davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

Coinbase I have been locked out of my account for over 3 months. They changed system to only send code to SMS text ( phone ) and it does not go through. They sent verification code to email and i put in that code. It still requires code to be sent to phone and it does not go through. Checked with XXXX XXXX XXXX and thousands of individuals have this issue - it is an issue on coinbase 's end. 

I have sent hundreds of emails to resolve the issue. Was assigned a case #, was told they are looking into it, and then no response. I am still locked out. There are no live chats, no humans to talk to. Anyone using this site is a captive - there is no way to communicate or get any resolution.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc. (UT)

I opened an account with Self so I can improve my credit a few months ago. I made a series of payments into my account but just realized the program was not explained well and seem to be losing money instead. I closed my account and asked for a refund but the company is only refunding a portion of my deposits and keeping interest. I was also charged about {$10.00} to open the account.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CO)

I have sent the collection agency multiple letters. They refused to validate the debt. They never notified me it was added to my credit in XXXX. They refused to correspond at all in this debt. I HAVE DEBT VALIDATION WRITTEN LETTERS XX/XX/XXXX, XXXX XX/XX/XXXX AND XX/XX/XXXX. ERC removed one acct for {$67.00} but did not remove the other acct for {$270.00} for XXXX. XXXX, XXXX  and XXXX  refused to correspond to method verification that they actually reached out to the company and verified the debt. they have exceeded the 30 days under federal law to supply evident this is a valid debt
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have sent the collection agency multiple letters. They refused to validate the debt. They never notified me it was added to my credit in XXXX. They refused to correspond at all in this debt. I HAVE DEBT VALIDATION WRITTEN LETTERS XX/XX/XXXX, XXXX XX/XX/XXXX AND XX/XX/XXXX. XXXX removed one acct for {$67.00} but did not remove the other acct for {$270.00} for XXXX. transunion, XXXX  and XXXX  refused to correspond to method verification that they actually reached out to the company and verified the debt. they have exceeded the 30 days under federal law to supply evident this is a valid debt
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Amsher Collection Services, Inc. (TX)

I paid off the account and changed providers. I went into stores and attempted to return a device because I could only communicate with chat bots. Store fronts are franchisees and would not intervene. When I call they claim to be a law firm. In their collection efforts they robo dialed multiple times a day. The collection account was closed on the other bureaus.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (MN)

First Advantage performed a background check on me on XX/XX/2021 for employment screening purposes. A Felony & Misdemeanor Record Search produced a Petty Misdemeanor result for me, however, I've never been charged with any type of crime let alone this specific crime. I believe this petty misdemeanor was someone else with my exact name and date of birth. 

This misinformation has not held me back from employment, but I would prefer this not be tied to my name any longer. I have a common name so a more thorough search should be performed.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Lifting a credit freeze with Equifax We placed credit freezes with XXXX, XXXX and Equifax years back. We now need to lift those credit freezes to apply for a mortgage. Lifting of freezes must happen withing 1h if requested online or by phone, and within 3 business days after receiving a request by mail. XXXX and XXXX lifted the freezes within hours. Equifax has still not lifted the freeze after 21 days of us trying to lift the freeze ( online, by phone, via fax and via mail ). 

The details are : XX/XX/XXXX : worked through myequifax.com to lift the freeze, errors out at the end requesting a phone call XX/XX/XXXX : Called Equifax, Agent claims they have no credit report / info on me and I should contact my bank to transfer information. While on the phone, I requested 1 out of my 6 free credit reports only at myequifax.com which lists all the info meaning their claim that they don't have anything on file for me is wrong. Agent informed me that I'll have to fax a copy of my driver 's license ( DL ) and social security card ( SSN ). Sent fax to specified fax number. 

XX/XX/XXXX : Sent letter # 1 via regular mail with copy of DL and SSN ( since no answer to fax ) XX/XX/XXXX : Received letter from equifax claiming they are unable to locate my record stating they need my DL and SSN ( which I already sent per fax ) and all former addresses XX/XX/XXXX : letter # 1 delivered per XXXX tracking, equifax had to sign for it XX/XX/XXXX : phone call, equifax asked me to take a picture of DL front and back live using a weblink and a selfie. Agent confirmed live that DL looks good and Agent can confirm by selfie and DL my identity. They confirmed my identity but still can't lift the freeze ( unknown reason ) and asked to send DL and SSN which I had already faxed and sent by mail. I asked Agent what to do next since I know the PIN for freeze ( they claim they don't use the PIN anymore, so useless ), I've confirmed my identiy via live scan of DL and selfie, I can access all my data including the credit report online, I've faxed and mailed copies of DL and SSN already. No clear answer, neither from Manager who I escalated it to, on what to do next, apart from them claming they have received no info and I need to send copies of DL and SSN. 

XX/XX/XXXX : sent letter # 2 and letter # 3 including all former addresses to XXXX XXXX XXXX XXXX because instructions on XX/XX/XXXX including two different XXXX XXXX XXXX. 

XX/XX/XXXX : today ( still frozen per myequifax.com )
Consumer complaint received 2022-01-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accurate information being reported across all XXXX  bureaus. charge offs Ive been reported by law 15 USC 16 EB charge-offs any inaccurate information must be taken off. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (PA)

Background : XXXX - I signed to refinance my mortgage with XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) XXXX - LoanCare , LLC transferred my loan ( loan # XXXX ) to XXXX XXXX  XXXX ( transferred loan # XXXX ) XXXX - Outgoing wire sent to LoanCare , LLC to payoff my loan ( # XXXX ) from XXXX XXXX XXXX XXXX ( Transactee : LoanCare ; Amount : {$350000.00}, pay off calculated till XXXX, Confirmation # : XXXX, Receiving Bank : XXXX XXXX - Payoff Loan no XXXX ) XXXX - When I called, LoanCare , LLC agent confirmed to me that they received the payoff wire on XXXX and sent the wire to XXXX XXXX  XXXX to pay off my loan The issue started from here, in multiple instances ( email and phone ) with LoanCare , LLC agents were never able to provide me any valid evidence that, when they actually sent the money to XXXX XXXX  XXXX to pay off my loan. 

Sometimes they mentioned, money was sent to XXXX XXXX  XXXX by wire, sometimes they mentioned, a bulk check was sent to XXXX along with other payoffs. 

Its been more than 3 weeks now, I've sent more than 10 emails and called more than 20 times to both the organizations, but LoanCare , LLC never gave me a clear answer to what they did, and XXXX XXXX XXXX never responded anything apart from the flat response saying they have not received the money, even though I requested them several time to trace it back from their end. I never get a significant response from either of the organizations that they are actively resolving this issue, apart from some automated boilerplate emails. I am frustrated with both the LoanCare , LLC and XXXX XXXX  XXXX. I am not going to make any further payment on this loan, as it's formally paid off on XXXX with evidence. I am submitting a formal complaint against both the organizations to Consumer Financial Protection Bureau ( CFPB ) to take further action. I am happy to provide any further evidence from my end when needed.
Consumer complaint received 2021-02-17
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: EQUIFAX, INC. (NY)

I attempted to get equifax to remove incorrect debt on my report in 2020 and never heard anything back. Shortly after, my account was locked for security purposes by equifax and they now will not release any information without obtaining copies of my drivers license or social security card. Even after I confirmed my identity with them through confirmation questions, texts to verify my phone number and my email address. They then put me through to a supervisor who was on a supervisor call but I was told it was going to be 1, 2 or 5 minutes. Ive now been on hold for over 15 while I write this complaint.
Consumer complaint received 2019-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

Around XX/XX/XXXX, I was issued a secured credit card with Citibank with a deposit given of {$2500.00}. 

On XX/XX/XXXX, Citibank closed my account without any warning whatever. They refused to give me any information why they closed the account. 

After the closing of the account, I made 5 requests that Citibank refund my {$2500.00} security deposit. They told me that it would take time to process the request. I was further told to call back.

Finally, on the 5th phone call, Citibank told me that they issued the check and mailed the refund on XX/XX/XXXX. I waited until XX/XX/XXXX and still no check. I then called to follow up and Citibank, who changed their story and said the check was mailed on XX/XX/XXXX in contradiction to their prior statement. 

I asked to see a copy of the check showing the date and/or a mailing confirmation and Citibank refused. They said they could not send any confirmation of either the check or the date they allegedly mailed the check. 

I spoke with Employee ID XXXX. To date, I have no refund check.
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (NY)

I contact the credit bureaus to do a review of credit report they did, but i did research and found improper even after they did review, the account numbers, in accordance with the fair credit reporting act XXXX  account # XXXX XXXX, XXXX, XXXX are found to be improper, and violate my rights 15.u.s61681 section 602A section 2 : it also states that a consumer reporting agency can not furnish a acct without my written instructions.
Consumer complaint received 2017-07-21
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: Experian Information Solutions Inc. (MD)

Several months ago, I suppressed my information with XXXX from sharing my information with any credit reporting agency or anyone. I had my information suppressed through both XXXX and their sub-company XXXX. In XX/XX/XXXX, I spoke with a representative that verified that my information and the law prohibits them from sharing any information up to and including public records. I have also disputed negative information being reported on my credit report with XXXX, Experian, XXXX and XXXX and neither company will correct the information. The most recent response I receive via email from XXXX on XX/XX/XXXX was the information they are reporting is accurate and that it was verified through XXXX. Now I wonder how that could be possible when per XXXX all my information with them is suppressed and frozen and they are forbidden by law to report any information pertaining to any aspect of my person, however XXXX, Experian, and XXXX on every occasion of dispute has verified that their information they receive is accurate and it was provided to them by XXXX. I information should have always been suppressed/frozen with XXXX from several years ago, when I became a victim of from around XX/XX/XXXX, however per a representative from XXXX unfortunately the suppression was compromise and it was being reported. Suppression numbers for XXXX XXXX & XXXX, XX/XX/XXXX & XX/XX/XXXX. XXXX per XXXX, Experian and XXXX is in violation of privacy law, practices, information, policies and procedures. These above-named companies have caused me great stress duress and financial losses due to their blatant disrespect for the law.
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (GA)

There are several Fraudulent Inquiries that are being furnished to my credit report from XXXX and equifax, As well as some of my personal information is incorrect I will attached an FTC report to this complaint.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2023, a payment for XXXX XXXX in the amount of {$96.00} was posted to TD Bank checking account. On XX/XX/2023, I deposited {$260.00} in TD Bank checking account. However on XX/XX/2023 the same transaction was posted again to my checking account which now have my checking account in negative balance.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Subject : Complaint Regarding Violation of Credit Reporting Rights Dear Sir/Madam, I am writing to file a formal complaint regarding a violation of my credit reporting rights, which has resulted in inaccurate and misleading information being displayed on my consumer report. This issue pertains to the reporting of transactions on my credit report, specifically regarding the display of balances and payments. I believe this practice is in direct violation of relevant statutes, including 15 U.S.C codes and 16 CFR regulations.

Firstly, according to the Fair Credit Reporting Act, specifically section 623 ( a ) ( 2 ) outlines the requirements for furnishing information to consumer reporting agencies; furthermore mandating that before reporting negative information about a consumer to a consumer reporting agency, the furnisher, as defined in 12 CFR 222.4, must provide written notice to the consumer. The " furnisher '' has not provided such information prior to reporting and is in violation of Privacy Act of 1974.

Secondly, according to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ), creditors have a legal obligation to provide accurate information to consumer reporting agencies. Furthermore, 15 U.S.C 1681b ( f ) specifies the permissible purposes for obtaining consumer reports, and any information provided must be accurate and verifiable.

Displaying the balance and payments on a consumer report constitutes reporting transactions, which falls under the purview of the Fair Credit Reporting Act ( FCRA ). As such, it must adhere to the guidelines outlined in relevant statutes and regulations. 16 CFR 660.4 states that when reporting an account to a consumer reporting agency, it must be reported accurately and reflect the consumer 's payment behavior. Specifically, it should be reported as " Paid as agreed ''.

Failure to report transactions accurately not only misrepresents my financial behavior but also violates my rights under the Privacy Act of 1974, which safeguards the confidentiality and accuracy of personal information held by federal agencies. By failing to report the status of my accounts as " Paid as agreed, '' the creditor is providing inaccurate information, which can have detrimental effects on my creditworthiness and financial standing and has. 

Therefore, I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies on my consumer report, by enforcing these statues put in place to protect us, and update my reports with XXXX, TransUnion and XXXX to " Paid As Agreed ''. I also urge the bureau to ensure that creditors adhere to the provisions outlined in the FCRA and other relevant statutes to prevent similar violations in the future. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Oklahoma Student Loan Authority (OK)

I never knew that this school was private. I also am now banned from the student portal to access anything. I was told to have it repaid before I graduate which is another year... ..and now I'm on a financial hold. I need to report this as well as the loan I took out for my son whom withdrew and went to the military. It's restraining me from progressing with my schooling and other obligations. What can be done
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX {$65.00} XXXX XXXX XXXX XXXXXXXX {$10000.00} XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX