davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

My computer was hacked while I was away from it, they accessed my CoinbasePro and Coinbase accounts and stole all my funds. Total deposits into my account was {$20000.00}, but the value at the time of this theft on XX/XX/XXXX was lower, roughly {$14000.00}. Below are the stolen coin amounts and the addresses they sent to : BTC : XXXX sent to XXXX ETH : XXXX sent to XXXX LTC : XXXX sent to XXXX BCH : XXXX sent to XXXX XRP : XXXX sent to XXXX BSV : XXXX sent to XXXX XTZ : XXXX sent to XXXX They also initiated a transfer of {$12000.00} from my bank checking account into my Coinbase account to attempt to steal that as well, but luckily I was able to call XXXX  XXXX XXXX and do a Stop Payment so the transfer didn't go through. They had to transfer all my funds on CoinbasePro into regular Coinbase to steal my funds without my phone. They accessed both my XXXX and XXXX email accounts, but likely deleted some emails from my Inbox and Trash folders. I tried getting with both XXXX and XXXX but they were unable to recover any lost emails. I do still have a couple emails they left behind for the XXXX, XXXX, and bank transfers, though I doubt those are useful. I still have the laptop, in basically the same state as after the hack, in case that's needed. I have yet to contact my XXXX  ( XXXX XXXX XXXX ) nor XXXX, as I've been waiting to hear back from Coinbase all this time. They've finally gotten back to me basically saying there's not much they can do, but will cooperate with any and all investigations. I can provide screenshots of the criminals ' activity on my machine as well as the actual laptop itself as I said, and I can also provide the full email string with Coinbase which has more details. My fiancee XXXX XXXX was with me that night while the hacking and theft was taking place. I filed Police Report Case # XXXX with my local XXXX XXXX, FL Police Department though I believe they closed it saying there wasn't much they could do. 

As I told Coinbase, thank you very much for your understanding and thorough investigation and attempt to get my funds back please. As you may imagine, I am severely traumatized by this, not just with Coinbase/Pro but in many other ways, as well as my family and friends. I am not some big rich person trading constantly, just a regular guy who bought and was holding as a long-term investment, trying to save to buy a house and for a wedding with my fiancee, I also need a car, and they just stole so much from me. It's embarrassing to sound so pathetic but I am begging for help. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have no knowledge of these accounts or applying to these accounts. 

Dear Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-03
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. (FL)

In accordance with the Fair Credit Reporting Act, DEPT OF ED XXXX account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. XXXX  account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX  account number # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX BANK # XXXX, XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # 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 that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

PORTFOLIO RECOVERY A ( XXXX XXXX XXXX ) {$1000.00} and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX CARD ) {$340.00}. have been reporting to my credit report. I have never opened account with XXXX XXXX and XXXX XXXX. I have called and no response. I have a FTC Affidavit.
Consumer complaint received 2017-06-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (OK)

I have been a custom er of CitiMortgage  since  XXXX  on my mortgage.   I have NEVER had a late or missed payment. Payments were auto-drafted and never had a problem from  XXXX  to  XXXX .   My mom got sick and I had to move in with her to help. I could not afford to keep up  XXXX  houses. I contacte d CitiMortgage about selling my house in a short-sale, as I had a buyer and contract. I had 4 extensions on the contract to sell my house due to CitiMortgage 's inept system. I was told that " bankruptcy cases were worked first before short-sales, '' so my file was not as important. My buyer was put on hold for 13 months. He really wanted that house because his brother lived next door. I was in constant contact with CitiMortgage and did everything they asked for promptly. An appraisal they requested listed much false information ( wrong county, wrong information about my house ) which I caught. I asked that it be corrected which took several months and phone calls. Then I was told that CitiMortgage hired new workers and they had to go to training. More months went by. CitiMortgage sold my pap ers to  XXXX   XXXX  Mortga ge   ( Loan No   XXXX   ).   XXXX  Mortgage wanted me to start the process all over again. After 13  months of waiting on CitiMortgage, I was forced to file bankruptcy. Meanwhile, CitiMortgage continued to charge me interest on my house loan for 13 months when it should have only taken 3 months for a short-sale approval. My realtor and mortgage lender for my buyer are furious!!! Several months into the process CitiMortgage 's representative warned me that it could take several months longer if I insisted that this be handled through attorneys. So I waited it out.    It appears that they made money by making my life miserable, along with my buyer, his mortgage lender, and my realtor.   After  XXXX  Mortgage asked me to start the process over, I could n't do it emotionally or financially. My house is now in foreclosure and I have filed bankruptcy. The amount  XXXX  Mortgage attorneys say I owe is {$81000.00}, which is severa l thousand dollars more than it should have been. I take the financial hit, my realtor has over a year of wasted time with no money received for her work, my buyer has no house after waiting for 13 months, and his lender has wasted time without any punishment for CitiMortgage. Incredible!    Who can make this better? Who has the power to punish the big companies?
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MO)

I was made aware of a sign up bonus of XXXX for {$3000.00} so I purchased a XXXX XXXX. I never got said bonus. I tried to get help via their in chat help service and was told I spent {$3900.00} but my promotion was for {$4000.00} and XXXX points.Two Supervisors did not resolve the matter. I was then told on the phone with a love person my promotion was actually {$4000.00} and XXXX points but that I only spent {$3500.00} and I couldnt speak to a supervisor because I had already spoken to 3 ( I only spoke to two, in a chat room ) supervisors. I then notified them I would be filing complaints and hung up.
Consumer complaint received 2020-07-21
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CO)

XX/XX/2020 - I was notified by the XXXX XXXX U. S. Bank branch that a woman in XXXX  was standing in their branch impersonating me. She stole {$1500.00} from my savings account. The suspect was not stopped by the branch and police were never called by the branch. I live in XXXX. I filed all the necessary fraud paperwork per U. S. Bank rules. I submitted it to their fraud dept and to both my local branch and the branch where the crime occurred. I contact both police depts and filed reports. U. S. Bank is now refusing to give me my money back. I worked so hard to earn my money. How can they victimize me again and steal my money. Is it legal for them to refuse to give me my money? Help me please!!!!! I have bills to pay.
Consumer complaint received 2021-03-03
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 have disputed my XXXX account with Experian back on XX/XX/2021 providing documentation that XXXX has a class action lawsuit for bad business practices and predatory lending that forgave ppl who had loans from XXXX. I also added that I had a loan with them during that time frame and was a victim. They responded by providing me with a drafted general response basically saying they would leave it up to the debt furnisher. I wont believe this was done I because if it were XXXX would have not denied the class action lawsuit and their obligation to remove and or forgive the loan. I believe this was sent to XXXX to verify if the debt was mine.
Consumer complaint received 2020-07-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

To whom it may concern, I wish to complain about a horrific encounter XX/XX/2020. Yesterday evening, I called Portfolio Recovery Associates @ XXXX Eastern Time. I contacted Portfolio Recovery Associates to try and negotiate a collection debt and I was made aware that what I was trying to pay can not be accommodated. I then asked if I can have any contact information for the CEO, XXXX XXXX of Portfolio Recovery Associates. Instead I was transferred to one of the managers on site that was completely and utterly disrespectful. This " manager '' was very discourteous and unfortunately I was unable to get his name. When I asked to speak to his manager he told me was that he will not forward my call to his manager whose name is " XXXX XXXX '' and hung up on me. I have never in my life encounter such disrespect and felt so LOW in my entire life more so during times like this. 

I am a single mother and struggling financially. I want to change my life around and build and set new goals. I am looking to eventually start saving for my future home buying process for my XXXX XXXX and I. So I decided to start at Portfolio Recovery to clear these accounts instead of filing for bankruptcy. I hope that this problem gets resolve and pray and hope that no one gets this type of apathetic experience like this ever again. I sincerely hope that there is redemption and am pleading for such consideration for how your staff made me feel and my dignity. If any additional information is needed, please feel free to contact me at any time. Thank you for the time you spent reading this letter.
Consumer complaint received 2019-06-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Would you please provide to me this information regarding my mortgage.

What date do my mortgage has been sold to you and what was the balance that has been transferred to you. please break down the balance of my mortgage into two balances.

1. Deferred principle {$280000.00}. who you purchased from or transferred from.

please provide to me a full name of seller or transferee, also provide to me the dates of those transactions.

2. interest bearing principle {$41000.00}. Who you purchased from or transferred from.

please provide to me a full name and Address of the seller or transferee., also provide to me the dates of all transactions.

3. please provide me the audit or verification those balances mentioned the above done by the clearing houses.

4. please specify if these balances has been transferred as one or seperate dates and transactions.

5. please provide all the assignments in my file.
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

On ( XXXX, XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
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 — Their investigation did not fix an error on your report
Company: AFNI INC. (MA)

On ( XXXX, XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX  XXXX. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2020-07-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (TX)

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under AFNI  , Inc. and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as AFNI, Inc.had not responded nor was the account reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
Consumer complaint received 2016-07-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I deposited my paycheck to my checking account at Bank of America, in the amount of {$1100.00}, on Friday, XXXX XXXX, 2016, at XXXX. On my receipt, it indicated that my funds would not be available until XXXX XXXX, 2016, at XXXX. 
Since I am the XXXX at my place of employment and handle the XXXX, checked our bank account when I got to work today ( Monday, XXXX XXXX ) and I see that the money for my paycheck was deducted from the account on XXXX XXXX, 2016. So, Bank of America has had my money since Friday, and will not let me have it until tomorrow at XXXX. I called my branch, and all they said was " it 's based on your relationship with the bank. '' I 've had this account for about a month, so what relationship? I asked her what they do with my money for three days and she said " we do n't have it. '' " Then where is it? '' I asked. " I do n't know. '' She said. Seriously? She also said, " Well, the check could still be returned. '' " Really? After you already have the money? '' This wrong and they should not be allowed to do this.
Consumer complaint received 2020-07-21
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (KY)

Have made several calls to company sent in my ID showing I never lived at the two address thats was receiving service at the same time i have also sent in prove that the address on the accounts have multiple different spellings of my name alternated
Consumer complaint received 2020-08-23
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. (FL)

I have experienced identity fraud in the past and have made countless attempts to prove that things weren't acquired by myself and thought those things were corrected. However as I reviewed by credit report I see that the very things I thought I did away with found its way to my credit history which I believed to be impossible. I recently inquired about a car and was denied and hired an attorney to educate and consult with me about this matter and to know that my identity has yet been used time and time again to get whatever these frauds wanted at their own disposal was just mind boggling. I don't understand how or why creditors does not have an identity verification process to prevent such fraudulent activities! I need these items removed, simply because I did not consent for any of these false items nor did I inquire about them!
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I just got a new credit report discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I dont reside at and may possibly be a old job or promos. Please delete the following addresses : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX The following numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I just got a new credit report discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I dont reside at and may possibly be a old job or promos. Please delete the following addresses : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (WI)

CHRYSLER CAPITAL Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.C.S 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Consumer complaint received 2020-05-04
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. (LA)

XXXX XXXX  XXXX XXXX has and is reporting inaccurate information on reports from equifax, XXXX, and XXXX. They are reporting inaccurate dates of last payment, inaccurate amounts of charge off, and inaccurate payment history. According to FCRA 623aB, a company if they choose to report to the bureaus must provide accurate information or they must remove the account because of inaccuracies. This company is in violation of the law. Attached are the highlights of the inaccuracies reported from XXXX XXXX  XXXX XXXX to the 3 bureaus.