davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MA)

Detailed below, but the summary is that Coinbase sent me an email falsely stating a transaction had been cancelled when it hadn't been, which resulted in me incurring fees that I otherwise could have avoided, not to mention a fair amount of stress. Here 's what happened : On XX/XX/2020 I submitted a trade request to Coinbase to purchase bitcoin by funding with an ACH transfer from my bank. Due to an account number issue with the bank, the ACH transfer failed. On XX/XX/XXXX, I received an email from Coinbase saying the bitcoin purchase transaction had been cancelled. 

The following day I logged in to coinbase and discovered the website reported that the bitcoin purchase had not in fact been cancelled, I owed USD funds to cover the bitcoin purchase and that a 5-day clock had started ticking on the XXXX for me to resolve the missing USD funds or else my other currency possesions would be liquidated. I subsequently tried to contact Coinbase but was unable to get anyone to help me resolve the issue. I eventually had to wire funds into Coinbase rather than ACH because the clock didn't leave enough time left. 

Their customer service was terrible and I was never able to get anyone to identify what the problem was nor any indication from anyone that they would try to fix it.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

I paid what I was told was the payoff. Only to be bill again. 
I paid off 2 accounts at the same place on the same day. One shows on my credit zero balance but the other doesn't. 
On this same day I paid off many cards a still some will not zero out on my credit. I have gone through the process of fixing it and still no update. 
I also have hard inquiry from XXXX a company that only read one page of a 2 page application where my income was on the second page. They also will not get the information and correct their error or remove the hard inquiry. I have an excellent score this is not to better it. It is not fare what they are doing. Fare Credit Act not here.
Consumer complaint received 2021-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Made a payment to my credit card USAA credit card using my XXXX account and the payment went to an account and then in XXXX. My credit card account number ends in XXXX. The payment came out of my XXXX checking account on XX/XX/2021 for {$99.00} I have documents to show where the payment came from and where the payment went to. Payments me to my credit card does not have a transaction ID a {$99.00} payment {$100.00} payment.Payment posted four times twice with the transaction number and twice without transaction ID number
Consumer complaint received 2018-10-20
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL INC (CA)

This debt has already been paid via my federal tax returns being garnished for the past 15 years, as well as my paychecks being garnished. The initial debt was {$3000.00} for XXXX XXXX training. I am now XXXX years old and retired and this needs to stop!!!!
Consumer complaint received 2020-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I pulled my credit report to work on and clean up my credit and I noticed inquiries that were on my report that I didnt authorize. I contacted TransUnion credit bureau and I told them that I would like these items removed off of my credit report, they then told me that I had to call each company to have them send a letter for deletion. I had to XXXX the numbers based off the name of the company found on my credit report i called each company and they couldnt find a record of my name or anything because I didnt have an account with them. I called transunion back to let them know that and they still said they couldnt delete the inquiries. Some of these inquiries were for the same name on the same dates. Duplicates. 
1. XXXX  XXXX  Date of inquiry : XX/XX/2019 2. XXXX XXXX Date of inquiry : XX/XX/2019 3. XXXX  XXXX Date of inquiry : XX/XX/2019 4. XXXX Date of inquiry : XX/XX/2019 5. XXXX XXXX  date of inquiry : XX/XX/2019 6. XXXX Date of inquiry : XX/XX/2019 7. XXXX  XXXX  Date of inquiry : XX/XX/2019 8. XXXX  Date of inquiry : XX/XX/2019 9. XXXX  Date of inquiry : XX/XX/2019 10.XXXX  XXXX  Date of inquiry : XX/XX/2019
Consumer complaint received 2021-02-11
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. (MO)

XXXX XXXXXXXX is still showing that I have 5 late payments and Ive never been late with my card payments. This is against the law and needs to be corrected immediately. Its hindering me from obtaining credit.
Consumer complaint received 2023-03-10
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: SANTANDER HOLDINGS USA, INC. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights acct # XXXX 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions 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 any purpose
Consumer complaint received 2022-09-15
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. (TX)

In the month of XXXX, I submitted a request to have detrimental items removed off my credit report. My student loans were moved to another servicer and the delinquencies are reported twice on my credit report. This is causing a negative impact on my FICO score. Additionally, some of the reporting is not accurate. There are accounts reporting on my credit report that has been surpassed the 7 years of reporting. These accounts should not be furnished on my consumer report as they are in violation under 15 US code 168c-2 and USC 1681 sec 602A
Consumer complaint received 2022-11-19
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. (PA)

The Credit Bureaus never did the proper " investigation '' according to the FCRA The term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this.

Also, they have violated my rights even more in accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal. They also violated the law because according to 15 u.s.c 1681 section 602 A. States i have the right to privacy and 15 u.s.c 1681 section 604 A Section 2 states a agency can not furnish without my instructions. I didnt give nobody written instuctions.
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (OH)

Over 51 % of consumers responding are complaining about the misleading and difficult practices being used by Synchrony Bank in their attempts to obtain a Secured Amazon credit card. the following link has some of their comments. When is the CFPB going to investigate? - https : XXXX? XXXX & XXXX & XXXX & XXXX # reviews-filter-bar Sending letters to the company is not going to resolve the issue. Having the banking committee investigate their practices might. Are they making offers that possible? Are they not fairly offering credit or discriminating based protected classes? Thank you,
Consumer complaint received 2021-06-23
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I regard this matter with utmost seriousness. Should you fail to address my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I hereby request a thorough reexamination of the following information and ask for evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Should you be unable to provide such evidence, I demand the immediate removal of these items from my report.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

XX/XX/2020 i paid off a XXXX car loan XXXX i requested to have that loan updated because they still had i owed XXXX $ on it XX/XX/2020 they updated it XX/XX/XXXX they deleted it off my credit report and lied to XXXX XXXX XXXX XXXX and said i wanted to be removed thats the farthest thing from the truth. So that same day i cancelled my membership with Experian cuz im not paying XXXX $ a month for them to ruin my credit im trying to buy a house and they are trying to prevent this from happening. I have proof that XXXX XXXX XXXX XXXX HAS BEEN REPORTING THE PAID AUTOLOAN AS PAID OFF. But Experian refusing to put it back on.
Consumer complaint received 2020-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

XX/XX/2020 PayPal - negative {$4600.00} XX/XX/2020 Transfer P PayPal - negative {$4600.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$4600.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$4600.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 
XXXX XXXX
Consumer complaint received 2020-01-29
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: SYNCHRONY FINANCIAL (CA)

Theres an unknown credit agency by the name of SYNCB National Credit Cards/ Airlines , reporting to my XXXX XXXX account on XXXX  XXXX. Theres no amount shown but its making hard inquiries, one that dates XX/XX/XXXX and the other on XX/XX/XXXX that are negatively affecting my credit.
Consumer complaint received 2021-03-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have perfect payment history and a low balance on my mortgage. Because of this my mortgage is bought and sold on a regular basis. XXXX mortgage bought my mortgage but my payment went to the old company. I was in constant contact with XXXX XXXX and even made a double payment as I waited for my payment to be returned from the old company. XXXX XXXX advised me this happens often and nothing would be report negatively against me. Unfortunately they did not stay true to their word. Upon review of my entire credit report you will see I have perfect payment history on all of my accounts for over 10 years.
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (FL)

I am trying to Refinance through XXXX XXXX, my current loan company XXXX, Loan Care at Phone Customer Service:XXXX Will not answer and hangs up on you after 1 min 20 seconds, you call back and like they say later in the week and they do not answer. We have been trying to get a payoff amount so we can close on the new loan for 3 weeks and they will not respond with the information. They need to have their license revoked and they need to be shut down. This kind of negligence in a financial institution is un-nerving. If they dont provide loan payoff information in a timely manner can a person take legal action?
Consumer complaint received 2020-07-15
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. (TN)

I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.
Consumer complaint received 2020-07-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CHECK INTO CASH INC. (AL)

Got a installment loan due biweekly with Check into Cash for XXXX. Missed one payment due to being laid off for COVID 19 Paid the remaining balance due and also paid and extra {$200.00} to be ahead and was still charged another late payment the following week and there after on a current account. Called and the representative satiated that she would correct the issue on XX/XX/XXXX in XXXX they did the day thing continuously weekly.
Consumer complaint received 2018-07-28
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. (CA)

I received an alert from my credit monitoring service informing me that I have two accounts in collections on my credit report from two different payday loan agencies,. XXXX XXXX and XXXX XXXX XXXX. I contacted each of them and they both stated that these accounts were opened in 2013. Until know, I have not heard from them via mail, phone nor email. I have not opened either of these accounts but I do recall closing a bank account after discovering fraud after a move and losing a checkbook. I have filed a police report in my city and reported this incident to my bank,, I don't like the fact that I have not heard from these agencies to dispute but it appears on my credit report at a critical time as I am attempting to buy a house and it seemingly came out of nowhere. My credit score has dropped almost 70 points due to this.
Consumer complaint received 2021-06-23
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: AMERICAN EXPRESS COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXXXXXX XXXX sent me these two letters stating I contacted them to investigate fraud on two accounts that does not belong to me. I have requested that XXXX XXXX   remove these accounts from my CRs but XXXX  XXXX declined. XXXXXXXX XXXX was NOT contacted by me for any fraud claim. In my opinion this is another example of Law breaking by XXXX XXXX XXXX Transunion And XXXX in a attempt to verify a charge off that does not belong to me. In a recent letter XXXX XXXXk stated they were not contacting me anymore on my issue. They are still harassing me in an attempt to verify a debt that does not belong to me. I have NOT reached out to XXXX XXXX requesting assistance with fraud. I have reached out to XXXX  to remove these inaccurate unverified charge offs from my CRs. Please view the new scam that XXXX XXXX is using to verify a debt that is not mine. Accounts XXXX and XXXX dont even appear on the CRs being verified by the 3 CRAs
Consumer complaint received 2018-03-07
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. (FL)

I am a 100 % XXXX XXXX. My Federal Student Loans have been discharged due to my XXXX. None of these Federal Student Loans were ever late or in repayment status prior to my XXXX XXXX effective date of XX/XX/2013. 

During the administrative work with SSA and US Dept. of Education and XXXX to process my XXXX discharge the loans were placed in late payment status. XXXX sent me a letter to correct this with all 3 credit bureaus. 

I submitted the letter from XXXX to all 3 credit bureaus and all 3 have refused to remove any late payment reporting on these Federal Student Loans. I have disputed the accounts to no avail with all 3 credit bureaus.
Consumer complaint received 2021-03-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

Net Credit has violated Virginia 's Consumer Protection Law. The usury cap of 12 % applies to all consumer loans except for those made by licensed financed companies. Net Credit is not licensed in Virginia. The interest rate is set at 98 %. My loan was {$4400.00}. I have paid out {$6500.00} to this company. This company is still practicing lending in the state of Virginia, although it is illegal. This company has been emailing me every single day to continue making payments. They are preying on people who need help during desperate times and they need to be shut down. 

The company has reported late payments on my account since XX/XX/2020. I informed them that I had to take a leave of absence due to virtual learning for my children. They stated in an email that they would decrease my loan by 10 % if I set up a payment arrangement, but would not remove late payments that are damaging my credit. 

They want me to pay a remaining balance of {$2000.00} I need help.
Consumer complaint received 2018-03-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (AL)

I applied in XX/XX/XXXXafter receiving a mailer from the company. I was trying not to withdraw much, just enough to ease me between a long stretch. I am paid early inXX/XX/XXXX. and not again until XX/XX/XXXX. I guess I over-did it a bit during XX/XX/XXXX, but I was expecting help from my ex-husband who had promised. When I asked in XX/XX/XXXX., he said he could not help, so I ended up taking out the max. I have now paid them both my federal and my state refunds and still owe more than I borrowed. Every month I am charged $ 500-600 in interest and the principle keeps going up. I have paid in all the extra I am going to have this year, so I fear the principle and the interest climbing so high so fast. If they could just give me an installment loan to pay this off with, nomatter how high the interest, so that I could afford it and eventually it would be paid, instead of it just sitting there growing in spite of my paying all I can.
Consumer complaint received 2021-03-03
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: CITIBANK, N.A. (NY)

I had 17 credits on account for refunds owed to be by a merchant. these credits posted to my account between XX/XX/XXXX through XX/XX/XXXX. After the credits were adjusted, I have a credit balance of about {$29000.00}. when i requested my credit balance to be mailed back to me, i was advised all the credits were transferred over to my new account ending in XXXX. However, Citi is now telling me they can not access my account ending in XXXX and that they have no idea where my credit balance is.