davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (NJ)

I tried to purchase {$300.00} two different times onXX/XX/XXXXfrom CoinBase, but the transaction was not completed due to insufficient funds in the bank account. I did not receive any BTC from CoinBase and my bank account was not charged. 

Sometime aroundXX/XX/XXXX, my Coinbase account was frozen and I was not allowed to complete any transactions. I immediately sent a support ticket to them and was told that they would get back to me within 7 days due to high volumes of cases. 

On XX/XX/, XXXXoinbase withdrew {$600.00} worth of BTC ( XXXX ) from my Coinbase account without any warning to me. I immediately followed up with them, and they told me that the proper escalations were made, but there would be a delay due to high case volumes. 

It is nowXX/XX/XXXXand a month has passed since I have submitted the ticket and I have not received a response from Coinbase yet. 

I have verified my Coinbase transaction history against my bank statement and they are correct. Looking at just the {$300.00} transactions, I have 5 transactions for {$300.00} shown on my Coinbase transaction history and 5 transactions for {$300.00} shown on my bank statement. I have sent this information to them, but I have not received a response yet. 

I am frustrated by the lack of communication. Furthermore, I am not sure what to expect as a response from them and if I will even be able to appeal the decision without having to wait another month for a response. The very nature of the product they are providing is time sensitive and the lack of a timely response is unacceptable.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My husband and I returned from vacation on XX/XX/XXXX and upon opening our mail we discovered a lot of our bills had been doubled, I called the bank and non of the checks had been cleared and rather than place a stop payment I was advised by the bank to call the USPS to see if they've been having any issues. I called the USPS and I was told they had been having a lot of mail theft. I went to the bank and closed and opened accounts and the following day XXXXXX/XX/XXXX. I filed a claim with the USPS and I called all of the consumers and informed them of the mail theft and took care of my payments with my new account information and thought all was well. We are in the process of refinancing our house and on the credit report Bank of America reported us being 30 day late, which is affecting us from refinancing our home. I've called Bank of America numerous times, I spoke to XXXX on XX/XX/XXXX and she spoke to her manager XXXX and I was informed they were filing a claim with back credit office. I was told to follow up in a week, I called XX/XX/XXXX and spoke to XXXX and she was advised by her manager XXXX to fax over any documentation that I had regarding this matter and to call her to inform her that I had faxed over the information. I would constantly get her voicemail leaving messages and after several days XXXX called me back on XX/XX/XXXX, asking me what all had happened and he said unfortunately when I had called the first time and they wrote the credit department they did not include detailed information. XXXX told me he would then submit a new request. XXXX called me the following day informing me that my claim had been denied. He then explained that once it's been reported as a late payment it's difficult to reverse due to the auditors. I asked how is that my fault and that this is something we couldn't control, how can we control mail theft. XXXX said I had other alternatives ... he said I could of done banking online and automatic payments and he kept referring to his auditors. I am a consumer and I am being affected due to mail theft, something that was totally out of our hands and Bank of America saying I had other alternatives. The USPS has made it clear that they've been having issues since XX/XX/XXXX. I asked the Post Office why they haven't posted anything on the drop box informing everyone and I was told it is government property so they are not allowed to. We have lived in our home for 18 years, we have plenty of equity and all we are asking is that the 30 day late be removed and corrected with the 3 bureaus, XXXX, XXXX and XXXX.
Consumer complaint received 2024-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (NY)

POSTED AT : CONCORA CREDIT CARD MULTIPLE NOTICE OF DISPUTES AND DEMAND FOR VALIDATIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> CONCORA Credit Card Fax Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : REQUEST FOR INVESTIGATION AND CORRECTION OF ERRONEOUS BILLING IN ACCORDANCE WITH THE FDCPA To the Director of Concora : I hereby formally draw your attention to certain discrepancies and unauthorized transactions that have been identified on my Concora credit card statement. Enclosed herewith as Exhibit 1 is the pertinent statement that conspicuously lacks a refund for the contested charge of {$92.00}, originally attributed to XXXX, which I have disputed since the XXXX day of XX/XX/year>. The charge is fraudulent and lacks validation. In accordance with the stipulations set forth in the Fair Debt Collection Practices Act ( FDCPA ), Section 1692g ( b ), I require cessation of all collection activities and a comprehensive written elucidation for the failure to credit my account accordingly.

Moreover, I hereby request that you furnish a certified record detailing all transactions posted to my Concora account since XX/XX/year>, inclusive of the company 's provisional credit policy. This is sought to ensure transparent accounting and to rectify any discrepancies that may have arisen therewith. 

WHY HAS THIS XX/XX/year>, DISPUTED XXXX FRAUD NOT BEEN PUT BACK IN MY ACCOUNT, AT MINIMUM, AS PROVISIONAL CREDIT? Answers are needed. 

In addition to the dispute concerning the XXXX charge, I must also contest and demand validation for the transaction listed in Exhibit XXXX, a XXXX refund amounting to {$9.00}. Notably, this transaction lacks an associated card number and, more importantly, has not been reflected in either the available credit or the account balance. The location of this alleged refund remains ambiguous and requires immediate clarification. 

I further dispute a charge from XXXX XXXX XXXX totaling {$19.00}. I affirm that I have not availed myself of any services that would justify such a charge and have lodged formal complaints of harassment against the entity in question, owing to their unconstitutional conduct and interference. 

Given these non-validated and fraudulent transactions, my account records should be amended to excise these charges posthaste. I assert that a credit amounting to {$120.00} is rightfully due to be restored to my balance and available credit. 

I trust that you will address these matters with the urgency they warrant and anticipate a prompt resolution to the issues at hand. I seek equal protection of the law, in the enforcement of consumer protection laws noted. I thank you in advance for your cooperation and expedited attention to this pressing matter. 

Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My husband and I returned from vacation on XX/XX/XXXX and upon opening our mail we discovered a lot of our bills had been doubled, I called the bank and non of the checks had been cleared and rather than place a stop payment I was advised by the bank to call the USPS to see if they've been having any issues. I called the USPS and I was told they had been having a lot of mail theft. I went to the bank and closed and opened accounts and the following day XX/XX/XXXX. I filed a claim with the USPS and I called all of the consumers and informed them of the mail theft and took care of my payments with my new account information and thought all was well. We are in the process of refinancing our house and on the credit report XXXX  XXXX XXXX reported us being 30 day late, which is affecting us from refinancing our home. I've called XXXX XXXX XXXX numerous times, I spoke to XXXX on XX/XX/XXXX and  she spoke to her manager XXXX and I was informed they were filing a claim with back credit office. I was told to follow up in a week, I called XX/XX/XXXXand spoke to XXXX and she was advised by her manager XXXX to fax over any documentation that I had regarding this matter and to call her to inform her that I had faxed over the information. I would constantly get her voicemail leaving messages and after several days XXXX called me back on XX/XX/XXXX,  asking me what all had happened and he said unfortunately when I had called the first time and they wrote the credit department they did not include detailed information. XXXX told me he would then submit a new request. XXXX called me the following day informing me that my claim had been denied. He then explained that once it's been reported as a late payment it's difficult to reverse due to the auditors. I asked how is that my fault and that this is something we couldn't control, how can we control mail theft. XXXX said I had other alternatives ... he said I could of done banking online and automatic payments and he kept referring to his auditors. I am a consumer and I am being affected due to mail theft, something that was totally out of our hands and XXXX XXXX XXXX saying I had other alternatives. The USPS has made it clear that they've been having issues since XX/XX/XXXX. I asked the Post Office why they haven't posted anything on the drop box informing everyone and I was told it is government property so they are not allowed to. We have lived in our home for 18 years, we have plenty of equity and all we are asking is that the 30 day late be removed and corrected with the 3 bureaus, Experian, XXXX and XXXX.
Consumer complaint received 2016-12-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, AND XXXX and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you
Consumer complaint received 2018-03-05
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

on XXXX XXXX, XXXX my husband and I short saled our house. We have not received the 1099c to do our taxes. I have emailed and my husband called on XXXX XXXX, XXXX about this matter. I called today XX/XX/XXXX and was told by customer service that we will get it by XX/XX/XXXX. We found out that our credit reports were all messed up because of XXXX XXXX. We could not get another loan and I could not get a job because of this. I am still trying to find a job. We have all documentation for credit reports to prove that XXXX contacted and put addresses that we never lived at. I still have a lawyer on my credit report that should not be there.We should have received our 1099c in XXXX. They had plenty of time to do this. Thank You
Consumer complaint received 2018-03-05
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: Rocket Mortgage, LLC (NY)

I spoke to Quicken Loans on XX/XX/XXXX to get a preapproval for a mortgage. They asked me to run me and my husband 's credit which I agreed to. The person I spoke to XXXX, gave me the credit scores for both my husband XXXX and I. 

On XX/XX/XXXX, I called for a follow up, to get the details of what I was preapproved for. XXXX said he would call me back, later he called me back to tell me that my Debt to Income ratio is too high. He did not notify me that he ran my credit. 

On Monday, XX/XX/XXXX, I checked my credit report to see that a hard inquiry was on my report for XX/XX/XXXX from XXXX XXXX a duplicate from the XX/XX/XXXX inquiry. 

I called XXXX XXXX and they said that they can see Quicken Loans requested it, and I could call Quicken Loans for a deletion letter so they could take off the second inquiry. 

I called Quicken Loans and left a voicemail for XXXX
Consumer complaint received 2016-12-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NC)

I only have one correct address. I also only have one name. There are other names and addresses on my credit report as well as collections and accounts that do not belong to me. I would like these removed/deleted as they are inaccurately reporting to the Credit Bureaus and negatively affecting me. I would also like to request that an updated credit report be sent to me from all XXXX Credit Bureaus.
Consumer complaint received 2018-01-21
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: TCF NATIONAL BANK (FL)

To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after review it there were 3 accounts reporting on my credit files that I had no Knowledge of. The first account is XXXX XXXX XXXX. The second accounts is XXXX XXXX XXXX. And the third account is XXXX XXXX XXXX I did not authorize them to open these accounts. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in distress and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604,  and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.
Consumer complaint received 2017-04-16
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated committed crime not paying
Company: U.S. BANCORP (CA)

After I refinanced my ho me US Bank sent 2 escrow ove rage checks. I deposited both checks, waited for the checks to post to my account then used the extra money to make a payment to my credit card. After the payment cleared I learned  that 1 of the checks was returned unpaid. I learned from my bank that a stop payment had been issued on one of the checks. After several phones calls to US Bank I was told that they, US Bank had made a mistake on the closing and that the payo ff would have been short which is why they stopped payme nt on one of the cheks. I was also told that a representative of US  Bank had contacted me on  XXXX   XXXX ,   XXXX   the same day the stop payment was issued to explain that i should not cash the {$1400.00} check becuase it would short the pay off. That conversation never happened and the check was mailed on  XXXX   XXXX ,   XXXX  . My records prove that call never happened and I had no way of knowing that the check was no good until it bounced. I have se nt 2 demand letters via certified mail along with phone records that prove they never called but the repose was the same. " We apologi ze for the inconvience '' but they refuse to take responsiblity for the damages except for the nsf fee of {$10.00}. Because they made NO attempt to contact me verbally or in writing, mailed the check even after they stopped payment on it resulted in dilberate and intentianal fraud. This " mistake '' was more than an inconvienece it cost me over {$2800.00} and all my savings to cover the overdraft. All they had to do was notify me and this would have never happened. They took every precaution to protect themse lves and not one attempt  to protect my interest.
Consumer complaint received 2017-04-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX, I drove by an ATM machine located outside Webster Bank in XXXX CT. I inserted the Webster 's ' Debit card and asked for {$200.00}. The ATM machine dispensed only {$120.00}. 
Immediately I went to the bank and dispute the transaction. After a week I receive a letter from Webster bank saying that after the bank audited the ATM machine it was found {$40.00} surplus and this amount was credited to my account. 
I called the bank several times and I was told that this was the final decision. 
Since the ATM machine seems to be malfunctioning that day, perhaps it dispensed {$40.00} more to someone else.
Consumer complaint received 2016-12-17
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (VA)

CITI Diamond Preferred Card ( Citibank , N.A . ) emailed me a statement showing due the amount of {$250.00}. They announced that the amount was overdue, and reported to XXXX that {$250.00} was written off, and {$240.00} was past due as of XX/XX/2016. 
FACTS : I have not used that card in over a year. I have never previously received any communication from CITI concerning this balance remaining. I assert that I did not incur that charge. 
Further, when I telephoned them to discuss the matter, the person refused to talk with me about it, claiming that " the account is in transition. '' I then asked to be connected with their security department. She replied " There is no security department. '' CITI should not have reported this account as a write-off without having communicated with me first. The CITI representative should have been supportive of my attempt to communicate with them. CITI is in error. I expect them to correct their errors by clarifying this matter immediately, and by removing the adverse information from the credit report ( s ). 
Citibank ( South Dakota ), N.A. 
Customer Service Center XXXX. XXXX XXXX XXXX XXXX, SD XXXX
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NY)

I was already enrolled in classes for the XXXX XXXX XX/XX/XXXX at the XXXX XXXX XXXX College XXXX XXXX. As a result it was my understating, From Nelnet representative, that if you are enrolled in school loan payments are frozen once you are actively enrolled in college classes. Yet it shows I have late payment form XX/XX/XXXX on my credit score on that student loan account when I was clearly  enrolled in school. This is clearly detrimental to my credit worthiness. There is an attached screen capture show me paying off the remainder of the Bill from the spring XX/XX/XXXX so I can register for the Fall XX/XX/XXXX semester.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (OH)

This company failed to provide debt validation for this car loan and reporting on my credit from a company I have never signed any paperwork with.

If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Under 15 usc 1681e Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
Consumer complaint received 2016-12-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing this complain because XXXX has ignored my request to provide me with the documents that their company has on file that was used yo verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank You
Consumer complaint received 2016-12-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (NY)

I XXXX XXXX believes that the Fair Debt Collection Practices Act is being violated with a collection on a public utility debt that has not been proved with true copy originality submitted to me. Secondly, public utilities have no right to post collections on any of the pertinent credit bureaus. This collection is not only a violation of the FDCPA but of the Fair Credit Reporting Act as well. The collection must be erased from my credit profile immediately, and if this collection is valid, a complete attachment of documents must be submitted along with the transfer of either ownership or power of attorney to collect the debt if indeed it is valid. Therefore, this account must be deleted immediately and permanently!!!
Consumer complaint received 2024-10-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TRUIST FINANCIAL CORPORATION (CT)

The car was a lemon from the time I drove it out the dealer lot there was nothing but problems with XXXX XXXX. Eventually the car engine gave out less than XXXX miles. Needed a new engine. Due to my health issues I don't have money to take care of a lemon car. The dealer sold me a lemon I never was that car but they told me the bank would only approve that car loan on that particular car due to low mileage.