davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

Coinbase took XXXX Ether from me claiming that I had a balance owed for another transaction. When I looked into my transactions both from my bank as well as on their website, I did not see any additional transactions that weren't accounted for. I only saw my Ether they had taken. My cryptocurrency matched what I paid for it. 

I corresponded with them on 3 occasions asking for them to provide me proof that I owed the funds, offering to pay the balance if they could prove I owed it and they never provided it. In fact they never even offered a meaningful explanation as to why they took the funds. They subsequently closed my account limiting my ability to view the account. Since they closed my account, I can't show screenshots of the transaction history. 

I looked into this on Crypto forums and it appears that they are commonly duplicating charges and not refunding the transactions. This occurred in the XX/XX/XXXX timeframe and they closed my account in XX/XX/XXXX. 

Linked is a XXXX article from XX/XX/XXXX where it appears this happened to many people. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

In my original complaint to Chime, I reported an authorized transaction made by a merchant I hadn't used in over a year, and stopped using once my trial ended. My chime balance was sitting at {$0.00} for months and unbeknownst to me, XXXX XXXX was still trying to charge my account despite not using them and cancelling my subscription. Once I discovered that XXXX XXXX had successfully overdrawn my account, that is when I decided to contact Chime. I explained that I did not have an overdraft feature on my account, so I'm confused how this transaction was even allowed to go through. The person I spoke to at the time agreed. They opened my dispute for me, the merchant was supposedly blocked, and my money was refunded within a few days. This happened several more times with this same merchant, each time I was promised that the merchant would be blocked. I found out months later that I have consistently had this problem with Chime and the merchant since XXXX XXXX Chime is unable to secure my account and Chime allows blocked merchants to steal money from their customers. How is it possible for a transaction to decline 14 times then be approved on the 15th despite being blocked and the account have XXXX dollars? This is not ok, and despite discussing this over the phone with customer service, my dispute was ignored and declined. I have included all the screenshots required to make a fair decision. I need to know how my first dispute was accepted but the second one, that was unauthorized in the same manner as the first one, from the exact same merchant, was proven to be accurate and a legitimate transaction??? Please look at the screenshots attached for further context.
Consumer complaint received 2019-10-29
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I accidentally sent a payment for my Capital One Credut Card that was returned for insufficient funds. I called on XX/XX/XXXX to rectify the situation and was told that my credit card account was closed on XX/XX/2019. I asked why I wasnt notified of this. The very polite phone rep told me she was " sure they sent me a letter ' She followed that with, " Oh ... It does look like no letter has been mailed, but the account is closed ''. I asked how I can make up the payment as this was my first missed payment. Capital One refuses to open said account again.
Consumer complaint received 2021-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Association has placed a debt collection on my credit report that is a result of fraud. I do not owe the debt and have no knowledge of it. I requested they send me documentation showing that I borrowed or entered into a debt with them and they have refused to. They asked me to verify my SSN and when I provide my SSN, they tell me it does not match their record and they refuse to provide the details of the debt. Yet, they have listed the debt on my credit profile and have or are causing me terrible adverse effects. They have provided a second SSN on my credit report which I do not own.
Consumer complaint received 2017-07-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (IL)

I am a former Well Fargo Dealer Services Customer. I have had my loan with them for 5 years without a problem. However, in 2016, I had auto insurance added to my car loan balance. I paid directly from my bank account the same amount for 5 years. I then began to get late payment notices and they began to add to late payments to my credit record. I contacted Well Fargo. I requested an investigation and I contacted the individual credit bureaus. I finally gave up as I only had a few thousand more to pay. The negative reporting of late payments tanked my score. I did not want the insurance and never requested the insurance. All of a sudden, I had unwanted insurance and bad credit.
Consumer complaint received 2018-03-27
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC. (NY)

It has been over five years since ECMC has first contacted me about a student loan debt that is not mine, that was the first time Ive heard about the 1987 debt, I have written many letters explaining the debt is not mine, and it may have been obtain through fraud, at my request they sent me a copy of the original contract and a default judgment, the SSN, middle initial, address and signature are not mine. I have never attended the school listed on the contract, they have created a computer generated document with my correct SSN and attached it to my name. 
I believe ECMC has continued to force this debt onto me for financial gain, which has cause me many pain and suffering
Consumer complaint received 2020-01-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (VA)

American Express, who I do owe money to, is calling my relatives and friends asking for me!! I have asked them not to do this and just this morning my brother called me to say they called him looking for me. This is extremely unethical and probably illegal?? 
This is the number that constantly harasses me and my family and friends. 
XXXX
Consumer complaint received 2017-10-13
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: DYNAMIC RECOVERY SERVICES, INC. (DE)

XXXX XXXX XXXX has been calling my wife and I for a account that was charged off back in 2006, For many weeks even after we told them they do n't have the right to harass or try to intimidate us over this matter and this matter was settled over 11 years ago and a number of debt collector ago where I made a offer to settle and clear the debt and never had further contact from any other debt collectors over the past 11years ; Now the XXXX XXXX XXXX have turned even more aggressive now we asked them to stop with the phone calls every other day and night for weeks on end ; They wo n't listen to our request and could only tell us that they are the fourth debt collection agency since 2006 that wanted to collect the debt even after I told I settled this matter and to cease and desist all forms of contact on this matter for it was settled 11 years ago and to leave us alone for the final time on this matter ...
Consumer complaint received 2017-10-13
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)

This is unfair, the two accounts listed on my credit file have been re aged by the credit reporting agency and both are inaccurate, untrue and can not be validated. 

XXXX XXXX XXXX # XXXX {$280.00} XXXX XXXX # XXXX {$3000.00} I have disputed these with a response back now stating XXXX X/2017 which is false information. These are outdated, inaccurate and needs to be removed
Consumer complaint received 2018-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AZ)

national credit systems claims I owe XXXX to XXXX XXXX. I do not owe any such debt. if anything I am owed a security deposit refund. no proof or explanation has been provided to verify any such ccharges or claim exist.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: JPMORGAN CHASE & CO. (IL)

In 2017 I deposited a check from a potential employer that turned out to be a bad check. I did not remove any funds from the my account after depositing the check and let Chase flag the check as insufficient. My issue is that even though I committed no crimes and took no money from the bad deposit, Chase has added my name to a registry of fraudsters/ or potential fraudsters. Every bank I have encountered since has flagged my account as high risk and potential fraud. Some have denied me an account, and I even had a bank hold my money for 30-60 days while they investigate me. I think it is unfair that chase can add my name to a list that prevents me from transacting without ever committing a crime. There is no accountability to them and they are able to keep my name in the registry indefinitely with no answers to me. They wont even provide the name of the registry that my name has been added to. This is violating my rights and prevents me from providing for my household.
Consumer complaint received 2024-03-15
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

Per the FCRA, as a " Federal Protected Consumer ''. I am now opting out of any and all Authorization. I the consumer my have given SELECT PORTFOLIO SERVICING, written, unwritten, verbal, non-verbal. Per 12 CFR 1022.24,15 USC 6801, 15 USC 6802, 16 CFR 313.7 and 16 CFR 433.3.Per Privacy Act We filed a lawsuits on XX/XX/2023 Case Caption XXXX XXXX XXXX SELECT PORTFOLIO SERVICING, Docket number XXXX. This has been an on going violation of my rights as a " Federal Protected Consumer '' and need to CEASE AND DESIST!
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (NY)

On XXXX XXXX is XXXX  year date when the New State Statute that antedates of a paid account can not reported on my credit report. All American express personal confirmed that they can not continue to report a paid charge beyond the first date of delinquency that was XXXX XXXX to XX/XX/XXXX XXXX year anniversary. I paid the full balance that resulted in a XXXX balance in accordance to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX ( XXXX ) ( XXXX ) ( iv XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - Fair Credit Reporting Act380-J - Prohibited Information. ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ;
Consumer complaint received 2020-01-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC (FL)

On XX/XX/XXXX at XXXX XXXX  a representative named XXXX called me stating he needed to verify my social security number for a business matter. I requested for him to disclose where he was calling from and he insisted that i needed to verify my social prior to. After explaining to him that he must disclose who and where he is calling from he stated it was credit control llc. He would not provide any further info regarding what the debt is. I requested he not call back. 

On XX/XX/XXXX at XXXX the same Representative called back requesting i verify my social again for a business matter. Again he did not disclose where he was calling from. He stated that he had my full social security number, my date of birth, and address. I told him if he had my address why have i not received any documents regarding said debt. He got annoyed and insisted that it was MY JOB TO UPDATE MY ADDRESS EVERY YEAR. I told him if he indeed has my info to send a debt validation letter and to not call back, that i would once received.
Consumer complaint received 2017-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (AZ)

I have tried to get a n Opportunity account with Wells Fargo bank - my employer. I tried to get one last XX/XX/XXXX in XXXX, AL. and to day in XXXX AZ. - both with WFB. <P/>this account is advertised for people with bad credit and bad history with banks which is me. <P/>they always got to a credit reporting agency and the info gained there from denes me the chance to open another bank account with my employer ... WFB.
Consumer complaint received 2020-08-19
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. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT AND HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2019-10-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Citizen 's one continues to call for some auto loan that is not mine. Over ten times I have explained that my number does not belong to XXXX XXXX and each time the promise to remove my number but they call one to two times per day except Sundays. I was told the number to call to get more information is XXXX XXXX XXXX.
Consumer complaint received 2017-07-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Numerous letters and appeals to SPS Servicing requesting loan modification or reduction in mortgage payment as I 'm financially strapped. They send the same paperwork repeatedly after I 've completed and faxed to them many times. They continue to say this is in process after 7 months. Calls have been placed, with the same statement of completing paperwork that was previously completed & faxed. They have my condo listed as vacant, I live here. I 've provided utility bills as proof.
Consumer complaint received 2022-01-06
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau in XXXX and now we are on XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AZ)

I had identity theft from XX/XX/XXXX to present with my adopted name and changed it XXXX XXXX XXXX, I change my name, as far everything was working for the good, then in XXXX XXXX finding out that someone wanted to a get house loan or personal for XXXX loan. At XXXX XXXX I login in to XXXX account fount out someone had change my name back to my adopted name XXXX XXXX XXXX, I took all XXXX credit reports and found out there was discrepancy on all three credit bureau so I was directed to the Federal Trade commission with this problems, They help me in a big way, I only had problems with XXXX credit Bureau, Everything was taken off in the credit report, that was supposed to including XXXX account associated with my old name XXXX XXXX XXXX which are in good standing, the only XXXX associated with my new name with XXXX XXXX XXXX XXXX : XXXX & XXXX XXXX XXXX
Consumer complaint received 2021-09-09
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2021-04-22
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: Experian Information Solutions Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Name of collection/charge off accounts ) that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

We discovered today that we have been charged a $ XXXX  monthly service fee since XX/XX/2021 without any notification. The terms of our account with Bank of America state that if we keep a minimum of {$3000.00} in the account we would not be charged any fees. We received no notice of any change to these terms. We requested a fee reversal of {$160.00}. Bank of America stated that they would only refund {$16.00}. We requested an escalation to a manager. The request was denied by the manager. As there was no notification of a change to our terms, this fee should be reversed.
Consumer complaint received 2021-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been the victim of identity theft. Based on the review of my credit report, the following inquiries were not authorized by me : 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 2019-10-29
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 (GA)

On XX/XX/XXXX I started a dispute through XXXX XXXX for Capital One falsely reporting my account as being 30 days late. 

That was inaccurate. I made a payment on XX/XX/XXXX that was returned I forgot to update the account information. I made the payment again on XX/XX/XXXX. The payment was only 10 days late. Not 30. I called Capital one initially on the XXXX or XXXX and spoke to a representative who said yes, it was in fact in error and I just needed to dispute it and it would be corrected. 

I disputed it through XXXX XXXX and the results came back as being accurate. I have the payment log on my transactions and can see the dates, thats inaccurate. When I called Capital One today, XX/XX/XXXX at XXXX the representative told me that I need to write a letter to dispute the inaccuracies of the reporting. This is not only time consuming but it has dropped my score dramatically. I should not have to go above and beyond to fix something that was falsely reported to begin with.
Consumer complaint received 2022-09-09
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: Debt Recovery Solutions, LLC (AL)

I have reported several times that the information reporting on my credit is incorrect in results of identity Theft. These accounts are still reporting on my credit to all three credit bureau please remove these from my account as this is affecting me to be able to buy a home. There are also addresses associated with my account that are not affiliated with me please have this removed immediately from my account. Every time I check my credit report things are constantly reporting that are not associated with me. I have filed police reports and also filed a complaint with the FTC. The following accounts are XXXX DRS XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX in the amount of {$290.00} XX/XX/XXXXXXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX {$870.00} XX/XX/XXXX