davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Winklevoss Exchange LLC (WI)

Enter the complete name, address and phone number of the business your complaint is against : Gemini Trust Company , LLC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX United States XXXX What is the name of the person that you dealt with : I have contacted customer care twice with no response. 


Describe your complaint and the events in the order they happened, including specific dates and the activities or practices to which you object. 



1. I purchased XXXX dollars worth of crypto currency. 

2. I created a transfer request of said currency to another of my accounts. 

3. Transfer was updated to complete within a few minutes but was never actually processed. 

4. This same transfer is now 2 weeks old and still does not show up as actually processed. 


What do you think would be a fair resolution to this matter? 



Considering the volatility of the market and ability for me to invest said XXXX dollars, I can only say a fair resolution is becoming hard to calculate. Originally returning my XXXX would have been more than sufficient but after a week I missed a trade interest with a 15 % return. At that point I was satisfied with XXXX. However now another week has passed and a second interest trade has increased exponentially causing me to miss a 100 % + return. Considering the companies ability to take your money in seconds but requiring two weeks to never respond, I feel it only fair they recover me {$200.00} for the missed trades and time. 


Attach any appropriate files to support your case to this e-mail message before sending. 


1. Gemini 's portfolio claiming the trade being sent as well as the initial XXXX dollar investment. 


2. A screenshot from my other trading app from this last few days showing my second major trade interest at a positive 115 %. Mind you an hour earlier this same day the amount was at 150 % though I have no screenshot to provide proof. 


Consent to Release Information - The information provided may be used in efforts to resolve my problem and may be shared with the party complained against. The Department may seek additional information from businesses and I authorize the disclosure of applicable documents to the Department, including those protected by laws such as HIPAA. I understand any information may be subject to open records laws.
Consumer complaint received 2021-04-19
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. (MS)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-04-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (AZ)

I placed my loan in forbearance from the cares act in XXXX of XXXX due to my wife and I both being placed on furlough with zero income. We were both back to full time work at the end on XXXX and we requested to come out of forbearance on XX/XX/XXXX. I made an initial payment on that day of {$1400.00} and it posted on XX/XX/XXXX, XXXX. I was told it would take 30 days to come out of forbearance and my XX/XX/XXXX my account would be current with a deferral. I continued making payments on XX/XX/XXXX of {$140000.00} and on XX/XX/XXXX of {$1400.00}. During which I started a refi on my house through a different company as I was told my account deferral would go through by XX/XX/XXXX as it would only take 30 days to update. I continued to check on my account and get it escalated as it was not being processed as promised. To date this has still not processed and is holding me up on a refi. I keep getting told it will be escalated and it will update soon but no one can tell me why its held up or when it will actually process as I continue to be put in limbo. Currently this is costing me from going to a 4 % interest rate to a 2.875 % rate which will lower payments by {$300.00} a month for me. Flagstar only keeps telling me there is nothing they can do as it is in the works and process needs to take place.
Consumer complaint received 2021-04-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

This company is reporting to XXXX  on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the Fair Debt Collection Practices Act ( FDCPA ) section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.
Consumer complaint received 2021-04-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

Tried to sell my bitcoins ( ~ {$11000.00} ) via the mobile app and site, on XX/XX/18 Both return an error saying there is some problem but didn't say what. 

Tried reaching out to support to get it fixed, no real response, got put into a " queue ''
Consumer complaint received 2021-04-19
Product: Debt collection — Payday loan debt
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: National Credit Adjusters, LLC (TX)

the company NCA contacted me about XXXX XXXX XXXX for {$240.00} and XXXX XXXX {$240.00} and said that I was ignorant and they were going to sue me for failure to comply.
Consumer complaint received 2021-04-19
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: Collection Consultants of California (CA)

On XX/XX/2021, a derogatory mark was added on my credit report per XXXX XXXX from Collection Consultants of California for an amount of {$460.00} now reporting {$550.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), upon further research, this account was transferred/sold, and I am no longer responsible for this account. 

Additionally, I am allowed under the Health Insurance Portability Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. My request, Therefore, is twofold per validation of debt and HIPPA authorization.
Consumer complaint received 2021-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Roosen, Varchetti & Olivier, PLLC (MI)

XX/XX/2021, my job sent me a letter stating an attorney office by the name of Roosen Varchetti & Olivi was garnishing {$1200.00} from my check. I have no knowledge of this debt. I researched and called the office but I was repeatedly hung up after explaining my issue. They are located in Michigan at XXXX XXXX XXXX in XXXX XXXX, zip code XXXX. Phone XXXX.
Consumer complaint received 2021-04-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WI)

Starting in XXXX of XXXX, all information for Income Sensitive Loan repayment Recertification was submitted to Navient. Follow up calls from myself to verify they received all the paperwork XX/XX/XXXX, spoke to a rep XXXX who stated the recertification was " under review '' and an answer would be coming in XXXX days. Phone call to Navient XX/XX/XXXX to follow up, states the recertification is not complete spoke to customer service rep XXXX XXXX, who then spoke to his supervisor and stated they are putting an escalation on the recertification paperwork and it would be completed XX/XX/XXXX. Opened my email XX/XX/XXXX to find 3 different letters from Navient stating that Standard Payment plan was back in effect as well as stating that the Income Sensitive Plan was not an option due to using the 5 years already, 5 years that nobody tells you have to begin with. Hours spent on the phone today XX/XX/XXXX with a rep who then states there are discrepancies for forbearance time and proceeds to go back to the year XXXX. Every year when it is recertification time, I and probably several others go through the same time consuming, unproductive phone calls with representatives who go back and forth, back and forth, and these are the supervisors they have hired. Ridiculous service, the ways student loans are sold are a disservice to the consumer.
Consumer complaint received 2021-04-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Finance Company, Inc. (CO)

I disputed a medical bill that was in my credit report. I got served with papers about being sued for 2 medical bills. One was for my daughter who was XXXX at the time and the other was for my daughter who was covered by a form of XXXX called XXXX plus. I called the collection agency called professional finance and explained the situation. They said just get a letter from XXXX XXXX XXXX plans and send it in showing she was covered and i was told I would not have to provide an answer through the court. I requested the letter end of XXXX and It took a couple of weeks to come in. I emailed it on XX/XX/XXXX then I called them. They said they received it and would get back to me. I didnt hear anything back so I called back several times and left voicemails. I then received a letter in the mail about court being in XXXX I called them again and was finally able to get through they stated they received the proper paperwork and they dismissed my daughters medical charges who was no longer a XXXX and they were still working on the other one even though it had been 3 weeks since I sent in the proof. About a week later I noticed it was off my credit report so I thought it was taken care of. Then XX/XX/XXXX i got a deferred judgment letter saying they were granted the judgement. I called again and was told I owed {$350.00} ish dollars that included {$160.00} in court fees. I explained the situation then was told she would email the head of legal department and that I should be good. I called again the next day and was told still no response call back on Monday. This is very frustrating to me and I am a single parent income household. I did everything I was asked to do and still ended up with it this outcome. Im very frustrated.
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX XX/XX/2021, some one withdrew {$870.00} from my unemployment account which is managed by Bank Of America. It was done at a teller machine located at a place I never go. I have the only card for the account, which was in my pocket. The card was only used to withdraw money at one location only, located in XXXX, Md. never used to make purchases in stores,
Consumer complaint received 2021-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

I.C. Systems is attempting to collect a loan. I have never had any communications, verbal / written with this firm. I have never received a loan or requested any loan from this firm. This information was communicated to XXXX Credit.

I.C. Systems, refused to remove the information from my credit report.

I.C. Systems.

Amt : {$400.00} Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, MNXXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-04-16
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: EQUIFAX, INC. (NC)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2021-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

Back in XXXX I traveled to XXXX and once there i tried to open my Coinbase phone application to check my balance and see how my XXXX investment was doing. 
I follow the steps and at the end i couldn't open it. 
Once i came back to XXXX XXXX, Ca i tried to recover access to my phone application/my account and it displays a message saying that i tried to use the application in an unauthorized country. 
I email Coinbase and i provided all the documentation they asked for to verify my identity ( My driver license and a bill with my current address ) proving that i lived in USA Customer Service replied to me that i will be contact once a specialist review my case and as of today XX/XX/2021 I have not hear from them. I have tried to contact tweeting them and no answer. 
Since i emailed Coinbase multiple times i have two cases number. 

Thank you
Consumer complaint received 2021-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

i currently reside in XXXX XXXX and i have a XXXX 's paypal account that i created when i was working in the XXXX. I have been using that account for withdrawals and that account is also my primary source of income as i have lost my job due to covid and im forced to make ends meet using online businesses. i have been using the account without an issue for a 2 months and suddenly when i have received a huge sale, i tried to transfer the money to my account and paypal has restricted the account and i cant use it for 180 days. i also do want to say that i have currently shifted my place of residence in XXXX and used a new pc to log on to my account i suspect that this could also have a hand in restricting my account. I have really done no mistakes that could have occurred to this issue so i you could please look over my case i would greatly appreciate it. Also i have sold a few products on XXXX XXXXnd sent the receipts to paypal but they didnt seem to acknowledge them and i do have a few customers that are requesting a refund but i am unable to refund them of their money because of this issue. My Paypal email is XXXX and it is also my personal email so feel free to reach me there.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2021-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX  and TransUnion are reporting XXXX XXXX account on my credit report as being included in a Chapter XXXX bankruptcy. I have disputed this inaccurate information with both credit reporting agencies and they both came back and said that the information had been verified. Meanwhile XXXX XXXX sent me a letter stating that my correspondence does not provide sufficient information to investigate my dispute. Which means that XXXX  and TransUnion did not do their due diligence and are still reporting information as being verified but it is not accurate. This failure to truly correct this inaccuracy has caused me an undue hardship. I am attaching my documentation received for you to review.
Consumer complaint received 2021-04-19
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. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-04-19
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: Experian Information Solutions Inc. (LA)

I disputed a bankruptcy account on my credit report with Experian and XXXX XXXX XXXX XXXX. Both Experian and XXXX XXXX XXXX said their source of information certified that the information was reporting correctly on my credit report. However, their source of information, XXXX XXXX, submitted to me a document prior to my dispute stating that they have removed the account from my credit file with them because they could not verify it in the time allowed by the law. On the other hand, XXXX nor Experian is following the laws in place about credit reporting. Even after I submitted physical proof to them that account was not verified by their source, they continuted to report negative information and continued to report unverified information.
Consumer complaint received 2021-04-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (KS)

My husband and I came to us bank in XXXX kansas to close my deceased father 's account which I brought a certified death certificate to them and someone working there pretending to be the supervisor said he was alive but he has been deceased since XX/XX/XXXX. I'm my own payee and I was being told the run around that I can't get that money. I'm still waiting for this " acceptance letter '' in the mail and have no had access to the account for almost three months now. They put my father as legal guardian but he was my payee. The person who said he was alive has made it a life or death situation for me and my husband and I even went to the court house which they told me my father didn't put himself as guardian. I'm his only living child, I have no other family alive. The account is joint but I'm not allowed access to it.
Consumer complaint received 2021-04-19
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. (TX)

I pulled my credit report and saw a lot of incorrect information. I disputed this information with the bureaus XX/XX/21. I have not received a response nor have I seen any changes to my credit report. The erroneous items on my report has caused me tremendous stress.
Consumer complaint received 2021-04-18
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. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person