davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

I wrote coinbase through their help section and got nowhere. it seems my account was hacked and my email and or my password was changed.coinbase tried to charge my bank {$33000.00}. This is what I wrote : I notified you of the problem a week ago and have heard nothing. My account was hacked, coinbase tried to charge my bank {$33000.00}. I found it and reported it. It was stopped, however I can not access my account. who ever hacked my account evidently tried to buy crypto through my account. I am going to have to file a fraud complaint with the US Consumer Financial Protection Bureau ( CFPB ), the federal bureau and SEC. From my bank records this was submitted on XX/XX/XXXX. My name is XXXX and my email is : XXXX and my phone is:XXXX. You should have all this. I think my account was changed somehow and when I try to sign in it doesn't even get to 2 step verification and instead says, invalid email or password. I have my recovery phrase, my bank account statements etc. I need to have this problem fixed, and if it is done by way of email I need it in plain understandable english. Preferably talk to someone. When it is fixed I will take the app off my phone as I don't really need it and I think this also might be a problem as I had a problem also with it. A device change that I never did that was also fixed. I have a friend that is a federal agent that works in bank fraud and he said he will help and so far I am doing the right thing and to give you a couple of days. Today is XX/XX/XXXX and I will wait till XX/XX/XXXX. If you need I have copies of everything including this. Also I tried with another coinbase help site and the 6 digit verification code never gets sent to me. Thank You I have the statements from my bank that have all transactions, I have been with coinbase since XXXX so there are plenty of bank records. These are from XX/XX/XXXX, They are all on XX/XX/XXXX : ACH HOLD Coinbase.com ( XXXX, XXXX, XXXX, THESE THREE WERE FOR {$10000.00} EACH ) next, ACH HOLD Coinbase.com ( XXXX, XXXX, XXXX THESE THREE WERE FOR {$1000.00} EACH ) THE LAST ONE ( ACH HOLD Coinbase.com XXXX  ). WHAT I AM ASKING IS FOR THEM TO REPLACE THE ACCOUNT TO WHERE IT WAS, The last time I could see it was somewhere around {$14000.00} if I remember correctly. I have all the bank records if I need them, all my ID and my recovery phrase and the addresses when I opened this account. I can't get them on the phone ( XXXX ) and the help section does not work. They should be able to know the account that tried to buy through my account or cleaned out my account or my account is still in good standing and I have no way to access it. If I can I would probably lose it and open a new one but with a better security and not use an app. to put it on my phone. I was also told to file with SEC AND FBI. I will wait for you. Thank You XXXX
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA (MA)

My 11 year old computer died and I went online to apple.com to buy a replacement one. Their site advertises that you can get an Apple credit card with 0 % APR for the first 12 months and pay off the computer. When I tried to redeem that offer, their Goldman Sachs website came back and extended a {$2500.00} credit limit, which does not cover the cost of a computer on their site. I called in to get the limit increased to {$3200.00} because I make {$320000.00} a year and have a XXXX credit rating. When I called in, their representative told me the only way to request a credit limit increase to cover the cost of the computer was to accept the credit card offer and open an account. So I did. He told me the next day I had to call back to request a credit increase. There was no other way to get an increase on the application. I have just done that, and despite making a high salary, having zero credit debt and having an excellent credit score, Goldman Sachs / Apple has denied the application and not giving me a reason. It is deceiving marketing, and their representative deceived me into opening an account, which has now hit my official credit record. I literally just needed an {$800.00} dollar increase, and have a perfect payment history on my credit for 20 years.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am having an issue with the way that XXXX XXXX XXXX is reporting my status on an active auto loan. I ran into a temporary financial issue at the end of XXXX that led to my loan being late for a few months. And as a result, my account did report late. I later recovered and caught the account back up by XX/XX/XXXX. The problems with the reported account status started, once the account was brought current again. As previously stated, my account was brought current again in XXXX. However, they did not update my account as current again until the month of XXXX. And since that time, I have continued to make on-time payments each month, but XXXX XXXX has only updated the payment history of this account through XXXX. I have now made eight on-time payments to XXXX XXXX since XXXX. However, XXXX XXXX continues to report that the account was still late in XXXX and XXXX, when it was not. And furthermore, the only way I can recover from the late payments with my credit score, is by re-establishing my good payment history. But XXXX XXXX just doesn't report them. I am now eight months removed from my last late payment, but on my credit report, XXXX XXXX is reporting that I am only two months removed from the last late. By erroneously reporting lates in XXXX and XXXX, combined with not reporting any additional payment history on the account since XXXX, it appears that my account was late just two months ago. Again, this account has been current for eight months now. XXXX XXXX was really quick to report my account when it was late. But for whatever reason, they now refuse to update my account properly.
Consumer complaint received 2021-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

FROM : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Reference : XXXX Account # : XXXX I paid my account in full on XX/XX/2019 and the account was closed. 
XXXX  XXXX reported me 30 day late for XX/XX/2019. 
Please review attached document as the document from XXXX  XXXX shows account was paid in full and account closed XX/XX/2019. 
Please follow-up with XXXX  XXXX and have them update the credit bureaus with the actual data for this 30 day late inaccurate reporting on my account.
Consumer complaint received 2021-08-04
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. (OH)

The accounts listed below are reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. 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 You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2021-08-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OK)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and 15 US Code 1692e ( 2 ) ( a ) and ( b ), the latter was truth and lending act. They are reporting a collection as an Open account that is not under FCRA Compliance. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA (MA)

I'm and writing this just after talking with Goldman Sacs about my apple card. ( Date XX/XX/2021 ). 

So I was down in XXXX for a business trip back in XXXX. I used my apple wallet to pay for a few things totaling no more than {$140.00}. Every time I use my apple wallet it pulls from my apple cash first and then if I don't have any apple cash it will pull from my checking account ending in XXXX. 

Well this time it randomly decided to pull from my apple card instead of my apple pay. 

After making the purchases I never thought about them again! Especially because I have every single bank account on autopay ( not that it would matter for this account because it should of pulled from my checking ). 

Almost 2 months later I sign into my XXXX  account to track my credit score I saw I had 1 account ever late. I freaked out because I take my payment history and credit very seriously ( I have never in my life missed or came close to missing a payment ).

I never got 1 notification that I had a payment due or that I was even late. 

It's crazy because you can clearly see I have barely used the card besides a handful of transactions when I first got the card.
Consumer complaint received 2021-08-05
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Amscot Corporation (FL)

I received a check with a postmark year XXXX from AMSCOT FINANCIAL LENDING SERVICE. I PAID A {$200.00} DEBT IN FULL ON XX/XX/XXXX, AMSCOT REFUSED TO ACCEPT THE ELECTRONIC PAYMENT STATING IT DOES NOT HAVE THE CAPABILITY, THE PAYMENT WAS MADE VIA XXXXXXXX XXXX XXXX & DEDUCTED FROM MY ACCOUNT. I RECEIVED A CHECK COPY OF THE PAYMENT ON MONDAY XXXX IN THE MAIL AMSCOT CALLS ON THE TELEPHONE & DEMANDS PAYMENT OF THIS ALREADY PAID DEBT. I HAVE ASKED THEM TO STOP CALLING, THEY REFUSE.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with PORTFOLIO RC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$630.00}
Consumer complaint received 2021-08-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and finally some misinformation like my name, address, and employer to my credit report. it is clear that I am a victim of identity thief or fraud. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-08-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

XX/XX/850 XXXX  call from XXXX XX/XX/XXXX XXXX call from XXXX XX/XX/1031 XXXX  call from XXXX XX/XX/838 XXXX  call from XXXX XX/XX/441 XXXX  call from XXXX XX/XX/134 XXXX  call from XXXX XX/XX/XXXX XXXX call from XXXX XX/XX/XXXX XXXX call from XXXX XX/XX/204 XXXX  call from XXXX There's a long list but this is enough to prove the point that they keep calling my home mornings, afternoons and late evenings. I want all forms of communication to cease immediately or I will be forced to take legal action. I did send an email to them today at the advice of a law form I consulted this morning and will send a letter certified mail. This is not the first time I reported this company to you all, but hope it will be the last.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (IL)

I reached out to World Finance in reference to accounts number ending in XXXX and XXXX on XXXX  credit file and acct number XXXX and XXXX on the XXXX  file which are the same accounts with World Finance under contract number XXXX. Per the agent is spoke with at World Finance stated the original office was closed and all the account were transferred to the existing office, who in turn reported the already settled account to my credit file. Under the provisions of the 1977 Fair Credit Reporting Act, I hereby request that your agency fix my account.
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

2 unrequested Bank of America credit cards ( for husband and wife ), sent in 1st class envelope, ( see attached photo ) were received on XXXX XXXXXXXX XXXX  These cards do not require activation. Sticker label : " These cards are ready to use ''. ( see attached photo. ) These activated, unrequested cards can be used by phone, chip or stripe reader. We do not use XXXX or equivalent ( inexpensive XXXXXXXX XXXX  phones ). We use card chip readers. Any felonious US mail handler or delivery person who owns a BOA card account and receives one of these cards can then recognize the BAO envelope and steal and apparently use ( by chip or stripe ) any number of contained cards without the knowledge of the legitimate account/card owner. We are also XXXX years old. SECURIY RISK.
Consumer complaint received 2021-08-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (FL)

On XX/XX/2021 I inquired about a pamphlet I received in the mail stating I could lower my mortgage payment or pay my mortgage off years earlier by switching to Loan Depot. A representative, XXXX XXXX, started my application ( SSN, DOB, Address, Income, etc. ) and preapproved me for some rates that were better than what I currently have. I informed him that I was interested and he ran my credit. He then asked me for an application fee of {$22.00} to which I declined. I let him know that although I was interested, I want to reach out to a few other companies and get quotes from them as well as this was my first quote. I inquired about a loan estimate which he declined to provide and stated that it would be provided once I paid the fee and agreed to his terms. This seems like a violation of federal law and contacted my current mortgage company to confirm. After requesting a loan estimate multiple times via text, XXXX informed me that " this is not how I do business. '' I never received a quote from Loan Depot and their customer service is beyond irritating.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MNS & Associates LLC (CA)

This is regarding a debt owed soley by my husband, not tied to myself. The person who contacted me begin asking questions about my husband, telling me that this was a debt situation for XXXX XXXX XXXX, was I aware of the situation. He also asked if we were in the process of getting a divorce and said we live in a XXXX XXXX XXXX dollar house and asked why we arent paying bills. 
This information was over the line and if the debt is not mine he should be speaking with my husband, which is what I told him. He continued interrupting me until I finally hung up on him. 

The reference number to this is XXXX
Consumer complaint received 2021-08-05
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: Experian Information Solutions Inc. (TX)

I had a Debt with XXXX  XXXX XXXX that I paid in XX/XX/2020 through the collections company they sold it to, XXXX XXXX XXXX  ( XXXX ). I was told by XXXX XXXX XXXX that it would be removed from my credit reports ( all 3 ) within 30 days. I called 30 days later to tell them that it had not been removed and they said it was because I had to call them to request it be removed and that it would be done in ... 30 days. By then the holidays were happening and I didn't check again until XXXX. Still on all 3 reports.

I called again and was told that it looked like no one had put in the request and it would be removed in ... thirty days. 
I called back early XXXX and was told that they don't remove collections, they just take payment and it would take 7 years to " fall off ''. I told them I had called several times before and no one had told me that. The woman said that she could see I had called but they don't remove collections they just report it paid and to be a {$0.00} balance and if I wanted it removed I would have to call the originating company, XXXX  XXXX XXXX. 
I called XXXX  XXXX XXXX and they told me that only XXXX could have it removed, or I could call each individual credit agency, which I did. They took a dispute but so far, 2 of 3 put the dispute in as being a dispute about the amount, which it is not. 
I have submitted a complaint with XXXX  and tried calling XXXX back several times but they keep telling me that they do not remove collections. 
I am trying to get financing to purchase a home. During that process over the past year I paid off my debts and had no problem getting other collections, some for much higher balances and at least ONE other that was settled through XXXX, removed. I do not understand why XXXX  XXXX XXXX and/or XXXX will not remove this last account but I would like it either done, or explained. 
Thank you for your time.
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (NY)

In XXXX of this year, there were unauthorized transactions on my prepaid debit card of amounts of approximately {$180.00}. I reported this fraud to the card company, the FTC and the CFPB. The card company eventually acknowledged the fraud on my account and credited my account with the amounts stolen from me. However, the card company cancelled my existing card and has yet to provide me a replacement card to access my cash, XXXX months later. I spoke repeatedly to their customer service and they refuse to provide me with a new prepaid card to access my cash. They have my mailing address and still create roadblocks from me having access to the money stolen from me.
Consumer complaint received 2021-08-05
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: CITIBANK, N.A. (NY)

Two credit cards were taken out under my name totaling XXXX dollars. One is from Home Depot/CBNA and the other with Best Buy/CBNA. These were opened in XXXX, FL. I do not know the person who opened them and never authorized this transaction. The thief also stole XXXX dollars from my XXXX XXXX XXXX checking account by using an intercepted debit card stolen from my mail. These transactions were also in XXXX, FL. Upon completing an investigation, XXXX XXXX XXXX has credited my account for these transactions.
Consumer complaint received 2021-08-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Let me start by saying that I have been a customer of BOA since I was XXXX years old which is now 30 years and have never had a problem until now. 
XXXX-Bank of America cashed a check in the amount of {$5600.00} for a person that fraudulently forged my signature. I had been waiting on a check from my mortgage company for escrow funds. I never received the check and when I called the XXXX mortgage company they told me that the check had been cashed. I wasn't even in the state when the check was cashed. I filed a Safety Issue claimed on XX/XX/2021 XXXX PST with XXXX  he said it would take at least 10 business days to hear back from BOA but it is now XX/XX/2021 and no response has been received. I have filed a police report, reported to XXXX ( issued the check ). I don't understand how a bank teller could have cashed a check for someone with no identification.
Consumer complaint received 2021-08-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.