davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-01
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: AmeriCollect (FL)

I contacted Americollect over a week ago about a debt that popped up on my credit. I was told it was medical bills for my daughter. I explained to them that I was not aware of the debt and was not given the proper letter of notification to offer a dispute. I explained to the rep that I am not the responsible party for this debt it is her mother per the court order. The rep advised she will get this closed out on her end and have the credit updated accordingly. 

I called back in today and spoke with a rep who gave me totally contradicting information. I requested a member of the management team. A supervisor by the name of XXXX took the call. XXXX was not engaged in the conversation and was not trying to understand my concern. She was more focused on my attorney than my concern that I called in to discuss. I asked to speak to her manager she placed me on hold and then hung up. 

The negligence and reckless reporting by this company has negatively impacted my credit. If they do not fix this voluntarily I will not hesitate with legal action against Americollect.
Consumer complaint received 2022-11-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates (GA)

I visited XXXX XXXX XXXX and paid what they said I owed at the time of my visit last XXXX. Since my visit, I have received bills stating that I owe more, which I won't pay since I have already satisfied my payment. They've " decided '' that I should pay more " just cuz. '' I had no insurance during my visit, so my payment was over a XXXX dollars. I do not have a copy of my payment, but they should have it on their computer. 

Also, I am confused about the nature of the bill " XXXX XXXX '' because I did not have x-rays. The visit was for XXXX, which doesn't require x-rays...
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

XXXX XXXX XXXX. I am writing to bring to your attention a distressing issue involving your cryptocurrency company. I recently reported a fraudulent incident to XXXX, the receiving cryptocurrency exchange, based on the findings outlined in the " XXXX Forensic Evidence Report ''. However, XXXX informed me that the recipient wallet address used by the scammer does not belong to their exchange. Instead, they suggested that it might be a " third-party wallet '' associated with your cryptocurrency company. According to XXXX, the wallet in question interacted with a smart contract commonly used for Coinbase transactions. Hence, they believe it may be linked to your cryptocurrency company. I urgently seek your assistance in investigating and recovering my funds from the scammer who exploited this wallet address.
Consumer complaint received 2020-10-01
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: Experian Information Solutions Inc. (SC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

US DEPT ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX   XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

Automated " KYC '' Account Closure - no final warning given during pandemic while working out of State as an essential  worker for Critical Infrastructure  experiencing logistical  issues due to quarantine, shutdowns, regulatory closures, supply chain issues, increased hold times, protests and other substantial factors. 

Two accounts affected within USAA were a checking account, and a USAA branded XXXX Credit Card with a XXXX limit. Payment history is impeccable. Balance owed is XXXX and credit to debt ratio will be severely impacted by this adverse action taken by the automated closure process. 

I am anticipating an increase from 53   % CDU  to 82  % CDU  being reported - and a potential damage to my financial reputation and credit worthiness / risk category that can and has been leveraged by this very institution to justify rate increases on all banking products as well as insurance via the complex sharing of consumer financials via XXXX XXXX, 3 Bureaus and XXXX/XXXX  XXXX  XXXX. 

With several attempts made to reinstate and reconcile the account, the over-reliance of automated banking measures haven't made any allowances for these scenarios during COVID-19, and " the bank '' states numerously via various posturing mechanisms after reinforcing it's own protective narrative that they have made several attempts. They have 7 mechanisms for communication including text banking, in app notifications, phone calls, emails direct, emails indirect via secure messaging, in app chat notifications, and written correspondence. They alleged that they sent an email, and with an inbox flooded with marketing blasts, junk, and other bulk data, 42,500 emails were to be sorted while looking for equipment to return home from out of state during the pandemic ( Shortage of XXXX trailers and equipment, etc ). The bank has convieniently scripted a rebuttal for any potential grievance a customer may have for the ambiguous interpretation of the Patriot Act - now rebranded as the " Know your customer '' ( KYC Closures ) ''. While the banks are anticipating a repeat of 2008, they are positioning themselves to waive late fees and leverage people into higher interest categories by either reducing limits, driving up CDU  % - or closing accounts entirely that do not meet certain desirable criteria. Investors have made a stand against the members of the institution, and a mechanism for account restoration needs to be implemented along with a final warning that will set off all available means of communication with the customer - with an account expiration date, and extenuating circumstance allowances made for people being impacted by the pandemic. 

I hope that USAA will start to see the impact that their over-reliance on automation is having on the customers as they close long term members.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Employer : XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XXXX XX/XX/XXXX Collecons XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AZ XXXX XXXX XXXX
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On or about XX/XX/XXXX, XXXX XXXX showed a drop in my TransUnion credit score by 78 points, without explanation and indicating that there had been no changes on my credit report. 

I contacted XXXX and was told that I would need to speak with TransUnion, so I called TransUnion. 

The representative from TransUnion would not give me an explanation for the drop in my score, would not confirm whether the information presented on XXXX is correct, and suggested that they would give me my score for a fee of {$9.00}, or I could go to a bank and speak with a financial advisor who, for a fee, could pull my credit score ( resulting in a hard inquiry and the loss of another 7 points of my score ). 

There MUST be a way that a credit reporting agency, who develops the scoring procedure, does the scoring, and reports the scoring, can explain why their own score for me has dropped so drastically. 

Their ability to arbitrarily drop scores without an explanation is extremely harmful to consumers, and has stopped me from being able to purchase a new car.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions
Consumer complaint received 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (AL)

XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX  policies paid from escrow and remianing escrow money returned to me ( remember this! it will come in later ) XX/XX/XXXX2020 PRMI letter stating escrow has been removed from my loan XX/XX/XXXX2020 PRMI letter stating loan no longer escrowing for homeowners insurance. ( remember this! it will come in later ) XX/XX/20-I sent and XXXX sent proof of flood insurance of paid in full. 
XX/XX/20-I sent in letter to waive escrow and your form to remove flood from escrow ( after Id gotten notice you were going to escrow it ) .I should not have had to do this since escrow account had been removed from loan and flood insurance had been paid in full by me. 
I contacted PRMI customer service several times asking why abd they said IT HAD TO BE ESCROWED. When asked why, I was told that federal requirements mandate it. My loan in conventional. It follows XXXX XXXX rules. NOWHERE in XXXX XXXX rules does it say it has to be escrowed. It says it has to be COLLECTED if in flood zone. I can quote you the rule if you like. 
Now we come to PRMI Flood Insurance Coverage Subject to Change Disclosure form. Second paragraph, last sentence says : '' IF flood insurance is required AND you escrow your taxes and insurance. the lender must include flood insurance in the escrow account. ". 
Since I havent had an escrow account since XX/XX/XXXX or XXXX whichever date you pick, then I am not required to escrow. If an escrow account was recreated for my flood and added to my loan it was an error and you need to fix it and delete it. 
I have been trying to resolve this since XX/XX/XXXX20 within PRMI and they have refused to remove the escrow account. There is no reason why. This could have been simple, easy, painless, good customer service, good experience, but no. And I have never been late with a payment.
Consumer complaint received 2020-08-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (MD)

I got a phone call from a company claiming to be collecting a debt from XXXX XXXX. I asked them to mail me verification of the debt including any contracts or paperwork signed by me. They did not send me verification of debt only a letter from them stating that they verified the debt. That does help me as I have no memory of this debt or doing business with XXXX XXXX.
Consumer complaint received 2022-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received the official XX/XX/XXXX denial letter of claim XXXX and the evidence provided by BofA is false. I have never transacted business with a XXXX XXXX nor did I authorize the transaction on XXXX Furthermore ; the IP address provided is not my IP Address. I have done my own research and the device info used to make these purchases DOES NOT belong to me ; it is not my devices serial number or IMEI number. I do not have an XXXX account and all other purchases from this account, on both my BofA credit card and XXXX by XXXX XXXX credit card, were determined fraudulent. I have documented proof of an email I sent in XXXX to built by bees making them aware of this fraudulent purchases. They responded on XXXX stating they would correct this fraudulent purchase and refund me. " Under a 1978 Federal rule called Regulation E, banks are required to make clients whole if their money is stolen from a consumer account through an electronic payment initiated by another person. Since Reg E was written well before payment apps existed, the Consumer Financial Protection Bureau last year issued guidelines saying that the law covered all person-to-person online payments. The bureau clarified that all unauthorized online money transfers- meaning any payment initiated by someone other than the customer and done without the customer 's permission- were the bank 's liability. Please see attached for documents solidifying Bank XXXX XXXX falsehood and inconsistencies. I have attached my ACTUAL IP ADDRESS. Claims from credit cards, with BofA and XXXX by XXXX XXXX, stolen at the same time as my BofA debit card were all approved. However, they refuse to approve the debit card claims because they are stating that I approved the transactions, which is untrue and they are using false information as evidence.
Consumer complaint received 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (NY)

Hello, I received a Loan Estimate on XX/XX/21 and was told by the agent that rates have come down to 2.75. 

I requested an update and the loan officer refuses to send me one until I am out of attorney review. 

The company is Cross Country Mortgage.
Consumer complaint received 2021-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

HI ( CREDIT COLLECTION SERVICES Address XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone ( XXXX ) XXXX ) Im confused and XXXX  and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-07-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NC)

I was offered a principal loan of {$260000.00}, at an interest rate of 2.625 % with an APR of 2.658 %. That APR compared to that rate on that principal amount is {$1100.00} in fees ( excluding prepaids and escrows ). The loan disclosures I subsequently received all showed {$2600.00} or more in fees for the loan. XXXX XXXX ( Sr Loan Originator NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX TX XXXX ) even said at one point the APR would be 2.625 % which means {$0.00} in fees to close on the loan. All this was said to me and I accepted and spent my time as valuable consideration to review the documents and work through the loan application. The entire time XXXX XXXX made deceptive claims and plied his trade unfairly in am effort to cost me more money and miss out on other offers that were possibly better. On a 30 year loan this could be over {$12000.00} in additonal costs to me.
Consumer complaint received 2021-05-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MD)

Coinbase response given on XX/XX/XXXX to a prior complaint : " Dear XXXX XXXX, Review of your account shows that you have regained access to your account, as confirmed in support ticket # XXXX. While we consider your complaint resolved, we have determined that your customer experience was not up to our standards. Coinbase has credited your account XXXX XXXX in compensation for your unsatisfactory customer experience. Please reach out to our support team if you have any further questions. Thank you for your patience and cooperation with this matter. '' Sincerely, Coinbase Regulatory Response Team Coinbase did credit my " XXXX '' account {$25.00}, but that is not the problem account. My Coinbase traditional account, which is the first account that I opened with Coinbase is the Problem account. Given I have not been able to login to my traditional account since XX/XX/XXXX and the amount of effort I've made to get this resolved with Coinbase, the {$25.00} credit is like a smack in the face. I've made it clear time and time again to Coinbase that the only reason I opened a XXXX account was to hopefully use that account as some type of assist to get me back into my traditional account. So far, that effort has been a waste of time. 

Again, I DO NOT have a problem logging into my XXXX account. It is my Coinbase traditional account, which was opened on XX/XX/XXXX with my first purchase in this account being XXXX XXXX at a price of XXXX ( XLM ). 

My other holdings in this account include : XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX and XXXX. 

Coinbase has instructed me to only respond to the email thread below with any future questions, but I have asked dozens of questions over the past couple months using this email thread and I do not receive a response. Some of the questions are the same questions asked again and again. Due to this fact, I have attempted to file a new case numerous times, sometimes via my XXXX account as well, and each time I do, I receive this same automated response below. 

Hello XXXX, We received your inquiry, and because you've previously written in about this same issue, we're consolidating your cases into this email thread. We've passed all new information on to an account specialist who is reviewing your case they'll reach out to you here ( review generally takes 4-5 business days ). 

All future questions about this issue should be directed to this email thread so that our account specialist can better support you. 

Thanks, Coinbase Support ref : XXXX : ref