davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WA)

I purchased XXXX ethereum ( a type of cryptocurrency ) from Coinbase on XXXX/XXXX/XXXX which was added to my account. On XXXX/XXXX/XXXX I purchased another XXXX ethereum, which was never added to my account. I tried to contact them on multiple platforms -- their website, email and twitter message ( which they actually recommend ). I have not heard from them at all and they 've since deleted my case on their support website.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MD)

American Express clawed back the reward points that they gave me XXXX year after I upgrade my card! I used my Amex XXXX previously and I received XXXX promotion last year and promise to give me XXXX reward points after I upgrade to Amex XXXX Preferred. I did receive the XXXX points after I upgraded it and I keep using it until XX/XX/XXXX this year. And it has been almost XXXX year ( few weeks left ). And I called the American Express Representative and asked if I can downgraded it back to Amex EveryDay after the upgrade cycle is fulfilled without affecting my account 's reward points. She said no worries, the downgrade would not affect. And I trusted her. They immediately downgrade my account. But my account was deducted XXXX reward points few days after I called. I doubt that they are trying to tempt me into this situation. I also called to complain about this and told them they made a mistake. I was planning to fulfill the upgrade term before the downgrade. They just said the terms are just there and the deduction is normal. The downgrade can not be reverted. They deduct the membership fees but did not give me the reward points. They won twice. I felt so disappointed on American Express and I just want to let others know how American Express treat their customers.
Consumer complaint received 2017-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

Every year I recertify my loans for income based repayments. This year, I filled out the form, as usual. The form is the same form that has been online with FedLoan. I submitted it promptly and received a rejection one month later. When I called to find out why, FedLoan said that the form I filled out was no longer the form they were using, despite the date in the top right hand corner stating that the form was valid. They told me to fill out a new form. I did this and submitted it. Again, a month or more later, they sent back a rejection saying that they did n't have my income taxes. I explained that they were already submitted. Six hours and multiple phone calls later, they admitted they did have the income taxes. I told them I was nervous with the processing time as my new payment that was not income based would take effect and that I could not afford to pay it. They told me there was nothing to be done and I would have to forbear if I could n't afford my payments until they processed the request. I explained that was n't fair as I submitted the correct information TWICE and they rejected it. I was forced to forebear for two months. Not only is the interest compounded, but I lost out on two months of loan forgiveness, causing me to have to work in the public sector for two months longer. I called to complain about this. Numerous transfers and promises that someone would call me back, they did not. It has been two months since they promised to call me back about the forbearance. I have made so many phone calls and waited for people to help. It has n't happened.
Consumer complaint received 2024-02-18
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. (GA)

XXXX XXXX XXXX XXXX  charged off a car loan account # XXXX According to the Fair Credit Reporting Act when a creditor has written the account off is close I did not receive 1099-C form from the creditor .They got a tax credit and I am not able to to report this as Income to the IRS and I should not has this debt on my credit profile .Please send me any forms and documentation that you have a right to report this as a debt if you can not please remove this from my credit report immediately
Consumer complaint received 2017-09-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MS)

XXXX XXXX IS REPORTING THAT I PAID 50 % OF THE BILL IN COLLECTION. THEY SOLD ME A HOT SPOT DEVICE WHICH DID NOT WORK. THEY AGREED THAT I PAY {$120.00} IN FULL TO SETTLE THIS DISPUTE AND THEY WOULD NOT FILE ON MY CREDIT REPORT. MY PAYMENT WAS AGREED UPON AND PAID TO XXXX XXXX IN GOOD FAITH.
Consumer complaint received 2017-09-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX IS REPORTING THAT I PAID 50 % OF THE BILL IN COLLECTION. THEY SOLD ME A HOT SPOT DEVICE WHICH DID NOT WORK. THEY AGREED THAT I PAY {$120.00} IN FULL TO SETTLE THIS DISPUTE AND THEY WOULD NOT FILE ON MY CREDIT REPORT. MY PAYMENT WAS AGREED UPON AND PAID TO XXXX XXXX IN GOOD FAITH.
Consumer complaint received 2017-09-13
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. (WA)

XXXX XXXX it was reported that Equifax leaked XXXX XXXX consumers ' records in their possession. I have not been told if I have been affected, and my data is possibly vulnerable.
Consumer complaint received 2017-09-12
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Receivables Performance Management, LLC (VA)

XXXX/XXXX/XXXX - started calling me at work about a debt that is not owed to XXXX XXXX. Told them to not call me again at this number. Called again today, XXXX/XXXX/XXXX, hung up on them. This bill is for {$470.00} and I do not owe it. A complaint about this billed was filed with the Better Business Bureau in XXXX XXXX. They sold this to a collection agency that is harassing me at work now.
Consumer complaint received 2017-09-13
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)

Equifax 's lax security caused my information to be stolen and leaked publicly, including my personal PII like SSN, DOB, Name and Address. Now I am a target for fraud and identity theft.
Consumer complaint received 2017-09-12
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. (TX)

Between XXXX XXXX and XXXX of XXXX, Equifax was hacked and released significant information about my credit history through negligence. My credit is now at risk due to the companies failure to adequately protect my private information and now I will be forced to pay for monitoring my credit in order to avoid having my identity and/or credit stolen.
Consumer complaint received 2021-05-21
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)

Called and submitted disputes online via mail directly and was told its a automated system after several attempts my reports remain affected violating my consumer Rights to accurate reporting
Consumer complaint received 2017-09-13
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. (GA)

I have been told my inquiry and all but one of my accounts were going removed due the branch and hacking there were unauthorized inquiry on my credit file.And old account they were not mine.I called three times spoke with someone they we delete them .They did but returned back a week later.They are adding address and names to account.I have fraud alert on my account in hopes the removed the inquiry and accounts and they said they would.I am so scared about my personal information and wish they will remove the inquiry and all disputes I have seen in to their company.I was told three times  and giving a confirmation that they will remove them.I did not get a letter stating why they keep adding and removing accounts and playing them back due the hack they are really tripping weekly.Please help resolve this .I didnt do any of them inquiry on my credit file and would like them removed
Consumer complaint received 2017-09-13
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. (KY)

As you know, Equifax credit reporting agency was hacked over a month ago and failed to notify me in a timely manner that my personal information had been stolen. 

I am now advised that I need to freeze my credit report at a fee of {$10.00} per reporting agency or subscribe to a credit monitoring service at $ XXXX year in order to protect my information from being used fraudulently. 

This is racketeering straight up. I am at no fault in this matter, and yet I am being asked to pay for financial protection services to the very same industry that created issue I know need protection from. 

I am unable to access Equifax to discuss the matter either on their web site or by phone. 

If ever there was a need for federal intervention to protect the rights of consumers, this is it.
Consumer complaint received 2019-03-04
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. (MD)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX CARD XXXX
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

An account with XXXX Was disputed and XXXX XXXX the account reappeared on my credit report after the dispute, investigation and deletion. Please see the attached documentation with verification of the deleted account XXXX XXXX, XXXX as well as a new credit report for XXXX XXXX, XXXX and the same is account is there. 

thank you
Consumer complaint received 2017-09-13
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. (WA)

This is regarding the Equifax hack. The options provided on the previous screen did not fit this problem. 

In regard to the Equifax hacking - which took well over a month to be reported by Equifax - I was under the impression ( as per TV reports ) that I should go to XXXX and enter my information there so that I could find out whether my information was compromised. I entered all the information and the final screen read that my information may have been compromised.
Now I read in other news reports that my having checked whether I 'm affected may have rendered me ineligible to join class actions lawsuits against Equifax and/or TrustedID. This is outrageous. This is evergreen data. I can not change my DOB or SSN. If Equifax compromises my information and partners with TrustedID and they make it look like I 'm only checking whether I 'm affected - all the while stripping me of my rights - then I hope the CFPB will bring suit and prevent these shenanigans. 

I have done nothing to compromise my information and I had no choice as to whether Equifax has my information in its database. This is outrageous. Please protect us consumers from this. 
These credit bureaus are not optional. Our info ends up there whether we want it there or not. If they can not guarantee our data 's safety then they should be liable when they allow it to be compromised.
Consumer complaint received 2021-11-17
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc. (OH)

I am in the middle of VA IRRRL refi with XXXX XXXX XXXX XXXX. 

I have a loan for an improvement on my home that is currently administered by BSI. They are requiring a subordination agreement and this is the only thing holding up the loan. They have been been work on this since early XXXX and they have made many mistakes and are dragging this process out an unreasonable amount of time. The loan with BSI does not appear on my credit report and was not recorded with the county court house. It took 2 months to get the point where they gave me a list of things needed to be done to start the subordination. 

Here are the issues : *Unresponsive to communications and requests to fix errors when sending my information to the wrong emails that don't exist. 

*Not being able to provide instructions for the subordination for 2 months. 

*Being dishonest about getting the wire transfer. I sent them a wire transfer of a {$350.00} fee on XX/XX/XXXX and they claim they didn't get it until XX/XX/XXXX. 

*Delaying the VA IRRRL process by 4 months so far.
Consumer complaint received 2015-10-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (NJ)

My mortgage loan was originally with XXXX Bank XXXX in XXXX NJ. XXXX Bank took over XXXX Bank in XXXX 2015. From XXXX to XXXX my statement reflected no payment coming off of principal. It changed from the XXXX Statement. In XXXX 2015 my mortgage was sold to Statebridge LLC. I have since made XXXX payments to them and they are no applying them and claiming I am delinquent because first they state they did not receive my XXXX payment from XXXX Bank and now they are claiming that I have a XXXX loan and have to pay the accrued interest. They will not return my phone calls that I leave and I have left XXXX messages with XXXX Bank and they will not return my calls either. I am trying to refinance my home and Statebridge will not give my new mortgage company a payoff and they have told me they are going to hold it against my credit. Even though I have sent them four months payments and it has not been late.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I found out recently that there was a problem with verifying my social security number when I wanted to cosign a student loan for my child. I dealt with the social security administration without success. 

After further investigation, I found out that I was reported as being XXXX  on XX/XX/XXXX 

I am trying to figure out : 1 ) who or which funeral home or which entity reported me as being XXXX over 2 years ago and 2 ) how to rectify this since I am well alive so far. 

Please offer some assistance, guidance on how to handle this issue. Thank you.
Consumer complaint received 2022-09-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

**THIS US NOT RESOLVED***Shellpoint took my unapplied funds of {$1600.00} and applied to my partial claim without my knowledge. I made that payment in XXXX for XXXX payment however I couldnt come up with the remaining. I called Shellpoint and was able to get one more month of forbearance and a partial claim. I asked my csr rep numerous times what happens to my money I already sent she advised it would remain in unapplied. Well the partial claim is filed and without my knowledge they took the money I had towards my mortgage payment. XXXX XXXX the rep is lying and I have asked for all the phone calls we discussed as they will not provide for me. I discussed this with her a number of times before I even decided to file a claim. I would never ever did this the point was to catch up on my bills. Not to use money I have towards a partial claim what would be the point. They are taking my money they did an error and needs it to fixed. My mortgage is paid in full but they arent applying it correctly. I want all the phone calls I discussed with her.
Consumer complaint received 2017-09-12
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. (UT)

Equifax has mishandled my information and did n't notify me of the illegal release of my personal information, I found out via social media. I had to go to their poorly made response site to verify that I was indeed a victim, and the whole ordeal has cost me several hours, soaking my time and money to deal with securing my credit profile. Additionally, their egregious negligence will continue to cost me time and money in the long term, as my most sensitive personal information has been illegally released and will likely take the rest of my life to monitor for fraudulent activity. 

This is an undue burden from a company I have never chosen to do business with ; they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (FL)

Ref : Acct ending in # XXXX  for a Discover Credit Card is issuing a collection that was original date as of XX/XX/2002. this accpunt is still reporting almost 16 years after the fact. This colcetion was chraged off by creditor over 15 years ago and is still being reported as derrogatory in my XXXX  credit report.

Discover is in full violation of the fair credit reporting act ( FCRA ) Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) as the time has elapsed for this item to continue on my credi and personal history. this is adversely and without merit affecting my excellent credit as of the last 10 years.

I need discover to remove this item as collection from my equifax history immediately and or be penalized by CFPB for violations of FCRA for the past 8 years of reporting eroneously stated information.
Consumer complaint received 2017-09-12
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. (NC)

I have XXXX ( XXXX ) tax liens listed on my credit file ( XXXX ) with XXXX and Equifax that DO NOT MEET the Enhanced Phase XXXX ( PII ) Personally Identifiable Information standards for XXXX XXXX XXXX. These PII standards as outlined by XXXX and available publicly on the CRA 's websites, specifically XXXX XXXX own site states that XXXX XXXX MUST Include : Full Name, Address, Social Security Number and/or Date of Birth. I have filed disputes with both XXXX XXXX Equifax and included documentation showing that these tax liens do not meet the PII standards and must be removed immediately from my files with them. The disputes came back as " XXXX ''??? The " Official '' Copies of the tax liens : DO NOT provide my FULL NAME, DO NOT provide my FULL SOCIAL SECURITY NUMBER, DO NOT provide A CORRECT ADDRESS and DO NOT provide my DATE OF BIRTH. Since the records DO NOT PROVIDE THIS DATA they must be removed from my credit file ( XXXX ) with XXXX and Equifax.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

In light of the hack of XXXX, I want to freeze my credit report accounts at the three main credit agencies. I was able to successfully freeze my credit reporting accounts online with two of the agencies ( XXXX and XXXX ).  However, when I entered the same information at the Experian website, I was informed that the freeze could not be put in place based on the information submitted. The companies should have consistent systems that allow for a freeze to be placed on an account online without having to go through the extensive process of sending information by mail. 

As an aside, the placing of a freeze on anyone 's accounts and the release of the freeze should be free as the data stored by the agencies is personal to the individual and should be controlled by the individual whose information is being distributed.
Consumer complaint received 2017-09-12
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. (CA)

In correspondence datedXX/XX/XXXX I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, this company is claiming that the items I disputed have been verified ACCURATE and CORRECT which is not true. The XXXX account is fraudulent sent XXXX a copy of my FTC AFFIDAVIT, NOTARIZED, a police report filed my XXXX and letters requesting the account to be removed and blocked. XXXX 's confirmed that they received all these documents lastXX/XX/XXXXand still is under investigation. So why claim that this item has been verified, correct and accurate??? Not removing this item is a direct violation of FCRA 605B. For the XXXX XXXX account, Sent them a debt validation request, same date. Instead of sending me validation documents, they sent me a collection letter asking me to pay an amount that has already been paid. THESE ARE VIOLATIONS of FCRA and FDCPA by the credit repositories and the creditors. My rights to fairly acquire credit has been taken away by these companies!