davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Good evening there, I hope you're well. 

Given CFPB long experience, regarding consumer protection, I'm sure the following case is nothing new for your agency. 

OBJECT : Coinbase illegal freezing of assets The Coinbase account was opened on XX/XX/XXXX. 
Trading activity was smooth and KYC process was fully completed. 

On XX/XX/XXXX, account got frozen without prior notice. 
No explanation or communication was received either. 

Ticket # XXXX was opened, inquiring about the issue. No reply received. 

Costumer Support replied only after complaining on XXXXXXXX Coinbase page.

No explanation was provided, instead Costumer Support tried explaining how they were reviewing the possibility to withdraw via ACH. 

Coinbase is totally aware that ACH transfer is only available for US clients, which is not this case, since the account is from XXXX. 
It seemed, like searching every possible way, to withold the funds. 


Our next email pointed out the ACH impossibility and formally requested explanations. 

Along with this, an update was published on Reddit.com. 

Costumer Support 's next move was to officialy close the Coinbase account, delete any post from XXXX and ban the account from publishing more. 

Therefore, given Coinbase ToS about account 's closure, we requested to withdraw the balance. 
" You are allowed to withdraw all funds from your Coinbase account and send it to any wallet address you choose .... before the account closure proceeds. '' ( https : //help.coinbase.com/en/coinbase/other-topics/other/does-coinbase-freeze-accounts ) No reply was ever received. 
All following emails went unanswered. 

Viewing Coinbase as a respectable business, with a solid base, this behaviour seems odd to say the least. 

Thanks a lot for your assistance. 
I wish you a pleasant day.
Consumer complaint received 2018-12-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (WI)

Americollect is trying to collect a debt that is passed the Wisconsin statute of limitations. They are also reporting into my credit agencies showing that I owe the entire balance and it is negatively impacting my score there may also be duplicates of the same account on my credit score. I think this is manipulative business practices and they should be investigated and prosecuted.
Consumer complaint received 2021-12-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

Hello, I have been reporting unverified information on all 3 credit buraus, It has been several months and i have no heard anything or have gotten any response via email or address included in all 3 letters per bureau. I have significantly been affected by these unverified accounts and a violation of section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) has been breached. I had asked that all information be verified with proofs. I also Adked that addresses that do not belong to me be removed within 30 days. they are still on my credit and are affecting me significantly during this Epidemic, causing me to lose my home being i could not find get financial assistance due to poor credit history. I have mailed all 3 letters and kept track of dates and letters via a laptop in which i will attatch to this report.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Equifax and XXXX XXXX XXXX and XXXX XXXX XXXX is reporting accounts that are not mine. I have disputed with them before but they produce no evidence to show me that these indeed are my accounts. They are speculating and putting " updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. The reports they send back provide no evidence of verification. It just says the exact same thing from the previous credit report.
Consumer complaint received 2018-04-10
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. (NY)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX certified letters were sent to Experian regarding a inquiry on my Credit Report regarding XXXX, I explained I did not give permission to pull my credit report and wanted proof of my permission rather it was on recording or by signature which I don't recall doing either.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (CA)

On XX/XX/2022 I made a transaction for a local dumpster company to be shipped, but the order couldn't be fulfilled and I requested a refund on XX/XX/XXXX. 

Because I noticed that the refund did not reflect on my account yet, on XX/XX/2022 I called Aspire at XXXXXXXX XXXX  XXXX XXXX and I was told that the refund is on the account as a credit but was not applied yet. ( This conversation is recorded ) After the entire month of XXXX, nothing still wasn't applied. So today XX/XX/2022 I reviewed all the statements and transactions for XXXX and XXXX to double-check to see if the refund was applied before I called Aspire again and it was not found. 

I call Aspire on XX/XX/XXXX, and they told me that the credit was applied on XX/XX/2022. 

How is that possible if on XXXX the XXXX the employee told me on XX/XX/2022 that it was not applied yet? 

The employee also went on to tell me " maybe because I had a lot of transactions that I was unable to notice the refund ''. 

I check my balance every time before I spend, so I would have noticed if {$340.00} was put back on my account.
Consumer complaint received 2019-08-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RSH & Associates, LLC (OK)

RSH & Associates showing a collection opened XX/XX/XXXX, however, the are not showing a date of last activity, however they keep reporting it monthly even though it is over 4 years old.  The date of last activity needs to be shown.
Consumer complaint received 2018-12-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IN)

I was charged legal fee for a attorney but they can not give me details on what the what the attorney did. I also hired a attorney and my attorney did all the work. Was told by the banks attorney to just send him all the information to approve. His fees was {$8200.00}. I have requested exact details on what the attorney did and was sent the same court documents that was sent to me by the court. No proof of what the {$8200.00} went for. I have emails showing the banks attorney did nothing. When asked about if they hold the attorney to a standard was told no they get a invoice and they pay it and I was responsible for paying the bill. When I pointed out that their attorney almost settled for {$14000.00} when cost to remediate the damages was over {$60000.00} was told that it was not their issue. Mr. Cooper did not hold their attorney to any standard and let the attorney charge for doing nothing. In addition, I was never told they hired a attorney nor did the attorney contact me to find out information on how the imminent domain case impacted the property. I do not feel I should pay for both attorney fee.
Consumer complaint received 2018-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Despite 5 or more written request, this debt collector business has failed to verify correctly items listed in my credit report and still remain. Under the FCRA, they need to have a copy of the original creditor 's documentation to verify the information is mine and is correct. They have not provided a copy of ANY original documentation, a consumer contract with my signature on it as required under SECTION 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). They continue to violate my right to know their method of verification as required under section ( a ) ( 7 ) of FCRA. Under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. The Law is very clear as to the Civil liability and the remedy available to me ( Section 616 and 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. ***As per FTC opinion letter from Attorney XXXX XXXX XXXX  , you should be aware that a printout of a bill or itemized document does not constitute verification. *** This debt collecting company has violated The Fair Debt Collection Practices Act, including but not limited to Section 807-8 and Section 623-b.

They claim I owe {$1600.00}.

I have proof of certified mail as I maintained careful communication and they continue to be non-compliance of Federal laws under The Fair Debt Collection Practices Act, The Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that this debt collecting business is liable for willful non-compliance.
Consumer complaint received 2021-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (LA)

This is a mess... I have screenshots and made an extensive spreadsheet with transactions... 
I have been locked out of my account for a week.. 
I Just retained access and recovered my account today ( XXXX ) to see all of the fraudulent transactions... 
It is overwhelming to crunch all of the data on top of anxiety and stress of having my money stolen and taking losses in the crypto market without the ability to buy/sell any assets... 
I am beyond frustrated... please escalate this issue... I have been staying up day and night in worry and research... 
Besides that the customer service is not very helpful... I feel helpless... please escalate and respond ASAP This is affecting my physical and mental health.. 

*Early calculated losses include : ( A unauthorized withdrawal of ( XXXX ETH with a price of {$3700.00} per ETH ) ( from my Coinbase Pro account which is confirmed my a " time-stamped '' screenshot taken shortly before this debacle began ... .I keep good records of my funds... 
The hacker also converted ( XXXX ICP with a spot price of {$59.00} at time of transaction excluding fees into ( XXXX BTC ) from my coinbase account and then sent it to some unknown wallet ( Wallet : Sent XXXX BTC to XXXX ) ( {$82.00} USD Total ... .according to transaction history ) If I were to try to calculate the losses only including what was stolen from me ( not accrued losses due to loss of trading functions in my account platform ... .to which I still can not access ) would give a early- '' rough '' estimate of ( {$650.00} ) ... .this is unacceptable... and doesn't include my loss of time with my occupation, my children, and my sanity... someone need to respond quickly and give me some answers of I will have to start some litigation processes... 
I received an email about degraded service and then this happens ... what is going on? 
On XXXX ... frustrated beyond belief about no resolution into the fraudulent charges occurring on XXXX and XXXX attempted to close my Coinbase account that only had {$12.00} USD remaining in my balance from the debacle of online fraud... 

When I closed out the Coinbase account ... I then went to my Coinbase Pro account to find out that I could no longer access it ... I had a balance of roughly {$1900.00} USD in that account, which is no longer accessible... I just want to be refunded my money from this online service, including the NSF fees that were charged ... .this does not include the losses I suffered in the volatile crypto market during the time I could not buy/sell/deposit/withdraw/ or access any of my assets... this is robbery with horrible customer service... I feel helpless and frustrated... and my family is at wits end as well.. 

A total loss of {$2500.00} of assets, that I can not recover for transactions that I did not authorize, also resulting in ( 2 ) NSF fees from my bank for ( $ XXXXeach ). Countless attempts to resolve these issues were not resolved in a two week timeframe...
Consumer complaint received 2018-12-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The information in a collection account on my credit history is inaccurate specially the date of first delinquency is too old, because it has been improperly aged by the collection agency, and Equifax doesn't remove it even after 3 trials for dispute! 

I have changed my address since XX/XX/2018, and I am sure that I have paid all received bills. Even my address has been changed, USPS is still forwarding all letters to my new address. 

This incident might be related to a most recent bill on XX/XX/2018 from a medical centre inside another medical center that I have paid the bill. I received it in my new address very late in XXXX, and I called them to send me a new discounted bill, because I have paid very similar service to the hospital where they are in. Meanwhile, I talked to my insurance for any adjustment. But it seems they finally gave it to a collection agency called XXXX XXXX XXXX ( XXXX ) without any notice. 

My concern is that XXXX did not send me any prior notice, and they just reported to my history to frighten me. By the law, " If an unpaid medical bill goes into collections, the collection agency must notify the consumer that the account was placed in collections. The consumer then has 180 days from the notification to pay the account before the agency is allowed to report it to the credit bureaus. Additionally, once a medical collection has been paid, the medical debt must be removed from the consumers credit report within 45 days ''. 

( 1 ) XXXX did not send any collection notice to me. 
( 2 ) XXXX altered the date of first delinquency. 

Anyway, I called XXXX to pay the bill as soon as I receive the notice. Meanwhile, I disputed the bill with all credit reporting agencies, because its information is inaccurate, and it hurts my score a lot, as I never had any credit issue. XXXX  and XXXX  removed it from my history, but Equifax did not even after 3 trials! 

Please investigate this incident and let me know what to do next. Thanks for your support. 

Sincerely,
Consumer complaint received 2018-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (SC)

An account was opened in my name with XXXX XXXX that I did not do! Ive disputed this several Times with no luck. Now its in with a collection agency. I want this removed cause its not mine. Please help me XXXX XXXX XXXX {$4500.00} Dates from 2015
Consumer complaint received 2020-12-11
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: EQUIFAX, INC. (FL)

I reach out to XXXX XXXX XXXX XXXX XXXX XXXX department as well as i made attempts to reach out to the credit bureaus to establish multiple dispute/good will letters, giving explanation of what happen to me in result of me falling behind on my auto payment but it hasnt been a very helpful process so im now reaching out to other agencies to get consumers resolution. 
In XXXX I was disanosed with XXXX  XXXX few weeks later then was admitted to hospital out of work for 3 months this is the only reason why I feel behind I apologize for the inconvenience, and I know that this situation is no ones fault but my own. I have enjoyed our business relationship and have made a renewed commitment to paying all my bills on time moving forward. I was wondering if you would be willing to make a goodwill gesture and remove the late payment from my credit reports. XX/XX/XXXX, XX/XX/XXXX account # XXXX
Consumer complaint received 2022-07-21
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. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a record that requires UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested record is settled. 


XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-05-04
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 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 2024-02-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Buffaloe & Associates, PLC (TN)

I have reported and been working with the federal trade for identity theft. This debt originated from XXXX XXXX  XXXX it states however XXXX XXXX took over and now buffaloe & vallejo. I do not know who opened this account when or why it was opened. Also it is under the last name XXXX which I have not had since 2013. I have contacted XXXX XXXX  XXXX, they state that its handed off to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX they diverted me to buffaloe & vallejo which I asked to provide all documentation on this account and they were hateful and failed to do so. Now I have been served a civil warrant which I am XXXX!
Consumer complaint received 2018-12-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CIRN, INC. (OR)

Was told about two debts this company just received. I disputed the debt and asked to see proof of the debt. They did not send proof of the debt, instead they sued me in small claims court. After being served by the sheriff I received a letter listing the two debts. I sent a certified letter back disputing the debts. Now I just found out they won a judgement against me without going to court.
Consumer complaint received 2024-02-06
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: Experian Information Solutions Inc. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian Credit Bureau to validate this account ( A ). I hope this disputed account is updated. 

XXXX XXXX Account Balance : {$32000.00}.
Consumer complaint received 2021-12-22
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. (FL)

XX/XX/XXXX, I filed a dispute a dispute against XXXX XXXX XXXX, a debt collection company for non-compliance. The dispute was filed with XXXX XXXX credit bureaus XXXX, Experian and XXXX. It has been over 30 days the collection account is still reporting on my credit report. These accounts have been verified by XXXX XXXX XXXX as closed and should be deleted from my credit profile. These collection accounts should have never been placed on my credit report. The accounts have been paid by my XXXX insurance company. I would like each credit bureau to reinvestigate the dispute or contact the collection agency to verify the status and delete the accounts as soon as possible. XXXX XXXX 's XXXX confirmed payment for date of service XX/XX/XXXX.
Consumer complaint received 2021-09-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NJ)

On XX/XX/XXXX I reported unauthorized transactions I was told to disable my account transactions Its so and I had scheduled for a new card to be sent to me the following day I woke up with a email saying my account has been suspended or closed and then I needed to submit documentation all of the documentation has been submitted and they said that it would take one business day after documentation to be submitted for the account to be unlocked well its been 24 hours and they still have not unlock my account have not responded to emails Ive called about 50 times an email about 14 times with no response and I need access to my funds and they just dont wan na answer nobody