davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (MN)

I placed an order to transfer {$1400.00} from my linked bank account to buy XXXX on the Coinbase XXXX mobile app. When I submitted the transfer an error message came up stating it was unable to process. So I then placed the same exact order for {$1400.00} again because the first transaction didnt go through. After the order processed I noticed Coinbase had processed 2 withdrawals for {$1400.00} each even though the first one came back in error. I didnt have enough funds in my account to cover this so I attempted to contact Coinbase and all I could get a hold of was automated messages same with email I received the same identical responses twice. After contacting my bank the said they couldnt stop this transaction therefore I got overdrafted for a {$30.00} fee from my bank. Coinbase Inc. tried to process the order again and I got overdrafted for a second time for {$30.00} from bank and I literally had no one I could get in touch with this whole time from Coinbase. Not to mention I also got charged a {$21.00} fee on a transaction I never even submitted then another {$21.00} when they made me overdraft twice. I get there is issues that occur but it is ridiculous I couldnt get a hold of anyone to solve this before losing more money I never even transferred in the first place. Coinbase owes me ( 2 ) {$21.00} fees for a transaction that came back in error but somehow still went through. They also owe me ( 2 ) {$30.00} overdraft fees that my bank charged me on. At the very least Coinbase owes me {$100.00} and a big apology for ZERO communication.
Consumer complaint received 2018-01-02
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. (WA)

On XX/XX/XXXX I inquired with XXXX XXXX for new service. They said they would run a soft credit check to be able to provide service. I was very clear with them that I would not authorize a hard credit check and the representative assured me it would not show on my credit report. 

The HARD credit check immediately showed on my Equifax credit report and I filed a dispute on XX/XX/XXXX.  Equifax returned the dispute saying it was a valid record and refuses to remove it from my report. XXXX XXXX refused to provide any assistance in removing the inquiry. 

I cancelled my service request with XXXX XXXX on XX/XX/XXXX before any services were provided. 

I did not authorize a hard credit check and made it very clear to the representative that a hard credit check was not acceptable.
Consumer complaint received 2024-01-30
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: Experian Information Solutions Inc. (CO)

There is a XXXX account ending in XXXX that is fraudulently reporting on my credit report. I reached out to the company and they have sent back information with XXXX different addresses. This only proves my point that the account is fraudulent as I dont live in Florida or California , and they have statements and account setup there. This account needs to be removed from my reporting within 7 business days or I will take legal action due to the harm of my reputation that this report is causing.
Consumer complaint received 2018-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delta Management Associates, Inc. (IL)

This is a complaint about Delta Management Associates ' response to me in a prior complaint : XXXX. 

The company Delta Management asked that my employer return their form. 
All options provided on the form imply that the person they are collecting on has or does work at my employer. In fact, a person with the SSN they are collecting on has never worked at my employer. The form they want my employer to fill out lacks any such response option.
Consumer complaint received 2017-07-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC (TN)

I took out a XXXX XXXX loan and afterwards lost my job and accrued serious medical bills from a XXXX XXXX. I 've paid off over half the loan but am unable to pay the rest right now. Advance Financial calls me from different phone numbers upwards of 15-20 times a day starting around XXXX XXXX central time. Also In the process of making automated withdrawals from my account they over drew my account. I did agree to automatic withdrawal but the fact they caused overdraft fees is very upsetting.
Consumer complaint received 2018-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (TX)

I am a victim of identity theft. In 2016 my apartment was broken into and several identity documents were stolen, including my photo ID and social security card. I filed a police report with the XXXX Police Department - report ID : XXXX I have attached a copy of the police report to this complaint. 

The debt being collected does not belong to me. I did not take out a loan, nor have I ever taken a loan, from " XXXX XXXX ''. I have never taken out a payday loan period. I did not receive any funds or benefit in any way from a loan taken from this company. 

During the course of this identity theft several accounts were opened in my name. All creditors were notified that these accounts were fraudulent and investigations were opened. I have attached copies of letters from other creditors who opened investigations and found these accounts were not opened by me. 

Several bank accounts were opened in my name as well. I suspect whatever bank this loan was sent to was one of them. Bank accounts fraudulently opened in my name included XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. All of these accounts have been disputed, closed and removed from my credit reports. 

I have also attached the FTC affidavit of identity theft to this complaint.
Consumer complaint received 2024-01-30
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: Experian Information Solutions Inc. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX  XXXX XXXX XXXX XXXX XXXX & XXXX XXXX
Consumer complaint received 2018-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I requested a Wire Transfer Withdrawal from Coinbase.com on XX/XX/XXXX for {$2400.00}, and it showed as completed in my Coinbase Account History the same day. 

The reference code for the request is XXXX and the reference code for the wire transaction in history shows as XXXX in Coinbase. 

Yet, I have not received the money in my bank account. My bank said there has not been any incoming wire activity recently. I have my bank statement attached, showing all activity from XX/XX/XXXX to present. There has not been an incoming wire transfer from Coinbase. 

I requested this wire transfer before the site said there would be delays with wire transfers. It has been 11 business days now. At first, they made a status update on XX/XX/XXXX that wire transfers will be delayed by 3 business days. Then on XX/XX/XXXX, they said 5 business day delays. Then on XX/XX/XXXX, they said 7-10 business day delays. 

I have opened numerous support tickets, contacted Coinbase employees on social media and XXXX, yet none of them resolved my issue or even acknowledged it. 

I have done many successful wire transfer withdrawals and ACH withdrawals with this same bank account on Coinbase, so it is not user error. The attached statement shows that I did successfully receive an ACH withdrawal from Coinbase on XX/XX/XXXX for a different transaction ( proving that they have my correct account ).
Consumer complaint received 2021-02-20
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: GOLDMAN SACHS BANK USA (FL)

I made a purchase on XX/XX/XXXX for some items from XXXX XXXX online XXXX XXXX XXXX for {$180.00}. It appears that the company is based in XXXX. I noticed that in XX/XX/XXXX, I still didnt receive the items. So I requested a refund. The company admitted that my package was never delivered to me and told me they would give me a refund once they received the items back. I did not receive the refund as I cant return what I dont have. So I filed a dispute with my credit card company, Apple Card. As of yesterday, the company refused to give me a refund and the Apple Card representatives said because the companys provided proof that I purchased the items and the company said they were giving me a refund, they are ruling in the merchants favor regarding the dispute. Therefore, the {$180.00} charge will stay on the card.This is not acceptable because I never received the items and the company has not given me a refund. Apple Card is not a safe credit card to use.
Consumer complaint received 2017-07-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (AL)

When my mortgage company was Green Tree, I was paying 7 % and was struggling. I applied for a loan modification and was rejected. During this time I was in Chapter XXXX. Later I learned that according to the consumer protection agency, many customers were lied to by Green Tree. They were told that they were not eligible for a loan modification when in fact they were eligible. During that time I got behind and got caught up as part of my chapter XXXX. When I got out of chapter XXXX, I tried to get a mortgage refinance or any thing that I could, including any available goverment program. They told me that I was not eligible. They turned me down. At this time they put a statement on my credit report saying that I got behind in payments and it was caught up as part of a chapter XXXX. I guess they did this to justify denying my refinance. Yes I am still paying 7 % when the interest rate is much, much lower. They did take the statement off of my credit report, once I paid a company to clean my credit. I also was told that what they did was not legal. I do not know what to do to take legal actions against them, but I will. Obviously they stand to lose money by charging me what the actual interest rate is these days, instead of 7 %.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (IL)

I'm writing to complaint to CREDENCE RESOURCE MANA about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I go by XXXX XXXX XXXX. My birthdate is XXXX I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2022-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

XX/XX/XXXX, it came to my attention that NationStar Mortgage XXXX, XXXX. Mr Cooper failed to pay my hazard and flood insurance premiums. I requested that Mr. Cooper pay the premiums immediately by overnight mail as my insurance would expire in the next few days. Mr. Cooper then sent a check by regular mail. Once my insurance broker informed me funds were not received, I requested Mr. Cooper send a second check overnight to avoid a laps in coverage. Funds were received during the grace period and a laps in coverage was avoided. Mr. Cooper failed to put a stop pay on the XXXX check which was also cashed by the insurance XXXX. The insurance XXXX mailed a check for the over payment to the property address rather than my mailing address. Therefore I was unaware Mr. Cooper has paid twice and I had not received any funds from the insurance XXXX to prompt me to think otherwise. In XX/XX/XXXX, while preparing tax docs, I realized Mr. Cooper misreported my XXXX XXXX payments by double the amount. The escrow analysis team also performed an analysis using the wrong escrow balance. Upon, learning all this I have spent the remainder of the XXXX to have everything corrected. The Insurance has sent a second check to my mailing address in the amount of {$2200.00} for over payment. I advanced {$2500.00} on XX/XX/XXXX to Mr. Cooper to deposit in my escrow account and requested a new escrow analysis to avoid a payment increase of {$300.00}. Mr. Cooper has refused my request for a new escrow analysis. All this is a result of Mr. Cooper failing to properly manage MY escrow funds. I want Mr. Cooper to provide a new escrow analysis to avoid such a huge increase in my monthly payment.
Consumer complaint received 2018-01-02
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. (NC)

On XX/XX/XXXX, I mailed a letter to the credit bureaus asking them to correct 5 mistakes on my credit report. Over 45 days have past, and I have not yet received a response from XXXX  or Trans Union. They were supposed to respond within 30 days.
Consumer complaint received 2017-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

XXXX2014 {$100.00} Currently disputing. 
Hello. As i was doing my research. It shows i have a debt that does not belong to me from CONVERGENT XXXX XXXX who is also not licensed in FL to collect any debts. May you please contact agency to remove debt as soon as possible. Thanks for your cooperation.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

I am in the process of purchasing a second home and the loan from my current home is showing late payments and inaccurate information regarding a bankruptcy that i had in XXXX, it shows Bankruptcy was in XXXX. There has never been late payments for this mortgage and XXXX XXXX XXXX wants me to fill out reaffirmation paperwork which is not allowed in the state of Arizona. Since this loan was not reaffirmed after the bankruptcy it is not even supposed to show up on my credit reports. XXXX and XXXX do not show this but experian is showing this inaccurate information. I have spoke with experian and they have filed a dispute for me, but XXXX XXXX XXXX keeps wanting me to hire a lawyer to reopen my bankruptcy to fill out reaffirmation paperwork but my lawyer says that is not possible. XXXX XXXX XXXX states that I have made all my payments and on time but seen to be dragging their feet in correcting the matter. I have been on a 3 way call with them and experian but no resolve to the situation. Time is of the essence since I will lose the house and my earnest money on XXXX XXXX if this is not removed from my credit report with experian.
Consumer complaint received 2018-01-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cottonwood Financial Ltd. (TX)

XXXX XXXX XXXX is reporting a charge off from the cash store on  my credit. First, its not my debt and i never had an account with the cash store.  Secondly, when i called they said it was opened in XXXX, so its past the statue of limitations for reporting. They are reporting it was opened in XXXX XXXX, They are breaking the law and i want it off my credit report immediately. They need to provide the original documentation which shows when it was opened as well as it not being mine.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I reported fraudulent activity on my credit report to Experian Regarding them reporting a fraudulent account that was opened in my name along with a police report showing proof and its still on my credit report negatively affecting my credit and inability to obtain credit. Which is in violation of my rights from Experian under the FCRA law.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (VA)

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, Experion, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2017-12-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Simon's Agency, Inc. (NJ)

Dear Customer Care, I would like to inform that, my credit has been repeatedly hampered by the company. I have no knowledge of this account and it is being put to negatively impact my score. 

Please Kindly help remove this account from my XXXX Credit File. This does not exist in any other credit bureaus. 

SIMONS AGENCY INC XXXX
Consumer complaint received 2024-01-30
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: Experian Information Solutions Inc. (MS)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$16000.00}
Consumer complaint received 2017-12-29
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)

The credit bureau is refusing to delete three collection accounts on my report that are not mine. They are all reporting under the same collection company called " XXXX XXXX XXXX '' for different amounts. The first account is for {$1100.00} with account number # XXXX and an open date of XX/XX/XXXX. The second account is for {$1400.00} with account number # XXXX and an open date of XX/XX/XXXX. The third account is for {$2500.00} with account number # XXXX and an open date of XX/XX/XXXX. I have spoken to representatives at this XXXX XXXX company and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.