davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NC)

On Saturday XX/XX/XXXX my Coinbase account was hacked, I received a strange phone call and ignored it 3 times before answering and when I answered they wanted me to confirm or deny a transaction on Coinbase and then sign in, I received the 2-factor authentication code and was immediately locked out. While locked out of my account my Coinbase portfolio was drained of all my XXXX and {$1400.00} more of XXXX was attempted to be purchased through my bank account. While being locked out I was in constant communication with someone at Coinbase support trying to restore access to my account. It took until last night XX/XX/XXXX, to get full access to my account. Upon gaining access it shows that the transactions for {$1400.00} were denied, because I issued stop payment thru my bank, but Coinbase says i owe them money and need to make a payment! I have lost {$600.00} and had to pay {$76.00} to my bank to stop payment on the {$1400.00} and I simply want my money back so I can close the account and walk away from that company!
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (LA)

On XX/XX/XXXX I called MOHELA and requested a refund of loan payments I made during the COVID pause. XXXX days later on XX/XX/XXXX I called to confirm the timeline and was told I would receive the refund in 30 business days or less. On XX/XX/XXXX I called again to follow up, waited over two hours to speak to someone, and was told that the timeline was now 60-90 days. The representative and their supervisor both said they could see the call record showing I had been quoted 30 days but there was nothing they could do to honor that timeline. I waited more than two more hours trying speak to another supervisor but eventually the MOHELA system hung up on me. 

My loans were paid off in full during the pause - and just prior to the PSLF limited waiver announcement. I am eligible for PSLF under the waiver, and should be able to receive a refund of approximately $ XXXX paid between XXXX and XXXX following my first XXXX qualifying payments. But my COVID pause payments must be refunded first in order to return my account to active status. PSLF forms under the waiver have to be submitted by XX/XX/XXXX. The MOHELA rep who quoted me 30 days for refunding my pandemic pause payments reassured me that I had " plenty of time '' to submit PSLF forms, since it was then late XXXX. Now, more than a month later, if MOHELA does not issue my pandemic pause refund very soon I will have to submit my PSLF forms first, which I am worried will result in a denial of the PSLF refund of overpayments to which I am entitled.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the fi le of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of XXXX. 15 U.S. Code 1681b - Permissible purposes of consumer reports- In accordance with the written instructions of the consumer to whom it relates, I never gave bureaus written consent to report the following accounts and inquiries.
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (NJ)

I receive calls from American Coradius International about 4 times a week. They never leave a message, just hang up. Ive attempted to call them, but have been unable to speak with someone. I have no outstanding or unpaid debts.
Consumer complaint received 2017-06-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (KY)

I have an account with PNC. For the past year a ACH has been taking money out of my account listed below. for a total {$1400.00} PNC has told me they have no way of tracking who is taking this money. They have given me the phone # of XXXX XXXX listed below is the response I received via email form them. PNC the last time I spoke to them said the charges originates from XXXX XXXX and gave me the same contact the XXXX XXXX who said they do not take money from anyone account.
I only discovered that they were removing money from my account in early may and filed two Disputes for the last 60 days as my local branch manger suggested. PNC later sent me a letter rejecting the dispute and saying I only have 24 hours to file a dispute. Dispute the Branch Manger ( XXXX XXXX ) say that they blocked future withdraws from this account. I had to file another dispute on XX/XX/XXXX for  {$170.00}.
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This all started after I switch cc providers from XXXX XXXX XXXX XXXX, whom I have contacted and they said my account has been closed since last year and they have not taken any money since. Who ever is taking this money has never sent me a statement re these charges or have I authorized whoever to take money from me.
<P/><P/>
We are not authorized to remove money from anyones account. Please speak to your bank and they will be able to tell you which company is removing the money.
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Regards, XXXX, Administrator XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX, ext.XXXX XXXX : ( XXXX ) XXXX Direct ( XXXX ) XXXX  Sprout of success May your business blossom!
<P/>
XX/XX/XXXX CORPORATE ACH XXXX BANKCARD DEPOSIT CCDISCOUNT {$100.00} XX/XX/XXXX {$99.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$99.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX  XX/XX/XXXX {$99.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$99.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$180.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX  {$88.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$100.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$81.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$79.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$0.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$140.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$150.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$87.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$0.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$68.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX XX/XX/XXXX {$0.00} Corporate ACH CR CD Dep Bankcard Deposit XXXX XX/XX/XXXX {$76.00} Corporate ACH Ccdiscount Bankcard Deposit XXXX
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

I am and have been in forebearance. I submitted a request to extend my forebearance to PHH Mortgage. They sent me an application for assistance so I filled it out and emailed it to them, along with scanned financial documents of my income. I emailed all of this to them on XX/XX/2021 but they never responded. So I resent the application for assistance and my scanned financial documents as proof of my income again on XX/XX/2021. I never heard back from them again. 

I received a generic form letter from XXXX XXXX on XX/XX/2021, but it was dated XX/XX/2021. It said that because they never received my information on my application for assistance and the due date is passed, they were going to discontinue processing my incomplete application. When I went online to XXXX XXXX or PHH there was no way to pull up this application for assistance. They made it impossible to submit the application on line so I had to fill it out and scan everything.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was a victim of identity theft i filed all the necessary documents to have fraudulent accounts removed from my report and they were removed. 2 days later 1 of these accounts reappeared on my report incorrectly as 15 USC 1681 c-2 clearly states, ( a ) Block a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.. 
so its not enough for the reporting agency to only delete this information but congress states they should also provide a block of the reporting of these fraudulent accounts. The account that reappeared is XXXX XXXX  account # XXXX i demand that this company block and delete this account in accordance with the law. Ive reattached the ftc report as well as the police report and verification of my identity.
Consumer complaint received 2019-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (AZ)

We have a credit card that we don't normally use so we don't normally check it once my wife checked in with noticed a charge from a company in XXXX XXXX XXXX XXXX  XXXX SHE FOR {$110.00} contacted card member services they returned the credit but then reversed the credit saying that it had been too long after the charge occurred for reporting it gave us a case agent XXXX XXXX we tried to contact XXXX XXXX his voicemail was always full he would never return a message and then he denied our claim simply saying it has been too long since the original charge we had our lawyer write a letter and explain the circumstances to XXXX XXXX and asking him what the parameters were and the rules and he would not give any explanation other than it had been too long to file a claim so we took the advice of our lawyer and contacted this service The credit card is issued by US Bank Representative XXXX XXXX U.s. Bank cardmember services XXXX XXXX XXXX Case number # XXXX The charges occurred on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX  Provisional credit was issued XXXX XXXX XXXX XXXX XXXX has to have someone above him
Consumer complaint received 2020-02-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I filed a complaint regarding Bank of America 's handling of a rental mortgage they bought. BoA 's 'response ' was to send 'late payment ' notices when no payments are late and insist that I call their 'regulatory compliance ' group at XXXX. If you call this number, you will find that they make the required 'debt collectors ' announcement. Further, if you try extension XXXX, you will always get voice mail, although BoA requires calling them by a date certain, after which doubtless, they will tell you I'm unresponsive. 

Is there any way to force them to sell the mortgages to a competent servicer?
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Back on XX/XX/XXXX I went to a merchant in XXXX name XXXX  XXXX looking to get my Mobil phone fix they charge me {$220.00}, {$220.00}, {$120.00} to fix my Mobil However it was not fix it was damage more since I could not put in my sim card I when to the merchant and notify them of the issue they acknowledge the issue and I fill out a complain form which was sign and stamp by the merchant. They said they could not give me the credit for the service due to the fact that my credit card was from aboard USA so I dispute it with my back they gave me the credit then the said they send me a letter for more supporting document which I did not receive so they when ahead and give the merchant back they money for the bad service they gave me I call the bank to inquire why and they told me the case could be reopen and I should send supporting document which I did send back in XX/XX/XXXX they gave me the credit back in XX/XX/XXXX and then they took it back on XXXX XXXX I call they and ask the reason and they said because the time frame is up so I should go fight with the merchant
Consumer complaint received 2021-07-22
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. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-08-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (MI)

I was issued a Payday loan on a NetSpend card ( this was my 3rd card with them ).  I'd previously enrolled in the " monthly fee '' plan with my temporary card ( $  XXXX/month ), when i was issued my permanent card ( with my name on card, automatically sends by mail ), it got switched to the " per transaction fee '' plan ( from {$1.00} to {$2.00} each transaction including debit or running as credit ). I called the customer service number, after arguing with the man, he reluctantly have me only HALF of the fees they'd taken from me and stated he'd put me on the " monthly fee '' plan again, starting the NEXT day. Which of course, I was charged for AGAIN after already paying {$32.00} in transaction fees ( and only received {$13.00} credit ), I still got charged more! I only had {$6.00} and some change in there, so they pretty much cleaned me out, I called again complained and said I wasn't paying another fee per transaction and the girl told me they can't issue me a refund due to them already issuing me credit the day prior ( mind you for only half ), so at this point I'd paid almost {$20.00} in fees already, I asked for a supervisor .... She placed me on hold after arguing more with me only to eventually hang up on me. I called back stated what happened AGAIN to another man and he continued to put me on hold for over 40 mins which at the point I did hang up. Then to top it off they put me back on the " monthly fee '' plan after that conversation apparently and took ANOTHER {$5.00}. In the files attached you'll see they charged me the " monthly fee '' at some XXXX that morning and shortly after charged me the " transaction fee ''. I asked the girl how this is allowed and she tried telling me it was the " transaction fee '' first, in the file i attached you can clearly see that's not the case. So they charged me in order, a monthly fee when i opened the temp card, when i received the permanent card they switched to transaction fees, then i called and complained getting me to be charged a monthly fee ( once again ), changed to a transaction fee somehow after my 2nd complaint by phone, then ANOTHER monthly fee during my 3rd complaint by phone ... All within a 30 day period. Within the last 2 days alone they took {$5.00} twice, plus almost {$20.00} in transaction fees, one of which was charged the monthly fee then charger a transaction fee the SAME DAY. This is HIGHLY unethical and deceitful. It violates so many laws that were just filled against them in the lawsuit. How is this STILL GOING ON?! Just plain cowardly and irresponsible that the supervisor or anyone from an authorized position would even come to the phone to speak with me. Not an acceptable impression from a well known company ... But then again, they're not well known for how great they are .... They're cheats and thieves who think they're above the law.
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/XXXX, I took advantage of a promotional rate offer by my Bank of America credit card, that included a 3 % transaction fee I went to there website and set up auto pay to make payments to mentioned credit card on the due date. XX/XX/XXXX was the due date for that month which fell on a Saturday, the payment was not debited form my bank account. I called on Monday XX/XX/XXXX and was told by there customer service representative " the payment will post on Tuesday '' it did not and I was charged a late fee. I called customer service again and spent 45 minutes on the call and was informed that the auto payment did not process and since I did not pay on time the promotional interest was cancelled and the balance on the credit card would be charged a default rate which is considerably higher than the promo rate.I now have to transfer the balance of the credit card to a higher interest rate credit card. I attempted in good faith to meet my requirement set fourth by Bank of America and and was mistreated due to an error on there part
Consumer complaint received 2018-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

This account was deleted by XXXX  as and unverified account on XX/XX/2018 after contacting your company. 
I disputed this account with XXXX and XXXX three times as this account still remains! Both companys are saying that your company keeps saying its verified. How is this possible? XXXX mailed me a copy of my report showing this account was deleted as unverified do to your companys investigation. How is it being verified with the other two Bureaus is absolutely absurd to me!
Consumer complaint received 2024-04-23
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. (AZ)

I have raised a Dispute with XXXX, Equifax, XXXX for a closed XXXX XXXX credit card account XXXX with XXXX XXXX . The Creditor ( XXXX took over XXXX XXXX XXXX relationship with XXXX XXXX XXXX cards ) has no record of a credit card account for SSN ending in XXXX. Address of the Creditor has multiple versions with each of the credit score providers ( find below ). I am not liable for credit card account XXXX with XXXX XXXX and am requesting assistance to remove the account from each of the credit score providers : XXXX, Equifax, XXXX. 

XXXX - Online Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX Equifax - Online Account : XXXX XXXX XXXX XXXX XXXX XXXX Equifax - Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE DISPUTED ACCOUNTS DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. I AM NOT LIABLE TO THOSE ACCOUNTS AND I WOULD LIKE FOR THEM TO BE PURGED COMPLETELY OFF MY CREDIT REPORT. THOSE ACCOUNTS ARE INACCURATELY REPORTING ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION INTO THIS MATTER
Consumer complaint received 2020-02-18
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. (AR)

I pulled my credit for myself for the first time in 4 years. I was shocked with the various accounts that used to be open using my name and social security number. These accounts do not belong to me. Please remove these fraudulent accounts from my credit report. 

XXXX  XXXX XXXX XXXX {$15000.00} XXXX XXXX   XXXX {$20000.00} XXXX XXXX XXXX XXXX {$15000.00}
Consumer complaint received 2020-02-18
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)

Someone is using my information to lease things under my name. I have never heard of any of these people but I am trying to get this matter taken care of as soon as possible. There is an account from XXXX XXXX, XXXX XXXXt and XXXX XXXX XXXX. They appear to be collection agencies and now my credit is ruined because of this.
Consumer complaint received 2019-08-05
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)

The following accounts were never a past due, I never made a late payment on the accounts ever, change this, reverse the late payments I have a good relationship with these creditors. Not to mention they will not give me an explanation as to why they wont fix this erroneous inaccurate claim that has affected my credit score. CFPB please step up and fix this ASAP XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (VA)

They have been calling my phone number repeatedly over the past several days. Today is the XXXX of XXXX, and on the XXXX of XXXX XXXX, I called them to ask them to stop contacting me, as I was not sent a proper written notice. However, they have called me twice from the number since, and now an additional three times from a second number, and it is likely from other numbers, as I have stopped answering all numbers I do not recognize. Some of these were multiple times a day.