davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

Good afternoon, From my coinbase wallet on XX/XX/XXXX {$20000.00} was taken I was told in order to receive my money back I need to pay another {$9000.00}. I was participating as I was told in mining Ethereum coin I was promised to 2 % of income on my deposit on the website XXXX Not at any given moment I gave permission for my money to be taken out of coinbase wallet. 
I tried to talk to customer service but they told me that my money are frozen and need to deposit more money in order to receive my money back. 
As for coinbase they have responded that the money are not insured by them.
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

for chcecking account ends in XXXX found out they report me to XX/XX/XXXX say i owe money and they wont remove they close my account 2 years ago and held my money and send me money after closure how they say now i owe them money these are lies there are comminiting fruad and slander need help now please investagete bank they do like wells scandal they need to be under supervision
Consumer complaint received 2018-04-25
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: Experian Information Solutions Inc. (NC)

I disputed two accounts under the name XXXX XXXX XXXX with them directly on XX/XX/2018. I requested validation from this company to include the signed application, signed lease, break down of all charges, payments and communication logs. I finally received a letter back from XXXX XXXX XXXX that only included a typed bill for over {$7000.00}. These accounts/collections are false and erroneous reporting. I've never resided at this address and am actually XXXX XXXX military. I've already sent a letter to experian with a copy of what I was sent and have heard nothing back. But it's still reporting negatively on my account. I do not think me asking for a lease to an apartment I'm being accused of oweing is absurd to ask for. I'm now asking CFPB, FTC and the XXXX to step in. 

I'm attaching a copy of the paperwork from the credit collection company to support my claims. 

I'm demanding this be deleted ASAP.
Consumer complaint received 2019-03-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (WI)

Hello, Thank you for your service. I don't know how to prove that I've paid this loan. 

I took out a {$1500.00} installment loan from Cash Central onXX/XX/2016 and paid it off on XX/XX/2016. They didn't contact me to state otherwise so I thought it was okay. 

However, I now find out that its on my credit report causing my score to drop. I can't pay what they are expecting as it's {$5600.00} with an annual interest rate of 239.29 % as I only make $ XXXX/year as a XXXX. When I call to ask about why they never contact me or how to resolve it, they tell me to pay it or they will prosecute me. I don't know what to do and the account # XXXX XXXX with the company name listed as Cash Central of Wisconsin , LLC XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX Phone : XXXX XXXX Any assistance or advice is greatly appreciated. I was in some financial trouble when I took out these loans and have paid {$5000.00} already in interest to Cash Central. 

Thank you, XXXX XXXX
Consumer complaint received 2019-11-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Lending Club Corp (MD)

Despite calling and opting out to XXXX XXXX XXXX XXXX twice in the last six months, I still continue to get prescreened credit offers in the mail from the Lending Club and XXXX XXXX Two to three a week. I have called both and the offers continue. 

Please help me to get these stopped.
Consumer complaint received 2019-08-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (FL)

I am a XXXX XXXX VA XXXX XXXX veteran. I am cosigned/paying for two separate student loans for my Son whom is attending XXXX  XXXX University in XXXX. I am unable to negotiate a lower interest rate. Nor am I able to make these loans not count so harshly against my credit score. I have done all that I can in dealing with Sallie Mae. I don't know what I don't know and I am really just trying to get the best advice and interest rate possible. Please advise The two loans combined exceed {$47000.00}
Consumer complaint received 2022-07-21
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. (TN)

The credit bureaus have been sent multiple requests for a proper investigation of this account listing. Each time, the credit bureaus took more than thirty days to complete the investigation... only to continue reporting erroneous information. The last letter was sent XX/XX/2022. A proper investigation has not been conducted due to multiple errors. The opened date is inaccurate, the credit amount is inaccurate, the date last reported is inaccurate, the date of last activity is inaccurate, as well as, the date of last payment. 

Inaccuracy # 1 - " Date Opened '' Inaccuracy # 2 - " High Credit '' Amount Inaccuracy # 3 - " Last Reported '' Inaccuracy # 4 - " Date Last Active '' Inaccuracy # 5 - " Date of Last Payment '' Inaccuracy # 6 - " Two-Year Payment History '' reflected conflicting information. 

Along with the fact that this account has been reporting a charge-off account for many years. Seeking further action is illegal, as XXXX XXXX XXXX has written this debt off. 26 CFR Subsection1.166-3 ( a ) ( 3 ) ( i ) Deemed charge-off. If a significant modification of a debt instrument ( within the meaning of 1.1001-3 ) during a taxable year results in the recognition of gain by a taxpayer under 1.1001-1 ( a ), and if the requirements of paragraph ( a ) ( 3 ) ( ii ) of this section are met, there is a deemed charge-off of the debt during that taxable year in the amount specified in paragraph ( a ) ( 3 ) ( iii ).

( a ) ( 3 ) ( iii ) of this section. The amount of the deemed charge-off, if any, is the amount by which the tax basis of the debt exceeds the greater of the fair market value of the debt or the amount of the debt recorded on the taxpayer 's books and records reduced as appropriate for a specific allowance for loan losses. The amount of the deemed charge-off, however, may not exceed the amount of recognized gain described in paragraph ( a ) ( XXXX ) ( i ) of this section. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 section 602 A - states I have the right to privacy.

15 USC 1681 section 604 A section 2 - states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Consumer complaint received 2021-10-20
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: U.S. BANCORP (NV)

I went to the u.s bank on XX/XX/2021 and deposited my check into the atm and it rejected my check and didnt give me my check back but gave me a receipt so I waited at the atm for awhile too see if my check would come out but it didnt! So I called the number on the receipt which was XXXX around XXXX. The guy I spoke with told me to go to my bank and they would be able to print my check but they told me the would not be able too and that they tried calling that number and nobody answered so I called that number as soon as we left and they picked up within a minute and told me that we could file a dispute but I did not want to do that because I needed the money rn and the guy I spoke to that night told me they would be able to print me a new one the next day and so far I havent gotten anything and I need my money back!
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MD)

I disputed a a charge on my Citibank MasterCard with Citibank. I was advised by Citibank that the merchant had agreed to tissue credit on my account. They had originally put a temporary credit on my account but then removed it. I contacted them at least 20 or more times via phone, online chat, and written correspondence. I was assured repeatedly that the account would be credited and that any interest accrued would be removed. Citibank never called me back as they stated they would. They never posted the credit and then when I called them again they said they had no record of merchant issuing credit. They contradicted themselves repeatedly. I have numerous print outs that show where they said the account would be credited. This charge needs to be credited. They never followed up with me and assured me all along that the merchant issued credit.
Consumer complaint received 2020-12-15
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: AES/PHEAA (AL)

I have sent 2 letters challenging the accuracy of this account one on XX/XX/XXXX and the other on XX/XX/XXXX, and yet still no response. I also see in the comments section where there has been no actual investigation conducted this is a violation of my rights. This account has 3 different dates last payment XXXX  has XX/XX/XXXX, XXXX  reports XX/XX/XXXX and XXXX  XX/XX/XXXX. How can the creditor have verified the different sets of information? 

You have violated my rights under FCRA with a failure to place this items in dispute and to conduct a proper investigation. This information is both incomplete and inaccurate with three entirely different pieces of payment history reporting. I demand it be deleted immediately.
Consumer complaint received 2022-06-14
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. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4.Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
5.Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
6Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
7.Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
8.Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
10. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
11. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
12. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
13. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
14. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-10-19
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. (TX)

On XX/XX/XXXX I sent a XXXX document to Experian, XXXX and XXXX but have heard back after following up with all three bureaus via email and phone
Consumer complaint received 2022-10-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (IN)

I received a garnishment on my checking account from United Collection Bureau XXXX. The amount is for {$6400.00}. I have been trying to call them for several days and have spent hours listening to music. I don't know what the garnishment is about. i just know there is a hold on my checking account for this amount. I need help.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (DE)

I have Vanilla gift cards that were missing but have recently been found. They all have the purchased value but the expiration date is past. I cant seem to be able to have replacement cards issued. Its a complete run around when calling Vanilla Visa customer care.
Consumer complaint received 2020-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

On XX/XX/XXXX, I called Navient seeking to apply for a XXXX XXXX XXXX XXXX as I had loans dating back to XXXX and currently working for a Governmental Agency. Navient directed me to Consolidate my loans which I did. Once I my loans was consolidated I was told by Navient I no longer qualify for XXXX and that I would have to start all over and make payments for 10 years before I qualify for XXXX.
Consumer complaint received 2019-03-24
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: Experian Information Solutions Inc. (FL)

On XX/XX/2019 I have sent first letter under " Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the post on a credit report physical verification of the original signed consumer contract -any and all accounts you. '' as it shows on my credit report XXXX XXXX XXXX  has NOT complied with FRCA, credit bureaus suggest and closed out investigation, XXXX XXXX NEVER sent any ORIGINAL verification, signed contract nor has any paper work been receive under ( Chapter 537.012, Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATION ) IF this account is verified and IF car has been sold or auction wouldn't the balance be less called " deficiency '' or " deficiency balance. '' Hence balance being reported is inaccurate across all three bureaus. Ever since dispute has been open XXXX has added multiple remarks onto my account and has affected my credit score significantly. 

XXXX XXXX XXXX XXXX has NOT been verified and credit bureau keeps putting the information has been updated and complies with FRCA when nothing has been verified. 

XXXX instead of being removed like it shows on my experian report and they have removed it due to NOT being table to verify account account was closed both accounts. XXXX accounts needs to be removed like it has been done on my report for Experian I have once again sent letter # 2 to all credit bureaus requesting the same information once more.
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (PA)

Hi I placed an order online doing shopping I dont shop in person because I am disable, online is much easier for me I placed an order online with a website called XXXX I paid overnight shipping ( XXXX business ) days. I never received my merchandise, So I contacted American Express serve customer service spoke with XXXX explained what had occurred with not reiving what I had paid for that I have contacted the company ( yandy ) no response I was told due to company policy I have to wait 7 days even though I had paid for over night shipping .Once the 7 days expired I called back and my issue was still not resolved I submitted the proper documentations and receipts called back today to check on everything I havent really got an answer very upset they havent provided me with a provisional credit or anything I feel like my money was taking from me in company terms and policy states I am protected but from the looks of the situation I am not very heartbreaking.
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Upgrade, Inc. (IN)

I have contacted upgrade customer service numerous times now regarding not being able to add my debit card to XXXX pay. They have already replaced the debit card and issued it a new number after that didn't work I was also told incorrect information including XXXX pay is not available which is incorrect after escalating to a supervisor I was supposed to receive a call back and the problem was supposed to be corrected and it never was. I need to be able to use XXXX pay with my account and have been blown off now several times because I am unable to add it to XXXX pay I am getting an error saying it's an invalid card when it is not.
Consumer complaint received 2019-03-24
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: EQUIFAX, INC. (FL)

On XX/XX/2019 I have sent first letter under " Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the post on a credit report physical verification of the original signed consumer contract -any and all accounts you. '' as it shows on my credit report XXXX XXXX XXXX has NOT complied with FRCA, credit bureaus suggest and closed out investigation, XXXX XXXX NEVER sent any ORIGINAL verification, signed contract nor has any paper work been receive under ( Chapter 537.012, Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATION ) IF this account is verified and IF car has been sold or auction wouldn't the balance be less called " deficiency '' or " deficiency balance. '' Hence balance being reported is inaccurate across all three bureaus. Ever since dispute has been open XXXX has added multiple remarks onto my account and has affected my credit score significantly. 

XXXX XXXX XXXX XXXX has NOT been verified and credit bureau keeps putting the information has been updated and complies with FRCA when nothing has been verified. 

XXXX instead of being removed like it shows on my XXXX  report and they have removed it due to NOT being table to verify account account was closed both accounts. XXXX accounts needs to be removed like it has been done on my report for XXXX I have once again sent letter # 2 to all credit bureaus requesting the same information once more.
Consumer complaint received 2019-03-24
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. (FL)

On XX/XX/2019 I have sent first letter under " Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the post on a credit report physical verification of the original signed consumer contract -any and all accounts you. '' as it shows on my credit report XXXX XXXX XXXX has NOT complied with FRCA, credit bureaus suggest and closed out investigation, XXXX XXXX NEVER sent any ORIGINAL verification, signed contract nor has any paper work been receive under ( Chapter 537.012, Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATION ) IF this account is verified and IF car has been sold or auction wouldn't the balance be less called " deficiency '' or " deficiency balance. '' Hence balance being reported is inaccurate across all three bureaus. Ever since dispute has been open XXXX has added multiple remarks onto my account and has affected my credit score significantly. 

XXXX XXXX XXXX XXXX has NOT been verified and credit bureau keeps putting the information has been updated and complies with FRCA when nothing has been verified. 

XXXX  instead of being removed like it shows on my XXXX report and they have removed it due to NOT being table to verify account account was closed both accounts. XXXX accounts needs to be removed like it has been done on my report for XXXX I have once again sent letter # 2 to all credit bureaus requesting the same information once more.