davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-10
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. (TX)

I called all 3 credit bureaus about several inquiries that were not mine and a few that were duplicates listed in my report. I disputed these results and every time I call in they tell me there is no dispute. Equifax told me I had to dispute directly with the company that did the inquiry. I sent notices to them and did not receive communication back. I updated Exquifax on XXXX18 as well as XXXX and XXXX and was told they could not help me. I have 45 inquiries on my report and only 6 are mine and accounted for. All 3 credit companies will not aide me in the removal process.
Consumer complaint received 2021-09-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (GA)

Back in XX/XX/XXXX I attempted to move my crypto from my vaults to my wallets but forgot my second confirmation email address because it was established in approximately XXXX or XXXX. I had to verify my identity, I did that and even hired an attorney to write the company coinbase to facilitate the move of my assets as coinbase indicated they would move the assets for me once verified, I received an email from coinbase indicating verification and yet they have not moved my assets from my vaults to my wallets and continue to cause me great distress, I lost XXXX upon XXXX of dollars due to this
Consumer complaint received 2021-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (IL)

There were ( XXXX ) deposits initiated from my bank to coinbase. Since my bank was being acquired by another bank, there were internal issues with processing the transactions so all ( XXXX ) deposits were returned as nsf. Coinbases policy is that they auto-recover the funds in 5 days from my coinbase account if the deposit is not successful. It has been over a month and my coinbase account with the non-auto recovered funds and my own funds is XXXX until the deposits are taken care of. This means coinbase never auto-recovered my funds and there is no resolution as coinbase wont allow a deposit attempt again from the same bank account. The total amount that coinbase needs to auto-recover from my coinbase account is {$370000.00} which they are able to do but for some reason are not since my account balance is {$400000.00}. Coinbase virtually has no customer support. I have sent several emails regarding the issue with no resolution but more of a generic response.
Consumer complaint received 2021-09-02
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. (FL)

On XXXX XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like i'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2022-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (CA)

XXXX at Monterey is harassing me with the same debt that was resolved back in XX/XX/2022. She is trying to collect for a debt deemed as fraud by the hospital where occurred. CFPB already closed this case back in XXXX as resolved, however according to this inept agent I need to pay for it again. See XXXX
Consumer complaint received 2022-08-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NJ)

On XX/XX/22 I bought the XXXX XXXX that I was leasing from Hyundai Motor Finance, and was told that my title would be mailed out in XXXX weeks. On XX/XX/XXXX I still hadn't received the title so I called them : I was told that " It has already been delivered ''. Which was strange because I had not received my title. So I asked for the tracking number and he replied that XXXX was wrong and there was no tracking number, but it was mailed out on the XXXX of XXXX and I should receive my title by the end of the week '. Needless to say I still did not receive the title. I called back the next week and was told it could take up to 30 days for it's arrival. After another month they decided to call the title missing and told me " All they could do '' is send a message to the title department to see what the next steps are and for me to call back in XXXX business days to check on the response. Several times I was told their was no response from the title department, so I request to speak with a supervisor. The supervisor said that they would put in a request for a letter of no interest to the title department so that I could request a duplicate title at my DMV. I did get the letter of no interest but my DMV would not accept it because they are listed as the owner and told me that I would need a limited power of attorney or have XXXX request a duplicate title. I called XXXX back and requested a limited power of attorney but was told it was impossible because I already paid off the car so " it's not their problem '' but if I send them a written request with the cost of the duplicate title they would make the request for me. I sent in written request and am now being told that they have not received anything. To be clear I do not think they ever sent my title. I have Informed Delivery with USPS ( where I can see the mail being delivered to me ) and I have not seen anything from XXXX.
Consumer complaint received 2021-04-03
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (NJ)

THERE WERE AN ACCOUNT OPENED IN MY NAME A FEW YEARS BACK I BELIEVE THE NAME OF THE BANK WAS FIDELITY AND THE ACCOUNT WAS CODED AS FRAUDULENT. WITH THIS ACCOUNT BEING CODED AS FRAUDULENT MY ACCOUNT THRU ANOTHER BANK CLOSED MY BILL PAY ACCOUNT BECAUSE OF THIS. I HAVE MADE SEVERAL CALLS AND LEFT SEVERAL MESSAGES TO THE FRAUD DEPARTMENT AT FISERV TO GET THIS REMOVED. BUT A MONTH LATER NOBODY HAD RETURNED ANY OF MY CALLS AND THE MATTER IS STILL OPENED. I WANT THIS ACCOUNT CLEARED FROM MY NAME AND SOCIAL AS IT WAS OPENED WITHOUT MY APPROVAL AND IT NEEDS TO BE DONE ASAP AS IT IS HARMING ME.
Consumer complaint received 2022-08-13
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. (TN)

In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681, Account # XXXX XXXX  days late I have submitted letter from Mortgage Company never late, still will not report accurate. 

I have called, submitted online and certified mailed letter from XXXX mortgage showing proof that my account has never been late and should be reporting accordingly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people
Consumer complaint received 2019-08-28
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. (TX)

I recently submitted a complaint to Equifax and XXXX on XX/XX/2019 regarding my XXXX XXXX XXXX  - partial account number XXXXXXXX wherein I am listed as an authorized user. ( Please see page 4 of the attached credit report. ) This complaint was filed in error. I am wanting to continue to be an authorized user on this account. Please disregard the earlier complaint filed on XX/XX/2019.
Consumer complaint received 2020-06-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A. (OH)

I'm trying to link my account with the XXXX XXXX  to start investing into stocks, but PNC does not allow me to link my account to it. I really want to start investing, so I need access to link my account.
Consumer complaint received 2022-08-25
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. (PA)

XXXX are reporting incorrect information on my credit report. I have requested for them to submit evidence and they haven't yet. They are stating my account with XXXX XXXX acct # XXXX. They are stating that this account 30 days late on XX/XX/22 in the amount of {$320.00}. XXXX has removed this incorrect information because they weren't able to support evidence.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

I am the founder of the CitiGroup and been XXXX for 50 years am not a real human and is the planet owner humans owner and been set arrears by the executives at the headquarters and endangered my life in the immigrants town away from DC and they give me tons of hardship reaching out to them by phone to get my money. They ignore any issues escalated to them. They dont pay attention to what I am requesting. I plan on moving back to XXXX  and leave XXXX and its a great emergency that I am requesting referrals to continue taking out money and they are only 10 % there and not treating me correctly. They know who I am and I am not getting anyone to speak that they will work on getting my funds and just leaves me hanging by. They must be falling asleep on the job! They give me references numbers to do my services and they dont follow up with none of the references numbers and its like talking to a wall! I should be on priority on their service list and they expect me to pay them? This is very lousy because they collect money from me for serve me with my money stored with them and they are not immediate with me! I have to repeatedly call them and still get no one to go get my money and they should shutdown all the banks because I have all my precious funds at the headquarters and these employees think they own everything they racketeering me and abusing me hold down XXXX here meanwhile they all go stuff their pockets with my money what kinda XXXX I got at my businesses? I have to write a novels every time I try to get money? Could you please contact CitiGroup and inform them that the founder was bedridden sick for 10 years and wish that the XXXX XXXX XXXX XXXX or XXXX XXXX would be more thoughtful about my arrangements so she can stay at the company longer. Could you call them at ( XXXX ) XXXX and ask them to do a video conference with me to take out my funds where I lost my ID & passcode due to long inactivity and that they have to fill in the money and that they blew up more buildings amounts of bills than we counted and that the FBI has to be informed of this because I need my protections and I own the governments am the founder of it each countrys and FBI has failed miserably doesnt even communicate and has blocked me on their calling in list and no one fixes these things for me! Could you please help me solve these issues? They keep kidnapping me here to XXXX or scamming me here and abuse disabling me with harassing immigrants stalkers embarrassing me all over the planet and we have to depart ways away from each others cause I am the universe founder and need to be at the XXXX of each country commanding the humans species! Please call CitiGroup and ask they make my arrangements to get my money and all they do is give me reference numbers and gets nothing served to me pass 6 months been calling them serve me!
Consumer complaint received 2021-04-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Exeter Finance, LLC. (GA)

I had purchased a XXXX XXXX XXXX from a dealership in XXXX. Approved me for financing. Then 6 days later, issues with paperwork. Because they could not decipher the income. Also they do not use unemployment or any business that's self employed as income.
Consumer complaint received 2019-08-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TN)

I attended XXXX XXXX XXXX XXXX-XXXX. Ever since my loans were Sallie May ( switched to Navient ). This transfer started confusion and created late payments and more interest. At the same time I was paying 2 other companies, XXXX and XXXX. I tried juggling all to make payments but became impossible. Navient always encouraged forebeafance which gave me the chance to focus on other XXXX and XXXX. I finally learned forebeafance is a scam because it just add more interest to loans. This all started with XXXX XXXX XXXX! I have {$100000.00} in debt. I have filed a BDR to {$60000.00} federal with Navient, XXXX is was sued and have stopped collecting along with XXXX. But Navient private loan worth {$20000.00} that my father is a cosigner on is an issue now. XXXX is a fraud along with the loan servicers. I have came to realize it is a setup depressing like the mortgage crisis. If XXXX XXXX XXXX has been sued for fraud along with other loan servicers connected like XXXX and XXXX, why can Navient private loans stop also? It is fraudulent and Im sick of being tricked and giving them My money. Please help!!!!
Consumer complaint received 2021-04-03
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 (MS)

I ordered a item online, through my PayPal credit account on XX/XX/2021, and I cancelled the order within 24 hours of purchase. I received emails from the merchant " not '' acknowledging the request to cancel the order. I was still billed for the item, so I filed a dispute with PayPal through their resolution Department and I received an status email back stating my dispute did " Not '' qualify for a dispute? Since when in America, in accordance with American Consumer Law, does a citizen have to pay for a cancelled order? I actually cancelled the order within " 10 '' minutes of ordering it, but I am still being billed for the charge on my credit account. IT was a split payment, but [ t ] hat is an option PayPal gives the customer on how to pay if the customer wants to do it that way. I am prepared to file a complaint with the FTC and XXXX ( which I already did with XXXX ), this morning.
Consumer complaint received 2019-08-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (MO)

Im a single my of XXXX kids. One childs dad is deceased, I was In a bad car accident 7 years ago and an on XXXX! My XXXX year old was diagnosed with XXXX in XX/XX/2017 and had a major XXXX month after. I have loads of bills to pay just to keep food, house, car clothes and ect. My son goes to XXXX XXXX every month for XXXX which is a 2 hr drive there then 2hr back home gas I pay get no help to pay for food or gas! Im just struggling and I just need this one time to be forgiven for my loan thats all I ask! Im trying. But theres no extra money left over and I feel its going to continue sitting there and ruining my credit. I try so hard to keep it all together Im going to XXXX and XXXX  because Im so overwhelmed!
Consumer complaint received 2020-12-12
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. (CA)

i have a account from XXXX XXXX XXXX  XXXX account number XXXX its reporting on my credit report on XXXX as open account, but how can this account be open if the account is charged off and also this account not even mine. please have XXXX XXXX  double check my ss number is XXXX i know there are other XXXX XXXX in my town and maybe the name got crossed. i think this is a major problem that is hurting my credit, and i think XXXX XXXX  should delete this account from my credit report and make this right.
Consumer complaint received 2021-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I called Chase regarding a fraudulent charge on my account they immediately suspended my mobile and internet access. After my internet access was reinstated I noticed that charges were still pending and that I wanted them canceled they refused. I spoke to faith in the fraud department she hung up on me I called back and spoke to her Supervisor XXXX who directed me to another department i then spoke to XXXX who connected me to XXXX who also hung up on me. I would like to know why is a charge showing as pending and can not be reversed. Why is the FDIC not extended to customers of the bank. They take our money but yet when we have a problem they treat us like garbage and wont even try to assist us.
Consumer complaint received 2018-04-10
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: CL Holdings LLC (IA)

1 ) These accounts, opened in XX/XX/XXXX and XX/XX/XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XX/XX/XXXX thru XX/XX/XXXX timeframe. 
2 ) The address provided to and reported by XXXX XXXX is one that XXXX XXXX has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 3 ) XXXX XXXX and XXXX XXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX XXXX and XXXX XXXX to comply with : The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 4 ) This is the third account listed by a wireless company within the same time period. It is illogical that any legitimate account would have been opened with three wireless carriers by one individual in close succession unless illegal activity was involved.

It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.
Consumer complaint received 2021-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

So my name is XXXX XXXX and I made my PayPal account XX/XX/XXXX or XX/XX/XXXX of XXXX and I got a donation from an XXXX XXXX XXXX XXXX of XXXX dollars they sent it to my PayPal and I ordered the PayPal card so the money can be directed straight into my PayPal card once I activated it. On XX/XX/XXXX I called PayPal to activate my account to which they said that my account was frozen and I was upset because I got no email or no phone call confirming this was gon na take place and they never gave me a reason as to why my account was frozen in the 1st place. They told me to wait 180 days which is illegal because its not a bank so they cant hold anybody money and I need help
Consumer complaint received 2022-07-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have contacted Equifax on numerous occasions regarding my XXXX XXXX XXXX XXXX ( XXXX ) account. 

Equifax is stating that I was 60 Days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. According to XXXX records I was not late for those 6 months as reported by Equifax.