davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NC)

Dear Sir or Madam, I'm XXXX XXXX from XXXX, NC. I've been disputing this collection agency Hunter Warfield , Inc.XXXX XXXX XXXX XXXX. XXXX, FL XXXX, Phone : XXXX, Email : XXXX. I'm XXXX XXXX from XXXX, NC and I'm disputing a company called Huntington Warfield. I have contacted this company on several occasions since XXXX to resolve a debt that I disputed from a company name XXXX XXXX XXXX, that I had rented a home from over 2 years ago that claimed that I owed monies for basic wear and tear of the rental home. Therefore, they had sold the account to Hunter Warfield who has been harassing me for a couple of years to collect approximately {$2000.00} dollars. Therefore, this year Ive tried to contact to resolve the collection debt and to negotiate a pay-off. On XX/XX/XXXX, I called to negotiate a pay-off and the lady on the line stated she will allow me to settle and pay {$1400.00} to pay the {$2000.00} balance off in full. Therefore, I gave her my credit card information and paid {$1400.00} and she stated that I will receive a receipt that the debt was paid in full for the complete balance within 24-48 hours to my email. The complaint is the following day the lady calls back and states that I owe {$1500.00} more dollars before the debt will be paid off. I then reiterate what she had told me on XX/XX/XXXX, that my account balance was paid in full. She stated that she didnt tell me that. I was very upset and I disconnected with the lady at Huntington Warfield. I decided to call back on XX/XX/XXXX, and requested to speak with a manager and received a gentleman representative that stated I owe over {$2000.00} now and stated that the lady representative did not suppose to have negotiated with me on the balance. My second complaint is that they are trying to scam and price gauge me because my debt was only {$2000.00} and I paid {$1400.00} on XX/XX/XXXX. Therefore, how do I still owe {$2000.00}? Please help this collection agency has made my life so miserable and they are allowing me from being able to rent another place for me and my children to live and at this time we are currently XXXX. Please HELP! 

Thanks, XXXX XXXX
Consumer complaint received 2021-04-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CO)

My Coinbase account was compromised on XX/XX/2021via a SIM Swap and stolen email. My email account was stolen and 2fa was changed so I can never get the email associated with my account back. 
I tried to report the SIM swap to Coinbase via phone and by creating a support ticket but responses were apparently routed to the stolen email account. I have created tickets with my current email account that was not stolen and have received responses that a specialist would contact me in 4-5 days. It has been 2 1/2 months and I have received nothing but form email responses. I have tried opening multiple tickets and they get consolidated back into a single ticket with a promise of a response in 4-5 days. 

I need to get my account back so i can file taxes and see what the thief stole. In addition, I have funds on other exchanges that are frozen waiting for verification of transfers from Coinbase to confirm my identification that I can only get if I'm logged into my account. 

The current support ticket is Case # XXXX - Stolen email
Consumer complaint received 2021-04-27
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/XXXX my brother in XXXX XXXX XXXX XXXX sent me XXXX US dollars from his PayPal account XXXX to my PayPal account XXXX. I have been a member of PayPal since XXXX. PayPal refused to release my money and said they would freeze my account for 180 days. I tried to call them but there is no reachable phone number. I can only talk to them via Chat. I only get canned responses from the Chat. They said they would freeze my account for 180 days and that I could not nothing about it. My name is XXXX XXXX XXXX. I have attached my US passport of proof my identity.
Consumer complaint received 2019-02-22
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. (TX)

I have disputed this outdated information several times. They remove it and then wait and add it back with a later date. The loans are from 2003. IRS has garnished taxes to pay balances yet they are still being reported.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NE)

On XX/XX/XXXX I submitted a dispute with XXXX about 5 XXXX XXXX XXXX   accounts that are showing on my report. The amounts of the 5 accounts are {$2200.00}, {$3500.00}, {$3700.00}, {$4500.00} and {$5100.00}. I requested for them to send me a signed contract ( proof ) of these and was only told they have been verified but nothing was sent to me in my file to show me a signed contract. On XX/XX/XXXX I submitted another dispute with XXXX about 5 XXXX XXXX. XXXX    XXXX accounts that are also showing on my report. These amounts are {$4500.00}, {$3500.00}, {$5800.00}, {$7500.00} and {$3600.00}. I requested the same for these accounts, a signed contract ( proof ) and was told the same, they have been verified but NO proof was sent to me in my file. All 10 of  my disputes were updated on XX/XX/XXXX. These also show on my XXXX and Equifax report as well.
Consumer complaint received 2019-02-22
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: Upgrade, Inc. (GA)

Someone opened an account fraudulently in my name. The company is still reporting the fraud on my credit report. I have contacted them and the credit bureau requesting that they block the items within 4 businesses per the FTC law. The company still refuses and is not assisting me with this process.
Consumer complaint received 2020-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (FL)

On XX/XX/XXXX and XXXX I was assessed 7 overdraft fees on transactions. I dispute the validity of 5 of them. 

I overdrafted in the first place due to a deposit from my employer not arriving as previously expected, so I do take responsibility for XXXX of the transactions overdrafting. 

All transactions were initiated on XX/XX/XXXX, though some I have since been told did not officially post until XX/XX/XXXX. I began my day with {$170.00} in my account and initiated the following transactions first : {$9.00} - XXXX {$43.00} - XXXX XXXX {$37.00} - XXXX {$9.00} - XXXX  {$64.00} - XXXX Those transactions total {$160.00}. Each was initiated when funds were shown as being available in my account. 

The following two transactions occurred after {$300.00} - ATM Withdrawal {$92.00} - XXXX PNC is claiming that the first 5 transactions did not officially post until the XXXX or later, even though they were initiated first. They in turn posted the {$300.00} withdrawal as technically first then, causing all transactions to overdraft - even though when they were initiated funds were available. 

I've subsequently been told it is my job as a consumer to guess when a transaction may technically post and I shouldnt assume it will the day the transaction actually is initiated. This feels against the spirit of the CFPB rules on this topic. 

I checked my available funds, they were there, I initiated my transactions, I ended the transations still with funds in the account, but another transaction jumped to the head of the line and caused the overdrafts. This is not fair.
Consumer complaint received 2018-04-06
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: EQUIFAX, INC. (NJ)

I have tried continuously to have - Delinquent past/present obligations removed excessive number of inquiries, and installment late accounts removed from my credit report. I have submitted documentation XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
During these submittals, I have supplied information that stated these accounts were settled/with settlement letter and they should be deleted from my report. There are numerous reports and inquiries that are over seven to ten years that I have also asked to be removed. 
There are incorrect names, addresses, and phone numbers. 

I am requesting that someone help me to fix these issues, so I can continue towards a better future. Thank you for your time, XXXX XXXX
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MA)

I keep getting emails for increasing my rewards that can be used as a statement credit at least twice a month. I activate by clicking link. Sometimes I get message I am already activated. I have accumulated XXXX points according to my statement. Every statement had showed an increase in points. I try to redeem but there is no option for statement credit. So I also tried to redeem for store and then my point drop to XXXX cents. I thought maybe it's me that I am doing something wrong so I have tried multiple times. I used contact link and said how do I redeem. I got email saying to use the link on website the same one that I did and could not redeem. I have other credit cards and I have had no problems getting points redeemed. I am really bothered that they try to keep me using this card by their numerous emails to activate for statement credits. This is a shop your way rewards card. This is deceptive and fraudulent advertising. Small print says terms subject to change but why keep sending these emails if the terms are not statement credit if not to keep deceiving me into using their card.
Consumer complaint received 2019-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TCF NATIONAL BANK (FL)

XXXX XXXX XXXX XXXX is reporting negative information to my credit report as a debt collector. The debt they have reported is for {$300.00} from TCF NATIONAL BANK. I do not desire to work with a collection agency under any circumstances for this reported debt. The debt is with TCF NATIONAL BANK and I am able and willing to settle the debt with them. The reason the debt with TCF NATIONAL BANK was not been paid, is because I believe I was charged excessive fees for an overdrawn checking account. I've been in contact with TCF NATIONAL BANK multiple times regarding the debt but did come to an agreement for the settlement amount. I would like to settle this debt with TCF NATIONAL BANK directly.
Consumer complaint received 2019-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (PA)

XX/XX/XXXX XXXX charged m card for a service I did not purchase XX/XX/XXXX - contacted chase to dispute charge. 
XX/XX/XXXX - XXXX issued credit to my account per email they sent me. I forwarded the transaction info to Chase. 
XX/XX/XXXX - Chase contacted by letter & asked me to call them. They needed further info XX/XX/XXXX - Emailed letter to Chase with billing information and asked them to remove charge XX/XX/XXXX - Sent above email again & included a copy of a CHAT from XXXX saying they will credit the charge XX/XX/XXXX - Heard nothing. Called Cahse spoke to XXXX. She saw a credit on my account and recommended I wait for call from dispute dept. 
XXXX Charge still on statement but said payment not required. 
XX/XX/XXXX - Spoke to XXXX in Disputes at Chase - stated she will issue a courtesy credit within 15 Business days due to Supervisor Error XX/XX/XXXX _ spoke to XXXX/Supervisor. Was told Dispute dept. declined the credit because the transaction is too old. We got XXXX on the line and was told they processed a credit in XX/XX/XXXX and it was returned by Chase ( they did not post XXXX 's credit to my account ). 
XX/XX/XXXX - I submitted a complaint to the XXXX, XXXX XXXX against XXXX. 
XX/XX/XXXX - XXXX from Disputes Dept. told me he was investigating the XXXX complaint & will contact me back within 2 weeks. 
XX/XX/XXXX - I emailed Chase with XXXX 's credit memo info. to XXXX ( XXXX provided this email address ) XX/XX/XXXX - Emailed XXXX to follow up on investigation. I asked to be called or emailed regarding the status of XXXX 's investigation. 
XX/XX/XXXX - Received letter in mail from Chase dated XX/XX/XXXX. Letter stated they considered charge valid because of the significant amount of time that passed since my account was charged. They also stated the Merchant refused to issue credit ( even though I sent them proof from XXXX that a credit was issued on XX/XX/XXXX.
Consumer complaint received 2020-05-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (KS)

I put the dispute in XXXX in wells fargo because I buy a travel in book it and the in send the lettle with notifications the cancel my trip and call my bank for option, but my bank no help just said no probe enough and closed my dispute sorry for my XXXX
Consumer complaint received 2020-05-26
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)

someone use my identity and open auto loan, auto insurance, credit card and cable service I am a victim of identity theft I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-10-05
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit reporting act XXXX account : 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. Section 604 a, Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-05-26
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. (CA)

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Consumer complaint received 2020-11-24
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. (CA)

I have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with Equifax on my behalf, with no response from Equifax. also i disputed with Equifax 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from the bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem.
Consumer complaint received 2019-02-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (MO)

Hello-I am in the process of obtaining a mortgage. The credit card debt was paid in XX/XX/XXXX through a wage garnishment but the attorney ( XXXX and Associates XXXX XXXX XXXX XXXX OK XXXX ) has not provided me a Satisfaction of Judgement to me after my request in mid-XX/XX/2019 nor provided the XXXX XXXX MO XXXX XXXX a release of debt. I am in danger of losing this mortgage due to this matter.
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

I have direct deposit on my NetSpend card and I lost my NetSpend card and canceled it and I have been trying to transfer the amount allowed to another NetSpend account and have been trying for three days now with no success because they keep giving me a hard time and i have called a total of 14 times in one day alone and getting some recording 4 times in a row saying they could not hear me and it was my phone that was having difficulty and each time was the same voice and same exact message pretending to speak to me when it was just a recording. also they went from giving me different information each and every time i called about how much money i was allowed to transfer and each time i was getting told the amount went lower and lower at the very end i was only able to transfer XXXX dollars, which makes me feel like i am being deprived of my own earning and they have complete control over my money. in the end i asked to speak to a manager or supervisor with the last 3 reps i spoke to and each time they were hesitant and made me wait more then 45 min each time to then lose the call when being put on hold, so i decided to wait another 45 min one last time and finally i was able to speak to management which also gave me a hard time. so they went from me being able to transfer XXXX in the morning to XXXX dollars by XXXX XXXX  a total of 1 hour and 45 min i think is not fair or comforting plus they would not give me contact information on anyone above them to contact and kept telling me that they would send an email to them and i would be contacted in two days. lastly it has been more them 2 months that i expedited my order for a new card which i was charged and was to get in the mail within 2 days and never have recieved it and i have called many times about the matter each time being told that they will send a new one and cancle the last one ordered so that why i have to keep transfering money to a new card each time and being charger XXXX dollars for each transfer which is robbery when they are failing to meet my needs as a customer. this is my hard earned money and they are holding and keeping it away from me.
Consumer complaint received 2019-02-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Coinbase.com represented on their website, and app, that a money transfers take 3-5 business days to complete before funds are available to transfer out ( such as transferring to another cryptocurrency exchange ). After I submitted the money transfer ( on XX/XX/XXXX ) I received a confirmation email stating the funds will not be available to transfer until XX/XX/XXXX. That's 13 business days ( 17 calendar days ). 

They misrepresented the time scale by almost double. Locking up my funds, past an important date for a specific crypto investment I was going to make at another crypto exchange.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (NY)

XXXX , XXXX  is violating the access to my credit report as per the FCRA. My FICO score is XXXX, they released negative information that does not exist when I applied for a credit line. To access my report or Freeze my report I need to mail my personal information ... including Photo ID, SS number and additional items to prove my identity. This is not open access to my credit report. I can prove my identity in many ways but not at the jeopardy of my personal information being stolen via the mail or improper handling or disposal by XXXX. 

After calling them they were not able to offer an alternate way to access the information. They could not explain the details that were reported in my denial or scoring. Based on my experience and research they have no interest in providing a remedy or following the proper FCRA guidelines. The big three credit agencies lost the second largest class action lawsuit in US history for these exact same practices. Who is policing these pop-up credit reporting agencies? Their practices are intended to avoid letting consumers access to credit reports to dispute false information.
Consumer complaint received 2020-12-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (GA)

I represent XXXX XXXX, who is currently in litigation with the US treasury. We have sent multiple cease and desist letters and told Nelnet to stop contacting XXXX while we prepare a complaint against them for a host of consumer protection violations. They began calling again on XX/XX/2020 2020
Consumer complaint received 2020-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (PA)

XX/XX/2020 Home Depot Consumer {$7800.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, CA. XXXX, Current Creditor : XXXX XXXX XXXX, sent to me, while no such account ever existed but claimed CITIBANK N.A. as original. Smelled fraud, checked online, many fraudulent reports/complaints. Afraid to contact in lieu of scam artists or identity theft. 
XX/XX/2020 Best Buy Visa {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA. XXXX, Current Creditor : XXXX XXXX XXXX, sent to me, while no such account ever existed but claimed CITIBANK N.A. as original. Again, afraid to feed into a scam. 
XX/XX/2020 Home Depot Consumer {$7800.00} repeated. 
Filing report with CFPB, consumerfinance.gov. Given a common name, and no record of ill credit, misidentification or wrongful contact likely at the least. Fraud, identity theft, or scam more possible.