davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

I no longer have access to my account as its been 'temporarily disabled ' by Coinbase following a number of incorrect password attempts. I 've contacted Coinbase on the XXXX XXXX 2017 ( support case : XXXX ) asking them to re-enable my account to manage my wallet. I did n't receive a response, even after a chasing email. 

I raised another case ( XXXX ) since and received a generic response linking me to a guide to reset my password, which is unrelated to my issue ( I did perform a password reset in case this was the resolution, however it was not ). I replied to this email with screenshots of the 'temporarily disabled, please contact support ' message, but still have not received a response. 

Until Coinbase unlock my account, giving me access once again, I can not access any funds in my wallet.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

I did not sign up for this card I was added as an authorized buyer and this was never done by me. Ive asked to be removed and they fail to do so. 
I want removed and removed from my credit report as
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (NY)

I have been through multiple unfortunate financial scams. I am paying the heavy price for being a nave individual. total amount is in an excess of 6 figure scams. 
My bank, fraud department did investigate my transactions and deemed me a high risk consumer, may account was closed abruptly, even after being with white like a snow financial records for the last 26 years with same bank. Unfortunately, none of what i was promised was carried on, i was informed, my debt card will function for a month, my account will continue to pay bills as long as there is positive balance, until i transition onto a different bank, none of that occurred. 
I do understand, I made poor judgment on these transactions, as was elated due to the idea I am starting a new business and I am in need to fund the business. 
Unfortunately, everything i touched turned to be a scam even they are unrelated to each other, i. e sell a time share to fund my " new business '' etc etc. I don't know where my bank responsibilities of thees scams ends, as i did wire money to multiple separate domestic banks.
Consumer complaint received 2018-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BB&T CORPORATION (LA)

I financed a trailer/dumpster with XXXX XXXX. Each month I would receive a bill showing minimum payment, amount paid previous month, and payoff amount with the date that payoff amount would be good through. Last year I was able to payoff the loan. I sent in the payoff amount shown on the bill and made sure XXXX XXXX would receive the check before the date listed on the bill. I waited about a week, I called to make sure that XXXX XXXX  received my payment and that it would payoff the loan. They assured me that I had paid off the loan and they would send me the title to the trailer/dumpster. After several weeks, I received the title in the mail. Apparently they have a glitch in their system because I still get bills from them showing Total Amount Due {$130.00} with Payment Date XX/XX/19. I have called to resolve the issue but have not been able to talk to anyone that can take care of the situation. The loan is paid off. They need to stop billing me and trying to collect on a charge that is incorrect.
Consumer complaint received 2023-08-10
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: LoanCare, LLC (FL)

My consumer report has been improperly used and my rights have been violated. In accordance to 15 USC 6801, 6802, I was supposed to be given the appropriate notices to report anything on my Consumer Report, then be given the option to opt-in or optout of allowing that information to be reported to my consumer report and then given the exact process to be able to optout securely. 
1. Loancare LLC 2. XXXX XXXX XXXX I need for all of this information to be removed from my consumer report. In addition, there's one reporting in particular I never even heard from and they have not responded to the certified letter I sent them a month ago. They need to be removed from my consumer report as well. 
1. XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-13
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

XXXX XXXX is reporting an account in negative status. I have requested time and time again ( via disputing with XXXX, XXXX and XXXX ) for the credit reporting agencies to conduct an investigation regarding the validity of this debt ( original signed contract, etc. ). However, the credit reporting agencies all claim that the debt is verified, but I have no documentation showing that I signed a contract for this card, or any proof corroborating their claim. Is it possible that the credit reporting agencies will provide me with this information ( if it 's available ) for verification of the debt? XXXX XXXX has not provided anything to me, nor has XXXX, XXXX and XXXX.
Consumer complaint received 2018-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (AL)

Citi Credit Cards Benefits denied my claim XXXX for {$370.00} for delayed trip protection. On XX/XX/XXXX, I was flying from XXXX ( 46 Minute connection ) -XXXX . My first flight got delayed by over an Hour, hence I was not able to make a connection. This required me to stay overnight in XXXX, delayed my trip and I had to fly the next day. 

Terms and conditions says, If a Covered Travelers Trip on a Common Carrier is  delayed for at least 3 hours, we may reimburse you for expenses incurred because of the delay.. In Addition, it says Trip Departure Date means the date on which the Covered Traveler ( s ) are originally scheduled to leave on the Common Carrier. Trip Completion Date means the date on which the Covered Traveler ( s ) are scheduled to return to their point of origin or to a different final destination..

An excuse for the denial given is that since my first flight was only delayed by over an hour ( Not 3 Hours ), it 's not covered even though it completely contradicts what terms and conditions state. As stated above if your WHOLE trip is delayed, not only a first flight, you are covered for incurred expenses. When I asked agent to provide me to which terms and conditions she referring to, I was told she does not have any, and it 's up to her to Make up the rules. In addition, she hang up the phone after she was not feeling comfortable with me quoting terms and conditions where she is clearly wrong.
Consumer complaint received 2018-01-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX is reporting an account in negative status. I have requested time and time again ( via disputing with EQUIFAX, XXXX and XXXX ) for the credit reporting agencies to conduct an investigation regarding the validity of this debt ( original signed contract, etc. ). However, the credit reporting agencies all claim that the debt is verified, but I have no documentation showing that I signed a contract for this card, or any proof corroborating their claim. Is it possible that the credit reporting agencies will provide me with this information ( if it 's available ) for verification of the debt? XXXX XXXX has not provided anything to me, nor has EQUIFAX, XXXX and XXXX.
Consumer complaint received 2024-10-05
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Confusing or misleading advertising or marketing — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XX/XX/year> called, XXXX XXXX XXXX, stated XXXX freeze off, hurried state would call back never called. Went to appointment, for XXXX XXXX. Refused documents applied her amount of {$200.00}, when strongly stated, that not my rental amount is {$510.00}. Stated, by banker, after denied ; No one is going to give you a loan, stated, will pay off with aliomy payments.would use an secure card with Fifth Third Bank. Upon, leaving observed on XXXX XXXX screen my account information still open, with XXXX XXXX. Main financial, tried to assist with load pay off auto payment, after applying {$1300.00}, denied.
Consumer complaint received 2024-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WATERMARK CAPITAL, INC. (CA)

I received a letter in the mail on XX/XX/year> from a debt collector for my mortgage company, Watermark Capital Inc., dated XX/XX/year>, stating that they had not received my mortgage payment for {$630.00} due on XX/XX/year>. They asked for immediate payment of {$660.00} which included a late fee of {$31.00}. I immediately contacted XXXX XXXX XXXXXXXX who pays my mortgage payment automatically every month on or before the first day of every month. B of A confirmed that Watermark had cashed the check and the funds were deducted from my account on XX/XX/XXXX. They are in the process of sending me a copy of the cashed check which they said should arrive within XXXX XXXX XXXX 
I immediately printed out documents including the B of A check number and date from their online banking portal and uploaded them to Watermark 's servicing division website on XX/XX/XXXX. I then followed up with a telephone call to Watermark on XX/XX/XXXX. I was told by a supervisor that they needed a copy of the cashed check and it would take XXXX XXXX  to do a payment search. I asked them to expedite the search which seemed like an unreasonably long time to wait for an answer and they refused. I have also been a customer of Watermark Capital for approximately XXXX XXXX and have never made a late payment. I was extremely unhappy that they chose to give this to their debt collector and reported a late payment to a credit agency without giving me ample time to respond.
Consumer complaint received 2024-10-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (TX)

This letter serves as a direct and final demand for you to immediately cease reporting any and all information regarding the collection account youve placed on my credit report. You are in blatant violation of 15 U.S.C. 1692e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ), which specifically prohibits debt collectors from communicating false, misleading, or deceptive information to third partiesincluding credit reporting agencies.

Let me make something abundantly clear : furnishing information to credit bureaus is absolutely a form of collection activity. By continuing to report this account, you are intentionally using credit reporting as a weapon to pressure me into paying a debt, which is underhanded and deceptive. Youre not fooling anyone by disguising this as anything elseits nothing more than an attempt to extort payment by damaging my credit.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (IL)

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00}
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ROBINHOOD MARKETS INC. (OR)

I started getting emails from XXXX claiming that I owed them {$4.00} and change for fees on a credit card I've never heard of. 
I immediately contacted them back and told them I know nothing of a credit card and that I do not have a credit card and that I never applied for a credit card. 
They then asked for proof of ID which I sent them every single thing they asked. I was still asking them for to show me some proof that I applied for a credit card... when it was issued ... .what is the credit limit ..what is the card number.. when is the expiration.. When was it activated? ..I know nothing about this card. 
The only response I get are more emails demanding more proof of ID. I've sent them everything they've asked at least five to seven times!!

They refuse to answer any of my questions all they respond with is they keep demanding more proof of ID. 
There's no more proof of ID to be sent it's all been sent many times!! 
They initially said to give them one week 7 days to research it well it's been a month!!

I've had no answers to anything. 
But what they have done is locked my brokerage account I have XXXX in stocks and they've locked it I have no access to it because they're claiming I owe them {$4.00} for a fee on a credit card I do not have. They've had my account locked for weeks I have no access to it and they refuse to give me any answers!!
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
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)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NJ)

I am writing to express my concerns regarding the recent closure of my checking account with Citi Bank and to request a resolution. 

In XXXX, I opened a checking account with Citi Bank and deposited {$25.00} as required. Shortly after, I received a welcome email that confirmed the opening of my account along with the last four digits of my account number. However, instead of receiving a debit card as expected, I received a letter notifying me that my account had been closed. Unfortunately, the letter provided no explanation for the closure. 

Since that time, I have been waiting to receive a refund of my {$25.00} deposit. Given Citi Bank 's reputation as a leading financial institution, I trusted that the matter would be resolved promptly. However, it has now been eight months, and I have yet to receive my refund. 

When I contacted Citi customer service department, I was informed that they were unable to access my account information without the full account number and could not assist further. ( I did not have a full account number as I never received one ). I was advised to visit a branch in person to resolve the issue. This experience has been both frustrating and disappointing, as I believe it is the bank 's responsibility to provide clear communication and resolve the matter in a timely manner. 

I respectfully request an immediate refund of my {$25.00} deposit. I also hope that Citi Bank will take this opportunity to improve communication with customers, ensuring that situations like mine are handled more transparently and efficiently in the future. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2018-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

Hope this finds you well. My business recently was affected by unauthorized transactions to our checking/debit card accounts. We processed in time and to accordance unauthorized transaction disputes. These disputes have been denied twice by the bank itself stating that we have done business with the merchant in the past. The merchant in question has been our business processor, they added services and equipment to our invoices without delivery of either, they have since via email communication offered to credit the amount of the equipment and offer our business a substation discount on future invoices for the situations. 
The bank however refuses to reimburse our company and our personal accounts more than {$2000.00} in fees associated with the loss of these large amounts with caused our accounts to go negative. We had to personally contact the merchant with whom charged that took unprecedented amount of hours and time. 
We where told several times that provisional credits would be applied to our accounts within 10-days of the disputes and where mislead, not only once but twice. These lies created negative accounts and absorbed any and all operation funds coming through. 
Our accounts have suffered extreme damage as well as our reputation and character with our staff, merchants and other vendors who where effected by loss of funds. The bank has neglected us as customers and created situations that could have been avoided. They have been negligent since XX/XX/2018 when we first disputed the amounts and they told us not worry.
Consumer complaint received 2024-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (FL)

On XX/XX/24 I recieved a written letter from Linebarger, Goggin, Blair & Sampson, LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX in attempt to collect a debt in the amount of {$55.00} on behalf of FL DOT/XXXX XXXX It references a date of debt acquired as XX/XX/24, however, the only paper toll invoice I have received to this date was referencing a due date of XX/XX/24 for {$110.00} with no late fees applied. I was in the hospital from XX/XX/24 to XX/XX/24 with XXXX XXXX XXXX XXXX XXXX and on XXXX I did verbally communicate this to XXXX customer service via phone. I also let them know I was getting paid on the XXXX, and on XX/XX/24 I paid a total of {$210.00} for the current balance due plus any future unbilled tolls that had not yet been sent out in a paper invoice per the XXXX acount. There was no late fees assessed and no mention at any time of threat of collections. Today, XX/XX/24, upon receiving this notice of collections, my XXXX acount reflects a future due amount of {$34.00} with no late fees, and a statement for this future due amount has not yet been received. I have attempted to reach out by phone three times today to this third party debt collector, in an attempt to notify them they are trying to collect on a already paid bill. The line rings out with an error tone unable to reach caller recheck number and try again XXXX ( XXXX ) XXXX is what is listed on their collection notice.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (WA)

I deposited money on the XXXX and the XXXX XXXX being XXXX and the other XXXX I was charged a missing claim id of XXXX dollars because the investigation concluded they only found XXXX dollars deposited on the XXXX. Nothing made sense and nothing is adding up as to why they took my money and what evidence they have to do so. When I called the customer service kept switching between the transactions and it felt like she was trying to confuse me so I would hang up. She provided no new information or help and refused to let me talk to someone else. I do not have receipts for my deposits as they were made through my phone through XXXX XXXX. I dont have much evidence on my side but I know there was a security guard and footage of me standing at the chase for over XXXX minutes depositing my money.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (MA)

In accordance with XXXX XXXX, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. 
Inquiries that I have not authorized also have affected my credit standing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am a victim of identity theft my account was hacked all XXXX cards were closed by capital one for fraudulent activity in which someone had stolen my identity hacked my accounts again begin to use my cards and transfer money from my bank accounts, I disputed with capital one they knowing still are reporting me late after credit cards been shut down for fraud when I disbuted the charges they closed XXXX out with XXXX balance but left XXXX open with balance I dont owe! I didnt make those charges!
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (NV)

I never received the {$500.00} transfer from my Chime account to XXXX. It looks like the account and routing was to the old bank account from XXXX, which was using XXXX XXXX  XXXX XXXX. XXXX is no longer using XXXX XXXX  and is now using XXXX XXXX XXXX XXXX The reason for the switch was a XXXX. Chime now has my funds on hold and have locked me out of my account. I have tried numerous time to explain to them that the routing was to XXXX XXXX  and they admit that the funds were returned. However, they will not release the hold on my account.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (CA)

I did not recall this credit report on XX/XX/year> from XXXX XXXX. Someone must took my identify. 

CREDCO Inquiry : XXXX. XXXX, 2024 - Miscellaneous ( XXXX ) XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information CREDCO XXXX XXXX XXXX XXXX XXXX, CA XXXX