davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IL)

Date : XXXX Amount : XXXX litecoin Company : XXXX ( Coinbase inc. ) My account : XXXX Action : Failing to recognize an erroneous transaction I was trying to transfer Litecoin to my another account. However, I accidentally entered my Bitcoin address instead of my Litecoin address as the receiving address. Of course, this got rejected by the blockchain right away. However, XXXX confirmed this as a valid transaction. As a consequence, the XXXX litecoin has been withdrawn from my GDAX account although the transaction never happened. Ever since, Litecoin had dropped 30 % in value and I lost the opportunity to sell it since XXXX had effectively confiscated my litecoins. I contacted their customer supports and they havent got back to me in 2 months. 

I attached two screenshots. One shows the transfer history from my XXXX account, and it says the transfer is complete. However, if I track the transfer address, it says the Litecoins were never redeemed ( i.e. the transfer was never completed )
Consumer complaint received 2018-03-06
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. (NY)

I notice 2 inquiries from Equifax that I don't recognize, it was a total of 5 when I contacted Equifax but, 2 are still on the credit file. I did contact Equifax in XXXX of 2017. Equifax does not even have the contact information from the alleged inquirer, see attached screenshot.
Consumer complaint received 2021-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (CA)

OK here is the trouble : XXXX and XXXX subsidiaries trying to collect big bucks that were passed long ago of limitation back in XXXX when all collection attempts failed to collect because of no income in my part /unemployed /when the economy went under in YR XXXX. 
So why are they now trying to collect money a second time, that was way long past due and destroying my credit reputation as well. havent they ruin my life long enough, Then they decided to return and collect the fees a second time again and destroy my credit once more for something long ago! many years ago! ( XXXX ) and they're coming back to trouble me a second time they should be ashamed. 
I think this has been passed way its limitations in California regulation seven years I believe It's limitations to collect or report anything on your credit obviously they're probably breaking the law. I don't know that but obviously, they are abusing the system and it's not right. Shame on all three, XXXX XXXX and the third-party agency collecting. 
yeah, I read the disgusting letters when they arrive wanting to collect for a dept that was past its time many years ago! Then upon reading Increasing additional fees from original past due {$390.00} last I remember? to collection attempts in XXXX why! - Today it is increased by {$800.00} how can that be doubled the amount? then asking to settle the payment for {$440.00} and XXXX cents. we are in the year XXXX. 

We are living in critical times once more you're attempting to collect monies once more!!! when this should have fallen from its limitations years ago!! I am struggling to stay alive and make ends meet like so many Americans in dire times all over this pandemic you are a disgusting organization. sprint t-mobile ECR collection 's I believe this is already breaking the law attempts for money that was owed long ago! XXXX and XXXX you should be ashamed. Trying to ruin and tarnish my credit which took so many years to repair and recover after the economic smash in the yearXXXX when I was unable to establish or make my payment obligations. Now again they're attempting to come back and ruin and steal my life away once more. to attempt to collect something that was 16 years ago past its limitations for sure, this is wrong to ruin my credit status once more! and collecting! ( WTH ) by threatening to report to all three agencies is devasting to me! when it was due many years ago 16 years ago! CFBP please protect my rights, or advise.
Consumer complaint received 2019-03-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (AL)

Went to dealer to buy car coming off lease. They said to buy direct from XXXX XXXX. We were told a week to 10 days. We paid it off and provided a mileage statement. That was over three weeks. Different story every time you talk to them.
Consumer complaint received 2021-08-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-03-12
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. (GA)

The XXXX Bill ( Account number ( XXXX ) on my file was discharged in my bankruptcy in XX/XX/2013. It is incorrectly recorded on my bureau as a " charge off '' instead of " included in bankruptcy ''. I disputed this with the bureaus and they left it on my file as it was. This is a violation of federal law. I have included my bankruptcy paperwork showing the XXXX debt.
Consumer complaint received 2021-09-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IN)

I opened a new account with citi on XXXX. Its been over a year and I have yet to receive the terms advertised/offered. ( XXXX bonus miles ) An investigation has been opened on XXXX and STILL no solution. Case # XXXX. Prior to case being opened Ive talked to XXXX Agent ID XXXX @ XXXX who said everything looked great and I should be rewarded soon for my new account. Estimated 60 days Months past and nothing. On XX/XX/XXXX I spoke to XXXX @ XXXX who transferred me to XXXX in the credit card department and he transferred me to XXXX in customer. Now theyre giving me the run around. Super frustrating. Today XX/XX/XXXX supervisor decided to end the call instead of coming up with a solution. Ive been hung up on now about 4 times.
Consumer complaint received 2019-03-12
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 happened to check out what was going on with my credit report. I noticed several collection items placed on my report that do not belong to me. Please remove them from my report today I appreciate the help. Thanks so much.
Consumer complaint received 2019-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NY)

I believe that Citi is retaliating against me for my prior CFPB complaints by refusing to move credit from my Diamond Preferred card to my Double Cash card. There is no logical reason for them not to do so, except for retaliation. I called the Citi EO and spoke to XXXX XXXX who has replied to my previous CFPB complaints. She agreed to put in a request to transfer the credit already available from my Diamond Preferred card to my Double Cash. When I was ready to do so, she was unavailable so another EO rep put in the request. They called back several days later to tell me that my request was denied due to debt. This makes no sense because: 1) My credit score is higher now and my credit card debt levels lower than the last time they approved me for a card just a few months ago2) I recently closed a Prestige card with Citi, so their exposure to me is reduced anyway3) They would have no additional risk because I am not asking for an INCREASE in credit, I'm simply asking to move credit 4) They would not be at a financial risk because I am moving credit from the Diamond Preferred (0% APR) to the Double Cash (16% APR)5) They would allow me to switch the card type for the Diamond Preferred to the Double Cash, but not move the credit, so I would still have the same larger limit on a Double Cash card, just not the one with more history, showing this is arbitrary.It is important for me to move the available credit ($XXXX) from my Diamond Preferred to my Double Cash because the Double Cash is older and I don't want to lose the history. I plan to pay off the Diamond Preferred and close it once this small part of its $XXXX limit has been moved. It would harm my credit to have to have to switch the newer Diamond Preferred card to the Double Cash and close the older card with more history. At this time, I am NOT requesting any card be closed.As you can see from above, Citi's rationale is complete nonsense for not moving the credit line. I believe the only possible rationale is retaliation. They know it would harm me to lose the older Double Cash trade line.
Consumer complaint received 2018-03-06
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: EQUIFAX, INC. (TX)

I pulled my report once again after clearing up incorrect information show from a monitoring service that I'm in the process of getting a vehicle loan for my XXXX XXXX and I have unknown loan on my report that's not mines at all show XX/XX/XXXX. I am filing this initial complaint being consumer financial protection bureau helped with clearing a unknown item recently. There is an account that show as a collection that I don't have and not aware of and I am demanding that this account be deleted & removed permanently from all 3 credit bureaus - XXXX, XXXX XXXX , & Equifax based my research says by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of XX/XX/XXXX.
Consumer complaint received 2019-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (VA)

I have been trying for three years to dispute a credit card on my credit report. I have filed with XXXX with no results. It is Barclays Bank Delaware for {$460.00}. This is not my account. I am a victim of identity fraud. I have never had a visa or mastercard issued by this company.
Consumer complaint received 2021-09-02
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. (NC)

I have disputed this account XXXX  to every bureau and have summited documentation from XXXX  support my claims of fraud and has ask each agency to remove the account from my credit report completely and all its negative remarks
Consumer complaint received 2019-03-12
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: U.S. BANCORP (TX)

On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA, they told me they would not remove the inquire. This is a violation.
Consumer complaint received 2021-05-21
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. (FL)

I sent out a letter To Verify The Accuracy On my Credit Report on XXXX. It's been over 30 days.I have not yet gotten a response. They failed to provide me with supporting document as proof. The FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted.
Consumer complaint received 2019-03-12
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)

On XX/XX/XXXX, I filed an Identity Theft Report with the FTC. As recommended by them, I notified all 3 major CRAs by using the sample letter provided on the FTC 's website. The certified letter to Equifax was mailed out XX/XX/XXXX and was received by Equifax on XX/XX/XXXX. I attached the FTC-report, the letter to Equifax and the certified mail receipt/proof of delivery. 

On XX/XX/XXXX, Equifax responded in a letter ( Confirmation- # : XXXX, attached ), stating that " at this time, they will not block the information subject to the submitted identity theft and/or police report provided as part of the dispute ''. In addition, they stated that they would " contact each creditor directly to verify the accounts/s on my behalf. '' In my opinion, this was already a violation of section 605B of the FCRA since section 605B clearly advises the CRA what to do. Under 605B, a CRA can only deny a request to block information under specific circumstances and if they elect to do so, they have to inform the customer of said reason which Equifax failed to do in this letter. In addition, it does not make much sense to seek information from the original creditors to determine if ID theft occurred. Under 605B, it is the CRA 's job to NOTIFY the creditors of ID-theft, not to initiate a 30 day dispute and rely on information obtained by the creditors because in case of ID-theft, creditors often don't have this information. That's the idea behind 605B. 

On XX/XX/XXXX, Equifax sent another letter ( Confirmation- # : XXXX ), providing me with the results of their investigation. Only a few accounts were removed while others were " confirmed ''. Between now and then, even a " confirmed '' account was deleted by the creditor ( i.e. XXXX XXXX  ) which indicates to me that Equifax failed to investigate properly. 

As of today, the following fraudulent accounts are still not blocked on my Equifax-report : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and ALL four ( 4 ) XXXX XXXX XXXX collection-accounts ( see attached list ). 

As I pointed out at the beginning, all 3 major CRAs ( so XXXX   and XXXX as well ) were provided with the same sample-letter and documentation. For your information, I attached a copy of their investigation results. As you can see, they have blocked ALL accounts in question from their reports.
Consumer complaint received 2019-08-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (KS)

For the past 30 years my husband conslated student loans which we were forced to consolate at 8.3 percent will not be able to refinance and from a loan. We have tried for 20 years to get public service student loan forgiveness and XXXX forgivenss, but the same patters happen things paper gets lost, they never recieved it, or we never qualify for what ever reason a loan of XXXX has now increased to XXXX because instead of sallie maie and navient helping us they pushed us into forebarance which that company capitalized in thier inrest into the amount that is now.  Our salaries will never let us pay that amount off.  We are both XXXX  years old and will never be able to retire. Naviet and sallie mae are crooks that guided us into debt that we will never be able to pay. We need help!
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (MD)

Submitted a loan application and received a locked Loan Estimate on XX/XX/XXXX. This Loan Estimate did not have an amount disclosed for Transfer Taxes. I received 6 revisions of this Loan Estimate, all with minor or expected changes. On the 7th revision dated XX/XX/XXXX, I noticed a new charge of {$3300.00} for Transfer Taxes. Creditor indicated reason of Loan Estimate revision was " New information unknown at time of original LE ''. There has been no change of circumstance to my loan application. There is no new information about the borrowers that was not previously submitted to the creditor during the application. I tried to no avail to get the charge removed after quoting TRID rules that state transfer taxes are subject to the zero tolerance standard. I am also confident that the creditor is not computing the required transfer taxes correctly and overcharging the transfer tax by about $ 3,000+.
Consumer complaint received 2019-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (FL)

I found out back in 2017 that someone in XXXX, FL opened a XXXX account under my name ( without permission ). This bill/account was placed in collections by : CREDIT MANAGEMENT LP. I filed a police report for identify theft and submitted appropriate documents ( i.e. utility bill -to show that I live in XXXX , FL , the police report, consumer rights notice, fraud paperwork, and ID ) to XXXX and the debt collections company. However, the claim was disputed by the company and remained on my account. I have recently tried to dispute this account with the debt company and have been told again and again that " the information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated ''. 

I need assistance. I am in the process of looking to purchase a home and I can not move further with the process because of this debt. I am extremely frustrated because I did not authorize anyone to use my personal information to open the account, yet I am being penalized for someone else gaming the system. The debt company did not conduct a proper investigation into this claim.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Neon Newco Corporation (AZ)

I received what looks like a real credit card in the mail from Netspend. Their website says they do prepaid debit cards, that's the only way I know what it is. I didn't order this and suspect it's fraud. There is no way to contact Netspend to ask why I'm receiving the card. The phone number is just a recording tree that doesn't answer my questions and won't allow me to speak to a person. 

I was a victim of identity theft this year and want to make sure this is not part of that. The card has my name on it and all the usual terms and conditions paperwork that would normally be included with a debit/credit card. 

I also read online that some people are being issued their stimulus payment through NetSpend but I already received mine so I shouldn't be receiving a second one.
Consumer complaint received 2019-01-08
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX I ordered a queen size XXXX  brand memory foam mattress from XXXX seller storefrontXXXX using PayPal credit. I received my item on XX/XX/XXXX. The item was drop shipped from XXXX and came in a plain cardboard box. I opened the memory foam mattress which come compressed in the box. Once you open these mattresses they expand to full size. Because the seller shipped this item from XXXX and selected the option for 'gift ' there was no paperwork to indicate the size, nor any indication on the box of the actual size of the mattress. When I opened the mattress, it expanded to full size and only then did I realize that I was sent a twin size mattress, and not a queen size. I immediately started the return process and the seller agreed to take the item back for a full refund. The seller provided a shipping label, but the label was not for the proper size item. Now that the item had expanded, XXXX would not accept it. That same day I attempted to contact XXXX, where the item was shipped from, to arrange a large item pickup ( a service they offer in these cases ). XXXX told me that because I did not purchase the item, that I could not make those arrangements so I contacted the seller to request advice on sending the item back. On XX/XX/XXXX, at XXXX EST, I contacted XXXX  support because I had not heard from the seller and needed assistance returning this item. I was told by XXXX  support that they would reach out to the seller to request arrangements for shipping and that if the seller did not respond by XXXX the case would be decided in my favor and I would receive a refund due to XXXX 's buyer protection. On XXXX I received an email stating that the seller asked XXXX to close the case and it was decided that I would not receive a refund. The seller still never responded to any of my messages and XXXX made no attempt to contact me about the case prior to closing it. The case was also closed early, without allowing me the full amount of time to send the item back. On XX/XX/XXXX, at XXXX I contacted customer support at XXXX who told me the decision could not be overturned and that I would need to contact paypal for further investigation. PayPal has refused to accept my dispute or appeal unless I pay for shipping the item back to the seller which would cost in excess of {$150.00} when the seller could easily just contact XXXX and arrange shipment.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

My name is XXXX XXXX and I contacted Syncrony Bank via online chat on XX/XX/20 and I chatted with an agent that first off did not provide their name and that advised that I had to enroll in e-statements in order to view previous statements. The representative in my opinion was robotic and scripted. I felt that I was forced to enroll in e-statements instead of just being able to view previous statements whenever I wanted.