davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

Yesterday at XXXX ( XX/XX/XXXX ) I went to check on my XXXX on the Coinbase app and my account said that i sent all of my money to Coinbase. The app says i gave coinbase my money at XXXX XXXX, At no time ever did I authorize this transfer or was not made aware of the transaction from XXXX. They Stole my money without permission, did not inform me of what happened to my money, i waited on the phone for 40+ minutes waiting on a representative to assist me with the problem, and the phone call disconnected. They were of no help to me and had no permission to sell or use my coins in anyway. They took XXXX XXXX which is {$510.00} and sent it to themselves now i have a XXXX balance in my Coinbase account. I tried chatting online with the company about what happened and got no help either. I made my initial purchase for the Coin on XX/XX/XXXX so Coinbase took my money in under 10 days, i have already lost {$190.00} on the coins in that time, now i have lost {$700.00} total because Coinbase took my coin. i will most likely lose more money if the coin appreciates while this claim is ongoing. Coinbase needs to give me my funds back.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NE)

Letters were sent on XX/XX/XXXX to dispute hard inquires on my account for : DEPT OF ED XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have yet to receive a response back regarding the investigation. Tried calling on XX/XX/XXXX to check on the status of my dispute customer service rep not helpful and would not provide me with the credit files and sources to verify the inquires.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021 sent a 3 letters regarding fraudulent accounts on my credit report. To this day over 60 days later and I still have not received a response yet. I like im being take advantage pf and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I was also affected by XXXX  breach and ive been getting alert that my information was compromised on the dark web. I have never done business with these companies and i am asking that these fraudulent account tp be removed. I have attached my Drivers license and the FTC reports
Consumer complaint received 2017-12-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

This is my second complaint, I have not heard anything on the status of my complaint. My complaint is that I cleared up all of my negative collections on my credit reports and XXXX went up 57 points and Transunion made a mistake and dropped it down 57 points. I called them and explained to them over and over and they just tried pushing me to get credit monitoring and than charged my credit card for XXXX for something they said was free for a month. I have talked to so many people and instead of fixing their mistake they keep giving me the run around. There is noway my score went up one one report and than down on another that many points for clearing up all of my negative items. I cant seem to find a way to contact the CEO of this company or even talk to someone that can fix someones mistake. I am at a loss of what to do. I filed a complaint a week ago but have not heard a thing on what is going on with it. I am not sure what to do at this point. This is beyond ridiculous that they wont even admit their mistake and I have to pay the price for it. I have worked hard to get my credit score up and now because of their mistake I am worse off than I was before I cleared it up. Please help me with this matter.
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (SC)

I was sent {$250.00} from a friend on the Cash App. The money was sent to my phone number, which was linked to a very old account that I no longer used. I received a text message to login and receive my money. When I clicked the text, it asked me to confirm my account by entering an old debit card number that I no longer had. I told the app I no longer had that debit card, and it prompted me to create a new account. Upon creating a new account, it told me I had no money available. In showing this issue to their support team, they have told me my account has no money sent, despite seeing text messages in the same thread from their own app/number saying I received the payment. 

In XXXX separate cases, they have refused any resolution and told me they would escalate my concern and I have never heard back. This has been over a month now. 

I am worried this is fraud and they are instead stealing my money.
Consumer complaint received 2021-02-06
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. (NY)

ID theft affidavit ( XXXX ) and Report to be filed, if necessary ( remaining unresolved fraud ), with XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX USPS mail dated XX/XX/XXXX stated : account # XXXX we have received your transfer of lease package. At this time, your request can not be processedExpired ; applicant will need to submit a new credit application to restart the TOL process Please request my provision of this original letter should XXXX persevere to obstruct its XX/XX/XXXX letter existence and repeatedly requested provision. 

On approximately XX/XX/XXXX I was made aware of XXXX lease obligation, not by XXXX ; rather, on my XXXX, XXXX and TransUnion credit reports. I email disputed XXXX, XXXX, XXXX and TransUnion. XXXX recognized XXXX fraud and immediately removed XXXX from its credit report. 

I further notified Consumer Financial Protection Bureau, complaint # XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ; without successful resolution. 

There have been 121 subsequent emails to XXXX requesting removal of its XXXX fraud ; including, cc. XXXX  and TransUnion, questioning their willing participation in XXXX fraud. These emails were to : XXXX, XXXX, ExecutiveEsc@transunion.com and XXXX. 

The attached XX/XX/XXXX XXXX letter was received from XXXX XX/XX/XXXX. Please accept its completion. 

Response to ( XXXX ) ID theft affidavit is : name, address, phone # and additional information are : 1. XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, XXXX 2. XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, XXXX 3. XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, XXXX 4. XXXX XXXX, Senior Lead, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, XXXX 5. XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, XXXX. 

Attached is XX/XX/XXXX TransUnion XXXX credit report date opened, balance, last payment made and terms duplicity. 

Additionally, attached is XX/XX/XXXX XXXX credit report page 1 names ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ), page 2 - 4, 3, XX/XX/XXXX ( balance, scheduled payment and paid ), responsibility and date opened, page 3 ( status, balance and terms ), balance history ), pages 4 and 5 balance history compelling, irrational and invented fraud.
Consumer complaint received 2017-11-08
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)

After trying in vain by telephone and on-line to prevail upon Experian to implement a security freeze, on XXXX XXXX XXXX my wife and I sent separate letters ( certified mail ) to Experian requesting the freeze. Each letter contained all of the information and documentation Experian 's web site says is required. I received a response dated XXXX XXXX XXXX XXXX Experian Report XXXX. XXXX ), refusing my request because I had n't paid a fee, notwithstanding that our letters and documentation clearly showed that both my wife and I are in our XXXX and exempt from the fees. Experian failed to respond to my wife 's letter. On XXXX XXXX XXXX, my wife and I sent a letter ( certified mail ) to Experian, reiterating our requests and referring them to the information contained in our earlier letters. On XXXX XXXX XXXX, Experian responded to my wife and me individually ( Exp. XXXX XXXX. XXXX and XXXX, respectively ) saying that they were unable to honor our requests because we failed to provide sufficient information for them to verify our identity. I should note that we had no trouble getting XXXX and XXXX to implement the requested freezes. I am astounded at the incompetence demonstrated by Experian and hope CFPB can help us.
Consumer complaint received 2019-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC (TX)

XXXX XXXX XXXX agreed to settle debt for {$550.00} it was paid in full they said pendrick pick the debt up which was settled and still reported it as if i owed r them a some of something
Consumer complaint received 2019-10-28
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. (IL)

Experian is reporting fraudulent collections on my credit report that I did not authorize or have any knowldege of. They are also reporting addresses that does not belong to me. I work in finance and up for a promotion. Part of the promotion criteria is having a good credit score. The reporting of these fraudulent medical collection bills will hinder my elgibility!
Consumer complaint received 2017-12-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TRANSWORLD SYSTEMS INC (FL)

On XX/XX/XXXX I received a call from an " XXXX XXXX '' on my personal cell from a number XXXX, I also received the same call at my work from the same person the number that called was a XXXX, the number he left was a XXXX. He called my Daughter 's Husband 's PARENTS and left the following message. I have a recording of the call. transcript is as follows : This is case XXXX XXXX with XXXX XXXX calling in reference to a complaint preparing to be filed against *************** ( me ) XXXX years of age after a through investigation of this affidavit, i find the documents forwarded to my office do indeed support the order for ************ ( me ) to appear in court on alleged check fraud, I would like to speak with ********** prior to signing off on this. I can be reached at XXXX, that is a listed toll free number, therefore XXXX should have no difficulty returning this call. Pretrial docket number to reference XXXX. Be advised failure to respond will leave me no choice but to execute the paperwork referencing your appearance in XXXX XXXX service which is due to be carried out at your home and place of employment. XXXX YOU HAVE BEEN NOTIFIED
Consumer complaint received 2022-03-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IN)

I applied for forbearance due to XXXX XXXX and was successful for initial XXXX month forbearance but near end of XXXX month forbearance I elected to apply for another forbearance and they will not give me that option instead sending me loan modification documents where id need to start paying immediately when I can't and when I try to instead select forbearance it now says I'm ineligible, and online it says I would be eligible for at least XXXX  months and up to XXXX months so mr Cooper is not following XXXX XXXXXXXX forbearance guidelines.
Consumer complaint received 2019-10-28
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: FORD MOTOR CREDIT CO. (NC)

ON XX/XX/XXXX I RECEIVED A CREDIT INQUIRE FROM XXXX FORD IN XXXX GA AND FORD MOTOR CREDIT THE SAME DAY, I IMMEDIATELY CALLED THE FORD DEALER IN XXXX GA ( XXXX  FORD ) AND THE LOCAL POLICE IN THE AREA AND TOLD THEM IT WASN'T ME THERE BUYING THIS CAR OR TRUCK, XXXX FORD REPLIED SAYING, WELL SOMEONE IS HERE WITH A ID WITH YOUR INFORMATION ON IT AND THE SELL WILL GO THROUGH. I THEN CONTACTED THE FRAUD DEPARTMENT AT XXXX IN XXXX TEXAS AND THEY IMMEDIATELY REMOVED THE INQUIRES AND SENT A MESSAGE TO FORD CREDIT SAYING THIS INQUIRE WAS FRAUD. ON XX/XX/XXXX ACCOUNT FROM FORD CREDIT WAS PLACED ON MY PERSONAL CREDIT FILE BY FORD SAYING I BORROWED XXXX FROM THEM, I CONTACTED FORD CREDIT FRAUD TEAM AND FILED OUT ALL THE PAPERWORK THEY SENT ME AND THEY SAID I WILL NOT BE RESPONSIBLE FOR THIS LOAN AND THE OTHERS. I ASKED WHAT OTHERS! XXXX XXXX AT FORD SAID THERE IS 3 OTHER LOANS IN YOUR NAME AS WELL AND ILL MARK THEM AS FORD TOO. I CONTACTED XXXX  FRAUD DEPARTMENT AND UPLOADED ALL MY DOCUMENTS CONCERNING THIS FORD ACCOUNT AND THEY IMMEDIATELY BLOCKED THIS ACCOUNT AND FORD WAS OK WITH IT, NOW 5 MO LATER THE BLOCK IS REMOVED AND THERES TWO FRAUD ACCOUNTS FROM FORD CREDIT SHOWING UP ONLY ON MY XXXX  FILE. I HONESTLY LOSING EVERYTHING I/VE WORKED HARD FOR DUE TO THIS. XXXX XXXX XXXX IS CALLING ALL LOANS IN AND MY CREDIT CARD COMPANY HAS GIVEN ME 4 BUSINESS DAYS TO HAVE IT REMOVED OR THEIR CANCELING MY ACCOUNTS. ALL OVER FRAUD ACCOUNTS. I WORKED FOR THE FTC AND XXXX CONSUMER AFFAIRS AND THIS IS ACTUALLY CRAZY WHAT XXXX IS LETTING THEM DO TO ME. I WILL CONTACT MY ATTORNEYS TO FILE SUITS AGAINST XXXX  DATA AND FORD CREDIT. XXXX TOLD ME THEY HAVE THE RIGHT TO UNBLOCK THIS ACCOUNT WITHIN 30DAYS FROM THE TIME IT WAS BLOCKED, BOY NOT 5 MOS. FORD CREDIT WILL NOT SHOW ME ANY DOCUMENTS NOR XXXX DATA WANT EITHER, BY THE END OF THE DAY I WILL FILE LEGAL ACTION AGAINST XXXX IN XXXX TX. I WENT TO SCHOOL AT XXXX UNDER XXXX XXXX XXXX XXXX AND CLEARLY XXXX CANT DO THIS. THERE HAS BEEN OVER 9 ACCOUNTS OPENED IN MY NAME SINCE XXXX WITH FORD CREDIT, ALL FRAUD! MY EX WIFE XXXX XXXX XXXX WORKS FOR FORD CREDIT IN THE DEALER LOAN DEPARTMENT AND XXXX XXXX XXXX IS THE ONE THAT ALWAYS APPROVES THE LOANS. XXXX DATA BLOCKED THE ACCOUNTS 2 DAYS AFTER I DISPUTED THEM AND NOW 5 MO LATER THE UNBLOCK THEM, FTC SAYS THEY CANT DO THIS. I WILL TAKE THIS TO THE TOP IF NEEDED, IM LOSING EVERYTHING I OWN NOW BECAUSE OF XXXX.
Consumer complaint received 2017-12-28
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PRESTIGE FINANCIAL SERVICES INC (NC)

Prestige Financial Services has repeatedly contacted me, my family, my coworkers, my past employer regarding a auto loan. 
I surrender the vehicle back in XXXX of XXXX because the car mechanical issues that I could not afford to repair, it was best to surrender the vehicle before it was repossessed. These people have continued to contact my previous employer as well as family members on multiple occasions. They have also continued to report the debt on my credit report inaccurately every month they change the reporting date to the current month as the original reporting date.
Consumer complaint received 2017-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LendUp Loans LLC (CA)

In the year of XX/XX/XXXX my identification was stolen from me. I see on my credit statement that I have a hard inquiry on it from back in XX/XX/XXXX, which I have/had no knowledge about, dont even know what it is or for.
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (NY)

On XX/XX/2021 I requested a validation of debt via certified mail to this company which they never responded to within the 30 days the have by law, they received the certified mail request for validation letter on XX/XX/XXXX. Today is XX/XX/XXXX and I have not received nothing from them. This company is on default to proof I owe the alleged debt and by federal law that protects me as a consumer this need to be removed immediately from all CRA 's they currently reporting to. I am the consumer and they never reach out to me nor have my permission to report on my behalf to the CRA 's. 

Attached you will find the proof of the letters I mailed them and the proof of the certified mail showing they received it on XX/XX/XXXX 3
Consumer complaint received 2017-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one cancelled both my cards without telling me. I therefore lost rewards points. Only one card should of been canceled due to fraud purchase yet they did both without notification and I still have n't gotten my card or rather cards yet. I need them ASAP for travel and they wo n't even overnight them. It is rather funny how if I mess up I am charged fees etc yet they screw up and it 's well ok. Nice to be elite. I guess so.
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One is a crooked company that I had the misfortune of doing business with in the past. 

Now, now matter how often I tell them to go away and stop marketing me, they keep coming back. 

I just received another call from them even though I keep my number on the XXXX list. I verified with the operator that contacted me that they were Capital One. 

Please put them out of business!!!
Consumer complaint received 2017-11-08
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: EQUIFAX, INC. (FL)

There are 2 collections reporting on Equifax with XXXX one in the amount of {$1000.00} the other {$710.00} and I have been disputing this for some time now. Every time I try to get validation of the debt they show a new open date. Now it 's showing the two things just opened. I have not been to the hospital in over 4 or 5 years and this continuously reports a new open date. 

I have never received anything from a doctor 's office indicating I owed anything
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (NV)

I believe that Citibank has violated us our rights and protections under the Servicemembers Civil Relief Act ( SCRA ) by charging exorbitant fees and interest for a disputed charge on his government-backed Citibank credit card while my husband is XXXX overseas. 

In late XX/XX/XXXX ( around XX/XX/XXXX ), my husband was XXXX to XXXX. This XXXX happened very quickly and unexpectedly, and it occurred while my husband was in the middle of a permanent change of station ( PCS ) move. My husband used his government issued Citibank credit card to cover the costs of his PCS move. 

In late XX/XX/XXXX, after I reviewed my husbands statements, I discovered that he was double charged for a move-related expense. A merchant charged us twice for the same bill : first on our debit card and the second charge was to his government-issued Citibank card. I was not sure how to respond since the card was under my husbands name and was the responsibility of/tied to my husbands unit in the XXXX ( his unit is based out of XXXX XXXX XXXX ). At the time, and even as of this writing, my husband and his unit were inaccessible because they were deployed and in special training.

In late XX/XX/XXXX, I made a payment in the amount of {$140.00}, which was the true balance that was outstanding ( i.e. the payment did not include fees ). I thought it would be best to pay the principal amount even though it was in dispute and file a dispute when my husband returns from his XXXX. 

On XX/XX/XXXX, I sent a certified letter to Citibank indicating to them that : 1 ) my husband was XXXX and that under the SCRA they shouldnt be charging fees or interest while hes XXXX ; 2 ) the amount citibank used as a basis for exorbitant fees was being disputed. Unfortunately, Citibank proceeded to garnish my husbands wages. 

My husband has spent hours trying to resolve this matter, however, because he is XXXX, he has limited access to resources who can help. Additionally, this has added unnecessary stress on my husband. We believe that Citibank should not charge any fees or interest while my husband is XXXX, and we believe that Citibank should return all the money theyve garnished from his wages ( about {$700.00} ). Finally, we believe we are entitled to punitive damages.
Consumer complaint received 2017-11-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AL)

Since XXXX XXXX, I have been receiving information from Navient that my interest-only payments will be ending soon. Just today, XXXX XXXX, XXXX, I receive such an e-mail notice. I kept logging into my online account information with Navient, and that information noted that the Interest-Only-Payments will be ending XXXX/XXXX/XXXX ( see attached ). I decided to call to see what the urgency of the e-mail alerts about the payments ending soon. The online rep checked my account and stated that there is no such information about the IOPs ending in XXXX. While the rep was on the phone, I logged into my account, and sure enough the loan details stated that the IOPs would be ending in XXXX. She pretended not to have that information until I became very firm in my voice that the XXXX was, indeed, posted to my account. Then the Navient rep stated that the information needed to be updated and that the deadline was XXXX XXXX, XXXX -- this was the first time I was given a date. I asked my payments because in those alerts and online there is no mention of the updated payment amount. The rep stated that my payments would be {$220.00}, and I informed her that there needs to be a payment adjustment because I was on XXXX and no way could I make this payment on short notice nor in the future. I asked to speak with an account specialist, and she attempted to find an alternate program and discovered that the phone rep had given me the wrong information regarding my payments. The payment adjustment for XXXX XXXX, XXXX will be {$85.00} and not {$220.00}. This is nothing more than a payday loan establishment with the interest rate climbing by the day.