davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (UT)

On XX/XX/XXXX, someone pretending to be me went into a XXXX store in Pennsylvania. They had an ID card with my name on it which XXXX used to identify their customer. XXXX then swapped my phone number to an XXXX  the thief in the store presented them.

Once this person had my phone number, and was receiving my text messages, they reset the password on my e-mail account, then used the access to my e-mail account, and one-time-text pin from CoinBase to access my virtual wallets.

Fortunately for me, my e-mail client was still receiving messages from Coinbase. I was able to click the " If you didn't request a password reset, click here '' button. Following that I was able to reach coinbase support person " XXXX '' on XXXX and she was able to lock my coinbase account.

Coinbase was able to restrcit my account before the thief was able to transfer funds. They requested that I open a new account with a secure e-mail address. I did this, uploaded proof of identification, etc ... and CoinBase responded that they would move my funds to this new account. This was again confirmed via chat with XXXX  on XX/XX/XXXX.

on XX/XX/XXXX I followed up with coinbase again. They advised me that my account was with their escalations team and it could take 45 days to be reviewed.

on XX/XX/XXXX I received a canned e-mail message from Coinbase asking me to go throught he same steps I had on XX/XX/XXXX when my account was initially compromised.

on XX/XX/XXXX I called again and was advised that there is nothing else I can do to escalate this. The phone operator " XXXX '' was unable to give me any further escalation points, contact information, or timeline on when I could expect information about the case.

on XX/XX/XXXX I followed up again with Coinbase via their online ticket submission portal.

It's now been 13 weeks since the account was attacked. Coinbase refuses to give me contact information for a person assigned to the case, they refuse to give me a timeline for resolution, they refuse to give me any expectations for when or how I will be contacted for resolving the issue. I have no other recourse to turn to resolve this via the company directly.
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXX
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MA)

I realized that the Sears home warranty service was a scam, and not worth the {$41.00} a month I had paid for years. As everytime I had a service call 'nothing was covered '. I cancelled the service in XX/XX/XXXX. I was billed for XXXX, XXXX, when I cancelled again. I was billed in XX/XX/XXXX - and I again called to cancel. I asked for written verification in email or reg mail and was told not possible So in an effort to stop this fraudulent billing in XXXX I cancelled card ( Sears Mastercard ) as well as home warranty service. I was given cancellation number # XXXX. They have continued to bill me {$41.00} a month and I finally stopped paying in XX/XX/XXXX. I am now worried about them ruining my hard won excellent credit. 
Please help Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2020-07-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc. (CA)

At the end of XXXX, I opened a SoFi bank account with a {$75.00} welcome member bonus. I had to " download the all-in-one app, set up direct deposit, and BOOM, get another {$75.00}. '' I downloaded the app and set up direct deposit. My company direct deposited {$500.00} on XX/XX/XXXX. Two months later, I still had not received the welcome member bonus. On XX/XX/XXXX, I contacted SoFi to request the bonus. In one day, BOOM, XXXX responded that I had not qualified because their offer " requires two direct deposits. '' However, the offer attached for the welcoming member bonus specifically states to " set up direct deposit. '' There is no language as to depositing one, two, or three deposits. I downloaded the all-in-one app and set up direct deposit. SoFi states that they sent out a mysterious e-mail requiring two direct deposits. I never received any such e-mail and fulfilled the welcome member bonus conditions that were given in the original contract/webpage.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have processed a balance transfer with Bank of America XXXX on XX/XX/year> for {$2500.00}. I have provided the correct information to transfer {$2500.00} to XXXX XXXX XXXX. I have received an email confirming where the balance transfer is being processed to which had the correct information. Bank of America XXXX XXXX XXXX, a completely different company, with the transfer on XX/XX/year>. I have called and a case was opened to fix the issue or look into it. I was told to wait XXXX days, when I called back for a follow up I was told to wait XXXX days, then XXXX days. Now still nothing is being done and now I owe {$2500.00} to XXXX XXXX XXXX and {$2500.00} + fees to Bank of America for the balance transfer that was done to XXXX XXXX, a company I dont even have an account with. XX/XX/XXXX I am being told that a new case will be opened. I have provided the email confirmation from Bank of America confirming a balance transfer to be paid to XXXX XXXX XXXX. I have done a balance transfer to XXXX XXXX XXXX using the exact same information with other credit card companies with no issues. I use the exact same information that was provided for the balance transfer to pay my bill with Bank of America bill pay with no issues. There is no reason why Bank of America XXXX XXXX XXXX, and it seems nothing is being done.
Consumer complaint received 2024-06-13
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: TD BANK US HOLDING COMPANY (CA)

The presence of a derogatory rating on my account is a significant source of concern for me. I am deeply worried about its potential negative impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the XXXX XXXX strain and XXXX distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2020-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

Dates of pertinent information : XX/XX/XXXX - Purchased an airline ticket on Chase Credit Card ending XXXX {$2200.00} for my wife and me to fly from XXXX, FL to XXXX, XXXX. 

XX/XX/XXXX - Paid off credit card from our Chase checking account ending in XXXX, cancelled credit card account. 

XX/XX/XXXX - XXXXXXXX XXXX cancelled trip ( covid ). 

XX/XX/XXXX - Contacted XXXX XXXX at XXXX XXXX  and was told that the refund would be issued within ten days to the same card that I used to purchase the tickets. 

XX/XX/XXXX - Contacted chase at XXXX XXXX - Was told by Customer service operator " XXXX '' that the card was still in the system and that a refund from a merchant would be accepted and that I would be contacted to determine what account I would like to have the money transferred to. With Chase, I have two other checking accounts, a savings account and an IRA. 

XX/XX/XXXX - XXXX notified me via email that I had a full refund and that it would be deposited to my Chase Credit Card. 

I spoke with XXXX  and they gave me the " transfer number '' alphanumeric code used to track the transaction of XXXX XX/XX/XXXX - XXXX XXXX - After not hearing anything I contacted Chase, spoke with Account Supervisor " XXXX ''. They can no longer see my card, and would have to send an ( internal ) email to " merchant credit purged accounts '' and that I would hear from them via email or telephone withing five business days. 

I had spoken with XXXX and they gave me the " transfer number '' alphanumeric code used to track the transaction gave this number. 

XX/XX/XXXX XXXX XXXX - Called Chase, spoke with " XXXX '' customer service rep. Transferred to " XXXX '' Customer Service Manager. Could not find any information at all about any of the phone calls, however, would send an ( internal ) email to the " back office '' to find the account. " back office '' would contact me " soon ''. ( This person seemed uninterested in helping at all. ) XX/XX/XXXX XXXX XXXX - Spoke with " XXXX '' who was the first guy I spoke with. I had verified with XXXX that there was no return or other issue with the original transfer of the refund. 

XX/XX/XXXX - XXXX XXXX in the mail - received letter from Chase. They state that they can not find my account, and that the money was returned to XXXX, on XX/XX/XXXX, XXXXThis letter is citing " reference number '' XXXX. 

XXXX can not seem find this money, Chase can not seem find this money. Please note that during this entire transaction, I have maintained contact with Chase, however they appear to be keeping no functional notes on each phone call. 

I am looking for specific suggestions please. 

It is significant for my wife and I, {$2200.00}, and this was for a trip to see our XXXX  son in XXXX, we would like this money back.
Consumer complaint received 2023-01-12
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. (MA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XX/XX/. Its been over 45 days and TransUnion havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being " reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as requiredunder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX Late Date XX/XX/21
Consumer complaint received 2020-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

received letter from ERC stated I owe XXXX to XXXX XXXX XXXX XXXX which I never had an account with and that has been placed with ERC for collection.They offered discount for {$660.00} and I can pay it with cash at XXXX pharmacy or XXXX store or mailed.They gave me account number and reference number.Had never account with XXXX XXXX XXXX, tried to call number provided but can not reach anybody.Letter tell me that I can dispute the validity of this debt with I never had any relation with that company if I dont dispute it will be consider valid and reported to credit bureu.
Consumer complaint received 2021-05-02
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. (IL)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2018-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (TX)

XX/XX/2018 - for over a month I have tried to access my BBVA Compass checking account. Everytime I call they say I need my account number to access my account. They won't let me use my ATM card or any other information, SS, DOB, address, etc.

They won't send a paper statement. They won't help access the account by sending a link to reset, they flat do not help if you do not have the account number and they won't send out a paper statement so I can get the account number.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (LA)

I have had to file a complaint your your agency, several times on EQUIFAX. Each time the matter was corrected. But, now Equifax has a pattern of violating my rights provided to due and I can only believe it is due to the fact, that I have filed several complaints against them. 

The latest complaint is, that XXXX XXXX, has report a credit account to all 3 bureaus on my behave and XXXX  and XXXX  has updated and reported the account to my credit file. But, once again EQUIFAX, has choose not to honor the credit providers information provided and not report the account to my credit file. Equifax mandate, is to report the information provided by the actual creditor and has made the decision not to update the information provided, from the creditor. That is paying a service fee, to equifax, to keep current and update all credit files that the creditor provides data on. This is very unprofessional and has cause me a hardship once again. Due to the lack of not following the mandates provided by the creditor and the fed government. There should be no need for a long drawn out process, the information was provided to them and just needs to be updated as requested by XXXX. 

If things continual in this manner, I will have no choice but to file a civil case against them for all the various violations to my rights. 

I have attached a copy of my credit file, showing it has been report to the other bureaus and updated in a timely manner
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Dynamic Recovery Solutions, LLC (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2018-04-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX XXXX XXXX. makes daily calls to me cell claming that I owe a debt. The caller will not give me any information about said debt over the phone without my giving my social over the phone. I have requested that they provide me with the debt information in writing and have not received it. I have been informed that XXXX XXXX XXXX. is now filling a writ of garnishment against me.
Consumer complaint received 2020-11-26
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: Experian Information Solutions Inc. (IN)

Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly
Consumer complaint received 2021-05-09
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)

I have filed my complaint in XX/XX/2020 I NEVER received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! The account listed below is 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 creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 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 Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably 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 I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX