davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

Dear Sir or Madam, I am submitting a complaint claim to you because I have tried to contact Coinbase on several occasions via email with minimal help- this matter was never resolved and the company just stopped replying to my emails. This company Coinbase always replied by sending a automated email to my request. Currently the account I have with them I am unable to access it - the account states sorry we can not fetch your portfolio balance at this time... this message has been posted to my account for 6 months. I can not make any transactions. The sum should be {$500.00} last time I checked. 

The following dates are as follows of emailing Coinbase XX/XX/21, XX/XX/21,XX/XX/21,XX/XX/21,XX/XX/21,XX/XX/21,XX/XX/21,XX/XX/21
Consumer complaint received 2018-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (TN)

In XX/XX/2018 we bought a vehicle and used Ally as our loan company. In XXXX I made a call regarding overdraft charges from my bank due to the fact that one of Allys representatives informed me they would cancel auto-draft and they in fact never did. This resulted in {$70.00} of overdraft charges. It has been way over a month now of me calling multiple times and explaining the same story time and time again and being met with employees blaming me for the charges, blaming my bank, or telling me that it will be resolved in X time frame and nothing ever happening. I am sick of hearing different things every time I call and my issue never being resolved. I would never advise anyone to use this company and I wish I had never gotten involved with them in the first place.
Consumer complaint received 2019-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (GA)

InapreviouscomplaintwithSynchronyBank,theyrespondtomewiththesametacticstheyhavebeenusing.Asareply,theysendmeacopyofallthereportstheypulledoneachcreditaccountandthentriedtomakethisaboutthecreditbureausandtheyweresendingmethesereports.Ididn'trequestthecreditbureausendmeanyreportsandthebureausdon'tarbitrarilypullconsumerreportsandmailthemouttothem.

ThebottomlineisthatSynchronyBankisdoingsomethingthatshouldn'tbeoccurring.Nowtheyaretryingtoplacetheblameonthecreditbureau.Howbizarreofthiscompanytosendaresponselikethis.

Thecreditbureauisn'ttheonearbitrarilyreducingcreditlimits,harassingcustomers,andplacingfalseinformationoncreditreports.Iamdoingnothingbutpayingmybillsontimeanddon'twanttohavetoputupwiththismess.
Consumer complaint received 2018-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

Student loan with Navient increased from XXXX to XXXX after 11 years without any notice. 
Never recieved documents or disclosure on repayment loan. Paying every month, but they are reporting non payment to credit bureaus. Calls are met with insulting and rude people. 
On hold for long periods of time without anyone picking up the call. Takes days and hours to get unhelpful responses.,
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-06-21
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. (NC)

Demand sent to DELETE AND REMOVE Demand sent to DELETE AND REMOVE COMMENTS Demand sent to DELETE AND REMOVE INQUIRES Demand sent to DELETE AND REMOVE ACCOUNTS Demand sent to DELETE AND REMOVE UNAUTHORIZED INFORMATION Demand sent to DELETE AND REMOVE ALL NON PROVEN INFORMATION
Consumer complaint received 2019-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$940.00} WITH CREDIT AGENCIES AND ALSO SEND ME LETTERS I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF I AM NOT OBLIGATED TO PA FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
Consumer complaint received 2020-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Without prior notice Synchrony Bank closed all my established Credit Cards. 
XXXX XXXX XXXX XXXX XXXX, FL. XXXX Many of which I paid either in full when I used them, or paid more than the minimum payment more than twice a month. 

Many of my cards had less than 30 % utilization. All paid on time for years. 

The closure with balances negatively affected my credit score.  They CLOSED ALL without warning without a letter, without a valid reason telling me I was a risk because of something on my credit file and there is nothing negative after the Chapter XXXX that was discharged in XX/XX/2015, 5 yrs ago. 

- Paypal Master Card - Cheveron Gas Card - Chevron Visa Card - Ashley Furniture All this made my debt to available credit ratio go down negatively affecting my credit worthiness in violation of the TILA and FCRA. 

They appear to have done this to multiple customers and many of my on time accounts. 

this is not fair - I have worked hard to rebuild my credit and this will affect everything else since it brings down my debt/credit ratio.
Consumer complaint received 2022-09-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (IN)

Halstead FinanciaXXXX was not allow to text or call my cell phone for an account I have with their office. I told the rep XX/XX/2022 I don't give Halstead financial permission to text or call my phone. This company is sending me text messages. I didn't consent for Halstead to reach out to me via text.
Consumer complaint received 2022-11-26
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 (NJ)

My credit limit is {$500.00} only. I have requested for increase in limit for years. I have a very strong credit with XXXX XXXX score have never delayed a payment. Over the years I have opened a few new credit card accounts the other banks have over the period increased my limit to XXXX. Despite several requests, the bank has not increased the credit limit in line with my credit profile and they keep changing the reasons of decline.
Consumer complaint received 2022-10-15
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. (IA)

I will continue to report this until Equifax does something about it. You can not have a creditor report inaccurate information on someone's account. I gave you proof, and you ignored me. This is the XXXX time reporting the same XXXX account with inaccurate information. The date of delinquency was early XXXX, making the account over 7 years delinquent and, by law, needs to be deleted from my report. XXXX has ruled in my favor that XXXX was reporting inaccurate information and removed the account from my report. Equifax and XXXX have refused to do anything about it. There are so many differences between what Equifax and XXXX are reporting. According to Equifax, XXXX and XXXX, they are 100 % reporting everything correctly even after providing proof for years that they are not. Payment history is different on at least 14 months. The date of the last payment is different. The date account was closed is different. Please delete the account from my credit report immediately!! See attached files. XX/XX/XXXX Equifax 90 days late XXXX 120 days late XX/XX/XXXX Equifax 120 days late XXXX 90 days late XX/XX/XXXX Equifax 120 days late XXXX 90 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax 60 days late XXXX 30 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax 60 days late XXXX 90 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax on time XXXX 30 days late XX/XX/XXXX Equifax on time XXXX 30 days late XX/XX/XXXX Equifax on time XXXX 30 days late XX/XX/XXXX Equifax 60 days late XXXX 120 days late XX/XX/XXXX Equifax on time XXXX 30 days late Date of last payment. Equifax XX/XX/XXXX XXXX XXXX XXXX Date Account closed. Equifax XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-02
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: JPMORGAN CHASE & CO. (CA)

I'm writing to dispute the rebill amount of {$1000.00} as of XX/XX/2018 that has already been settled with the merchant. Until providing proof in writing of the Bill of Sale and Authorization for this unauthorized charge in 5 business days this charge is consider determined to be Void. As consumer will NOT BE HELD RESPONSIBLE for any mistakes from the Creditors or the Merchant. According to ( FCBA ) Fair Credit Billing Act, it is mandatory to comply with the disputed requested submit in a timely manner of 5 business days. Failed to comply will be determined as void, as I already bring this matter to the Federal Trade Commision and Consumer Finance Protection Bureau in regards to this unauthorized rebill charged. The dispute in favor of consumer request to the creditor is mandatory to comply by 304. Disclosure of fair credit billing rights, 305. Disclosure of billing contacts, 306. Billing practices, 161. Correction of billing errors, 162. Regulation of credit reports, 168. Prohibition of tie-in services, 170. Rights of credit card customers.
Consumer complaint received 2021-06-21
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. (NC)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (CO)

I replied to an email from the collection division of Affirm , Inc, and I told them that I never received the merchandise that ordered from them. Never received a response. So I disputed their little collection account on my XXXX credit report, and the proceeded to re-age my collection account so that it would spoils that I was currently late like 120 days in my payment. Thereby, causing my XXXX score to plummet. Fell XXXX points in less than XXXX hours.
Consumer complaint received 2021-10-16
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. (FL)

I was checking my credit report and i saw accounts which i don't recognize. I have never applied for these accounts. I believe that someone used my personal information and opened accounts on my name. I lost my wallet with all documents, so i believe that someone found it and used it.
Consumer complaint received 2022-08-02
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. (NV)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX and 60 days in XXXX XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 30 days late in XXXX XXXX, XX/XX/XXXX, and 60 days in XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX 30 days late in XX/XX/XXXX. 

XXXX. XXXX  XXXX Account Number : XXXX 30 days late on JXXXX XXXX, 60 days in XX/XX/XXXX, XXXX XXXX 90 days late in XXXX XXXX I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2018-10-02
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: WELLS FARGO & COMPANY (NY)

An account with WF/XXXX # XXXX was opened in my name in the year, XX/XX/XXXX. The account was sent to collections in the year XX/XX/XXXX. The 7 year statue of limitations has been exceeded yet WF/XXXX and the credit bureaus continue to allow this old 7+ year debt to remain on my personal credit bureau report. The creditor was actually allowed to reinstate in XX/XX/XXXX. This is a violation of my rights and since the collection was first reported more than 7 years ago, it should no longer display on my credit bureau reports.
Consumer complaint received 2019-06-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (MN)

Money Lion claims to be a financial services company but they charge members a XXXX monthly fee right now and refuse to cancel my membership and return money that is in my investment account until this loan is paid off. They claim it is in the payoff process what I dont understand is why it takes so long to pay this off. I requested payoff on the XXXX of XX/XX/2019, it was the weekend so they officially started the process on XX/XX/XXXX Tuesday, dont understand why it would not have started on Monday the XXXX. Money left my account to pay off the loan on the XXXX of XXXX today is the XXXX of XXXX and they are telling me that it will not finish the process till the XXXX of XXXX Tuesday. On top of that they pulled XXXX from my bank account on the XXXX to pay the membership fee. I have disputed this with my bank as fraud because on the XXXX I revoked my authorization in an email to them that they completely ignored and never responded to. I have an investment account with them also and they are telling me I can not get the money out of there till after this process, and that process even takes 7-10 business days. Really dont understand how they are allowed to operate in such an unprofessional manner and no care for the members.
Consumer complaint received 2021-06-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I am filing this complaint because Equifax, XXXX and XXXX ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2021-12-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (FL)

I had an account with Chime bank for the last XXXX years without a problem, last year I signed up for Chime 's secured credit card to help raise my credit score. I use my checking account to transfer money from my XXXX and use the credit card for bill pay. I haven't had any problems doing so over the last year. On XX/XX/XXXX I tried to log into my account and received a very small notification on the screen saying my account was closed and if I thought this was in error to contact XXXX. I thought this is surely a mistake since I wasn't notified in advance of my account closure and thought I'll try to log in tomorrow and see what happens. I tried XXXXhree days in a row before I sent an email to Chime. On XX/XX/XXXX I received an email stating my accounts had been closed for the following reasons : " Account does not comply with internal policies and. or the member agreement. '' no further explanation for how/why my account was not in compliance. In the same closure letter I was informed that if I had money in my account a check would be mailed to me within the next 30 days ( that's is insanity to have to wait that long for money that belongs to me!!! ) I was also informed I am not eligible for a refund of MY funds without any further explanation. On XX/XX/XXXX I sent an email and received a response that basically stated due to security reasons I have to email them from the email Chime has on file for me so they can assist me with my problem. I went ahead and sent an email from the email address they had on file the same day ( XX/XX/XXXX ) and still have not heard anything in response. I sent another email today ( XX/XX/XXXX ). I tried to call the customer services number but since my phone number is registered to my account I just get an automated response saying my account was closed and I need to email them for assistance.
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

equifax failed to remove the following from my credit report can youi please look into it XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX - Dispute this XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX
Consumer complaint received 2019-06-22
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)

XXXX, XXXX  and equifax completed investigations of 5 school loan accounts that are negative, credit destroying accounts.I disputed them as not mine.they are not mine ;, all 3 investigation summaries are attached.experian came back certified that they are mine.both XXXX and equifax verified that they are mine.THEY ARE NOT MINE! 
EITHER IT IS ID THEFT OR MORE LIKELY THE " UNEDUCATED '' DEPT OF EDUCATION 'S FAULT.I CALLED THEM AND THEY REFERRED ME TO THEIR COLLECTOR SAYING THEY HAVE NO INFORMATION.I UNDERSTAND I CAN SUE THE CREDIT BUREAUS FOR KEEPING FALSE INFORMATION ON MY REPORT AFTER INVESTIGATION WHICH I MAY PURSUE. 
I have attached the investigation paperwork from 31 days ago. 
I want them suppressed immediately, then permanently removed from my credit files and history.The community service Police of XXXX XXXX will be at my house shortly to take a police report and investigate.
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

m writing this complaint as my second complaint against both XXXX and Experian credit bureaus because I have noticed a incorrect fraudulent bankruptcy that is reporting on my credit file within their bureaus and I have asked for them to dispute the information and to ultimately remove this information from my credit report. I have been informed by both bureaus that they have received their information from XXXX XXXX and they claim that they have verify this information. I have been in contact with XXXX and have recently discovered that my file is frozen and has no information to report as well as they have not had an inquiry done by these credit bureaus. I am requesting that they eat mediately remove the chapter XXXX bankruptcy that is reporting on my credit files with in their bureaus immediately. Power of the federal credit reporting act this is a violation and it prevents me from furthering my credit score which I am entitled to do as a consumer, my information should be correct and report it correctly, I should not have to fight with these barrels for over six months to remove something fraudulently when there is already a police report in my file.