davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MI)

I have been attempting to close my account with Coinbase.com However there is {$1000.00} dollars in cash in the account that Coinbase is not giveing back to me. 

I was told to move all my assets off the site, and I tried to and all my digital assets I moved off, However they have Coinbase Pro and that is where my {$1000.00} is and there is no option for me to deposit that money into my bank account. They also dont respond to any of my emails. They are robbing me.
Consumer complaint received 2024-07-08
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. (CA)

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Hello, On XX/XX/XXXX {$2000.00} was put out on hold in my bank. I called to discover i had a Court Order levy and was only given the Lawyers name and phone number. I was never served or given any legal documents saying i was being sued. I called the lawyer, XXXX XXXX XXXX, repeatedly and left messages. 
I called the bank again and tried to get further information and they gave me a case number and the client who is Portfolio Recovery. 
I currently have no outstanding dept in collections. And have a good credit standing. If this debt is real it has to be over 15-20 years old when i was in college. But i cant find any information with the original debt collector.I havent lived in the county this was filed in in over 10 years. Theres no way this can be legal and allowed.
Consumer complaint received 2023-03-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Forest Recovery Services LLC (TX)

A collection for Forest Collection was put on my credit report recently for {$610.00}. This is the first I have ever heard about this. Never received any notice in mail for debt owed. It shows debt was from XXXX  which was XXXX  years ago. Isn't there a statute on these things anyway? Regardless, I can't pay something I am not made aware of and I never was made aware and all the sudden it just shows up on my credit report.
Consumer complaint received 2024-07-09
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: CITIBANK, N.A. (NY)

Name : XXXX XXXX XXXX : XX/XX/XXXX Email : XXXX Phone # : XXXX XXXX XXXX XXXX Dispute I purchased a service from XXXX that was not fully provided. The service was for teeth straightening and would include physical aligners, dental checkups, a dentists oversight, retainers, refinements, and additional aligners as needed. I signed up for this service in XXXX of XXXX. They Initially gave me a 6 month treatment plan. After finishing all the aligners, my teeth were still extremely crooked. They were nowhere near straight. They had guaranteed me that my teeth would be completely straight in the end. After showing them my teeth were still extremely crooked, they made me an appointment in store for a rescan. They rescanned my teeth and sent me more aligners XXXX XXXX weeks later this is what they call a touch up or refinements. I did this over XXXX more times with them for the next 3 years. On XX/XX/XXXX I was approved for another touch up because my teeth still werent straight. They had emailed me stating they were making me more aligners. They also gave me a short video which is called the smile journey, it shows what my teeth look like now and how they will look after going through all the aligners. Some time had passed and I never heard from them, then they sent me an email saying they were closing and they would not send my aligners. I have not been able to reach a single person by phone, email, or through their website. My teeth are still crooked and XXXX did not honor their guarantee to me. They are not sending me any more aligners, I never received my final retainers because my teeth are still crooked, I have no way of getting dental checkups and there is no more dentist oversight. Please see the attached files as evidence. 


CITI HAS REFUSED TO HELP ME, THEY HAVE GIVEN ME THE RUNAROUND FOR A MONTH. ONE PERSON TRASNFERRING ME TO THE NEXT ITS RIDICULOUS.
Consumer complaint received 2024-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thunderbird Collection Specialists, Inc. (AZ)

I was looking at my credit report and noticed a debt in collections for nearly XXXX. I was shocked because not only have I never been late on a bill before, I've never been in collections. The information of the report did not indicate what the bill was so I disputed it and they returned with the fact that it's a medical bill. I have NEVER heard of this medical office and I have never been contacted about a payment owed. The only time I was in the hospital was to give birth to my daughter and I know everyone who was my medical team. I assume this is fraudulent at best and predatory at worst.
Consumer complaint received 2024-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates (CA)

Laundry company contracted with clients that I referred them to. Their contract was between them and the clients. They have written contracts between them and their clients. When the clients failed to pay them, they decided they would try to bully me into paying the debts by hiring a Texas Collection Company that has harrassed me, my wife, my friends. They have left negative reviews on social media about my business. 

They have no basis for attempting to collect from me. I am not their customer.
Consumer complaint received 2024-07-10
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I went to the movies on XX/XX/2024 and while watching I got an urgent call from my mom that she was not doing well and went to see her at the hospital. It turned out to be a false alarm. In that rush, I left my pouch in the movies with my phone, credit cards, and a copy of my license and social security card. Many more sensitive documents were in there. When I went back to the movies I asked the front desk if anyone returned to the lost and found department. 

I later got to find out that a lot of charges were made by someone on many of my cards and XXXX was one of them. I called them and said all this to them and they have only reversed and given me provisional credits for 3 of the 6 transactions. This violates the FCRA act as they should give all provisional credits right away during their investigation. This is hurting my credit as well and they are asking for minimum payment on fraudulent charges.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-07-13
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (NY)

i apply for a loan modification and got decline because they said my investor does not do loan modification any more. i remitted the paperwork did a hardship letter. provide all the documents. all for them to tell me that it decline because they dont dont do modification i know they did it in the past since i had once did it years age the server is mr cooper my loan number is XXXX i have been living there for 15 years
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : TRAFFICKING BLOCK REQUEST TO whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Accounts that are being challenged : XXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX  Account number # XXXX XXXX XXXX XXXX XXXX Account number # XXXX XXXX  XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX account # XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS , PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 | DOCKET NO. CFPB-2022-0023 | RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I transferred the balance of my Capital One Credit Card to my XXXX XXXX XXXX Credit Card last month ( XXXX ). This has lowered my credit score regarding percentage of available credit used. I want the correct balanced reflected on my Capital One Credit Card which is no longer {$1600.00} it's {$0.00}
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NRA Group, LLC (OH)

They reported that I owed a certain amount of money without notifying me since 2022. I was never aware of such and I am sure the law required them to contact me and let me know about the debt. Since 2022 when they said I owed the money they did not contact me and it got reported and when I saw this on my credit report, I disputed it, and that was when they contacted me via text and mail after my credit was already damaged. Since 2022 when they claimed I owed the money they never contacted me for once.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting. Screenshots show the reporting company 's inconsistent reporting data.
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I recently moved and changed banks. I neglected to change the account used to pay the balance on this card. The incorrect bank was charged on XX/XX/XXXX and refused payment for insufficient funds. When I received a note from my former bank that there were insufficient funds for the ACH ( on XX/XX/XXXX ) I immediately went online with the credit card company web site to correct the record and make a new online payment from my new bank. The web site refused to allow me to make a new payment or correct the bank for the current month. Still on XX/XX/XXXX I called the credit card company and spoke with a representative who said that I could not make a new payment until the CC company had been notified by the bank that there were insufficient funds. I was told that the bank notification of insufficient funds would " clear soon '' and I would be able to make my payment online but that there was no point in calling them back. I have been checking twice a day since XX/XX/XXXX. On XXXX XXXX I received a new notice from my bank that the CC company had made a second attempt to charge the bank ; however, I still can't make a payment online or correct the payment information for the current month. Today - XX/XX/XXXX - I contacted the CC company again by phone and they still refused to allow me to make a payment or correct the payment information for the current month, saying that their system did not allow it. The representative supposedly asked a supervisor and the supervisor also refused to allow me to make a new payment on my account or change the bank that the CC company is incorrectly charging. Late charges will begin to accrue on XXXX XXXX. I have asked that records be kept of my repeated attempts to make a payment and their refusal to allow me to do so.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (GA)

I have been identified as a victim of XXXX  that has resulted in XXXX XXXX and effects my consumer report. As a XXXX of XXXX XXXX XXXX XXXX XXXX, you have RIGHTS. Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your Background Check attributable to trafficking may be BLOCKED from Background Check reports ordered by future employers, volunteer organizations and landlords.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

*I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to XXXX XXXX and send me a copy of my updated credit report. ''
Consumer complaint received 2024-07-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the National Mortgage Licensing Service .

2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the National Mortgage Licensing Service.

5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Consumer complaint received 2024-07-10
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

I leased a Vehicle XX/XX/year> For a set amount. Lease was approved and set XX/XX/year>. I then received a credit alert. That the dealership ran my credit again for a larger amount with out my permission on XX/XX/year>. For a different Amount.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/year>, the principal applied for and consented to American Express arranging credit through a XXXX XXXX. American Express declined the application, citing the principals FICO score. The principal called American Express to address this issue, noting that, according to the prospectus in the investor relations section, American Express does not use FICO scores to determine credit extension. Additionally, the principal emphasized that the originator of the credit is the principal, not American Express. The principal has not waived the security interest in the application. Since the principal provided American Express with something of value ( security ), which was turned into receivables, the principal is now awaiting something of value in return from American Express. If American Express does not provide the services, the principal will need the security returned.
Consumer complaint received 2024-02-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Round Up Ventures, L.P. (TN)

I responded to an ad offering a low interest personal loan. The actual offer that I received was for a high interest personal loan at 216.85 % APR. How is 216.85 % APR even legal?
Consumer complaint received 2024-07-10
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (MS)

I contacted CashApp this morning at XXXX XXXX. Concerning a fraud that happened with a purchaser giving out false information about purchasing a vehicle. They asked me to give specific details concerning the interactions with the purchaser and once the information was given out. They proceeded to tell me it wasnt much they could do. Because they didnt have much information about the person. Even though they accessed my account and were able to see everything. After the conversation was ended with them. I searched online of how I could further my dispute with CashApp. On the website CashApp provided a number XXXX XXXX of how they could help you dispute a transaction from CashApp if you were a victim of a scam.I called the number and told the representative ( XXXX XXXX of my situation. He told me that he could most definitely help me. Then he told me to download an app from my XXXX XXXX. The app is called XXXX XXXX XXXX. He said by me downloading it would make it much easier to lead me step by step with helping with the refund. He had to go into my CashApp to verify it was me. He then asked for banking information. He asked for me to go into my savings account and to send money to my CashApp. The total was $ XXXX that was finished. He then asked for my mothers cash app information. All while saying it was a procedure to receiving my refund from the previous issue.After that He had me to go into my contacts with CashApp and request people for money while stating ( wasnt real ). It was only a procedure. He also had me to call them saying that he would call them to verify it was me. For procedures to receiving my refund. Once that was finished the money that was taken from my bank. He asked me to go into XXXX on CashApp ( Procedures ). And to put they amount I had on there and confirm it. He told me it was not real but all the steps. I needed to follow. He left me the number which I stated previously to call back to if we lost connection. When I tried to call back it said the number was unreachable and disconnected. When I called the Cash app helpline and told them XXXX of their representative scammed me. They told me it wasnt much they could do.