davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NV)

On XX/XX/2017, I wired {$10000.00} to Coinbase from my XXXX XXXX XXXX business account. A couple of days later, I received an email from Coinbase saying my fund was reversed due to name mismatch. Now It has been about 40 days, I never received my money back. I tried to contact Coinbase thru phone call and email, but NEVER got replied. I checked on XXXX and found hundreds of people having the exact same issue just like me. 
I believe it is absolutely illegal for a company holding hundreds of thousands customers ' money for such long time. And Coinbase they never reply your inquiries. 
That 's why I 'm filing a claim here trying to get help. 
Thanks.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Bureau Financial Services, Inc. (NY)

I am having a problem with my credit score due to the fact that I have old/negative XXXX  XXXX XXXX XXXX closed accounts on my credit report from XX/XX/XXXX - XX/XX/XXXX. I currently have an open account which I 've been paying on time since XX/XX/XXXX. I was told and understand these negative accounts which are closed are really hurting my credit score and I am asking if they can please be removed. If one looks at my payment history, all my payment have been on time and I am trying to rebuild my credit.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (TX)

Although my account with XXXX XXXX was sent to collections, I was able to pay them the past due balance of {$61.00} directly instead of the collection agency. I was assured by two representatives that XXXX would contact Credit Collections Services to have it removed from my credit report since it was settled through them. I received an alert that it was marked as closed on my credit report instead of being removed. I immediately contacted Credit Collections Services and was told they don't remove cable collections. XXXX XXXX said they'd have the collection agency remove it according to the transcript attached since it was paid to XXXX directly.
Consumer complaint received 2018-01-20
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)

I reviewed my credit file. Found information I did'nt recognize. I contacted the company which was reporting the negative remark on my credit with a copy of my credit file, my government issued I.d . and social so I could be easily identified. I received a letter from the company ( XXXX XXXX XXXX ) stating they were not able to locate my information in there system and it was in fact incorrect and contact the credit agencies. I called the 3 agencies and sent in my government issues i.d., social, and a copy of this letter and an explanation to get this information removed from my file. They stated they couldnt locate the files multiple times. Tired of getting a run around I filed a complaint with the cfpb. The agencies then stated they would " investigate this '' they sent me a letter stating they were able to verify it. Stating XXXX stated this even though i got a letter from them stating otherwise. Nothing was attached or sent as proof that the debt was verified. They have failed me a a consumer as they did not properly investigate the matter and send the required proof that was used to verify the debt. I will attach the letter I received from XXXX XXXX themselves as my proof. I have done everything that is required by me and I expect Experian/XXXX/XXXX XXXX XXXX to do so also.
Consumer complaint received 2018-01-20
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. (PA)

I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong No Name-XXXX past due amount missing Monthly payment missing No high balance Payment history missing XXXX XXXX-XXXX No high balance Payment incomplete also late payments are being reported when account is closed XXXX XXXX XXXX XXXX XXXX the account status is missing and the payment history
Consumer complaint received 2022-01-06
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. (OH)

Upon review of my Experian credit file, I noticed several inaccurate accounts and inquiries, pursuant to 15 USC 1681. 

I attempt to rectify the matter by sending the attached affidavit to Experian to have these accounts and inquiries removed. 

This has not yet been done.
Consumer complaint received 2020-06-24
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. (DE)

There is an account with XXXX XXXX XXXX showing on my credit report in the amount of {$1300.00}. I do not have a contract with XXXX XXXX XXXX. I am not liable for this collection or responsible for this debt. I was never sent any proof validating this debt even though I have requested it. Furthermore, it doesnt appear that XXXX XXXX XXXX is licensed to collect debts in the state of Delaware.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX  XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-21
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: JPMORGAN CHASE & CO. (MA)

I filed a dispute with Chase VISA regarding a charge that was misleading from XXXX XXXX ( {$520.00} on XX/XX/XXXX and XX/XX/XXXX, split in two ). The hotel advertised ( XXXX XXXX XXXX XXXX, XXXX ) that I was paying extra for a " high floor '' in a 21 story hotel. I was given 8th floor and told " high floor '' means 6-10. There was no indication of this when making the reservation and prepaying. The hotel nor XXXX didn't offer me a refund of any type, partial or otherwise, so I dispute the charge with Chase. Chase said it was valid. When I asked them to re-open it because they didn't address the issue of the misleading/fraudulent advertising, they sent a letter saying it was a valid charge based on the receipt from the hotel- not addressing the issue of a misleading advertisement and charge for a " high floor '' room in a hotel that was 21 floors. XXXX told me that the individual hotel is responsible for what they post on the XXXX app, where I made the reservation and payment from. T The complaint is because of the failure of Chase to help with the dispute, not addressing at all the fraudulent advertising ( I sent them copies of the app screen that says " high floor '' without indicating it would be the bottom half of the hotel! ) BUT also, in their letter, they said they were reporting my disagreement with their dispute finding to four credit agencies ( and they provided the names and addresses of each ) who may not file it correctly. I experienced this as an intimidation or threat to not re-open the dispute again as it could impact my credit (! ), despite Chase not addressing the issue of the fraudulent advertising by the hotel when I made the purchase. 

My understanding is that credit agencies don't deal with customer disputes- especially as my credit card bill is up to date, has never been late, and I have not refused to pay this charge. In fact I have outstanding credit ( over XXXX ). 

So my complaint centers around Chase : 1. Not adequately addressing the substance of the complaint 2. Attempting to intimidate me by claiming that any disputes around charges ( regardless of payments made to Chase ) are reported to credit agencies- which of course, any consumer would be concerned about " reporting to credit agencies. ''
Consumer complaint received 2024-03-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo, as of XX/XX/2024, XXXX, is factually doing Data Brojerage and Fincial Consumer personal loan lending with multiple U.S. Online/brick and mortar loan stores across U.S. Said stores are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-20
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. (PA)

I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong XXXX XXXX Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high balance, XXXX XXXX XXXX XXXX XXXX Account Number XXXX this account is reporting inaccurate the balance is higher than the high balance, XXXX XXXX XXXX Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high balance,
Consumer complaint received 2017-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TN)

I am contesting the account with XXXX XXXX XXXX. It is an account that was opened without my consent. It is showing a balance of {$600.00} with a {$500.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 120 % usage. I need Experian and XXXX XXXX XXXX to correct this account on my Experian report. I should not owe XXXX XXXX XXXX anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. It has been corrected on my XXXX and XXXX reports, too.
Consumer complaint received 2017-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

Bank in question : Wells Fargo Tuesday XXXX I have been a wells fargo customer for 10 years, not that it seems to matter. 
I deposited a check via mobile deposit. 
When I went to see where the funds were they said there was a hold on the check because of " fraud ''. I asked for more information but they declined. I then went to the clients bank that gave me the check, they said the check was good and the money had already been debited out of her account. I spoke with multiple associates who told me multiple different things, one said the fed put a hold on it, another said the check image eas bad. The issuer of the check and her bank even tried to rectify the situation with wells fargo but they still wouldnt work with us. Then we were going to cancel the account but could n't because they had already taken the money! After this an Executive Wells Fargo supervisor told me they would be charging me a {$12.00} fee if I the issuer cancels the check. The systen will run the check again on the XX/XX/XXXX of this month and when I asked them not to do this they refused, and said I didnt have a choice, then I filed a complaint and when I asked for a copy of the complaint the executive said No. So what is to keep them from deleting my complaint and any record of the transaction and forced fees if I was to seek legal action? This is absolutely un-ethical. 
Thank you for your time!
Consumer complaint received 2021-06-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

Experian XXXX. XXXX  XXXX XXXX, TX XXXX I HAVE RECEIVED NO RESPONSE AND NO PROOF ON HOW YOU VERIFIED THIS ACCOUNT. ( XXXX XXXX ) YOU ARE REQUIRED BY LAW TO PROVIDE ME WITH PROOF AND RESPONSE. 

NO RESPONSE IS ADMISSION, WHICH MEANS YOU ADMITTED TO NOT VERIFYING THIS DEBIT AFTER ME CHALLENGING IT. 

THE FOLLOWING ACCOUNT WAS VERIFIED BUT NO verification was provided the only information you replied with remains/ your erroneous acts and illegal business practices have ruined my reputation as a consumer and i fully intended to pursue any litigation or taking you to court if this is is not removed or verified 100 % per law. 

Send me proof of how you verified Name of Account Account Number Provide Physical Verification XXXX  XXXX XXXX Unverified Account
Consumer complaint received 2018-01-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (VA)

I spoke with XXXX on XX/XX/XXXX and advised that I did NOT WANT my payment to be debuted in the XX/XX/XXXX, and wanted it to be debited on the XX/XX/XXXX. She said that she had changed to date and that the payment would not go through. However the payment still came out on the XX/XX/XXXX due to her not canceling the auto debit, which in turn cost me overdraft fees with my bank. I called and attempted to resolve the issue with her and advised this was her mistake which she admitted but she said there was nothing she could do. I advised her that this is the second time that she has made this mistake and during the last mistake she even offered me a personal loan due to her error. I respectfully declined. My bank did a conference call and she also admitted to them that it was her fault however she said she had no way of reversing her error. She also admitted that she finally opted me out of auto debit ) which should have been done ). I spoke with her this morning and she advised her district manager said they are not refunding the fee or reversing the payment although it was her error.
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CA)

I noticed when you fill up on the page of Equifax https : //www.alerts.equifax.com/XXXX ) that the social security number is not masked. I believe that sensitive personal data like social numbers should be masked.
Consumer complaint received 2018-02-01
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: CITIZENS FINANCIAL GROUP, INC. (MD)

This inquiry was added to my XXXX credit report on XX/XX/2017. I've called the fraud department at XXXX XXXX for this inquiry and they have no record of my name in the system. I was transferred several times, and no one could find my name in their system. However, their company still shows up on my credit report. They " can't '' remove it because they have no data information on me. However, someone accessed my report and their name is listed on it. 7 months later, and the inquiry is still there and XXXX XXXX   is doing nothing to take care of the issue.
Consumer complaint received 2017-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

MyFedLoan Servicing is a poor company to deal with. This all took place within 3-4 months of XXXX-XXXX 2017. I had to re-certify my income payment and was first given an out of date application, which took a month to hear back from them. My second application was completed wrong and I never heard from them, when I called to check, I was told everything was being processed fine. I had to put my loan on forbearance for 2 months, accruing interest of over {$800.00} because of the job they did. After 3 months of going back and forth, I finally received my new payment amount and it is 3x 's as much as I paid last year.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (FL)

I have a credit card with this company and the due date for this card is the XXXX of each month. The closing statement date is the XXXX of each month. Meaning that what ever balance is on the account on the account closing statement date that is what is reported to the credit bureaus. I paid my bill in full and there was a XXXX dollar balance on my account on XX/XX/2022 and there was still a XXXX dollar balance on XX/XX/2022 which is the account closing statement date. A XXXX dollar balance is what should be reported to the credit bureaus but they are reporting charges to the account made after the closing statement date on XX/XX/2022. 
I have attached a copy of my credit card statement to prove my point.
Consumer complaint received 2022-08-10
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: CarMax, Inc. (TX)

CFPB LATE PAYMENT There seems to be an error on my consumer report furnished by XXXX XXXX XXXX and Carmax auto Fianance. On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX services and Carmax auto Fianance is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX services and Carmax auto Fianance attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX XXXX and Carmax auto Fianance has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Consumer complaint received 2021-08-13
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: EQUIFAX, INC. (IL)

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of a
ny debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.