davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

Hello, I sent {$2500.00} in Tether ( USDT ) from my XXXX XXXX  to Coinbase on XXXX. At the bottom of this page is their response as to what happened to my funds. 

I have included a screenshot and url that proves Tether to be on their list of supported coins. There is no caveat to support their email response. 

XXXX XXXX XXXX I am also including 2 screenshots and the snowtrace url proving the transaction was delivered to the Coinbase address provided to me by Coinbase. 

https : XXXX Hello XXXX, Thanks for contacting Coinbase Support. It appears that this transaction involved USDT ( Tether ) being sent to Coinbase. I can clarify what had happened here. 

Tether is a type of cryptocurrency which runs on top of the XXXX and XXXX XXXX. Coinbase only supports Tether as an XXXX token at this time. 

While transfers of Tether on the XXXX blockchain include a small amount of XXXX sent to an address, any Tether associated with this transaction is not accessible.
Consumer complaint received 2018-05-02
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have unauthorized inquiry on my credit report that I need removed. I have tried working this out with customer service with no resolution. I have attempted contact multiple times. I have notified company that I have been a victim of there inquiry issue. I wish to have these inquiry removed
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WA)

XX/XX/XXXX, I called XXXX XXXX XXXX, collection company. I was notified that the phone call was recorded. The agent told me that the file I was inquiring about, my name was not on that file ; e. He said this about XXXX times during my inquiries. I asked them to send me an email with the document showing the debt to XXXX. I refuted that it was my debt as, I or my wife, have been XXXX customers for over XXXX  years. We have never borrowed, bought or had any connection to XXXX. They bought the debt from XXXX. 
The agent told me he could not send me any documents or an email about XXXX times. 
He would not offer an explanation as to why he could not send me any documenation so I cpould dispute the debt with them. I have XXXX  months of XXXX XXXX XXXX to show that we have been only XXXX  customers. I have filed a dispute with XXXX and provided this T-Mobile payment history as proof that we have never had any accounts or debts to XXXX.
Consumer complaint received 2018-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc. (TX)

XX/XX/XXXX, after seeing two collection accounts on my credit report that I did not recognize, I called Synerprise ( the collector ) for an explanation. I was told that the original debt was for medical bills for XXXX XXXX for invoices dated XX/XX/XXXX. I had been shopping for a mortgage and was frequently checking my credit report. These items were not previously on my report. 

On XX/XX/XXXX, I called the original creditor, XXXX XXXX XXXX and spoke with billing representative XXXX. I explained to her that I had never received an invoice or a request for payment of service. XXXX explained that a statement had been sent via US mail. I gave XXXX my current address, as well as a previous address. She stated that the statement had not been sent to neither of those addresses. She would not tell me the address to which the statements were sent nor could she tell me where they had received the incorrect address. I explained to her that all of the information provided to the hospital and my insurance company reflected my current address. XXXX explained that they did not receive my address from the hospital, but could not explain from where they had received it. I requested to have the account pulled back from collections so that I could pay them directly. I was told this was not possible. I was also told that the account had been turned over to collections in XX/XX/XXXX. I requested to speak to a supervisor and was told that the supervisor would need to return my call. I left my phone number and we discontinued the call. I never received this call. 

It is completely unfair that these charges should count against my credit report when I was never given the opportunity to pay them. I have been at my current address since XX/XX/XXXXand all of my information was accurately reported to my insurance company and the hospital when I registered for XXXX. Both the original debtor and the collections agency understand that the invoice was sent to an incorrect address, but refuse to rescind the collections account.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (PR)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX FROM CITICARDS CBNA, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATED 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 ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I AM A VICTIM OF IDENTITY, THE FOLLOWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX  ACCT # XXXX THIS ACCOUNT WAS PREV IOUSLY INVETSIGATED AND REMOVED THEY SOLD IT TO ANOTHER COLLECTION AGENCY. 

CREDITORS OR COLLECTION AGENCIES IF THEY TRY TO RE AGE YOUR ACCOUNT BY UPDATIND THE DATE OF YOUR LAST ACTIVITY ON YOUR CREDIT REPORT WITH THE HOPES OF KEEPING NEGATINE INFORMATION ON YOUR ACOUNT LONGER.
Consumer complaint received 2020-07-27
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)

Upon receipt of my recent credit reports from Transunion, XXXX, and XXXX, Its apparent there still exist a Fraudulent account I discovered that was opened at XXXX XXXX ( acct # XXXX ) without my knowledge or authorization being reported negatively. This Account was opened as a result of identity theft/identity fraud. Ive subsequently filed a local identity theft police report and Federal trade Commission complaint regarding this matter. Ive properly notified Representatives at XXXX XXXX of this matter and have opened a Dispute requesting that they immediately close this Fraudulent account and to STOP the reporting of this INACCURATE, FRAUDULENT INFORMATION from my XXXX, Transunion, and XXXX Credit Reports.
Consumer complaint received 2022-06-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc. (MD)

I have told them to stop contacting me all communication shoud be thru mail a " cerified letter '' and thee con tinue to call me according to 15 USC 1692 ( d ) DA debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.15 U.S. Code 1692b Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ;
Consumer complaint received 2021-02-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc. (GA)

Account : LOCKHART, MORRIS & MONT # XXXX I was unware of this debt and did not have the opportunity to dispute. Please provide validation of debt and method verification with physical PROOF. 

Please provide certified mail receipt if you believe I was aware of this information.
Consumer complaint received 2022-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (FL)

Consumer Finance, On a recent review of my credit reports I see PROGRESSIVE MANAGEMENT S who is a collection agency says I owe 3 amounts : {$340.00}, {$870.00}, {$610.00}. 

I have contacted the collection agency to validate the debts are mine several times, as well as the 3 credit bearueas, and they have failed to provide accurate proof.

The letter will be attached to this complaint.

I want these 3 collection accounts removed as they are not mine.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (GA)

My account with Gateway 1 was never late! I have had exceptional payment History With Gateway 1 and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. 
This was clearly a billing error made by the company and it is not a reflection of my payment Experience which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/2018 to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose, unless the creditor has adopted reasonable procedures designed To ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Gateway 1 never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a good faith pursuant rule 1002 and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer!

Update the late payment from my consumer reports Gateway 1 - XXXX
Consumer complaint received 2018-05-02
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Debt Mediation, Inc. (TX)

The company is XXXX XXXX  XXXX XXXX and they are sueing for XXXX for an apartment that was not 100 % satisfactory apon move in than the complex refused to fix problems just weeks after moving in and gave a notice to vacate and refused to take rent so I moved out took pictures and kept all correspondence via email and letter. I returned the key they oved someone else in within week afer I left and now they are attempting to sue me for fees. No damages or any other issues just fees.I have recored conversations and pictures as well as proof the complex never sent me by ceritied mail a letter for any delays in repairs as they should have if they could not do the necessary repairs in a timely manner.
Consumer complaint received 2022-06-16
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. (MO)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXACCOUNT # XXXX, XXXX XXXX XXXX/ ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXACCOUNT # XXXX., XXXX XXXX/ACCOUNT # XXXX, XXXX XXXXACOUNT # XXXX, XXXX XXXX/ACCOUNT # UNKNOWN, has violated my rights. 

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
Consumer complaint received 2024-03-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: SYNCHRONY FINANCIAL (AL)

More than a week ago, I requested, by filing IRA distribution form, synchrony bank to transfer the total amount, on the maturity date ( XXXX ), for IRA account No. XXXX, to my synchrony high yield savings account XXXX. 
I informed, more than four times, I need money from the account to pay my bills, including Medical bills, synchrony bank to put the total money on the morning of XX/XX/year> to my above account XXXX. 
Even at XXXX XXXX, my money, which I need very badly, XXXX synchrony bank has NOT deposited the above money, for at least {$1300.00}, in my above account XXXXthis is nothing but an illegal ACT intentionally Committed by synchrony bank so that I will not be able to pay my bills, as stated above, ON TIME. 
You people at consumer protection bureau must know that this XXXX, XXXX, synchrony bank is far worst than XXXX XXXXXXXX XXXX. Still you people do not take any action against this corrupt and XXXX bank. 
Please HELP me. Thank you.
Consumer complaint received 2019-03-21
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. (WA)

none of the three credit reporting companies at XXXX actually reports credit score - NONE! 
Experian is asking for a {$1.00} with {$25.00} per month unless I cancel service. XXXX claims they can not deliver report online, and XXXX does not display credit score either and is asking for some kind of subscription as well? 

What is the point of the free annual report again?
Consumer complaint received 2018-05-02
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. (AL)

XXXX XXXX XXXX is reporting a debt that does not belong to me. I have tried to dispute this debt on several occasions since 2015. Most recent dispute resulted in me being informed that the debt was sold to another lender however, the debt still appears with credit ones name on my report. Although it has been requested in writing on several occasions no verification of has been sent to me.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (NJ)

I had a payment due XXXX XXXX minimum amount due if XXXX I set up a payment for XXXX I noticed it never came out of my bank o go On my dashboard and see it was cancelled?? I didnt cancel it I call and they have no clue what happened I now make another payment over the phone with them - this time for the full balance due of XXXX and that one gets cancelled too?? Still no clue on their end?? now I also have a late fee charged which they say I Have to put in a request to waive it? I said to them I am just trying to pay my account info and then I want to close it on my end I do not understand why this can not happen? Why do you keep canceling my payments? I am trying to repair my credit and this will put a mark on my credit report that I do not deserve There is no physical location of them for me to go make my payment I finally got through the supervisor well I have to leave a message she calls me back she tells me to contact my bank My bank verifies there are absolutely no define transactions and there are no attempts for either the transactions to be made no the supervisor at Avante credit card Told me the funds were not released that is not true I verify that my bank that was a lie she didnt maybe theres a block on my debit card there is no block I have used his debit card hundreds of times with no problem paying credit cards She tells me to call back after I talk to my bank I called back they pick up they asked for my name I gave them my name they hang up on me? I am at a loss I do not know what to do they now have my credit in their hands which is not fair because I am trying to pay them I just want to pay them I want the late fee waived I want no marks on my credit report and I want my account closed and I want it to be stated that I closed it at my request not them I am trying to repair my credit and Ive been doing a pretty good job and its completely unfair for them to operate this way I dont know if you can help me with this but I really hope you can help me with this its only a {$300.00} limit credit card this is insane to me I look forward to hearing from you and appreciate any assistance you can give me They also then try to get my bank account information saying maybe that would go through Im not comfortable giving them my bank account information I do not trust them its a lot easier for me to switch a debit card if I have to then open up a whole new bank account ive never had a credit card company asked me to do that either
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

The account is still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the account that is still reporting on my report : XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance Owed : {$0.00}
Consumer complaint received 2022-02-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

My Husband of XXXX years passed on XX/XX/XXXX and Webster Bank will not accept my Probate Degree Without a Proceeding in order to access the money in my late husbands checking and savings account. 

His estate was under $ XXXX so Probate issued a Decree without a Proceeding. Webster Bank wants an appointment letter. In order to get that, my attorney would need to open the open the claim and file a Small Claim which is not required otherwise. That would cost me $ XXXX which is more than the money combined in both accounts. XXXX had a will that left everything to me. I was an authorized signer on the checking account that was opened in early XXXX. I have full recollection of XXXX having me sign the papers. I have written and signed checks from time to time ever since the a account was open. Webster claims I am not listed as a signer. 

Can you help me access the money and close the accounts.
Consumer complaint received 2022-01-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A. (NY)

THIS ORGANIZATION HAS COMMITTED SEVERAL FEDERAL VIOLATIONS AND IDENTITY THEFT. THIS ORGANIZATION OBTAINED MY LOCATION INFORMATION WITH OTHER NON PUBLIC PERSONAL IDENTIFICATION FALSELY WITH FALSE REPRESENTATIONS IN THE PROVIDED EXHBIT. THIS ORGANIZATION NEVER HAS MY DIRECT CONSENT TO COMMUNICATE WITH ME AND HAS COMMITTED IDENTITY THEFT PURSUANT TO FEDERAL LAW AS WELL AS INVADED MY RIGHT TO PRIVACY. PURSUANT 18 USC 241 & 242 XXXX & XXXX ARE CONSPIRING WITH CITI BANK AS WELL AS THE CRA 'S CAUSING INJURIES AND DAMAGES BY FURNISHING HARMFUL INFORMATION ON MY CREDIT REPORT IN ATTEMPTS TO COERCE PAYMENT OF THE ALLEGED DEBT DEPRIVING ME OF MY RIGHTS. IN ADDITION PURSUANT 15 USC 1602P XXXX IS IN VIOLATION FOR THE UNAUTHORIZED USE OF MY CREDIT CARD.
Consumer complaint received 2020-07-27
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: American Acceptance Co., LLC (RI)

Hi my name is XXXX XXXX i Finance finance vehicle last year and I was involved in accident and my XXXX was totaled out three insurance and paid now when I apply for car loan is show up that I never even had a car loan but they also said its weird its like there giving me rates as first time car buyer but also like I still have a car Im paying on so I get a crazy high down payment and the person at XXXX couldnt understand why and told me to reach out to yous I know credit is everything In this world and I would like to fix this issue ty and they never reported any of my payments at all
Consumer complaint received 2020-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

To whom it may concern : On XX/XX/XXXX, I received the attached response ( " XXXX NJ Response XXXX '' ) from Shellpoint regarding my complaint that was filed and submitted to CFPB and the New Jersey XXXX XXXX XXXX XXXX XXXXXXXX ). The rebuttal date was XX/XX/XXXX. 

In the complaint was detailed information that highlighted the fact that Shellpoint Mortgage is knowingly overcharging my tax escrow account and assessing anticipated figures that are entirely incorrect. In their statement Shellpoint said the following : " Shellpoint completed an escrow analysis on XX/XX/XXXX, based on the anticipated hazard insurance payment of {$3400.00} and anticipated county tax installments of {$4900.00}, {$5100.00}, {$4800.00} and {$4900.00} ( totaling {$23000.00} for the upcoming yearly bills from XX/XX/XXXX to XX/XX/XXXX ). '' It should be noted that the alleged anticipated tax amount of {$23000.00} would represent an unprecedented 17.68 % increase over the previous year ( {$19000.00} ), which is undoubtedly incorrect. As explained in a letter from the City of XXXX  ( see attached " City Response Regarding Taxes '' ), this is not possible unless there was something done to change the assessed values. I've lived at this address from 17+ years and my assessed value has been pretty stagnant. As proof, the attached history ( see attached " XXXX XXXX XXXX_Tax History '' ) of my property over the past 7 years clearly shows the same assessed value since XXXX. Moreover, according to the city, the only way the assessed value can be changed is with a successful tax appeal, an improvement done to the parcel that would increase the value of the property determined by the Assessor, or a municipal wide revaluation ; none of which applies to my property. Therefore the alleged anticipated county taxes is completely made up and not justified in the city of XXXX. 

Per the attached ( see attached " XXXX XXXX XXXXCurrent Tax Bill '' ), which shows the actual tax bills for XXXX covering the last 4 quarters are as follows which totals {$19000.00}, an actual decrease of .11 % under the previous year : - {$4800.00} - {$4900.00} - {$4900.00} - {$5000.00} Based on these facts, I have been mis-billed by Shellpoint since XXXX of XXXX. In which case, i hereby request that a total of {$1100.00} ( $ XXXX since XXXX ) be returned to me immediately. 

cc : NJ Consumer Affairs Attorney General Office of NJ  Department of XXXX XXXX XXXX of NJ