davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (MT)

In XX/XX/XXXX I opened a Coinbase account and made deposits from my bank totaling {$7000.00}, to purchase certain cryptocurrencies that Coinbase supports. On or about XX/XX/XXXX I discovered that I could not access my account because Coinbase had locked me out and declared the account " Restricted. I submitted a support ticket to Coinbase making them aware of the issue. During a phone call with a " supposed Coinbase regulator '' remotely, he took over my computer remotely, accessing various files and uploaded my drivers license onto Coinbas 's recovery protocol. On XX/XX/XXXX Coinbase notified me that " Your Coinbase account recovery is successful, with no explanation why the account was frozen in the first place. On XX/XX/XXXX, I tried to access my Coinbase account, only to discover the account is restricted again. I had had no activity in the account between the two lock outs. 

I submitted a support ticket and Coinbase responded on XX/XX/XXXX with directions to click on a link that required me to pay {$490.00} to recover my account. I refused to the demand to make a payment. They responded by lowering the amount to {$380.00}! I immediately initiated another support ticket to Coinbase with copies of the the bizarre demands to pay money to recover my own account and my own assets. Coinbase has not responded with my request for support. If XXXX XXXX or XXXX XXXX tried this tactic with its clients, they would be shut down in a minute. I have no sense of control of my account or the my assets. This is America and in America we call this type of business practice as an unlawful, deceptive, fraudulent violation that demands regulation and punishment. Sadly, I don't believe that I am the only victim of what appears to be a one way scam. I am hoping that the Consumer Finance Protection Agency is able legally help rectify my situation and regain my liberty to access my own assets. Thank you for your attention to my request for your help in this matter. 
XXXX XXXX
Consumer complaint received 2021-08-03
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. (TX)

Hello - I really need your help on this. I mailed letters to Equifax, XXXX  and XXXX  on XX/XX/2021, specifically about inaccurate and unverifiable items on reporting on my credit report. I understand Covid 19 has delayed many, while short staffing others, but it has been well over 45 days and I have not received a response validating the inaccurate and unverifiable items. I was told the burden of proof is on the data furnisher so please help me get the proof to their claims. Not that familiar with the law, but I did see section 611 in the fcra, it says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 45 days these accounts MUST be deleted immediately, especially without merit or validation. I demand these accounts be deleted immediately or undated accordingly. If not, I will explore all legal options, I not limited to litigation due to the mental stress this is causing me and my family. 

I would like the items I disputed in my letters to be handled by the instructions of the accounts and be removed from my credit report immediately. Thanks for your assistance and take care duiring Covid 19!
Consumer complaint received 2022-04-06
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. (TX)

I am a victim of identity theft and filed a report with the FTC. 
I have been disputing these fraudulent accounts on my credit report now for a long time. 
These companies have been unable to provide any written contact with my signature and have been unable to validate the debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Account number XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$3500.00} Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$180.00} Account number XXXX I have attached a copy of my identify theft report
Consumer complaint received 2022-03-09
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. (TN)

I recently sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.
Consumer complaint received 2021-08-03
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. (TX)

I sent a letter to Equifax, XXXX and XXXX on XX/XX/2021 letter about inaccurate and unverifiable items on my credit report. It has been over 45 days and I have not received a response from anyone. 

I am sypmathetic to the Delta varient increase, but I feel like my dispute letters are being ignored and that I am being taken advantage of because I am not a major corporation. You know this better than I, but Section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 45 days these items should be deleted immediately. 

I demand these accounts be deleted accordingly. You are my hope to resolve this matter without litigation, but I am prepare to file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. 

My information was impacted by the Equifax data breach I am demanding that all items on my credit report is validated with PROOF, not statement printouts. 

PLEASE HELP remove, delete and update the items I disputed in my letters to be handled by the instructions of the accounts and be removed from my credit report immediately. Please intervene and assist me with this request. Thanks!
Consumer complaint received 2020-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA and FTC ISSUES Unauthorized credit inquires - XX/XX/XXXX and XX/XX/2020 ... credit inquiries without my written approval - XX/XX/XXXX ... XXXX XXXX XXXX XXXX XXXX. Only authorized XXXX XXXX   XXXX  XXXX, TX
Consumer complaint received 2021-07-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

XXXX Equifax and XXXX are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 7th dispute letters to Equifax, XXXX and XXXX since XX/XX/ 2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I deposited a check on XX/XX/2022 at XXXX pm my receipt said available XX/XX/2022 at XXXX am on XX/XX/2022 at XXXX I received a email say it was an additional hold until XX/XX/2022 at XXXX so I called corporate off and informed them my mother was sick and needed some funds to get a bus ticket and hotel for two nights and they said theres nothing they can do for me my check was XXXX the bank acting manager told me she had the authority to release the funds but she was uncomfortable doing so and the bank said the federal reserve put the additional hold on my check and there was nothing anyone could do just keep check my account cause it can be released at any time
Consumer complaint received 2020-12-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HORIZON BANK (LA)

I am so upset and frustrated with this bank that I made a deposit at a bank teller in Louisiana, and when I put the money in, the teller told me that he could not make my transaction but he could not refund the money either and he printed a receipt that said to take him to the bank, and now they see me with a fool face there, everyone inside the bank as if I were lying about it, they make me wait they say 3 weeks or what do I know how long for my money to be available and in the meantime they charged me and they charge overdraft fees, it's stupid what they do to me, I actually have the receipt from the cashier with time and amount and they can't put my cash in my account, what's wrong with them, now I'm super overdrawn because of so much charge they make me, it's Unbelievable indeed, I am a student and I depend on little money for my needs, in truth what a bad service they have in this Bank, sorry to be with you.
Consumer complaint received 2021-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The company Portfolio Recovery Associates, LLC had been repeatedly calling, harassing, even sending letters stating I owed {$2300.00} to them because they had purchased a debt from XXXX XXXX on XX/XX/2020. They reported a open collection account to XXXX, XXXX, XXXX. On XX/XX/2020 I sent a request for validation, NOT Verification letter disputing this collection. On XX/XX/2020 they sent letters claiming to have verified the account and sent copies of old statements. I've sent several dispute letters via certified mail to validate or remove this account from my credit report, they violated the FCRA.
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was notified by credit monitoring on XX/XX/22 that a new business credit card had been opened under my name at Bank of America. Despite being a regular banking customer with them, I was not notified by them of any attempt to secure a credit card. I only found out about this through a third party. This credit card is now showing on my credit report. 

I called Bank of America and created claim # XXXX the next day, on XX/XX/22, and informed them that this was a fraudulent card that was opened on my account. They indicated they would note the account. 

Today XX/XX/22 I received a text message that my Bank of America credit request was approved despite their knowledge that this was a fraudulent request.
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Have a XXXX  XXXX card on my credit when I never signed up for said card. Also credit pulls for capital one credit card twice when I opted out already and they keep trying to offer it to me
Consumer complaint received 2021-02-05
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (VA)

My mother, an elderly ( XXXX ) XXXX  XXXX, was taken advantage of by a former student, facilitated by the predatory lending practices of the lenders, initially to cosign on a XXXX  loan with encouragement from the lender and then she was duped into allowing the lender, Navient to make direct withdrawals from her bank account to make payments on the student loan. 

Navient directly withdrew the payments from my mothers account from XX/XX/XXXX through the end of XXXX. We discovered the withdrawals in XX/XX/XXXX and immediately contacted Navient and insisted that they cease the withdrawals, yet they continued to make withdrawals for two more months. We then entered a stop payment order with my mothers bank yet Navient contested that stop payment order even knowing that they were not authorized to make such withdrawals. 
Navient engaged in predatory lending practices by directly facilitating the taking advantage of an XXXX XXXX XXXX in order to receive payments on the XXXX  loan when it became apparent that the borrower was not willing or could not make payments. Navient admitted to us that it in fact talked with my mother in XX/XX/XXXX at which time Navient laid out the options for her assuming responsibility for the loan payments. In doing so, Navient directly participated in taking advantage of my mothers compromised position. Navient knew that my mother had no familial relationship to the borrower. Instead of encouraging her to assume responsibility for the loan, Navient had the responsibility to explain the borrower 's right to loan forgiveness and to inquire further as to my mothers ability to make that decision to assume payments on the loan. My mother had no legal obligation to assume those loan payments, but Navient willingly accepted those payments despite her position as a XXXX XXXX  who lacked the means to make those payments without adversely affecting her own financial condition. 
Navient failed to exercise due diligence in investigating my mothers capacity to make direct payments on behalf of the borrower. The result was that Navient participated in and facilitated the fraud against her. At the time Navient pressured my mother to assume responsibility for the loan, Navient had written documentation that my mother was living on a fixed income and lacked the means to make the payments without jeopardizing her own financial condition ( copy enclosed ). Navients actions were irresponsible and constituted predatory lending practices. 
We have reached out directly to Navient, but they refused to come even close to making my mother whole for losses from their wrongful withdrawals for more than 10 years from her account. They offered to return to her only about 20 % of what they took from her. 
We ask that Navient be ordered to repay my mother all monies that Navient withdrew from her account, with interest.
Consumer complaint received 2022-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (NJ)

REF. ) : Account # XXXX YOU BROKE THE LAW & ARE IN VIOLATION OF THE FDCPA Pursuant to 15 usc 1692 c ( a ), you must have my direct consent and written instruction to contact me in connection of debt collection. NEVER! Did I give such consent or instruction. Also, Id like to make it explicitly clear that ALL debts are ALLEGED Pursuant to 15 usc 1692 ( a ) ( 5 ). Therefore, telling a Natural Person they owe anything is a direct violation of federal law according to the FDCPA! Also, NEVER was I provided with the 5 things that are REQUIRED under Federal Law in connection with collection of this alleged debt, Pursuant to 15 usc 1692 g ( a ) 1-5 after your initial communication.

Id also like to point out the use of the term loan, this term is not defined anywhere under Federal Law! So why is True Accord using such terms? It is illegal and highly unethical to use terms that will mislead the consumer. I must understand every credit transaction & True Accord has yet to provide such clarity. Making any loan null and void According to True Accord they received my private personal identifying information from XXXX  XXXX. NEVER! Did I give XXXX  such authorization or written instruction to communicate to a third party my private information or be contacted by said third party Pursuant to 15 usc 1692 ( c ) ( a ). I have a right to privacy! Which both parties are in violation of those rights. Since I did not give True Accord my private identifying information directly, I will be treating this as Identity Theft which is illegal Pursuant to Federal Law! Pursuant to 15 usc 1692 ( j ) it is also a violation of the FDCPA to furnish certain deceptive forms to create the false impression anyone, but the creditor is participating in the collection of a debt. This is apparent when continuing to coerce me to make payment payable to TRUE ACCORD who I NEVER did business with nor whom was present for said alleged obligation. 

It is becoming abundantly clear of True Accords gross negligence in complying with Federal Law. All debt collectors must comply with the FDCPA and are liable for All violations pursuant 15 usc 1692 K! 

True Accord has violated my federally protected rights and are liable for said violations In the amount of {$5000.00}!. I expect a check be sent to the abovementioned name and address you have on file in the amount of {$5000.00} no later than 7 days after receiving these communications & all communications with me going forward shall cease and desist. The account you have in my name be deleted and any obligations be XXXX Out completely. If I do not receive my check & deletion of all alleged obligations. I will use every resource available to me to collect remedy not limited to Federal & State Court. 

Attached is an invoice payable to my name.
Consumer complaint received 2020-12-01
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: WELLS FARGO & COMPANY (NJ)

XXXX XXXX  is telling me that I have a pending civil lawsuit with Wells Fargo on a past balance due. 
This account never existed. I never received any communication. This account is not on my credit report. 
They keep threatening me with having to go to court. I asked them to show me proof and they refuse.
Consumer complaint received 2021-02-05
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: Shellpoint Partners, LLC (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX  and Shell Point. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500000.00}. The Account Opened is Shell Point Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$190000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2021 I received a text from the number XXXX stating the following : " Bank of America FRAUD : Did you attempt to send money with XXXX for {$2900.00} on XXXX Reply YES or NO. '' I replied NO and, a few moments later, received a call from XXXX stating the individual was from Bank of America and he was following up on an attempted fraud transfer through XXXX to an individual with XXXX XXXX XXXX XXXX. He said we needed to walk through a series of steps via mobile banking to ensure we could reverse the transaction. Over the next 20-minutes, he directed me, step by step. I saw what he called alias account information in my name with XXXX XXXX XXXX XXXX and received confirmation emails to my personal account. I also saw the name " XXXX XXXX '' who was attached to the XXXX account. When I asked who she was, he said she was the person to attempted the fraud. As soon as I hit transfer -- which based on what I was looking at was TO MYSELF -- the call dropped and I instantly understood what had transpired. 

I instantly contacted the fraud department at Bank of America and they said they'd open a claim ( a process that takes up to 10 days and holds 45 days for the bank to determine if it was indeed fraud ). I also contacted my wireless provider. 

The next day, I went into a branch location with the screenshots I had taken during the fraudulent event, and faxed them to the BofA Fraud Department. I was told by the branch manager that I had very little chance of getting the funds returned as XXXX makes it difficult to prove, and the receiving bank would have to cooperate ( unlikely if they funds had already been withdrawn ). A truly unfortunate situation, especially as I've banked with this financial institution for nearly 20 years.
Consumer complaint received 2021-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/2021 i attempted to make a debit card transaction with my business debit card. The transaction was declined, and i had sufficient funds to cover the transaction. I called the BB & T Help number listed on my card, after being on hold for an hour and 32 minutes i spoke with a representative, who then transferred me to the fraud department. The representative in the fraud department informed me that BB & T had chose to close my business account due to a check being returned that was deposited into my account and due to the age of my account ( being fairly new ) i have been banking with BB & T for about 8 months now. I expressed to them i have no control over funds availability from checks that my clients right me, if they write me a check i assume that the check is good. We should not be penalized for this as it is out of our control. My account balance at this time is {$12000.00}. The bank has frozen these funds and say that they will be releasing them within 15 business days, which correlates to the end of XXXX. I am also going to have to open a new business bank account, notify my merchant processing company of changes to account information for incoming deposits my customers make via our online portal which is the method 95 % of my customers choose to pay. This change takes 10 business days. I can not begin to express the problems that holding this amount of money will cause for our business. We will also be delayed from receiving any future payments from clients until a new bank account is opened and the bank account change processes with our merchant processing company. All in all BB & T will be causing our business to operate without funds for close to a month. For a new business operating off of cash flow, this is crippling and will likely put us out of business or set us back so far that it will take a very long time to crawl out of. After making it through COVID19 we thought we had made it through one of the darkest times we would face, i now stand corrected.