davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc. (NV)

On the XXXX of XX/XX/2021, I had made a reservation at the XXXX XXXX XXXX XXXX I'm presenting Center in XXXX XXXX. Around the message happening to sleep I hope you had a minute a third day care for {$810.00} on the day I need the reservation everything was okay well I'm probably going to do my transaction I noticed that there were holes on transvestites that were unfamiliar but the market so I contact them manager the hotel we go over the transaction and that the measure of the hotel XXXX XXXX and had something with 99 and 99 infected her to send him an email on company letterhead with the amount of the transactions and the date of the transaction so and she put that she would like to request okay. You want to make sure you do that she was instructed by money mine. And it takes the offer edition hold off of the {$810.00} can you transaction from XXXX XXXX XXXX XXXX by XXXX. So when I noticed that my account was overdrawn by XXXX XXXX I contacted money line to see what the issue was. Upon talking to her presentative they tried to say that because friends were spent in a day we're not liable and that it's my fault and I need you. So I went ahead and look at my friends ask me I said I see what it where the air is. I expected that what happens where the XXXX can you transaction for the 5-day stay at the XXXX XXXX XXXX XXXX by XXXX was released prematurely for me and so that they released the wrong hold on the wrong friends actually and so on the representative who I spoke to primarily regarding situation tried to say that it was a legitimate charge and things like that. And I agree with him it wasn't legitimate charge. I went ahead and done with another representative who actually listen and was able to see what direction I was coming from so what that means that it has been 6 days my account is still negative {$640.00} and I have income coming in at all times so I don't want my phone so I'm hoping that someone at XXXX you can go ahead and investigate this promptly and then we can come to a quick resolution.
Consumer complaint received 2024-02-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CT)

On XXXXXXXX XXXX XXXX I sent Midland Credit a debt validation letter pursuant the FCRA for them to validate and provide proof of this alleged debt. I noticed it on my three credit reports and disputed them, XXXX and XXXX took them off immediately However, XXXX did not, as Midland credit sent it back to them as Verified. Since then, I have sent multiple letters to midland credit with no response back and it has been 2 years now with no resolution, The only thing I have received from Midland has been a notice of pre legal status threating that I may be sued. Another blatant violation of the FCRA and FDCPA ; since debt collection must cease until the debit is validated. They have failed to meet their burden to a debt that I do not owe. See attached letters and certified receipts. I asked for certain info that simply they can not provide.
Consumer complaint received 2021-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I'm a XXXX. Through PayPal I received my salary. This XX/XX/2021 I received an email from PayPal says that my account was permanently limited. My money was hold there amounting XXXX pesos. I have to wait 180 days for me to withdraw my money.
Consumer complaint received 2021-08-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MA)

Hi, I've been a fan of Coinbase but my interaction with them these past months has been horrendous. I can't access my funds at all, and every single time I file a support ticket they tell me that the issue has been escalated and to wait 4-5 business days only to never hear back and to get no response to my emails.

Here 's an example email I recieved over a month ago about my ( 4-5 business day review ) : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Hello <censored_name>, 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 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To make it worst, when I opened a debit card, the website didn't work or show my card. When I called them, they said they would try to escalate but could not help me.
Consumer complaint received 2021-08-01
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. (GA)

Hello Sir / Ma'am, Please be advised that this is my SECOND attempt, seeking your assistance in this matter. I sent you certified mail back on XX/XX/XXXX regarding no correspondence from the credit bureaus dealing with a complaint about accounts that haven't been verified. I simply requested that the bureaus show proof that the debt belonged to me. All 3 bureaus had already exceeded the 30 day allotted period when I reached out to your company on XX/XX/XXXX. On XX/XX/XXXX, I received a response from Equifax and XXXX  stating that the debt had been verified. The response letters from 2 of the bureaus, which I will upload were dated : Equifax XX/XX/2021 XXXX  : XX/XX/2021 XXXX  : No response as of the date of this writing As previously stated the date of XX/XX/XXXX was in excess of the 30 day mandate by at least a week.
Consumer complaint received 2021-08-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had fraud on my edd account in the amount of {$23000.00} I first applied for our and nothing happened and it was too much a hassle so I went out and gained legit employment at XXXX XXXX Covid pandemic caused hours to be cut at XXXX and I was let go. At that time I immediately applied to get my unemployment benefits. That is when I found out that bank of America sent a debit card in my name to XXXXXXXX XXXX XXXXXXXX XXXX # XXXX XXXX CA XXXX. I have never known this address nor is it associated with me. So while I was certifying every 2 weeks the people who live at this address were busy spending my edd benefits. B of A has had my money froze since XX/XX/XXXX when the closed the account. I found out about all this in XX/XX/XXXX. Thats is my money and now bank of America c a is telling me that I am responsible for this money. They gave provisional credit to me and debited it back out within one hour. This is crazy and is now causing unbelievable hardships. I've had a XXXX XXXX and be hospitalized 3 times as a direct result from the stress of all of this. I need to get my rightfully due benefits immediately. I no longer have my benefits sent to a incompetent and of America I get paper checks directly. Give my money back bank of America. Now
Consumer complaint received 2021-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed multiple problems with the following collection account : XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) : I dont recall having a collection account. 

XXXX XXXX ( Original XXXX XXXX  ) : I dont recall having a collection account. 

XXXX XXXX ( Original XXXX XXXX XXXX ) : I dont recall having a collection account.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-08-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (FL)

I'm having some third party company reporting inaccurate information to all 3 credit bureaus about a past auto loan. I'm asking for written proof showing my signature that I owed this debt and Not some e-Oscar online check. This is a violation of the Fair Credit Reporting Act. This negative reporting needs to be removed from all 3 major credit reporting agencies.
Consumer complaint received 2021-07-31
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I went to XXXX XXXX XXXX  XXXX was looking to purchase my first home. I found some but needed an Realtor so I went to XXXX XXXX which I needed find an Bank or Mortgage Company I went to XXXX XXXX XXXX XXXX Denied and went to Wells Fargo and was approved I need to an down payment of {$50000.00} and closing {$10000.00} deposit they inspected the home and appraised it but was told pay off all back bills in order to be approved for the Home Mortgage since the home was being built I had wait for completion the money that I borrow was from my Retirement Thrift Saving Plan which I was enrolled in since I began my Job XX/XX/XXXX and this was my money my retirement I loss my new home after being diagnosed with XXXX XXXX and notify Wells Fargo of sickness and was told at the closing that I had year to give it up for any reason it been year that what happen. But my problem my closing and down payment was not return nor they assist during that time. I did not have any Mortgage Loan with Wells Fargo my money but they still reported negatively on my Credit Report and my none payment was sold to XXXX XXXX  who they had right to purchase my Mortgage and back payment and they also reporting on my Credit Report and preventing from rent or purchase these banks had no regards to my sickness while I was fighting for my life and harassed by County of XXXX with Door Knocks and posting in Newspaper and on the door and I wanted to give them the house back but needed somewhere to go or stay during this time. So how do they report or destroy my credit and only thing the Bank did was promise to collect the mortgage and FDIC Insurance the money and insurance how they allowed to this and I'm staying in Shelter and having problem finding house I did not default of loan this was my money please explain
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

My Wells Fargo account was closed due to overdraft fees that I was charged and never refunded for also the monthly service fee I was opted out for. Also disputes I never got remembered for! Money still taking out of my account for canceled services
Consumer complaint received 2021-07-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I've been a long-term customer of Bank of America.

My bills have always been paid AUTOMATICALLY each month with recurring payments.

Due to a problem with Bank of America 's website, the automatic payments wasn't deducted in XXXX XXXX. 
I received a letter from Bank of America in XXXX XXXX about the past due balance and I immediately resolved it. I spoke to Bank of Americas TWICE - both times they apologized and said they would submit a correction to the credit bureaus. 
In early XXXX XXXX, I noticed that the credit bureaus were still showing " LATE 30 DAYS ''. I called Bank of America and the rep suggested I write a letter which I did ( see attached ).

Bank of America has refused to FIX THEIR ERROR. It's very upsetting as I have a perfect credit report other than this ERROR.

Thanks for your help. 
XXXX XXXX
Consumer complaint received 2021-08-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CO)

Comenity Bank. I've never even heard of this bank. I went to a presentation for XXXX XXXXXXXX XXXX timeshare program and declined to purchase. I did not sign up or purchase a membership ; however the company used my information and opened a Credit Line at Comenity Bank, for {$5800.00} in my name. I asked them multiple times what they were doing with my information and was told they would only do an XXXX  credit check. This credit check was then used to obtain an unauthorized line of credit in my name without my consent, knowledge, or permission. This is a huge line of credit that I tried to get closed, but the representative at Comenity bank was not helpful and now this is really hurting my credit score while I'm trying to refinance my mortgage.
Consumer complaint received 2023-12-28
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: Experian Information Solutions Inc. (AL)

Contacted XXXX about inquiries. They had no numbers on companies, some marked with number XXXX. The number for XXXX was a fac number so we don't know what company it was for. Inquiries listed as unspecified which is not exactly permissable purpose on 1681, 1681s. 
I was however offered the " correct '' number and hey stated it yet report had a different number. I requested information on their decision and how they reached it and the gentleman kept going in circles. The supervisor got on and kept talking over me and stated that I can't file dispute with them and I had to go through companies because they didn't have a he information needed to explain. I told her that I already disputed on the site and she refused to tell and kept talking over me.bsaid the same thing Experian said I had to contact company But Experian said if they report it then we have the put what they report to us. I called back and the girl said I gave the same supervisor and she will tell you that he same that she just told you. Wow, so they just talk about folks business and cine to a joint decision they make instead of kaes and statues they are to follow.
Consumer complaint received 2021-07-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Consumer complaint received 2023-06-23
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. (NY)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 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.
Consumer complaint received 2021-08-02
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. (IN)

I've sent in a letters disputing inaccurate information on my credit report on XXXX and still to this day have not received any response to my issue. All 3 major credit reporting agencies have violated my right to privacy under the FCRA 15 usc 1681 ( a ) ( 4 ) This has caused me denial of my consumer credit which is causing me to stress and have anxiety.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (UT)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2021-07-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Hello, the problem I have is that the Coinbase ( Coinbase Inc. - XXXX XXXX XXXX. ) company has blocked my account for no apparent reason, I have been trying to unblock my account for almost 6 months, and constantly the application asks me to send my ID, I sent it but the account after verifying the document and accept it, automatically, it is locked again. I have written more than 50 emails and tickets and there is no way they will respond to me. It is an account with a lot of money, about XXXX USD, I deposited a smaller amount but the rise of cryptocurrencies made me have more capital, which I want to withdraw but it is IMPOSSIBLE, they do not let me do anything with the account, or withdraw my cryptocurrencies, or exchange them, nothing. My account is XXXX and I have been a user since 2019 or even earlier.
Consumer complaint received 2021-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (FL)

Morning, I have requested several times the payment of one of my mortgages, I have been trying to get this information for a month, they called me because I sent many emails claiming, but they told me they would send it to me and I have more than a week and nothing they send it, I no longer know who to talk to and who to contact, it is always a problem with this bank to make any claim, they work very badly, I am their client ... it does not seem that they. They are my client because I always have to point out the work that they do wrong and they still don't fit it ... I feel frustrated with them
Consumer complaint received 2021-02-05
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Was sent a debt noticed via mail and I requested the debt to be validated. 41 days after sending that letter and receiving no response, I sent an additional letter and have still yet to hear a response. 

It has been nearly two months since that time and I have yet to receive a response from the company. The company, who is representing Capital One Auto, is still reporting inaccurate and unfair information to the credit bureaus after failing to validate debt. 

At the time of this complaint, this debt has not been sold and is the sole owner of Capital One who is being represented by XXXX XXXX.
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NJ)

i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. XXXX XXXX, $ XXXX, 2. XXXX XXXX XXXX XXXX, $ XXXX, 3. XXXX XXXX $ XXXX. 

I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money. 
I am a medical provider too, in case i want to put patients for the collection I am always mail them certified green mail card which must be signed by the patients. Then i am allowed to put patients for collection because i have received proof that the patient received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection.

Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on XXXX  , Equifax , and XXXX  collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things.

For Example on XXXX  Credit Borough I have clicked DISPUTE button and its brought me to : XXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc.

1. The reason is it has to be removed from XXXX, Equifax and XXXX  that is NO link from original creditors/or collection agency to PAY OFF a collection Balance.

2. XXXX, Equifax and XXXX  must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )