davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Coinbase, Inc. (TN)

On XX/XX/2021 I sent XXXX XXXX crypto coins from XXXX to Coinbase XXXX. XXXX was listed on both exchanges with the same ticker. Listed as XXXX. After I transferred the crypto a time went by and the transfer had shown success but my balance never changed. I went to the forums to search for any outages or issues. Apparently this has become a huge issue and many just like me suffered the same fate. Coinbases customer service is almost non-existent. Reaching out to them twice I have never made it past an automated response. I have since moved all my crypto currency off the exchange and implore all that I come in contact with to do the same. This happens everyday. Coinbase holds the private keys to the address where my crypto sits. I can see it using another crypto wallet of mine but since Coinbase holds the private keys I can only see it and not do anything about it. Coinbase could just return to sender. It would go right back to the address it came from. Just like the mail. Coinbase own the address but will not do this. So even though {$600.00} value at the time isnt life changing I do believe that considering the distinction between what is claimed to be two different tokens but with the exact same ticker is misleading and caused myself and many others to lose money. Even on Coinbases exchange the crypto in question lists its use case for this version of the token exactly as the coin that I have. However you can not stake or use is to bring devices on the XXXX network. You can only do that with the version of the token that I have. This was not listed anywhere. There were no safeguards to prevent mislead consumers from sending the crypto to Coinbase pro. Since Coinbase has changed the ticker to add another identifier. As it should have been all along. Consumers would have known there was a difference between the two and at least been given the opportunity to not make the transfer. The tickers were the same however when I sent. This is my formal complaint about the company and exchange. My money will sit there in an address that Coinbase owns, has access to, and that could return until it lays dormant for long enough as to they can then legally remove the token by XXXX. I was mislead by this company and exchange. I will try to hold onto my account as long as possible to hopefully get the crypto that I worked so hard for back. I implore someone to do something about this exchange and its shady business matters.
Consumer complaint received 2021-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (NJ)

Canceled XXXX subscription. Several months later, XXXX withdrew a monthly payment from my checking account. A call to XXXX resulted in an immediate refund. Several months later, I began receiving letters from debt collectors trying to collect the refunded amount. There is no debt. XXXX confirmed over the phone that there is no debt. However, Enhanced Recovery Company , LLC, XXXX ERC and/or Enhanced Resource Centers continues to claim the debt is valid and verified. Company has yet to provide any proof of validation or verification besides a simple printed output from their computer system. No proof from XXXX was provided, more than likely because it does not exist. This is in addition to sending letters to previous addresses, in and attempt to intimidate and embarrass, although they have receive correspondence and verification of my current address.
Consumer complaint received 2021-08-25
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. (DC)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2021-08-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Merchants Automotive Group LLC (NH)

I am being charged a " Door Knock '' Fee in XX/XX/XXXX/XX/XX/2021 for an Private investigator being hired to hand deliver me a demand for payment from Right Direction. I never received said notice, as the Private investigator was sent to the wrong address and location to provide me with these papers. Right Direction has my updated address on file in XXXX, NH, but yet still went to a location in XXXX that has never been associated with my account nor has been a place I have ever been to in the last 5 years of having this car.
Consumer complaint received 2015-12-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (TX)

AMEX accepted a charge from a merchant against my account. I disputed it, as the merchant was a third party ( XXXX Mortgage ), did not have my authorization to charge my account, and the party that I had a relationship ( XXXX ) had indicated to me that no charges would be made, partially due to malfeasance by the third party and its agents. To respond to the dispute, the third party provided written documentation to AMEX stating that they were a telemarketing firm and had to charge people to stay in business, and provided a copy of my agreement with XXXX as proof. AMEX accepted that assertion as proof and closed the dispute. I fail to see how either was adequate. AMEX has since just told me that they really do n't process the dispute - it is just if they receive any response, they close it. Since AMEX closed my dispute, I have been fighting with AMEX to get them to look at their dispute process as the XXXX XXXX had no standing, and their accepting the charge and closing the dispute, when they were provided written evidence that they third party had no standing, were both evidences of broken processes within AMEX. I 've spoken to many CSRs and supervisors in card services at AMEX, and they all claim that there is no way to flag a call to have this matter looked into, there is no internal audit or internal controls group at AMEX, there is no Executive Customer Resolution center to escalate to, and all just basically dismiss my concerns. One call wen tot XXXX, but language difficulties prevented me from even getting them to understand the problem. XXXX call did get escalated to Fraud in XXXX, but they explained that they are n't really Fraud they are only set up to deal with Identity Theft. Based on this experience and other recent issues with them, I am in the process of closing a thirty-plus year relationship with them.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (AR)

I have no knowledge of these hard inquires these inquiries involve identify theft and must be removed no later then XXXX business days as per 15 u.s code 1681 c-2 iam a victim of data breaches exposed by XXXX breaches. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-11
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: Experian Information Solutions Inc. (TX)

I have disputed the illegal reporting of XXXX XXXX XXXX to Experian and Experian will not remove this account, XXXX XXXX XXXX has been reporting false information and increasing the balance every month when this account has been closed since 2016. This is against the law and the FCRA and should be REMOVED!!
Consumer complaint received 2018-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Chase Freedom misrepresented crucial acts of the money transfer by not telling me that they would not honor the normal thirty day payment period for regular transactions and start collecting interest immediately at a very high rate -- they are incredibly dishonest and misleading. I have repaid the amount in full within two weeks when I learned of this and want the charge for their fraud returned to me. Their employees officious snarky attitude drove me up the wall. I had recently changed my checking account to Chase -- it's obvious they are not the sort of people with whom I want to do business. I want everyone to be warned about Chase fraudulent misleading banking practices.
Consumer complaint received 2021-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the illegal reporting of XXXX XXXX XXXX to XXXX and XXXX will not remove this account, XXXX XXXX XXXX has been reporting false information and increasing the balance every month when this account has been closed since 2016. This is against the law and the FCRA and should be REMOVED!!
Consumer complaint received 2021-12-11
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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I submitted a letter to XXXX, XXXX, and Experian on XX/XX/2021 to update my personal information and remove the inaccurate. The information has not updated and I haven't received a response.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a letter to XXXX, Transunion, and XXXX on XX/XX/2021 to update my personal information and remove the inaccurate. The information has not updated and I haven't received a response.
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I have been a customer of Wells Fargo for 16 years. 2 of my loans are almost paid off. I have never been late with a payment, I have a credit card with them and a home line of credit. I am deeply disturbed by this business practice. I started the loan process with them in XXXX. I had a pre-approval letter for a house. We are 3 weeks away from closing, after putting money down and paying in advance for an appraisal that XXXX XXXX and XXXX XXXX don't accept short term rental income. I have had rental income for 9 years. I have asked that they contact other banks for less stringent methods. I detralmentally relied on this and have purchased almost {$2000.00} worth of funiture in my garage. {$4000.00} downpayment and almost {$700.00} to Wells Fargo. It was never mentioned that short term rentals are not the same as long term rentals and this was even an issue until TODAY, a short time from closing. I asked that smaller banks be contacted for their stance. which I was told that was above their salary grade. This is unacceptable. This should have been disclosed in the beginning that a short term rental income does not qualify the same as long term rental. If it is income it should not matter.
Consumer complaint received 2018-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc. (TX)

I have been receiving numerous telephone calls from XXXX XXXX XXXX XXXX of XXXX, GA, telephone number XXXX, attempting to collect a debt from a Ms XXXX XXXX. I am not Ms XXXX and do not know who Ms XXXX is, where she lives, or any other information about her. 

I have explained this numerous times to this company and they hang up on me when I try to talk to them about this. I have tried to explain to them that the number that they are calling is not a home land line number, is not a cell phone number, but in fact is the access number of my XXXX XXXX XX/XX/XXXX. However, they continue to call, some days, 4 -5 times a day.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted the companies and the credit bureaus on multiple times XX/XX/2022, XX/XX/2022, XX/XX/2022 for them to remove these accounts because they were paid in full but still being reported as charge offs on my credit reports. XXXX XXXX XXXX paid in full, XXXX also paid in full but still reporting as charge off.These inaccurate items that are reporting on my credit reports are having a negative effective on my mode of living, which is directly impacting my relationships with creditors cause i am trying to buy a home. I have reported these discrepencies to the Federal Trade Commission, XXXX and California Attorney General. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2021-12-11
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. (GA)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I demand the deletion of the fraudulent inquiries listed below. 

XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2021-05-10
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Title365 Holding Co. (MD)

I closed on my home for a refinance with Title Company Title365 on XX/XX/XXXX, for a property in MD. In the closing, an amount of {$1500.00} was collected for the XX/XX/XXXX payment of XXXX XXXX property taxes. 

These taxes were never paid. I received a Real Property Tax Levy Delinquent Notice from XXXX XXXX on XX/XX/XXXX. Since then, both the mortgage lender and I have been trying to contact Title365 to get proof of payment. They have never answered their calls for me for the last three months nor the lender and finally, the lender took the money from my loan escrow account to pay the taxes ( double paid ). I request an immediate refund of {$1500.00}.
Consumer complaint received 2021-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (TX)

I filed a complaint against AARGON agency previously, the complaint number is XXXX. They responded to the complaint and mentioned the following : ( Our office sent the verification letter and itemized statement to the consumer on XX/XX/2021, in response to the direct dispute letter the consumer sent to our office. ( The mail was post-marked XX/XX/2021 and we received and processed on XX/XX/2021. ) Our client is not showing insurance information was provided at the time of service. Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations. ) Aargon sent a statement that shows a balance, the statement does not show the medical provider, their address or my address, just a few sheets of paper showing a balance. If their CLIENT has not shown my proof of insurance, then I need the medical provider information so I can go in person to their office and request copies of those medical records. I am entitled to copies of medical records and if this collection agency does not provide it, I have every right to go to the medical provider they are billing me for.
Consumer complaint received 2021-12-11
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. (GA)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

dispute # 1 : There is an inquiry on my Equifax credit report from XXXX home furniture inquiry date XXXX. I did not inquire anything from XXXX this was done fraudulently against my knowledge and my consent I did not sign for any of this Dispute # 2 : XXXX  inquiry date XXXX XXXX XXXX XXXX XXXX. This inquiry also is fraudulent as I did not inquire anything from XXXX XXXX XXXX this was done fraudulently against my knowledge and consent I did not sign for this this has already been removed from my XXXX consumer report deleted from my XXXX consumer report
Consumer complaint received 2023-10-26
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCF Intermediate Holdings LLC (TX)

Received Email back in XXXX saying I owed a debt I electronically filed a dispute with them at XXXX as requested on the email they sent me. They failed to get back to me with the information that I requested as I have no knowledge of the debt. I have now learned that they have placed a collection record for the past 2 months with the credit bureaus. 

As I disputed this and they failed to provide me with any information whatsoever, they have no legal right to place that record on my credit reports and I requested that they remove them immediately. They have failed to acknowledge my emails confirming that the collection will be removed but did confirm that they will research the debt and get back to me. In the meantime, between their failed attempt to validate the debt back in XXXX, they illegally placed a collection on my credit report which I need removed immediately.
Consumer complaint received 2021-12-11
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 have not supplied proof under the XXXX  of XXXX by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.
Consumer complaint received 2021-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (NJ)

on XX/XX/2021 i noticed one of soon to be several unauthorized charge on my account in the amount of {$310.00}. now on this particular day it happened to be my now XXXXXXXX XXXX XXXX birthday! leaving me devastated and moneyless with three other children to feed and no means to feed them i found myself having an anxiety attack! I then proceeded to contact Regions immediately, after being on hold for 30 minutes i then spoke with XXXX XXXX who i confronted about the unauthorized charge. After being told i would not and could not reverse the transaction i demanded my money be returned yet again under 15 usc 1692h 15usc1692d 15 usc 1692e XXXX in return call her supervisor who also tells me the same thing that i can not and will not be returned any money! Regions then again on XX/XX/2021 took XXXX on XX/XX/2021 regions took XXXX and again XXXX XXXX after being told not to keep garnishing my account they did so anyway! I want to know how are they able to use my credit card and take my money when they feel like it please elaborate for me after being violated they continued to mail several alleged debt letters to my familys place of abode on XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 when i called to investigate regions told me they had no knowledge of what had been sent and to whom it was sent to regions went as far as closing my account without my permission just mind blown that they think they have the right to do these things to me me being the consumer thanks ill be waiting a response
Consumer complaint received 2021-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (GA)

Hello, I have received a letter from Navy Federal Credit Union on several dates, stating that I need to verify my information using the XXXX form. I uploaded the form to their organization several times with no feedback regarding updates at this time. It appears I have credit cards with them that I can not access to make payments on at this time. I would like for your organization to reach out to them to get more details on verifying my XXXX XXXX XXXX  with the XXXX.
Consumer complaint received 2021-12-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: 21ST MORTGAGE CORP. (TX)

I have a loan with 21st mortgage that began XX/XX/20. I have discovered that I am not on my property. I was put on the wrong property including all my utilities. I have continued to pay the mortgage but there has been zero progress. 21st said they are not involved and cant do anything about it. They are telling me I have to handle this alone.