davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

I am an American who lives in California. While on vacation to visit my wife 's family in XXXX last summer, I mistakenly opened the Coinbase app on my phone ( I did not buy, trade, or buy any cryptocurrencies or do anything besides open the app ). This prompted Coinbase to send me an automated email on XX/XX/ telling me to send a photo of my driver 's license so that they could verify that I was a US resident. In XXXX I did so, along with a photo of my residential lease demonstrating my US residency. 

That was months ago. Since then, I have been told a handful of times by Coinbase customer service reps on the phone and online that my case has been " escalated. '' But no action has been taken and I'm still unable to access my funds, which I believe are now over {$2000.00}. It's been over five months now with no progress. I've also spent over 6 hours waiting on hold to try to talk to an employee, to largely to no avail. I would appreciate any help in this hugely frustrating situation. My case id is # XXXX. 

Thank you, XXXX
Consumer complaint received 2018-01-29
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. (NY)

as a result of fraudulent actions i have 11 inquiries that i did not apply for when i asked the companies in question i was told to contact the credit agencies when i did so they told me to go back to the creditors at this point i need these fraudulent inquiries removed they are not connected to any accounts on my file. 
1..XXXX XX/XX/XXXX 2.XXXX  XXXX XXXX  XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XXXX XX/XX/XXXX 7XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XX/XX/XXXX 10.XXXX XX/XX/XXXX 11XXXX XX/XX/XXXX
Consumer complaint received 2018-01-29
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. (NY)

as a result of fraudulent actions i have 11 inquiries that i did not apply for when i asked the companies in question i was told to contact the credit agencies when i did so they told me to go back to the creditors at this point i need these fraudulent inquiries removed they are not connected to any accounts on my file. 
1..XXXX XX/XX/XXXX 2.XXXX  XXXX XXXX XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XXXX XX/XX/XXXX 7XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX 9.XXXX  XX/XX/XXXX 10.XXXX  XX/XX/XXXX 11XXXX XX/XX/XXXX
Consumer complaint received 2018-01-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Executive Financial Consultants, Inc (MO)

Today, I received the second call from Executive Financial Consultants regarding a debt they were attempting to collect from an exam I had back in XX/XX/. 
I told the collector, a young woman, that I had paperwork explaining my coverage, as well as paperwork from my insurance company that my exam was fully covered and no bill was due. I asked how I was to go about disputing this debt. The collector was extremely rude, so I asked to speak with a supervisor who would be more helpful and less condescending. The collector rambled off something even more derogatory and put me on hold. Eventually, a recording came on and said my conversation would be recorded. Then, a man got on the line saying he was a supervisor. I explained the events that occurred and that I was looking to resolve this collection issue. The man began to argue with me and said the only way to resolve my debt is to set-up a payment plan with Executive Financial Consultants. I told him I had paperwork that I want to turn-in, which said I was covered by my insurance and asked how he suggest I go about disputing the collection from my medical exam back in XX/XX/. Again, the man began to argue with me and did not offer any kind of route to help me resolve this problem. When he finished what he was saying, I told him " thank you for calling, but I'm going to contact my insurance about the issue and try to get it resolved some other way since they weren't allowing me to dispute it with Executive Financial Consultants. '' The man then replied " WHATEVER, '' and hung up on me. 
Perhaps customer service isn't part of their job at Executive Financial Consultants, but there's no reason these people should be so nasty. At the end of the day, aren't we all on the same team? Let 's help each other, instead of attacking one another. 
I would like something to be done about the attitude of the people who work for and represent Executive Financial Consultants.
Consumer complaint received 2018-01-29
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: SYNCHRONY FINANCIAL (MN)

I paid off the balance and I don't know when and why another charges were applied to the account. immediately I saw it on my credit report, I decided to totally dispute because the monthly payment is {$1.00}. This is crazy and I can't believe that it should be reported to my credit in the first place. had it been that I know I would have called the bank. I never make payment late and I can never be late for just $ 1 monthly payment. The name that is reporting late is XXXX
Consumer complaint received 2018-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I paid off the balance and I don't know when and why another charges were applied to the account. immediately I saw it on my credit report, I decided to totally dispute because the monthly payment is {$1.00}. This is crazy and I can't believe that it should be reported to my credit in the first place. had it been that I know I would have called the bank. I never make payment late and I can never be late for just $ XXXX monthly payment. The name that is reporting late is XXXX/XXXX/XXXX
Consumer complaint received 2018-01-29
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NH)

I cosigned a student loan thru XXXX XXXX for my daughter XXXX XXXX and 2 years ago she defaulted on the loan and it was sent to XXXX XXXX XXXX. My daughter has been paying to the debt collection agency but missed a payment in XX/XX/XXXX and she called Mercantile on XX/XX/XXXX because she hadn't gotten a check from her work. Subsequently she called and left a message that they could resume debiting her account for the missed payment. I don't know what happened after that but I was told by XXXX that she missed the payment in XXXX and XXXX was not paid. On XX/XX/XXXX I went to check my checking account which is thru XXXX and XXXX had been taken out of my checking and XXXX? out of my savings on XX/XX/XXXX to settle one of the owed amounts. I called the bank thinking I had been hacked and that is when i found out about a closed account from XX/XX/XXXXand was given the number of the account and was told to go to the branch. I went and that is when I found out what it was about and that all of my money was gone. I never received a phone call or a letter about the missed payments. I am currently paying 3 of my daughter 's loans thru XXXX and have never missed a payment. My daughter has her own bank account but not thru XXXX  and she had {$6000.00} in her savings but instead of going after her they decided without any communication to garnish my checking and savings. I am currently unemployed as my entire department was eliminated in XXXX and this presents as a financial burden for me. Subsequently, I received a letter ( attached ) dated XX/XX/XXXX on XX/XX/XXXX of her still outstanding balance on her other loan that Mercantile has seen sent to a law agency. On the letter it distinctly says that " we have not been retained to file a law suit ''. They never sent a letter concerning the XXXX? and per Section 809 of the Fair Debt Collections Practice Act, the agency must give me 30 days written notice after which they can file a lawsuit and only after winning a judgement can they garnish my account.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I wish I knew what has happened. I was recently denied a loan due to excessive inquiries ( my score is around XXXX XXXX. I did just recently purchase a new vehicle and knew I would have a couple of inquiries but I was told by the loan XXXX that I have over XXXX hard hits in my credit. I called the car dealer and he assured me I only was sent out to XXXX banks. I am getting letters in the mail about loans that I have n't even applied for. When I tried to pull my credit report to review these items so I could dispute them, I ca n't pull my report. After checking into this, I am evidentially XXXX of the XXXX XXXX affected by the recent information hack at equifax. So I ca n't even check my own credit to dispute the illegitimate inquiries. I do n't know if my personal information has been compromised or if a dishonest dealer hammered my credit. But they should have told me. I would like to see these items removed because the high number is impacting my score by around XXXX points, and as a business owner this is critics. Thank you.
Consumer complaint received 2018-01-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BBVA FINANCIAL CORPORATION (CA)

I sent 2 certified letters to XXXX, XXXX, XXXX and XXXX asking them to VALIDATED this account ( not a verification ) and send a copy of original documents that has my Wet Seal Signature on it with Certified Copies of the TRUE BILL ( not a statement ) I was informed that this did not apply to them and they didn't have to VALIDATED or do anything amd they closed the case without sending the Proof that the account was in fact VALIDATED etc. I requested information and it was disputed and refused NOW I DEMAND THAT THIS ACCOUNT BE VALIDATED WITH EVERTHING ELSE I HAVE STATED ABOVE and i be sent proof ASAP or in 15 days as allowed this needs to ne sent ny email XXXX and by mail XXXX XXXX XXXX XXXX XXXXXXXX XXXX California XXXX demand they send proof to me ASAP by mail and email of te results or I demand the account be removed ASAP
Consumer complaint received 2018-01-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Bread Financial Holdings, Inc. (PA)

On or around the XX/XX/XXXX PayPal chose to close my paypal credit account and effectively shut me out of all access to include statement and terms as well as access to timelines in relationship to 6month same as cash promotional offers. These offers timelines are important since they need to be paid at a specific time to avoid future finance charges. 
My paypal account was opened XX/XX/XXXX and has always been paid as agreed. I received numerous credit increases over the past year. PayPal took it upon themselves to shut my account with no warning. After speaking with various staff memebers I was informed it was due to a bankruptcy filed and XXXX in XX/XX/XXXX. The account was opened in XX/XX/XXXX. The bankruptcy was public information though they claim they where not aware.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-02-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NJ)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. Also waited the 180 got the email saying my funds are available but still i hace call and they just keep giving me the run around My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2018-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (LA)

As of summer of XXXX, 21st Mortgage representatives began to verbally harass my wife and myself. They are very rude and disconcerning over the phone. I gave them specific instructions not to speak with my wife ever if they could not hold a civil conversation with her concerning our mortgage. After that, the mortgage company started to call me three times a day. Everyday. On XX/XX/XXXX, I was being verbally abused and bullied over the phone by not one but two representatives. Verbatim, one of those reps said '' I was unappreciative of the XXXX XXXX dollars they gave me for the mortgage! ". 
The abusive nature of this company has got to stop. We are not the only consumers going through this with this particular mortgage company.
Consumer complaint received 2019-03-06
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. (MN)

I have an auto loan with XXXX XXXX XXXX XXXX XXXX. My XXXX XXXX payment is showing as 30+ days past due and is negatively impacting all 3 credit bureaus. I've had loans deny and my credit card limits are being decreased because they randomly " soft pull my credit score ''. I've disputed the transactions numerous of times and directly talked to XXXX XXXX XXXX. XXXX XXXX is informing me that they are notifying all credit bureaus that my XXXX 's payment is current and was not 30 days past due. However, when I talked to all 3 credit reporting agencies, they tell me when the send the dispute for XXXX, XXXX XXXX is saying I was 30+ days late and they will not update my credit report. I have worked extremely hard to repair my credit and I feel I'm being treated unfairly. I don't know who's marking the XXXX 's payment as late but I'm sending my receipts as proof. Each time the submission was sent to the credit bureaus, I included a copy of my receipt but they told me they can't take my word and can only rely on what the lender is sending. 

I even told XXXX XXXX that credit bureau is saying they are marking XXXX was current but when the send the tape, it's showing late for XXXX.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

I have an auto loan with XXXX XXXX XXXX XXXX XXXX. My XX/XX/XXXX payment is showing as 30+ days past due and is negatively impacting all 3 credit bureaus. I've had loans deny and my credit card limits are being decreased because they randomly " soft pull my credit score ''. I've disputed the transactions numerous of times and directly talked to XXXX XXXX XXXX. XXXX XXXX is informing me that they are notifying all credit bureaus that my XX/XX/XXXX payment is current and was not 30 days past due. However, when I talked to all 3 credit reporting agencies, they tell me when the send the dispute for XX/XX/XXXX, XXXX XXXX is saying I was 30+ days late and they will not update my credit report. I have worked extremely hard to repair my credit and I feel I'm being treated unfairly. I don't know who's marking the XX/XX/XXXX  payment as late but I'm sending my receipts as proof. Each time the submission was sent to the credit bureaus, I included a copy of my receipt but they told me they can't take my word and can only rely on what the lender is sending. 

I even told XXXX XXXX that credit bureau is saying they are marking XX/XX/XXXX was current but when the send the tape, it's showing late for XX/XX/XXXX.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.
Consumer complaint received 2018-01-29
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (IN)

I currently home school my daughter through an online virtual school. Wells Fargo repeatedly calls during school hours, despite my complaints that they're interrupting my daughter 's school day. This is the same as harassing someone at work. 

Wells Fargo is extremely rude and offensive. On XX/XX/18, they falsely accused me of abandoning the property, then told me that's the only " reality '' that exists when I tried to explain that was false. Attacking my perception of " reality '' is a highly abusive, manipulative tactic, even as absurd as they sound. 

This is a delicate, unfair situation of a divorce involving XXXX XXXX, XXXX XXXX, and a state child support system that is 47 weeks behind on my child support and household maintenance payments. Wells Fargo has been made aware of the statewide crisis in support payments. 

Wells Fargo has repeatedly told me that without my own job/income, they can't provide a workout plan, when the judge has ordered both child support and household maintenance due to being out of the workforce for 12 years, giving me the chance to return to school and/or obtain specialized career training. 

This is clearly discrimination against women. The home is in my name only, and I'm 22 years into a 30 year mortgage. There are no property disputes in the divorce.
Consumer complaint received 2018-01-29
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. (MN)

I paid off the balance and I don't know when and why another charges were applied to the account. immediately I saw it on my credit report, I decided to totally dispute because the monthly payment is {$1.00}. This is crazy and I can't believe that it should be reported to my credit in the first place. had it been that I know I would have called the bank. I never make payment late and I can never be late for just $ XXXX monthly payment. The name that is reporting late is XXXX
Consumer complaint received 2021-09-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (DC)

Sallie Mae and Navient failed to inform me of changes to the ownership and servicer of my XXXX federal student loans ( and apparently deactivated my automatic payments thereon ), thereby preventing me from continuing to make timely monthly payments on those loans, despite my repeated efforts to do so. Please see the attached letter for more information.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: KEYCORP (IL)

I reported fraud in XXXX, 2020. My new card took 1 month to arrive SINCE THEN NONE OF MY DIRECT DEPOSITS HAVE GONE THROUGH-THIS IS MONTHS. KEY BANK IS STEALING MONEY FROM THE UNEMPLOYED. I SET UP DIRECT DEPOSIT TO ANOTHER BANK BUT IT IS NOT GOING TO THAT OTHER BANK. HELP. HELP.
Consumer complaint received 2019-10-30
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Thunderbird Collection Specialists, Inc. (AZ)

on XX/XX/2019 i was called by some of my friends regarding a phone call they received from a debt collector named XXXX XXXX from Thunderbird collections. They told me this person reached out to them asking them to have me call him regarding a personnel business matter and he asked them if i am working and if so whats the name of my company. now my wife and i have spoken to him on a few occasions and we asked him for the proper documentation regarding his licence to be a debt collector in Arizona which he dose not have as its based out of California as well as other documents regarding the debt which we did receive. since our calls with him we have sent payments to the company on a payment plan however i do not know why XXXX XXXX is still pushing the way he is.