davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MO)

I had {$1000.00} of Bitcoin stolen out of my coinbase account. 


I received a text saying my password was changed the morning of Sunday, XX/XX/XXXX. I did not get an email, strangely. 
When I went to sign in, my password and e-mail no longer worked, and I couldn't reset my password either. 
I called Coinbase who finally froze my account, but it was too late and my funds were stolen. Coinbase alleged that the hacker had my e-mail, my phone, AND MY XXXX AUTHENTICATOR CODES, which is the highest form of security they offer. 

However, When logged into my gmail and looked at logged-in accounts. There were no unfamiliar IPs that logged into my account. 
XXXX looked up my SIM and informed me that I have no been the victim of a sim-swap. 
And, of course, my XXXX Authenticator is on my phone and was in my pocket. 

They dismissed my case and told me I had given hackers all of my personal information. This is an impossibility considering the layers of protection.
Consumer complaint received 2020-02-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kimball, Tirey & St. John LLP (CA)

The collection agency or law firm -- Kimball, Tirey and St. John LLP of XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX has been making calls to my elderly Father, assigned his social security to an unvalidated debt, and have hurt his credit, caused emotional distress.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Kikoff Inc. (NC)

My Kikoff account was hacked and my email address/login information was changed. They also added a second fake address to my credit report. I contacted the help center but the representative ignored me and never responded when I mentioned someone was committing fraud with my account. The help representative told me I set up the account with an email I've never owned ( XXXX ) this is not my email address and never has been.
Consumer complaint received 2020-02-18
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. (CO)

I HAVE SEVERAL ACCOUNTS SHOWING NEGATIVELY ON MY CREDIT REPORT. WHEN MY EX-HUSBAND AND I DIVORCED, WE AGREED TO SPLIT THE DEBT ACCRUED DURING OUR MARRIAGE. HE HASN'T MADE HIS PAYMENTS AND DESPITE MY MANY ATTEMPTS TO CORRECT THIS, I AM NOT RECEIVING ANY RESPONSE FROM THE COLLECTORS ON THOSE ACCOUNTS. AS IT STATES IN MY DIVORCE DECREE, THOSE SPECIFIC ACCOUNTS BELONG TO MY EX-HUSBAND. I HAVE BEEN TRYING TO CORRECT THIS FOR NEARLY THREE YEARS, BUT I HAVEN'T HAD ANY SUCCESS, AT ALL. I HAVE SUBMITTED DISPUTES, WRITTEN LETTERS SENT TO THE COLLECTORS, I HAVE TRIED CALLING TO DISCUSS THE ACCOUNTS AND GIVE THEM THE CORRECT INFORMATION. IF SOMEONE COULD PLEASE HELP. I AM APPLYING FOR A CAR LOAN SOON AND I HOPE TO HAVE THESE NEGATIVE ACCOUNTS OFF OF MY REPORT. I HAVE BEEN PAYING MY PART OF THE DEBT, BY MAKING MONTHLY PAYMENTS. I SHOULD NOT BE PUNISHED BECAUSE MY EX-HUSBAND ISN'T TAKING CARE OF HIS DEBTS.
Consumer complaint received 2020-02-18
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. (FL)

I recently checked my credit report and noticed several fraudulent accounts that are reporting. Please help me with this matter because it is affecting my ability to purchase a home tremendously. The accounts are showing as XXXX, XXXX XXXX XXXX and XXXX XXXX as well none of which I have ever done business with. I did not authorize any of these companies to run my credit or inquired with them.
Consumer complaint received 2021-11-17
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: EQUIFAX, INC. (AR)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-02-18
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. (CO)

I HAVE SEVERAL ACCOUNTS SHOWING NEGATIVELY ON MY CREDIT REPORT. WHEN MY EX-HUSBAND AND I DIVORCED, WE AGREED TO SPLIT THE DEBT ACCRUED DURING OUR MARRIAGE. HE HASN'T MADE HIS PAYMENTS AND DESPITE MY MANY ATTEMPTS TO CORRECT THIS, I AM NOT RECEIVING ANY RESPONSE FROM THE COLLECTORS ON THOSE ACCOUNTS. AS IT STATES IN MY DIVORCE DECREE, THOSE SPECIFIC ACCOUNTS BELONG TO MY EX-HUSBAND. I HAVE BEEN TRYING TO CORRECT THIS FOR NEARLY THREE YEARS, BUT I HAVEN'T HAD ANY SUCCESS, AT ALL. I HAVE SUBMITTED DISPUTES, WRITTEN LETTERS SENT TO THE COLLECTORS, I HAVE TRIED CALLING TO DISCUSS THE ACCOUNTS AND GIVE THEM THE CORRECT INFORMATION. IF SOMEONE COULD PLEASE HELP. I AM APPLYING FOR A CAR LOAN SOON AND I HOPE TO HAVE THESE NEGATIVE ACCOUNTS OFF OF MY REPORT. I HAVE BEEN PAYING MY PART OF THE DEBT, BY MAKING MONTHLY PAYMENTS. I SHOULD NOT BE PUNISHED BECAUSE MY EX-HUSBAND ISN'T TAKING CARE OF HIS DEBTS.
Consumer complaint received 2017-06-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

I am trying to pay this debt howe ver, Citi/ATT Universal Card is fals ely charging me. I closed the account and pay more than the minimum payment. Call after call to Customer Service is useless ; written communications are not helpful ; I need help in resolving this matter. I made a payment of {$500.00}  XXXX     2017, it  did not clear then and to date it has not cleared my bank ;  XXXX   XXXX ,  2017, I called Citi,  was told payment was not received ;  XXXX   XXXX ,  2017, I stopp ed payment on the check and made a replacement of that check by phon e to Citi in the  amount of {$500.00} ;  XXXX     2017 statem ent shows a charge of {$500.00} ; I called customer service disputing this charge, they are useless and rude ; many attempts to resolve this monthly {$500.00} charge was resolved, so I thought. Please see attachments hereto. I am being charged {$500.00} each mont h by Citi ; I have called and written Citi without succe ss. Maybe you can assist me in resolving this. Thanks
Consumer complaint received 2021-11-17
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. (TX)

My name is XXXX XXXX and I have several items appearing on my credit report that are not mine and are the result of identity theft. The alleged debts are not mine. I am attaching a duly executed identity theft report/notice filed with the FTC. I am requesting XXXX Equifax and XXXX remove these items from my report. I have previously tried and they did not remove them.
Consumer complaint received 2020-02-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BBVA FINANCIAL CORPORATION (NY)

Around XX/XX/XXXX, I started receiving phone calls from XXXX stating that they were Compass Bank attempting to collect debt on a loan I had taken out. The loan was for XXXX $ with my family, XXXX and XXXX XXXX, being the Co-Signers with the help of XXXX XXXX, at the XXXX XXXX, FL, XXXX, Compass Bank location. I had established payments to be made from my current XXXX Checking Account toward the loan. For four months, or longer, I had made duplicate payments toward the loan in order to have it paid off faster. This put my next payment due in XX/XX/XXXX, Once I began to receive the phone calls asking for collections in XXXX I attempted to make payments with the XXXX account, without my knowledge the account had been removed from the payable accounts. In XX/XX/XXXX this continued, I had attempted to make further payments one specifically on the XX/XX/XXXX I made a regular payment from my XXXX checking account, on the XXXX per XXXX the XXXX $ posted as a payment to BBVA AUTH LOAN PAYMENT LGAE, on the XXXX BBVA issued a reversal due to NSF which is a lie, BBVA- XXXX PAYMENT REVERSAL, XXXX states this on the 1XX/XX/XXXX XXXX XXXX XXXX XXXX Original Description NSF FEE - ITEM RETURNED Additional Details ACH - BBVA AUTH LOAN PAYMENT. 

After seeing this I have looked into the duplicate payments which were sent back as having NSF per BBVA, which is inaccurate. The bank has committed now affected my credit and possibly stolen money from me and my family. I have spoken with their fraud department, specifically a supervisor named XXXX, who confirmed this was an issue by BBVA and attempted to have me speak with a customer care specialist named XXXX XXXX, I have made multiple attempts to speak with her to no success.
Consumer complaint received 2020-02-18
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: TD BANK US HOLDING COMPANY (CA)

My name is XXXX XXXX and I am writing in regards to a complaint/issue I am having with TD bank USA N.A. 

On XX/XX/XXXX I made a purchase with a kitchen supply company for some kitchenware in the amount of {$9700.00} and was promised a estimated date of arrival on XX/XX/XXXX. After numerous attempts to contact them I was not able to reach anyone. This went on for a few weeks with no luck. I finally decided to call Target card / TD Bank USA and filed a dispute with the card company. TD bank USA stated they would credit back the disputed amount while they investigate the matter. On XX/XX/XXXX I received a mailed letter stating the disputed amount of {$9700.00} has been placed back on my account. Since receiving this letter I have found ways to contact the merchant who charged it and got a hold of someone and they have agreed I have not received my products and that they did inform TD bank USA that I have not received my products. I have contacted TD bank USA numerous times with no luck on getting any calls back.
Consumer complaint received 2021-07-22
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: Experian Information Solutions Inc. (TX)

On XX/XX/2021 letters were sent to XXXX XXXX  and Experian explaining there is no original contract or original ink signature to validate debt. On XX/XX/2021 I received letter from the three bureau and the debt is still reported on each one without the original instrument of indebtedness with original ink being provided.
Consumer complaint received 2020-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TN)

I found out my house is set for a property foreclosure sale XX/XX/2020 recently by someone coming to my house asking to buy my house. I filed bankruptcy to keep my house from being foreclosed a few months ago. I did not get a foreclosure letter from the Foreclosure attorney XXXX XXXX XXXX or Rushmore. I sent documents and request for mortgage modification to Rushmore my mortgage servicer. Contacted Rushmore XX/XX/2020 spoke to XXXX, ID # XXXX asked what was the status of the modification that was submitted. He said that the file was reviewed on the XXXX of XX/XX/2020 and a letter had gone out to me. He said they received a call from me XX/XX/2020 and I was told verbally what they needed. He said it has been 37 days and the file would not be reviewed for a mortgage help. I have not spoke with anyone from Rushmore and my husband has not either. I have not received mail from Rushmore requesting information. XXXX was rude and unwilling to help me save my home, the state of Tennessee says I'm suppose to receive a letter 30 days before a sale date is set for my house. I have not receive any letters
Consumer complaint received 2021-11-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX, XXXX XXXX XXXX, and Equifax Corporate Office representatives have been using my personal financial information to fraudulently report an account/public record that they have not been able to provide accurate reporting information. I have requested they provide me with the XXXX party vendors or additional information that support their reporting and they have refused. Therefore, they are stealing my personal information and knowingly reporting unverified information. On Tuesday, XX/XX/XXXX I had a phone call with XXXX Identity Theft Resolution Professional with XXXX. We completed one phone call to VERIFY an INACCURATE collection account that was reporting on my report. The phone call concluded that the company did not have information for me, and was not reporting. After all attempts of disputing this account, and they constantly reported that it was reporting and correctly, and then now with me urging them to call because I called and it was verified they received the correct information. We then made calls to VERIFY the information being reported for Bankruptcy and it was UNVERIFIABLE. This shows that none of the credit bureaus have attempted to accurately VERIFY accounts that are reporting when consumers initial dispute XXXX times.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX/XXXX # XXXX is reporting a charge off to my credit that is past the Statute of Limitations in Nevada. I no longer legally owe this debt and it needs to be taken off of my credit report.
Consumer complaint received 2019-08-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections (WA)

Bonneville collections for {$810.00} this amount is incorrect for the address XXXX XXXX  XXXX XXXX I moved out of my apartment at the end of XXXX early XXXX and requested my power to be shut off it was left on in my name until XXXX of the next year.
Consumer complaint received 2018-11-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

My old bank ( XXXX Bank ) was bought by First Citizen 's Bank. The type of account that I had was marketed as no-fees. First Citizen 's honored the no-fees for 30 days but not did not properly inform customers when they discontinued the service and began to charge overdraft fees. 

Their online account balances have been out sequence, they are charging ghost fees 3-5 days later that are not showing up until after you've made transactions based on the out of sequence balances. They also are adding services that have not approved of and withdrawing the charges from the account. 

Their retail business staff has been deterring personal account holders from applying for personal loans by telling them that personal loans aren't available.
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (AZ)

On XX/XX/2020 a charge of XXXX from XXXX XXXX appeared as a pending charge to my Citi credit card account. I additionally received notice to contact Citi Fraud Department based on perceived fraudulent activity. I called immediately and was told the dispute process could not be started until the charge posted but that would happen automatically since I reported the charge as fraudulent. I did not make this charge and have no idea who did. 

On XX/XX/2020, the charge appeared as a posted charge for XXXX from XXXX XXXX with a charge date of XX/XX/2020. Additionally, a credit for XXXX appeared with a date of XX/XX/2020. Again, both of these are fraudulent. 

On XX/XX/2020, I contacted XXXX XXXX and a fraud investigation was started on their side as well. I was told the name on the airline ticket purchased with my card was not mine but they would not tell me who it was or where they were flying from/to. 

On XX/XX/2020, I additionally recontacted Citi fraud department as the charge and credit were still appearing in my account. The fraud department connected me to a second " specialist '' who told me the dispute would not show up in the " dispute center '' for at least 12 days and it could take 3 billing cycles to finish their investigation. I reminded him that the charge was made without my card present and I obviously had no idea who used it but they could very easily find out from XXXX whose name was on the ticket. He stated I was " liable for paying for the fraudulent charges '' until the investigation was complete. He refused to credit the account in the interim and when he transferred me to customer service, who he claimed would be able to do that, he told them I wanted a credit limit increase. The customer service rep told me she would have been able to credit the account if I had contacted prior to the end of the billing period. What?! I contacted the first 5 minutes after it showed up as a pending charge and I got the app message of a " card not present transaction. '' How much sooner would I need to contact?? 

I recognize investigations take time, however I should not be threatened with late fees and collections if I refuse to pay a charge that I have no liability for. I had a charge to my XXXX several years back and the charge was gone from my account before I hung up the phone. This is completely unacceptable.
Consumer complaint received 2019-08-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I had just started working for XXXX XXXX XXXX and needed proof of a settlement or a payment plan with the debt collectors to an apartment complex I resided at. I had broken my lease left before finishing my contract do to some family problems, to finish my on-boarding with the company my leasing manager provided me the information to the debt collectors and to contact them as soon as possible and set up a payment plan because I wouldnt be able to pay the whole amount upfront. I got in contact with the manager  XXXX on XX/XX/2018 and he seemed nice then did explain to me he could take off a few {$100.00} from the debt if I paid that day I stated I still wouldnt be able to afford it and wanted to do a payment of XXXX $ a week he advised me to apply at some company called XXXX   and once I got approved to give him a call right back. So I applied and noticed it was like a payday loan or loan company lucky me I wasnt approved, I called back and informed him I wasnt approved and just wanted to go ahead and do the {$100.00} every Friday from my debit card he agreed and took my card information and I asked for the proof of the agreement we made he stated hed send the statement through email. I finally received the statement but my manager said it had nothing to do with the agreement we had over the phone. I emailed XXXX back informing him that I would need actual proof about our payment plan agreement. Note I was very scared Id lose my job so I was willing to work as hard as I could with the debt collectors. He acted like he never had the conversation with me about a payment plan I had stated I wasnt going to be able to afford it so Id want a payment plan of the {$100.00} every week since I had been jobless for awhile do to problems I was having at home so he offered me XXXX if I didnt get approved then we could go forward with our plan B ( payments of {$100.00} ). 
So I called back and every time Id get someone different so my manager advised to wait till Friday   when my payment would be drafted and if not call right back on Tuesday  XX/XX/2018 since Saturday theyre most likely be closed and on Mondays I was off. I sent an email to XXXX but only wanted me to call and seemed so rude over the emails so my Manager decides shed call with me and the CSR did state I did talk about the {$100.00} a week but he stated I wouldnt get any kind of proof till I finished the full amount.
Consumer complaint received 2022-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MI)

Someone from Caine & Weiner contacted me saying I owed {$390.00} to XXXX and they are collecting on their behalf. I dont owe it and I also, in writing, told them not to contact me again, but sure enough they did. And they showed me a screenshot of something that anyone can pull up on the State of Michigan business entity website. I am filing this complaint so that these predatory businesses get fined for taking illegal actions against people.
Consumer complaint received 2021-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I put in a withdrawal request from my closed account from Bank Of America. They have yet to approve my withdrawal request at the appropriate timeframe and keep giving me the same excuse as to why It has not been approved.
Consumer complaint received 2020-02-18
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. (CO)

I HAVE SEVERAL ACCOUNTS SHOWING NEGATIVELY ON MY CREDIT REPORT. WHEN MY EX-HUSBAND AND I DIVORCED, WE AGREED TO SPLIT THE DEBT ACCRUED DURING OUR MARRIAGE. HE HASN'T MADE HIS PAYMENTS AND DESPITE MY MANY ATTEMPTS TO CORRECT THIS, I AM NOT RECEIVING ANY RESPONSE FROM THE COLLECTORS ON THOSE ACCOUNTS. AS IT STATES IN MY DIVORCE DECREE, THOSE SPECIFIC ACCOUNTS BELONG TO MY EX-HUSBAND. I HAVE BEEN TRYING TO CORRECT THIS FOR NEARLY THREE YEARS, BUT I HAVEN'T HAD ANY SUCCESS, AT ALL. I HAVE SUBMITTED DISPUTES, WRITTEN LETTERS SENT TO THE COLLECTORS, I HAVE TRIED CALLING TO DISCUSS THE ACCOUNTS AND GIVE THEM THE CORRECT INFORMATION. IF SOMEONE COULD PLEASE HELP. I AM APPLYING FOR A CAR LOAN SOON AND I HOPE TO HAVE THESE NEGATIVE ACCOUNTS OFF OF MY REPORT. I HAVE BEEN PAYING MY PART OF THE DEBT, BY MAKING MONTHLY PAYMENTS. I SHOULD NOT BE PUNISHED BECAUSE MY EX-HUSBAND ISN'T TAKING CARE OF HIS DEBTS.