davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

Case # XXXX On XX/XX/XXXX my Coinbase " XXXX '' wallet was " dusted. '' ( aka " Dusting Attack '' ) There was a unfamiliar cryptocurrency inside the " newly '' added application called the " dapp Wallet '' ( functionality added to supposedly give access to web XXXX crypto websites. ) After reporting and opening a case, coinbase has not only ignored my case for over 3 months, they've also refused to give access back to my " Trading Account. '' The terminology they've used is as follows : " Why the wait? We understand it may be frustrating to wait, but this is the fastest way to get back into your account. Contacting out customer support team could delay your account review by several weeks. '' The review of my account was supposed to end XXXX XXXX, XXXX. XXXX date is XX/XX/XXXX. I believe that coinbase is systematically involved in shutting out customers whom have large amounts of funds on their platforms. Using the funds to manipulate cryptocurrency prices, and then either " allowing '' certain customers access back, or " retaining '' the funds of others for extended periods of times. Not only to boost their stock prices but also to " boost '' the prices of cryptocurrency they offer. This is Fraud. This constitutes " Ponzi Scheme, '' even under the most basic interpretation of United States Tax Law Code. My losses to this company are the most I've experienced. Ever. Being locked out of over XXXX $ of my own personal funds, for months, constitutes theft and scam in my book. No explanation for their email support, and zero reply to my case 3 months after the promise of my account being restored. This also, as a note, happened almost 2 weeks after the XXXX collapse and theft of Billions of customer funds. It seems coinbase has taken a " slow burn, '' approach to the appropriation of customer funds instead of a " total collapse, '' as XXXX had. Its apparent to me, that coinbase is either mismanaging customer funds, as I'm apart of the group they've stolen from, if not directly, in part. However, even in part, this is against the law. My case is either being delayed on purpose, or in order to give the entity known as " Coinbase Inc. '' time to re-organize their holdings in order to better meet a legal case already being brought forth against them, or future such cases that will be, based on their already " suspicious, '' activity. That of which I've directly observed. My such case is on of XXXX other such cases ( that I know of ) that are quickly turning into legal action against " Coinbase XXXX '' XXXX Customer Support, XXXX Response from anyone representing coinbase. XXXX accountability by " The Worlds Number XXXX Cryptocurrency Trading Platform. '' I believe this to be fraud, theft/scam, and a Ponzi Scheme, if not on the world stage as I claim here, in part for my case. Which, is still illegal in any case. Whole, or part.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2020-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

Between Monday XX/XX/2020and XX/XX/2020there has been 3 transactions totaling {$70.00} sent from my account that was not authorized I contacted the cash app company to get my money back and they where no help.
Consumer complaint received 2024-02-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp. (AL)

Violation of XXXX CFR XXXX ( c ) ( XXXX ) ( i ) : This section requires that a debt collector include a statement in the initial communication with the consumer regarding the consumer 's right to dispute the validity of the debt. I did not receive any such statement in your communication, and therefore, they are in violation of this regulation.

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This regulation mandates that a debt collector, upon the consumer 's written request, provide the name and address of the original creditor. I am formally requesting this information, and failure to provide it would constitute a violation of this regulation.

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : It has come to my attention that they have reported information to credit reporting bureaus without providing any and all disclosures required by law. This is a clear violation of the aforementioned regulations, and I request that they rectify this by providing the necessary disclosures immediately. 

Lack of XXXX XXXX : Additionally, I am disputing the debt on the grounds that they have failed to furnish a purchase agreement between their agency and the original creditor. This documentation as it is crucial to validating the legitimacy of the debt. 

Request for XXXX XXXX : I am formally requesting validation of the alleged debt, including but not limited to the original amount, detailed breakdown of charges, and the complete chain of ownership from the original creditor to your agency. 

Proof of Licensing and Bonding : As part of my dispute, I also request proof that your agency is licensed and bonded as required by law in the XXXX XXXX Minnesota XXXX Department XXXX code XXXX LICENSING AND REGISTRATION, where the company is located.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlantic Recovery Solutions LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX  PHONE NUMBER XXXX XXXX XXXX XXXX HAS BEEN TRYING TO CONTACT ME ABOUT A XXXX XXXX ACCOUNT FROM XXXX. XXXX  WHICH I HAVE NOT EVER HAD WANTING TO GET FUNDS ( {$750.00} ) TO PAY OFF THIS ACCOUNT I NEVER HAD HE HAS ALSO CONTACTED MY SISTER IN LAW AND MY NIECE ASKING THEM TO CONTACT HIM TO FIND ME THIS IS HARASSMENT AND HE KEEPS TRYING TO COLLECT FUNDS FROM ME FOR A ACCOUNT I NEVER HAD I HAVE ALSO SENT THIS INFORMATION TO XXXX XXXX COUNTY DISTRICT ATTORNEY OFFICE CYBER FRAUD UNIT
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$670.00} XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NY)

On XX/XX/24 Ive noticed on my credit report a debt collection, I have no idea was open under my name and social. The name of the company is LVNV Funding LLC, XXXX SC, XXXX, they are collecting for XXXX XXXX for {$830.00} dollars. I contact them and was told to file a complaint online before removing this debt off my report.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: John C. Heath, Attorney at Law, PLLC (ME)

I signed up with Lexington law about 6 or 7 yrs ago to try and fix my credit they had me pay them $ 150 monthly for about a year before I lost my job and had to cancel services during that time they had challenged most everything on my credit report and continued to do so so that it looked like things where being removed from my report which brought my score from XXXX to XXXX only once I canceled service did I figure this out because everything thay had appeared to have had removed came back as brand new debt and hammered my score down to XXXX that did nothing they claimed they could do and it has taken me years to get my score back up to XXXX
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO Bank, N.A. (WI)

They are holding my paycheck as fraud, I cashed my check via mobile app on XX/XX/2024, and they held it for more than 10 days. it was disbursed on XX/XX/2024, according to my boss. they are still holding my money with no answer, they are stating it is fraud because my work address is in Texas, we explained why my address is in Texas to them, it is due to us repairing commercial buildings after major fires. We move a lot. they asked for my boss 's number and we provided them with that information right away. a lady on the phone told me they would hold my funds til XXXX with no reason why. I think it's because I am XXXX. I asked if they had done anything else to get my account off fraud and they stated no and couldn't tell me any more information. No police report was filed and I am still without my paycheck.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of XXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc (TX)

They were claiming to check my medical bill, I asked why they were calling and they replied theyre just debt collectors for this medical bill Im paying off, they didnt even know I already had a payment plan. The first six digits of the number always start off the same and the last 4 are different. I also called the hospital just to reaffirm if this was typical or if it was something else, they said they only call from one number thats completely different. I did my best to not give out too much information because its my first time paying off a hospital bill and Im not sure how these things really go. The information I did give was my DOB and the amount Im paying off monthly, they asked for a receipt number or a verification but I said I wasnt able to provide one ( which wasnt true ).
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: DIME COMMUNITY BANCSHARES, INC. (NY)

{$600.00} ATM withdrawal did not dispense funds to customer. Dime bank still debit funds from customer account XXXX routing # XXXX no credit back to account to date. Customer wants theft corrected/refunded with interest checking/ATM. Branch at XXXX XXXX And XXXX XXXX. In XXXX XXXX.
Consumer complaint received 2024-04-22
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (MS)

On XX/XX/2024 my personal items such as phone, wallet, car keys and backpack were all stolen. During that time someone used my debit card and make purchases thats wasnt authorized by me. Once I was able to cancel my cards the purchases were already made. Ive disputed the transactions twice and have been denied both times with no explanation why.
Consumer complaint received 2023-11-17
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BMO Bank, N.A. (IL)

I pay for parking and I thought the parking people were charging me twice but they investigated and showed me that it was only being charged to my account once a day for some reason my bank is charging me twice for a transaction this is not the first time Ive had a problem with BMO charging me for something or sending my money twice Im really getting fed up something needs to be done about this its my money
Consumer complaint received 2024-04-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONTRACT CALLERS INC (NY)

This debt collection company have been calling me Numerous time through out the day I have sent letters asking to stop, telling them that I dont owe the debt and the just keep harrasing me and its really hurting my credit and stoping me from living my life! Its my right under the fair credit act that they remove this from my credit
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (LA)

On XX/XX/XXXX and XX/XX/XXXX I called Freedom Mortgage regarding forced homeowners insurance placed by them on our mortgaged condo. In both instances, after hours of telephone contact, I was notified that our building insurance documents had been received by Freedom Mortgage and that the forced insurance payment made on our behalf would be fully refunded to our escrow account.Our last statement dated XXXX  showed an increase of {$490.00} to our monthly note payment due to the payment of forced homeowners insurance. I waited to see if a corrected statement showing the original, correct, note payment due would be sent to us. None was received and since the note is due on XX/XX/XXXX I called today to verify that payment at the original fixed note amount would be accepted as timely full payment of the note. Customer service stated that the note was increased due to a lapse in our insurance coverage and purchased insurance. After about an hour of discussion a supervisor told us that the company notes showed that our provided insurance was in place for the full period and that the forced insurance premium will be refunded in full, but they are waiting on an escrow run requested in early XXXX that has not been completed due to a backlog in escrow processing. He said the correct original note payment will not be accepted until the escrow run is complete possibly in late XXXX. He said that if we make payment by XX/XX/XXXX the late payment will not be reported as delinquent and we will not have a late fee. If they have not been able to make the correction by then we will have to pay the increased mortgage amount to be considered current in our payments.
Consumer complaint received 2024-01-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I'm requesting that Executive Leadership at Credit Acceptance Corp review this complaint and I'm seeking that an EL Team official respond to this issue. This Auto Loan account was opened XXXX XXXX, XXXX. The account was charged off and XXXX XXXX XXXX XXXX XXXX was the debt collector ( Exhibit Letter XXXX XXXX XX/XX/XXXX ) and the case was dismissed. The account has been charged off. A debt collector collected the debt and documented that the account has been satisfied paid in full. I requested through XXXX for the 7 plus year old charged off debt paid in full to a debt collector be removed from XXXX, XXXX, and XXXX. Credit Acceptance Corp has did opposite of that and it is clear. How can this be explained that now I have a balance of {$3900.00}, from an 7 plus year old account that was charge off for Credit Acceptance Corp tax purposes that was paid in full to the debt collector and I now have a balance of {$3900.00}, because I have filed numerous complaints with CFPB regarding this issue and requested through XXXX to have this item removed because it is affecting my XXXX  score. I have been trying to resolved this issue to have this 7 year old charge off debt paid in full removed from my credit file and now with this new information that I owe my XXXX  score has decreased.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (GA)

I sent in for the company to verify the debt which the credit bureau are verifying the debt as mines with no documentation. Ive also been threatened to be sued. They also created false statements on me, repeatedly, phone calls, and harassing me causing hardship to my livelihood none of these accounts are authorized by me, but yet still reporting on my credit I have disputed this several times, and they continue to report inaccurate information