davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

On XX/XX/XXXX, my Coinbase and Coinbase PRO accounts were accessed without my approval and apparently without 2 factor authorization. Unauthorized and fraudulent transactions were made in both Coinbase and Coinbase PRO accounts resulting in {$200000.00} worth of crypto currency being siphoned and stolen from my accounts. I immediately contacted Coinbase on XX/XX/2022 to notify them of this activity and the multiple unauthorized transactions of under {$10000.00} each. I was just assigned a Case Number that Coinbase states that they will reference while taking 30-45 days to investigate my case. That number is XXXX.
Consumer complaint received 2020-01-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (MD)

Received XXXX Enhancement  letter from InterContinental Capital Group , Inc. I understand this is a long-running scam using different names for the lender in an attempt to obtain additional personal information. They ask that the recipient call by a certain date to take discuss your new loan. 

They claim they are at : XXXX XXXX XXXX XXXX, XXXX, CA : phone XXXX. 

They give their NMLS # XXXX.
Consumer complaint received 2020-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

In XXXX of this year I became a victim of credit card fraud. My XXXX credit card was compromised. Fraudulent balance transfers in the amount of {$91000.00} were made against my XXXX credit card account with a credit limit of only {$6700.00}. I disputed the frudulent balance transfers immediately. I was asked to make and have made minimum payments on the fraudulent charges to avoid derogatory remarks on my credit report. XXXX XXXX then reported the fraudulent balance to the credit bureau and my credit score dropped 100+ points in XXXX of this year. I am in the 4th month of waiting for resolution and for my credit to be restored.
Consumer complaint received 2018-02-20
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. (MS)

XX/XX/2017 XXXX XXXX XXXX placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report immediately.
Consumer complaint received 2022-05-02
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Acct number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX Acct number XXXX
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (TX)

My complaint is against Rent Recovery Solutions ( file # XXXX. We lived at The XXXX XXXX in XXXX, TX. We moved out of the apartment in XX/XX/XXXX. Our last bill/rent for the apartment was paid on XX/XX/XXXX in the amount of {$310.00}, which was paid directly to the apartment complex, and it was cashed XX/XX/XXXX. In XXXX in XXXX, we started receiving phone calls from Rent Recovery Solutions stating that we owed a balance {$930.00} from the XXXX. We communicated multiple times to get this matter resolved. We submitted proof of the last payment made via check and chased to the apartment complex, letter of satisfaction from the apartments on company letter head and a billing statement showing a XXXX balance. All this information was sent to Rent Recovery Solutions via XXXX ( Tracking XXXX ), it was delivered and signed by XXXX XXXX. After all this, it was considered satisfied. 
XX/XX/XXXX, we started getting more phone calls from Rent Recovery Solutions that we still owed them {$930.00}. We have spoken with The XXXX office managerXXXX XXXX XXXX who had confirmed that the debt was satisfied and has sent communication to Rent Recovery Solution to close the account. Rent Recovery Solutions has been giving us the run around and blaming the apartment complex for not cooperating. They have confirmed that they received our correspondence from XXXX but is not sufficient. 
I want this matter resolved via written form and I am seeking {$1000.00} in compensation for time loss and emotional distress.
Consumer complaint received 2018-07-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA)

My moneygram online account was closed automatically by moneygram security for " security reasons '' and claim that I am permanently locked from using their service online, however am still able to use physical locations. 

The issue is I still have sensitive information stored on that account that was closed. They have my email, name, address, copy of my ID card, credit and debit card information and without access to my account I am unable to delete this sensitive information. 

I do not want such a terrible company to have all that information about me and want all of that information deleted including my account and anything that relates me to their terrible service.
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NJ)

Summary of Problem : My rent check, which was made out to a business ( LLC ), was illegally stolen and cashed into a personal checking account. I filed a fraud claim with my bank ( XXXX XXXX XXXX ) against the bank with the check was cashed ( TD Bank ). I also filed a police report which I provided to my bank for the fraud claim. TD Bank will not respond to my bank at all and XXXX XXXX XXXX has tried to close my fraud claim because TD Bank will not communicate. 

Details : I sent my rent check to my landlord on XX/XX/2017. My check was stolen in the mail and illegally cashed on XX/XX/2017. The amount was {$1600.00}. 
The check was made out to to " XXXX XXXX XXXX '' which had XXXX in the title, which is obviously a business. XXXX XXXX XXXX utilizes a stamp with their name to endorse every one of their checks. 
The check was cashed at a TD Bank to a personal account. The check had a scribbled signature on the back when I reviewed it in my account. The check should have NEVER cleared at TD Bank. The account it was cashed to was a personal account. NOT A BUSINESS. The personal account also had no affiliation with XXXX XXXX XXXX. 
I filed a police report and the detectives were able to track down the person whos account the check was cashed to but was unable to make an arrest. 
I filed a fraud claim with XXXX  XXXX XXXX, which is my bank, and they can not recover the funds from TD Bank. XXXX  XXXX XXXX has tried to close the fraud claim because they say TD bank wont respond to them. Which seems like a lazy excuse to just give up on me and move on. 

I am getting completely screwed by TD Bank because they let a check, that was made out to a business, get cashed into a personal account that had ZERO association with the business ( XXXX XXXX XXXX ) and not they are just ignoring legitimate claims that they should refund my money. 
I am also getting screwed by my bank ( XXXX  XXXX XXXX ) because they are not doing nearly enough to get my money back.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I have been disputing a collection on my credit report for XXXX XXXX. They denied them. I just looked closer today and noticed the dates of the day accounts were opened are inconsistent and other errors. From my understanding the information has to be correct across all XXXX reports. The information is not correct. The dates were in XXXX when I learned I had identity theft. And then the XXXX week of XXXX of XXXX. I filed the dispute and they came back and said it was me. Due to the inconsistency shouldn't it be removed?
Consumer complaint received 2022-11-19
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. (AR)

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately. Also, under the FCRA section 605b, you are required by law to remove any fraudulent accounts and information that are reporting on my Credit File, I have been disputing for the removal of these fraud accounts and yet you have done nothing! This will be my last attempt to file a CFPB Complaint requesting the removal of the fraudulent accounts and information from my Credit File before I hand over my documents to my attorney. If it is not too much to ask for, please remove the following accounts now! 
XXXX XXXX XXXX XXXX  Opened XXXX XXXX, 2021 Balance {$320.00} XXXX Inquiry Date XXXX. XXXX, 2021 The Credit Bureaus are provided by federal law to respond within the statutory time limit and they still have failed to respond to my letters. I would highly appreciate it if you delete these items from reporting, pursuant of FCRA section 605b, immediately. Thank you.
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-02-20
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. (FL)

I was laid off XX/XX/2011 and my last contact was XX/XX/11. Listed twice on all 3 credit reports by them and they sold debt to another lender. Re-Aging is illegal per FL Statue 5 years remove item from my credit reports. Mailed letters to inform them of this and they have not removed off credit report. Asked them to validate this debt and I have not hear from company at all.
Consumer complaint received 2018-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Chase bank used XXXX transfer pay and my funds of {$250.00} dollars were sent to the wrong person. Chase Bank is now stating they are not responsible for XXXX transfer payment going to wrong person. I reached out to them 1 week ago and they have failed to resolve stating they cant get my money back. They also state its not their responsibility yet this is a service provided by chase. I want my funds returned,
Consumer complaint received 2022-05-02
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. (OK)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (UT)

I was a victim of identity theft and fraud and reported there were unauthorized transactions on my XXXX XXXX credit card. The experience with XXXX XXXX to resolve the issue has been unnecessarily confusing, the website reporting one card closed and another card open. I am not able to access the website as it failing to open pages including other issues. XXXX XXXX has failed to readjust the balance properly and failed to modify the minimum payments as I have overpaid minimum payments for the last several months. They have my account in past due status and I was told they would readjust the balance and change the minimum due amount since I overpaid due to fraudulent charges on my account. The website login page is preventing me from doing anything on it as well. Customer service seems to not understand any of my request and at this point I am left to filing a complaint with the CFPB. Additionally, I was sent out 2 cards and do not know which is valid or not valid. This process has been sloppy and not being handled in good faith.
Consumer complaint received 2022-11-20
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: Experian Information Solutions Inc. (SC)

Affidavit of truth On or about XX/XX/2022 at XXXXXXXX XXXX I went on EXPERIAN website to see if there were any corrections of error on my consumer credit profile and they have refused to update my information correctly there should only be one name which is XXXX XXXX XXXX and no others. There should only be one address and that is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  } and I am no longer associated with any other address and only one email which is XXXX. And they have refused to update this information correctly and not only that they are willfully committing aggravated identity theft against my persons because according to 15 USC 1681b ( a ) in general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances AND NO OTHER ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I NEVER GAVE THEM WRITTEN CONSENT TO REPORT MY PERSONAL PRIVATE INFORMATION. And theyre deceitfully reporting late payments on my student loans which are more than seven years of age pursuant to 15 USC 1666 ( a ) Time to make payment A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (PA)

Monday, XX/XX/XXXX Nordstrom closed my account without notifying me. I had bill paid on this credit card which is a Nordstrom Visa card. ( Good thing I called regarding receiving a new card ) I spoke with several reps and managers and was told due to my credit score, they would not issue me a new card. I reviewed my Nordstrom report online which states I was in good standing paying on time and my credit score probably was not reported correctly by XXXX. I was a member since XXXX, I was devastated by Nordstrom closing my account which I used to pay my bills. Also, I noticed online Nordstrom has a blacklist for consumers which they use to close their accounts. I was never notified was makes the decision disheartening and I thought I was a valuable customer, especially during times when consumers need assistance. Nordstrom is looking out for themselves and no I have to pay a credit card that I can not not use.
Consumer complaint received 2020-09-13
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. (NV)

I was aware of this fraud account on my credit XXXX of 2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Consumer complaint received 2018-07-31
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. (FL)

I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize. <br>XXXX XXXX XXXX XXXX XXXX XX/XX/2018<br> <br>XXXX-XXXX XX/XX/2018<br> <br>XXXX XXXX XX/XX/2018<br><br>XXXX XXXX XXXX XXXX XX/XX/2018<br>XXXX XXXX XXXX XX/XX/2018<br><br> I did NOT sign anything!!

These inquires need to be deleted from my credit reports as soon as possible
Consumer complaint received 2020-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RAS LaVrar, LLC (FL)

This paid debt was held by XXXX XXXX XXXX who sued on behalf of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX filed a Satisfaction of Judgement then sold the debt to RAS LaVrar, P.A on or about XXXX. 

RAS LaVrar was supplied with a certified copy of the Satisfaction of Judgement and then sold the debt again to XXXX XXXX XXXX who has hired XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX has called my cell phone through ( I believe the following numbers, as I no longer answer my phone due to fraudulent debt collection attempts ) XXXX XXXX XXXX ( 1 ) XX/XX/XXXX XXXX XXXX XXXX ( 3 ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX ( 2 ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX ( 1 ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  I've attempted to hire an attorney, I can not afford XXXX nor will an attorney take the case and be paid upon completion because it is under 50 calls ( XXXX XXXX XXXX ). 

XXXX, XXXX, XXXX XXXX XXXX, XXXX has sent me a letter stating " As you know, XXXX XXXX XXXX, the current Creditor-Debt Purchaser, has purchased the account referenced above. A judgement was entered against you in this matter on XX/XX/XXXX. '' They fail to mention that the Satisfaction of Judgement has also been filed XX/XX/XXXX. If I were a " less sophisticated individual '' this would lead me to believe that I still owe this debt. 

What sucks is I can't afford to sue RAS LaVrar nor the current owner and law firm attempting to collect on a satisfied debt. Hopefully, at least you can do something about this ... I can't. 

I have also posted a copy of the Satisfaction on XXXX ( XXXX XXXX XXXX ) LinkedIn site and also on XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX clearly viewable on a public forum, in the same manner as was the custom in newspaper days. 

I'm not looking for legal advice, I couldn't afford to take it, but surely they can be fined or something for continuing to sell paid debts and trying to collect again on them.
Consumer complaint received 2018-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I have been notified in the month of XXXX 2018, that my personal info had been hacked on the XXXX website. I recieved a notice via mail about the hack. Then I was told to put a freeze on my person Reports. Which I did immediately!!! Still I have contiued to recieve hundreds Robo callers weekly for years now. I have recieved caller 's where the Robo caller 's called on one phone line then. I recievd another call just minutes apart from the other call, threatening and saying, " You owe the IRS a lot of debt, '' and, added that, " They were the IRS and that they were gong to take me to court and sue me ''! I was a bit shaken, I recieved a call simular to this last year and ran to my CPA! This time i could tell that It wasn't a real voice. I did get very upset, to the point to where I have decied to fight back now! It has to stop! It's like a bully of some sort. Well I am not going to take this anymore!!! These thieves have taken control of my XXXX XXXX, all of my social media sites that I was with, they have even gotton into my XXXX account and all of my records, I am extremely concerned that this has all gotten so out of hand? Below I am discribing what has happened recently to my bank account. 

I went to my bank. While at the outside window, I notice somethnig odd. This company called XXXX, which is a singing APP that I used to use on my cell phone.. I notice the amount of {$39.00} had been debited on my card. I knew I hadn't done this??? I could see the problem so i went into the bank to investigate this problem. I ask the Banking Rep to please give me a reciept of this transaction. I called over the phone to XXXX who said they could see the charge, and that they be opening an investigation. I also talked to the XXXX Rep and she said that she would be reporting this to the Investigation team of XXXX. She said it will take some time to complete. 
These hackers have taken over everything in my life. i am very discusted and fear for my personal safety. I do not want to go any where alone without my husband. I have put freezes on my account and still they manage to hack in some how. I have put up cameras, so much to protect myself and my family. It's a nightmare to have to live like this on a daily basis. I need your help. Thanks in advance. 

I also recieved a call from XXXX and I was told that someone had compromised my XXXX, and XXXX Account and to report this. The gentleman told me to report this to every one, and put the word out! 

Can someone please help me to stop this huge anoying problem. Urgent!!! Everyone, Seniors please, be aware of this IRS scam!!! It's not real it is fake. It is ment to scare you out of your money!!! Call and report this crime to the local police right away! Don't be a victim!