davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Sent 2 XXXX transactions from my XXXX exchange to XXXX Account. First was for XXXX and the second for XXXX. Sending the first transaction I forgot to put a memo tag on it and sent it not knowing that if theres no memo tag the funds will be sent to XXXX not directly to your XXXX account. second transaction was fine as I was able to put in my tag and recieved it without errors. I contacted support and was told that theres a 4-5 days then they will get back to me but that never happened. This transaction occured XX/XX/2021. Its already XX/XX/XXXX and not a single response or email from them have I recieved. All I want is for the funds to be put on my account.This is so much stress giving me as I am facing financial issues on my own, and XXXX has made it alot worst. I do have a Case number from them as I reported this issue to them everyday asking them for an update. They refuse to contact me or reply to all of my tickets, even contacted them via social media platforms. But an automated bot only response to the issue. case # XXXX
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had someone using my name to get edd benefits threw bank of America and I didn't know they were using my name and having benefits sent to bank of America and spending them without my knowledge. 
My claim was denied due to the fact that I reported the transaction over a year from the time they were made. I had no knowledge that my name was being used to get money sent to bank of America and these people using the cards to purchase items, once I became aware I reported it to bank of America but they denied my claim because I reported it over a year after the cards were used. I had no knowledge this was happening to me. 
I sent them proof I was in the hospital at the time these transactions took place and now it's over a year of waiting for this to get resolved and for me to get reimbursed. I have spent countless hours on the phone trying to get this taken care of and still no resolution from b of a. Please look into this and see I wasn't able to make the transactions because I was in the hospital at the time the transactions were taking place. Thanks for you time sincerely XXXX XXXX
Consumer complaint received 2022-01-26
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. (CA)

On XX/XX/XXXX I submitted a dispute via XXXX to Transunion about inaccurate information being reported on my credit by a collections agency. The investigation was supposed to be completed by XX/XX/XXXX. As of XX/XX/XXXX it still reflects as in review and incomplete - hence this account should be removed from my report. 

I called Transunion on XX/XX/XXXX and I had to speak to 2 supervisors and 3 staff members in order for them to delete a new dispute that they submitted instead of handling the old dispute as I requested. According to their staff, they were not able to send me a report of the investigation as it is supposedly not in their system for them to mail or email me. The last person I spoke to after 45 minutes informed me that he deleted the new dispute submitted by his coworker, and closed the initial XXXX XXXX dispute as it's been more than 30 days ; he agreed to mail me a copy of my updated credit report reflecting the closed collections account, and the collections agency should be deleted from my report after 30 days. If this does not happen, I will be calling again in XXXX to speak to another supervisor.
Consumer complaint received 2017-06-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WA)

I use coinbase and its trading site XXXX to buy bitcoin. XXXX had website problems with their ethereum  sales on X/XX/17. They are investigating ethereum transactions. I do n't have any ethereum in XXXX. I have XXXX bitcoins and XXXX cash. XXXX has put my assets on hold without giving me a reason as to why. I have submitted several support tickets but they are refusing to release my aaaets or respond to my emails. Please help release my funds being held illegally. Thank you
Consumer complaint received 2022-04-11
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: Social Finance, Inc. (DC)

There are XXXX inquiries on my account that were not authorized by me. 


XXXX XXXX XXXX XX/XX/22 Sofi lending corp XX/XX/22 There is no phone number for this company.

Im not sure about the loan amounts because its not shown on my report. 

I have already disputed these inquiries.
Consumer complaint received 2022-01-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MI)

We have been on forbearance for 18 months under the Federal Covid-19 guidelines. We were offered a loan modification at the end XX/XX/XXXX. At that time my wife and I both were stricken with XXXX for over 1 month. We were contacted by LoanCare about the modification in XXXX which I explained that we both were stricken with XXXX. The modification was instituted by another company XXXX. We eventually were able to get the modification notarized, and sent back to XXXX via XXXX at the second week of XX/XX/XXXX. We have yet to receive any further communication from XXXX or LoanCare about the modification, and or a Statement. That said, I received a call from LoanCare on XX/XX/XXXX at XXXX pm est, and spoke to their representative who was pleasant however, she said that if I dont make a XXXX payment, they would turn it into the credit reporting agency as well as a late charge for non-payment. This is ludicrous at best, and I am prepared to sue LoanCare and XXXX for a lack of communication in this process, and providing us with a monthly statement for payment. This whole Covid-19 debacle has ruined most small businesses such as mine, and I expect the Federal and State Government to intervene in this matter, that was created by them. The person I spoke with at LoanCare on XX/XX/XXXX at XXXX Est placed me on hold for over an HOUR and believe it or not, I sat on hold that long. This is the kind of service their organization offers, and its been well displayed on all their reviews. Now this mortgage is an XXXX XXXX, and I will be contacting them as well over the XXXX challenges, and the very lack of customer service of this servicing agent LOANCARE. We are at our ends wits with whats happening with the Covid epidemic, and to have to deal with lousy service from both LOANCARE & XXXX the biggest shell game in America!
Consumer complaint received 2022-04-11
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # 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 an account without my written instructions
Consumer complaint received 2021-05-16
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. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

My Heloc was at XXXX loan services. On my statements it NEVER showed any late payments or past due. Furthermore, when my loan was sold to Specialized Loan Servicing first loan statement showed absolutley nothing past due. On the next statement, all of a sudden, I show XXXX. XXXX outstanding late fees. 

I dispute this debt and SLS did not help me anything when I called them. They told me to call the previous servicer. HAHA. SLS is the ONLY lender that placed these fees. I had no problems with previous lender.
Consumer complaint received 2021-05-16
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (WA)

On XX/XX/2021, I called Kia Motors Finance and told them about inaccuracies they had reported to credit bureaus : they falsely reported that I paid late multiple times on a vehicle lease, when I never did. Their own records show I always paid on time and they agreed this was true when I talked to them. I have called them many times and written a letter because their credit reporting department has NO phone number or email address, according to customer service- this is a big problem. The only way to contact them is postal mail and then you have to wait for a response. I tried using XXXX to ask Kia Motors Finance for contact info for the credit report department but they didn't respond to me at all. 

My credit score went down over 60 points, dropping my credit into the mid 600s when it had been in the upper 700s. This has stopped me from starting the process to get a mortgage because I'm not eligible for the rate I want. It is now XX/XX/XXXX and Kia Motors Finance still have not fixed their mistake. My credit report still shows the late payments that never happened. 

I filed a dispute with the three credit bureaus. XXXX  emailed me to say they confirmed the late payments were correct ( perhaps Kia Motors Finance never responded to their inquiry ) and closed the dispute. Today I sent XXXX  a PDF of the 100 % on time payment record that Kia Motors Finance emailed to me, and now my XXXX score went up 45 points suddenly. So it seems XXXX  has finally removed the incorrect late payments. My score is not where it was before and I still have to get the other bureaus to correct the mistake. I still have not heard from XXXX. It's disturbing how much trouble Kia Motors Finance 's mistake has cost me. I've attached the payment record.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am a victim of identity theft. On XX/XX/2020 an account by XXXX XXXX XXXX was put on my report that is not mine. I contacted Experian to take it down immediately because I filed an FTC report. For one month Experian has knowingly had a fraudulent account on my report. This violates the law and is a inhuman act that can not be tolerated.

My family I are looking to purchase a house and we may left homeless because of this account. This is immoral in my opinion. This account must be removed immediately. I have contacted the creditor Kikoff lending llc and haven't gotten any response so I am not sure how Experian got one and if they did how they validated something that isn't mine I am attaching an FTC report. Experian has violated human rights. Please remove this account you are hurting my family this is again the law according to the FCRA I do not want to take this into legal matters. I do not need another investigation on an account that it is wrong.
Consumer complaint received 2021-05-16
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. (MN)

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. Equifax XXXX on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX 3. XXXX XXXX  on XX/XX/XXXX 4. XXXX XXXX on XX/XX/XXXX 5. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2022-04-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NOVAD Management Consulting, LLC (TX)

There was an erroneous XXXX filed on my property. The mortgage company agreed it was filed in error however the lien has not been released. It is through HUD, I have emailed and called HUD multiple times and they advised me that it would be released as long as they had proof from XXXX XXXX that it was filed in error. They have that but i have not heard from them and the XXXX is still on my property as of today. I started this process on XX/XX/24 and am at risk of losing my locked in refinance rate because of the inaction of both XXXX XXXX and now HUD. I need assistance
Consumer complaint received 2021-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (AZ)

I have the Chase Freedom Unlimited credit card account. They advertise a 5 % cash back reward when you book travel through their Chase Travel site. That is exactly what I did, but I did not receive the promised 5 % reward. When I called to complain about the discrepancy the clerk referred the matter for correction, as she could not explain the discrepancy. 
The dates and amounts are as follows : XX/XX/21 {$330.00}, XX/XX/21 {$160.00}, and XX/XX/21 {$92.00}. 
Today I received a reply back from Chase stating they were crediting me ONLY a 3.5 % reward, and ONLY for the XX/XX/21 charge. 

Please help me rectify this situation.
Consumer complaint received 2017-06-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (AZ)

In XXXX of 2017 I spoke to a representative about how payments were applied. She stated that any money received would be applied to the monthly payments and nothing would be applied to the late fee balance until the end of the loan. <P/>On XXXXX.2017 I made a {$250.00} payment to cover my XX/XX/XXXX bill and some extra to cover my XX/XX/XXXX bill. The payment was misapplied. {$83.00} was applied to late fees instead of being applied to my XX/XX/XXXX payment. <P/>I contacted Ally Customer service in XX/XX/XXXX to reapply the additional funds towards my XX/XX/XXXX payment. I was advised that it would be taken care of and to wait 48 hours. I contacted customer service again a week later and I did not see it reflected on my account. I was advised that it would be taken care of. On XXXX.2017 collections contacted me advising about a past due balance. I inquired about the reapplying of the {$83.00}. It had not yet been applied correctly. He said he would process it but that I should call back on Monday to verify. Earlier this week I received another call from collections, I called back and asked to speak with a manager - after being put on hold for 10+ minutes the call was dropped/disconnected ( not from my end )
Consumer complaint received 2019-01-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I have been attempting to get lower payment options since XX/XX/2018 when I received what my payments would be increasing to. All of last year I was working on catching my loan up and making them current. I had to make a minimum payment but overpaid a little every month. I ended the year in good standings. I owed {$5.00} but I paid $ 20-40 a month. I paid as much extra as I could. I was emailed in XXXX and told my payments increased to over {$90.00} a month. I'm a single mom and can't afford that. I have reached out to them online twice, even allowed them access to my tax information. I made some kind of payment but now I'm behind and it's only XXXX. I mailed in financial hardship information and still haven't heard. I feel like they aren't responding to me so I will fall into default again and will be forced into another year of interest. I feel my student loan has more than doubled since I even got it.
Consumer complaint received 2022-04-11
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. (WI)

I dsiputed these accounts with the credit bureaus and some were deleted and reinserted without me knowing and some I have heard nothing about my dispute as if they are ignoring me. I also see an account was reinserted with a different account number. I do not know whats going on or how they can be doing this without informing me first.
Consumer complaint received 2017-06-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (WI)

Today I received a notice of a court date to attempt to garnish wages from my wife thru her employer. I received this notice even though I provided the debt collection law firm with proof as to why I am exempt under Wisconsin Law, ( maybe Federal as well ). The firm attempted to garnish my wife 's wages for a debt that I owe from about 10 years ago. They sent the paperwork to her employer. I responded to the attempt and stopped it by answering questions on a form. The reasons I gave were, ( garnishing wages would prevent us from paying our mortgage and utilities and leave us no money for food for our family of XXXX, XXXX  adults and XXXX children ). ( I am exempt from garnishment as I receive public assistance in the form of energy assistance ) I provided this law firm, first, with copies of my wife 's payroll stubs, energy disconnect notice, copy of mortgage payment statement from mortgage bank to prove how much we paid. I then provided them with a receipt of the energy assistance that I am receiving from the agency in my community. I contacted them today after receiving the notice from the courts of the hearing and asked them why they were proceeding even though I provided them with two different forms of proof. The debt collector told me that the receipt from the agency that gave me the energy assistance was not sufficient. I asked him why and what he wanted to make it sufficient. He then refused to provide me with what would be sufficient and told me to take it up with an attorney. I followed the guidelines that are required for providing this debt collection firm with proof as to why I/my wife are exempt from garnishment and they refuse to accept this proof and refuse to tell me what they would accept. They know that their actions are humiliating to my wife at her plasce of employment and they continue to attempt to collect this debt thru this method even though I am exempt under the law. They are pressing with a court date to further harass me and my wife by dragging us into court to prove something that 's been proven already. I have also attempted to set up some sort of payment plan and they have refused this offer instead pushing ahead with the garnishment attempt. I can provide proof in the form of paper copies of everything I have stated.
Consumer complaint received 2022-04-11
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. (WI)

I dsiputed these accounts with the credit bureaus and some were deleted and reinserted without me knowing and some I have heard nothing about my dispute as if they are ignoring me. I also see an account was reinserted with a different account number. I do not know whats going on or how they can be doing this without informing me first.
Consumer complaint received 2022-01-26
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: Experian Information Solutions Inc. (MD)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.