davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NY)

On XX/XX/2021 I became locked out of my coinbase account because of a flaw in their system that was asking me for a 2 step verification that was not activated on my end but coinbase app and website was asking for the verification number that was not active on my end so Im not sure what number coinbase is expecting. On XX/XX/2021 I filed for support and was given case # XXXX. Since then I have only received generic emails after multiple attempts at contacting them via email and there links on the website. They have no phone number to call. I have over $ XXXX amenrican dollars that I am locked out of for close to a month and have not received an email from an actual person only automated responses.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Exeter Finance, LLC. (TX)

On XX/XX/XXXX, I contacted Exeter finance concerning a paid off account since XX/XX/XXXX. I was told that there is nothing they can do about it and they can't take it off my credit report. I can't get a mortgage loan due to this account. The company could not help me with this unfair situation. Right now the account is paid off and they can't still do nothing about it.
Consumer complaint received 2021-04-27
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: SYNCHRONY FINANCIAL (CA)

Synchrony Financial is reporting two accounts in my credit profile under an authorized user. Let me be clear I have never held a Synchrony Financial card for JCPenny nor carecredit much less having one in my credit report. 

Those cards that are on my profile are affecting my utilization % and this is not ok. 

Please verify and remove such accounts from the credit bureaus as soon as possible. 

I attached a copy of my XXXX  report, however, I have confirmed the existence of these accounts with XXXX and XXXX
Consumer complaint received 2020-12-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (NC)

I have now tried for almost a month to verify my paypal account email. It is not working and when you contact paypal customer service they just send you the same email and then tell you to call an automated system that then hangs up on you and tells you to send them a message. I asked for a callback and when I stated I did not get a callback. the person called me and immediately hung up then sent a message and said we tried to call but couldn't reach anyone. I explained to paypal that I can now not receive a payment because paypal is stopping it because my email isn't verified. 
Despite my email not being verified though. Paypal has allowed me to add multiple bank accounts, change my password ( with the link being sent to that email ) use paypal to make charges and sent me a paypal debit card. But now when it comes to receiving money I can't receive it because my email isn't verified.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Relay Financial (US), Corp. (MT)

I am writing to report a serious incident of unauthorized access to my XXXX account and subsequent fraudulent cryptocurrency purchases. 
On XX/XX/XXXX my XXXX account linked to the email address [ XXXX ] was compromised by an unknown individual ( s ). The intruder used my compromised email to access my linked XXXX account and make unauthorized purchases totaling {$3600.00} using a XXXX Relay Bank Debit Card ending in XXXX. 
The unauthorized purchases included : Ethereum : {$3000.00} Bitcoin : {$100.00} Litecoin  : {$500.00} Additionally, the intruder transferred a total of {$3400.00} worth of Ethereum to an external crypto wallet with the address XXXX and {$96.00} of Bitcoin to an external wallet with the address XXXX. 
To conceal their activities, the intruder modified my XXXX account information by adding a new phone number ( XXXX ) and a new address ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ). 
I have attached PDFs detailing all unauthorized transactions in my XXXX account, as well as the compromised login details for my email address. I have also filed a police report with the XXXX Police Department ( Report Number : XXXX ) and a report with the FBI Internet Crime Complaint Center ( IC3 ). 
I am requesting a thorough investigation into this incident. The crypto wallet addresses listed above should be traceable by law enforcement. I did not authorize or make any of these purchases. My purchase history clearly shows that I have never purchased such large amounts of cryptocurrency through XXXX. 
I am also seeking assistance from XXXX and Relay Financial, as they both failed to address my concerns regarding the unauthorized transactions despite being informed of the compromised email account. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2021-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (IL)

I sent a debt validation letter to EOS CCA, Inc on XX/XX/2021. I have yet to receive a debt validation letter stating that I owe a bill with XXXX XXXX. I made a complaint with the BBB and they stated that they will cease all collection efforts until XXXX XXXX sends the information to them. It has been over a month and XXXX has not updated EOS CCA nor have they mailed me any information. I do not own this debt and I want it removed from my credit report. The amount is for {$2200.00}.
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (MI)

I purchased a American Express Serve Card from XXXX in XXXX, MI and loaded {$500.00} at XXXX. I was unable to register the card for 6 hours as I called the AE Serve customer service at XXXX I was able to activate the card and I found out that my {$500.00} was taken out of my card by someone with the name of XXXX XXXX XXXX XXXX XXXX account in New York at XXXX the same day XX/XX/2021. I have never used this card, I have spoke to six representatives to find out how I can get my money back. The fraud protection at AE Serve stated they can not reverse, stop payment or cancel the transaction, they have to let the transaction go through it will take 7-10 business days to investigate and there is a hold on a online purchase from this person in the amount of {$490.00} and {$0.00}. I have no idea how a non activated card that has not been registered was able to have {$500.00} removed from the card. I am furious and American Express customer service and fraud protection department will not give me my money back.
Consumer complaint received 2024-10-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

This is letter is to inform you that i am disputing this debt. After receiving a response to my original dispute letter, I contacted the original creditor who was unable to verify this account as mine. Please delete this furious account off my credit report.
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (NY)

I got a checking account in Chase bank. The account number is : XXXX I got a secure message from the bank that I got a return request of XXXX  USD on XX/XX/2020. Well, it was a misunderstanding from the payer 's bank due to the incorrect beneficiary address of my account information, which might make the bank feel suspicious and generated a recall request without the payer 's intention. I also had contacted the payer, Ms. XXXX, who is my friend. She told me that she had explained and clarified everything to her bank by sending some proof documents on XX/XX/XXXX. Probably her bank also faxed something to Chase bank to cancel that request. But, until now, Chase bank still froze my account. ( Attached is the screenshot of SMS from my payer, Ms. XXXX XXXX XXXX Well, I do understand that Chase bank will take some time to hold my account for further review. I respect it. But I can not accept that Chase bank suddenly withdrew {$2900.00} USD from my account without my permission and explanation. I called the hotline and was told that they are going to close my account and it was the charge for account closure, something like that ... which is totally not acceptable. 

Thanks.
Consumer complaint received 2021-11-08
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. (TX)

Complaint : ( XXXX/XXXX  ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I have NOT given permission for ( XXXX/XXXX ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b . 

TransUnion must remove all information reporting from and relating to ( XXXX/XXXX ) including third party debt collection accounts associated with ( XXXX/XXXX  ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 
XXXX/XXXX TransUnion Account # : XXXX Account Type : Revolving Account Type - Detail : Charge account Bureau Code : Individual Account Status : Transferred Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 0 High Credit : {$4000.00} Credit Limit : {$5500.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Account closed due to transfer Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Consumer complaint received 2020-03-25
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. (FL)

I was called by XXXX XXXX  yesterday letting me know that the information on my auto draft was incorrect and that my payment for XX/XX/XXXX was returned, resulting in a 45 day late fee in which they admitted was an error on their part but never contacted me to correct until XX/XX/XXXX on which all was fixed and paid up with a late charge refund. 
I would appreciate this being taking off each of my credit reporting agencies.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MI)

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2024-10-17
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (OR)

My XXXX deposit account at Comerica, with web access at usdirectexpeess.com, was frozen XX/XX/year>, XXXX days after XXXX increase backpay was deposited. This resulted in about {$3000.00} being made inaccessible, and without any prior or furthrer information why. The bank has refused informing me, and failed to veify my identification, drivers license birth certificate and social sec card. I called and corresponded with them via phone and email, and nothing but a direction to visit social security dept that proved false.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (CA)

I purchased a new XXXX from XXXX and financed it through Affirm. I paid it off on XX/XX/XXXX of XXXX to this day XX/XX/XXXX it is still reported on the credit bureau that I owe {$300.00}. I have reached out to Affirm and they have refused. I filed a dispute with the credit bureau and Affirm restated I owe them the {$300.00}. When I emailed Affirm they agreed I did not owe the money but stated they would. It correct the reporting to the credit bureau as I paid it off early.
Consumer complaint received 2021-04-22
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

We were discussing with my credit card CAPITAL ONE about some charges from the same company ( XXXX ) that I reported as a fraud, after months and many phone calls 3 out of the 6 charges were cancelled. I was told several times that it was not going to affect my credit because it was under investigation but I realized later that they did reported 2 times my lack of payments. 
I was expecting a written results of the investigation, when I did complain they told me that I lost the case, my Fico was really affected and then I asked for a written result of the investigation, they promise to send it but I never got it. To avoid more damage on my credit I immediately paid the full amount but is unfair because they never notified me the final result of their investigation. 
The acct # was changed 3 times because the fraud claims. 
ending # XXXX, then # XXXX and # XXXX
Consumer complaint received 2021-04-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TX)

I was laid off in XX/XX/2020 due to covid and fell behind in making my payments to XXXXXXXX XXXX ( now sold to a collection agency JEFFERSON CAPITAL SYSTEM ). I notified the company and tried to make small payments out of good faith. I've asked them to stop reporting late payments and they refused. As a result, they continued to report my payments late and my credit score has decreased. It's not that I don't want to pay them. Due to Covid and the loss of income I have been unable to. Please help, as I would like to purchase a home and this has had an adverse impact to my credit score.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I woke up on XX/XX/XXXX to two new inquiries on my XXXXExperian credit report, neither of which were initiated by me. One was from " XXXX '' and the other was from " XXXX '' on my XXXX XXXX credit monitoring ( interestingly, the second one showed up as XXXX XXXX XXXXXXXX '' on my XXXX  credit monitoring. ) I received a phone call from XXXX XXXX XXXX XXXX later that morning with a voicemail claiming to be XXXX XXXX checking in to verify the application, and asking me to call them back at that number. I called XXXX XXXX 's fraud number from their website instead, and learned that I did not have an open credit application with XXXX XXXX. Based on the link below, it seems like this may be a common scam to try to get me to reveal personal information on a phone call. 

https : XXXX I now have two hard inquiries on my account that are not valid, and it's been difficult to get them removed. I need a letter from the FTC noting that I did not initiate the hard inquiries, which I then need to mail or rail to the credit bureaus.
Consumer complaint received 2020-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

To whom it may concern, WAKEFIELD & ASSOCIATES This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt.

Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX  and XXXX XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following :
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (TX)

I bought a used vehicle through XXXX  on XXXX i believe and financed thru Bridge-crest. 
I was paying the payments on time but XXXX was rough for me since i lost my business and it got shutdown and my financial situation shattered. My wife doesnt since we have a XXXX XXXX girl. 
So i called bridgecrest because i was late on payment. I told my situation. The person understood and told me they will lower the monthly payment for 2 months i believe. not to sure. and they said it will go back to regular payment. And also they promised they wont report to credit companies as late payment. now that i have been working and making payments on time. To my surprise they did reported and it hurt my credit. They lied to me. and a week ago i texted and ask them to remove it since i am planning to buy my first house. I plead them N they said no. I m hopeless and helpless. Please help.
Consumer complaint received 2020-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

XX/XX/2020 a " Refund to Borrower '' in the amount of {$700.00} shows on my loan activity from my escrow account. I never received the check for {$700.00}. They now say that the money was refunded into my escrow account, but the balance sheet does not show {$700.00} returning to the account. I have called several times and they say they will look into it and get back with me. I have never received a call back. Every time I call they say they have to research it in a department that doesn't take incoming calls, or the wrong work order was made and they're redoing it. This has been going on for 3-4 months, because they say I have to wait 3 weeks to receive the check. So I wait, it never arrives, i call back and the excuses begin again. 
In the online portal I can clearly see the money was distributed from the escrow account and to date never returned.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I sent in letter to dispute the following items to all 3 credit bureaus & have not received a response in the 30 day period. I sent my letter in XX/XX/XXXX it is now XX/XX/XXXX. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.