davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

I had an account with XXXX XXXX ( part of Coinbase ) and had {$10000.00} in my XXXX XXXX account when, on XX/XX/18 they notified me via email that they were closing my account. They stated that I need to withdraw my funds from my account, but I was unable to login to my XXXX XXXX account to do so. 

This case did not involve digital currency at all, simply a USD wire I sent from my verified XXXX XXXX XXXX account that has not been returned. 

I called Coinbase 's customer support line and described how I was unable to withdraw my funds from XXXX XXXX, and asked to speak with a representative with XXXX XXXX. They stated that XXXX XXXX had no customer support phone number, but that they would assign a specialist to my case and due to the nature of my issue, they were going to " escalate '' my case for quicker response. They told me I should expect an email from XXXX XXXX " within 5-7 business days '' to work with me to resolve the case. I then received an automated email right after the phone call stating that they have opened the ticket for my case. 

After about 2-3 weeks, I had no calls or emails to follow up on the case, so I called again and emailed again and they said again that it was escalated and awaiting response by specialist and sent another automated email each time. For the next 6 or so weeks I repeated this and still got the same response and no resolution. 

It has now been 57 days since my account closure with no contact with a representative to send my funds back to my account. I think this is an unacceptable treatment of a customer. I have attached my email correspondence with Coinbase Support since my XX/XX/18 account closure notice.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

I am distressed that you have included information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I have attached the FTC identity theft report including all inaccurate information. Failing that, The item must be deleted from the report as soon as possible. As the Item is inaccurate and imcomplete. Please Delete This Misleading Information! Thank you.
Consumer complaint received 2023-06-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I would like to report about identity theft because I am victim of identity theft. So this happened with me first time and I do not know what to do actually. I just want to ask for your support and that you can investigate this situation and I hope you will remove them from my credit report.
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I bought a watch on XXXX, that was like new. The watch arrived damaged, likely from being poorly packaged in transmit. I tried to return it XXXX XXXX has a money back guarantee but they refused, and said they will only give a partial and I have to get it serviced ( but service takes months and is in XXXX ). XXXX told me in writing they would give a partial refund ( eventually oscillating and offering a full ) but never did. I contacted Wells Fargo bc I used my debit card, and they offered a provisional credit, but now they are saying my evidence wasnt legible ( even tho they were screenshots and the agent on phone I spoke with said they were ). Wells Fargo also wont tell me what info they need or want, and Ive been proactive in contacting them but they arent responding or helping me, and were actually really rude and dismissive on our last call, which prompted me to contact CFPB. This was a XXXX $ USD watch, and was bought on XX/XX/23. I opened an XXXX case immediately and when they refused the return ( and said the choice was irreversible ), I opened a wells case immediately. But wells isnt helping and keeps saying they cant help and I need to go back to XXXX, but XXXX closed it and I cant call and have to go thru email and nothing gets done ( I filed the complaint w them around thanksgiving ). I am so frustrated with wells and feel like theyre stealing my money and Im getting stuck w a broken used watch which wasnt what I purchased or paid for.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

During the peak of COVID-19, I was furloughed from my company. As a result, I was 4-5 days late on two payments during the time that my unemployment benefits were kicking in. I never MISSED a payment and the payments were not MORE than 30-days late -- the criteria for reporting a late payment to the credit bureaus. My credit score was on the mend when suddenly, they decreased my max limit, reported that decrease to the bureau, and it caused my credit score to plummet. This was completely unilaterally without a single communication - no phone call, no letter ... nothing. No chance for me to respond, explain or discuss with a human being.
Consumer complaint received 2024-11-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: U.S. BANCORP (CA)

I received a letter from US Bank threatening me over a negative balance in a checking account. ( XX/XX/XXXX, seperate from the letter they sent in XXXX. This is a separate incident, and not a resubmission of a previous complaint. ) I have no access to the banking system. My previous account was locked, and XXXX XXXX XXXX XXXX XXXX were lost. XXXX XXXX threatened to arrest me when I went to a branch to try to unlock the account, and they filed a false police report where the woman told them I was XXXX XXXX XXXX XXXX XXXX XXXX. FBI came to my house to harrass me as well and they are illegally censoring my ability to speak on what I witnessed on social media. I am a witness to a XXXX XXXX XXXX XXXX  Do not contact me again. This account is part of the XXXX bankruptcy estate. Contact XXXX XXXX XXXX XXXX for everything. Do not contact me again. I have no desire to do any business with an american financial institution for the rest of my life. Those responsible should face a XXXX XXXX
Consumer complaint received 2021-01-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (IA)

My mortgage co, Flagstar Bank has refused to remit insurance monies to me for {$1700.00}, paid by insurance co, XXXX XXXX. This check was mailed to Flagstar Bank on XX/XX/XXXX and again on XX/XX/XXXX, without my endorsement, each time then returned to me asking that I endorsed. The check was mailed a third time on XX/XX/XXXX, this time with an endorsement by me. Three previous checks, totalling {$45000.00}, were all returned with an endorsement by Flagstar Bank, WITHOUT my endorsing them previously. On my mortgage statement received XX/XX/XXXX, the {$1700.00} was notated as being placed in " Restricted Escr Dep '' on XX/XX/XXXX. My escrow account had recently been reevaluated in XX/XX/XXXX and was reconciled for the year prior to XX/XX/XXXX statement.
Consumer complaint received 2021-01-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I was reviewing my credit report and noticed some inaccurate information that i did authorize. I sent out letters to the company over 30 days ago and still havent got a response. These accounts are hindering it is keeping from gettin auto Lon or mortgage. Please verify and remove these items from my credit
Consumer complaint received 2019-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/2019, American Express set me with a pre-set limit on my card of XXXX without advanced notice. They did this to me while fully aware my balance at the time was XXXX. Now it shows I am over my limit. I have never had difficulty making my payments on time, but a leak in my home caused me to fall behind. I am XXXX  past due and as of today XX/XX/2019, I am 13 days past due. I called American Express on XX/XX/XXXX to get an understanding as to why my limit was preset without any advance notice and why they set the limit less than what my balance was. I expressed to them that this isn't consumer friendly and it was an unfair practice. I spoke to about 3 different people who were of no help. I finally called again and spoke to someone else and that person was very rude. She was aggressive and spoke over me the whole time. I decided to do a cease and desist and for my card to be closed out of frustration. Prior to her reading the required disclosures, I told her to hold off on closing my card until I spoke with a manager. She told me a manager would call me back. About an hour later, I got a notification that my card had been closed. The rep who closed my card did not have consent to do so. She didn't follow compliance and she violated federal regulations. She didn't read the required disclosures. I called back and asked to speak to a manager again. Still no manager to speak to. I was promised a call back the next day, XX/XX/XXXX, and I got no call back. I called American Express back to reopen my card and there was no resolution. My card is still closed. This morning, XX/XX/XXXX, I woke up to a threatening letter from them
Consumer complaint received 2023-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

On XXXX XXXX I received a phone call from a clerk at the courthouse. She proceeded to tell me that I was being sued and there's a lien on my property and a officer would be at my home shortly to serve me with papers. I asked her what was this about. She said I should have received a letter in the mail informing me what was going on. I told her I didn't. She told me to call the number she provided to get more information because she was allowed to do so. I thought that this was a joke because I knew I didn't owe anything due to the fact I checked my credit report every single week and there was nothing negative on it. So I proceeded to tell my husband you need to call to find out what was going on because I thought it was about him since there wasn't anything on my credit report. He proceeded to call the number I gave him and he stated they were very rude and told him we can't talk to you we need to talk to your wife. I was at work and had to take some time out of my schedule to call and find out what was going on. Why was there a lien about to be put on my property, when I knew I didn't owe anything? The representative I spoke to proceeded to tell me this was regarding a breach of contract from Bank of America. I advised him I never received a letter or anything. He stated this was an account open back on XX/XX/2003 and I owed {$21000.00} but they are willing to settle for {$6700.00}. I advised him I do not have that amount of money but I was fearful he stated they are willing to settle for {$3700.00}. Because I was scared of losing my home. I paid that amount on another credit card ( which I'm still paying because I don't have that type of money ), but I couldn't see another way out. I feel deceptive practices and intimidation was used to get me to pay. This was a 20-year-old debt that should have been and was dropped off after 7 years. They never gave me a credit limit of {$21000.00} and they use fear tactics to get me to pay.
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

My property mortgage is serviced by MyLoancare.com. I have been trying to access my online account for months. It recognizes my account but says that my online credentials can not be verified when I try to reset my password. There is zero way to reach a real person. There are only automated systems that run in circles and waste time. It is crazy that someone can hold your mortgage and be completely unreachable. I need to access my online documents to complete a refi on my primary residence. 

Please help.
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: STATE BANKSHARES, INC. (MN)

I call bell bank about the late fee and pass due payments that I got in the mailbox. Telling them my situation of being on low income from SSDI that I cant afford the payment a more and let them know that my income is protected and exempt from garnishing my wages and that Im going to filing exempt forms at court house. The person in XXXXXXXX XXXX bell bank collection department told me that is not true she be doing this for 30 years and she never heard of it. She stated she is aware my situation and said we have the right to stop your account SSDI deposit and take legal actions. I told her they cant do that. I have only received a late payment for XXXX XXXX. I have talk to Minnesota legal aid and they told me to report it. Because of what she is threatening me to take legal action
Consumer complaint received 2019-01-23
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. (AR)

On XX/XX/XXXX I received an email from the XXXX XXXX stating my account had been locked due to multiple failed attempts to access the account. I call as directed and confirmed it was not me trying to access my account. I have not made any charges on the account in over a year. It was confirmed that no charges had been made on the account. I was unable to locate my credit card at the time so the account was closed and another opened. I recently received a credit alert. So, I checked my credit report to find XXXX  and Equifax had dropped my credit score tremendously. Upon reviewing it I realized there were two incorrect reports. Both stated I had an increased balance on the military star card. Yet, both had a previous change of account reported by the XXXX XXXX. I contacted the XXXX XXXX. I was told they only reported a change of account. I then disputed the increased balance with XXXX  on XX/XX/XXXX stating there was an account change and the previous balance was transferred to the new account. I receive a response on XX/XX/XXXX stating the investigation was complete and the information was accurate and would remain on my credit report. There was no new charges my balance did not increase had they contacted the XXXX  it would have been confirmed. I was not able to submit a dispute with Equifax.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children.
Consumer complaint received 2019-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HANCOCK WHITNEY BANK (FL)

XX/XX/XXXX. I did a mobile deposit of XXXX. It got credit on XX/XX/XXXX. I pay two bills XXXX cellphone bill payment. XXXX dollars check cash. I was two bounce fees both. Totally XXXX dollars. They charge me another XXXX. Which is XXXX. I call ask why they charge bounce when check cleared. This Hancock and Whitney Bank. I still havent issue been able fix issue with them. I call Hancock and Whitney about issue costumer service on XX/XX/XXXX. I feel this overdraft was not reasonable. I know taking advance me as a consumer.
Consumer complaint received 2019-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (SC)

I have had a QVC Q card for a couple of years now. I make my payments. I have never missed a payment. Each billing cycle QVC lowers my credit limit to be BELOW my statement balance. As a result, I am perpetually reported to the credit bureaus as utilizing more than 100 % of my available balance which hurts my credit score. I am always shown in the negative when I am not. 

This is completely intentional on QVC 's part and dramatically hurts me as a consumer. I have abided by my side of the credit card terms by making all my payments. This is a trick designed to hurt my credit.
Consumer complaint received 2024-11-25
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (TX)

I have been making payments on a computer laptop I purchased from Conns XXXX for the past two years as agreed. The initial amount of the purchase was {$1500.00}. In XX/XX/2024 the statement balance was {$670.00} to pay off. Since then, I kept making payments and have never been late. Then, on the XXXX statement dated XX/XX/2024, I received a new balance of {$1400.00}, and I had been paying and had never stopped making payments for the past two years. How come I still owe the same amount I purchased the Laptop? I believe that without the Dubious interest charged, I should have called up on this payment. I have attached two statements showing how much I owed on XXXX XX/XX/2024 vs XX/XX/2024 statements.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IL)

I filed a PSLF 4 months ago and FEDLOAN Servicing keeps refusing to process it intentionally in order to deny me the protections afforded to me by the XXXX XXXX. They ignored the application I consecutively filed 9 times. Attached is a photograph.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2019-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I recently saw this debit on my report Enhanced Recovery for XXXX that was opened on XX/XX/17. I have been with XXXX XXXX for about 3ys not XXXX. I need to know what address is associated with this account?