davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Around XX/XX/XXXX, I received a letter specifically addressed to me from American Express Cards Company. It tempted me to apply for a Blue Cash Everyday Card from them with the words " Earn {$250.00} back after you spend {$1000.00} in purchases on your new Card in your first 3 months ''. 

I applied for it and got a new card in XX/XX/XXXX. When I received the new card in mail, I called the American Express Cards Company 's customer service phone number to confirm their promise of earning {$250.00} back was a true deal. They confirmed {$250.00} could be redeemed as a statement credit after I use the new card in my purchases of {$1000.00} in the first 3 months. They also said the new card was effective from XX/XX/XXXX. So I started to use the card to pay my bills, buy insurance policy, and various kinds of shopping. By the end of the 3rd month, my purchases surpassed {$1000.00} on this card. To my surprise, the American Express Cards XX/XX/XXXX statement only redeemed {$100.00} as credit. I called their customer service, only to learn that I was entitled to earn {$100.00} instead of {$250.00} as cash back. I explained to them I had fulfilled my obligation to spend {$1000.00} in the first 3 months and requested them to respect their promise in the invitation letter sent to me. The representative said they had to make an investigation about the issue and then send me a letter about the result. There was never any response from them after that. No letter, no phone calls, or emails. Nothing. I made two more phone calls to their customer service. In the second call, a woman said the case is still being investigated and there was no decision made by her superior administrators. However, she said she saw the RSVP Code on that invitation letter shown on my application, but the case was pending. It would take 7 to 10 days to have any answer. Today I called them again, the Rep. said they could n't make good on their promise of {$250.00}. I asked to talk to his supervisor. After put me on hold for more than 10 minutes, a woman supervisor said that I am not eligible for that {$250.00} cash back because I did n't comply some of their conditions. What conditions? I asked, the only conditions on your invitation letter was to spend {$1000.00}, which I did as we agreed. I ca n't tell you more information, she said, but you just not eligible for {$250.00}. End of the call. 

As you can see, the American Express Cards Company made false advertisements to allure people like me for making them profit and then breached unscrupulously the agreement between us two parties. this kind of fraudulent schemes should be stopped.
Consumer complaint received 2018-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Equitable Acceptance Corp (CA)

I was under the impression that the XXXX XXXX XXXX was going to help consolidate my loans. I was n't aware that this company was going to make me stop paying my loan back. I now am suppose to pay this company {$50.00} a month. I would rather be paying my loan. I need to get out of this program. They have all my personal information and I need to make sure they do not mess with my credit or identity. Please advise me how.
Consumer complaint received 2018-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (MI)

I had enrolled at XXXX XXXX College for  the fall semester of XXXX, taking 1 class. Less than 1 week into the class I received notice from my employer that my position would be terminated. With that in mind, I dropped the class I was enrolled in. I dropped the class on XXXX XXXX, XXXX - the deadline for dropping a class and receiving a full reimbursement ( or a {$0.00} bill if tuition had not yet been paid ) was XXXX XXXX, XXXX. I was very careful to check these dates. Around 6 months later, despite having received no correspondence from XXXX XXXX College regarding an outstanding or past due balance - I find that they have turned the matter over to a debt collector for {$450.00} - despite there being no debt or charges of any kind. Contacting the school got me nowhere, they could confirm the dates I enrolled and dropped the class, but could not confirm the deadline to drop a class with no financial obligation coming back to the student. The information was *still* present on their own XXXX website. I have disputed the debt with the collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX and each time their response has only been to state " Meets FCRA Requirements ''. 

XXXX XXXX College has verified what dates I enrolled in this class, and what date I dropped the class. They say they can not verify what the deadline was to drop classes in that semester with no financial repurcussions. If they can not verify that date, how can they verify the debt is valid?!
Consumer complaint received 2018-01-09
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: Resurgent Capital Services L.P. (GA)

So I had a credit card I applied for with XXXX XXXX XXXX, I was making my payments each month and then my wallet was stolen and I reported the card lost or stolen. It was some unauthorized charges on my card and the representative told me that it was nothing she can do about it. I told her I would like to close my account then and not have a card with them anymore since they were not willing to take care of the fraudulent charges on my account. The representative told me she would close it out and I owed an balance of about {$65.00} on the card. I told her I would pay it to send me a final bill. I did not get a statement and around 2 months later I started getting calls from them everyday harassing me 6 times a day every single day saying that I owe them hundreds of dollars. Owe them for the fraudulent charges and also for the interest and fees they were adding each month on my statement as well as the monthly charge and then late fees. I told them I did not owe them that as my account was supposed to be closed and that I should not have to pay hundreds worth of dollars for nothing. I did not even make any charges but the amount was steady going up and up and they continued harassing me. I disputed with the company and they told me that nothing was false and that I owed the debt but I did not, I was not even using the card did not even have a card so how could my balance go from {$65.00} to over {$70.00} with them adding fees to my account every month and not closing it out. They have ruined my credit score as well as my payment history that I worked so hard to establish all for greed and the willingness to not help me. I am quite disgusted with this company and I am absolutely fed up with them ruining my credit and also my reputation for something they should have resolved and did not want to take responsibility for.
Consumer complaint received 2018-01-09
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX {$520.00} In XXXX I had previously informed the bureau that this account was unknown and the account was opened in direct result of identity theft which occurred from the loss of my identification in XXXX. The reply I received from this credit bureau was that this account was verified which is contradicting the statement received from the creditor who has confirmed in writing that the account was found to be opened fraudulently and that they have contacted both XXXX ; Experian and XXXX XXXX to remove the account but the account is still being reported and is causing extreme hardship. I had requested that the file be removed on numerous occasions and XXXX XXXX but this reporting bureau has failed to remove it and for this reason I quest the assistance of the CFPB.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (MA)

Two huge issues that have been outstanding for 18+ days.

1 ) I purchased in the few minute window XXXX was live after initial launch and the price shown was invalid. My order for XXXX went through at XXXX and coinbase app charts are showing this never hit that. It was at XXXX for day which was also not true. As per your terms of service this transaction should be invalidated within 10 business days of reporting it - been longer than that. Please help! I spent hours on the phone and email is unresponsive. They canceled and cleared the order books of tons of orders but for some reason mine did not make the cut. Not sure how that is legal.. if they were to call off the launch - everyone 's orders should have been cleared - not just some. 

Case Number : http : //support.coinbase.comXXXX - no relevant response. They forwarded me money about a fork - which this had nothing to do with and I have n't heard back since. 

2 ) I sold .5 ETH 18 days ago at XXXX and it was never credited to my USD wallet. It just vanished into thin air. CoinBase, please invalidate the transaction since it didnt go through properly. No response since i logged this on XX/XX/17. 

Case : XXXX - no response whatsoever. 

-- - General Experience : Two hours on the phone the first time around and they said they could n't help me - need to email and wait. I did and I just learned after spending another two hours on the phone that I was waiting in the wrong department / queue - and needed to call a separate number. Apparently posting to the cases asking for updates also puts me further away from a response and resolution. 

This is outrageous - it 's theft & a scam. I 'm loosing money by having it tied up in invalid transactions and transactions that never went through. 

Any help would be appreciated. 

Thanks!
Consumer complaint received 2018-01-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

There was no initial or any other type of communication on the alleged medical debt being owed. And no written notice was sent communicating name of the creditor, the amount of debt and other necessary information in accordance with section 809 of the Fair Debt Collection Practices Act ( FDCPA ). 
Sometime in XXXX I requested for my credit report and noticed the score had dropped from XXXX to XXXX. I took a second look and discovered a debt of {$1300.00} from XXXX XXXX XXXX. The original creditor was XXXX XXXX XXXX XXXX. I am not personally liable for my medical bills, XXXX XXXX care my Insurance company takes care of all my medical bills. I contacted XXXX XXXX care and was told that they never received this claim from XXXX XXXX XXXX XXXX. They assured me that if the claim was made they would pay. However, XXXX XXXX XXXX refused to speak to XXXX XXXX XXXX and they refused to send me information on what they paid for despite promising to fax same to me on several occasions upon my requests. 
I retrieved my health records to verify their position. Thereafter, I called XXXX XXXX XXXX and requested for information on the debt, but they were not forthcoming with that. After my incessant phone calls, they promised to suspend the debt from my credit report but never did that as well. 
I strongly believe that a collections agency should conduct its proper investigation before going after individuals for debt. If extensive investigation was conducted, XXXX XXXX XXXX would have known that I am not individually liable for medical bills and it would have discovered that I do not owe this debt. It would have also contacted the Insurance Company to pay the bill or presented the bill to the Insurance Company.. My credit score is hurting due to the unlawful and negligent act as well as unprofessionalism displayed by XXXX XXXX XXXX. Moreso, no communication was sent to me on this claim. I would like to strongly state that I do not owe this debt. 
At present, all I want is the entry to be deleted from credit report. 
Thank you.
Consumer complaint received 2018-01-09
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: Experian Information Solutions Inc. (FL)

In XX/XX/XXXXI had previously informed the XXXX XXXX that this account that they have been reporting on behalf of their client : XXXX/XXXX reported account XXXX This account is unknown to me and were opened in result of theft of my identity in XXXX. The opening of this fraudulent account was reported to the FTC in XXXX under affidavit number XXXX after unsuccessful attempts to delete via XXXX XXXX in XXXX XXXX XXXX are still reporting it today. 

This will be my last attempt in requesting that XXXX XXXX remove this account from my credit file. Since XXXX XXXX insist that they have verified this account which is in conflict with the creditors statement attached. A FULL debt validation was requested and the company has defaulted as I have not received FULL debt validation including all that was listed on the creditor/debt collectors declaration therefore I now insist that they validate this claim as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). Please forward your FULL Validation package including signed contact to me by US mail or by email in 15 days or delete this entry from my credit file. 

I have requested the removal of this inaccurate information on numerous occasions and XXXX XXXX have failed to remove it, for this reason I request the assistance of the CFPB.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2018-01-09
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: Experian Information Solutions Inc. (IL)

I am a victim of consumer and identity theft fraud. Police Report Number : XXXX. Please find the attached police report. It was filed at XXXX Police Department on XX/XX/XXXX. Complaint with the Bureau of Consumer Frauds and Protection New York Attorney General file number XXXX on XX/XX/XXXX. New Jersey Attorney General Complaint Number XXXX. Federal Trade Commission complaint number : XXXX Please place a credit freeze on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. Please remove all hard inquiries from XX/XX/XXXX until XX/XX/XXXX on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. 

XXXX and XXXX has already placed the security freeze and int the process of complying of my requests. XXXX and Experian are INTENTIONALLY delaying the process and they will be liable for all financial losses I incur because of their reckless behavior. You will be hold accountable in court. This is not just a civil case and it implies criminal charges. XXXX and Experian will be liable too for those criminal charges if they do n't act accordingly in the NEXT 48 hours of receiving this complaint. I DARE YOU! 

XX/XX/XXXX
Consumer complaint received 2018-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am reporting XXXX XXXX XXXX XXXX XXXX. I paid this amount in full XXXX dollars in XXXX nothing has been done but the document from housing says XXXX but XXXX XXXX was given to him as well to rectify the situation the XXXX XXXX XXXX do n't have the landlord number either I also have documents to prove from both courts and himself the landlord and housing authority. I need you guys to investigate this please.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I have been trying, without success, to withdraw my money from my XXXX Pounds Sterling wallet to my XXXX bank account for nearly 3 weeks now. I have followed Coinbase 's instructions exactly, twice, but Coinbase still have n't verified my bank account, so my money is basically stuck in Coinbase.

I originally emailed Coinbase 's support about this issue on XXXX of XXXX, they replied with a generic message, and despite me emailing them for an update on XXXX of XXXX and XXXX of XXXX, I have heard nothing from them since. I have also called them, but both times I 've been left on hold for about 20 minutes then cut off before I 've actually been able to speak to anyone. I 'm now starting to panic, is Coinbase some sort of scam? I have several thousand Pounds in my Coinbase wallet and can not afford to loose this money. Please help! Many thanks, XXXX ( XXXX Citizen ).
Consumer complaint received 2018-01-09
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: Experian Information Solutions Inc. (MO)

I have constantly disputed to Experian the following inquiries on my credit report that were not authorized by me. The following inquiries were not authorized and I have sent XXXX a FTC Idenity Theft Avadavit to support my idenity being breached. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I HAVE NEVER GAVE THESE COMPANIES ANY AUTHORIZATION TO PULL MY CREDIT AND WOULD LIKE TO HAVE THESE INQUIRIES REMOVED IMMEDIATELY. FOR THIS IS PUTTING A HARDSHIP ON MY FINANCIAL OUTLOOK ...
Consumer complaint received 2018-01-09
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: Experian Information Solutions Inc. (CA)

the problem is with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, PH XXXX, INaccurate information on my credit report with this specific company, the loan was paid off on my credit report indicates {$7400.00} was a charge off NOT TRUE AND INACCURATE ... there is a XXXX balance on this account as of XXXX..the last date of the 1st missed payment was in XXXX. The original loan was paid off XX/XX/XXXX ... the loan is more than 7 years and 180 days per CALIFORNIA RIGHTS MUST BE REMOVED ... spoke with XXXX representive at XXXX XXXX XXXX and the company is refusing to removed the negative informantion and refusing to show the loan paid off. I also filed a complaint with EXPERIAN credit agency they are also refusing to delete this old and inaccurate information. XXXX DELETED XXXX
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I filed a claim with Wells Fargo, my bank, to report fraudulent charges totaling {$18000.00}. 

My money was stolen on XX/XX/year>2024 when I was XXXX  & robbed in XXXX, XXXX. I am attaching the evidence ( police report, hospital bill, email communications with XXXX 's Attorney General 's office etc. ) to the 'attach documents ' section. 

My parents ( who have access to my personal account ) filed the first claim on XX/XX/XXXX when they were made aware of what happened. I was still in the hospital at this time. 

I then filed the next claim via phone on my XXXX  account ( where most of my funds were stolen from ) on XX/XX/XXXX, after I arrived back in the US. 

Unfortunately I saw that Wells Fargo decided to deny all of my claims, saying they've determined that no fraud occurred. 

Obviously this is very unfair, incorrect and a violation of my trust in them as my bank and of their own 'zero liability protection ' policy.
Consumer complaint received 2018-01-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

In XXXX I filed a complaint with you about 2 charges that showed up in my credit report from the Collection Bureau of Fort Walton Beach. One is for XXXX XXXX XXXX ( I have n't used this place in at keast 10 years ) and the other is XXXX XXXX XXXX ( I do n't even know who this is ). I believe you assigned one of the accounts XXXX, but I ca n't get back to the page at this moment to get the other number. In their response they said they would send me something verifying and proving that these charges are valid and are indeed mine, but as of this date, XXXX XXXX, XXXX, I have not received anything from the Collection Bureau of Fort Walton Beach. I provided feedback to the extent that I was hopeful they would send me the requested info as they said they would, but I should n't have sent feedback so soon. If they ca n't provide me with the verification, these charges need to be removed from all of my credit reports. I am not going to pay a charge that ca n't be proved to be mine.
Consumer complaint received 2018-02-17
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX account # XXXX .Ive Been trying to verify this account and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof