davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Revolut Technologies Inc. (WI)

My sister made a transaction on XXXX of XXXX with XXXX XXXX, I've tried to deposit my funds to my personal account on XX/XX/XXXX, but XXXX canceled my attempt and asked to proof my identity, so I did : I sent them my personal photo with holding my DL in hands, sent them XXXX statement, SSN number, but it wasn't enough for them and XXXX decided to lock my account and freeze all my funds due to suspicious activity. after 14 days of reviewing my claim I contacted them again and they said that they can't do anything about and I have to file a claim at their corp website. I've done that as well. after 14 days no one called me either. I tried to contact XXXX online agent again but they locked my access to it and just didn't respond me back for 24 hrs already and counting ... ... ..
Consumer complaint received 2019-06-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Circle Internet Financial ()

This issue involves the cryptocurrency exchange XXXX. On XX/XX/XXXX I deposited 2 bitcoins and converted it to monero. When I tried to withdraw, it did not go through. I opened support tickets and contacted a representative via XXXX and was told that the funds needed to be reviewed before being released. The funds were locked away in the attempted withdraw as the currency dropped in value but was released at the end of XXXX. I still could not withdraw so i moved the funds over to their lending platform on XX/XX/XXXX. Now on XX/XX/XXXX they have announced they have had losses on the Margin trading on XX/XX/XXXX so they are reducing all lending accounts by 16 % taking from the customers to cover their losses.

This is a big issue as 1 ) they have not given me access to my funds for 2 months, and 2 ) have taken a 16 % cut for an event that happened before I moved my funds to their lending platform.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

I recently during the pandemic fell behind on my payments due to financial hardship and the fact I just had a child. Prior to my initial missed payments I had a good payment history and even after those missed payments I kept up with payments. The payment that was missed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were only due to a real natural hardship and the pandemic that took place and I beg that you forgive them being that I have good track record and the account is already considered paid and closed. The missed payments are also affecting my ability to obtain more credit and is hurting my financial reputation.
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

I recently found out from reviewing my credit report from XXXX that Macys claims I have and outstanding balance. That was news to me since I have not received any bills from Macy 's. No paper mail, no email and no phone messages. 

On XX/XX/XXXX, I wrote Macy 's requesting additional information regarding the charges. My inquiry revealed two things : 1. ) Macy 's claims that I used the credit cart to purchase {$97.00} on XX/XX/2019. 
2. ) Macy 's shows all means of notification were turned off. That is, I would not receive any bills. This explains why I received no bills.

I do not remember making the purchases but I offered to pay the {$97.00}. Macy 's has now sent a bill for {$240.00} to my home address. I attempted to have them eliminate interest and late fees without avail.
Consumer complaint received 2022-04-02
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. (NY)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Google Compare Credit Cards Inc. (MA)

I enrolled in an offer on Google Pay to use to earn 20 % cashback ( up to {$50.00} maximum ) when using Google Pay  at XXXX. I verified that I was enrolled in the offer in the Google Pay app prior to completing the transaction. Please see attached receipt from XXXX detailing the amount of this transaction of {$170.00}. Shortly after playing the order, a pending cashback of {$34.00} appeared in my Google Pay account. However, this ended up disappearing from my account. I speculated that this may be due to a *DIFFERENT* transaction with Google Pay at XXXX  that ultimately was refunded ( see attached ). I reached out to Google Pay regarding this speculation. After their investigation, they determined that I was correct and that I should be credited for this amount ( see attached ). Despite stating this and despite two additional attempts at following up with no response from Google Pay, the amount still does not appear. This is false advertising.
Consumer complaint received 2017-12-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OK)

On XX/XX/XXXX at XXXX PDT I sent an email to Coinbase asking why they never received a Litecoin transfer. 
On XX/XX/XXXX at XXXX PDT I received an follow up email from Coinbase XXXX 
On XX/XX/XXXX at XXXX PDT I responded letting them know that I was scammed buy a fraudulent web site and I resolved my issue. 
On XX/XX/XXXX at XXXX PDT Coinbase responded with an email saying they disabled my account on the same day a wire transfer went through into my account with them of the amount of {$400.00}. 
On XX/XX/XXXX at XXXX PDT I responded via email that they did not have to disable my account because the issue was resolved. 
On XX/XX/XXXX at XXXX PDT Coinbase response : Hi there, Thanks for your reply. We are trying to understand your initial claim of unauthorized activity regarding a phishing attack. 
The initial 2LTC deposited to your account were sent externally from an XXXX device. Can you confirm the date and amount of the unauthorized send? The same device was recently used in connection with your account. Can you please provide us with the URL of the website that you visited so that we can investigate further? 
Please note that your account will remain disabled until our investigation has concluded. You are solely responsible for the security of your devices, email, passwords, and 2fa codes. 
Thank you. 
Coinbase Support On XX/XX/XXXX at XXXX PDT I responded to Coinbase with the information they wanted. 
On XX/XX/XXXX at XXXX PDT I had not received a response. I sent an email asking if they received my email. 
On XX/XX/XXXX at XXXX PDT I sent an email asking Coinbase to refund my money. 
On XX/XX/XXXX at XXXX PDT I called Coinbase customer support and they said my work order was closed. They reopened the work order and put my work order at the end of the que. 
On XX/XX/XXXX at XXXX PDT I received an email from the email I sent on XX/XX/XXXX at  XXXX PDT asking me to reply with a statement. 
On XX/XX/XXXX at XXXX PDT I replied with the following : I believe my devices, email account, and 2FA applications are secure, please enable my account. 
Today XX/XX/XXXX at XXXX PDT I have not heard back from Coinbase . All I want is my money back. 
Thank you
Consumer complaint received 2022-04-02
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. (FL)

XXXX XXXX XXXX  Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-05
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: CREDIT ACCEPTANCE CORPORATION (TN)

According to federal law 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to report with profit loss write off. I am formally requesting a copy of any documents, bearing my signature, showing that I have a legal binding contractual obligation to pay you, I am requesting you to sent the wet ink contract bearing my signature to be sent to me upon receiving this letter.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion lowered my fico score by determining a student loan amount Increase of {$32.00} dollars was due to possible late payment, that's incorrect, the balance increased because the loan was pushed out longer since my son is still in school, deferred payments, 6 months longer, until he graduates to pay any payments the {$32.00} dollars are interest ... put to back of loan ... not LATE, they dropped my fico score from a XXXX to a XXXX ... good to fair, and I just got approved for another loan ( Fasfa ) ..but due to drop my interest rate will cost me XXXX dollars more if not corrected within next 7 days from todays date of XXXX
Consumer complaint received 2021-05-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

On several occasions, Firstmark Services has made promises of applying a Natutal Disaster Forbearance to my XXXX XXXX loans for wildfires experienced in XXXX County. I have had over ten contacts with this company, and on each call, they state they are submitting this to be applied and expedited, each and every time, most recently today, XX/XX/21. Meanwhile, my account continues to grow more delinquent during a time of severe hardship and Firstmark has not honored their promise of applying the forbearance to my XXXX XXXX XXXX XXXX XXXX loans. This company is absolutely subpar in terms of customer service, has caused me great distress over many contacts and still refuses to honor their promise to apply these forbearances on multiple calls spanning four weeks now. This matter is time urgent and requires immediate resolution prior to credit reporting in 6 days.
Consumer complaint received 2019-11-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

During the financial crash i applied with Bank of America to get a loan processed through the making home affordable program, the bank continually lost the modification information or just said it was not sent and was confirmed by employees to be in the database, this was Country Wide loan originally was finally modified with all the fees attached that were not due to me but solely due to Bank of America loosing information or just lying saying it was not sent. It is now with XXXX XXXX and is a predatory loan that is more then I can get refinanced and has a really bad rate with no value in the house due to the added on fees from Bank of America i have continually tried to get this modified but i am now unsuccessful due to the additional fees added to the modification by Bank of America. 
the payment for this loan is increasing from {$2500.00} to {$3900.00}. This is making the loan very hard to pay and the house is worth less then the mortgage amount. 
As this loan has been moved from County wide to Bank of America to XXXX XXXX to XXXX XXXX I can only reference the original problem cause of Bank of America
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

I applied for a home refinance loan last week. I received the HUD disclosures today. The institution that we are refinancing with is XXXX XXXX XXXX XXXX. No issues with them. In the consolidated credit information ( from all three credit reporting agencies ), it was reported that I had a balance of {$5600.00} with XXXX XXXX XXXX on a credit card. I called the bank and I was told I had to take that up with the credit bureaus and they had no further intention of doing anything about it. I spoke with XXXX  and XXXX. They both verified that their systems showed a XXXX balance. I spoke with the folks at Equifax and they refused to allow me to submit a dispute. So, I have issues with both XXXX XXXX XXXX and XXXX.
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Since XX/XX/XXXX XXXX XXXX. I been incontact with the XXXX  card business department at Capital One. I have informed the representatives that the business checking is not in my name and I have no way to access something that is in not in my name. Also this account had/ has many unauthorized charges. I informed the representatives that I only have access knowledge of a business account for XXXX XXXX anything else is not authorized by myself since im the owner of the cards/ business.
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I received a letter in the mail today thanking me for choosing to use a XXXX XXXX XXXX XXXX credit card. I have never had a credit card of any type with XXXX XXXX and never will. It seems as if someone from XXXX XXXX has opened a credit card account in my name and I do not appreciate it.
Consumer complaint received 2022-03-30
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. (NY)

I am writing today because I am shock how poor attention and lack of investigation Experian, XXXX, and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below errors : XXXX  The first error date open XXXX is reporting XX/XX/XXXX while Experian and XXXX is reporting XX/XX/XXXX. 

The second error close date XXXX is reporting XX/XX/XXXX while Experian and XXXX does not have a closing date. 

The third error account status XXXX and Experian is reporting closed while XXXX is reporting open. 

The fourth error payment status XXXX and XXXX is reporting current while Experian is reporting late 150 days The fifth error last payment XXXX  and Experian is reporting XX/XX/XXXX and XXXX does not have a date. 

The last error credit limit XXXX and Experian is reporting {XXXX} and XXXX is reporting {$0.00}. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G.
Consumer complaint received 2021-02-03
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 — Was not notified of investigation status or results
Company: STERLING JEWELERS, INC. (CA)

Back in XX/XX/2020 I settled with Kay Jewelers and they were suppose to report to the credit bureau as a XXXX  balance they yet to do so. Since this has been misreported for months now I want this REMOVE NOW!!!! .. The promise on their part was not upheld like my was when I paid the settlement. They have had plenty of time to report to a XXXX  balance and have decided not to do.
Consumer complaint received 2019-08-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

WHY IS THE CHAPTER XXXX. BANKRUPTCY STILL REPORTING ON ALL THREE CREDIT BUREAUS? THERE IS NO BALANCE ALTHOUGH THEY'VE ALREADY BEEN DISMISSED AND HAVE BEEN OPEN SINCE XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX PLEASE PROVIDE ME WITH ACCURATE, VERIFIABLE AND COMPLETE INFORMATION AS TO WY THESE ACCOUNTS ARE TILL REFLECTING NEGATIVELY ON MY CREDIT REPORT.
Consumer complaint received 2020-09-05
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. (AZ)

On XX/XX/XXXX the US Small Business Administration pulled a credit report using my personal information for a loan that I did not apply for. I contacted SBA onXX/XX/XXXX and discussed with the fraud department. SBA indicated that loan application number ending in XXXX for {$35000.00} was canceled. I was instructed to e-mail XXXX to request a copy of the loan application and disposition. I e-mailed onXX/XX/XXXX and have had no reply. I was given no other confirming information from SBA other than the verbal information.
Consumer complaint received 2022-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (FL)

Last month I found a collection account in my credit report there was medical bill amount {$1000.00} charge date XX/XX/2017. 
Current Creditor XXXX XXXX XXXX XXXX Original Creditor ; XXXX XXXX XXXX Contract ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-02
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. (NY)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-12-19
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 — Their investigation did not fix an error on your report
Company: Williams & Fudge, Inc (TX)

Williams & Fudge is continuing to report an account to my report, even after requesting validation. They never sent me the proper validation but yet continues to report this debt to my report at all credit bureaus ( XXXX, XXXX, and XXXX  ) after contacting them in XXXX of XXXX.
Consumer complaint received 2022-04-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

My home equity loan was transferred from XXXX XXXX XXXX and Reporting ( XXXX  ) to Specialized Loan Servicing LLC ( Specialized ) in XXXX. A payment I made to XXXX was not credited to my account. I attempted to make an additional payment to Specialized in XXXX of XXXX ( and received electronic confirmation of Specializeds receipt of that payment ), but that payment was not removed from my account. This has resulted in my account being shown as overdue when it is not. 

I asked Specialized to 1 ) credit my account for the payment that was made to XXXX, 2 ) confirm that Specialized will not debit my account for the additional payment that I attempted to make, 3 ) waive all late charges, 4 ) confirm that their actions will not have any adverse impact on my credit, and 5 ) provide me with an updated and accurate statement of the balance due on my account.

To date, I have received no response from Specialized. When I called their customer service number, their representative could not or would not resolve these issues. I filed an online request for assistance and received no response other than their computer-generated email saying that my request had been received. I followed up several times on my initial request and have still not received a response.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To Whom it may concern ; Bank of America has deliberately prolonged my suspicious activity claim opening & closing the claim then claim to now have to open second claim extending the 90 day timeframe to resolve the case. I am not trusting any of the supervisors @ Bank of America. Today XXXX when I opened my email a Bank of America email stated my card was being suspended and a new card is on its way. The account that previously compromised has already been closed and a new card issued and now the new card which was not requested by Bank of America according to supervisor XXXX. 
The following list below are the representatives I spoke with today. 
XXXX ; XXXX ; SUPERVISORXXXX ; CSR NEW CLAIM NUMBER ( XXXX XXXX XX/XX/XXXX ) # XXXX. 
XXXX asked for the police report number stating she had no access to the faxed in report I sent in. According to XXXX the supervisor she stated XXXX did. I did not trust this CSR for lying to me and asked XXXX what about the 1st case? XXXX opened a new case for the XXXX purchases and escalated the 1st case since it was closed. XXXX asked me many questions and being XXXX in a level that she could help. There is too many mistakes going on and no one really doing their job. The incident happened on XX/XX/XXXX and the case keeps being pushed back, closed and reopened but only when I inquire! If I did not inquire XXXX XXXX XXXX would just on the case.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I requested in paril via certified mail to have fraud alert and personal consumer statemnts removed from equifax. 

XX/XX/2020 I received document stating that there is no fraud alert. ( ill attach document ) I pull my monthly report and its till there!!! XX/XX/2020
Consumer complaint received 2019-08-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

PLEASE GIVE ME A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT???!! 

XXXX XXXX XXXX : THERE ARE A TOTAL OF 3 ACCOUNTS REPORTING UNDER COLLECTIONS AND IT IS REALLY AFFECTING ME. THE BALANCES ARE OF : {$0.00}, {$350.00} & {$1100.00}.