davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (TX)

Sold bitcoin, XXXX XXXX, {$1300.00} USD, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Complete and withdrew funds {$100.00} USD, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Complete is what shows on the Coinbase website in my account information then I received the following emails : Unfortunately we could not process your sell of XXXX XXXX onXX/XX/XXXX because the name associated with your bank account did not match your Coinbase account. and Unfortunately we could not process your withdrawal of {$0.00} USD on XX/XX/XXXX because the name associated with your bank account did not match your Coinbase account. i have been using the same bank account on Coinbase since XX/XX/XXXXsuccessfully. now my account shows {$0.00} Total balance. No money has been transferred to my bank account and no bitcoins or money remains in my Coinbase account. I have information showing the transactions have been completed and emails saying they were n't completed. i have no idea where my money or bitcoins are and I can not receive an answer from Coinbase even after submitting numerous support requests. As a XXXX year old retiree living on social security this money is very important to me. Please help me.
Consumer complaint received 2021-04-21
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2017-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CT)

On   XX/XX/17   at  XXXX  I have made a check deposit on a new  Joint accoun t I opened with  Citibank ( Regular checking  -  XXXX  ). The next day when I wanted to make a transaction my account was blocked. I went to  Citibank downt own  XXXX  CT and was told there was a problem with  one the  checks and that I have to call. I have call ed Citibank  on   X/X/17  a nd was tol d   XXXX   XXXX   h as put a hold on that check. They block the account, not the amount on the check. I then call the individual that sent me the check to inform him of the situation, he went to a branch where he was informed there is no hold on his check. Even with no hold on the check  Citibank will   not unblock my account before  10 b usiness days! Say that I borrowed the money because I had an emergency??
Consumer complaint received 2017-06-12
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: Convergent Resources, Inc. (PA)

Their was a Derogatory Remark about a Collection put onto my credit report with all   XXXX   credit reporting agencies. The remark indicates that I owe  XXXX  {$3800.00} and this account is now in collections.   - I have never had an account opened with  XXXX , and there is no credit account open on my credit report with  XXXX .   - I have also never been contacted by the collection agency, Convergent Outsourcing, about this or any other collection.
Consumer complaint received 2017-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Richard B. Maner, P. C. (TN)

I had a second mortgage that with   XXXX    XXXX  I filed Chapter  XXXX  bankruptcy several years ago and included them in my bankruptcy the debt was discharged. The mortgage loan was transferred to  XXXX   XXXX   XXXX  and they have set a property foreclosure sale for my property for the loan that was included in my bankrupty. My  1st m ortgage is with  XXXX  Mortgage and they were not notified of this sale nor did I receive notice of the property foreclosure sale. It is a mismeador in the  State  of Tennessee to move forward with a property foreclosure sale without giving the appropriate  30 no tice that is required by law. Also you can not collect on a debt that was included in a chapter  XXXX  bankruptcy and discharged.
Consumer complaint received 2021-09-03
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: LEXISNEXIS (RI)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Consumer complaint received 2021-09-03
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 (CA)

I have a hard inquiry on my XXXX  credit report that is fraudulent and I would like to have this inquiry removed. The date of the inquiry is XXXX. I submitted a letter to the credit bureau for this matter and I reached out to the company and they informed me that I needed to submit a complaint.
Consumer complaint received 2017-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (PA)

I sent {$100.00} to a friend in NY on  XXXX / XXXX / 17 . It took a week without receiving the money. I tried callin g Western Union on s everal occasions but all to no avail. And now when I checked on the phone, they are telling the money has been paid to someone in Colorado, why Colorado when the money suppose to go to NY?   XXXX  This is definitely a scam fro m Western Union!!    XXXX  Lesson learned ... never use  western  union.
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (SC)

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. Yet they ( Equifax ) has violated my rights several times. I demand the unauthorized inquiries listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax any written permission to furnish these accounts.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (NY)

My debit card and the related checking account have become unreliable since I moved and changed my address in late XXXX. Transactions fail about 1/3 of the time, both online and in person. I can not use XXXX because Ally bank keeps rejecting linking my accounts. 

I have called Ally 5 or 6 times, spending over and hour on the phone with every attempt. Ive been told 3 times that the error was due to the address change and told 3 times it has been corrected. Ive been told errors with transactions have always been an issue with the merchant, even when I was able to complete a transaction with a credit card and the same mailing address. I was told today that Ally is dealing with a new system, but that information was not made publicly available. I was also told that the issue with XXXX is a known issue, and again there was no public transparency. 

It honestly seems like Ally just doesnt care about these issues, customers having access to funds, or about retention of any kind. I am already planning to switch banks, and I have informed them of this. They have made no efforts to fix the issue, or reach out to me as a customer. Even when I sent a secure message 2 days ago, they have not responded. I spent half of an hour long phone cal on hold ( for various amounts of time ) and when I was disconnected, to attempt was made to call me back.
Consumer complaint received 2024-01-12
Product: Credit 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: Block, Inc. (IL)

On XX/XX/XXXX of XXXX I made a purchase with XXXXXXXX  for a pair of XXXXXXXX XXXX XXXX  on XX/XX/XXXX I contacted the company to find out where my package was they said they could not locate it so I have been waiting a almost a month for these XXXX on XX/XX/XXXX I contacted the company and ask them again to put a tracer or something on the package so they could find out where it was they still were unable to locate it so therefore I ask for a refund I at that time contacted cash app who I made the purchase through with my cash app card to dispute the charge because I had not received the merchandise and it had been over a month I let them know I had contact the company I had the email from the company saying that they were going to look into it back then and that they apologize but they were going to check with their shippers I never heard anything else back from them I sent that copy Into Cash app along with my dispute they did not even take long to respond to me and say that my claim was denied this is not the first time that I've had trouble with them not doing an investigation they got back to me in 2 days it took me that it took me longer than that to even get in contact with the seller to even get an email back so I know they did not do an investigation so they are denying people and people are getting scammed as I have out of their money and they're just pressing the deny button without doing any kind of Investigation and someone really needs to look into this because I'm sure I'm not the only one
Consumer complaint received 2017-06-12
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. (PA)

I HAVE AN ACCOUNT FROM XXXX XXXX XXXX XXXX SHOWING AS A CHARGE OFF ACCOUNT. THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT. I HAVE CONTACTED XXXX IN REGARDS TO THIS ACCOUNT MANY DIFFERENT TIMES AND THE ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT.
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OK)

XXXX   XXXX  l, closed  2  of my accounts, best buy and  XXXX . I have had these account for years. never been late was a good customer. they said my credit rating went down. ( with them closing my account the real went down   ) w  hat gave them the right to judge me!
Consumer complaint received 2017-06-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (OH)

I have been paying on this loan for nearly 10 years and my total amount has not gone down. First it was with XXXX XXXX then changed to XXXX and now Fed Loan Servicing. My loans from 10 years ago should had been paid off. Also more of my payments are applied to interest instead of the payment which should n't be so.
Consumer complaint received 2024-01-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (TN)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

PLEASE UPDATE ACCOUNT TO XXXX IMMEDIATELY THANK YOU AND ADVANCE PAID AS AGREED/NEVER LATE
Consumer complaint received 2022-03-03
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. (PA)

Hello I reached out to Equifax as well as the Creditors individually listed on my credit report and I addressed the issue of going over my credit report and noticing some inquiries that were not authorized and that I would like to have them removed immediately. Equifax instructed me to reach out to the creditors and I informed them that I had did so prior to reaching out to Equifax and I was instructed each company could not give me any information regarding the inquiries. 

The items I am looking to get removed are as following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

Dear Sir / Mandam, A few weeks ago I had to transfer some money to XXXX, and then I selected Wise ( https : //wise.com ) for this service. I thought I had provided the wrong banking information, so eventually the fund was rejected. Wise was saying to refund the money to me but I still not yet received my fund at this moment. They claimed to need several weeks to trace the refund status. 

XXXX : System replied me the refund sent to my account and need me wait 5 days to check my account. 
XXXX and XXXX : I have sending send emails to wise to ask I did not receive the refund amount. 
XXXX : I sent email again for chasing the refund status. 
XXXX : got email reply from Wise saying that the money has been refund and attached the recipt to me. 
XXXX : I sent email to them to confirm my refund did not received and the fund transfered to wrong bank, ask Wise how to solve it XXXX : Wise replied me our refund trace is started and need about 6 working days for the result. 
XXXX : Wise replied me they need over several weeks to trace my refund status.
Consumer complaint received 2017-06-07
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. (FL)

Checked XXXX XXXX and there is a hard inquiry from XXXX ( Retail, Not Elsewhere Classified ) on XXXX XXXX, 2017. I never authorized a credit check for anybody in the past 2 years. it is showing up on my Equifax report
Consumer complaint received 2022-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I sent off a debt validation letter on XX/XX/2022 via registered certified US mail that was never responded to nor acknowledged by XXXX XXXX. Pursuant to 15 USC 1992c ( d ) I had my wife to complete a recorded call and speak with a representative about deleting the account in the amount of {$14000.00} off of my credit report as I have never given consent for them to report on my behalf ( 15 USC 1681a ). She unlawfully refused to speak to my wife citing that she is not account holder when my wife is lawfully able to speak as a consumer ( 15 USC 1992c ( d ) ). Also, this account is fraud and identity theft as the consumer credit transaction of the alleged account is already completed ( 18 USC 1028a ).
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (LA)

Cash app is not allowing me to receive payments from a rental tenant. That said that I have exceeded my receiving limit but refuse to tell the limit or how the limit is calculated. This can be misleading for customers because now I am unable to collect my rent payment in one transaction. The tenant is now going to have to send multiple transactions which will incur them fees from their institution and inconvenience us both. I understand that cash app has limits in place for a reason. Im happy to abide by their limits but I fee Im owed an explanation as to how what my limit is so I know how to best work with my tenants.
Consumer complaint received 2017-06-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: DRB-40, LLC (CA)

on X/XX/2017 I received a call from XXXX. The person identified himself as XXXX XXXX from XXXX XXXX XXXX. This company continually calls my place of employment, threatens me with being served, calling friends and family to track me down, etc. They contact my work number four to five times a day, sometimes 3-4 times a week. They leave nasty messages on my cell phone also threatening. They tell me that I committed fraud, punishable by law by being arrested and literally scare the XXXX out of me. I had to leave work one day because I was so panicked about being served and arrested at my work I had a major XXXX XXXX. I want these people to stop making these threats and apparently no one has been able to stop them. I did research through BBB and it says this company is closed, but I do not know where these people are located because they wo n't tell you. There were numerous requests for credit, 16, through XXXX XXXX on my credit report that I did not do and it took time to get them off which I save all of the letters, but I have a feeling this company was doing this but ca n't prove it. I need help!
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

My husband and I placed an order from a website advertised as XXXX XXXX for {$39.00} on XX/XX/XXXX. It was set to be delivered by XX/XX/XXXXXXXX  and advertised product shipping from California. I get a tracking link and it says its being shipped from an international airport in XXXX, It did not arrive. I contacted the merchant they cited delays and ignored my inquiry about where the products shipped from. I waited and still no product on XX/XX/XXXX and disputed on cash app and selected the option for order never received as the reason for dispute. They denied. This morning I get a tracking alert that the package was delivered via an unknown courier on XX/XX/XXXX at XXXX. The tracking actually stated delivered in the future!! I contacted cash app again and redisputed. I also followed their process for retrieving evidence they used to deny the original dispute. They sent a copy of the transaction and nothing more. They said they will not be looking into it further. I filed a complaint with the AG as well for the company fraud impersonation of XXXX  and cash app for enabling the fraud. This is the second time in a week cash app has no regard for fraud used via their platform.
Consumer complaint received 2017-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XXXX XXXX, 2017, I filed a complaint against XXXX XXXX. On XXXX XXXX, 2017, XXXX XXXX agreed via CFPB ( complaint ID # XXXX ) that they would remove the negative information off all of my credit report. On XXXX XXXX, 2017, I also placed a dispute on Transunion via XXXX XXXX since they were the only credit reporting agency that continued to report XXXX XXXX. Approximately two weeks after that when XXXX XXXX continued to show Transunion reporting XXXX XXXX, I contacted Transunion. the representative claimed that I had not submitted a dispute and that he was going to submit a dispute on my behalf. I explained to the representative that XXXX XXXX agreed per the CFPB that they would delete the tradeline off of my credit reports, that the account has n't been reported on since XXXX XXXX, and every other reporting agency ( XXXX and XXXX ) no longer report this account. On XXXX XXXX, 2017, I received a copy of my credit report dated XXXX XXXX stating that Transunion completed their investigation into my dispute ( dispute number XXXX ). XXXX XXXX is still being reported and no explanation regarding why was provided.