TRUST BENEFICIARIES!!! 

I asked for production, do you have copies of all of the accounting for the history of this account? Bills of Particulars these complaints are evidence of AGGREGATED IDENTITY THEFT!!! 
pending complaints since XX/XX/XXXX XXXX - XXXX XXXX XXXX Experian XXXX - Equifax DEFAMATION IN THE LIBEL. REMOVE THIS NON PUBLIC INFORMATION REPORTING AS IT IS INJURING ME PREVENTING ME FROM FEEDING MY FAMILY & BUYING A HOME. THIS IS A BREACH OF TRUST YOU HAVE NOT SPOKEN TO ANY OF MY NEIGHBORS, FAMILY, FRIENDS NOR CO-WORKERS as part of a CONSUMER INVESTIGATION, RE-INVESTIGATION REPORT You are also violating laws by including specific factual information relative to the EXPERIENCE between the CONSUMER and CREDITOR!! 

You are in violation and see the above cited complaints for the minimum violations fines and penalties you have now subjected yourselves to!! 

You have been served NOTICE REVERSE THESE LATE PAYMENTS AND UPDATE STATUS TO : PAID. NEVER LATE. - XXXX XXXX XXXX XXXX XX/XX/XXXX {$32000.00} - XXXX is violating Federal banking and accounting as no bank can place any liens on any collateral or assets and PRETEND to extend a loan. Also no banks can extend loans or credit from THEIR OWN CREDIT ... XXXXso XXXX XXXX whose CREDIT was actually used to finance these transactions? XXXX where is the evidence in your Indenture and Prospectus that I OWE YOU SOMETHING OF VALUE AND WHAT MONEY WOULD ONE OWE YOU PER THE CONSTITUTION OF THE UNITED STATES??? XXXX you are in possession on NON PUBLIC personal private information in error XXXX XXXX due to no parties demanding there be a signed SSA-89 form before ACCESSING THE SOCIAL SECURITY NUMBER. You did not get proper legal CONSENT. Therefore do whats in the best interest of the Beneficiary of the Public Trust and this Trust relationship for which you are generating GAINS misusing the TRUST without having given its Beneficiaries full disclosure and payments received generated by the use of the social of the Trust. 

THIS IS IDENTITY THEFT
Consumer complaint received 2018-12-18
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. (FL)

I have been fighting XXXX  & Equifax about and account that should not be reporting on my file. There are two XXXX Accounts one with a partial account number of XXXX reports opened XX/XX/XXXX and the other is XXXX which shows opened XX/XX/XXXX both are indicating I was an authorized user and at no time did I ever apply or hold an account with XXXX. Why are these still on my credit report?? They are not mine, I never gave consent and they need to be removed. Anyone can put a person on their account without the knowledge of a person and then go late and then it effects their scores? THESE WERE NOT MY ACCOUNTS!
Consumer complaint received 2018-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: STATE FARM BANK, FSB (VA)

This is the 2nd time I have had a problem with this company.  I have brought my account current and made a payment from what they are saying before the statement ending date and I was charged a late fee because they say I have not made a payment prior to the end of XXXX.  The one I made on XX/XX/XXXX was to be applied as the XXXX payment.  This State Farm credit card is such a sham.  The lower my balance is it seems they keep trying to find a way to keep assessing charges so this balance does not get paid off.  I currently have no card and no access to credit with them.  I called on XX/XX/XXXX to ask if they would waive the late fee as a courtesy.  The rep said she couldn't because I had already had one waived.  I explained what happened.  She got off the line and I suppose inquired of a supervisor and they said no. I sent an email on the same day making a request and was given a no answer.  Obviously I made a mistake and they continue to make me pay for it. I also made a $XXXX payment just today to satisfy my requirement so I don't get hit with another one.
Consumer complaint received 2021-06-07
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. (AZ)

Called into Equifax about statement on my report and that they need to be removed and they took my information told me 1-2 business days and are refusing to fix this information of deleting the statements per my request. I am the one who put the statements there I asked for them to be deleted. Tried to follow up and get the complete run around from all agents. They are not updating my information currently either. they have sent me disputes from over a year ago but not resolving the current issue. Every agent is refusing to do what needs to be done. I have negatives and every account has been paid on time which is them not updating my account correctly either. I am needing help to get this done as they are refusing to do anything.
Consumer complaint received 2018-12-18
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: EQUIFAX, INC. (TX)

Equifax has been non-compliant with removing the unverified account XXXX   XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Loancare LLC began servicing my mortgage as of XX/XX/2018. I received a letter via USPS dated XX/XX/XXXX containing a XXXX form with information fields populated containing personally identifiable information including my name, address, SS # and mortgage loan account number. Loancare wanted this form signed then mailed back via USPS. All this information can be used to access the account via telephone. This is likely a violation of numerous regulations including the Gramm-Leach-Bliley Act among others. I called Loancare to express my concern over their disregard of customer data protection and requested to speak with several executive managers by name over the compliance and data security practice areas. Loancare would not connect the call and instead gave misleading information about sending such data via US mail with no regard for protection.
Consumer complaint received 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Refused to respond back/failed to investigate. Per FCRA, credit reporting agencies have 30 days to respond. XXXX said " give them 60 days '' and yet no response from them. It's been 3 months now. I am unable to move forward with applying for a home mortgage
Consumer complaint received 2018-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I found out that my loans, now transferred to XXXX XXXX  from XXXX, have now had their clock restarted at month XXXX for making the 120 qualifying payments. I am almost finished my 10 years since paying the loan and now I find out that I am starting at the very beginning! There were several discrepancies. At several points my loans were placed in forbearance not of my choosing ( XXXX says that XXXX may put my loan in forbearance without my knowledge at any time ). They have lost almost 2 years of payments when my loan service provider had a different name ( XXXX used to be XXXX XXXX from the dates XX/XX/XXXX to XX/XX/XXXX ) even though I have the email confirmations of payment. Plus the fact that I USED to be on an income repayment plan when I re consolidated my loans and that seems to have disappeared off of my record. This is absolutely horrible! I am working as a XXXX at a XXXX   XXXX  where I could have used my XXXX XXXX XXXX in a private sector job. I wanted to work for my alma mater and love working in XXXX XXXX. It seems that many were duped by the PSLF and apparently there is nothing I can do.
Consumer complaint received 2018-12-18
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: ALLY FINANCIAL INC. (TX)

XXXX  has been non-compliant with removing the unverified account ALLY FINANCIAL XXXX which has been deleted by XXXX   and XXXX. XXXX  and XXXX have both completed their research and determined that ALLY FINANCIAL was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-03-06
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: CITIBANK, N.A. (MA)

Pursuant to 15 usc 1681 ( a ) ( b ) You did not comply with any reasonable procedures to meet the needs of commerce. This report is not fair, nor equitable to me. My information was not Confidential proof of this is I have been receiving pre-qualification offers from different companies, and I have soft inquiries from companies I never agreed to do business with This information is not relevant, nor accurate and it was improperly used, and does not comply with this subchapter of the FCRA ( Fair Credit Reporting Act ) to remedy the injuries you have caused to me, and to save us both time and money in court I am demanding that you do the following : delete following accounts
Consumer complaint received 2018-12-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

Today, XX/XX/XXXX, I received a phone call from XXXX at XXXX XXXX XXXX in Georgia. He told me he was attempting to collect a debt owed to HSBC Bank in the amount of XXXX. I was informed that this account was opened in XX/XX/XXXX at an address that I have not lived at since XX/XX/XXXX. When I  informed him that not only did i not have an account with HSBC and didn't live at the address when that card was opened, he basically disregarded me and said I'd have to go to court to dispute that. He refused to provide any further information stating that some credit cards have a small hsbc bank written on the bottom of it but he couldn't give me anything more than HSBC and the account balance. He also informed me that he would only email me the affidavit of claim and i had 24 hours to decide if i was going to make payment arrangements or have it go to judgement. 
After I hung up I called HSBC bank who informed me they had no record of me having an outstanding debt with them or in collections. 
I found out some of my rights to information from cfpb and contacted the company back. When I called they tried to verify the last 4 of my social which i refused and was hung up on. The man XXXX I spoke too called right back and was nasty asking me what I wanted. I asked him to please provide a copy of the affidavit via mail ; he refused stating that " it's too easy for people to claim they didn't get the letter ''. I told him he's required to send correspondence via mail and also to provide who my creditor was as well as giving me 30 days to dispute. He said he wasn't required to do anything, that he was marking me as a refusal to pay and hung up on me.
Consumer complaint received 2022-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Chase checking card started taking disputes replenishing the money waiting until the account was even then stating I had a negative balance which I did not. In fact the customer service representative realized what I was saying was accurate and went to speak to her superiors who stated the account would be closed. Okay why there was direct deposit coming in then literally a month later Chase credit card closed my account. I ask why what is going on? no one states anything. I filed a police report for unrecognized transactions earlier in the year for fradulent behavior. I asked to speak to someone who is in charge and they said there is no further information they can gibe. I have no idea what is going on but it is my belief their is a representative that works at Chase who is doing things to my account, mostly because it is way too often within an3 year time frame where a disgruntled employee had access to my chase account number. I went as far as changing the account number and its still happening. Chase has closed my account twice now for no reason affecting my credit as I have had this chase credit card for 6 to 7 years and I dont deserve it.
Consumer complaint received 2018-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ABR Recovery Services LLC. (MD)

A company called ABR Recovery Service keeps putting a derogatory collection on my credit report that is decades old. They keep putting it on there as if it were a new debt asking for {$1100.00}. The name of the original credit card company is XXXX, and I think I had a credit card with them over 20 years ago, but cut it up when I got divorced in XXXX. 
Now, ABR Recovery Service can't even keep track of how many times they have put this on my credit report, so now the exact same thing is showing up on my credit report twice, only on one they put the origination date of XX/XX/XXXX and on the other an origination date of XX/XX/XXXX, so it is completely destroying my credit on XXXX  because it's appearing as two separate derogatory marks on my credit. To be clear, nothing was " originated '' on either of those dates. I looked it up and this is called illegal re-aging, taking a very old debt and making it look like it's new.