davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. (MI)

I purchased {$200.00} worth of Ethereum totaling XXXX ETH after fees off Coinbase. There was an error and I received an email cancelling the order. The occurred on XX/XX/XXXX. My bank account was debited {$200.00} and the charge is not reversed. In my transactions, I see the amount purchased and another event called " Sent to coinbase '' showing the purchased Ethereum transferred out of my account. Coinbase has not responded since.

Case # XXXX.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX  : You've CLOSED these complaints THREE TIMES IN A ROW, WITHOUT properly vetting, verifying and reporting any final outcome : THAT'S AGAINST THE Fair Credit Reporting Act!!! Plus : I've SPECIFICALLY ASKED YOU NOT TO CLOSE THIS COMPLAINT, NOR the other two before this. I will be forwarding THIS too, to my counsil, your operations department at you headquarters, and social/non social media. Your FTC case number is : XXXX XXXX  : Last week I filed a formal complaint through your escalations team ( Task Force ) at your CORPORATE OFFICE. Why you've closed this complaint BEFORE they've reached THEIR findings, is beyond me. You probably didn't even know that a formal complaint was filed at corporate??? ... I also filed your inability to remove things that are NOT mine, INCLUDING an UNATHORIZED UNDISCLOSED PERS ON on my credit report, that PROHIBITS YOU from removing any UNAUTHORIZED persons or things ( like fifty inquiries from the year 2020 ) doesn't even make sense to a child!!! I've also filed a report with the FTC about you : XXXX. So : 'YES ' ( XXXX ) YOU DO HAVE MY PERMISSION TO INVESTIGATE AND ERASE ANY PERSON 'S NAME REQUESTING AN INQUIRY, OTHER THAN MYSELF : XXXX XXXX XXXX Or if it's without the hyphen ( dash XXXX it'll be : XXXX XXXX ( with both last names ran together ). You're continuing to break the LAW allowing for ANYONE other than myself to even be ON MY CREDIT REPORT!!! 

TransUnion : Thank you for investigating all the year 's 2020 inquiries. Thank you for not only abiding by my wishes, but for doing your best to UPHOLD THE LAW!!! You were NOT reported to the FTC. Nor were you reported to any of your corporate offices.
Consumer complaint received 2020-06-03
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Lockhart, Morris & Montgomery Inc. (NC)

This account was reported to collections and posted on my credit report as derogatory without the initial company, XXXX. XXXX even contacting me first. I have disputed this account on multiple sites asking for basic information supporting this debt such as but not exclusive to : a copy of the written agreement entitling me to pay the original creditor, a copy of the last billing statement sent to me from the original creditor, a copy of the exact amount from the original creditor before it was sold to a collections company, and a copy of the original creditor writing a statement entailing when the debt became due and when it was being sent to collections. Im requesting documentation that literally proves the accuracy of this debt to no avail.
Consumer complaint received 2021-11-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (TN)

Hello, most noble officials! I have had the measure taken to close my account with XXXX XXXX, which I am happy with. My issue is that when I called today, the XX/XX/XXXXto their customer service line at XXXX, I was told that I could not receive a confirmation via email of my closure. I knew that was not right, so after calling back again at XXXX, which was not supposed to happen, I had to wait 16 minutes for a resolution. This comes after an agent mocked me on the phone when I replied to her statement about her auditory difficulties. She said that she could not make out what I was saying, and I simply replied that I had full bars for a signal. She continually said she could not hear me. Finally, she transferred me after a hassle supreme. Everything is good, but their reps need a little fine-tuning with the customer side of things. Play with your own time, you know? Thank you...
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

My identity was stolen several years ago. Police report completed and sent to all Credit Reporting agencies to freeze my credit inquiries. The three have done so. 

When I need to lift a credit freeze TEMPORARILY, I could do this on line at my convenience. Unfortunately Experian requires my call to them to lift the freeze. 

The challenge is that I can not get through their telephone prompts and automated answers to get to a customer service representative to do so. The prompts leave me in a closed loop with no way to get to a person. 

Please help. This is hurting me and my financial activity
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ALLY FINANCIAL INC. (FL)

I recently noticed that I am a victim of identity theft, and I am requesting an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit information or applications will be approved or issued until the lender first verified my identity.Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS
Consumer complaint received 2022-01-11
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. (PA)

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 TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX XXXX. And now we are in the month of XX/XX/XXXXXXXX  and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Recently I received an overdue notice on my Bank of America credit card, which I thought was strange since I'd set up automatic payments. I spoke with someone by phone who kindly reversed the late fee and interest charges. I asked her how much I had to pay to pay off the card. She told me and I set up an automatic payment. When the funds didn't leave my XXXX XXXX checking account after a couple of days, I checked and saw that the automatic payment had defaulted to come out the following month, XXXX, when my next bill was due -- even though I was already overdue for the current month. So I set up another automatic payment, this time to come out the same day, XX/XX/XXXX. Then I called Bank of America to cancel the card. I'd had enough of this bank. The person I spoke could not see any pending payment. I told him I saw on the website that the payment was being processed and he said that it would be applied tomorrow in that case. 

That was yesterday. Today I received a text about debt collection, saying I was overdue. When I logged in the payment was still in process and there was red text everywhere about how late I was. I called again and was first passed, for some reason, to the fraud department, then to someone in the digital world, who said she couldn't see my pending payment even though I HAD A BANK OF AMERICA CONFIRMATION NUMBER RIGHT THERE ON THE PAYMENT SCREEN. The only way I could ensure the payment would go through would be if I gave her the RTN and account number over the phone, which I did. 

I asked her if by some miracle any of the other payments I'd scheduled managed to go through, would she refund the money and she said yes, she'd refund it to my checking account ( and not the credit card I happily cut in two ). So that's good! In the meantime, I wasted far too much time on this and I'm worried that I've been reported to a credit agency. I don't keep running credit card balances and I recently had a perfect credit score. That needs not to change. I want proof that this late payment has not been reported to a credit agency -- and if it has, I want a correction sent out. 

XXXX XXXX
Consumer complaint received 2021-11-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (MD)

On XX/XX/2021, I received a U.S. BankReliaCard debit card in the mail. The card was issued to me under the District of Columbia Unemployment Insurance Program. However, I've never filed for unemployment insurance and I did not open this account. I called US Bank to deactivate the card and report fraud. I plan to contact the D.C. unemployment office next to take my name out of their system.
Consumer complaint received 2021-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

Well its been actually a few years this problem has been going on. I have sent all credit agencies XXXX, XXXX, And XXXX  a police report about this loan being fraudulent. They still have't taking it off.
Consumer complaint received 2018-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (ME)

XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Service. When I was ready to pay my monthly payment, Carrington sated that my loan was " not yet in the system '' and I would receive " a welcome packet ''. I never received a welcome packet and my first correspondence with Carrington was a delinquency notice for the two months in which they were unable to accept a payment, plus a third. I made payments but got behind when I was in the hospital and lost work, the house froze and then flooded when thawed in this bitter Maine winter. I received a Notice to Cure but Carrington won't apply funds they have and won't accept any payments. Clearly, from the beginning, Carrington intended to take my house and the equity I built up over the past fifteen years. When the loan was sold, there were no late or missed payments to XXXX  XXXX XXXX. Carrington engaged in unfair business practices intended to set up the homeowner, me, to fail. The house is on the market for sale and Carrington will be paid in full, but I do not want it to go to foreclosure and lose all my equity.I 'm selling because I will be moving for work, but I don't want anyone to have to deal with Carrington Mortgage. I want to get caught up but they will not accept a partial payment or a principal payment and interest separately, or apply payments already submitted. this is unfair, cruel, and does not let people get caught up ; and, they set it up that way.
Consumer complaint received 2021-11-06
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a creditor of Capital One, XXXX XXXX XXXX. XXXX XXXX XXXX, UT XXXX. They still have on my credit report even though they were discharged in Chapter XXXX Bankruptcy in XXXX. I have tried to get the credit reporting agencies to remove them as well as the creditor but have not have had any success. The account was opened XX/XX/XXXX and closed XX/XX/XXXX.
Consumer complaint received 2021-01-28
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: Resurgent Capital Services L.P. (TX)

On XX/XX/2019 and XX/XX/2019. LVNV FUNDING LLC added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contact, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and claim its mine. According to the FCRA, LVNV FUNDING LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2018-04-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

When I tried to access my accounts online, I found out they were frozen. I attempted to contact Capital One via phone calls, email, letters and I have gotten EXACTLY NO RESPONSE from anyone from customer service all the way up to the CEO. 

No one has called me. 

No one has emailed me. 

No one has sent me a letter. 

I recieved no acknowledgements to my emails, phone calls or letters! 

This not how a bank is supposed to operate. I have a right to know what is going on with my money.

I called Capital One on XX/XX/XXXX, someone was supposed to call me.

I email the CEO on XX/XX/XXXX, and no response.

I emailed the XX/XX/XXXX and no response or acknowledgement.

I sent a letter via usps to the CEO and again, no response.

I called the executive offices and all they could tell me was send an email to the officeof the president.
Consumer complaint received 2020-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX Chase posted a withdrawal of {$81.00} from my checking account with description " NON-CHASE ATM WITHDRAW XXXX XXXX XXXX  ". Since I didn't recognize this transaction, I messaged Chase customer service to ask where and when this withdrawal was made. The first written response from Chase stated that " we are unable to provide you with the location of the ATM where the withdrawal was made. If you did not authorized this and wish to dispute the transaction in order to assist you better please call our Customer Claims Department at XXXX ''. I then proceeded to call Customer Claims Department and they said they would start an investigation and gave me a temporary credit of {$81.00}. On XX/XX/XXXX Chase denied the claim with a new letter ( attached ). I called Claims Department again and asked an explanation. They advised that the withdrawal was made at XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX at XXXX and that the PIN code was right at the first attempt, which to them is sufficient proof of this being a legitimate transaction. However this means that my debit card was cloned since I could not have possibly made that transaction as I was at home with guests that night and have never been in that part of town, moreover there is no ATM or any business at that address. I explained the above to the Chase Claims Department representative and escalated to a supervisor, but Chase still refuses to accept the claim. Besides the fact that my guests can testify that I was at home that night, most importantly there is no ATM at the address that Chase provides, which proves the fraud nature of this transaction.
Consumer complaint received 2024-03-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there a instances of late payment recorded on my account. I am writing to request the removal of this late payment from my credit report. XXXX XXXX XXXX
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX XXXX XXXX XXXX balance {$0.00} account # XXXX 30 days late in XX/XX/2019, and XX/XX/2019.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIBANK, N.A. (NC)

I contacted Citibank via telephone. I informed them that my wife is responsible for all transactions on her account, just like I am responsible for my credit cards. Just because money was transferred from her credit card to a joint account that my wife and I have does not automatically make me responsible for her transaction from her personal card. The representative said I should complete the form that was sent that would make me responsible for her account. I disagree.
Consumer complaint received 2020-01-22
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: Midwest Recovery Systems (IN)

This is the second time Midwest Recovery Systems has put a collection on my account for some payday loan I have never heard of, XXXX XXXX. No notification of such an item every received. I have never heard of their client and I want this removed immediately. They are already reported and revoked by the XXXX for complaints. It's ridiculous companies can get away with these practices.
Consumer complaint received 2022-04-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX balance {$7000.00} account # XXXX
Consumer complaint received 2022-04-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX balance {$7000.00} account # XXXX 30 days late in XX/XX/2021.
Consumer complaint received 2019-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Filed Dispute with Capital one for merchant XXXX XXXX in XX/XX/2019 asserting that merchant said at the time services were rendered that they were a participating member of the XXXX XXXX XXXX XXXX XXXX and since the service date was saturday XX/XX/2019, they could not verify my coverage so they would have to charge to my credit card the full uninsured value of service and after verifying coverage on the next business day, merchant would refund the full amount on the credit card and send invoice for the copay. 

Merchant never refunded the money and merchant filed insurance claim and was partially reimbursed. 
Total charge from merchant was {$1300.00} and I filed dispute for {$900.00} which is the amount that merchant should have credited after insurance XXXX XXXX XXXX XXXX disallowances and copay under their XXXX XXXX XXXX XXXX XXXX contract. 

Capital one sent letter on XX/XX/XXXX with incorrect city name ( XXXX ) when my city name is XXXX. Letter was received late on XX/XX/XXXX as a result and past the deadline to sent rebuttal. 

Merchant refuses to accept my inspite of their address error.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NC)

Why if a security freeze was placed on my report, why or how come the " freeze '' is not being honored? 
Why even offer a freeze to consumers when it does not work? 
Scammers are gaining access overseas quicker and faster than people in USA to my information. 
Why is America so far behind in computer access for information. Stop exposing consumer credit reports so much to the outside world for jobs, and credit lines.

Mine looks a hot mess. 
Companies that I do not authorize are pulling my credit file to always sell me something that I do not need or ask for. Stop this XXXX XXXX. 
Anyone can get my information quicker and faster than I can. XXXX, everyone is afraid that I will make a million dollars or something I guess. This credit report is like a XXXX criminal record to me. How can I get it expunged and wiped clean for a new slate?
Consumer complaint received 2021-11-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services (CA)

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX-XXXX  XXXX XXXX for them to release my ( or my minor childrens ) medical information to a third party.