davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (IL)

XX/XX/2022 Payment Made {$19000.00} XX/XX/2022 Payment Made {$19000.00} I had a total student loan at EdFinacial of {$39000.00}. I paid off {$19000.00} of this on XX/XX/2022 as a bulk payment. Then I made another payment of {$19000.00} of bulk payment on XX/XX/2022 and paid off my entire remaining student loan balance. 

On XX/XX/2022 I spoke to a representative at edfinancial and requested {$20000.00} of my balance get refunded back to me and the loan balance be reinstated at edfinancial so that I can apply for the One time Federal Student Loan Debt Relief for {$20000.00} for which applications have already launched. I cant apply until loan balance of {$20000.00} gets updated in edfinancial and XXXX It has been more than 1 month now and I have not received my refund of {$20000.00} and I do not see my balance updated for {$20000.00} on edfinancial and studentaid.gov Side Note : Also the XXXX XXXX  page at Login has misleading information provided by edfinancial which says " You will have to wait until the end of next year XXXX XXXX to submit the debt relief application '' XXXX XXXX is the deadline by which to apply for student debt relief application and this is contrary information which states one can only apply after XXXX XXXX. PLEASE ask them to correct this as this can be misleading information for all student borrowers.
Consumer complaint received 2022-05-25
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. (TX)

FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX Inquired on FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} SXXXX XXXX account. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1100.00} XXXX XXXX account. {$11.00} XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$1400.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$390.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$650.00} XXXX Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$440.00} XXXX Account charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$1100.00} written FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-02-09
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-05-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MI)

My name is XXXX XXXX XXXX, today is XX/XX/2022. Around the year XXXX I opened a Coinbase account and I used my drivers license to become approved for an account. I purchased crypto at the time, which was Litecoin ( LTC ) and some Bitcoin ( BTC ), I had around $ XXXX in my account with Coinbase. I ended up losing access to my account throughout the years due to losing my phone, and forgetting my account details. I could no longer get in my account. This year, XXXX, around the month of XXXX, I tried to get my account back with Coinbase and was unsuccessful. I contacted Coinbase support on their website, and had to go through re verification and submitting my drivers license to get my account back, which I eventually was able to log into my account. The issue though is that all of my money is gone, no assets are showing in my profile, and no transaction history is appearing on my account. I contacted Coinbase phone support on XX/XX/2022, and I spoke to a Coinbase rep on the phone named " XXXX '' she said there is no history of any transactions on my account, no assets showing, and no money in my account. This is impossible because when I first opened the Coinbase account and made purchases I never sold any crypto, I just left it all in my account. I made purchases of crypto at that time, which was Litecoin ( LTC ) and Bitcoin ( BTC ), and I had left over money in my account. If Coinbase goes based on a persons government identification to open an account, then all my account history, my money and my transactions should be available on my account.
Consumer complaint received 2022-08-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS Account Resolution is reporting an account on my credit report. I sent them a letter letting them know that I do not have past present or future business with them. I also asked them to sent me the agreement or contract if they feel otherwise. To this day they still have not provided those documents. It is very disheartening that ARS Account Resolution would not only ignore what i asked for but continue to report this account on my consumer report after being notified of my disagreement. I have a right to proof of this alleged debt they are attempting to collect.
Consumer complaint received 2022-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (GA)

For the better part of XXXX  days Wells Fargo bank tried to collect on a loan without standing. They had not issued a decision letter in the PPP process. They simply demanded payment. Please see case XXXX for reference. After a review, the abuses seem to be part of a pattern, ( See case XXXX ) I am not seeking my money to be returned other than the fees they inappropriately assessed.
Consumer complaint received 2022-02-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VT)

My private student loans are serviced through nelnet. I have two separate loans. I have tried to make extra principal payments to one loan, yet the company has a history of misapplying the payments. This has resulted in significant time trying to correct the issue, and I now am having to fight to have interest charges corrected. I am rather exasperated.
Consumer complaint received 2018-11-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (CA)

Santander consumer usa has knowingly entered into a contract with XXXX XXXX XXXX who has reported incomes, which was used to support my loan application submitted I have told them the income has to be incorrect and inflated. They have promised and investigation and has not came to any resolution on the fraudulent income reported which shows they are still up to their old tricks supporting these fraudulent actions. They have given a XXXX per month loan to a single XXXX mom with no job and an income of XXXX from XXXX XXXX with the department of XXXX XXXX. I thought I was going thorough the XXXX program which projects income WITH the PROMISE that in six months it would be lowered alot or I could get a hybrid which did not happen in six months. I later find out the XXXX program was over when i signed the contract and projected income was not permitted so I am in a fraudulent scam deal by the dealer and Santander.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting Act Account name XXXX XXXX XXXX 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 connot furnish an account without my written instruction.
Consumer complaint received 2022-02-09
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 attached the three credit burau reports. Advantage formally was named XXXX loan company. now they're named XXXX. XXXX would not release info to me about the allegedly missing 180-day payments .... then she got quiet and hung up on me. she was a supervisor as well. soooooo they know i have proof of the not missed payments due to me always being on forbearance, deferment or income driven plan due to my income due to XXXX and XXXX diagnosis. attached are the whole and i mean whole list of loans ive taken and thats been three of them. also the evidence shows going back from XXXX to XXXX.
Consumer complaint received 2022-08-24
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)

A Method of Verification Letter was sent and received by Experian on XX/XX/22. In my letter, I sent Experian a notice received from The Bankruptcy Clerk certifying that they " Do not report filings to credit agencies ''. This letter is attached to this complaint. Experian has on several on occasions admitted that even though the courts do not report bankruptcy records, CRA 's may use " Data Furnishers '' to obtain such information from PACER. In this case, the data furnisher is XXXX XXXX. I have obtained an updated consumer report from XXXX XXXX which clearly shows no bankruptcy record on file ( Please see full report attached ). According to XXXX XXXX, Experian could be using unverified and incomplete data from PACER to update and verify this record. However, PACER is a contestable database which does not qualify as a source to " Verify the Accuracy and Completeness '' of a record. In it's final results of my last investigation, Experian has stated that the company providing the information to them has certified the accuracy of this record. The dispute number is XXXX. Experian has not provided me the name and address of the company it claims has certified this record 's completeness and accuracy and therefore has violated FCRA 611 ( a ) ( 7 ) and FCRA 611 ( a ) ( 2 ) ( B ). Experian continues to report this unverified record on my consumer report causing financial damages. I am demanding the removal this record from my consumer report immediately. All personal identification information was sent in this dispute, therefore this can not be used as deterrence tactic. Experian is clearly refusing to obey federals requirements as it relates to disputes, and violating several laws.
Consumer complaint received 2022-04-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (PA)

My Coinbase Pro account was compromised on XX/XX/2021 when my cell phone number was given away and activated on another device not in my possession @ XXXX PM ( Thank you XXXX ) and the thief was able to conduct a password recovery process with my email via SMS ( also on the XXXX of XXXX ). Once my email was hacked they were able to initiate a password recovery process to my Coinbase XXXX account. They converted some of my current Crypto currency investments back to USD and then converted to XXXX ( XXXX ) before transferring out and off of the Coinbase exchange. Also, while in my account they initiated a withdrawal from my cash account ( local bank ) and via Coinbase policy, they were permitted to instantly convert or trade the cash equivalent of {$1000.00} instantly without having to wait for the transfer to finish. Upon recognizing the breach on XX/XX/XXXX, I successfully placed a stop payment on that transfer with my local bank. Now, Coinbase wants me to cover the funds they allowed to transfer off of their platform and hold me liable. Essentially I'm being asked to fund the criminal activity so the exchange doesn't lose money.
Consumer complaint received 2022-04-19
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: JPMORGAN CHASE & CO. (CA)

Im trying to update an account on my credit report to show an auto loan Ive been paying on is being reflected the amounts Im still paying and have being paying on is correct. I supplied the statement and payment history directly from the leinholder when I refinanced my vehicle loan to show the amounts as accurate
Consumer complaint received 2022-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (GA)

Robinhood XXXX took money out of my checking account on several occasions. They do not have a phone number listed to contact them to find out why these fraudulent unauthorized transactions keep happening. The company has access to my routing number and account number to submit the EFT. Fortunately my bank did a stop payment on the transactions. But this needs to be investigated and stopped. The name that appears the funds went into was XXXX XXXX. 
The amounts taken started small then went BIG. 
{$.00} cents XX/XX/2022 {$.00} cents XX/XX/2022 {$14000.00} XX/XX/2022 {$50.00} XX/XX/2022 {$60.00} XX/XX/2022 {$100.00} XX/XX/2022 {$100.00} XX/XX/2022 2022
Consumer complaint received 2022-08-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Received an email stating I authorized a transaction from XXXX to CoinBase Inc processes my order transaction I.D . XXXX Merchant https : //CoinBase.com/help Phone us to cancel XXXX ( XXXX ) XXXX XXXX Purchase amount {$790.00} USD You have 180 days from the date of the transaction to open a dispute in the Resolution Center. 

I did not call those numbers.. I have no idea what this is about. I have NEVER had any dealings or made any request from CoinBase Inc.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (PA)

It took citibank months to get my card to my house, I had to cancel 3 or 4 different cards with them cause they kept sending it who knows where. I repeatedly had to call and give my address which they continued to get wrong and refused to actually take any time to see why it wasn't getting to me. They kept blaming my post man. I finally fix that issue and just received my card this passed Friday, it is now Tuesday and I have received XXXX phone calls, about every XXXX hours, until I blocked the number. I am currently sick and it is painful to even have my eyes open, not to mention I simply don't have the money until Friday. If the employees were even relatively competent, I would have had the card long ago and had no problem making the payment on time. Now that they lost my card multiple times, the card is in an overdue status as I require the card number to open the online account. My bottom line being, they took forever to get my card here, there is absolutely no reason they should be harrasing like this to get a payment. They can wait a week for payment, not to mention no other company has ever harrased me like this for any reason.
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (NV)

On XX/XX/2022, My XXXX XXXX was compromised, and I had to payoff my Apple Card ( Golden Sacks ) account and close it because it was linked with my compromised XXXX XXXX. I was then told that I could apply for a new card using my new XXXXXXXX XXXX, so I did that. After multiple calls and miss leading information that multiple representatives provided me I was so upset and requested to withdraw the application on XX/XX/2022. Perhaps an hour after that I re-applied and patiently waited, and after 2 days the application was declined because of not being able to verify my identity. 

My identity was not compromised nor it changed and in both applications that I have applied they were declined because of not being able to verify my identity after providing twice a scanned copy of my drivers license as requested. 

When I called Golden Sacks I keep getting the run around and miss leading information. My concern now is that the first original account that was opened and approved with a {$4500.00} credit limit an unexperienced representative reported Fraud in the account and that is the reason why I am constantly getting declined. In addition, because I had to close the original account that was opened that is going to impact my Credit Bureau Reporting and drop my credit score. 

I have been miss lead, and bounced around by numerous agents and this is the worse customer service experience that I have ever had.
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services (CA)

Contacted sequoia financial in XXXX XXXX, ca to settle a debt. On the phone, the agent told me that if I pay XXXX $ they would decrease the amount from XXXX to XXXX including the XXXX $ and a payment plan of XXXX till I paid off about XXXX $ remaining. I agreeed, paid and asked for receipt but no receipt was sent as promised. They stalled for weeks sending me a contract stating that it will come and its just going through a process and that my credit report has been cleared of any debt from their company. On XXXX XXXX, I received the email that I wasnt able to read until XXXX, and it states the same amount of XXXX $ with no mention of the XXXX $ they have taken from me. I called them the next day. The woman who took my money told me that I am mistaken and that they are going to replay the recording. She raised her voice in annoyance stating that she will send me the receipt within the hour. She did not send the email receipt. Again. I contacted my bank to try to report fraud but they told me that it was a scam not fraud. I am left with no answers.
Consumer complaint received 2020-08-18
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. (CA)

I have no idea who XXXX XXXX XXXX  is, i have been fighthing with them to remove this from my report and they refuse to. tbom is past the status and should not be on there either.This is been going on way to long and i would like this taking care of ASAP ...
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

Starting on XX/XX/XXXX there were unauthorized charges on my account with Chime. I live in Texas and the charges made are in XXXX XXXX, NV. Below I will be listing dates and amounts. 

XXXX XXXX- {$26.00} XXXX XXXX XXXX- {$13.00} XXXX XXXX XXXX XXXX XXXX- {$14.00} XXXX XXXX- {$86.00} XXXX XXXX- {$200.00} XXXX XXXX- {$11.00} XXXX XXXX XXXX- {$120.00} XXXX XXXX XXXX- {$41.00} XXXX XXXX- {$11.00} XXXX XXXX- {$11.00} XXXX XXXX XXXX XXXX XXXX- {$17.00} XXXX XXXX XXXX XXXX XXXX {$21.00} XXXX XXXX XXXX- {$9.00} XXXX XXXX- {$24.00} XXXX XXXX- {$22.00} These are all the charges that I did not authorize and Chime will not help me. I disputed them all and a day later they denied my claim. I spoke with another supervisor who said I provided more evidence for my claim and they denied it again. I have yet to receive documents showing me why they declined my claim and every time I talk to someone they say it can take up to ten business days. Can someone please help me with this unlawful bank.
Consumer complaint received 2022-05-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (FL)

Optum Bank DBA Optum Financial is the XXXX of my Health Savings Account Case # XXXX I closed my Health Savings Account and requested my funds be deposited into my account. The account on file as closed, so the bank returned the deposit {$350.00}. For almost 2 months I have called and I have been told different things by different representatives. I was told that a check was mailed last month. I was told yesterday XX/XX/2022 that the XXXX would deposited into the account today XX/XX/2022. Nothing has happened. I still don't have my funds
Consumer complaint received 2022-02-08
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. (SC)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

My name is XXXX XXXX . I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS, INQUIRIES, AND INACCURATE ADDRESSES from my credit report immediately.
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: Experian Information Solutions Inc. (LA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX 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 a account without my written instructions