davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (MD)

XXXX is a cryptocurrency trading platform. Users can deposit and withdraw both cryptocurrency and USD using a payment system ( Plaid ), but this process is highly error prone. Earlier this year, XXXX 's payment system reported a deposit error which prompted me to make a second attempt at a deposit, which also returned the same error. Rather than make a third attempt, I closed the app and restarted, only to learn that both deposits had gone through. I immediately contacted support and was rebuffed ... for days. My solution was to contact my bank and issue a stop payment on these. Eventually, XXXX acknowledged the errors and apologized. 

On XXXX XXXX, I made a similar deposit of the same amount as before. I was unaware that my bank retained their stop payment order for this numeric amount, which caused the Plaid transfer to fail. XXXX alerted me and I attempted to deposit new funds, but learned that XXXX disabled the deposit option entirely. I contacted support and advised them of all this, but was again rebuffed with boilerplate. 

XXXX had stated they would liquidate any cryptocurrency balance at XXXX on XXXX XX/XX/year> to cover the balance due. Again, they did this while disabling the deposit function. I watched my account at the time specified and nothing happened. Over the next few hours, the cryptocurrency market experienced a significant downturn and XXXX deliberately chose to liquidate once the downturn stabilized at XXXX on XXXX XXXX, XXXX hours after they advised this would happen. The result? My balance was USD XXXX less than it was at XXXX on XXXX XXXX. They still have not reactivated the deposit system for me to mitigate my damage and recover the investments. 

The complaint is that XXXX is manipulating its online marketplace and liquidation procedures so that it becomes a market participant and not a marketplace. They further artificially inflate the balances by triple dipping on user fees. This is the sort of behavior that resulted in criminal charges and closure at other firms.
Consumer complaint received 2024-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial (TX)

I needed to get my car fixed. I was told Koalafi would finance the repairs. The cost of the repairs was only {$1000.00}. They have been taking {$110.00} out of my account every XXXX weeks for months. When I went to see when this will be paid off, I saw that {$770.00} has been paid and to pay it off it would cost {$1200.00}. I don't under stand how if I only borrowed {$1000.00} and I've paid back {$770.00} how is the payoff {$1200.00}.
Consumer complaint received 2024-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CT)

Synchrony Bank, an issuer of multiple store credit cards, is trying to charge customers {$1.00} a month for a paper statement. This is egregious. And they charge when there is a {$0.00} balance. This should not be permitted. How are elderly people who don't operate in email, etc going to manage? They will be penalized by paying a fee if they do not want to switch to online only?
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation (KY)

Had a credit line opened due to getting a credit account towards some camera equipment through XXXX for {$2000.00} on XX/XX/XXXX. We paid the remaining balance of {$1900.00} on XX/XX/XXXX to pay off the remaining balance on the loan. On XX/XX/XXXX received a credit card in my name with a line of credit stating {$1500.00}. This was never requested or approved by me. I received an email on XX/XX/XXXX saying that they were converting my Fortiva retail account with XXXX to an upgrade XXXX. I did not request this nor gave my permission stating I wanted this done. They have sent emails through the years but I never opened them because my line of credit for the equipment was paid in full XXXX years prior. I shouldnt have to answer an email to reject ANYTHING I did not request especially them running my credit without my permission or opening a credit card without me saying I agree or personally asked for. My credit was hit and lowered due to their actions. I called and had the account closed today on XX/XX/XXXX but never should have had to do this because I never asked to have this opened in the first place.
Consumer complaint received 2024-09-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

A collection appeared on my credit report from Fair Collections & Outsourcing. I reached to the company ( the collection agency ) to dispute this claim because I've never resided at any unit or property for the original creditor. The collections agency couldn't verify my information. I asked them to provide me with a contract or documentation that I supposedly signed. It's been over 60 days and as of today I still have not received anything. I reached out to the original creditor and they advised me that they could not discuss my file because it had been sold. But the original creditor couldn't verify my SSN # and date of birth either and I mentioned the account being with collections. At that point she told me she couldn't verify the information because the file had been sold not prior to.
Consumer complaint received 2024-12-02
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (TX)

I started receiving letters and text messages from a debt collection company about an outstanding balance in my name. I mailed a letter back to the company requesting written proof of the debt. All attempts made by myself to answer/return the calls ended in more confusion. 

I have still not received any follow up information or confirmation of proof of debt. 

I have not given consent to this company to use, share, collect, store, report, or sell my personal information
Consumer complaint received 2024-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (AZ)

I made a check deposit into my account which was new and my account online has been locked, they have rigged the debit card they sent to not be valid, and also they have not given me access to my funds after the hold date Ive had my client call and they lie and say they she hasnt, Ive gone to the branch but the branch refers me back online the phone department does not help if my account is gon na be closed then Im intitled to my funds
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My Bank of America account was hacked for over {$4000.00} and they didnt honor the discrepancy or put the money back in the account instead they made me- {$2000.00}.
Consumer complaint received 2024-11-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (WV)

I contacted a debt Collector radius global solutions XX/XX/XXXX about a collection account that was put on my credit file that morning for the amount of {$620.00} to find out what it was for and that had told me it was for a passed due XXXX  that was in my name and I tried to explain to them it was not my account but they neglected to talk about anything with me. The bill belongs to my ex wife that had opened a account after we spilt part and got divorced in XXXX of XXXX and that I wanted to dispute it for fraudulent activity and that the bill did not belong to me. So I filed a dispute using XXXX and they updated with no change saying its mine I want this off my credit and out of my name as it does not belong to me and Ive never had a XXXX  account in XXXX or XXXX
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC (MO)

To Whom It May Concern, This letter serves as a formal dispute and demand for action regarding the reporting of an alleged charge-off account by your company Total Visa on my credit report. The account is listed as a charge-off as of XX/XX/year>, yet the balance in question is under {$600.00}, and no 1099-C has been issued to denote debt forgiveness for tax purposes.

Pursuant to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting a thorough investigation of this account and immediate remediation of inaccurate or incomplete reporting. 

Legal Issues and Requests Debt Validation Under FDCPA : Provide me with validation of this debt, including the original signed contract that evidences my agreement to the alleged debt and any assignment contract demonstrating your authority to report and collect on this debt.

Failure to provide these documents will constitute a violation of the FDCPA and confirm the debt as unverifiable, necessitating the removal of this account from my credit report.

Incorrect Reporting and Lack of 1099-C Issuance : As per IRS guidelines , creditors must issue a Form 1099-C for canceled or discharged debts of {$600.00} or more. If this debt has not been forgiven, you must substantiate the charge-off status with complete records. If the debt was forgiven, provide the 1099-C immediately.

Continuing to report this account as charged-off while failing to issue a 1099-C misrepresents the account status and violates the FCRAs accuracy requirements under 15 U.S.C. 1681s-2. 
Procedures for Accuracy : Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ), you are required to describe the procedures used to verify the accuracy and completeness of this information. Provide this description within 15 days of completing your investigation. 
Demands I demand the following : Validation of the alleged debt, including the original signed agreement and any assignment of ownership rights. 
Immediate issuance of a Form 1099-C if the debt has been forgiven or proof that the debt remains valid and collectible.

Immediate correction of my credit report to reflect " PAID IN FULL/AS AGREED '' or complete removal of this account.

Failure to comply with this demand will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulatory agencies. I also reserve the right to pursue legal remedies for violations of the FCRA and FDCPA, which may include statutory and punitive damages.

This issue is of critical importance as it continues to harm my financial standing and creditworthiness, impeding my ability to secure basic financial opportunities. I expect your prompt response and resolution within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-13
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: CITIBANK, N.A. (NM)

I discovered two two charges for identical amounts for {$53.00} when I examined my most recent statement. I wrote to the Citicorp Visa approximately two days later advising that I knew nothing of the charges and requested that it be removed. Citicorp sent me documents by email on XX/XX/XXXX that were to be completed by me to certify that no authorized user on my account ( which I am the only one ) and I promptly completed same. 

On XX/XX/XXXX, a letter was generated by Citicorp to me advising that the investigation was complete, the charges were deemed to be legitimate, and that the provisional credits were reversed meaning that I owed the amount in question in the amout of {$100.00}. 

No information was provided as to how they made this determination. Upon learning of this letter, I again contacted Citicorp Visa and advised that this charge was indeed fraudulent, and it was incorrect for them to close an investigation, essentially calling me a liar, and removing the credits. The investigation was to be reopened and I was to be notified. This call took place on XX/XX/XXXX. 

I subsequently wrote a letter to the CEO of Citicorp, XXXX XXXX on XX/XX/XXXX. I have yet to hear back from her office. 

Today, I received my monthly statement with a closing date of XX/XX/XXXX which shows that the credits were still reversed, the charges were deemed to be 'legitimate ', and the original charges were re-applied. This tells me that the customer service manager to whom I spoke apparently paid me lip service and has disregarded my concerns.
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (NY)

I have provided proof of actual location disposition of the court I believe my wife opened an account under my name. I need all relevant data and contract to I may pursue damages of this fraud since you do want to let Me validate this credit report I have no proof of this debt and when I request it you say you want me to call. I am making contact now and I will not speak over the and I am a chase customer so this is a game your company is playing with cfpd to make it seem like your complayinh and attempting to resolve the issue
Consumer complaint received 2023-07-13
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX 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 the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$560.00} XXXX  XXXX Balance : {$210.00}
Consumer complaint received 2024-09-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (LA)

They stole my money and took my car and then tried to sell it to a different company after reporting them to the XXXX  they cleaned up their mess made fake documents that was not there before and I have proof ruined my credit my life still ruining my credit with this third party delaying me from moving ahead In life then after 2 years sent me the payoff balance of XXXX after fixing their mistakes removing the incorrect amounts thousands of dollars in mistakes and then sold it to a third party company without my permission they sent me a completely different printout of numbers. They are reporting inaccurate information. Two totally different numbers couldnt keep track of information breaking major laws.
Consumer complaint received 2024-11-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (FL)

Commencing on or around XX/XX/scrub>XX/XX/XXXX I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USDT and XXXX XXXX  from my XXXX  account to fraudulent investment firm ( s ).
Consumer complaint received 2023-07-13
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: RS Clark and Associates, Inc. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC (FL)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX my payment was {$170.00} so for XXXX it change to {$230.00}. I called customer service XX/XX/XXXX and asked how com it jumped up and he said the was a letter sent to me but I never received it. He couldnt understand English so it was hard for him to understand what I was asking. Also I payed the payment for this month and they took all of it and none was put on the card. XXXX payment is {$290.00} another big jump in over the last past 5 months. I cant afford this minimum payments theyre asking for and leaving nothing on the card after I make a payment. Please help to solve this problem because at this point Im feeling like that are doing this to me because of my XXXX. I have been with them over a year and been asking for increases credit and keep getting denied. Thank you for your time and hope to get help soon!
Consumer complaint received 2023-12-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Received phone call from XXXX indicated they were process server attempting to serve after failed attempt. Advised me to call XXXX and gave me case number. Called and they advised about a 2012 debt for Bank of America card for XXXX. When advised never had that card and never received any written notification, they asked me to take care of debt over phone or process server would be to our home in next half hour. 

When said needed in writing again, hung up. Called back asked for their address and became hostile. Then advised would transfer to first person spoke with and never connected. 

The first call was answered as XXXX and XXXX. Then second call was a rep in legal department it said.
Consumer complaint received 2023-07-12
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. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.