davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CT)

On XX/XX/XXXX around XXXX I attempted to buy {$1500.00} worth of BTC from coinbase.com My bank refused the charge.

On XX/XX/XXXX I noticed that I was not able to login to the exchange XXXX. I would get the message " error, please contact support. '' On XX/XX/XXXX I called in support at XXXX to ask what happened and they told me my account was flagged because of the charge refused by my bank on coinbase.com.

Please note, I can login to coinbase and NOT XXXX.

On XXXX  I have approximately {$8600.00} on that exchange in my account that I can not access.

The company coinbase has on file, my fingerprints, drivers license, bank statements, passports etc. More than enough to confirm that my account has no fraud activity on it.

I emailed the company on XX/XX/XXXX explaining what happened with my bank and clouded screen shots of emails as well as copies of bank statements. They responded and told me the following " For fastest response, please do not create multiple tickets about your issue. '' It is now XX/XX/XXXX and I still can not login to my account and therefore have no access to my money.

The company is holding my money hostage with no proof of fraud- in fact I have been fully cooperative in linking my bank accounts and providing all identification to prove that I am myself, XXXX XXXX XXXX . I am a XXXX XXXX XXXX with the state of Connecticut and a citizen of the United States and do not appreciate a financial exchange robbing me of approximately {$8600.00} by not allowing me to access my money.

At this point I have called them onXX/XX/XXXX and XX/XX/XXXX and receive similar responses from the customer support team ; that my case is going to a specialist and that I have to wait for a undefined span of time. Also that they can't " tell me that information '' when I ask questions regarding my account.

At first they claimed it would take 4-5 business days to resolve. That time frame has now been surpassed.

I have looked into this issue and it seems that many customers have had a similar issue. The Coinbase/XXXX company blocks people from logging into their accounts and blocks access to their money from anywhere from 1 week to 6 months or longer.

Also since the chargeback occurred on coinbase.com there is no reason why I should be blocked from accessing my money on the gdax.com exchange which is separate website and exchange. I didn't even know that they were under the same ownership as they appear as two separate sites.

Please help me in this matter.

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-13
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

Synchrony bank closed my Sams Club credit card claiming I had too many unhonored and rejected payments in XXXX. I did have some payments get rejected because when I set up my auto pay I accidentally left off a number and they couldnt get a payment this happened for two payments until I became aware the payments were late. After investigating I saw the discrepancy and fixed it. Another time i was paying the card completely off and sent a check. Due to the mail debacle in XXXX Ga my mail was lost and I could no longer track it. I stoped payment on the check and sent a new one via XXXX. I called synchrony bank and let them know I stopped payment on the lost check gave them the check numbers and told them not to cash it. They finally get the lost check days after the good check and cashed it anyway. Another time, my debit card was lost and I changed debit cards and a payment tried to come out while my debit card was in limbo. All this happened in XXXX. Its XX/XX/XXXX and I have kept a low balance, correct auto pay and have not had an issue ever since and they closed my account without prior notice and had the nerve to say I was a valued customer when I called customer service to inquire why. The account is still on autopay. I am extremely upset with them because I feel like they could do better with customer service and their actions will make my credit report look bad and my score will drop immensely due to something that was fixed last year XXXX am enraged because I feel targeted, synchrony bank closed my care credit card a few years back because I wasnt using it enough when all I was trying to do was keep a low balance and I needed it for my XXXX XXXXXXXX and they closed it. For no good reason.
Consumer complaint received 2018-03-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (LA)

I created a Coinbase account last year to dabble with cryptocurrency. This process involves submitting a picture ID ( Drivers License ), a photo using your computer 's camera, personal info, and banking information. Your email address is submitted as well and used as your user name for access to your account. Coinbase uses a 2 factor authentication process if you or someone tries to change your password.

I made a few small investments in Bitcoin and Ethereum in XX/XX/XXXXor XX/XX/XXXX.

InXX/XX/XXXX I switched internet service providers at my home which inadvertently shut off access to the original email address used to set up my Coinbase account. I forgot to go online and change the account information to my new email address. In early XX/XX/XXXX I received a text message from coinbase as part of the 2 factor authentication alerting me that someone was attempting to change my password. I denied the transaction and immediately tried to log into my account. I was not successful. The reset password option will only allow me to send a reset option to the original ( non-acessable ) email address. I have called and emailed Coinbase tech support since XX/XX/XXXXwhen this happened. I was told to setup a new account and submit the same authentication documents as I did with the first account. I did this, this time using my new email address. I have been told that this situation has been " escalated '' to someone who can help. NO HELP has happened. I have been locked out of my account and missed an extraordinary opportunity. I have watched the price of Bitcoin and Ethereum explode and now plummet!

I still have no access to my funds.
Consumer complaint received 2018-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

I have been experiencing a tremendous amount of identity fraud/debt over the past year. Every other month Im getting a random debt collection for a charge off amount on a credit line that was opened within the past 6 or so months that I obviously have no knowledge of. This most recent debt just showed up on my credit this past weekend but was opened up in XXXX of 2017. For amount of {$910.00} for a XXXX XXXX XXXX card. Debt collection company is XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2018-03-27
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: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I Contacted ALL 3 Credit Bureaus, XXXX, XXXX, And Experian and the Creditor ( XXXX XXXX XXXX ) about an collection account showing on my credit reports that was drastically hurting my credit reputation and adversely affecting my credit worthiness.

On XX/XX/XXXX, I received a response from the creditor ( XXXX XXXX XXXX ) that this account does not belong to them. I find that strange because they have been reporting negatively on my file since XX/XX/XXXX and as recently as this month XX/XX/XXXX as seen on the pictures attached.

XXXX has removed this incorrect negative file off my reports as of today & I feel that Experian and XXXX should do the same being that the creditor has already identified this account is an error, as seen on the complain attached.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Received an alert from credit monitoring service that inquire from Bank of America posted on my account XX/XX/2018. Contacted XXXX XXXX to notify that I did not apply for credit and inquiry is unauthorized. XXXX advised that I contact BOA to have inquiry deleted. Contacted BOA and was advised to contact XXXX to have deleted because they have not record of application on file. Contacted XXXX  to have inquiry deleted after explaining what was advised by BOA. XXXX indicated that they could not delete and I would have to contact BOA.
Consumer complaint received 2018-03-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (PA)

I was short for monety before my payday and looked into a few pay day loan companies. I applied and once i saw the insane biweekly repayment agreement, I did NOT go though and sign the loan agreement forms. This company deposited the {$300.00} into my bank anyway, and now wants me to pay {$83.00} BIWEEKLY on a loan i never fully signed up for. I can't even pull my Loan Agreement from the website without it crashing, which is proof i never even signed a loan agreement!
Consumer complaint received 2018-03-27
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. (GA)

On or about XX/XX/2017 I wrote certified letters petitioning Equifax, XXXX  and XXXX about erroneous items on my credit report, I asked for validation of these accounts and my authorizing of them to the creditor according to Section 609 of the Fair Credit Reporting Act, despite my legal rights of the aforementioned private agencies to report show validation of their reporting, I have received no such proof. This lack of effort/proof is leading to a negative fray on my financial representation and essentially leading to institutional slander of my credit worthiness. I also, sent certified letters of the same on XX/XX/XXXX to the aforementioned private entities and once again to no avail as to providing proof of reported accounts. My next step is legal action and I am petitioning this body of law enforcement to arbitrate and save both parties the negatives efforts such a case would bring about.
Consumer complaint received 2018-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IA)

I received a payment for services rendered of {$1000.00} the customer opened a claim on XXXX XXXX to try to keep the services that were completed and get his money back fraudulently. I sent papal all the proof that work was completed, and the customer had contacted me the day he refund was requested and never mentioned a refund. Subsequently I sent a payment of {$220.00} from my account to XXXX XXXX XXXX when that payment was sent there was no notice that the negative balance would be added in addition to that transaction. Since then the account I sent the payment through has been made negative and when they try to transfer it alerts them that balance would be added to the transaction and the total amount. 
I want to know when that feature was added because it was not there when I placed my transaction. I'm asking that paypal refund me the balance they took because no prior notice was given and it was put on the back end of my transaction. Even if you look in my ledger with them it shows XXXX not the balance they added after the fact.I have attached what it looks like today if your account is negative it gives you a warning that the balance owed will be added to your transaction. I was not given that so I'm requesting they refund the balance to my card that they took without warning.
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

they are increasing [ about two dollars ] my balance daily saying itsanticipated interest interest that they take off my actual montly interest but i have never seen it taken off. they refuse to send me a detailed statement showing the money they have taken out or deducted from my interest.. i have alot of credit cards but don't have this problem with them.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received a copy of my TransUnion credit report dated XXXX XXXX, 2018 and discovered a fraudulent hard inquiry from " XXXX  '' dated XXXX, 2018 which I never authorized. I do not currently have service nor have I applied for new service with XXXX. 

I contacted XXXX via phone numerous times and also sent them a letter via certified mail requesting them to remove the unauthorized inquiry from my credit report or provide proof of authorization, neither has been done to date. 

I have also sent multiple request to TransUnion via both phone conversation and fax concerning this fraudulent inquiry on my credit report and nothing has been done. I just keep getting the run around. 

As a precaution I placed a 90 day fraud alert on my credit with all three credit agencies in case this has been a case of identity theft. 

Can you please help me with this matter
Consumer complaint received 2018-04-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

After sending disputesXX/XX/XXXX, as of today Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Equifax has violated the FCRA 30 day regulation. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX/XXXX XXXX not mine XXXX/XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX not mine XXXX XXXX not mine INQUIRIES 1 XXXX XX/XX/XXXX unauthorized 1 XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXXunauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX/XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXXunauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX-XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX-XX/XX/XXXX-XXXX-XX/XX/XXXX not mine XXXX XXXX ****XXXX   {$570.00} not mine
Consumer complaint received 2018-03-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I recently received a wage garnishment from Union Bank through a default judgment. There are three issues with this action taken by Union Bank which causes the filing of this complaint ; 1 ) The debt was NOT mine, this can be proven by the fact I was removed from the auto purchase by Union Bank due to my excessive debt at the time and most important this fact is proven in U.S. Bankruptcy Court filings and credit reports before and after the default judgment in 2010. All Union Bank loan statements reflect only my ex-wife 's name. 
2 ) The debt was " charged-off as bad debt, profit and loss write off '' ... this is reflected prior to the default judgment and reflected in credit reports I possess ... and most important THIS IS TAX FRAUD.

3 ) Union Bank knowingly filed documents in Superior Court to obtain the default judgment and directed other entities to garnish my wages.
Consumer complaint received 2018-03-15
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. (CA)

Despite this account already being showed to be Id theft both companies have replaced it once again on my credit report sevelu damaging my life and my ability to feed my children, obtain housing or any time of loan while Im XXXX.
Consumer complaint received 2018-03-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (NJ)

I paid off a balance of a student loan ( i.e. one of four ) I took out for my daughter on XX/XX/2018. 

I received a letter in summary that : - confirmed that I authorized a debit of an account with another financial institution - a notification from Wells Fargo of limitations of withdrawals under Regulation D - a footnote that " some states require us to inform you that this communication is an attempt to collect debt and any information obtained will be used for that purpose '' I called Wells Fargo to understand what they think their obligation is in notifying me of a withdrawal from another financial institution and compliance of Regulation D. Wells Fargo could not explain this to me and offered for me to speak with someone in their compliance department. I declined - as I reviewed Regulation D and I believe that Wells Fargo was overreaching in this notification to me. 

I also spoke with Wells Fargo on the footnote they provided at the bottom of the letter. Wells Fargo 's defense was that the student loans are debts that they are collecting and that there is nothing more to that footnote than notifying me as such. 

Although I am an educated consumer, I felt that I had done something wrong in paying off a student loan. In this circumstance, my paying off the student loan was not a " collection matter '' nor was Wells Fargo obligated to notify me of Regulation D - that obligation would reside with my financial institution, as applicable ( of which it was not ). Plan and simple, I felt intimidated for paying off a loan and had to research what I might have done wrong ( which was nothing ).
Consumer complaint received 2018-03-27
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: Atlanticus Services Corporation (MN)

I went to XXXX XXXX I had XXXX XXXX  done. I had it done twice and paid in full. They recommended a third time. I opened a charge account there. I made an appointment but ended up cancelling it. In the mean time XXXX XXXX charged my account. They told me I would have to wait in between sessions. I had the last session in XX/XX/XXXX it was fully paid for. The third appointment I cancelled but they charged the account with out waiting until I had the procedure done. XXXX XXXX  will not pay the amount they charged back to the credit card company. I did not get it done and stuck with the bill. Can you please help.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

XXXX XXXX has CONFIRMED that the INQUIRY should not be on my report and can be easily confirmed with a call to them XXXX XXXX XXXX XXXXAccount Protection Team verified that it should NOT be on my report. I have called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX them three times to confirm. 

XXXX XXXX  has difficulty finding my record because it's been removed. The credit reporting agency EQUIFAX needs to pick up the phone to call to CONFIRM. EQUIFAX sent me notices that it had been verified, and XXXX XXXX  continued to tell me to dispute with the CRA because they don't have a record of a VALID INQUIRY from me.

Credit reporting agencies must verify the information and place only FACTUAL and TRULY VERIFIED information. I'm seeking an IMMEDIATE REMOVAL of the INQUIRY.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX, an account opened at XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$350.00} that appears related to the aforementioned personal credit card account opened at XXXX XXXX XXXX, and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$710.00} that appears related to the aforementioned account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.