davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WI)

Coinbase / XXXX lost my funds transfer.

I sent money from XXXX exchange to the XXXX exchange.

At the point and time of the transfer XXXX was representing the value of my XXXX at {$7400.00}. The exchange it was on had it priced at {$4200.00}. My intention was to sell it on the exchange that showed the higher price. Since XXXX lost the transfer, am entitled to reconciliation of my losses since they have held my BitCoin Cash since this date and I have been unable to sell @ {$4200.00} or {$7400.00}. The value has been cut in half since XXXX lost the transfer.

I would like to receive the US dollar value of the funds they misplaced from the exchange they were on at the point and time of the transfer was sent ( XXXX price ) or transfer completion ( XXXX price ). Tuesday, XX/XX/XXXX XXXX XXXX I have open many support tickets and have spent 26 hours waiting for customer service to answer. I 've never been given any information.

Amount : XXXX XXXX To : 1XXXX Requested At : XX/XX/XXXX XXXX From : XXXX  According to XXXX they sent my money on this date.

XX/XX/XXXXXXXX XXXX Completed Address : 1XXXX XXXX XXXX  3XXXX  According to the blockchain, XXXX received my funds.

XXXX XXXX XXXX Relay time Tuesday, XX/XX/XXXX, XXXX XXXX Time until confirmed after 8 minutes and it has since been transferred out to a private wallet.

Please help me in recovering my funds.
Consumer complaint received 2017-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

There are a couple of things I am complaining about Capital One Bank USA. Please see attached screenshot of my credit reports from the three major credit repositories. Highlighted are pieces of incorrect and inaccurate information resulted from this company 's negligence and none compliance with the Fair Credit Reporting Acting, causing me financially and at some point, stealing my right to acquire loans or acquire loans at a much affordable rate. The following are this company 's violations : 1. On XXXX or XXXX XXXX, I paid off this account, bringing the balance down to {$12.00}. Upon downloading my credit reports last XXXX XXXX and today, XXXX XXXX, I found out that this company is reporting me with a balance of {$1800.00}. This tells my future creditors that I am ineligible for a loan or I could get a loan at a ridiculously high rate! This account ref # XXXX shows incorrect balance which cost and is costing me financially. Also, by reporting this incorrect information, they are sending me my creditors a message ... that I owe them {$1800.00}. 
2. On that note, this company also is reporting me past due for {$320.00}. I 've got and been getting the same results/response from other creditors that I am not qualified for a loan because of this. I do not owe them this amount. 
3. They are reporting incorrect last payment date. On my credit report, they are saying that the last I paid them was last XXXX XXXX, The last time they updated the item was " XXXX XXXX, XXXX ''. Clearly, this is a proof that FCRA has been violated. 
4. Due to the incorrect balance reported, my credit has been ruined! On my credit report, it shows am about 185 % of my usage for this account.

5. The account opened date and closing date is incorrect and is not the same with the other bureaus. This is another violation of FCRA. 

Also attached to this complaint is a copy of the SC-100 form I filled up and ready to file if this item will not be removed from my credit report.
Consumer complaint received 2021-05-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (IL)

Filing a claim In reference to unfair and deceptive attempt to collect an invalidated debt. 
I never received a debt validation letter informing me of such debt. 
Including the amount they say I owe, or claim that I owe. The name of the creditor seeking payment, The statement that the debt is assumed valid by the debt collector, unless you dispute it within 30 days, of the first contact ( in which I was never contacted in no form. ) Statement that if you write to dispute the debt or request more information within 30 days, the debt collectors will verify the debt by mail. 
Statement that if you request information about the original creditor, within 30 days, the debt collector must provide it. The debt collector violated my right to disclose information relevant in a validation letter XXXX XXXX ) Not giving me 30 day notice to dispute the validity of said debt, they claiming that I owe. Un authorize invalidated use of information which resulted in marks that unfairly hurt my credit, defamation of character. therefore this complaint is true to date and further action will adhere following unfair, deceptive attempts to collect a invalidated debt.
Consumer complaint received 2017-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I want a account that is fraud reporting to credit file to be removed ASAP. No signed contract. No signed agreement. Not mine. The company Portfolio Recovery has placed their information against my social security number and it 's causing great harm to my credit report. I have tried to explain to this company that this joint account ( ending in XXXX ) is not mine I have not signed a contract with them. This account is fraudulent and was made on the internet without my consent. I tried to explain to this company via online and through the credit reporting agencies that this does n't belong to me or the joint party involved. They only sent me a bill with no signature on it. No copy of terms of the agreement per my request. no transaction history and limited billing history which shows some crazy balance amount. This is on my credit profile and it is holding me up and it 's not my responsibility. This company is a scam and does n't care about consumer rights. I am not able to pay this account as it 's not mine.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I'm the victim of identify theft and I don't recognize one or more of the fraudulent accounts on my report and I would like to get these fraudulent accounts and addresses removed and blocked. The following addresses are XXXX XXXX XXXX XXXX XXXX tn XXXX and XXXX XXXX XXXX XXXX XXXX  tn XXXX and these addresses are linked to several accounts listed on my identify theft report. Fraudulent Accounts, XXXX date XXXXXXXX  account number XXXX amount of fraud XXXX. XXXX XXXX XXXX date XXXX account number XXXX amount of fraud XXXX. XXXX XXXX  date XXXX account number XXXX amount of fraud XXXX. XXXX  date XXXXXXXX  account number XXXX amount of fraud XXXX. XXXX  date XXXXXXXX  account number XXXX amount of fraud XXXX. XXXX  date XXXXXXXX  account number XXXX amount of fraud XXXX. Fraudulent Inquiries, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.AS YOU ARE WELL AWARE, UNDER 15 U.S.C. AND 1681i ( FCRA ), YOU ARE REQUIRED TO REPORT ONLY ACCURATE INFORMATION. YOU HAVE ALREADY VIOLATED FEDERAL LAW BY REPEATEDLY REPORTING INACCURATE INFORMATION. FOR THIS IS A VIOLATION OF FEDERAL LAW THAT I HAVE A RIGHT TO SEEK REMEDY AS IT HAS CAUSED ME DAMAGE IN HOW I AM VIEWED BY LENDERS, AND TERMS OF LOANS RECEIVED. HOWEVER, I ORDER TO ACHIEVE AN AMICABLE RESOLUTION OF THIS MATTER, I REQUEST THAT WITHIN FIVE DAYS OF RECEIP OF THIS LETTER THAT THE TRADE LINE ASSOCIATED WITH THIS COMPLAINT BE DELETED FROM MY CREDIT REPORT, AS PRESCRIBED BY FCRA. I HAVE INCLUDED COPIES OF MY IDENTIFYING INFORMATION TO PROVE MY IDENTIFY. I LOOK FORWARD TO AN EXPEDITED CONCLUSION TO THIS ISSUE.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Basically, someone got ahold of my credit card information. And using that along with my name an address called Bank of America and did a {$8500.00} cash advance with my credit card. No I did a claim initially but nothing happened, called back a few weeks later to discover they had never filed a claim. 
So I opened a claim officially, then it was denied yesterday. So I called and reopens it because this is fraud, and requested their supporting documents and they refused to give them to me. 

Someone at XXXX bank, a bank I have no affiliation with, took {$8500.00} from my credit card and the bank hasnt done anything about it I just dont understand why Bank of America would give someone {$8500.00} of my money when the individual provided basic information and had no security measures. As well as sending it to a bank that Ive never used before to a strange account without any sort of verification
Consumer complaint received 2017-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am an international student at XXXX XXXX University. XXXX, VA. I came in XXXX XXXX for the first time in USA. I and my other friends are also having same background as international students since Fall XXXX. We all are maintaining the salary account with Bank of America, XXXX XXXX XXXX, XXXX, VA-XXXX. My all friends are given credit card for {$1000.00} and I am given for only {$900.00}. 

To increase my credit limit from {$900.00} to {$1000.00} and for actual reason for such injustice, I wasted whole days over the pathetic service of credit card helpline number XXXX XXXX XXXX and XXXX XXXX XXXX & also approached to the XXXX XXXX relationship XXXX XXXX but no proper answer is given and my credit limit is not increased. 

I am issued a credit card with lesser amount but actually I should be issued with atleast {$1000.00} as I have never made any late payments or any other credit-score harming activity. 

Bank of America. asked me to contact to XXXX and deal with them but I do n't think I have to approach to XXXX, who is XXXX for me, it is nothing, I have nothing to do with their business partners. I am customer of Bank of America so I am suppose to approach to Bank of America only for such injustice and discrimination. Despite of my several calls I am not even given the email address for filing a proper complaint and branch representative said me that he has nothing to do with credit card and he escaped this way and sent me the credit card department phone number and then did not reply to my any further email. 

Then also I have the filed few complaints and their numbers are XXXX at XXXX pm and another XXXX at XXXX pm specific standard times dated XXXX/XXXX/XXXX. But their approach seem for discarding of these complaints as they want me to either decrease my credit score by re application or to approach to their business partner XXXX. 

Additionally. I was said that though it may be fault from the bank you need to re-request for credit-limit-hike from {$900.00} to {$1000.00}, and in such scenario your credit score will be again run and it will be decreased. So they want me to decrease my credit score on their fault.
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (KS)

My Coinbase account has been locked out for over a month now. At one point I transferred over {$5000.00} from coinbase to XXXX. I tried to switch the bank account from my checking to my savings on Coinbase and at that point it would not let me re-add a bank account and it locked my XXXX account as well ( features of my Coinbase account are also locked ). I was invested in XXXX and the amount to which is now in there is much greater than my initial investment. I have called and submitted XXXX tickets and I can never get a clear answer as to why it was locked and when it will be unlocked. Tax time is coming up and I am concerned if nothing is done I will not know how much I have made off my investment. 

My Coinbase case numbers are XXXX and XXXX ( this XXXX created on XXXX XXXX XXXX.
Consumer complaint received 2017-12-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My husband XXXX XXXX a little over a year ago. He was listed as the borrower on a 2nd mortgage with Bank of America. I was never listed on any loan documents but he did add my name to the deed years later. The house is currently underwater and my real estate agent is trying to help me resolve the issues and short sale the property. Because I was added to the deed, I understand that I might have tax liability for the property if it is foreclosed, so I chose to sale instead. Bank of America is requiring me to send them financial information so they can do a loan modification and make me responsible for a loan that I cant afford. Even if they modified the 2nd loan, I cant afford the 1st. I moved out of the property because I could no longer afford to live there. They are claming that new CFPB regulations require this process but I do n't think I should have to send a debtor ( that I dont have a debt with ) my financial information for them to review and then potentially report negative information on me for not being able to afford it. My husband made a lot more than I did and now that hes XXXX I had to leave my home. Bank of America is taking advantage of my misfortune. FYI- the first loan has agreed to the short sale after completing a streamline process that did not require me to send any of my personal financial information.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

There are inquires that is on my credit report that I did not authorize. They are XXXX, XXXX, XXXX XXXX, and XXXX XXXX
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services (TX)

Edfinancial is servicing my student loans, however they currently do not have record of my loans due to the borrower defense case still in pending status. Because they do not recognize I have loans, I have no way of making payments. However, Federal Student Aid is showing my loans accruing interest. This is grossly illegal.
Consumer complaint received 2017-12-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (TX)

I have tried to contact Equifax several times regarding this supposed debt and have requested immediate removal do to inaccuracy. I have sent Equifax dispute letters along with receipts that this bill was paid. In my letter I asked that Equifax reinvestigate this third party collection company XXXX. The first letter I sent to Equifax was on XXXX/XXXX/XXXX. In Response, to that letter I sent, I received a letter back from Equifax stating that this debt was verified. How? Equifax has yet to provide me with anyone who they have talked too or any supporting documentation that they actually verified this suppose debt. I paid this bill long before it ever went into a delinquent status. I sent Equifax another letter on XXXX/XXXX/XXXX disagreeing with their decision and in response to that letter Equifax responded stating that the acct will remain on my credit file but will be updated to an paid status. How is that possible? I have provided Equifax with more then enough proof stating the facts about this bill and that it was paid long before XXXX XXXX XXXX got involved so, why should this remain on my credit file?
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC. (TX)

I was sued by Encore Capital Group in XXXX in the state of Texas for an old debt. I challenged the validity of the affidavits filed during the suit, and even contacted the State of Minnesota to start an investigation in the notary habits of MCM ( based in Minnesota ). The XXXX in my debt case with Encore ruled against me and said that my objections were noted. In XXXX the CPFB filed a Consent order against Encore. Paragraph 146 of the Consent Order states : For the Dispute Affidavit LAwsuit Debt that has yet to be collected, expected to total more than {>= $1,000,000}, Encore must within 90 days of the Effective Date : a. Withdraw, dismiss, or terminate all pending Dispute Affidavit Lawsuits ; b. Release or move to vacate all judgements obtained during the Relevant Period regarding Dispute Affidavit Lawsuits ; c. Cease post-judgement enforcement activities and cease accepting settlement payments related to any Dispute Affidavit Lawsuits ; and d. Request that the Consumer reporting agencies amend, delete, or suppress information regarding any Dispute Affidavit Lawsuits, and associated judgments, as applicable. 

To this date Encore has still not done any of this regarding my case with them. When Contacting Encore they have said that they are not aware of the Consent Order and that the Debt is valid. They took my written complaint to them as a Debt Validation Request, and did not look into the account. If they had they would have seen that my account and the above mentioned court case occurred within the Rlevant Time Period of the Consent order. 

I am asking that Encore vacate the Judgment against me, and remove all accounts from my Credit Reports. And that they no longer violate the Consent Order.
Consumer complaint received 2017-12-27
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)

Sent a letter to XXXX XXXX XXXX by email and BBB regarding a medical debt that is showing on my credit report. I requested that the company validate the debt ; instead, they sent me documents request that I provide them with information to request documentation for a medical debt they are trying to collect on me. I notified XXXX the rep that the debt did not belong to me and I requested that she provide me with information to validate this debt. No information has been provided. The medical debt needs to be removed from my credit report by the collection company mentioned and stop all collection attempts. I have uploaded the email that was sent to the manager at the collection company XXXX.
Consumer complaint received 2017-12-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUDIT SYSTEMS,INC (VA)

received collection letter from Audit Systems Inc. on XXXX/XXXX/XXXX stating balance due of {$1100.00} from a check dated XXXX/XXXX/XXXX to XXXX XXXX XXXX. 
This check was processed and recorded by XXXX. 
Sent returned letter to Audit Systems demanding they cease collections efforts and that the account was paid on time. 
no response from Audit Systems
Consumer complaint received 2017-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MO)

First of all, I did n't attend the school After about 6+ weeks. I ( formally ) a withdrew to take care of my Mother whom had early onset XXXX. I contacted the school after I I realized the U.S.Departmet of Education that the school had continued to have me listed as an active student. I applied and received a student loan discharge from " nelnet '' ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now comes XXXX XXXX, I sent them ALL the necessary income statements, signed and notarized. Not satisfactory to them. I worked two ( 2 ) part-time jobs until my health began to decline again. I can do some work ( I have a ticket to work ). I 'm quite sure the USDE clearly has ways of verifying information, even without permission. I asked them to allot me more time to receive my W-2 's, to no avail. I need your help to resolve this matter, before they start tampering with my Social security, taxes or whatever means they need to snatch money I 'm intitled to. Now I able to work only ( 1 ) one day a week at XXXX XXXX cleaning the church. XXXX is scheduled for the first 2-3 months of XXXX to remove 2 ( two ) XXXX XXXX and and have them replaced with XXXX XXXX I 'm not THAT mobile. HELP!!!
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX TransUnion. 

Re : Unauthorized Credit Inquiry To whom it may concern : The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. 
Company & Inquiry date 1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX Bank USA XXXX/XXXX/XXXX 7. XXXX XXXX Bank XXXX/XXXX/XXXX 8. XXXX Bank XXXX/XXXX/XXXX 9. XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX, LLC XXXX/XXXX/XXXX 11. XXXX XXXX Bank XXXX/XXXX/XXXX 12. XXXX XXXX XXXX XXXX/XXXX/XXXX 13.  XXXX XXXX XXXX/XXXX/XXXX 14. XXXX XXXX XXXX/XXXX/XXXX 15. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX 17. XXXX XXXX/XXXX/XXXX 18. XXXX XXXX XXXX XXXX/XXXX/XXXX 19. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX 20. XXXX XXXX XXXX/XXXX/XXXX 21. XXXX XXXX XXXX XXXX/XXXX/XXXX 22. XXXX XXXX XXXX/XXXX/XXXX 23. XXXX XXXX  XXXX/XXXX/XXXX 24. XXXX XXXX XXXX/XXXX/XXXX Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. 

Sincerely XXXX XXXX