davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IN)

On XXXX21 at XXXX XXXX. I received three text messages saying my Coinbase verification code is XXXX. I found this to be odd because I hadnt had any transactions or authorized any transactions in my Coinbase account in months. At that time I opened my coinbase account to see what was going on and I noticed my XXXX had been sold and multiple transaction were being made without my authorization. Someone had hacked into my account and was selling off and stealing all my assets. I had already lost {$8000.00} and they werent done. I was able to send {$3300.00} to my personal bank account which I thought would be safe but the hackers immediately made a transaction from my personal bank account which was linked to coinbase for {$3000.00}. So I lost the {$3000.00} from my bank also. 
I immediately tried to call the phone number provided by coinbase but had no luck. I found an email option to file a fraud cause, so I did. Fraud case # XXXX was filed on my behalf. The return email stated that they received my email and would reply once they had more information to give and at this time my Coinbase account is locked. I have not heard anything back from Coinbase and are unable to talk to anyone about this case. Ive potentially lost around {$14000.00} and cant gain access to my account to actually see how much damage has been done. Id like to at least speak to a Coinbase representative to know they really are trying to help me. Ive read horror stories since this incident about Coinbase customer service and Im starting to see why there is so much distrust in Coinbase. I need someone to help me with this issue. Im just a blue collar worker trying to invest small amounts of my check each week Im hopes of making some extra money for retirement and its been stolen and I cant even speak to nobody about it. Coinbase is a multi billion dollar publicly trade company with zero customer service. PLEASE HELP! Thanks for your time XXXX XXXX XXXX
Consumer complaint received 2018-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION ()

On XX/XX/2018, my wifes Capital One Mastercard credit card was stolen in XXXX, XXXX. We called Capital One immediately and cancelled the stolen card. Starting in XX/XX/2018, small charges ( {$0.00}, {$1.00}, {$1.00}, {$2.00}, etc. ) starting showing up repeatedly from three merchants : XXXX, XXXX XXXX ; XXXX ; XXXX. These entities are all associated with bridge/road tolls in XXXX, XXXX. My guess is that someone has setup toll accounts using my wifes stolen credit card.

As of XX/XX/2018, new fraudulent charges are being posted every few days despite my repeated efforts to get Capital One to stop these unauthorized transactions. All Capital One seems to do is post adjustments to my account after I call and dispute specific charges. Capital One claims that there is an ongoing investigation, but I have not received any mail, email or phone calls from any investigator ( as they claimed would occur ) concerning this investigation. How is it possible that Capital One can continue to process transactions against my account with a credit card that is acknowledged to be stolen?
Consumer complaint received 2021-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

I contacted XXXX XXXX Apartments for verification of inaccurate debt. The property manager responded she did not have any details on the matter and referred me to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX # XXXX XXXX, GA XXXX. 
I contacted XXXX XXXX XXXX who also stated they did not hold any collections accounts to contact XXXX XXXX XXXX XXXX. 
XXXX, FL. XXXX I contacted Hunterwarfield on XX/XX/XXXX, which has not been able to provide me with any details or verification of this debt. 
I submitted a dispute with XXXX over the phone on XX/XX/XXXX. 
XXXX responded with a letter stating the account has been verified as accurate. The information is inaccurate and I am requesting for it to be deleted from my consumer report immediately.
Consumer complaint received 2018-12-19
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

XXXX was informed on XX/XX/18 that I can not accept personal calls at my work place because my employer prohibits them. However, since then, I have received continuous calls at my work place from XXXX and various other XXXX employees ( audio recording available ). Furthermore, One Main Financial has my cell phone number. Thus, there is no reason for them to be contacting me at work.
Consumer complaint received 2018-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

This account was settled on XX/XX/2018 along with 2 other outstanding accounts with this firm. However this one remains as an active collection. Repeated attempts to resolve the issue have failed. I'm requesting relief/ assistance from the CFPB in this matter
Consumer complaint received 2018-12-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

On XX/XX/XXXX I applied to refinance my car, immediately after a collection account was placed on my credit report by XXXX XXXX XXXX XXXX for a debt I have no knowledge of as if the company has something which alerts them to when someone applies for new credit. I tried to dispute with all 3 credit bureaus, and I received notification that the investigation has been completed and found to be valid as of XX/XX/XXXX. I tried to follow up with the dispute as I do not owe any collections or have any past due debts. I have 100 % on time payments reporting for all of my credit history. When trying to follow up I was requested to send a copy of my social security card and drivers license to add a fraud alert, however this is not fixing the issue of the invalid collection which has been added to my credit report without being verified or researched. This collection needs to be deleted as it has not been verified.
Consumer complaint received 2023-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

The debt collector refused to help or hear me out on the facts. Also refused to give any contact information to anyone else whom could help me. In XX/XX/2019, I had a new contract made with my ex partner with the apartments so my credit wouldnt be affected he was given the new contract in XX/XX/2019 by the administration in apartments. I was no longer on the lease he was. Now Im being charged for a debt that isnt belonging to me.
Consumer complaint received 2018-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (OK)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against RECEIVABLES PERFORMANCE. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2021-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (MI)

I alerted my bank that I may have been a victim of a phishing scam and needed to stop a XXXX payment in attempt to stop the transaction from going through. I contacted PNC bank within 12 hours of the transaction and was told a dispute would be opened in order for them to do an investigation into the matter. I sent funds through XXXX, a secondary service found in my PNC app. I was denied my dispute despite the fact that I informed them of the scam and I was told there was nothing to be done due to my authorization of the charge. I was under the wrong impression and was unable to get my money back despite PNC knowing that it was a scam.
Consumer complaint received 2022-12-20
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. (FL)

I have submitted multiple disputes and FTC regarding these accounts that do not belong to me and they are still reporting on my credit report. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2018-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (WV)

BB & T sent balance and check clearance notifications by email before the bank was open, between XXXXam and XXXXam, then charged an overdraft fee for a single item as soon as the bank opened, which then generated an overdraft notice by email. Processing transactions and sending notices outside of banking hours, especially at XXXXam-XXXXam gives no opportunity to me to do anything about any notices I receive. BB & T reordered my transactions. There are two electronic deposits pending which each are an amount that would cover the overdraft on it's own. I regularly see BB & T hold transactions as " pending '' for an extended time, both credits and debits when the account balance is low. It is obvious that BB & T 's computer system has been set up to both hold and reorder transactions when the balance is under a certain threshold in order to generate overdraft fees. I have previously warned BB & T that I will close my accounts and change banks. I have already closed a money market account and will close my checking account next if my transactions are rearranged or held again.
Consumer complaint received 2018-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America says I have " residual interest due '' even though I paid the account on time, by the due date, in full. How is that possible? Although the amount is nominal, it is the principal. How can the " balance '' NOT BE THE BALANCE DUE???? When I questioned why I had a balance, I was told by the rep that it was " residual interest ''. I paid the amount because I don't want my credit to be destroyed over this amount. I want BOA censured or whatever it takes for them to stop ripping off the public.
Consumer complaint received 2021-10-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (CA)

I had an account with Simple Bank which stopped service this year and my account was transferred to BBVA. I couldn't access my account through BBVA because of technical difficulties. Then I forgot to try to access it for a couple of months. I barely used the account anyway and I transferred money in it to cover the very small withdrawals I knew were coming out of the account. Simple Bank did not charge overdraft fees but BBVA does and I did not realize this. I received letters from BBVA but I thought were just statements at first. The totals at the bottom of the letter were positive numbers and I didn't read the notices very closely until the number was larger than I expected. I was not contacted in any other way. I accrued over 19 NFS charges from XXXX - XXXX totaling over {$700.00}. Most of the charges were for AHC withdrawals of {$3.00}. I tried to see if BBVA would help me remove these charge, but when I tried to contact them, I learned that they were acquired by PNC. Then I tried to contact PNC but they were so overwhelmed by the acquisition that I couldn't access my PNC account for weeks after this realization. Getting a hold of anyone at the company was nearly impossible. After finally getting my account information and contacting them again about the fees, PNC says I am responsible for all of these charges because they happened when my account was owned by BBVA and that I should have contacted them while I was still a customer with them. I had ~ a 4 month window to get in contact with BBVA about a problem I didn't realize I had for a bank account I barely used. PNC said they would forgive 3 of the charges but I am responsible for paying the rest of them. I can't believe I have no course for resolution and they can not offer any help beyond 3 courtesy fee waivers. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (AP)

XXXX Hospital - Date of Service : XX/XX/XXXX Account Status : [ PAID IN FULL ] FRAUD COLLECTION PRACTICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of services of " Observation '' for services rendered on XX/XX/XXXX XXXX {$730.00} ) and XX/XX/XXXX ( {$910.00} ) Reporting : XXXX  and XXXX   ACTION TAKEN : Cease & Desist and Dispute with credit agency.
Consumer complaint received 2018-12-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SANFORD & ADAMS, Attorneys at Law PLLC (MS)

XXXX XXXX is trying to sue me and garnish my wages for debt that was created well over 3 years ago. In Mississippi, the statue of limitations state that after 3 years, they legally can not do that. They turned my sent over to a collection company called Sanford and Adams in XXXX Mississippi. They canning keep violating my rights and trying to take my hard earned wages. Something needs to be done. XXXX currently has a lawsuit against them relates to outrageous overdraft fees!
Consumer complaint received 2018-12-19
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. (GA)

I checked my credit report and saw a few fraudulent accounts on my report. The acounts are as followed : EXPERIAN XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$1200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5700.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$3200.00} OPEND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$4100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6400.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$2800.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$2900.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1100.00} OPENED XX/XX/XXXX XXXX XXXX   XXXX {$1900.00} OPENED XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-12-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: American Credit Acceptance, LLC (LA)

On XX/XX/2018 a repossession agent sent by XXXX XXXX XXXX on behalf of American Credit Acceptance ( the lender for my motorcycle loan ) approached my home wearing a badge and stated he was there with the sheriffs department and to call the sheriff to get my motorcycle back. I do have photos and videos of him wearing the badge and witnesses to the conversation and misrepresentation as a local government official. I did call the police and the sheriffs dept who were unaware of this man and his business or why he was representing the sheriff during a repossession. The company also claims I owe just {$780.00} for the towing fee which is above the max allowed and even my lender said they normally only see amounts from $ 200- {$300.00} and were unsure why my bill for towing is so high. I have attached a couple photos but have plenty more and a video if needed
Consumer complaint received 2018-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Credit Corporation (FL)

I have 2 issues with Avant Credit card accepting and processing payments.

1. I used my banks bill pay for a {$160.00} payment to Avant. The bank mailed a physical check that was processed by Avant on XX/XX/XXXX and the funds were removed from my bank account. I called Avant on XX/XX/XXXX and I was told the funds were received but would not reduce my available credit until XX/XX/XXXX. I payment made 2 weeks earlier using my same bans bill pay was received and processed in 2 days but because the next bill pay is {$160.00} they are holding it for 7 days. 

2. My current balance on my Avant credit card is {$76.00}. I attempted to make this payment using the Avant website and it will not allow me to make the payment. The error is that the amount it too much. I called in 2 times and I was told by both Avant employees that I can only make a {$40.00} payment using the website or over the phone. I asked to speak with a supervisor and was told they would be unable to assist me. After asking a few times I did speak with a supervisor who was not sure why I could not make a full {$76.00} payment. This credit card company charges interest based on a daily balance. It appears they are refusing to accept full payments so they can collect more interest. Who knows how many people do not understand this and are taken advantage of by Avant.
Consumer complaint received 2018-12-18
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)

XXXX XXXX XXXX is still reporting this fraudulent account to Equifax but had deleted from XXXX, XXXX! I have mailed XXXX XXXX a notarized FTC affidavit XX/XX/2018 but they keep mailing questionnaire and Im not filling it out because you will not get my information or signature on this fraudulent account or receive my personal information! I have faxed the FTC report to Equifax and they told me XXXX XXXX is still reporting this fraudulent account and Equifax is allowing it! This fraudulent account better be off my Reports or I will file small claims and file a complaint to the state attorney general on Equifax and XXXX XXXX! XXXX has deleted this fraudulent account off of XXXX  and XXXX  but is still reporting to Equifax!!
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Complete Care, Inc. (TX)

To whom may concern Hi I received today and letter email from a collector saying that I owe to Mayfair, and I already told them that I don't owe anything.

I paid every cent. Now they trying to charge withe amount of {$870.00}. I don't owe that money. Here is the proof that the amigos is cero balance. I will you attached documents. I return the furniture. The quality is bad from XXXX furniture actually the owe me money to sell me bad quality furniture. Froude merchandise.
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. (PA)

Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-12-19
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)

EXPERIAN IS NOT FOLLOWING THE LAW AND THEY ARE JUST USING THE XXXX SYSTEM FOR AUTOMATION! 


THE FOLLOWING PUBLIC RECORD BELOW IS COMPLETELY INACCURATE, INCOMPLETE AND NEEDS TO BE DELETED IMMEDIATELY! 

US BKPT CT FL XXXX # XXXX 1. THE COURT NAME IS WRONG 2. CONTACT ADDRESS IS MISSING 3. CONTACT PHONE NUMBER IS MISSING. 
4. The DATE FILED IS INCOMPLETE, MISSING THE DAY, ONLY SHOWS MONTH & YEAR 5.THE ADDRESS ASSOCIATE WITH THE PUBLIC RECORD IS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX FL XXXX IS INACCURATE BECAUSE THE APARTMENT NUMBER IS WRONG ALL INFORMATION MUST BE COMPLETELY 100 % REPORTING ACCURATELY
Consumer complaint received 2021-10-27
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: Hawes Klein LLC (GA)

I tried to call all three bureau 's and the company, i even wrote numerous of letters to explain that this is not my account. i asked the company to provide proof of contract and they keep sending me a bill, which is not my bill? A bill does not show proof that i signed a document. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V Gravens ( MO ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I know my rights and they are trying to make me pay a debt that does not belong to me. The credit companies sent me someone else 's credit report a while back so what makes me believe they are not mixing me up with this person again.