davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (NC)

On the XXXX of XX/XX/2021 I opened an account with Gemini and deposited XXXX USD. Shortly after depositing this money, I was informed that my account was pending verification and that my money would not be available to withdraw until it was verified. After about 2 weeks I started to try to reach out to Gemini 's customer service branch only to get nothing back except automated emails encouraging me to deposit more money. I have tried everything to get in contact with them, even resubmitting all necessary documents and repeatedly emailing them. When you call their customer service number, it simply tells you to email them which only results in an automated email. They are wrongfully withholding the money that I deposited with no way for me to reach out to them for help. By letting me deposit money before verifying my account with no way to reach out to them, they have put me in a position where I have no other option than to file a complaint.
Consumer complaint received 2020-07-01
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. (SC)

I have contacted Equifax several times about fraudulent accounts and information on my credit report due to me being a victim of identity theft. They have not acted in compliance to the Fair credit reporting act 605 b which sates that any fraudulent information resulting from fraud should  be blocked and removed immediately.
Consumer complaint received 2020-08-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (CA)

I bought the XXXX ( my first transaction ), and Coinbase froze my payment method because my bank didn't allow the transaction. I called the bank on the second day and resolved the issue, but Coinbase ignored my support messages for 10 days ( case XXXX ). I repeatedly tried to reach out to them via their support and twitter. I got responses from twitter that they're working on the support case and will be in touch. From their support, I received multiple bot-generated emails that I need to pay the balance, but despite multiple requests, they ignored my pleas to lift the payment method freeze. After 5 days they sold the currency, and after 7 days they lifted the bank freeze. Because they sold the currency, I am stuck with the $ XXXXsomething fee that I " owe '' them. 

My experience with their support has the XXXXXXXX XXXX XXXX   First, I ask them to lift the freeze, they ignore that and send a bot-generated email to pay the balance. Of course, I couldn't pay the balance without them lifting the payment method freeze, and I reach out again to lift the freeze - and I get the same bot-generated message again. It's surreal. 

Neither I nor other customers who stuck in this loop are responsible for any bogus fees associated with Coinbase 's inability to run their business. I reached out at least 5 times via email and twice via Coinbase XXXX support to deal with this problem. They didn't address it.
Consumer complaint received 2022-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (VA)

XXXX XXXX XXXX had reported on my credit report that I owed them {$1500.00} which I disputed and submitted documents to them and all XXXX credit bureau. XXXX of XXXX, Today is Thursday XX/XX/XXXX I checked my credit report and noticed that Source Receivable has placed a collection account on my credit report, for the same debt as before, I reached out to them asking for a written contract between them and myself. I then reached out to XXXX, XXXX, XXXX, which I submitted documents before explaining that this account is not mine and its someone using my information, the collection account was removed from my credit report and now XX/XX/XXXX its back on my credit report. Stating that I owe XXXX  {$1500.00} Ive never had XXXX and this is not my debt. I also submitted a copies again to all 3 credit agencies of the letter that I had sent to each credit bureau before explaining to them that I had disputed this account before and now its back on my credit report.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (KS)

Good day. I called my bank XXXX XXXX XXXX XXXX  ) to increase my withdrawal limit on cash advances as well as atm transactions. They require an identification with personal information along with a set of 4 questions operated by lexisnexis. I apparently answered one of their questions incorrectly according to their records. The complaint is 2-fold, I answered the questions correctly so either the person at the bank made a mistake or their data is flawed. The 2nd portion of this is the item that I am most concerned about, one of the questions asked was which of these people do I know. I didn't know any of them but, asking this type of question and storing this type of data about me is wholly inappropriate. I suspect that this is the question that I answered incorrectly against their records but for identification verification this type of question should not be asked and should not be considered good practice.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

There are 2 collections with date opened of XX/XX/XXXX that are showing paid with a {$0.00} balance. However, XXXX XXXX XXXX, the collection agency that owned the debt at the time that I paid, agreed they would delete these two collection from my credit report as long as I paid them in full. So I did so. Since then, this company is no longer in business and it's impossible to reach someone. I have disputed these two accounts on several occassions as well as tried to reach the collection agency but have been unsuccessful. How is it possible that I've submitted 2 different disputes with both Equifax and XXXX, the company is out of business, yet they continue to report information that is inaccurate and the bureaus are allowing it. XXXX XXXX XXXX made an agreement with me yet have not kept up their end of it. The disputes were sent on XX/XX/XXXX and XX/XX/XXXX. After researching XXXX XXXX XXXX it seems as though there was a pattern of them agreeing to these terms right before they went out of business but not actually removing the accounts as they agreed. Instead they have disappeared from the face of the earth.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

Opened an account with Barclays Bank Delaware in XXXX. The card was closed XX/XX/XXXX for non-use ( two years of no activity ). The remarks on my credit report indicates " Dispute resolved ; customer disagrees. '' I contacted Barclays at XXXX and was told that an external company ( who they would not name ) does the reporting to the credit bureau and that's what they add when they close accounts. I explained, and they confirmed the same, that I did not have any disputes, nor did I disagree with any dispute. They refused to update my credit record, advising that I could either write them via mail or dispute the information with the credit reporting agency. I have since disputed with the credit reporting agency. This is false reporting - as I did not have a dispute or disagree with any dispute - and has resulted in a decrease of my credit score.
Consumer complaint received 2020-07-01
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. (IL)

I have attempted several times to remove a chapter XXXX bankruptcy from Equifax and XXXX. Now they call the dispute frivolous. XXXX  has already removed it. Under the FCR a chapter XXXX bankruptcy can stay on your report for UP TO 10 years however, there is no law stating is has to stay on ypur repprt for 10 years. My bankruptcy has been on my report for over 9 years. Filed XX/XX/2010. It is causing undue hardship as I try to navigate around it after nearly 10 years. I have filed multiple disputes to no avail. I am not getting the letters that these agencies promised to send out once they have completed their reviews. They are using XXXX XXXX to verify a bankruptcy when they should be using the courts. Please remove as no law abounds me to have this on my record 10 years.
Consumer complaint received 2021-03-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

On Thursday, XX/XX/XXXX, I received a notification via E-mail from Wells Fargo stating, " We are updating the XXXX XXXX XXXX Addendum When you enrolled in the XXXX XXXX XXXX, you reviewed and accepted our XXXX XXXX XXXX Addendum to the Wells Fargo Online Access Agreement ( OAA ). '' I closed the only two accounts that should have been opened with Wells Fargo during XXXX of XXXX due to their unfair, deceptive, and abusive practices towards consumers. Upon receiving e-mail notification today I was worried that I had become a victim of fraud. I called the Wells Fargo customer service line, spoke to a fraud representative who works solely in the depository side of the bank, and saw that my accounts had been closed in XXXX  of XXXX ; however, my online banking access was still turned on. She stated that she couldn't turn the online banking access off that I would need to call the online banking fraud group to get the online access turned off. 

My biggest concern now is that Wells Fargo automatically opted me into using XXXX, per Wells Fargo 's press release of XX/XX/XXXX that Wells Fargo customers would have access to XXXX on XX/XX/XXXX and XX/XX/XXXX. I want to know why I was opted in to a service that I do not use on accounts that had been closed well over a year before the Service was adopted for use by Wells Fargo consumers.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (CA)

I called XXXX XXXX on XX/XX/20. I was transferred to the credit department and talked to XXXX. XXXX was super helpful and guaranteed me if I paid off the account, XXXX XXXX would delete the account from the credit reporting agencies. I did not have the money to pay off the account and said I would call back. On XX/XX/20 I called XXXX XXXX back. I talked to XXXX in collections. She confirmed If I paid off the full balance they would close out the account delete reporting. I paid the full balance of {$330.00} by debit card. On XX/XX/20 I called again as the reporting was not deleted from my credit reports. I was transferred to a supervisor who said they would not be deleting. If I had not been guaranteed that the reporting would be deleted from the credit bureaus I would not have paid the account off.
Consumer complaint received 2021-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC. (TN)

Kay Jewelers have put an account on my credit for years that.I have acknowledged too them that it is not associated with me. But they insisted that it is and which is not at all. i am a victim of identity theif.
Consumer complaint received 2020-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MS)

I need HELP!!! Please!!! This account is false and I was told on MULTIPLE occasions they had handled it and I did not owe this and it keeps showing up and its killing my credit! I have tried so hard I am a Single Mom and At 43 FINALLY got my 1st New Car by myself. I have been so thankful and diligently pay my car payment on time every single month. Then you have companies like this I pay half almost of my check that I ONLY HET ONCE A MONTH AND WORK MY REAREND OFF FOR FOR INSURANCE. These people that are saying I owe this to have generated more FALSE charges than anyone. I pay my co payment every month plus some when I go to the dr and then they come up with these bogus charges and at the office they are either lying and making false office visits and charges or someone has pretended to be me. I was told in XXXX this was taken care of I DID NOT OWE THIS and it would be removed! Well here I am XX/XX/XXXX and STILLLLLL fighting with these people. Its a shame and disgrace hard working ppl like myself who are just trying to stay afloat and take care of their families deal with this and the government freaking ALLOWS IT! They are all crooks in my eyes. I do not even go to the dr bc my freaking deductible is SOOOO HIGH but yet some how I STILL have these mysterious dr bills I keep disputing and paying XXXX to rebuild my credit but it doesnt seem to be helping. Half of the things on my credit report I am seriously clueless and havent even been to the dr AT ALL THIS YEAR so lets see if this dispute helps anything. Like I said especially now we are all just trying to survive due to COVID-19 not to mention I am a XXXX and work at a XXXX XXXX ESSENTIAL WORKER AND THIS IS WHAT HAPPENS! Thanks America and XXXX! 
Yours truly, XXXX XXXX A.K.A. Single Mom just trying to survive in todays Corona infested society!
Consumer complaint received 2020-08-20
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)

XXXX XXXX is destroying my credit score by reporting my lease as late to XXXX, Equifax and XXXX XXXX. I made arrangements in XXXX with XXXX to extend the lease the lease terms due to Covid related financial hardships. XXXX assured me no negative credit reporting would happen during our length of our agreement. would not be Not only has XXXX been reporting my account negative but they've also been assesing {$35.00} a month in late fees. I've contacted XXXX 's customer assistance department and their executive office demanding they remove the erroneous reporting. I have been unable to dispute these reports since the credit reporting agencies do not allow more then 1 complaint against the same company, causing further damage to my credit score. I spoke to XXXX on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again today XX/XX/XXXX. I was told yet again today that they have made a mistake but that only the president 's office can remove the negative reporting and that could take up to 90 days, if they actually do it. I want this removed from my credit report immediately.
Consumer complaint received 2020-10-14
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: Westlake Services, LLC (TX)

Hello, My name is XXXX XXXX. I am writing this complaint regarding XXXX. They are reporting items that do not belong to me and have failed to remove the false information. They have not been able to follow the guidelines stated on the FCRA 605B. I have tried multiple times to communicate in regards to this. I have done everything they have asked of me and yet they have still failed to remove the items EVEN WHEN THEY HAVE NOT BEEN ABLE TO VERIFY THAT THE ITEMS BELONG TO ME. They have failed to delete the items even after a lot of communication with them via certified tracked mail. They have exceeded the 30 day turn around time on multiple occasions, yet I have been patient with them due to the Covid problems and they do not have any extra time allowed, even with these issues. Also, I have verified my identity multiple times. They have been done
through the phone, mail and fax.

The following are dates that I have tried to communicate and I will be  attaching the letters sent : XX/XX/2020 XX/XX/2020 XX/XX/2020 They are more dates going all the way back from XXXX of this year.
Consumer complaint received 2018-06-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (TX)

Ally Financial and XXXX XXXX XXXX is and hires fraudulent employees that commit fraud against us as consumers and report false and negative information in order to gain more money after they have been paid in full and saying that Gap did not pay them the claim, and we the consumer have proof that it is paid in full. 
Also, XXXX XXXX is fraudulent company which did not pay the remaining balance from our Gap claim.
Consumer complaint received 2018-06-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

XXXXXXXX XXXX XXXX has called through the whole month of XXXX when i finally spoke to them the were asking for month amount between 700 to 900 a month which that is not possible i explained to them that i can afford that amount and that if it can be lower the manger i spoke to said absolutely not that is the only amount that will be. I forgot the manager name
Consumer complaint received 2020-10-29
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. (NC)

I've tried several times electronically and through hand written mail to get XXXX XXXX XXXX XXXX removed from my report. I was never in debt to them the case was dismissed in my favor by a California judge, the agency then added debt bogusly to my report after the fact. I submitted the court docs to the credit reporting agencies as proof but they refuse to remove it.
Consumer complaint received 2021-08-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (VA)

Was approved ( not stated as pre-approved but actually approved ) for {$2900.00} on XX/XX/2021 then denied on XX/XX/2021 after they received all my banking info and links to my bank account. Really feel like this is a bait and switch tactic to get all your personal information. They replied that so much had changed on my credit that they couldnt actually give me the loan they approved me for. I linked all my bank information to them and I feel like I have been scammed.
Consumer complaint received 2021-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (WA)

I have been in between different corporate jobs managing my own bank account independently ... I have been dealing with a very chronic trial and error issue. I use the Chase Mobile banking app and this issue may have been very chronic a few years ago and for some reason the scenario is back. I am repeatedly locked out of my chase mobile bank application for my phone. I do not use a browser just the application. Dealing with trying to make at least 1 claim that will match up to my complex identity issue, for some reason Chase will not make a claim for this issue over the phone. No tier, no ticket number, nothing. Just repeatedly call for the online support every week. I walk into my bank with problems ever since almost 2 months back this is happening every 3 days or once a week. This is a unresolved issue why cant I have a tier ticket? They took this up with back of the house and I am not given anything at all to what a resolution is. They will not take any of my police report numbers. If I use another bank I will not be able to have a family relationship that is convenient to me ... I am one person, I secure myself. It doesnt matter if I switch branches, the issue is a digital profile that is created off of my identity in a data base somewhere. I might even need a grievance with social security ... Either way, this problem needs a remedy. I am literally dealing with this every week. I was able to see on the screen shots they printed that I am being continuously executed in a link. There should be ways to report this to a clearing house and make that stop ...
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/Equifax/ XXXX & Attorney  General/Consumer Finance/XXXX.

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I represent that I do not owe any balances to any of these creditors nor have I ever applied for any services under these corporations or advised any to open credit it my name! 
You keep telling me that I am not the person submitting my own investigation and takedown request. Do you think I dont know how to write? I will file a discrimination complaint against you as well, if you continue to deny my request. 

XXXX ACCT : XXXX AMT : {$130.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT :  {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXX ACCT : XXXX ACCT : XXXX XXXX : {$2300.00} AMT :  {$250.00} Also, the following unauthorized Credit Inquiries must be removed immediately without prejudice : XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously submitted. All CRBs seem to gloss over my request with pleasure. 
This is again a demand to remove and block erroneous and fraudulent information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 




I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX