davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (KY)

LVNV Funding LLC Reference # XXXX. 

I have been notified that my identity had been compromised due to the XXXX data breech. 

I noticed a collection account from Resurgent / LVNV Funding LLC via XXXX XXXX I have never had a XXXXXXXX XXXX account and XXXXXXXX XXXX  is not reporting in my credit file. Resurgent / LVNV Funding LLC has sent me three letters dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I sent certified mail ( Document attached, Resurgent.pdf ; Page 1 ) that was signed for XX/XX/XXXX. I filled out the form Resurgent / LVNV Funding LLC asked me to fill out ( Document attached, Resurgent.pdf ; Page 4 ), Resurgent / LVNV Funding LLC asked for a notarized copy of their document ( Document attached, Resurgent.pdf ; Page 5 ). 

( Document attached, Resurgent.pdf ; Page 6 ) shows a copy of a XXXXXXXX XXXX statement addressed to XXXX XXXX ( Not my legal name ) with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. I have never lived in Arizona. This is a fraudulent address, on a fraudulent account. This address is not on my credit profile. This collection account needs to be removed as it does not belong to me. 

XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

In XX/XX/XXXX I received a notice from MOHELA my loan servicer. It stated that because they had billed for payments that werent due I could either choose to have those payments applied to my account or to have the over payments refunded. On XX/XX/XXXX I contacted MOHELA and let them know I would like the payments refunded. There was a payment of {$300.00} and a payment of {$470.00}. The representative I spoke with stated she would process my refund. As of XX/XX/XXXX I still had not received a refund so I reached back out. Not only has the refund not been processed but the first person could not assist me stating I needed to speak to an advanced representative. A normal rep helped me the first time so why couldnt she just make it right??? I had already waited nearly two hours to speak to her for only 5 minutes before being transferred yet again to some advanced representative. I have have been on hold for nearly two hours again and have spoken with no one who can assist me. MOHELA is beyond awful to deal with. They are disorganized and inefficient and I am wasting my time with them each time I need assistance. I am owed nearly {$800.00} and that is a lot of money to be waiting nearly 3 months for only to find out that nothing has been done. Please help.
Consumer complaint received 2024-02-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Hello! On XXXX of XXXX I got this message from coinbase : " Hello, Thank you for your interest in Coinbase. Our primary goal is to make digital currency safe and secure for our customers. Coinbase is a regulated Money Services Business under FinCEN ( FinCEN.gov ), and as part of achieving this goal, we are legally obligated to implement regulatory compliance mechanisms. 

Upon careful review, we believe your account has engaged in prohibited use in violation of our Terms of Service and we regret to inform you that we can no longer provide you with access to our service. We respectfully request that you follow the on-screen instructions presented when you sign in to your Coinbase account to send any remaining balance offsite to an external address. 

If you are currently enrolled in USD Coin rewards, you may want to wait up to 40 days before withdrawing funds to ensure you have received all eligible reward payouts. You will not be able to access these funds after account closure. 

Should you have any questions or need assistance, please let us know and we'll be happy to help. 


Respectfully, Coinbase Customer Support '' As you can see they do not tell me what " prohibited use in violation of our Terms of Service '' they are refering to. 

I'm not intrerested in being a customer/client to Coinbase anymore so I tried to transfer the XXXX and other coins to another provider but their money sending function does not work anymore - stating that I have the wrong 2FA code. This code however works to login to the services with. 

I have sent Coinbase a ticket and told them to help me transfer the money to another provider but there is no answer. Ticket number/ mailheader below : Case # XXXX - Coinbase Support - WE WILL NOT CALL YOU ABOUT THIS ISSUE I've only got a confirmation that they have recived the ticket.
Consumer complaint received 2024-02-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC (NY)

Upon checking my credit report through XXXX XXXX on XX/XX/year> I noticed a new collection from a company called XXXX XXXX XXXX. It is a debt collection agency from original credit Continental Finance Company in the amount of {$2400.00}. 
I had an account with Continental Finance over 15 years ago and it has been taken care of and XXXX. 
I am a victim of several breaches for which I have been in contact to remedy this situation. 
This is not my current debt it has not been accrued by me. 
XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (AZ)

Received an email from Chase on XX/XX/24 that my Chase XXXX card is now in your XXXX XXXX. Email is provided on attachment. The problem is I do not know what a XXXX XXXX is, did not ask to be enrolled, and do not want to be enrolled. The links on the email to opt out of XXXX were confusing and did not work. Atop that was not sure if this was some sort of a potential scam. 

To get out of XXXX XXXX I called four reps. The first customer rep. XXXX did not know what XXXX was and referred me to Chase Security. I talked with XXXX from Chase Security, and she understood my concerns but said customer service had to be the dept. to remove me from XXXX. I was then transferred to XXXX XXXX who supposedly unenrolled me in XXXX. I asked him for something official such as an email, a letter ( USPS ), or secure message email. He said he could not do this. I then asked for his supervisor, he transferred me to supervisor XXXX. XXXX said he was not knowledgeable about the XXXX XXXX  and only the technical department could verify that I was truly dis enrolled. He could not or would not send me an email verification of disenrollment and over all was XXXX and unhelpful. 

This whole phone experience across four reps without a full resolution to the problem took about 45 minutes of my time.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (MN)

XXXX XXXX issued a {$6000.00} check to me and my leaseholder in XX/XX/2023. Ive attempted to deposit the check using the Chase Bank mobile app, but encountered an issue with missing endorsement. Although the endorsement matter has been resolved, the funds are currently missing. XXXX claims that Chase Bank cleared the check on XX/XX/XXXX, and therefore the funds should be with Chase. However, Chase has not provided me with a legal image showing where the funds went after clearance and has not released the funds after proper endorsement despite multiple requests over the past XXXX months.
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CONTRACT CALLERS INC (NC)

I spoke to XXXX XXXX this morning XXXX to inform them that I have been in bankruptcy case number XXXX since last year on or about XXXX XXXX and XXXX XXXX to harass me and now has Contract Collection XXXX and stated I was sorry we can not stop collections regardless you in bankruptcy and we can not get the negative reporting on your credit report and to ask Contract collections to take it off. 

I spoke to Contract Collections and they refuse to take the negative credit reporting off my credit report they said they will contact me to get this balance of {$350.00}, I explained to the representative ( XXXX ) I am in bankruptcy and you need to stop the harassment and take off the negative credit report of XXXX XX/XX/2024, she said she will not take it off regardless if I am in Bankruptcy. 

Please assist and contact XXXX XXXX and XXXX XXXX to stop the harassment and take off the negative reporting on my credit reports
Consumer complaint received 2024-03-12
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. (MD)

I am writing to dispute several hard inquiries that appear on my Equifax credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NJ)

I have invested in Coinbase.com. XX/XX/12 I got a text saying there was an unauthorized attempt to access my account and that I should change my password. I am unable to access my account and the customer service line does not respond. Put me on a 4 hour hold.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (LA)

I have been making monthly payments to Wells Fargo for quite some time without any problems. All that changed back in XXXX when, while I was out of state, I received a call from Wells Fargo telling me that they have not received my XXXX payment. I was greatly confused due the fact that all my payments are always sent out the first of the month. Wells Fargo said that I could make a payment over the phone, which I did to keep everything current. When I returned to the states, I looked up my accounts and found the problem ; for some odd reason Wells Fargo wrote an account number across the top of my XXXX check, it was not my account number. I even enclosed a copy of my bill along with the check to ensure everything was processed correctly. I have a copy of said check if needed. That check was cashed at my bank but applied to someone else 's account. I believe they refer that action as UNATHORIZE ACCESS to my account. I explained to Wells Fargo what has happened, and they asked me to give them 10 days to investigate this complaint, over 10 days had past and no response from Wells Fargo. The next call I got was from a collection agency wanting money on Wells Fargo 's behalf. My credit score was close to perfect, but, thanks to Wells Fargo 's mix up, my credit dropped. I have reached out to WF many times and just got different reps telling me the same thing and nothing being done about their mistake. They spent my money on someone else 's account and keep sending me bills wanting more money. They stole money from my account and took no responsibility for their screw up. It is now clear why the XXXX XXXX XXXX gave Wells Fargo received an F rating. I can provide every paper work needed.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX  with several bank accounts with Chase. I discovered that one of my accounts was breached and someone electronically transferred funds from my account in XXXX, XXXX and XXXX. The transactions were made to different companies. I contacted Chase in XXXX when I discovered it. The claims agent put all the transactions on a single claim. 

Later however, Chase said I would be able to recoup the money from XXXX and XXXX but not XXXX. Apparently the would not honor it because the date from the last transaction was more than 30 days from the first transaction on the same claim. This sounded nonsensical to me since I would have expected that the older claims might have been denied. But the more recent claims were denied instead. It was stated that because they were placed on the same claim, the later transactions would not be honored. It was explained to me that had it been submitted in two different claims it would have been accepted. Obviously had I known this, I would have had the claims agent submit 2 different claims. 

I went to my local branch in XXXX, NJ. The branch employee there called the claims department. He was told the same thing : if the original claims agent had put this on 2 separate claims, the latter claims would be honored. The claims agent who spoke to the branch employee added to him but I dont advise you to tell the customer that. I heard the claims agent make this statement and it was confirmed by the bank employee that that was what was said. 

The matter was sent to escalations. The customer service agent said the bank would work on it and contact me again. Meanwhile, I called the companies who were paid using my funds. These companies said they cant reverse the charges unless Chase contacts themwhich Chase refuses to do. Im not asking Chase to themselves give me the money. I simply want Chase to tell these companies that the money was not authorized by me. Yet Chase refuses to do so.

I called escalations on multiple occasions and I havent heard back from them since. However, minutes ago the local branch manager just called and stated that the escalations department contacted him and said theres nothing they are willing to do since the fraud charges took place 30 days apart. Chase has now changed their story to say the number of claims didnt matter. Despite it being different vendors and different individuals involved, Chase simply refuses to assist me in any way. I am appalled that they changed their story and that they are unwilling to assist their customer.

Again, I want to reiterate : at no point have I expressed a desire for Chase to give me the money back themselves. I just want Chase to alert the companies that were the recipients of these funds that they were illegally sent so those companies can return my money. I am hoping you can help.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The XXXX ACCOUNTS being reported are violating consumer law federally under 15 U.S. Code 1666b - Timing of Payments which states that a creditor may not treat a payment as late unless reasonable procedures are in place to ensure that each required periodic statement, including the required information, is mailed or hand delivered to the consumer no later than 21 days before the payment due date. 

, I am requesting proof of notice that were mailed out to me not email at least 21 days before the due dates in question. Please provide original, valid notices, not emails of notices or templates. If you can not produce such notices or information related to the account in question meeting the specified timeframe, I request the removal of the reported late payment.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S.

Code 1681i - Procedure in case of disputed accuracy.

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX. 
XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX ), they may be liable for false reporting.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc. (OR)

I received an email that XXXX XXXX has opened a credit-Debit card in name. I called them and they said that they would investigate it. They didnt. I called them again and recorded this call. I was told they would not close the account. I filed with you - XXXX. They told you that they would close they account. They lied. They want additional private information. I am XXXX, XXXX in the left side, on XXXX XXXX with no other source of income and this outfit prays on seniors. I thought that hackers had done this, but based on other complaints, they did it by combing public records. I am attaching their latest refusal to close the account they or someone else fraudulently took out in my name. I want damages, now, along with detailed records on any transactions XXXX have conducted or that were attempted under my name. I want them, then, to destroy and not possess any personal information about me, including Social Security and XXXX ID, medical records. I do not trust them and as if they have a XXXX pointed at my head.
Consumer complaint received 2024-03-11
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have my car financed thru Capital One. I was laid off and got way behind - about 2 months. Since XX/XX/XXXX, I have been making my full monthly payment either biweekly or recently, weekly. I have talked with Capital One at least 29 times over the last 5-6 months, telling them repeatedly to stop sending threatening emails & texts about repossessing my car. They continue to threaten and harass me. Today I received a text that stated Hi XXXX, this is Capital One about your auto loan ending in XXXX. You may qualify for a payment plan to avoid repossession. Call us at XXXX to discuss or pay the total due online. For disclosures, visit https : //capital.one/discl Msg & data rates may apply. Reply HELP for help or STOP to stop. I called. The woman told me there is no assistance or payment plans for me to avoid repossession. The reason why there are no payment plans is because I dont work- exactly who needs the payment plans the most. I called capital ones office of the president - a department I have spoken with before. This time I was told if I pay an extra {$130.00}, it would prevent further harassment. But I heard this before in XX/XX/XXXX. I paid an extra ~ {$84.00} but that did nothing. I recently changed my biweekly payment to a more manageable weekly payment. I guess they dont like that even if I am still paying my full monthly payment. They have been threatening repossession for over 6 months, even though Im paying the monthly and even though more than one Capital one employee has told me that as long as I continue making my full monthly payment, the car will not be repossessed. Actually, I think the repo calls are worse since I have been making the monthly payment. I have told Capital one that I start collecting XXXX XXXX in XX/XX/XXXX and I will start paying more then. So now, with my XXXX y/o daughter using the car & who works till after XXXX at night, I have to worry that shell leave work to find no car. And no way to get home.