davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (CA)

The dates for which this loan was applied for was in XX/XX/XXXX. I was signing up for vocational training at XXXX XXXX in XXXX, California. Only went through the admissions and financial aid process. Informed school I would not be attending and federal loan was never used. I have been sent multiple letters in the mail as recent as XX/XX/XXXX stating I could be forgiven for the loan I borrowed, but I never borrowed the loan. Never saw a cent of it and never went attended a single day of school at XXXX XXXX. XXXX XXXX XXXX reports my to my credit report three different loans being accounted for ; Listed as two accounts being opened XX/XX/XXXX and being closed on XX/XX/XXXX, and another account being opened XX/XX/XXXX and being closed on XX/XX/XXXX. I have filled out their return letters stating I have never used their loan and to please remove the accounts from my background, but it remains on my credit report.
Consumer complaint received 2022-10-04
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

Under the new law dated XX/XX/XXXX any public record must include name and address as well as dob or SSN I 'm order for it to be included in your credit file. The credit bureau has not updated this information and per the new law true bankruptcy tax liens listed does not include this information thus the bankruptcy and tax lien should be taken off my credit report.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

In regards to the recent exposure of data accessed via the Equifax security breach, I have tried for two days to put a credit freeze on my account at Equifax. I have made repeated attempts via phone and also via the Equifax website. However the automated phone link is unable to process the request and the internet link does not provide an option to freeze my account information. 

This company has fallen short of consumer expectations of not revealing the security breach in a timely manner and not providing the tools necessary to protect our information. 

I have attempted to call Equifax but they do not have a representative available to speak with. It is also worth noting that XXXX, XXXX, XXXX provided adequate simple and effective means of freezing my data.
Consumer complaint received 2018-01-04
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. (LA)

XXXX XXXX is showing an incorrect amount owed. My truck was repossessed and sold. The balance owed does not reflect the correct amount owed, it still reflects the total amount of the vehicle. This reporting status is both inaccurate and illegal.
Consumer complaint received 2018-01-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: U.S. BANCORP (CT)

There were charge offs applied to my credit score that I was n't notified about after i made payment arrangements with paying off my balances. I told the company during a time of financial hardship that I would be able to pay off the balances within a couple months. The called my job, even hired debt collectors and lawyers to constantly call me while I was at work even after i told them they would need to stop. This is getting ridiculous and I would like both of these companies questioned based upon their collections attempts and not respecting the time window i 've asked to contact me by. Due to the constant calls at work and on my office phone and constantly on my cell phone ( which I used for personal clients ) during work hours I was given a poor review and had to leave my job and resign.
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

Account set up with Coinbase - money taken very swiftly from a debit card. 

As soon as I wanted to cash out and close my account I have had to authenticate my account using a SEPA transfer of XXXX Euros. 

However even though they have sent an automated email to say they have received my deposit it is still not allowing me to withdraw funds and keep wanting me to authenticate my account. 

In total I have XXXX sitting in account which looks like I might not get back. Thank heaven I did not put more in It seems that there is no response for emails, no telephone number and no way of contacting these people.
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

The XX/XX/XXXX I initiated a SEPA transfer of XXXX euro to my XXXX bank account. The same evening the transfer was marked as completed and I got a e-mail that I would see the money on my account the XX/XX/XXXX. 
Until this day I have not seen my money and all attempts to contact CoinBase has failed. 

It seems that I 'm not the only one who have n't received the money from the XX/XX/XXXX. And it 's unacceptable to not give your clients any information whatsoever.
Consumer complaint received 2017-07-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION (MD)

I was working with BB & T Mortgage to modify the payment on my home. I am afraid to loose it. They asked me for my income and I sent it to them. On XXXX XXXX, 2017, I was told by their representative that the loan is under review and no other documents were needed. I call on XXXX XXXX, 2017 and now they closed and denied any assistance because my pay stubs do n't have a year to date total. I went over my pay stubs with them and they told me they were received and in fact they do have year to date totals and unfortunately my loan is denied because the single point of contact or case manager did not read my pay stubs properly. They stated they will not open it again and mean while, I am in dire need of assistance and I may loose my house for their negligence in reading pay stubs.
Consumer complaint received 2018-01-04
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. (FL)

This company is still falsely reporting payments made in am attempt to extend the life the loan on equifax credit report. They are rwpoetinf that a payment was made XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. NONE OF THESE PAYMENTS WERE MADE. They repeatedly keep marking my credit as payments made when they have NOT in aN attempt to restart the 7 yr process. This is fraudulent activity. They are also in violation the of the florida credit report act and federal fair credit reporting act.
Consumer complaint received 2018-01-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (CA)

I received a letter over the XXXX holidays for an amount I owed my medical provider in XXXX. The total amount seems suspicious and very low ( totals to less than {$100.00} ). But this debt collection company USCB America has added on {$2200.00} as additional and {$550.00} as interest! 

To my knowledge Ive paid all the bills correctly with my medical provider. 

In addition, they claim to begin collection activities within 10 days of receipt of the mail. Unfortunately that means that due to the holidays, it leaves me very little time to respond and investigate. 

Plus, adding XXXX dollars to a XXXX dollar debt seems ridiculous. Please help!
Consumer complaint received 2018-01-04
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: Ditech Financial LLC (HI)

I filed a complaint almost two years ago that the mortgage company was not reporting my mortgage to the credit companies. Their response was that they are working to fix this issue. They have yet to fix their system to be able to report on the three owners of the property.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

I sent a secure message on XXXX XXXX, XXXX to my auto loan financial institution CHASE AUTO to remove the false note that my financed car was AFFECTED BY ANY NATURAL OR DECLARED DISASTER because I was not affected in any natural or declared disaster. 

I received a response from CHASE AUTO on XXXX XXXX, XXXX saying that they submitted a request to their Research Department and within seven business days they were to send me an update in writing. 

I have yet to receive any further communication, electronic or written, from CHASE AUTO about this false claim on my XXXX credit report. 

Where I reside, XXXX, TX, was not affected by any natural or declared disaster. I do not want any issues with my credit report when I have to go refinance my house soon. CHASE AUTO is at fault and needs to remove this false statement from my Credit Report.
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

In XXXX, I filed a complaint against XXXX XXXX. I had settled a defaulted loan I had with the back in XXXX, but they had yet to update this account as resolved on my credit report yet. Today, I received a letter from XXXX XXXX, essentially stating that they have not updated my account yet, because I disputed it. Also, as of today, they are still reporting the account as unresolved on my credit report. 

For reference, I am attaching a copy of XXXX XXXX 's recent letter, and also a copy of my settlement and payment receipt from XXXX. 

First of all, XXXX XXXX 's claim that they can not report accurate information about my account because I disputed it is completely bogus. As is my right under the Fair Credit Reporting Act, I have the right to dispute anything that is inaccurate on my credit report. XXXX XXXX does not have to right to " punish me, '' simply because I wanted correct information reported. 

Also, they did n't even address the fact that they are still reporting incorrect information on my credit report, more than 3 month after-the-fact.
Consumer complaint received 2018-01-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (IN)

I had received a bill from XXXX hospital in XXXX or XXXX from a hospital visit inXX/XX/XXXX. My bill was just over {$3000.00} and I did not have health insurance so I sent a letter to insurance department explaining that I was a college student with no insurance and there was no possible way to make that type of payment. After sending the letter I assumed that I would hear back to see if the fee was waived or reduced. After months passed by I was never notified about if my request was accepted ( which I thought was strange ) so I just assumed that the whole payment was waived. InXX/XX/XXXX I decided to to create a XX/XX/XXXX account because I am looking to start build my credit and noticed that I have a derogatory mark which is from AMERICOLLECT. It says that I owe {$220.00} and that they posted the debt on XXXX XXXX, XXXX. After discovering this debt I made the payment on XXXX XXXX, XXXX. I am writing this complaint because if I had received any information about this debt when it was due I would have made sure to get it paid on time. I am a responsible person and would greatly appreciate if the derogatory mark posted on my credit be removed. This year I am looking to start building my credit and would like to start off fresh. This issue was not in my control due to not receiving the information needed to make a payment. Thank you.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have requested a 609 verification, requesting the original contract of all accounts. I sent a certified letter to this company requesting that they provide me with the original contracts for each account they are reporting on. This company has failed to provide me with the request that I asked for and provide the information in a timely manner. I did a certified copy that was signed on X/XX/17 and I have failed to receive this information. They have violated the fair credit reporting act. I 'm requesting that this matter be investigated.
Consumer complaint received 2017-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

During the period from XX/XX/XXXX to XX/XX/XXXXNavient incorrectly applied my payments so that I was paying interest which should have been subsidized by the Federal Government. I filed a complaint with the Department of Education in XX/XX/XXXX, several weeks went by without resolution. I filed a second complaint with the Department of Education and a third complaint with the CFPB. Several days after filing the second and third complaints, Navient sent a letter, case # XXXX, admitting they had misallocated my payments and saying the amount of the subsidized interest that I had paid would be credited back to me in early XXXX. I contacted XXXX XXXX, my " Customer Advocate '' at Navient in early XXXX. XXXX XXXX was unable to tell me why the money had not been credited to my account. She was also unable to tell me when it would be credited to my account, or how much subsidized interest I had paid ; in Navient 's current online system, payments made by the Department of Education are not identified so I be sure how much subsidized interest I paid by looking at my account online. I have been diligently contacting XXXX XXXX weekly since the beginning of XXXX, but she has not been able to give me any information. It does not appear XXXX XXXX is looking into my case, or that Navient has any intention to resolve this issue.
Consumer complaint received 2018-01-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX I withdrew XXXX Bitcoin from my BTC wallet on XXXX to a generated wallet in my account on XXXX. About 10 minutes prior to this transfer I withdrew XXXX Bitcoin to the same XXXX account and the transfer went through quickly and without incident. However the XXXX Bitcoin never showed up in my XXXX account. I received several automated emails from coinbase, the company that runs XXXX, stating that my deposit completed successfully, however the bitcoin was never deposited into my XXXX wallet. I have sent coinbase customer support two emails and have received no response. I have looked online for other people experiencing this issue and it has happened to many people, getting the exact same emails when transferring from coinbase to XXXX and not having their deposits show up, even when they show as completed on coinbase. People have had their deposits in limbo for almost 3 weeks now and coinbase customer support can take months to reply. This is n't right, this is Coinbase 's fault and they need to take responsibility for it.
Consumer complaint received 2018-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (CT)

I open a checking and saving accounts back in XX/XX/XXXX in Key Bank I have nothing but headaches from this branch is like pulling teeth with your own money. The unauthorized transactions made in my accounts they still have not been neither fix or credit back to my accounts till this day. After is clearly in my account of such unauthorized transfers. Just recently on XX/XX/XXXX {$300000.00} and the rest of my money was swiped out of my accounts completely and after numerous complaints still my money hasnt been credit to my accounts. I want all my funds the same way I put them in this bank. This is the biggest fraud I had ever seen done to an individual.
Consumer complaint received 2017-09-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. ()

I transferred XXXX PAY tokens ( TenX Cryptocurrency ) from my XXXX account ( another exchange ) 47 days and XXXX hours ago ( on XXXX XXXX, XXXX at around XXXX PST ) into my Ethereum wallet at Coinbase. 
Since the PAY tokens are an ERC 20 token ( ethereum platform ) I thought they 'd be no issues. The transfer was successful and delivered to my Ethereum wallet at Coinbase. I 'm still new to crypto currency trading, so I viewed this transaction as any other financial transactions ... if wrong address or not supported, the transfer would be rejected or worst case scenario reversed back.
However this is not the case, although the tokens are currently sitting in my Ethereum wallet, I can not access them because Coinbase does not support this specific crypto currency. They 'll accept the transfer in, but will not allow you to access them.
Only Coinbase has the private key to my wallet to access the tokens, but they refuse to send back the tokens, saying it would be too much work for them. The ability to fix the problem is available but they are not willing to do it. I am not the only one who made this mistake in the past, I 've read in various forums of similar cases where the transactions were reversed, so it is definitely possible. The problem now is that Coinbase has grown so much and so fast that they have not scaled their support staff to match the number of users.
The value of my tokens at the peak, a week or so after the transaction went up to over {$410000.00} - now the value has dropped to below {$110000.00} I 'm fine with the fluctuation in price, I just want my tokens returned. I 'm afraid someone there might steal the tokens or a hacker might take them, since the amount is quite large I would prefer to store them in my hard wallet ( offline ).
This is such a new field, I understand my explanation might be a bit hard to follow so below is a quick summary.
Sent crypto currency from one exchange ( XXXX ) to another ( Coinbase ), Coinbase accepted the transfer but because they do n't support the tokens, they will not allow me to access them to transfer or sell.
Coinbase can access them by retrieving the private key to my wallet but refuses to do so because they said it would be a lot of work for them. They felt this was my mistake and I 'm essentially out of luck.
I disagree because Coinbase is a financial institution, if they do n't support this token they should of rejected the transfer or at least reverse it, instead they are keeping the tokens and refusing to retrieve the private key to my wallet, which only them can have access to it. 
Thank you for your help. Please let me know if there 's anything else you need from me. 
XXXX
Consumer complaint received 2018-01-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

On the XX/XX/XXXX, I made a XXXX SEPA transfer from my XXXX Bank Account to Coinbase Account in XXXX XXXX Account. I noticed something could go wrong as I made the transfer in GBP to their XXXX account. 

So on Thursday XX/XX/XXXX I sent them an email ( XXXX ) asking them to look into the transfer and to tell me what was going on. They gave me an automated template reply and that was it. 

On XX/XX/XXXX I sent them another e-mail asking for information again. 

During the following 10 days, I spent my time searching the net for contacts, feedback from other users and sent a couple of XXXX to Coinbase account. Nothing still. 

On XX/XX/XXXX they finally replied telling me how to do a SEPA transfer. Nothing relating to solving the issue. 

XX/XX/XXXX I called my bank ( XXXX ) and they confirmed the money had been received on XX/XX/XXXX and it would most probably what is called a Holding Account. So I took that information and sent them another email with all the details of the transfer. Name, date of transfer, amount, IBAN, SWIFT, Unique Transfer Reference Number and Account Reference Number. 

On XX/XX/XXXX, 3 tickets later, I sent them another email, this time threatening action. 

On XX/XX/XXXX, they finally email me back asking for proof of transfer. A screenshot of the payment that shows the IBAN and a portal address for me to upload to. I did straight away. 

Until now, nothing else. 

I understand I made a mistake. I 've never done a SEPA transfer and the currency option got completely overlooked. BUT 13 working days for a transfer that should take around 1-3 working days is a JOKE. 22 days in limbo without knowing what has happened to my money.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I never consented to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and thaws free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.