davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (MD)

I went on vacation to XXXX from XX/XX/XXXX to XX/XX/XXXX and when I got back CoinBase froze my account that had XXXX Ethereum coins worth roughly $ 55k at the time. When I found out they froze my account, because of my vacation I received a notice to submit my proof of residency and proof of citizenship. I tired emailing on XX/XX/XXXX with no response. There is no phone number to call. I tired submitting a ticket and provided all of the  required information. It has been over three weeks now and I have not received a response from the company. Over the last three weeks my account value has dropped significantly from $ XXXX. CoinBase has already cost me many thousands of dollars, please help me regain access to my account. I was planning on using the funds to replace the roof on my house.
Consumer complaint received 2023-01-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Collection Services, LLC (NY)

Im writing to dispute a bill of {$1300.00} ( the 2 XXXX  charges ) received from the Receivable Collection Service sent on behalf of XXXX XXXX XXXX. 

Prior to receiving this bill, I was not aware of the outstanding balance nor did I receive a bill from the medical office. Upon receiving the bill, I checked with my insurance company and was informed that I am not responsible for that full amount. 

When I contacted the collection agency afterwards, they agreed that i am not responsible for the full amount either. I was promised the amount will be corrected, but to this date I have yet to hear back. It has been almost 2 months at this point with no change has made. 

Therefore, I am formally requesting to have the Receivable Collection Service remove the balance of {$1300.00} from my account. Enclosed are a copy of the bill received and a copy of the insurance statement.
Consumer complaint received 2020-01-20
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: WELLS FARGO & COMPANY (CA)

mY COMPLAINT IS WITH XXXX REPORTING. MY REPORT HAS BEEN FILLED WITH INACCURACIES THAT I HAVE BEEN ADDRESSING SINCE XX/XX/2017. 
MORE RECENTLY XX/XX/XXXX. I AM A XXXX VETERAN AND LOOKING TO BUY A HOME FOR ME AND MY FAMILY. I HAVEN'T BEEN ABLE TO OBTAIN HOME LOAN BECAUSE OF ALL THE MISINFORMATION THAT IS LEFT TO MIS REPRESENT WHO I AM AS A RESPONSIBLE LIVE PERSON IN SOCIETY. IM AWARE OF MY RIGHTS, AND ID LIKE XX/XX/XXXX TO BE ADDRESS ES OF THE ERRORS THEY CONTINUE TO FALSELY REPORT.
Consumer complaint received 2017-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (FL)

On  XXXX   XXXX   2017  I had a balance of $ {$62.00}. Regions charged me  a OD FEE  of {$180.00} when nothing was ever in the negative.
Consumer complaint received 2017-06-26
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. (GA)

I have disputed multiple credit inquires on my report with the credit bureau multiple times and I am just not getting anywhere. I have spoken to all XXXX of the credit bureaus and to this day no one will assist me. I am disputing the following inquires as I previously have. I have no knowledge and did not authorize these inquires to my credit. I also have a fraud alert in my account and have had XXXX placed multiple times in the last year or so. I did not authorize the following inquires toy credit and have no knowledge of them : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (KY)

XXXX XXXX XXXX, is reaging an old debt for the amount of {$1200.00}. It is hurting my credit worthiness. It is stating the account was opened X/2017 and that is untrue. This is an illegal practice and it needs to be deleted from all major credit reporting agencies immediately. <P/>I called this company on XX/XX/XXXX and XX/XX/XXXX and they would not listen or try to resolve.
Consumer complaint received 2018-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (AZ)

American Express placed me on a financial review and told me they would close my accounts if I did not sign a form that would authorise them to ask the IRS for my last two tax returns. I informed the customer service associate that I can't provide that. I am XXXX XXXX XXXX, and have only filed one tax return because I have been claimed as a dependent for my entire life. 2017 was the first year I filed taxes, as it is the first year I have held serious employment. However, due to school and personal issues, I used a lot of time off and my income last year was not as high as it is supposed to be anyway. My accounts are nearly maxed out, and if American Express closes my accounts, my credit will take a massive hit. I am planning on moving in with my partner into a new apartment in the next couple of months, and I will not be able to secure any kind of lease if American Express does this kind of damage to my credit report. I have been responsible and have never missed a payment, and this is the first time I have ever maxed out my cards, so I do not feel like I deserve to be treated this way. I have the ability to repay my debts over time, but I don't want American Express to cause catastrophic damage to my credit report by closing it without good cause, and still be required to pay off the closed accounts.
Consumer complaint received 2017-06-10
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: EQUIFAX, INC. (NC)

On  XXXX   XXXX   2017   XXXX  checked my credit without my permission. I do not have service with them and have not for the la st 5 or s o years. I received an alert from my credit monitoring service and immediately called  XXXX . The first representative said it would be removed within 2-5 days. I called back since it was n't removed and was hung up on. I called again and requested a supervisor. When he came to the line I explained the situation again. After several moments of silence he blind transferred me to equifax knowing they were closed on Saturdays
Consumer complaint received 2017-06-26
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. (GA)

I have a charged off account that appears on my credit report the issue is the same account is listed by two different creditors. The account is listed under XXXX XXXX and XXXX XXXX. I  opened the account with XXXX XXXX In 2016 The account was transferred over to XXXX XXXX The account is now past due and instead of one company listing the debt both companies are listing the debt making it appear as if I owe two different companies. I have tried correcting this with no response. I only owe one of the companies for this listed debt. Under the FCRA my rights are being violated. I am requesting that either XXXX XXXX or XXXX XXXX remove the debt until than I can not rightfully pay the debt because I do n't know which company it belongs to. Both companies are saying they own the debt. This has negatively impacted my credit in a huge way. I have been denied housing due to this. I am asking that this information be updated on my credit file asap.
Consumer complaint received 2017-06-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (MS)

XXXX   XXXX     2017  and  XXXX   XXXX     2017  Asked for original Creditor and name but was told they could not give it to me. I then asked for a Validation letter but have n't received one yet. I talked to a representative by the name  XXXX . I wanted to get the original creditor name and address from this company because they would not negotiate.
Consumer complaint received 2017-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I purchased some items on XXXX and used a new comenity account. I want o make payments electronically. When you go to the comenity sight they require your checking account information i.e. Routing number and account number. I will not for security reasons give that to anyone. I wanted to make a full balance payment using PayPal. I had already agreed to go paperless before I found this out. If I ca n't pay it electronically I wo n't pay it for safety.
Consumer complaint received 2017-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc. (CA)

I returned all XXXX equipment in 2015 as the attached receipt shows. The collection agency Stellar Recovery has never validated the debt or attempted to contact me about this erroneous collection. This company is highly disreputable since they are knowingly using false collections and information to hurt ordinary Americans.
Consumer complaint received 2017-06-24
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: BMW Financial Services NA, LLC (CA)

BMW claims I have or had an account that I do not recognize. I further state under penalty of perjury, that I do not owe BMW Financial any money. I have already completed and submitted an Affidavit and Police Report. The purchase contract sent to me by BMW shows not my signature, nor the correct address which should be obvious that there is something very wrong.
Consumer complaint received 2017-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Since   XXXX   of   XXXX  , I have been sending certified letters regarding   XXXX    XXXX  via the credit bureaus asking for validation and verification of several accounts that were listed on my credit report. I asked for copies of the applications with my signature proving these were my accounts. I always received a letter from   XXXX    XXXX  asking for clarity of my dispute, I could n't be any clearer. This is what I stated in my letters : Under the Fair Credit Reporting Act , 15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.  <P/> If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) (  A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing the m to 3rd par ties you are damaging my reputation and credit worthiness.  <P/> Under the FCR A 15 U.S.C. 1681i, al l unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.  <P/> The credit bureau continues to send updates stating the accounts are " verified '' and have neglected to provide any documentation and are in constant violation of the FCRA.
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I have supplied hundreds of documents all attached on several occasions to work out a payment plan, I have offered to pay the company {$2500.00} a month as a fair and reasonable monthly payment plan on my Mortgage, they will not modify, and will not refinance, they are just forcing a foreclosure, the house is underwater. My first mortgage interest rate is 6.5 %, my  Second  Mortgage interest rate is 8.5 %. If the rate was more of the  country wide sta ndard of approx. 4.75 % it would be more manageable. Please help me.
Consumer complaint received 2022-08-10
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. (MO)

I ordered a copy of my report in XXXX  on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX : {$2500.00}
Consumer complaint received 2017-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (MA)

Hi there, I applied for a Home Depot Credit card, got approved ( X/X/17 ) and received the card. Had it for 2 months, went to use it 3 weeks ago for the very first time and find out that it has been blocked. It had been blocked for 4 weeks according to the agent on the phone but nobody thought to notify me like any normal credit card company would do. I was told it was for fraudulent activity 1st even though it had never been used, then told that it wasnt fraud that it was something to do with risk, was told that it was a computer that put a block on it and not a person, then by the end of that conversation was told that there was a risk department called " black ops ''. Was then told that a supervisor had spoken to the manager of the risk department and that the supervisor would contact me back in 24 hours to explain what the issue was. A full 14 days later and no call from the supervisor. I call again today and was told by a manager this time that they can not put me through to the risk department, they can not give out the risk departments number, that the risk department may contact me by letter and there may be a contact number on the letter or they may call me instead. She said that they are a global company but are not connected to the risk department. So, as with my previous call I ask to cancel my credit card that I have never used. And they said that they can not do so until the risk investigation that they 've given me zero information on is complete. I feel like this is insufficient information on their behalf and I am concerned about how they are handling my personal/business information. This is my 1st time using Citibank NA and so far its been a negative experience. Why would anyone want to do business with a company that does n't contact you and you are unable to contact one of their specific departments, it just does n't make sense. Thank you for your time, Best regards,
Consumer complaint received 2017-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (IL)

I received a letter from FBCS Services dated XXXX XXXX XXXX attempting to collect a {$250.00} debt on behalf of XXXX XXXX XXXX. Not only have I never done business with XXXX XXXX XXXX in my life, but the letter is addressed to my middle name. I have not contacted FBCS Services, because this debt collection attempt is fraudulent, and I do not want to them to have my contact information.
Consumer complaint received 2017-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I cancelled my  XXXX  account and paid the final monthly bill many years ago. For reasons that still have never been explained, there were additional charges.  XXXX  decided I owed them money while I was living abroad and never once contacted me by mail, phone or email about a debt. I was horrified to see it on my credit report a year later and immediately paid so it would not further harm my ability to get approval for an apartment.  <P/> They agreed that because I had paid quickly and they had no record of phone or email correspondence that they would erase the notation from my credit reports. Instead, it remains on my credit report as a paid collection with all  XXXX  bureaus - Experian,  XXXX  and  XXXX .  <P/> To add insult to injury,  XXXX  made a hard pull on my  XXXX  credit report i n 2015. Th is was years after I had terminated my relationship.  XXXX  had no credible reason to view my account, and   XXXX    had no authorization to share it with them.  <P/> In recent months, I have had a credit card number stolen and multiple fraudulent inquiries and mailing addresses added to my credit reports due to the clear attack of identity thieves. For all I know, this inquiry was due to someone stealing my credentials and trying to fraudulently open the account.  <P/>  XXXX  and the  XXXX  credit bureaus continue to report misinformation on the old account and, in  XXXX  's case, the fraudulent inquiry.
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

I have been working on mitigation options wi th SPS sin ce   XXXX   XXXX   XXXX  . I have supplied all documents requested in a timely manner, however SPS is constantly asking for additional information, asking to re-send information. Then on    XXXX   XXXX   XXXX    they inform me that the review will be continue because the file was not received 37 days prior to the foreclosure which is currently set for  XXXX   XXXX ,  XXXX . The documents they requested were sent to them on  XXXX   XXXX ,  XXXX  and they failed to inform me that there was a deadline for those documents to be sent in. Additionally, I am not confident tha t SPS has  the legal rights to foreclose as they may have received the loan transfer after default nor can I find a recorded assignment of the deed of trust.
Consumer complaint received 2017-06-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Collection Services, Inc. (OH)

I was reviewing my Credit Report and I noticed a few account that I never done business with on my report from a CBCS # XXXX There are several reentries on my report. I am requesting a PROOF OF CLAIM or SIGNATURE.. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant
Consumer complaint received 2016-03-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (IL)

My debt was a parking violation at XXXX University on XXXX/XXXX/07. I paid the fine in full the morning I received the ticket. A few years later they tried to say I did n't pay it. I disputed it and it was removed from my credit report. I just received a letter in the mail from a debt collector that states the fine is their hands. Is n't this illegal? Does this fall under re-aging? I called the debut collector and explained my situation. I told them this was over 9 years ago and my documents have now been destroyed, but the debt was paid. They want me to mail the collection statement back to them with a written reason why I 'm disputing this charge. It 's a {$30.00} debt and I could pay it ... But how many times should I have to? 

Thanks!