davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A. (FL)

I closed a checking and savings account with PNC BANK XXXX XXXX and while i was closing the account XX/XX/2021 the bank account charged a fee of {$40.00} which was then waived. PNC Bank however is attempting to report my closed accounts to a consumer reporting agency. I spoke to PNC bank directly that has assured me there is no pending balances or unpaid charges on the account. The account numbers are XXXX and XXXX
Consumer complaint received 2021-04-09
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. (CO)

I recently consolidated my student loans which were effective XX/XX/XXXX. The consolidation went through XXXX/Department of education and is now listed as a new account on my credit reports showing a partial account of XXXX see below. This information is correct but all 3 credit bureaus are still showing the old student loan from XXXX with a partial account of XXXX opened on XXXX as still open which is now showing a double amount owed for my student loans. This is incorrect. 

The only loan on the student loans that should be showing open and current is the one that I am listing below. The one showing the same balance and opened in XXXX is incorrect and the credit bureaus are intentionally showing that account opened so that they double my debt to credit ratio which is illegal. The old XXXX account from XXXX should now report, closed, paid as agreed as it was paid off through consolidation. When it comes to Federal student Loans the bureaus are now in violation of a federal law for reporting two of the same account as opened and showing a double amount due of {$130000.00} and this is incorrect. 

This is the only student loan that should be showing up as open and paid on time as it was just consolidate on XX/XX/XXXX so the old student loan no longer exists. 

DEPT OF ED XXXX XXXXXXXX # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , NE XXXX Loan Type : STUDENT LOAN Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Balance : {$67000.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$67000.00} Pay Status : Current Account Terms : {$0.00} per month
Consumer complaint received 2020-03-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd. (TX)

On XX/XX/2020, i told Cash Store, that i will have to default on the loan, due to finational issues. They stated they are still going to remove it using my debt card info. I asked to remove my payment information. They told me no. I had to change my Debit card number. On XX/XX/2020, the cash store removed the amount of XXXX, from my checking account.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (FL)

I found out that there was a fraudulent account opened in my name through Barclays Bank Delaware on XX/XX/2020 in the amount of {$8200.00}. This account was not opened by me and I did not make any of the purchases. My spouse opened several credit cards in my name amounting to debt of {$21000.00}. When I discovered these accounts I called each credit card company and also filed a police report. I have been trying to get this resolved with Barclays Bank since last XXXX and I keep getting the run around from this company. My credit score has dropped almost 200 points because this account is showing delinquent on my credit report. Once I filed for divorce XXXX XXXX stopped paying for the credit cards he opened without my knowledge. Barclays is not addressing the problem or investigating the problem and it is ruining my credit. I have given them the police report details and everything I know regarding the identity theft, I am not sure what else to do every time I call I am on hold for 30 mins to an hour and transferred to various departments, but never get a straight answer or any real help with the matter.
Consumer complaint received 2021-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Winklevoss Exchange LLC ()

On the XXXX of XXXX I received a deposit XXXX usd into my Gemini account from a sale I made on XXXX XXXXXXXX since then Ive been trying to withdraw my funds since my bank was connected and verified already. I tried everyday but all my efforts seem futile everytime they tell me to link an account via XXXX and I do everytime. they access my bank information, a lot of my information and I can even see my bank details on the screen but after linking my bank it hits a dead end and takes me back to step 1 to link my bank to withdraw. So it seems like its impossible to withdraw my money and Ive been trying and sending emails but all I get after a while from the company is an automated response with irrelevant information from this company. I looked online and found out that countless people are going through the same thing that I am, and some have had their money withheld from them by Gemini for no apparent reason and with no contact at all for months. I dont really have the luxury to wait for months because I am in dire need of the money of my money and I feel like we are being abused by this company simply for being its customers. I even tried to buy some crypto with them which was successful. Putting money into Gemini is very easy but getting your money out is impossible because they wont let me even transfer the crypto that I had to buy into another crypto wallet. Any attempt at getting my money from my Gemini wallet hits a dead end. Theres nothing I can do and it is depressing and making me really anxious as if life is not hard enough right now. While Gemini keeps on twitting on XXXX they leave us stranded with out money in their hands locked away from us for no reason and with no explanation or communication.
Consumer complaint received 2021-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Abrahamsen Gindin LLC (CA)

I received a letter from Abrahamsen Gindin LLC collecting a debt of the Client of XXXX  XXXX. I have not gone through any company by the name XXXX XXXX. This debt showing is not mine.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

On XX/XX/XXXX I received a phone call from US bank fruad department informing me that my account will be closed due to fraud activity due to a XXXX XXXX XXXX bank transfer of XXXX from my daughter. I was told my account will be closed And it can take up to 90 days to close the account to receive my remaining balance funds through mail. on XX/XX/XXXX i went to my local US bank branch with my daughter and her valid ID and social security card to prove my innocence and to show them that the transfer was done by her and they told me there was nothing they could do my account could not be reopened. on XX/XX/XXXX my account was officially closed and I was told i would receive a cashiers check in the mail in 10 Business days of my remaining balance. it has now been past 10 days so I call my local US bank branch and they tell me my funds have not been released due to an ongoing investigation with my account even though my account is fully closed. its been over 3 months and I havent received any of my money back that I was wrongfully accused of stealing. This is not fair and not right I am at wits end me and my family are really counting on getting this money back! 


I attached 3 documents of my daughters XXXX XXXX XXXX bank statement showing the XXXX transfer, another document proving her identity with photocopies of her license and social security number front and back also a picture of her bank debt card that she used to make the bank transfer with.
Consumer complaint received 2021-04-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HYUNDAI CAPITAL AMERICA (IL)

Someone who lives in XXXX took out an auto loan using my ss number. i live in XXXX, Il and have no knowledge of who this person is or how she got my ss number. i have not purchased a new car {$400.00} is past due
Consumer complaint received 2021-04-05
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. (CA)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX  CREDIT CARD XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX  XXXX, XXXX As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2016-07-06
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Coastline Financial Resources, LLC (TX)

A company named XXXX is calling my home, my cell phone and the home of my in laws stating that they have papers to serve me and that they will be arriving at my home or places of work to serve them to me for a debt I owe. I am XXXX years old and do not work. My daughter called them and they told her it was a XXXX XXXX account opened in 2000. I have never had a XXXX XXXX account. My daughter also checked my credit and there is no record of a XXXX XXXX account. They continue to call all of us even though we have asked them to stop.
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have contacted XXXX XXXX XXXX several times and they say they have no record of my account but it continues to be listed on my report. XXXX time I called and they said it was my husband 's account but it is not listed on his credit report. They do n't know how to remove it.
Consumer complaint received 2021-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

Bank is in breach of cardholder agreement. Bank is holding cardmember liable for fraud charges. Police reports filed. Protection order in place. Bank is tampering with accounts and restricting them not allowing consumer access to funds. Bank is rejecting direct deposits and keeping the money for them self. Bank has stolen money out of consumers savings account, and refusing to release
Consumer complaint received 2021-04-05
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. (GA)

I am able to dispute letter to Equifax on XX/XX/21 to investigate unauthorized inquiries as well as accounts listed on my credit report. I have not heard back.
Consumer complaint received 2021-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WA)

On XX/XX/2020, paypal deducted all balance from my paypal acount, which is {$4900.00} USD to paypal 's own account. It says the amount was transferred to paypal. It was gone without my permission, and even didn't send me any notification. It just disappeared. I am a single mother of XXXX adorable kids. I need to pay bills for utility and the rent for the house. Life is so hard for me. Because paypal says the funds will be available for withdraw after 180days, so I didn't check it during this period. I was shocked by what payapl did to me. That is illegal to steal my money.I realize that CFPB can help me in this kind of situation, that's why i am report to you. Please kindly help me to solve this issue and get the money back.
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have multiple duplicate inquiries on my credit file. I received an notification a while back on XXXX they were removed and they have reappeared. I have alot of duplicates from the same day and that is incorrect.
Consumer complaint received 2021-04-05
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My problem is they keep reporting me as living at a former address and now list my current address as the formal. So when ever I apply for credit or anything that tries to verify my address it comes up as a problem. My current address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX ... They have my previous as current on Equifax
Consumer complaint received 2016-11-22
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc (TX)

I have no recollection of this collection.AD astra recovery. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help
Consumer complaint received 2021-04-05
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. (PA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-04-04
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: ZWICKER & ASSOCIATES (MA)

On XX/XX/XXXX I sent a check in the amount of {$2000.00} to settle a charged off debt owed to XXXX XXXX. On the back it stated " By cashing this check you agree to remove this debt from all credit reporting agencies in North America. This also resolves my entire debt with XXXX XXXX and XXXX XXXX XXXX XXXX. with this final payment. This is called XXXX and satisfaction agreement. '' The letter explained the complete transaction including file numbers and account numbers. I provided ID, proof of residency and proof of said transaction. 
At this point the account has not been removed or even labeled as disputed. 
I then sent letters of complaint on XX/XX/XXXX to XXXX, XXXX, and XXXX stating the same and requested the removal of the account with no response from any of the agencies. I sent these letters return receipt requested so I can confirm they received them. I can provide copies of the receipts if you need them. Thanks in advance for your help with this matter.
Consumer complaint received 2021-04-04
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Real Time Group, Inc. (NC)

I paid XXXX then XXXX XXXX  then gXXXX XXXX and XXXX for my second mortgage for 13 years borrowed money and paid an extra 10,000 and sent in a money gram settlement for XXXX XXXX to close and they agreed to release lien. They fraudulently did not report my payments and stole my money. They were sued and went bankrupt for not reporting payments around the same time I paid my account off. They then illegally sold my account to a debt collection company real time resolutions saying I owed almost the entire amount! They will not furnish me with any contracts and they refuse to remove the negative info from my credit report even though XXXX was found guilty and removed from my report. They are still charging fees but it says charged off years ago. They are still showing missed payments every month-they also show the terms are 17 year when it is 15 years-its also a debt collection agency and they are showing as a mortgage. They have no right to report or harass me for XXXX illegal activity. I can not sue XXXX because they are bankrupt.
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I have requested that the wrong addresses that do not belong to me be removed from my credit report. I have sent letters and go no resolve on the following dates this year : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Equifax, XXXX and XXXX has not complied with my request I demand these addresses that do not belong to me be removed immediately. 

Equifax : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX TXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2020-04-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (CA)

Westlake Finical has repo my car twice between XX/XX/XXXX and XX/XX/XXXX. Both time the repo places have messed up my car and stolen things out of it. My car company wont help me out they say that its not this problem when I ask them for a number to report damages to they give me fake numbers and Im really fed up with them and want to see what I can do to report and help for the. Damages caused
Consumer complaint received 2021-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

On XXXX i tranfered XXXX euro 's to my Coinbase account. I got a notification saying i had to pay a XXXX cents with my new XXXX euro balance so i pressed proceed. Since then i can not do anything with my account. I keep getting the notification " Payment Pending, We are still waiting for funds from a recent payment. Your account will be restored as soon as we receive funds. '' I can't buy any crypto with the XXXX still in my account but i also can't wire the money back to my bankaccount since i keep getting the same 'payment pending ' notification. I send a email to Coinbase on the same day because payments normally go true in an hour or 2. I got a mail back on XXXX saying i had to wait 3-5 business days and if it hadn't by then i had to contact them again. I waited 5 business days and nothing happend so i again send an email to Coinbase on XXXX. I got an email back on the same day saying they where giving my case XXXX # XXXX XXXX to an expert. After waiting till XXXX i emailed them again asking for an update. I didn't get a respons so on XXXX i made a new case XXXX # XXXX XXXX asking if someone could help me cause everyone stopped reacting to my old case. I got no reply so i emailed them again on XXXX again asking for support. Again no reply. So i again made a new case XXXX # XXXX XXXX on XXXX and i got a reply on the same day saying they where again giving my case to a XXXX and it was going to take up to 5 business days. I didn't hear anything so i send another email on XXXXXXXX but i haven't heard anything and my account it still broken. 

As you can see it's been almost 6 weeks with loads of promises but no actions and i still to this day ( XXXX ) can not do anything with my funds ( XXXX ). I really hope you can help me with this case since i live in XXXX XXXX and XXXX has no office here so i really have no other choice. Please help.