davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

My money has been stolen, Amount of {$6200.00} on XX/XX/2021 ( XXXX ) XXXX  from XXXX ( Case # XXXX ) Dear Sir/Madam When i was log in my coinbase account, i saw unauthorized transaction inside my account. I had USD ( XXXX ) in my coinbase account that someone used to buy /converted in XXXX ( XXXX ) WITHOUT MY PERMISSION THEN SENT TO NEW XXXX ADDRESS THAT I DONT RECOGNIZED. 
When i was logging in, i saw that pending transaction IN front of me in my account, i called coinbase number XXXX XXXX XXXX XXXX XXXX more then 5 times, no one answered my call and there is no support so unable to get help to stop this transaction right a way. 

Still calling them, they don't pick up phone, i emailed asking support/manager/supervisor/staff member phone and asked them to call me to address issue over the phone but they neither called me yet. 

I have sent email, They locked my account .received email back.in reply, they advised me to changed password, download security on device and talk with mobile provider for sim security then inform them to unlock my account. I follow all procedure but account has been locked, no access yet. 

Now i need to pay my bills, i need my all funds back as soon as possible. Please help. 
I was using authy  as 2 step account security as well .Its not easy to stole money from my account due to security layer ( Password+2 step authentication ) i don't authorize any transaction that happened on XX/XX/2021 after XXXX XXXX Texas time . 

Hello coinbase admin, Please do not advertise coinbase is secure hub for transaction. 
refund all my money that stolen from your account asap. 
Company needs customer service phone number that we can contact you. 
Waiting my account access back with my all funds as i leave in your financial institution in usd ( Not in XXXX ) Please note that, same time there was another unauthorized transaction happened but funds still available ( someone converted all my XXXX to XXXX, as well, that was not by me ). 

Thank you.
Consumer complaint received 2017-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (MI)

Discovery is going through with their threats ; I go to court at the XXXX XXXX XXXX XXXX XXXX, MI court on XXXX XXXX 2017 at XXXX in front of Judge XXXX XXXX , To put me in jail and take my home for not paying them for Discover transferring monies from my account to accounts in their cyber space!
Consumer complaint received 2018-07-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (OK)

The American Express Serve claim to offer cash back, & after redemption the system takes back more money than they offered! On XX/XX/18 the system offered {$2.00} cash back and the account already had fund in the available balance. Then on XX/XX/18, the account went up and down consistently for 72 hours! Going from a {$3.00} balance to a - {$2.00}. After being negative it went back to a positive {$.00}, and the back to negative! The balance was changing without fees, transactions and no pending transactions either! Called in to address system mistakes, and the supervisor " XXXX XXXX '' expressed he seen the discrepancies. This is after I provided all of the dates, times, & amounts in regards so it was basically me holding his hand throughout. While sitting in the phone for a two hour hold, XXXX expressed he was getting help from another supervisor and wanted to place me on hold again! The last hold was longer because he was clearly at a loss, & hung up the phone because I don't have another 2 hours to spear. Just called back " again '' and the escalating team refused to file complaints, and did admitted to this system issue. They refused to give me a timeline for a resolution and this is the customer service they are charging me for. The so called " escalation '' CSR refused to give names, use Id 's and neglect to acknowledge this has been a on going issue after pointing out other occurrences. Just a we're so sorry, over and over! Never cussed or yelled at anyone, because I work in a call center as well. Once most agents noticed the discrepancies, they hung up in my face so this totaled about 10+ calls. This ordeal took a full day and they still neglected to address/resolve the issue. Since these call centers are located over sea ; they have no regulations. American Express is based within the U.S and should held to our guidelines no matter where the call center is based. The neglect has been ongoing and it is time to hold them accountable ...
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

Citi card did not refund me the negative balance of my card. Originally they said refunds will take 3-5 business days, that did not happen, and then after taking with customer support after a week and no refund showing up, customer support refused to provide explanation and said keep waiting, with no timeline given.
Consumer complaint received 2023-01-27
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: American First Finance, Inc. (CA)

I file a dispute with XXXX XXXX XXXX and the XXXX reporting bureaus and did not received a timely response after multiple letters I sent I got a response that that a remark was placed on my credit. I was not provided with clear evidence of method of validation with regards to XXXX XXXX XXXX. They are reporting past the XXXX  year XXXX and have inaccurate factual/errors and have not removed from credit report as required under the XXXX law and within the required time frame.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

Experian is listing hard inquires on my credit report illegally. Be advised that multiple companies obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. 
Please mail me an updated copy of my consumer report within 30 days of receiving this letter. Should you not delete the above unauthorized credit inquiry, I may refer this matter to an attorney. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (IL)

I opened this store credit account to purchase a couch from XXXX 's XXXX XXXX on XX/XX/XXXX in the amount of {$890.00}. I made continuous on-time payments and eventually saw that fraudulent purchases were made on my account. 

After realizing this, I took care to contact Wells Fargo in XXXX to let them know of the fraudulent charges made. I spoke with a representative who made a report and claim on my behalf, and assured me I would be contacted back about this. Fast forward 2 months, and in XXXX, I notice more purchases made on this card which I had assumed was frozen/closed. 

I contacted Wells Fargo a second time to express my distrust in their security and also made another claim to let them know I had only ever authorized XXXX purchase in my home city. Who needs to buy furniture in XXXX different cities? 

I received mail stating that on XX/XX/XXXX, XXXX " miscellaneous debit adjustments '' were made on my account after I had formally closed it in XX/XX/XXXX. This tells me that my fraud claims were denied and dismissed. 

I called Wells Fargo again on XX/XX/XXXX and asked to reopen my claim. I have no faith that Wells Fargo will honor this, and I should not be held responsible for purchases I did not make. I can only hope that by making this report, I can deter anyone from using Wells Fargo 's credit lines offered in XXXX 's XXXX XXXX. Especially due to the fact that their store credit cards do not have expiration dates, nor CVV codes on the back to verify the cardholder 's identity. Anyone could simply guess a credit card number, and it would eventually be approved with no resistance. 

As luck has it, I'm in the middle of the process of purchasing my first home, and I am dealing with fraud at the same time.
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding LLC has listed as an {$460.00} collection on to my credit report. I have sent a certified letter to the collection agency, asking them to provide me with my signature, proving that the debt belongs to me, or to delete this reporting from my credit report.
They failed to do that, sending me the letter on   XXXX   XXXX   2017, without my signature, saying that they will resume the collection activity. I believe that they have violated FDCPA Section 809 ( b ) FTC opinion letter Cass from  XXXX .
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (VA)

Fortiva continues to not report my credit card data to all three credit!! This has been in existence for 17 months! Fortiva refuses to try to understand and or do anything about it! 
I have submitted complaints and Fortiva lies and says they have been working on the problem! They have not! My account is not even a tradeline for XXXX or XXXX! They just ignore this and as I continue to point out that updating a non-existent is not working! They have to establish Fortiva as a Tradeline for those bureaus but refuses to do anything about the problem! Can you please help me this time?
Consumer complaint received 2023-01-27
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-10-06
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights and confidentiality under 15 USC 1681. 

Account name : # XXXXXXXX XXXXt : # XXXX XXXX XXXX XXXX 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall it furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2020-07-22
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. (TX)

XXXX XXXX and transunion reporting wrong address that not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY 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 2018-07-09
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: Bread Financial Holdings, Inc. (IN)

I have a Total Rewards credit card thru XXXX XXXX. For several years I had a monthly payment to XXXX / XXXX XXXX local newspaper debited to my credit card. I have tried to cancel this paper since XX/XX/2017 by many avenues ... .left messages / message online to the CS / Messages to " contact us '' / Called directly & held on phone over 30 minutes with no one ever answering ... .just a revolving message to hold. I have disputed the monthly charges every month with my card issuer. Have messaged on the XXXX web page ... back & forth dozens of times & been told they would close card & reissue new one that the company can not debit ... .this was done twice & did not help ... ..the card issuer just transferred the debit to the new card number! Then a CS person would say changing cards does not help ... ..why do I get multiple answers from their CS dept .no one seems to know anything. The monthly charge was {$22.00} but went up to {$23.00} .... The most recent CSR said pay the full bill ( as I do each month ) less the amount I was disputing ... ..Bill showed {$260.00} .with a disputed {$23.00} amount ... so I paid {$230.00}. NOW they claim I owe the {$23.00} & also a {$22.00} ... .which was not on the last statement. Just received a message saying they have closed my account but the balance is {$45.00}!!! Said it will be reported to the 3 major credit bureaus ... ..I have excellent credit & will contact an attorney if someone can not protect my interests!!
Consumer complaint received 2021-09-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

Select Portfolio servicing. Will not work with us at all to lower our mortgage, or to save our home. After 2 XXXX XXXX  and then XXXX that my wife and I both had. They are trying to up our mortgage payment. They are like a predatory company at the worst.
Consumer complaint received 2018-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (AZ)

the complaint is against receivable performance mgt .. Upon review talking with XXXX XXXX .. who paid all bills concerning internet and XXXX XXXX ..According to XXXX XXXX ... XXXX XXXX been paid in full and that Receivable performance is not authorized to collect any debt relating to my account..That in fact the account is paid in full ... tracking # is XXXX conf # XXXX ... ... Further XXXX   failure to protect the consumer and allow a unathorized collection from a shady company like receivable performance mgt to harm my excellent credit ... what is clear this company Receivable performance violate federal and state laws from unathorized use of my Social security #., providing false information to a credit reporting agency, I hope your agency investigate this and refer it to criminal review thank you
Consumer complaint received 2021-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NY)

a Fraudulent company. Name Sequium www.sequium.com has contacted me in the form of an email to try and collect {$10000.00} from me. This is under investigation of 49 attorney general of the school XXXX XXXX University and collection agencies from all over all all trying to extort money from us, This is an 11 year old feud with XXXX this company as no right to send me an email I have no idea where they got my personal information. This issue is also under investigation my the state senator as well. This company has no right to send me anything. I want them added into the lawsuit for trying to collect an 11 year old dispute. They are the 7th company to try this.
Consumer complaint received 2022-04-04
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: Southwest Credit Systems, L.P. (AL)

I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
Consumer complaint received 2018-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (KY)

paypal for the last two months hasn't been withdrawing for my checking account like it is set to and chagrining things to my paypal credit card, even though the settings is checking account first, and in their own words if it wasn't set up it would do balance first, then bank, then paypal credit card and so on, they aren't not doing that., they replied back on the same complaint XXXX, on my their web site these payments to XXXX  XXXX XXXX XXXX and dollar shave is set to my checking account, the photos shows that and the old photos showed that also, and the still doing it.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX XXXX withdrew {$370.00} from my checking account XXXX times. XX/XX/2022, XX/XX/2022, and attempted to withdraw for a XXXX time on XX/XX/2022. I have never done business with this institution nor have I ever heard of them. The money was withdrawn fraudulently from my business checking account using my routing and account number. 
I called my bank... Bank of America and they have made the process of recovering my money extremely difficult and have treated me as if though I was the one who committed the fraud. I have not been able to get any information from my own bank nor are they willing to give me a temporary credit on my account until the issue is resolved which can last over 90 days. I called my bank for help and sat on the phone for an accumulated 8 hours while they transferred me from department to department. Every representative I spoke with apologized, but immediately washed their hands of me by transferring me yet again without any resolution or answers. 
Their investigation department does not speak with anyone outside of their own department so even Bank of America representatives can not obtain information. They do not make the process easy nor do they give their customers peace of mind while trying to resolve the fraud. The departments do not give a clear explanation of their process. Instead they insist the customer sits and waits while no one reaches out. 
Had it not have been for me sitting on the phone for 8 hours I would have not even know they received the claim I sent in. I filed my claim on Monday via email because they said that was the only way I can file my ACH fraudulent claim. Today is Thursday and I still have not received any correspondence from my bank which is why I have had to call and sat on the phone for 8 hours trying to get some sort of explanation on what happens next. I still do not have a clear explanation what is happening, their process or why they will not apply a temporary credit to my account while they investigate causing additional financial hardship to my household.
Consumer complaint received 2018-03-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

Today I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ca . ( Re : XXXX XXXX XXXX vs XXXX XXXX ) informing me that I owe {$2600.00} to the XXXX XXXX XXXX. When I called they informed me that it concerns a debt owed by me that went delinquent in 2005, 13 years ago. To be honest I don't even recall this debt. Can this company try to collect a debt, real or unreal after so many years? Can they hurt my current credit rating which is excellent? 
I am also wondering about the legality of this company trying to collect a supposed debt that's 13 years old. 
Kindly advise XXXX XXXX
Consumer complaint received 2022-10-06
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. (IL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected, consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Loan number XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Balance {$25000.00} XXXX XXXX XXXX  Account XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Account numberXXXX Balance {$19000.00} XXXX XXXX Account numberXXXX Balance {$12000.00}, all has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.