davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I am requesting debt validation, according to 15USC 1692G, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with LVNV Funding LLC, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights.

1. Send full detailed list of payment history on this account 2. I want to see original signature that I agreed to on the contract for this creditor 3. Has there been any insurance claims filed on this debt 4. I want to see the chain of title you have on this debt
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc. (PA)

I have a Coinbase wallet that has a balance of XXXX. When I sign in, they say they are closing my account and I need to transfer out remaining balance to complete account closure. When I go to transfer funds, there is an error saying I don't have the privilege to send funds and to contact support, in which " support '' has been unavailable/unreachable to resolve the issue. This has been going on for years and I can't get it resolved because Coinbase does not have a phone number to talk to anyone and the Coinbase support team indicates they can take up to 3 weeks to respond back via email. With all the back and forth I am still unable to transfer my funds out and close account. I've exhausted all possibilities.
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

On XX/XX/year> I place an order to purchase {$2300.00} of XXXX ETH using my bank account for settlement. Funds were transferred from my bank to Coinbase however they have not let access funds in my account until XX/XX/year>, because of this issue I had to place a sell order to access funds as cash which I still not being able to do it. 
Coinbase charge me {$130.00} commission for buying and selling something I have not beinfg able to access. 
I should be refunded commissions since I am not able to access funds in my account until XX/XX/year>.
Consumer complaint received 2024-08-01
Product: Credit reporting 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. (NJ)

I found unauthorized inquiries on my credit report this morning, and I don't know why they're there. While checking my credit report as usual, I discovered discrepancies that appeared out of nowhere. I refreshed my browser to see if it was just a glitch, but the unauthorized inquiries were still there. Because of this, I am asking for a thorough review of the documents I sent to ensure this issue is resolved permanently.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Im trying to buy a house and when my credit report came back, it stated I XXXX  XXXX received a late payment which is false. I set up automatic payments so it comes off same day every month. I have called and was told I was never late, but they dont have letters that state that. Only credit reference letters.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive recently received a copy of my credit report and noticed that several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health and life.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

Im writing in regards to the new account bonus that Chase is refusing to pay to me. 

https : //account.chase.com/XXXX At the above hyperlink is the offer I applied through when I opened my checking and savings accounts in XX/XX/XXXX. I clicked on XXXX both accounts so that I could receive {$900.00} when opening a new chase total checking and a new chase savings account and completed qualifying activities. The website is very clear in stating that Coupon code applied when you choose " Open both accounts ''. I did click on that button, and opened both accounts. I then completed the qualifying activities, by opening a new Chase Total Checking account, having my employers direct deposit made to that account within 90 days, opening a new Chase Savings account and depositing a total of {$15000.00} or more in new money into the new savings account within 30 days, and maintaining at least a {$15000.00} balance for 90 days. Per the terms, a total of a {$900.00} bonus will be paid out within 15 days of satisfying these terms. Chase has refused to do so.

I have sent Chase multiple secure messages through their proprietary portal, and have been told that the coupon was not applied to my account and so I am ineligible for the bonus. As I relayed above, Chases website states that by clicking on the hyperlink, the bonus coupon code will be applied to the account. In fact, when I clicked on the hyperlink, It stated at the top of the screen Were applying your offer. Attached is a screenshot of this. I do not know why Chase is claiming the offer was not applied to my account.

After multiple messages, an account escalation specialist named XXXX was assigned to the case. She left me a voicemail on my cell phone, going direct to my voicemail box without ringing. However, I have attempted to contact her 3 times to date and she does not answer her extension. She has not returned any of my XXXX voicemails. Today, XX/XX/XXXX, I spoke to an account supervisor, XXXX, who was unable to assist me further other than contacting the same specialist who would not answer his inquiries either. He states he is unable to connect me to any other person or supervisor. I have been unable to resolve this situation despite my best, and repeated, efforts. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-04-10
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. (FL)

This is XXXX XXXX, and I am submitting this complaint to you today to inform you I was a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts and information which do not belong to me or were opened without my permission : Medical ( Original Creditor : ) XXXX Balance : {$39.00} Medical ( Original Creditor : ) XXXX Balance : {$23.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (GA)

I rec 'd a series of scam emails from someone portraying to be my closing attorney, and over 10 days they had the exact amount of my XXXX money, the down payment amount and the amount of the loan as well as the closing date, and created emails of all the correct parties involved, so on the XXXX day I wired {$100000.00} from XXXX XXXX to Citi Bank on XX/XX/year>. That was only the initial amount, so they knew I still had to put more money down for closing so on XX/XX/XXXX, I wired the final amount of {$51000.00} from XXXX XXXX to Citi Bank. Then the next day I received an email from the real closing attorney, I freaked out. Called XXXX and told them the situation, called XXXX XXXX  and told them the situation, called the FBI and filed a a XXXX, filed a local Police Report. Later received a call from the FBI saying the money was still at Citi and had not been sent onto a XXXX bank, so I needed XXXX to send a Hold Harmless Letter to Citi. XXXX on XXXX sent Citi a Hold Harmless letter and Citi responded with an acknowledgement message. A person at XXXX has reached out to Citi, but they will not give XXXX an update, we have been told the issue is being investigated, the account is Restricted, and XXXX, all the money is still in the account. I am concerned that Citi is dragging their feet and I would really like the money back in my account at XXXX. Is there anything you can do to motivate the process to return my money...?? 
There is alot of the details of questions I asked my mortgage people, and they failed me with lack of an answer or no attention given to the situation, so please don't think I just wire money on a whim.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-06-28
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. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-09-25
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. (NV)

I have been working on my credit since XXXX of 2020, I realized there were accounts on my report that I did not authorize or approve of. I did lose my purse almost 10 years ago. I didn't think anyone was using my information till I started looking over my credit. I filed a police report and identity theft report. I then went to dispute the accounts through the credit bureau and they have not erased them from my credit report.
Consumer complaint received 2024-05-31
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I have been working with care credit the last few months to get my payment allocation resolved without any success. I have made multiple calls and talked to different people in different departments. I was told I need to wait and call back they could not access my account because it wasnt accessible, etc. They opened tickets to resolve my request. My calls were initially only pertaining to the promotional expiring on XX/XX/2024 with the initial purchase amount of {$420.00} and on my statement with a balance closing date of XX/XX/2024. They were misapplying payments to other promotions that were not expiring until after this one even after I requested to go to this promotion first. I paid way over the expiring balance and because my payments weren't applied properly it showed a balance and still shows on my current statement. 

They finally made some adjustments after much effort. However, after reviewing my statement to ensure accuracy I noticed something new. They can not explain to me why my promotional balance of {$330.00} exceeds the initial purchase amount of {$300.00} on my XXXX statement. I was told that my payment of {$50.00} on XX/XX/2024 was applied to this promotion. If the {$50.00} payment was applied to this promotion expiring on XXXX my balance would be {$250.00} but online it shows as {$280.00}. I am confused and they asked me to call back again. This feels very deceitful they are now moving money around to cover up their error. If I wouldn't have noticed this, I would have ended up paying more money. Please help me.
Consumer complaint received 2024-04-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (CO)

I filled out all the info online to make the XXXX XXXX, 2022 deadline for XXXX and sent it into MOHELA via registered mail with plenty of time ( almost XXXX weeks ) to spare. I never got any response at all. 

My loans were not transferred over and I was not able to begin the forgiveness process. Right now, despite making 10 years of what SHOULD HAVE BEEN qualifying payments, it says I have XXXX qualifying payments and I still owe almost as much as when I started. The XXXX government made me a promise and I held up my end of the bargain. It is outrageous that the program has been mismanaged so badly that we are left holding the bag.
Consumer complaint received 2024-08-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (MI)

I received a check from a bankruptcy distribution. I deposited the check into cashapp. The next day I received a note that the check was denied and I was banned from depositing any more checks due to my violation of the terms of service. 

I have repeatedly asked support why the denied the check and how exactly I violated the terms of service by depositing a completely legitimate check. 

They refuse to answer, they just tell me to see the terms and refuse to say how they decided the check was bad, or why I cant appeal it when they are blatantly wrong.
Consumer complaint received 2024-08-01
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. (NY)

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

I am also requesting the date that the supposed delinquency incurred, which should have been given to you by the companies. I know that it typically takes XXXX years for a trade line to be removed, but I would like to know the specific month and year that this trade line will be removed. 

ACCOUNTS : XXXX XXXX XXXX and XXXX  XXXX XXXX.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (VA)

To whom it may concern, I have been informed that there are negative information reported by US Bankruptcy in the file you maintain under my social security number. Upon ordering my credit report, I see 3 entrys from this court listing with reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The entrys with this court appears to be inaccurate. 

Please verify and validate this this information with the court and provide with documentation associated with these accounts granting you authorization to report this information, bearing my signature, I formally request this information be immediately deleted from the credit profile you maintain under my social security number. 
Best Regards
Consumer complaint received 2024-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MA)

I've reached out to Mohela several times since the XX/XX/XXXX decision on XXXX plans. I unfortunately consolidated my student loans right around the time this decision was made and was unable to enter into an XXXX  plan. I completed a XXXX  application and simultaneously reached out to Mohela for information on what options were available during the waiting period if I am unable to pay the full amount of my loans without a reduced payment option. I've reached out multiple times requesting information on what options are available and have received no response. I understand that the XXXX application can't be processed at this time, but I do not understand why no information is being provided about preventing default during the time period when the applications can't be processed. It seems unethical to not provide information of some sort to borrowers who are trying to do the right thing but can not do so because of the government 's current decision.
Consumer complaint received 2024-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NC)

I made a payment to the recipient from " Cash App '' on XX/XX/XXXX which has my checking account linked to the Cash App. 

The payment I sent got expired as per the terms and conditions if the recipient does not accepted within 12 days and I got the notification that payment would be sent back to the original payment method. 

I reached to customer support team of Cash Ap explaining that the checking account linked to Cash App has already been closed and the bank will not accept any returns or refunds anymore. 

Asper my discussion with Cash App support team on Friday ( XX/XX/year> ). I was being told that the balance would be reflecting in Cash App balance, but it has been over 3 weeks since the payment was sent and Cash App still not refunding my money due to the payment getting expired. 

Cash App has made me running door to door for my own money due to their terrible policies not making customer able to access their own funds seamlessly. 

Cash App following malpractices by holding customer 's money for prolong period with no insight or respite to such kind of scenarios wherein customer needs to get their refunds on-time when a payment expires.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc (TX)

Yesterday, XX/XX/year>, I received an email from Affirm Money which is a savings account. I have had an account for years. The email stated my account was frozen after I made a transfer withdraw to my checking account at my local XXXX XXXX. This is the first withdraw I have made, after years of consistent monthly deposits. I immediately did the ID verification as well as spent over an hour on the phone with XXXX different Affirm representatives who only then told me they could give me NO timeline on when I would have access to the transfer OR my account at all. The transfer was for the legal, daily amount for {$25000.00}. My balance in my savings is {$73.00}, XXXX. 

I am VERY disappointed in how this was handled and very upset. I would like answers and I would like to cancel my account- and my {$73.00}, XXXX back immediately. Of the XXXX people I spoke to, XXXX was a supervisor, and again, no one could tell me when I would be able to access my transfer or my account at all. There is no email or way to contact affirm and their representatives as shown are of no help. I am very concerned and need help getting this resolved.
Consumer complaint received 2024-08-01
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. (TX)

I am writing to formally address the fraudulent account opened with XXXX XXXX. This is my second complaint with the CFPB regarding this matter. Despite my previous complaint, the account was not removed, and no evidence was provided to prove that the account belongs to me. 

I wish to clarify the following points : XXXX. The XXXX XXXX account was opened fraudulently and is not mine. 
XXXX. I have multiple police reports confirming that this account is not mine. 
XXXX. No identification or information provided by XXXX XXXX matches my records. 
XXXX. I have never lived at the address associated with the account. 
XXXX. The bank account linked to this fraudulent account is not mine. 
XXXX. I have never made any payments to XXXX XXXX, nor have I confirmed any information with them. 
XXXX. I have never spoken to anyone from XXXX XXXX regarding this account. 

According to the law 15 USC 1681i All information must be validated and insured to be correct. XXXX is breaking the law. 

I request that the CFPB take immediate action to remove this fraudulent account from my records and acknowledge the multiple police reports that substantiate my claim.