davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (AL)

On XX/XX/2021 I was transferring XXXX lite coins which is {$4500.00} to a Coinbase Wallet. When I selected the XXXX wallet to copy the address, Coinbase gave me with this wallet address XXXX when I later discovered the correct address they were supposed to provide was XXXX. Instead of Coinbase rejecting the transaction they sent funds to When I sent the funds to the wallet I never saw them appear. So I did another transaction for {$500.00} and this one appeared. I immediately reached out to Coinbase and the only thing they would tell me is that my funds could not be recovered. I am able to view the funds to an address XXXX no one owns and continues to tell me that my funds are lost forever. Coinbase has since rejected my emails when I question what will happen to the funds in the wallet if they are never claimed. Block transaction is XXXX. XXXX is actively stealing from consumers and something needs to be done about it.
Consumer complaint received 2020-12-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

I took out private student loans with Navient while I was attending XXXX XXXX. These loans were obtained under a blanket of lies that were told to me about XXXX XXXX and Navient. I was promised assistance in finding a job after graduation. I was promised fair interest rates comparable to my federal loans and cosigner release. I made my payments on time for years and was never offered cosigner release. My interest rates are well above any of my federal loans. Furthermore, Navient calls at least 8-10 times per day after I've asked them to stop contacting me as I try to get my loans canceled and they continue to call me all the time. They have gotten me in trouble at work, sometimes calling 3 or 4 times in a row. These loans were obtained through fraudulent practices from XXXX and they should be canceled.
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was a victim to a scam about two weeks ago on XX/XX/2022. I reached out to this girl via XXXX because she was selling a pair of tickets to an event I wished to attend. The first thing I did was ask her for proof. She sent me proof of the tickets by sending me a screen recording of the tickets on XXXX. For various reasons, I concluded that the tickets were real. I then asked her which form of payment would be best. She initially offered to use XXXX XXXX but that did not work out so she suggested XXXX. Before I sent any money, I asked for an updated screen recording of the tickets and she sent it almost instantly. The timestamps were accurate and everything appeared legit. I then asked if I could purchase the tickets one at a time because I wanted to take the extra precaution. She agreed. Right before I sent the money, I asked for another updated screen recording and again, she sent it almost instantly and everything appeared legit. I then sent the money to the email she provided. The first transaction was of {$280.00}. I then waited for her to transfer the ticket. She asked for my XXXX information and proceeded to transfer the tickets. She then sent me a screenshot of the XXXX website which stated that she was not able to transfer just one ticket because the two tickets share a barcode. She would only be able to send the tickets as a pair of linked tickets. Seeing as I had already sent the money for the first ticket and the screenshot appeared legit, I agreed to send the money for the second ticket. However, after I did and I sent her confirmation of the XXXX payments ( two separate transactions of {$280.00} ), she began to respond with less frequency and I still had yet to receive the tickets. I then messaged her multiple times and she wouldn't respond. I asked for my money back and she didn't respond. She then blocked me. I immediately called my bank to dispute the charges seeing as it was a scam. My bank is Chase. They told they would be unable to issue me a refund because I authorized the payments. They however said they would file a claim for XXXX and see what XXXX could do. I received an update and Chase has said they will not be able to give me my money back and that I should reach out to the merchant. This is not a solution seeing as the " merchant '' is a scammer. My friend has also been scammed in a similar manner, also via XXXX, and she was able to get her money back so I don't understand why I am not able to.
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (FL)

I have a few addresses that is not correctly showing on my credit file that needs to beupdated. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. PLEASEDELETE THE FOLLOWING ADDRESSES:XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL,XXXX XXXX XXXX XXXX XXXXXXXX FL, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL,XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX I have not lived at any of these addresses listed on my credit report I even noticed that a few actually belong to my adult children. However, I would like them removed because they are not accurate.
Consumer complaint received 2022-10-10
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. (GA)

I am submitting this CPB Complaint as a formal request to Equifax Credit Bureau to remove the disputed accounts completely from my Credit File. Under the Fair Credit Reporting act, Credit Reporting must report accurate information only. Also, the disputed accounts are only reporting with Equifax Credit Bureau and are already removed from other Credit Bureaus. Once again, I need to remove the following accounts completely from my Credit File : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-10-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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.

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 furnishes an account without my written instructions.
Consumer complaint received 2022-10-09
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. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federallv protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-27
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2022-10-09
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: EQUIFAX, INC. (MS)

I had a loan with a company by the name of XXXX XXXX. The Loan that I had is no longer on my credit report the co-signer that I had on the loan, made a claim that it is on his credit report. The account is no longer showing up on my report, and I did indeed have a loan at XXXX. I borrowed from the loan company three times. These are the following dates. 

XXXX XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX- Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX- Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX
Consumer complaint received 2022-10-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CarMax, Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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.

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 furnishes an account without my written instructions.
Consumer complaint received 2022-10-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (GA)

On XX/XX/2022 I received documentation from XXXX XXXX I, XXXX claiming that I owed them an alleged debt. First off, 18 USC 8 states that all debts and alleged debts are the obligations of the United States. XXXX XXXX and any person aiding them in the collection of any alleged debt shall follow the guidance in 15 USC 1692 ( Fair Debt Collections Practices Act ) and any violation of any section of this title will result in civil liability for actual damages. XXXX XXXX not only failed to provide documentation of an agreement bearing my signature I have with them stating I owe them an alleged " debt '' but they also furnished a deceptive form ( 15 USC 1692j ) to trick me into believing I owe them anything! The abuse and harassment I have received from the criminals at XXXX XXXX will not be tolerated especially when their claims can not be verified.
Consumer complaint received 2022-10-10
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: Paypal Holdings, Inc (NY)

To whom it may concern, I submitted a payments for a treadmill and XXXX  vacuum for what I thought I was purchasing through a friend on XXXX. I was not aware at the time but have since confirmed with her that her XXXX  account was hacked and taken over by a criminal/fraudulent person. The way I paid was through PAYPAL and I have been trying to cancel and reach out to PayPal for the last 24 hours since I have evidence of the fraud, the fake address and PayPal account with email. But I am not getting any feedback? Because the transaction is pending, I am not sure why I would not be able to have this transaction cancelled since it is by a fraud and criminal act. 


The PayPal transaction is as follows : Paid You'll see " PAYPAL '' on your card statement. 
{$360.00} Transaction ID XXXX Contact info Message XXXX XXXX Note Treadmill and XXXX vacuum Details Sent to XXXX XXXX {$350.00} Fee {$15.00} Total {$360.00} I have also reached out to my credit card company, XXXX XXXX, but they indicated that PayPal would need to work with me to resolve since transaction is still pending. I have not been able to get a hold of anyone at either PayPal or XXXX  to report the fraudulent act. 

I do have a trail of the fraudulent communications and the friend that was hacked has provided detail in writing to me that she was in fact hacked and this was a criminal act upon myself and other of her friends/family. 

Please advise.
Consumer complaint received 2021-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP (TX)

Paid this debt to another creditor already. Have documentation saying the account has been settled. I will not do the homework for this company. 

Rausch Sturm LLP : Received a letter on XX/XX/2021 saying I owe XXXX to XXXX XXXX  XXXX, XXXX. 

Debt has already been settled and has been previously removed from all 3 credit bureau 's as well.
Consumer complaint received 2022-09-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (CA)

Paypal closed my account and withheld my money since XX/XX/2022. Every time I call their customer service they promise to call me back and they didn't solve the problem until now. They withheld {$24000.00} on XXXX. 
Please help me to get my money back
Consumer complaint received 2020-12-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CO)

Copy if most recent email to AES : I submitted my income verification via email to XXXX on the following dates and screenshots are attached. This should have been processed back in XX/XX/XXXX and it needs to be resolved with THOSE forms as I did exactly as I was asked to do. Covid also affected my income. I can afford to pay $ XXXXmonth. If that can be set up, I can start paying immediately. 

XX/XX/XXXX Received email for {$20.00} payment I made. 
XX/XX/XXXX Requested XXXX  info. 
XX/XX/XXXX Received email with case #. 
XX/XX/XXXX Received email for {$20.00} payment I made. 
XX/XX/XXXX Received email for my XXXX requestto be mailed to me. 
XX/XX/XXXX Received email stating re-certificationof XXXX not received. Emailed AES stating the IRS site would not work for me to submit my income tax return. 
XXXX Signed & emailed the XXXX  with income documentation forms. 
XX/XX/XXXX XXXX attached letter that was mailed with my forms. 
XX/XX/XXXX Emailed AES again with XXXX & income documentation forms. 
XX/XX/XXXX Email received saying XXXX forms not submitted. Replied that I already emailed my papers. 
XX/XX/XXXX Emailed AES XXXX  forms. 
XX/XX/XXXX Received email stating forms not received. Replied that I sent them 2 previous times. 
XX/XX/XXXX Emailed AES XXXX  forms & income documentation forms. 
XX/XX/XXXX Received email that forms were not received. Emailed AES that I sent the required forms AGAIN. 
XX/XX/XXXX Received email stating forms not received. Emailed AES XXXX  forms again. 
XX/XX/XXXX Received email stating form not received. Emailed AES with XXXX forms again @ XXXX. Received email back at XXXX stating formsnot received. 
XX/XX/XXXX Re-mailed XXXX  forms. 
XX/XX/XXXX Received email stating XXXX forms were received in mail but did not include income documentation. I replied that my income was included with my multiple previous emails ( see above ). 
XX/XX/XXXX Emailed AES again with XXXX forms, asking to reference previous emails with income documentation because I do not own a printer. 
XX/XX/XXXX Spoke with XXXX at XXXX - XXXX. He would submit a Natural Disaster extension for 3 months. Asked me tore-email forms. 
XX/XX/XXXX Emailed AES with attached forms again. Submitted IDRA application. 
XX/XX/XXXX Emailed AES again with all of this information. 

I have spent countless hours on email and phone trying to get this resolved since XX/XX/XXXX. I have done my part, over and over, trying to set up a payment plan. 
AES has continually said my income documentation nor XXXX were received, but ALL OF THEM were sent to XXXX and I have received replies to all the emails I sent there, except of course, the ones where I CLEARLY attached the required information.
Consumer complaint received 2020-12-27
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The loan was current at the time of deferral provided by the FHA. The loan went into deferral in XXXX. XXXX has reported the loan to be 120 days past due in XX/XX/2020. My mortgage servicer is required to report my account as current during the forbearance period to the Credit Reporting Agencies per guidance from FHA and HUD. I am requesting XXXX to remove the past due derogatory flag from my credit report from all three agencies immediately.
Consumer complaint received 2020-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI (FL)

This is the XXXX time I've contacted this company about a debt for XXXX. The debt is paid in full and the company is still showing over a {$500.00} balance on all 3 of my credit reports. This needs to be removed and shown as a {$0.00} balance immediately on ALL 3 CREDIT REPORTS!!!
Consumer complaint received 2022-07-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XX/XX/XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX USD which was transferred fromXX/XX/XXXX XX/XX/XXXX utilizing Coinbase services. 
What would be a fair resolution to this issue? 
Coinbase has to put things into the right perspective for me by reversing the total amount of XXXX XXXX USD paid to scammers as my losses are substantial and I have suffered a great loss because of this fraud, it had affected me personally emotionally, and financially and I am struggling to make ends meet.
Consumer complaint received 2021-08-15
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. (CA)

My mortgage was transferred to XXXX XXXXXXXX XXXX a few months ago. 

They sent me a letter telling me that my mortgage has changed to them and asked for my bank account info for payment - which I found suspicious since the loan number was different and I hadn't received anything saying XXXX XXXXXXXX XXXX was my new lender from my existing bank ( XXXX ). They had said my loan would be transferred to " XXXX XXXX XXXX ''. 

I called XXXX to figure out if it was legitimate or fraudulent. They had the right info about my existing loan so I ended up setting up my account and signing up for automatic payments over the phone. 

Then a couple months later I got a notice in the main that my account was delinquent. I called and it turns out that the automatic payments wouldn't kick in for 2 months ( which they never told me on the phone ), and once the payment was missed, the automatic payments were cancelled too. 

After calling I immediately paid the balance and called back to verify it wouldn't be reported as late to the credit bureau, but it turns out they had already sent the delinquent status to the credit report. 

They promised that they would fax letters to the credit bureaus to remove the negative marks, but that was several weeks ago and the negative marks still remain on the credit report. 

I've emailed and called them several times and still have gotten no response from them about the issue with my credit being resolved. 

The XXXX online presence is extremely dated and difficult to navigate ( e.g. to tell what the outstanding balance is or set up automatic payments ). In this case my flawless credit of XXXX dropped nearly XXXX points due to mix ups in their payment systems that weren't communicated to me, and now several weeks after I've paid the balance and discussed the credit issue with them they've failed to address it with the credit bureaus.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (IN)

As of XX/XX/2022 I had paid on my account to make it current leaving me with a remaining balance of {$2800.00}. On XX/XX/2022 after I added my autopay information Synchrony proceeded to charge me for the total remaining amount, even after I had already paid for the month. Because of this my personal funds went to - {$2000.00} which I had them refund. On XX/XX/2022 after Synchrony reported my account to be current they also reported that my credit usage increased by 83.09 % which is false. They're claiming that because I had my money refunded that my credit usage increased, however my credit usage is the same as it was when I opened my account in XXXX. I have not purchased anything nor have I used any of my remaining credit since opening my account. They have refused to look into the false reporting and are claiming that my account is current, which is true in terms of amounts paid and owed, but they are not reporting my credit usage accurately.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (WA)

I received a text message starting with CHASE BANK ALERT, claiming that someone in another state was attempting to access my account. The link provided in the text requested loads of personal identifying information. I closed this account over a year ago so I am very certain the text and website are fraudulent. I am pasting what the text said below : CHASE BANK ALERT : We detected an unusual attempt at XXXX XXXX XXXX XXXX, AZ XXXX. If this was not you, use the secured link to verify your identity and secure your account : XXXX XXXX XXXXXXXX? Verify