davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (RI)

I had an account with Coinbase Global IncXXXX since XXXX. The last time I logged into my account was XX/XX/XXXX. The last time I attempted to log into my account was on or about XX/XX/XXXX. The email I use for the account is no longer recognized. I have filed an online complaint through the Coinbase website. After sending the complaint there is a notice that indicated there is a high volume of requests and they will contact me when they can and not to submit another request. I have not been contacted by Coinbase to date.
Consumer complaint received 2021-05-31
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. (PA)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Consumer complaint received 2020-06-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Best Service Co.,Inc (CA)

As of XX/XX/2020 I have contacted both XXXX XXXX XXXX and their collection agency The Best Service Company to solve a collection issue that is two years old and I had to find out during a credit check. I noticed that the collection agency has only called me and left a voicemail, I can not recall the dates, and never gave me written notice of debts that are owed nor rights to dispute. XXXX XXXX has stated that I need to go through the collector in order to resolve the debt, but I have not heard anything from the collection agency. I'm also XXXX XXXX military and have noticed a plethora of charges on the account prior to sending to collections.
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate these unverifiable accounts 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
Consumer complaint received 2023-03-28
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: ALLY FINANCIAL INC. (NY)

On XX/XX/2023 The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well
Consumer complaint received 2021-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I recently applied and was approved for a macys store card. The website was down and the phone department seamed to always be down and unavailable to service my needs. I was approved for a card about 90 days ago, and I haven't received my statements or anything yet. I made 2 payments in the store at macys and just received my card. There is such vague information about this account, and I'm able to pay bill online, app, phone, or instore. If I make a payment on the phone they charge a fee that can't be refunded 9r waived. The ability to make a payment is not available for me and this seams alarming. The ability is always their, but is always down for service and then I try to make a payment input the checking account information and it won't take it. The account says they take debit card Information as well and there is no way to put that In the system as well. I call to make a payment on my account with a debit card and they charge me a fee to make a payment that is impossible for me to pay other ways, online, app, or on the phone due to the system always having issues and freezes and crashes for unknown reasons I reported to macys. But my complaint is they charge even if the other ways are out of order. Not fair.
Consumer complaint received 2021-01-07
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. (NY)

I am getting responses from credit companies stating that the complaint isnt being submitted by me. I am submitting proper documentation to verify that it is me uploading these documents and filing this complaint. I am just trying to remove items once again that were negatively reporting and were on my report without my knowledge. They were removed from XXXX  and XXXX  and then somehow were put back onto my credit report. According to law 611 ( b ) ( ii ) it states if any information that has been deleted from a consumers file is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion on writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

It has been well over 5 business days and I received NOTHING. These accounts aren't mine and they need to be removed again please.
Consumer complaint received 2020-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

TO WHOM IT MAY CONCERN JEFFERSON CAPITAL SYSTEMS ARE REPORTING A FRAUDULENT ACCOUNT TO MY CREDIT REPORT THAT DOES NOT BELONG TO ME TO ALL THREE CREDIT BUREAUS. I SENT A LETTER ASKING FOR VALIDITY OF THE ACCOUNT IN QUESTION TO PROVE THIS ACCOUNT IS ACCURATELY REPORTING ON THE RIGHT PERSONS FILE BACK ON XXXX XXXX AND I HAVE YET TO GET A RESPONSE. I CLEARLY STATED THAT I WAS NOT ASKING FOR VERIFICATION OR PROOF OF MY MAILING ADDRESS, BUT A REQUEST FOR VALIDATION MADE PURSUANT TO THE ABOVED NAMED TITLE SECTION OF THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g Sec.809 ( b ). THAT THEIR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. AN BASED ON THE FTC SITE I KNOW THEY HAVE STRICT POLICIES IN REGARD TO YOU REPORTING CONSUMER DATA. I ASK THE TO SHOW ME PROOF THAT THEIR REPORTING IS 100 % ACCURATE. DO NOT SEND ME A GENERIC PRINT OUT OR A BILLING STATEMENT. PROVIDE ME WITH THE ORIGINAL DOCUMENTS BEARING MY SIGNATURE.
Consumer complaint received 2022-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/XXXX I received a letter dated XX/XX/XXXX from Synchrony Bank with the Credit Card agreement for my XXXX XXXX card enclosed. In the letter ( attached ), Synchrony indicated they had made a mistake in not enclosing the Credit Card Agreement when I initially was approved for the card earlier in XXXX. As recompense they indicated in the letter that they would be issuing a credit for any fees and finance charges that were assessed to my account from date of account opening to XX/XX/XXXX. They further noted that any balances on my card for charges made up through XXXX XXXX would be moved to a 0 % interest rate until the balance is paid in full. 

Historically, i have not incurred any interest charges or late fees on this card and so the refund of these fees would not apply in my case. In terms of the 0 % offer, since my payment due date is XX/XX/XXXX i had already paid my balance in full by the time i received this letter and so I also did not benefit from this 0 % offer. Synchrony knew or should have known that certain customers would have made credit card payments by the time the letter arrived in the customer 's mail box thereby absolving them of providing equal benefit to all customers. Those who do not pay in full on a regular basis receive the benefit of 0 % while those paying in full receive no benefit. 

On XXXX XXXX I called XXXX XXXX customer service to complain about the late timing of the letter and the fact that there was no benefit to me since i received the letter after my payment due date. I noted that if Synchrony had sent out this letter earlier in the month that i would have also benefitted. I requested an extension of the period for charges at 0 % to be extended to new charges through XXXX XXXX, XXXX and the employee put me on hold indicating they would check with their supervisor. Shortly after, the line went dead and the rep hung up on me. No attempt was made to call me back even though I had verified with this person my cell phone number. 

I called back later in the day on XXXX XXXX and spoke with a different representative who indicated the supervisor the first employee spoke with denied my request. The second representative indicated there was nothing more they could do for me. I am writing to receive equal benefit for the mistake made by Synchrony and would like 0 % for new charges through a certain date, a benefit extended to others who suffered the same mistake that Synchrony had made. This is only fair and equitable for all customers to receive the same benefit. I hope CFPB can help in this matter.
Consumer complaint received 2022-02-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (IL)

I am a victim of identity Theft I have not received any phone calls from any debt collectors I have a police report the date of the action that were taken by this company was XX/XX/2022 the amount they saying I owe is XXXX
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (SC)

Dated Fri, XX/XX/2020 addressed upon complaining with Synchrony and Lowes stamp if relaying XXXX XXXX XXXX florida XXXX Attn : Fair Credit Reporting I am being unfairly denied credit and see an in accurate piece of information. 

My name is XXXX XXXX XXXX and I am asking for a reason the credit has been denied during a application I personally made in the last 72 hours with Synchrony Bank and Lowe 's Credit. 

I have a score that's is XXXX or above yet Lowes reports the score at the number ( s ) XXXX. 

My score is XXXX with XXXX XXXX XXXX respective using the XXXX XXXX app which is very well established and reputable. In fact, my credit is updated everyday and everything looks outdated and inaccurate with the Lowes denial Synchrony ongoing hard even too recognize if understand problem. 

Why is an old in accurate record preventing myself from getting fair and accurate credit reported. A copy of this letter will be sent wearily if further access is not being provided to the board of credit to foil the old dusty gathering of information. 

I can tell you I have zero disputes, no frozen transactions, I've made over 60 months of payment ( s ), I am current and in more than satisfactory perspective upon typing Synchrony XXXX XXXX purchase, and I have zero credit blemishes. 

There is no true reason for the denial. At a bare minimum we can see from the described letter campaign beginning that the information was misjudged by XXXX and Lowe 's is grabbing old information ( I don't think this is a problem solution matter it's illegal and someone is foiling me when more robust accessible and bright information certainly has our perspective ). 

I think it's important that a bias does not have the beginnings of certain I'll will with XXXX. 

I have a XXXX score and that's Fair Credit not poor and is significantly higher than the inaccuracy unjustly reported if ever represented ( resources showing all this are included with photos from the 3rd week of XXXX is week LAST and JUST quite recent ). 

I am not illegal or soliciting anything but there is a problems which is zero respect for me from XXXX  and I deserve to have a moderate amount of credit. 

Thus far as you know, I am asking for justifications and logic because I deserve fair and accurate credit reporting, as we can always expect. 

Please help. I need as little as less than {$500.00} from Lowes and will sure is take what I can get. 

If a lawsuit may commence for discriminatory practices please let me know where to begin. 

THANKS for continuing the conversation, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX SOUTH CAROLINA XXXX cC : XXXX ( XXXX ) XXXX
Consumer complaint received 2020-06-22
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. (GA)

I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (LA)

This company isn't following the FCRA laws and regulations, I've sent all the proper documents in to get this account taken off my profile and it hasn't been taken care of as of yet. I'm reaching out to you guys to help me with this matter at hand. Ive reached out to the XXXX and it wasn't resolved. The information being reported is very inaccurate, I let them know that I've been a victim and I have been taken advantage of, with all the proper paperwork. They never had any type of communication with me at all. So many violations.
Consumer complaint received 2020-11-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

My savings and checkings account was compromised over 6-8 times within the past two weeks. I contacted Chase every time an unauthorized transaction was posted to my account. I even locked my card and ask them not to allow anymore transactions to go through if I didnt personally authorized it. However, that didnt work. So, I asked Chase to restrict my account from any withdrawals or wire transfers. Even after requesting this information, in person and by phone ... my account is now not accessible to me and Im unable to have any access to my money because my License is expired ( during a global pandemic ... thats totally out of my hands ). I had other documentations to prove my identity ( such as, birth certificate, social security and a passport ) and I was still denied access to my money. Im currently unemployed ( due to the pandemic ) and my account was one way to collect my money to take care of my family and pay my monthly bills. Not only that, my sons birthday is on Sunday and now I have to disappoint him, because of chases security neglect. I just want my money ... so, I could bank else where. Apparently, Chase is not capable of upholding standard safety and security for their clients money.
Consumer complaint received 2020-06-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RICHLAND HOLDINGS, INC. (ME)

I contacted account Corp of southern Nevada to settle a debt with them that they bought off of a hotel that I had stayed at years prior. I gave them an offer and they responded that there was no way they could take anything less than the full amount and they couldnt negotiate anything less than the full amount because it was an eviction. They lied to me to try and get a larger commission on my debt.
Consumer complaint received 2020-06-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CNG FINANCIAL CORPORATION (CO)

Payday loan was taken out in XXXX. in XXXX was contacted by a debt collector and made a settlement payment of XXXX dollars on the original loan amount of XXXX. received a letter stating it was settled and closed. in XX/XX/XXXX I received a Notice to XXXX XXXX  account, I was positive I paid it but was unable to locate paperwork. I had just been laid off and could not change a levy so I called and made a settlement payment of XXXX. After the payment was made my wife received a letter to XXXX and she located the original payment of XXXX. We attempted to contact the original creditor and they can not locate the account, we have called the collector from XXXX and # 's are no longer active, we called the creditor that sent the XXXX notice and have not gotten any were to get my money back or stop any levy actions, we have left several vm messages with no return communication. Debt was paid and cleared in XXXX.
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX Balance : {$8300.00} XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XX/XX/2021
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$3900.00} ; XXXX  XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2020-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Skrill USA, Inc. (VA)

My skrill.com account was restricted on XX/XX/2020, for no apparent reason. Skrill requested I send proof of identification and proof of funds, which I did immediately. No response was received. I requested an update on XX/XX/2020 and as of XX/XX/2020, no response has been received. My account, with several thousands of dollars in it, is " restricted '' with no clear indication from this company of how to resolve the issue.