davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

The company I complain about is Coinbase. 
I made a withdrawal XXXX euros, wire transfer from my Coinbase account to my bank account on XX/XX/XXXX, they said that transfer is confirmed and money should be in my bank account within XXXX. Have done this before, usually 1-2 days and money is in my bank account, but not this time. More than 9 days now, but still no money, I have written them complains and asked for help, but no answer at all. 
Could you please help me sort this out! I am ready to give you all the information you need about this transaction!
Consumer complaint received 2018-07-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

I heard the company Navient was involved in a class action lawsuit. I originally had {$10000.00} in loans during my schooling at XXXX-XXXX from XX/XX/XXXX to XX/XX/XXXX. The amount of interest that has been charged makes it impossible for the loan to be paid off.
Consumer complaint received 2022-04-07
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: NAVY FEDERAL CREDIT UNION (FL)

On XXXX of XXXX  after reviewing my credit report I discovered that I had been a victim of Identity thief, I then filed a police report with XXXX XXXX police department, and I filed a identity thief report with the federal trade commission. I then sent the police report, and the identity thief report to the three major credit reports XXXX, XXXX, and XXXX, about 30 days later the accounts were deleted. About 30 days after that XXXX reinserted two of the account 's account no # XXXX and account no. XXXX and XXXX reinserted one account account no. XXXX. I then contacted XXXX and XXXX and informed me that I would have to contact the creditor NAVY FEDERAL CREDIT UNION to furnish me the documents that they used to verify and certify these accounts. I then contacted Navy federal credit union by U.S. postal certified registered mail. Navy Federal never responded with the documents I requested. They did respond with a document requesting a account number, and additional information. I am enclosing the documents and correspondence I sent to Navy federal about this matter.

In according with the fair credit reporting act Navy federal has violated my rights. 15 U.S.C. 1681 SECTION 602 A STATES I have the right to privacy. also 15 U.S.C. 1681 section 604 a. section 2 states a consumer reporting agency can not furnish a account without my written instruction.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I sent letters to Experian, XXXX, and XXXX  over 60 days ago and I still haven't received any response from any of them. I feel like I am being taken advantage of and ignored on my disputes. I'm heavily stressed and I hope the CFPB can help me resolve this issue AS SOON AS POSSIBLE.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX  Date Updated : XXXX
Consumer complaint received 2020-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

I called Credit Collection Services after I spoke to XXXX. This account is not my account. I have a great relationship with XXXX and they told me to talk to CCS directly. When I called CCS they told me to pay the account to have it removed from my credit. Why would I pay an account that is not mine? THIS ACCOUNT IS NOT MY ACCOUNT PLEASE HELP ME!
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (MA)

On XX/XX/XXXX I initiated a balance transfer. I requested {XXXX} be transferred to my Citi XXXX XXXX Card from my XXXX  XXXX XXXX card. The transfer was marked complete by Citi on XX/XX/XXXX and {XXXX} was charged to XXXX XXXX Card. However, XXXX XXXX never received a payment from CitiBank. I called CitiBank three times and they told me to have XXXX XXXX open an investigation. XXXX XXXX stated they can not investigate a payment they were not notified was coming. CitiBank has elevated this as an investigation despite claiming it was not their fault. I verified all of the account information.
Consumer complaint received 2021-12-03
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was onXX/XX/XXXX. And now we are in the month ofXX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc. (VA)

- Never received written validation notice from XXXX XXXX XXXX ( XXXX ). 
- XX/XX/XXXX_ Received a text and email from my credit monitoring company that there had been a change on my credit report. I checked online and XXXX had placed a collection notice. I called XXXX and they informed me that XXXX XXXX  XXXX XXXX ( XXXX ) had contracted them for the debt collection. 
- XX/XX/XXXX_ after several voice mails, I was able to talk to XXXX in the billing dept. at XXXX. Was told they had sent a monthly bill and after 9 months sent my account to XXXX. I never received a bill from XXXX and my address, email, and phone number had not changed since the original visit to XXXX. Still no written validation from XXXX since I contacted them 11 days ago. I called XXXX and they told me that my address given to them from XXXX was for XXXX, VA which is not correct. I went ahead and paid the debt over the phone thinking the collection notice would be immediately removed. 
- XX/XX/XXXX_ called XXXX and asked that they send me all the information that they had in my file. 
Still have not received the required written validation notice, have not received written confirmation on my payment and that it was for my acct. at XXXX, and collection notice is still visible on XXXX web site. XXXX never notified/contacted me before placing a collection notice on my credit report which will not be deleted for 7 years.
Consumer complaint received 2021-05-06
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. (TN)

I filed a dispute with Experian in XX/XX/2021 concerning a bankruptcy that is inaccurately listed on my credit report. 

On XXXX XXXX, Experian responded to the dispute and advised it had been verified as accurate by their third party company XXXX. I was advised i would have to contact XXXX XXXX for a method of verification. 

I wrote a method of verification letter to XXXX XXXX, and they mailed me a letter back on XX/XX/2021 and they explained that they were unable to verify the bankruptcy and that they removed it from my consumer report, and provided me with a official letter. 

I also obtained a letter from the US Bankruptcy court, and they advised that they do not furnish bankruptcy information to the credit bureau nor do they respond to disputes. 

I contacted Experian and advised that I had a letter that confirmed their third party company was unable to verify the bankruptcy and it has been deleted. 

Experian has refused to remove this inaccurate information, and keeps telling me that they get their bankruptcy information from the courthouse, which is not true. I uploaded my letters to their website to prove the information must be removed and they will not comply. 

Everytime i call for a supervisor, i am told someone will callback and they never do, and they continue to place me on extended holds for over 30 minutes and never return to the phone. 

Experian is in violation of the FCRA and I wish to file a complaint
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

hello, I've been trying to reach out to child support enforcement and the 3 credit bureaus on behalf of my credit report. this account is hindering my ability to obtain credit I am willing to make a type of settlement and comply and I have asked for variable proof of this account its been more than 30 days and I have yet to receive any updates. I called fair credit act and they said that by law they are required show proof. I sent XX/XX/2021 a certified letter because I was advised by post office that this would be the most accurate way of them receiving mail instead of normal mail. I will send you proof of those slips.
Consumer complaint received 2022-04-27
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. (GA)

After numerous attempts to resolve this matter, I continue to be ignored! The credit reporting agency did not investigate and delete the items mentioned in the dispute and I haven't heard anything back from them. They responded back with I didn't include verifying information, like driver 's license and proof of address. This is definitely a stall tack tick and is not acceptable.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NC)

On XX/XX/2022 I deposited a payroll check from my employer. My employer has more than XXXX employees and has a multi XXXX dollar XXXX XXXX XXXX The check was an official check drawn on a XXXX XXXX account. I used the mobile deposit and once I put in all the information and took pictures that were excepted of the front and the back, the app stated the funds would be available at XXXX XXXX  on XX/XX/2022. That was perfectly acceptable and I have deposited previous checks and the funds were available at the time stated. As soon as I hit the submit button to finalize the transaction the date changed to XX/XX/XXXX giving an explanation that the funds were unlikely to be collected. 

I have called multiple times about the situation over the last several days. l Have been told by multiple people that XXXX the Bank is required to place an extended hold on all checks. Even after I stated I knew that was not correct they continued to state this. I then spoke with a manager and ask her to call XXXX XXXX and verify that the check had already cleared as my human resource department had already done so earlier today. That is when a manager of the bank told me that banks dont call other banks. I knew this to be untrue as well. I called XXXX XXXX who also stated why dont they just call us and get the verification and release a hold. After telling XXXX XXXX what KeyBank had stated they said why dont you just give them this number thats exclusively for banks to verify phones. I have done so. My bank continues to say theyre not allowed to call other banks to do verifications. I believe I am a victim of some sort of scam and having my money stolen.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC. (MA)

I tried to open a savings account with Ally Bank and was denied because I am not a citizen of United States and only had an ITIN number. I was sent a claim for for the class action lawsuit to receive compensation of {$250.00} which included a W9 form. I sent both in XX/XX/XXXX claim # XXXX. XX/XX/XXXX still hadn't received any compensation I emailed allybanksettlement and sent my claim number at least 5 times. I just heard back this week XX/XX/XXXX that my W9 wasn't completed and they should have sent me an email so I could complete and send back. They confirmed that email was never sent to me and still are denying my claim. This is wrong and unfair they made a mistake and won't take accountability for their error. 2 emails sent by Ally same day : On XX/XX/XXXX at XXXX XXXX XXXX XXXX wrote : Thank you for contacting the Ally Bank Settlement Administrator. 
The form was not fully executed as it was missing information. As you were informed in the notice and claim form, you could be asked to provide official documentation to receive a cash payment from the settlement. As such, we sent notice to request such documentation from you, however we did not receive requested documentation. 
The final deadline to respond to Denial Notices expired. All deadlines and opportunities to cure deficiencies and/or dispute Denial Notices have passed. We are no longer accepting deficiency responses or disputes. 
For more information, please visit www.ABBankSettlement.com. 
Regards, Ally Bank Settlement Administrator www.ABBankSettlement.com - On XX/XX/XXXX, at XXXX, Administrator XXXX wrote : Thank you for contacting the Ally Bank Settlement XXXX. 
Our apologies, it appears we did not send a notice requesting additional information. Both parties reviewed your claim and agreed to deny your claim due to missing W9 Form. For more information, please visit www.ABBankSettlement.com. 
Regards, Ally Bank Settlement Administrator www.ABBankSettlement.com
Consumer complaint received 2022-11-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (NC)

So I took out a title loan was making payments on time made a payment for XXXX on XX/XX/2022 got in a accident the same day called my insurance company and they started the process at that point I owned XXXX so I called one main financial and they said I owned the XXXX so I called XXXX for the payout they got from one main financial and the payout was XXXX on XX/XX/XXXX my car value was XXXX deductable of a XXXX which totaled XXXX then on XX/XX/XXXX my gap insurance picked up XXXX so if you substract the payout amount from the XXXX you get a balance of XXXX they did not do this they started with the balance of XXXX which gave me a balance of XXXX so I called them and asked them what the payout amount was for this and they told me XXXX which I paid on the XXXX of XXXX which I shouldn't had to
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (FL)

I checked my personal credit report, which I acquired from your organization on and I noticed that this unauthorized inquiries had been made 1. XXXX ( XXXX XXXX, XXXX ) 2. XXXXXXXX XXXX  XXXX ( XXXX XXXX, XXXX ) 3. XXXX ( XXXX XXXX, XXXX ) 4. XXXX XXXX XXXX ( XXXX XXXX, XXXX ) 5. XXXX ( XX/XX/XXXX )
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (FL)

On XX/XX/XXXX an " Annual Fee '' of {$49.00} was charged on a CLOSED account. On XX/XX/XXXX an " Account Management Fee '' of {$12.00} was charged on a CLOSED account. On XX/XX/XXXX a " Late Payment Charge '' of {$41.00} was charged on a CLOSED account. The XX/XX/XXXX Statement shows " Past Due Amount '' of {$120.00} and a " Minimum Payment Due '' on XX/XX/XXXX of {$220.00} on a CLOSED account. 

This is my last attempt at getting these fees/minimum payment issues resolved with Aspire. I will be filing a small claims against them on XX/XX/XXXX if these issues are not resolved in the next week. Aspire is strong arming me into paying the balance on a CLOSED account and being unreasonable about amount due. 

And now they have reported my CLOSED account to XXXX as " Past Due. '' They need to STOP. 

Unfortunately, I am unable to attach the XX/XX/XXXX Statement showing all these discrepancies.
Consumer complaint received 2024-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (OK)

XXXX XXXX HAD MY XXXX XXXX STORED ON SANTANDER LOAN XXXX VIA SPEED PAY AND WAS UNABLE TO REMOVE IT AS A RESULT WAS DEBITED 4 TIMES {$620.00} OR {$1500.00} AND CAN NOT GET IT BACK.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

REQUESTED ALL PAYMENT HISTORY MADE TOWARDS CAR PAYMENT. XXXX DENIES TO DO SO. 
THEY ARE REPORTING THAT XXXX WERE WRITTIN OFF. INCORRECT. 
MADE 13 PAYMENTS OF XXXX EACH PLUS A 0NE TIME PAYMENT OF XXXX TO RECOVERY PLUS A XXXX DOWN PAYMENT.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX  IS REPORTING {$1600.00} A INCORRECT ACOUNT ON MY CREDIT REPORTS. THE ACCOUNT IS NOT MINES ME AND MY FATHER HAVE NAME.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

To someone in a position of authority that can help me resolve this issue, On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were innaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Section 611 ( a ) states that the failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It is currently 57 days, at this point these items need to be removed immediately. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply immediately with your investigation results. Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. I was also affected by the XXXX  data breach, and this problem could be the result of someone using my information fraudulently.
Consumer complaint received 2021-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MT)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. Thank you. 

( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for a Bank of America credit card. I received the card around XXXX of XXXX. The credit limit was {$5000.00}. To my knowledge I have always paid on time, as a matter of fact I had over paid. Yet they closed my account in XXXX of XXXX. I'm not clear on exactly what my interest rate was, but I believe it was near 26 %. I do not know why they closed out my account and I had a XXXX balance.