davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GREAT LAKES (FL)

XXXX XXXX, XXXX, XXXX and Greatlakes reporting loan payments 60-120 days late when I provide to the credit bureau proof I was in school XXXX and completed the documents to correct with each servicer. I have even filed a complaint with the omb office and no results.
Consumer complaint received 2017-10-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A. (MI)

XX/XX/XXXX cbna sears XXXX oh XXXX phone XXXX credit card i never put in this fraud idenity thieft another one XX/XX/XXXX XXXX XXXX XXXX nd XXXX XXXX phone XXXX XXXX loan from them i never put in for this fraud idenity thieft.
Consumer complaint received 2017-10-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TN)

I am currently having difficulty with Navient private loans. My co signer passed away from XXXX in XX/XX/XXXX and I have been unemployed. I never received any confirmation on adding a new co signer or help with the loan only to make payments of {$300.00} or go into default and be sued.
Consumer complaint received 2017-10-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

XXXX XXXX collection agency contacted me to discuss a claim in reference to my daughters XXXX XXXX XXXX XXXXXXXX I advised them that I was working with dental office and my insurance carrier that the is a dispute between my surgical plan and my dental plan. I advised that they are both pointing the fingers at each other. my company HR representative is also working on it. this is not my fault, its a insurance issue. As of XXXX XXXX, 2017,  theres a 180-day waiting period before unpaid medical debts can show up on consumerss credit reports giving me and my insurance carriers sufficient time to investigate the representative from agency was rude and told me they were going to sue me. 

all 3 bureaus have placed on my report
Consumer complaint received 2020-12-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

I opened an account with Coinbase on XX/XX/2020. My account is verified ( see attached email ). Despite me having many emails and bank statements confirming my purchase of various crypto, none of coinbase confirmations contain my account number. I find this concerning and question the reasoning for this lack of basic account information in the event of a hack, how would they know how much was stolen and to whoms account? This basic information should be provided on each confirmation of crypto purchase. 

On XX/XX/2020, I attempted to get into my account. I was met with the following message : " Sorry your account is temporarily disabled '', Please contact support ( see attached ). 

Yet, they provide NO contact information! They lock you out, period. This Company have a very very very bad reputation, which unfortunately I became aware of after the fact, and have been reprimanded by the SEC for exactly the same kind of shady business culture. Many people I know are dealing with the same shady interference by Coinbase. I believe they are keeping our funds and skimming of the interest. An investigation into this companys business practices is warranted. Just go on XXXX, and the internet and you will see ALL the account holders dealing with the same issue, and coinbase refusing to contact them. Some people end up walking away because coninbase ignore all requests. It is disgusting that this company ahs been able to do this for so long. 
I contacted coinbase on XXXX, as their website do not provide any links to contact support. 

It quickly become clear, that coinbase had absolutely no intentions of trying to fix their issue. The rep was arrogant and rude. When I asked questions that required transparency, he was unable to, or chose not to answer. He lied, telling me 2 different reasons ; 1 ) A glitch, then 1 minute later changed it to Malware. I then asked him, are you telling me coinbase is not secure, he ignored me, this after telling me to calm down, as I was and remain angry that I am unable to manage MY account with MY crypto. I will hold these XXXX  responsible ( it is their incompetence ) if I lose money, be it due to an increase or decrease in the cryptos value. It has been 3 days already, and they have done nothing, no status update, nothing. As you know, time is of the essence when dealing with crypto currency investments This shady company is costing me money. I need to be able to manage my account and various investments. They don't care, they play games with our investments. Either ay, they will cause me to loose money such is the Crypto investment if you fail to keep up on it/unable to manage it. 

Please find out what is really going on with this company, because it is not right what they are doing to many many accounts. 

XXXX XXXX.
Consumer complaint received 2020-10-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Results Unlimited, Inc. (VA)

Results Unlimited of XXXX  XXXX, VA, Attempted to take EXEMPT funds from my XXXX pension from XXXX. 
Tried to collect wrong amount $ XXXX, and put a lien on my XXXX XXXX account, denying my access to my pension!!
Consumer complaint received 2017-10-29
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. (NV)

I have requested that all inquiries be removed during my dispute, as I have not applied for any open lines of credit outside of XXXX XXXX and XXXX XXXX, nor have I tried to get a me car loan
Consumer complaint received 2017-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (CA)

I have a hard inquiry on my account for a card from Barclays Bank that I never applied for. it is on my credit report and it 's hurting my chances fro certain things.
Consumer complaint received 2017-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (MD)

I have contacted this company on 3 different occasions and they are being grossly negligent. I have requested that they provide me with sufficient information according to policies and consent form that they provided me with. This company continually states I owe for a medical bill in the amount of {$300.00} for date of service XXXX/XXXX/12 for an alleged Patient First Visit. This company provided me a policy that stated I would be responsible for any remaining balance that the insurance did not cover. To the best of my knowledge my insurance did and would have covered any medical visits that I attended within policy benefits of course. I requested that this company provide me with the denial they received from the insurance company that would then allow them to pass this balance on to me as stated in the consent to treat from they provided to date they have not! The consent to treat from does NOT state that I would have to pay a balance if the insurance did not pay more than the billed amount and only paid the customary. I am not sure of this balance and this company has done absolutely nothing to help me resolve this matter!
Consumer complaint received 2023-02-11
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. (MI)

So, I sent XXXX letters out on XX/XX/2022. Here are my tracking numbers. 
XXXX # XXXX, XXXX # XXXX, Equifax # XXXX. To remove personal information, I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also, according to 15 USC 6802 no financial institution is not suppose to share my information to third party people these are clear violations of my federally protected consumer rights.
Consumer complaint received 2017-10-25
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: JPMORGAN CHASE & CO. (PA)

My mother XXXX XXXX in XXXX, and we have found that several credit cards were opened in my name DOB and SS number. I have been trying to get these cards taken off my credit report for identity theft with no success. I have sent an ID theft affidavit to them as well as other companies. Several companies have closed the account and taken off of my report.
Consumer complaint received 2020-04-25
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. (OH)

XXXX  XXXX XXXX XXXX Account Opened XX/XX/XXXX Balanced Owed {$1600.00} Account Number # XXXX XXXX  XXXX Account Opened XX/XX/XXXX Balanced Owed {$430.00} Account # XXXX These accounts do not belong to me, and I have tried to dispute them. 


These inquires below do not belong to me either XX/XX/XXXX XXXX  XXXX  XXXX XXXX   XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX  XXXX  XX/XX/XXXX XXXX   XXXX   XXXX XXXX/XXXX
Consumer complaint received 2020-04-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (CA)

On XXXX XXXX, 2020, I purchased an open-loop visa gift card from XXXX 's grocery store. The Visa gift card is issued by US Bank National Association. The card failed activation and appeared to be tampered with. When I called to report the card tampered, I was told that funds would be frozen and a new card issued to me. The new, personalized replacement card arrived on XXXX XXXX, 2020. When the new card arrived, the balance in the XXXX stated " your balance is XXXX dollars. '' I checked the card activity and purchases were made 100+ miles from my home on XXXX XXXX, 2020. The card had been tampered with, and someone who gained unauthorized access to the card drained the funds that were supposed to have been frozen by US Bank. 

I have called the phone number on the card at least 25 times. I have received a pick up from a human being to assist with this problem only twice. Both times, the system automatically hung up on me either during " transfer to the appropriate department '' or while the CSR was speaking to me. In both cases, the time holding before a human picked up the line was 6 minutes or more. In at least 5 cases, I have been on hold for 5-10 minutes only to be hung up on by the system. On at least 10 occasions, I have had what seemed like someone pick up on the other end of the line, but I can not hear anyone speaking -- just a static sound as if I were listening to someone's cell phone inside their pockets. 

US Bank irresponsibly failed to freeze the funds on my card when it was reported, and now it is impossible to speak with someone to put in a dispute for the funds to be returned. As a result, I am seeking help from the CFPB.
Consumer complaint received 2021-01-20
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. (TN)

On XX/XX/XXXX at XXXX XXXX Equifax Credit Reporting Agency received my 2nd letter by certified mail requesting verification of accounts on my credit report. I have not received a written response nor is it reporting disputed on all accounts that I've disputed on my credit report. Under the Fair Credit Reporting Act. Section 611 ( a ) ( 1 ) ( A ) the credit reporting agency has thirty ( 30 ) calendar days to complete an investigation. I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the attached unverified accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act, specifically 15 USC sections 1681i ( d ) and 1681j, requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. As of XX/XX/XXXX there are requested unverified accounts that are still reporting on my credit file which is well over 30 days from my very first certified letter ... Included in the dispute I stated to Equifax CRA to update/correct my personal information on my credit file, with the correct information that was given. and to please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate ... My personal information was not completely updated as requested in attached letter. The letter was enclosed with the proper identification documents to update my personal information.
Consumer complaint received 2020-10-08
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. (FL)

Every one of these accounts and transactions Im disputing were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. After getting out of the XXXX from a XXXX  XXXX scare then seeing all these fraudulent accounts on my credit has increased my XXXX level tremendously.
Consumer complaint received 2020-04-30
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 have been a victim of identity theft for several months. Each month I get a credit report now to ensure that everything is correct and accurate. In XX/XX/2020 I received all three credit reports and there were several fraudulent information. I sent a package to all three credit agencies stating what information was fraudulent. In XX/XX/2020 I received a new copy of all three credit reports and some of the old information was still on the reports plus there was a new account. I sent all three credit agencies a new package listing all of the information that was being reported incorrectly and that was fraudulent. I have not received my XX/XX/2020 report as of yet but from what I can see on the agencies website the information is still on my report and nothing has been done to remove it. I have attached a copy of both packages I sent in XXXX and XXXX, a copy of my driver 's license for address verification, a copy of ssn card  for identification, and a copy of my identity theft affidavit.The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I have not obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Also, I have not authorized these transactions or authorized anyone to use my information to open these transactions. It is the result of identity theft. 

Fraudulent information : Installment Accounts : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

To whom it may concern, I have 2 separate complaints. One for equifax and one for XXXX. 


Equifax : Has not updates my score since 2019. No information on this report is accurate and it shows my score as a XXXX almost XXXX points less than XXXX  or XXXX  due to the bad information on the report. I reached out to them via email and have not heard back. They dont take calls. 

XXXX : Does not let me dispute items on my report due to previous disputes. However I have a valid reason to file a dispute for the item I am trying to and they refuse to let me file the dispute. The information is not accurate this account was paid directly to the lender and resolved.
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (IN)

open XXXX/XXXX/2015. Credit Card with SYNCB/PPC. with a balance of XXXX, credit limit of XXXX. I have disputed this account with the credit bureau and it still has not been removed from my credit report. This is not my account. I have no idea where this account came from and I don't have an account with Synchrony Bank
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (FL)

Upon checking my 3 credit reports I discovered the fallowing wrongs : a ) one mortgage loan ( with XXXX XXXX that was paid off in 2019 is missing from the reports. 
b ) on two of my reports I am shown an address where I never lived.

Suspiciously, this address is in my neighborhood, on the same street where I live, but at a different number. 
c ) the same wrong address shows up on my deceased spouse credit reports. 
As I am going though probate, and I am the personal representative appointed by court, I checked his reports and I discovered the same wrongs on his reports. 
d ) the mortgage loan from Wells Fargo, is reported bizarrely, on the credit reports. 
Must mention that I was stationed away from home due to military obligations and dealt with fraud and wrongs created by Wells Fargo, and not only, since 2019!
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (ID)

I am applying for a mortgage my name is XXXX XXXX. my lender pulled a credit score on me in XXXX and now we are trying to pull it again and they will not allow me to pull it again. I have called them 8 times and they still will not release my score. I have verified there is no freeze on my account. There is no fraud alert on my account. my mortgage company still can pull my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  id XXXX XXXX
Consumer complaint received 2021-02-20
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: Credit Karma (FL)

I wrote to dispute to XXXX XXXX using Credit Karma if they could consider a Goodwill request removing late fees I had back in 2018. It was a 30 day late and the full credit line was paid days later. Since I have never been late on either of the two accounts i have with XXXX XXXX. Credit Karma is only submitting responses or request I have sent in the past and will not allow me to send the request Im asking for.
Consumer complaint received 2020-04-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I went into the Chase bank at XXXX XXXX branch XXXX IL in XX/XX/XXXX and spoke with a banker and showed the receipt of my CD I opened in XX/XX/XXXX, for XXXX XXXX. The banker stated they did not have a record of the account being opened or closed even with me showing the receipt from the bank with all the information printed. 

The banker informed me to call the 800 number of Chase corp and the individual stated the same information that he stated. Then I called the number they provided to make a complaint and received the forms from your business.
Consumer complaint received 2020-06-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC (TN)

I have a current loan with cash express in XXXX off of XXXX XXXX and I have asked since covid pandemic for them to accept a payment agreement at a lower amount. I am wanting to negotiate a lower interest rate and a smaller payment per month than {$190.00}. I have been told repeatedly that if I do not make my payment that they will sue me. I have been affected by the pandemic and now testing positive for covid recently and I can not afford to pay back on the current terms. I also asked for them to stop the ach withdrawals and I have not recieved any confirmation by way of mail regarding this.