davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (FL)

I had invested a total of XXXX USD with Coinbase. Everything was good until about a month ago when I had some problems with my laptop. Among other information, I lost the authenticator app and the secret key for my account. That meant that I would have to be reauthorized by Coinbase.

So, I entered my username and password. Then I entered my cell number and they sent me a verification code. After I entered the code, I was prompted to either show an ID to my webcam or upload an ID. I chose to upload pictures of the front and back of my driver license. Then I was prompted to use my webcam to take a picture of myself. I did this and within about a minute or so, it came back with unable to verify.

I sent an email to Coinbase support which stated this problem. What transpired after this can be understood in a series of email replies back and forth, which I will include with this complaint. The bottom line is that at this point I almost feel as if I have lost the money I invested, because they now have been unresponsive.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (IL)

I had a American Express Card with a Credit limit of {$10000.00}. I had an excellent history with them, never missed a payment. Although I have not used their card not as much as I use my other card because of their high interest rate but it was helping me in a great deals to maintain my low ratio of my overall credit use. Instead of luring me use their card they have unfairly closed the account and this will tremendously effect credit use ratio. I this case I want Amex to reopen my account with same status before closing,
Consumer complaint received 2021-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

Ive ran my business through PayPal for over 6 years through the email XXXX. They wrongfully closed my account for what they claimed was violating their acceptable use policy. 

They said they would hold my money for 6 months and then give it back to me. At the end of XXXX I logged in and saw all the money was illegally taken. 

In addition, there are over 20+ websites that run the exact same business as me still using PayPal . The bottom line is they illegally stole my money and I wish to purse this in court if it is not return. 

{$40000.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.
Consumer complaint received 2018-03-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

I tried to get a new car XX/XX/XXXX and XX/XX/XXXX. Was informed the auto loan I have been paying on since XX/XX/XXXX has not went down and is actually more money then I originally leased for. I was financed for {$10000.00} with an interest of 23.81 % according to the documents I have. I have been paying {$280.00} -XXXX every month and now the total due is owe {$11000.00}. This car will never be paid and I discovered interest is accured daily at the 23.81 % rate. I spoke to a customer service agent who said the car is owed {$11000.00}. The car was a {$10000.00}. 

The company has over 1400 complaints online for the same issues. To add this, the company is reporting to the credit companies and it looks like I am making payments on a revovling account instead of a fixed loan. 

I have all the documents and credit reports. I will have to scan the additional documents.
Consumer complaint received 2020-09-08
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: CITIBANK, N.A. (CA)

My Best buy account was paid off in full. The XXXX statement said I owed {$370.00} and I sent in {$380.00} the next month it showed I owed {$28.00} late fee. I called up and they said it was in error and removed it. Two months latter I get a 30 Day late on my credit report. I have disputed it with all 3 bureaus but Best Buy refused to correct to reports. I called them direct and still no help. This account only had a minimum payment due of {$25.00} with no interest and I paid off in full. I have never had a 30 day late and had perfect credit till Best Buy improperly gave my account a late charge and then did not wave it as promised.
Consumer complaint received 2020-10-29
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: Byrider Franchising, LLC (OH)

After looking over my credit reports. I noticed there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). the following accounts are listed below : XXXX  XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATIONXXXX # XXXX, XXXX # XXXX XXXX XXXX & XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-02-01
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (IA)

Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with RMP LLC. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
Consumer complaint received 2021-01-08
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: EQUIFAX, INC. (LA)

Unverified Account Account Name : XXXX XXXX XXXX XXXX .Type : COLLECTION Date Opened XXXX Balance : { {$49.00} } and Unverified Account Name : XXXX XXXX XXXX COLLECTION Date Opened : XX/XX/2020 Balance : { {$100.00} } Please be advised I have requested validation over 30 days { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. HIPPA is the Health Insurance Portability and Accountability Act. This privacy rule mandates that personal medical information may not be shared unless there is permissible reason for doing so. HIPPA laws do not allow health care providers to share medical files without consent under a HIPPA release. HIPPA release only allows the sharing of medical files with other medical professionals, not 3rd party collectors. HIPPA extends to credit reporting agencies and collection agencies as well. XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2020-09-08
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. (FL)

I have disputed incorrect information to all three credit bureaus several times and they have not removed adverse information off of my credit report. I have called disputed online through XXXX XXXX as well as directly and they have not removed the incorrect information. I have asked for proof to verify in writing the debt that they keep reporting that is owed and I have not received any verification proof or documentation from the original creditor, the third party debt collector or the CRAs. I am requesting that all errors and incorrect information be removed from my report immediately according to the FCRA.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$510.00} XXXX XXXXBalance Owed : {$6800.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXXBalance Owed : {$1500.00} XXXXXXXX XXXXXXXX XXXXXXXXBalance Owed : {$420.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXXBalance Owed : {$500.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2021-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX, I experienced XXXX at XXXXXXXX XXXX XXXX. I contacted Chase to dispute my transaction for unused service with the XXXX business. The amount I was disputing for is {$48.00}. Chase customer service XXXX stand with XXXX  and refused to dispute the amount. In addition, XXXX told me she will transferring me to her supervisor but " none of the supervisor is available ''.
Consumer complaint received 2020-08-21
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D2 Management LLC (IA)

I took out a payday loan in 2018 that was not paid back entirely. I made payments on the debt but lost my job and unable to finish at that time. I had used a payment arrangement previously to pay back a loan when it became difficult. I was advised I could only do this once in a 12 month period so I would not be able to do it again when I lost my job a few months after that arrangement. The debt was sent to a collection agency. I did receive several voicemails about the debt but was never sent any written correspondence, nor do I answer unknown numbers. The agency was never identified in the voicemails and I do not call back companies that do not identify themselves as I get a ton of " robo-calls ''. The calls eventually stopped. 
Today I received a phone call from a " local '' number and answered as I am in the middle of a job hunt. I didn't want to miss a potential employer calling. The representative stated her name and asked " so I know who I am talking to, can you verify the last 4 of your social? '' I had to ask for her to identify the company which was D2 Management. I have never heard of this company. She did state that she was calling for XXXX XXXX XXXX and then stated the disclosure to this is an attempt to collect a debt, for collection agencies. She advised what the amount was, which was {$500.00}. During the conversation, I stated I had never received any correspondence that they were attempting to collect on this debt and that I have no idea who this company is. She said I could look the company up on the XXXX  site. I advised I was currently unemployed and could only make a small monthly payment of $ XXXX. The representative ( XXXX ) advised that the payment would have to be " approved '' since the debt is over 12 months old and would have to be an auto payment by credit or debit card. I declined this and advised once I received a letter in the mail verifying the debt and payment arrangement, I would send in payments by money order if required but I do not do automatic payments. XXXX told me that if I was worried about having my information that I could get a prepaid debit card but that mailed in payments could not be accepted. I asked again to have a letter sent in the mail verifying the information and again ( several times ) advised I was not going to set up an automatic payment but I would mail in payments. She told me at that point that " we are not going to send at letter since you won't set up an arrangement at this time. I am trying to help you but we have to have this arrangement set up, the debit or credit card on file before we send a letter. '' I informed her that the company is required to send a written notice of the debt and with the refusal not to do so, the conversation is over. ''
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (AR)

I recently contacted Target Credit Department to discuss my account ending in XXXX. It showed a charge off account in the amount of {$980.00}. I didn't know that an account that has been claimed as a loss was supposed to still have a balance. The customer service agent told me I could settle the account for {$320.00} and it would be off my credit. 

XX/XX/XXXX, my credit report shows Target updated my account with a balance owed of {$660.00}.
Consumer complaint received 2021-05-26
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. (MD)

My first letter to XXXX XXXX, and TransUnion was dated XX/XX/2021, and my second letter was dated XX/XX/2021. As of today, I still haven't received any response to either letter. 

XX/XX/XXXX, the letter was about the inquiries, and XX/XX/XXXX, the letter was about verifying the bankruptcies on my credit file. Nothing has been addressed by any of the companies.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am a secondary borrower for this mortgage loan. I co-signed with my sister. My sister filed XXXX XXXX Bankruptcy in 2016. This mortgage is under her bankruptcy. The mortgage will not stop reporting this account as delinquent on my credit report. I would like for them to stop reporting erroneous information. They are also utilizing bullying tactics
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IL)

I sent a deposit from Wells Fargo to XXXX XXXX XXXX via transfer and they deducted it from my account and never actually sent it. I sent XXXX {$.00} on XX/XX/21. 
It was never received even after the account was verified on their end.
Consumer complaint received 2020-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I'm very frustrated and highly upset. I've been trying to reach this bureau for their investigation results with no response. I've sent letter via certified mail dated XX/XX/2020, XX/XX/2020, and XX/XX/2020. It has been well over 60 days and this is not right. Please send the results of the investigation immediately!!!!!!
Consumer complaint received 2022-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I currently hold an FFEL loan which is serviced Navient. I began the process of consolidating the loan on StudentAid.gov ; however, the data furnished to the department of education is inaccurate. Interest rate on my loan is XXXX, whereas the data furnished by Navient to the Dept of Education says it is 4.88 %. The consolidated rate quoted by the department of education is 5 % which amounts to a substantial increase in my interest rate if I were to consolidate. I contacted Navient and they maintain their reporting excludes an autopay discount. This practice by Navient of reporting the higher interest rate prevents me and other borrowers from consolidating at a reasonable interest rate because the rounded-up blended rate quoted becomes much higher and discourages borrowers from taking sdvsntsnge of consolidation.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WI)

I have tried since XXXX to get the credit bureau to remove unauthorized inquiries made on my account. They refuse to remove inquiries, even after I've cited FCRA section 605 ( b ) that mandates they remove unauthorized inquiries. I've called, sent letters and still as of today XX/XX/2021 they refuse to remove unauthorized inquiries even though they have a fraud alert on my account. They are in violation of the FCRA. I've called every single creditor listed for inquiries and non of them have an application on file from me. I've gone to police and they state this is credit bureau who needs to fix, but they refuse. I'm well within my rights to sue at this point but just want it resolved
Consumer complaint received 2019-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (MS)

My old bank account, that I had to close for it was being robbed. I took my name off 3 years ago. The checks that someone has stolen dose have my name on it. But it is not my account. The Bank knows and will not pay debits on that account there has been quite a lot bad checks. So they are trying to commit electronic fraud .
Consumer complaint received 2021-02-26
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)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Ive had my capital one XXXX card for over 7 years, started with a {$300.00} credit line and since the date i opened the account i still have not received a credit line increase. Given i did have high balances i always paid my minimum balance on time since the account has been open. I believe this is not fair because the company advertises an automatic credit line increase every 6 months.