davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (MD)

I recently discovered that on XX/XX/XXXX, a transfer of {$4200.00} was made from my Coinbase account to a XXXX account. I learned that a XXXX account was created in my name after I received credit and debit cards from XXXX via mail. While the money was being transferred, there is no notification from Coinbase. The representative from Coinbase said the case is under investigation but have not received any update.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, and Equifax is continuing to report XXXX allege collections that they claim have been verified as belonging to me but they failed to provide any evidence to support their claims. I have repeatedly asked with whom they spoke with or provide the documentation so that I may contact this person or follow up with them about the documentation because I have received no notices for me to dispute this information. Furthermore these collections are illegal as I have no contractual obligation to these companies and they have not received any court orders that compels me to pay these collections.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion, XXXX, and XXXX is continuing to report XXXX allege collections that they claim have been verified as belonging to me but they failed to provide any evidence to support their claims. I have repeatedly asked with whom they spoke with or provide the documentation so that I may contact this person or follow up with them about the documentation because I have received no notices for me to dispute this information. Furthermore these collections are illegal as I have no contractual obligation to these companies and they have not received any court orders that compels me to pay these collections.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, & Equifax continue to report inaccurate information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX even with all my repeated attempts to get my information updated so it can be correct the credit bureaus have not updated the information.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion, XXXX, & XXXX continue to report XXXX collection accounts that they claim to have verified but provided no evidence to support their claims. Under Fair Credit Reporting Act the credit bureaus are required to provide this information to me to verify myself. Who exactly validated this information? Who did they speak with I would like this information to follow up myself.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc (DE)

Pursuit to 18 USC 8 I owe no debt this company has violated my Consumer right and privacy pursuant to 15 USC 168This company also has NO permission to report. pursuant to 15USC1602 pursuant 15 usc I opt out
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Pursuit to 18 USC 8 I owe no debt this company has violated my Consumer right and privacy pursuant to 15 USC 168This company also has NO permission to report. pursuant to 15USC1602 pursuant 15 usc I opt out
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (PA)

I spoke with someone in Customer Service on Friday, XX/XX/XXXX. I was told at that time that my Pandemic Unemployment Card would be sent via XXXX XXXX   express delivery at an extra cost of {$15.00}. I was told that it would be delivered Tuesday, XX/XX/XXXX or Wednesday XXXX XXXX, 2020 at the latest. I have benefits I can not access because I have yet to receive the card. 

I am in a very tough financial situation, as many people are, but the lack of customer service and outright lying regarding the resolution of my problem is totally unacceptable. 

I am more than dismayed that they would promise the card delivery with no intention of following through with that promise. 

Please share my immense displeasure in their ability to conduct business in a proper and honest manner. 

Thank you. 
Suffering XXXX
Consumer complaint received 2020-07-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2020-05-26
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Wakpamni Lake Community Corporation (FL)

I am the employer of the employee who is named in the " debt collection. '' Additionally, I was sent illegal documents to withhold pay from my employees paycheck. Apex Services is a well known unlicensed debt collection. Fraudulently, sending what look like formal payroll deductions with out court orders to do so. This company should be reported and shut down immediately.
Consumer complaint received 2016-05-07
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TX)

I am being harrassed by Navient about a student loan. I filed bankruptcy and this loan was put on hold. Since coming out of bankruptcy, I receive calls twice a day about my student loan. I have contacted the company and told them I can not pay what they want monthly. I am sending payments according to my finances. I am a senior citizen and am on a fixed income with a lot of medical bills.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (DE)

I have rights to ensure that my private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without your permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I have rights to ensure that your private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without your permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. You have the right to opt out of their reporting at any time.
Consumer complaint received 2024-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

On XX/XX/XXXX, I received a message from my federal loan servicer MOHELA that a general forbearance was placed on both of my loans for the month of January ( 1/1/24 - 1/31/24. I was confused for a number of reasons 1 ) How can I be told RETROACTIVELY that my loan was placed into a forbearance 2 ) How was this forbearance placed without my permission when my account was up to date on payments/no payments had ever been missed?

3 ) Why was this forbearance placed without my permission and certainly not by my request?

4 ) Why was I responsible for interest accrued during a forbearance period I did not request?

5 ) Why did payments during this forbearance not count as monthly payments towards the Public Service Loan Forgiveness program? I had to wait on hold for over two hours before speaking
with a representative. There was nothing that could be done about the interest during that period or the payments not counting towards PSLF, which means a direct negative financial impact on myself. They were able to remove the forbearance so that it is no longer on my loan records. 

However, I have once again received communications from MOHELA stating that my loans are being placed in an administrative forbearance I DID NOT ASK FOR AND DID NOT APPROVE. I received a communication on XX/XX/XXXX stating that both of my loans were being placed in an administrative forbearance from XX/XX/24 to XX/XX/24. I am once again confused for the following reasons.

1 ) I did not request a forbearance 2 ) I did not approve a forbearance 3 ) My account has never missed a payment is is up to date 4 ) It states that loans will continue to accrue interest during this period 5 ) Auto debit is suspended, which means I am not receiving the XXXX  % interest rate discount and am therefore accruing MORE interest than I otherwise would 6 ) At the end of the forbearance unpaid interest may capitalize on the loan 7 ) It is not stated if payments made during this time will count towards the PSLF program, which ones again means I will be paying MORE over the life of my loan. 

I am currently on hold with MOHELA again and have been for over half an hour, as they continuously do not have enough staff to respond to concerns in a timely manner. I have seen similar stories from other MOHELA customers and intend to file a class action lawsuit if this situation is to occur again.
Consumer complaint received 2016-03-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Estate Information Services, LLC (TX)

Estate Information Services XXXX is a debt collector but makes it appear that they are assisting people with probate. They are not a law firm. They are in Ohio, my client who received a notice from them is in Texas. Nothing indicates they are attempting to collect a debt until you call them. This is outrageous and fraud. The letters they send say they can help you with probate, but the purpose is subterfuge to get information on the recipient 's decedent and on the executor.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (TX)

Barclays is being unreasonable. I was issued a new XXXX XXXX credit card through Barclays Bank. I signed up and entered my banking information believing I was enrolled in the auto pay program like I do on most accounts. I never received a statement from Barclays so was unaware that they had not enabled auto pay and therefore my account was tagged as late/delinquent. 

Barclays web site is confusing and misleading. Instead of calling the service auto pay like every other company, their program is called REPEAT PAY. What is Repeat Pay - I mean no one else in the US calls it Repeat Pay. Well it turns out they did not activate Repeat Pay for my account and so they have reported my account to the credit bureaus. As soon as I realized what was going on I paid the account in full immediately. 

Barclays eventually refunded the late fees and interest but they will not take down the harmful information from the credit bureaus.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Bummed that the Experian Dispute portal is still down. I have mentioned this when I have called recently. There are many addresses that are on my report that are not being reported to Experian they are not accurate.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I opened an account XX/XX/year> with CREDIT ACCEPTANCE CORP Account # XXXX and set up monthly reoccurring bank draft so that the automobile payment would be paid on time automatically. For several months CREDIT ACCEPTANCE CORP would intentionally deduct the payment from my account days late and some months forget to deduct at all and the funds where available in the bank account.
Consumer complaint received 2024-04-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (GA)

I'm XXXX with macular degeneration. Every week, my daughter helps me pay bills, deposit checks, and manage my money under my direction. On XX/XX/2024, I wanted to improve my account interest rate by purchasing a XXXX of XXXX ( XXXX ) with my XXXX XXXX help. However, after initiating a {$300000.00} transfer, Wells Fargo froze my accounts. They demanded we go into the bank, which we did, before unfreezing the accounts. They said my daughter needed to get a power of attorney to help me access my accounts online, which I refused, as I am of sound mind and don't want to relinquish full control over my finances. Now, they've blocked my online access due to vision impairment, citing my difficulty logging in. This hinders bill payments and account monitoring. I need online access to manage all of my finances effectively, especially for renewing CDs and handling large bills like hospital expenses. While Wells Fargo has suggested that I conduct all transactions in person, this is not a practical solution given my circumstances. Denying online access is discriminatory and unjust. I request restoration of online access and accommodation of my needs. Thank you, XXXX XXXX
Consumer complaint received 2024-05-07
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldridge PIte Haan, LLP (CA)

in XXXX I made a payment plan with these people for a loan I had defaulted on. We agreed XXXX XXXX  a month. Then I became unemployed in XXXX and told them I need the to stop taking money out and they did take it anyways in XXXX XXXX and XXXX I sent numerous email as telling them I am unemployed and can not pay this and they didnt care. They finally replied to emails from the last two months in XX/XX/XXXX saying oh miscommunication which is ridiculous they broke the law by doing this. I want this entire amount removed because they violated my rights under the fair debt collection practices act and the electronic funds transfer act.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: LEXISNEXIS (FL)

XXXX XXXX who identifies themselves as a debt collector, are claiming that they lent money in XXXX and are asserting themselves to be a financial institution. Based on 15 U.S. Code 6801 which states it is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers, therefore, it is my right to protect my private information from being shared. 15 U.S. Code 1681 section XXXX a section XXXX states in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Several requests were made in XXXX, attempting to establish whether XXXX XXXX lent money. Instead, the information they provided seems to show that they committed fraud, as well as violations against the Fair Credit Reporting Act, FDCPA, possible mail fraud and Privacy Act of XXXX. They continuously post notices on the real property 's door when nobody is there, Disturbing the Peace and security of the gated community. Additionally, I gave no authorization to XXXX XXXX, its successor, predecessors or subsidiaries to furnish my private information to credit reporting agencies.
Consumer complaint received 2024-04-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

I don't recall having a contractual relationship with this collection company SOUTHWEST CREDIT SYSTEMS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (GA)

On XX/XX/XXXX I talked to XXXX XXXX XXXX who purchased the debt from Barclays. I did a pay to delete to resolve the account. The account is paid in full. I was promised and given a letter that the account and the Barclays account would be deleted from my credit and no longer appear as a negative mark since I paid in full. It has been over two months and they have not removed it from my credit. I have talked to them on the phone and they have stated that it should have been removed. The negative remark on my credit still shows. 


This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 

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 BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance in resolving this account. Your current balance on this account is $ XXXX. Please retain this letter as proof your account has been settled. 

Your account will be considered paid-in-full for less than the full balance after the final payment is successfully posted. If our company is reporting this account to the credit reporting agencies, within approximately 30 days of the final payment successfully posting, our company will request the credit reporting agencies delete our companys tradeline related to your account from your credit bureau report. XXXX XXXX XXXX, XXXX can not control how fast the credit reporting agencies process requests. 

*Balance and/or payment information assumes that your payment is not reversed as a result of having any checks returned to us or as a result of you having directed us to apply payment to another account. 

If you have any questions, or need any further information, please call us at XXXX. Our hours of operation are Mon. to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you for resolving this account. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX Representative
Consumer complaint received 2021-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is : XXXX XXXX