davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

Hi guys, re : CoinBase.com Opened an account today ( X/XX/2018 ) and verified with my passport and linked my accounts. Made my first test purchase for {$100.00} and all was ok and had the purchased Bitcoin in the account with them.

Later on, I went to add my personal home address to the account section of their site and when I did this and pressed save, it redirected me straight away to an account closure page for simply no reason. The account is locked and I now have to extract the money somehow from them.

After trying to contact them with no luck and also reading through what seems like an endless number of cases of the same thing happening online I wanted to file a complaint.

I appreciate your help where possible.

Sincerely Their note as below : " Unfortunately we have had to close your Coinbase account. Before your account can be closed, you will need to withdraw your funds to an external wallet and any other funds to an attached bank account. Please be sure to delete any references to digital currency addresses generated by Coinbase, as funds sent to those addresses will not be retrievable once the account is closed. If you have any questions you may visit https : //support.coinbase.com. ''
Consumer complaint received 2017-12-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (WA)

My parents house has been called constantly from XXXX XXXX for collection of my credit card bills. I am not registered at their home address, nor do I live there and I do not share a phone # with them. My mom does not speak english as a first language but has told them, I do not live there and stop calling. She is STILL receiving repeated calls from XXXX XXXX to collect my debt. I need this to stop now. I have more than one account. I hope they can apply to all my credit cards through this bank. 

Thank you.
Consumer complaint received 2022-02-28
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 (CA)

XXXX XXXX debited my account on XX/XX/XXXX for the amount of {$140.00}. Also, XXXX XXXX XXXX debited my account on XX/XX/XXXX for the amount of {$85.00}. These are both unauthorized transactions. I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to each lender on XX/XX/XXXX. 

I called Bank of America 's dispute phone number at ( XXXX ) XXXX. Each Customer Service Representative that I spoke with denied my request to dispute the transactions on my debit card. Each CSR insisted that I contact the merchant first. The thing is I've already tried contacting the merchant. 

According to the CFPB, QUESTION 7 : If a consumer provides notice to a financial institution about an unauthorized electronic fund transfer ( EFT ), can the financial institution require that the consumer first contact the merchant about the potential unauthorized EFT before the financial institution initiates its error resolution investigation? 
ANSWER ( XXXX XX/XX/XXXX ) : No. A financial institution must begin its investigation promptly upon receipt of an oral or written notice of error and may not delay initiating or completing an investigation pending receipt of information from the consumer. See Comments 11 ( b ) ( 1 ) -2 and 11 ( c ) -2. For example, in XXXX XXXX, the Bureau found that the practice of requiring a consumer to contact the merchant before initiating an error resolution investigation was a violation of Regulation EXXXX Similarly, the Fall XXXX edition of Supervisory Highlights discussed instances where examiners found that one or more financial institutions had instructed consumers to contact the merchant instead of promptly initiating an error investigation.
Consumer complaint received 2019-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have sent the company letters contact the credit companies call the company advise them of the fraud also the company is aware of the identity theft i know it is hard for companies to figure out who is the right person calling in because the fraudster has the same the information but i have done my part the best i can this account needs to removed and blocked
Consumer complaint received 2020-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

On XX/XX/2020, I received a notice on my credit report that I owed {$1300.00} to Phoenix Financial Service. Original date was XX/XX/2020. Due to my XXXX I often fainted at work, or was incoherent or confused, and would be taken to the hospital without my consent, however I do not remember being taken by ambulance to the hospital. I do believe this charge is incorrect.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OK)

In XXXX i got my car finance the information they put on the account for the credit had the wrong social come to find out out it was another female they then called me about three months later called telling us the information on the social card is incorrect. I then went and got my Social Security card updates with the correct information called back and told them all the new information for them to now have fixed it. Today XX/XX/XXXXXXXX  I now have a fraud on that loan and I cant go any further with it.
Consumer complaint received 2017-12-05
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

As of XX/XX/XXXX, I had uploaded and mailed the proper documentation to Equifax to show that I was a victim of identity theft. I had submitted a police report as well as an FTC report showing the items in question. Equifax has failed to delete several of the fraudulent items. The other two bureaus have successfully removed the fraudulent items. XXXX states that if the disputed items are not showing on your report at the time of the report printing, the items have been deleted. This information is circled for Equifax to see on their reinvestigation letter. Attached is proof of this activity. I demand for Equifax to remove the derogatory information from my file for failure to recognize the identity theft steps I was given by the identitytheft.gov website. Please refer to the attached police report for full deletion information : The items in question that still need to be deleted are : XXXX XXXX : XXXX : XXXX $ XXXX : XXXX $ XXXX : XXXX $ Inquiries : XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Premium : XX/XX/XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have consistently made payments on time for this account, and it is causing me immense stress to see an incorrect late payment entry. I have never missed a payment and am deeply committed to maintaining a spotless payment record. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully request an immediate correction to my account and hope you understand the urgency of this situation. Thank you for your prompt attention to this matter.
Consumer complaint received 2021-02-08
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: ALLY FINANCIAL INC. (CO)

I am an Ally Bank customer ( digital bank ). Since there are no physical locations, and I needed a cashier 's check to make my first payment for an apartment, I ordered a cashier 's check over the phone. When I began the process, the agent confirmed my account, including my address in Colorado. I have lived at this address for over 6 months, and I updated my address with Ally Bank at that time. Previously, I resided in XXXX, OK. After confirming my Colorado address, the agent finished the process of sending me the cashier 's check made out to the apartment complex, and I paid for expedited shipping because my move-in date was about 5 days away. The day before my move-in, when I had still not received my check, I called Ally and they gave me the tracking number. This revealed that they sent the check to XXXX, OK. The agents I spoke to that day confirmed that this was entirely their error. The address on file was the correct Colorado address ; however, their cashier check system is a separate system that was not updated on their end, and somehow even though I confirmed my address with the agent, she must have still used the Oklahoma address later on in the phone call without ever notifying me of the same. Ally is refusing to refund the money and is requiring a notarized affidavit from the payee who is not willing to do so. The loss of this check is 100 % Ally Bank 's negligence and fault as they have confirmed, yet the refuse to refund my account with the {$2600.00} they withdrew for the lost check.
Consumer complaint received 2017-12-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX, XXXX my spouse went to withdraw money from our checking account at Chase. Upon doing so, it was discovered that most of our money had been depleted from bot our checking and savings account. My spouse immediately went into the bank and notified them that 2 unauthorized transactions had occurred on our account. One was to XXXX XXXX in the amount of XXXX and the other was to XXXX XXXX in the amount of XXXX. The bank was informed that we do not have accounts with either of these companies and did not make payments to either of them. 
On XXXX/XXXX/XXXX, Chase granted us a temporary credit of XXXX while they researched our disputed claim. On XXXX/XXXX/XXXX, I was informed that they had researched our claim and that since the payment was made from our IP address, that they would be reversing the credit. Since I do not have accounts with either of these companies, I asked if they had disputed the charges with them. I was told that I had to dispute the charges myself. I attempted to dispute the charges with both XXXX XXXX and XXXX XXXX, but neither company can assist me without account numbers. Since, I do not have accounts with them, how can I dispute charges with out an account number. I am trying to get this information from Chase, but have not been successful!
Consumer complaint received 2021-11-26
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

Ditech has received 3 payments from us on XX/XX/2016, XX/XX/2016, and XX/XX/2016 on our new home loan. Payments that were sent in on XX/XX/2016, XX/XX/2016, XX/XX/2016, and XX/XX/2016 we were told that we had not made those payments. Just after our first payment was discovered that they did not receive, they sent us a check in the mail for that amount. Later after we repaid those funds and another payment and then got another check for {$5400.00}. I was told by Ditech that they switched everyone 's account numbers but we were never notified. When I did call, they did not have the correct mailing address in their system.
Consumer complaint received 2017-01-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IL)

We were formerly with Greentree, then they changed their name to Ditech. We have been trying to modify our loan since XX/XX/XXXX. We have submitted information multiple times, and have scanned documents to support this. I would be more than happy to transfer all of the documentation to you, but there is a LOT. We received a letter from them that finally after multiple faxing and sending paperwork in via certified mail on XX/XX/XXXX that they had finally received all of the necessary information. Then on XX/XX/XXXX we received another letter stating that our request was denied as " we had n't sent in all of the pertinent information. On XX/XX/XXXX we uploaded a completely new packet ( 3rd try ) and were told today that the file was closed on XX/XX/XXXX and that our account has now been transferred to XXXX ( a new company ) We want to keep our home. We are very delinquent, not because we have not tried to fulfill their requests, but rather because we are getting the run around. We have received letters every other month with a different account representative, and multiple requests for information that we already sent in and have fax confirmations of receipt. Any assistance you can provide would greatly be appreciated.
Consumer complaint received 2017-12-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (MA)

Recently received in the past week a personalized card from XXXX XXXX with my name that I did not sign up for or have any affiliation with. I tried contacting the company multiple times and through multiple different numbers and every time, I am prompted to enter my social security number. I am unable to take any action with this unfamiliar card including cancelling and reporting without giving them this information. I am worried that the company has my information and will affect my credit report. Also I was unable to cancel it on their website.
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

I have one accounts with Sam 's Club ( see attached documents ) for over 15 years. Many years we have had a good relationship with each other. I have never had a late payment with them until this crisis. 

I got XXXX  with the XXXX. Afterward, I went back to work and soon lose my job because of the Corona virus. I called the credit company and tried to keep them updated on my situations at least twice per month. It has been 9 weeks since I applied for unemployment in XXXX. I am still waiting to receive my unemployment money. 

The customer service people was not helpful or pleasant at all with my present hardship. I was told that there was no " Hardship program '', or help that they could give me to meet my present budget, lower my interest rate, or remove the high monthly late fee. I am still trying to work something out with them.
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I have Bank of America account The account has been open for over 3 years - I have only did one XXXX transaction the entire time- The account was been dormant for over 120 days and then XX/XX/XXXX - XX/XX/XXXX -Account was hacked with 7 different XXXX XXXX to different people over {$20000.00} removed from the account - No call from the Bank... They hacked my account Bank of America denied my fraud claim saying I allowed access to my phone and thumb print .... My phone doesn't have thumb print and I don't how they were able to verify... 

I feel like my REG E has been voliated by Bank of America and they have failed fraud procedures file a new claim XXXX
Consumer complaint received 2018-06-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FMA Alliance, Ltd. (OK)

Since XX/XX/XXXX, my wife and I have received 33 telephone calls / hangups from FMA Alliance. I finally spoke to them on XX/XX/XXXX, after researching the telephone number. The person did not identify themselves, but I confirmed that I was not the person they were seeking. I requested they stop contacting my home telephone number. 

Since XX/XX/XXXX, my wife and I have continued to be harassed by FMA Alliance. We have received 14 calls. I answered the call on XX/XX/XXXX, and once again requested that they stop harassing us since I was not the person they were seeking. This person also did not provide identification. 

Since XX/XX/XXXX, we have received 4 calls from FMA Alliance. However, these 4 calls have been from ( XXXX ) XXXX instead of ( XXXX ) XXXX, which has been used for the other 29 calls. 

Please help us make this STOP.
Consumer complaint received 2017-12-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I have an account with Coinbase and have XXXX Bitcoin in my wallet ( {$2300.00} approx ). On XX/XX/XXXX, XXXX Litecoins ( {$3500.00} USD ) were purchased without my knowledge or authorization. 

I contacted Coinbase customer support and they opened a case ( # XXXX ). They told me to change my password and then temporarily disabled my account so I have not been able to access my funds or verify the {$3500.00} purchase. The funds have been debited from my bank account. 

On XX/XX/XXXX, customer support sent an email -- they determined the purchase was made on my mobile device. Since, I 've removed the Coinbase app from my mobile device and changed all passwords. 

On XX/XX/XXXX I contacted customer support to unlock my account but they said it required an " analyst '' but had not been assigned yet. ( This does n't make sense since they determined the purchase was made on my mobile device and they had the IP address. ) To date, I 've received no communications ( phone or email ). I do not have access to my funds which now exceed {$7000.00}. I try to contact customer support but the wait time is over 30 minutes. Most times the line is cut after getting a customer support person on the line. 

I 'm very concerned that the price of Bitcoin and Litecoin may drop suddenly given the volatility and would like to cash out ASAP.
Consumer complaint received 2021-07-13
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: WELLS FARGO & COMPANY (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2019-11-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates (DC)

LJ Ross a collection agency has repeatedly reported false information to all three credit bureaus, specifically " re-aging '' my account, in violation of the FCRA. They reported that I opened an account in XX/XX/2018, that is absolutely false. I never opened an account with LJ Ross in 2018, and I opened no accounts in all of 2018. Most recently they placed a derogatory remark on my account which dropped my score 70 points, and will stay on my report for 7 - 10 years. This is beyond abusive and predatory tactics. 

Below is copied from my report : Opened XX/XX/2018  ( 1 yr, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Kohls collection account was paid in full for less than the full balance on XX/XX/2020. 
Creditor agreed that once debt was settled the tradeline will be removed from my credit report. The account as of today is still showing on all three credit bureaus as a charge off and shows the account status as closed an paid for less than the amount owed. Which was not the verbal agreement that was made with the collector. Kohls has failed to respond to my letters sent to XXXX XXXX XXXX XXXX The bureaus and Kohls receive two letters a month requesting to update my file and have failed to respond to my request within the 30 day grace period.
Consumer complaint received 2019-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (AR)

on XX/XX/2018 and XX/XX/2018, convergent went on my credit report without permission or just cause. validate collection asap. also, stop calling my landlord XXXX XXXX XXXX on his cell number ( XXXX ) XXXX or face class action litigation.
Consumer complaint received 2017-12-04
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: BARCLAYS BANK DELAWARE (KY)

There are many inquiries on my credit report that I did not authorize, XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX fromXX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX XXXX has multiple inquiries from XX/XX/XXXX-XX/XX/XXXXThis inquiries were never authorized by me and I would like them removed.