davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: AMERIS BANCORP (SC)

Recently, Ameris Bank acquired XXXX. I tried logging into my XXXX accounts and found that my auto loan account was not working. I contacted Ameris/XXXX, and they said online accounts are no longer provided by Ameris. I used to be able to log in and see all of my payments and submit payments. I opted out of paper statements with XXXX, but Ameris discontinued online support. When I asked the representative to reinstate paper statements and records, I was told they did not support paper statements for auto loans. I was given two options : 1 either call in to confirm payments or 2 go the auto loan bill pay to check my balance ( not including records of actual payments ). I find 1 unacceptable ... I should have access to PRINTED records either digital or paper-based. When trying 2 to make my own records, I received an error message online saying I was " not allowed for accounts pre-paid 3 or more months ''. 

Ameris, in acquiring XXXX, has chosen to discontinue auto loan support in any written form. I am a responsible bill payer and try to get ahead. I should NOT be denied access until my balance " catches up ''. This is a trick to get my interest to accrue and them to make more money.
Consumer complaint received 2021-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

Capital one credit card company closed account, charged off then sold it to XXXX XXXX XXXX, XXXX after account has been closed and discharged. I did not receive any notification about this until after I disputed the items on my credit report. It has been over XXXX years and now I am receiving notices in the mail almost every day. These accounts have been discharged and closed. I have disputed these items several times and they get put back on my credit report with a different date. These accounts are over XXXX years XXXX and I want them removed.
Consumer complaint received 2022-04-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MA)

On XX/XX/2022, I made a bitcoin ( of XXXX unit ) purchase on Coinbase XXXX using the majority of my cash balance of {$20000.00} at noon. However, the transaction didn't seem to go through as the purchase wasn't shown in the portfolio balance but the cash balance dropped by the amount purchased. So I reached out to Coinbase and asked for a resolution. The technician didn't know the issue and planned to seek his colleague for help. Around XXXX I got a call from XXXX XXXX who claimed to work for Coinbase to help me with my issue. He said the transaction didn't go through due to the need for my ID verification. He then sent me an email asking for my driver 's license and then sent all my bitcoin balance of ( {$48000.00} for XXXX units of Bitcoin + XXXX cash balance ) at Coinbase XXXX to an unknown blockchain address. He then hung up the phone. I contacted Coinbase customer service and they said they can not revert the transaction and they don't have a strict regulation on bitcoin transfers to any external address. Also, they don't provide FDIC insurance of any amount either. 

I would like for CFPB to contact Coinbase to investigate the poor customer service they had in terms of providing security and protection to its customers.
Consumer complaint received 2019-11-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

COINBASE, INC.s transfer to a FRAUD SCAM Brokers : Initialrate. 

I would like to bring your attention to a serious issue I have with COINBASE, INC. wires that first took place on the XX/XX/2019. 

I have been victimized by a multilayered scam operation orchestrated by XXXX - the Company. 

The funds were transferred utilizing COINBASE, INC. 's services in the total amount of XXXX EUR! 

I would also like to point out that on XX/XX/2019 - I filed a dispute with COINBASE , INC .
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY (RI)

I had an Amex Platinum card. The account was cancelled by the issuer however they still charged me the {$450.00} annual fee. They have attempted on multiple occasions to make me pay it, and now have made a derogatory comment on my credit report
Consumer complaint received 2019-11-12
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: AMERICAN EXPRESS COMPANY (MD)

XXXX XXXX XXXX fraudently charged me {$5000.00} for legal services not rendered. I raised the complaint with American Express and AmEx refused to assist me.
Consumer complaint received 2020-05-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AL)

I attempted to buy a ladder online. Apparently the company is not legitimate because they never sent the ladder and they are unreachable. I used PayPal to pay for the purchase. PayPal claims to offer Purchase Protection in cases like this. I have asked PayPal, through the PayPal website, numerous times to refund my money. But since they are on limited staff due to covid19, they won't answer the phone. They immediately close the claim and they don't refund my money.
Consumer complaint received 2020-05-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted all 3 agencies and let them know I experienced identity theft with one account beginning XX/XX/2018. At first, they said the item was valid and then no response in other attempts. I have used this portal and mailed them letters, I also called them. I have attached my most recent letter to this complaint.
Consumer complaint received 2021-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTIONS USA, INC. (GA)

I received a statement from Collections U.S.A Inc stating I owe XXXX which is incorrect when I moved out I owed XX/XX/XXXX {$0.00} even when they verified my rental information with my last two apts they verified I owed {$0.00} This company is harassing me with false tactics and I will be filing a claim against this company in small claims court for harassment on a bill I don't owe. I would like for CFPB to look into this company for sending out false statements. I feel that Collections U.S, A should be audited and investigated immediately. This debt is not valid and I do not agree with it. The account number listed on the statement is XXXX I had no such account.
Consumer complaint received 2021-04-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I reported an invalidated debt on my Transunion credit report from the credit reporting agency, XXXX XXXX. This company has failed to report an accurate account of the balance, and has not removed this derogatory remark from the credit file. Further, this account has been paid in full - Confirmation # XXXX.
Consumer complaint received 2019-11-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

View all accounts XXXX XXXX XXXX XXXX Opened XX/XX/2019 - {$150.00} Original creditor : XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 

Balance {$150.00} Highest Balance {$150.00} Opened XX/XX/2019 ( 5 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX see an error? 

DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Opened XX/XX/2019 - {$2700.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 

Balance {$2700.00} Highest Balance {$2700.00} Opened XX/XX/2019 ( 8 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by the consumer meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX see an error? 

DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/2021 I am on the phone and chatting with two Paypal customer services and they refuse to close my account. In addition, I am still on the phone for over 50 minutes he was yelling at me being very rude. I asked for a supervisor and I am still on the phone waiting. While my friend tape-recorded the conversation. XXXX on chat will not answer my questions or assist me in closing my account. In addition, I can't pay XXXX on the website because the ( Paypal ) website doesn't work. I want to close my Paypal account and I am refused because of retaliation. I already filed with the US Attorney General 's office, US Department of Treasury, and FDIC. 

Paypal ran by Schronony Bank has so many poor ratings it is the worst and they refuse to close my account and has the worst customer service that yells at customers and over 1 hour-long wait times. The customer service needs therapy sessions as they yell at customers and treat customers poorly. I tape-record the conversation and sent it to the federal government. I want my account closed! 

THIS IS NOT A DUPLICATE COMPLAINT
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I Closed account with consumer in XX/XX/2019. I ordered furniture from a merchant who delivered the wrong items. I contacted the store associates and managers about the wrong items being delivered to me and was told I will get the correct order delivered within 2weeks. After 2 weeks passed I contacted the funiture store and was told to contact XXXX. XXXX was not helpful and told me that The account would be closed but I would not get any refunds. XXXX is still reporting inaccurate information on my credit reports.
Consumer complaint received 2019-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I recently opened an account with Santander, experienced some fraudulent activity through no fault of my own, and had my account closed. Communication throughout the entire experience was terrible, and {$5.00} of my money was never returned to me. 

Back in XXXX, I received mail offering a {$400.00} dollar bonus if I opened a Santander checking account. I'd had some bad experiences with other banks, and was eyeing Santander anyhow, so I decided to give it a try. On XX/XX/XXXX, I opened a checking and savings account in branch. I had plans to open a business account as well, but was leaving for XXXX for two weeks, so decided to do that upon return. 

When I returned on theXX/XX/XXXX, I created an online account in order to transfer some money in and then set up direct deposit. I immediately noticed fraudulent activity which had occurred between the XXXX and XXXX. Someone had apparently deposited a bad check and withdrawn money from the ATM. Presumably they got ahold of my new ATM card somehow - it never arrived in the mail. As I had a mail hold from XX/XX/XXXX until XX/XX/XXXX, this would have had to be at the post office or at Santander itself. I called Santander to report this. They froze the account, saying I would receive results of the investigation in the mail. I eventually received a letter stating that the fraudulent charges were reversed. 

After the holidays, I called in to see if I could get another ATM card. After a lot of waiting, I was told that the whole account was now determined to be a fraud risk, but if I went to a bank I could close it and reopen. I was also told that the {$5.00} returned item fee from the bad check would be refunded. Upon going to the bank and attempting to do so, I was told that Santander would not allow me to open another account, and would in fact not refund that fee. I did leave with a check with my other money, but with quite a bad taste in my mouth. The banker was great, but it sounded like the person on the other end of the phone was telling him the bad news.

This fraud was very clearly not my fault, yet I was punished for it. I probably wouldn't have written this letter were it not for the {$5.00}. It's not a lot of money, but it's the principal of the matter - there is no reason Santander should not have given it back to me. The reasoning behind not restoring my account is also very suspect. I was told that some people open accounts in order to do this sort of thing, but that was clearly not the case - I both wasn't in the country, and had a mail hold so couldn't possibly have received the card. The banker even admitted it clearly wasn't me, but said that whoever was on the phone didn't care. All in all, I am very disappointed in Santander. I was looking forward to a new bank, but instead got a giant mess that cost me a lot of time - and {$5.00}.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX
Consumer complaint received 2021-01-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions, Inc. (SC)

Receivable Solutions received a certified letter from me on XX/XX/XXXX requesting they validate 5 debts they are reporting to the credit bureaus in the amounts of : {$80.00}, {$82.00}, {$220.00}, {$240.00}, and {$80.00} 30 days expired and I received no response. 
I sent a second certified mail letter requesting since they have not validated these debts to delete them from my credit reports. They received the letter on XX/XX/XXXX. 

I received the first correspondence today stating they are only investigating one account and to allow them 60 days to validate the account. They are only allowed 30 days and that time period has lapsed...
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES CREDIT UNION (WA)

In XXXX of this year ( I have not received a statement, so I am not able to verify specific date of incident ), my business and personal accounts had an overdraft. BECU blocked my online account, but I had not been informed, so I just thought it was a technical error or a password problem. I tried several times over the following days and weeks, but could not access, so I decided to call and ask for help. When I called, BECU informed me that they had closed my accounts ( including my credit card, which I had made timely payments on ) because of the overdraft. They said it was turned over to their " Financial Crimes '' department, which shocked me. I have never been treated like this by a bank. I have been a good customer and never had an issue. For them to respond in this manner was unfair, harsh, and lacked any kind of thoughtfulness toward me as a customer. 
When I looked into it, I found that I had deposited checks from another business of mine and from another personal account I held. The business has a couple of clients that owe a considerable amount of money ( over {$95000.00} ) and had been told one of the clients had wired the money to the accounts the checks were written from. They, in fact, had not, and were just trying to buy time to make their payment. I have been hit hard by the lack of payments from these clients, which know they owe the money. I'm sure they will pay, but I am having to reach out to them every few days to push them or at least get a status update. I've been assured that I will be paid, but I need BECU to be patient and understanding, while I work on getting this resolved with my clients, so I can cure the debt owed to BECU. 
I feel terrible about the overdrafts, and I will take care of what I owe. This was uninntentional on my end and, I believe, understandable. Some leeway should be granted to me by BECU, and allow me to make payments or wait until I am paid completely and can pay the entire amount owed ( approximately {$9000.00} total between the accounts ). I also need my access to the online banking restored, so I can make regular payments, get records of the transactions, get statements, and manage the accounts. Cutting me off immediately, put me in the dark, with no explanation for weeks. Had I known early on, I would have been able to track and manage this a lot better. 
I need any fees waived where possible, my accounts restored and allowed to continue, and I need any credit reporting removed. I have been hit hard enough by our clients ' lack of payments and need support and understanding. I'm committed to resolving this.
Consumer complaint received 2019-03-04
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. (OH)

I have had someone access my credit profile for accounts that I do not recognize. I have had my wallet stolen and my credit, I.D . was used not sure how many accounts were opened. My current address is XXXX XXXX XXXX XXXX, OH XXXX. My name is not XXXX XXXX or XXXX XXXX please delete them from my credit file. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX , I do not own these phone numbers please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Consumer complaint received 2017-12-29
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have a card my husband is an authorized user I can’t get them to report it to XXXX XXXX or XXXX it was on there but they removed it for over the last 60-90 days I have been calling trying to get this corrected I have called no less than 10 times and each time I get a different story most ending with we will get these reported but yet they don’t and I call and let them know and I get no where I am told there is no one I can talk to who handles this we have advised them of the fair credit reporting act yet no one will correct this we have a consultation with and attorney due to these violation all we really want is to have this card reported to my husband XXXX XXXX credit like it is supposed to be we are trying to build his credit to buy a house but they just won’t find out what the problem is and fix it
Consumer complaint received 2020-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (AL)

I checked my credit today and out of nowhere theres a collection from these people that I have never heard of and who I do not owe or have a contract with. Im XXXX because they have the wrong person here. Also they are violating the FDCPA because even though I have no knowledge of this company they supposed to notify anyone within 5 days by mail a written notice with the amount of money they claim you owe and the name of the original creditor that I also dont know as well I have not received anything from this company to my understanding this is identity theft and I am seeking litigation because this has sent me into XXXX. also, I will be suing in small claims court and they will definitely have to travel to represent themselves they have violated my consumer rights as well. I demand they remove this false item expeditiously.