davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (PA)

On XX/XX/XXXX I was transferring digital currency called Basic Attention Token BAT from my Coinbase digital wallet back to my Coinbase Pro   account. The XXXX BAT never reached my Coinbase Pro account. In fact there is no record of the transaction anywhere I could  find. I made transfers of other digital assets before and after the disputed transaction without issue. I have made multiple formal complaints to Coinbase requesting my account be credited the XXXX BAT valued at approximately {$460.00} usd at the present moment I'm drafting this. They provided me with a " canned '' response on XX/XX/XXXX. Their response addressed none of my issues nor did it provide a explanation of where my digital assets went. I again filed another formal complaint on XX/XX/XXXX for the same exact issue and have yet to receive a response. In researching Coinbase they have a documented history of ignoring and or not resolving customer complaints. While {$460.00} isn't a large sum of money it's unacceptable that they will provide no documentation or explanation as to where my digital assets are.
Consumer complaint received 2018-11-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (GA)

I have a vehicle through Exeter finance and I have had bad experiences with the company. The company is very poor at customer service. I had an issue with my car it got reprocessed. They sent the car to XXXX Georgia for auction not even a day after reprocessing it. I called and I paid up to {$3000.00} to get my car back and still had to travel 4 hours to get my vehicle. I called today about my payment for Friday, the first thing the rep brings up is the broken promises on my account. It has just been a negative experience dealing with their customer service and their company.
Consumer complaint received 2022-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

National Credit System has been reporting an old debt and has completely false dates about when I was living at the complex for the lease agreement. I do not know if National Credit Systems is the one providing false dates or if they purchased it with false dates. I have not lived or paid anything to the management company in over 7 1/2 years. I called them and spoke with a nice representative telling me I need to file a police report about it. I have asked for these documents that supposedly say I lived there in XXXX, which is impossible as I was under a different lease agreement at the time in XXXX XXXX. I have yet to receive these documents via email as requested. When I do receive them I will investigate further. Am I actually required to file a police report for false aging of a debt?
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK (CA)

Yesterday I filed a complaint with cfpb about Freedom Debt Relief. The case number is : XXXX. CFPB contacted Freedom Debt Relief LLC to resolve the matter. However, my payoff amount with XXXX XXXX XXXX  was {$390.00} before contacting CFPB. Upon looking into my dashboard on the Freedom Debt website, the payoff amount has changed to {$420.00}. Also, I think they may be hiding some of the money that I deposited into their account. Is there any way that cfpb can audit this company to make sure that they are not stealing funds from customers?
Consumer complaint received 2020-08-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Choice Recovery, Inc. (GA)

Was making payments when i went the office after see by doctor. Never gave me receipts. Paycash .now there lawyer put it in collections ruding my credit score.please help to take care of this problem .eye doctor. Oh by the way had to find another doctor after my XXXX  XXXX. Wish was hard to do stressful.
Consumer complaint received 2020-08-09
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. (MD)

- i had a XXXX XXXX XXXXXXXX credit card for 25 years. 
- in XXXX of 2019 i disputed a charge with a vendor - XXXX XXXX XXXXXXXX said they reversed the charge - i did not pay it - XXXX XXXX  XXXX charged me a late fee and interest for not paying the statement amount - XXXX XXXX XXXXXXXX reversed the late fee, but the incident is showing up on my credit reports as a late payment - i closed the account in XX/XX/2019 - 25 years i never paid late or underpaid the amount owed, and mostly kept a XXXX balance
Consumer complaint received 2022-08-02
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. (PA)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX**** Balance : {$0.00} ; XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX Date of XXXX XX/XX/2020
Consumer complaint received 2021-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (OR)

On XX/XX/2021 I used a website called simplex to purchase {$500.00} worth of XXXX. After receiving a text from Wells Fargo asking me to confirm that it was me who attempted to make that transaction, I replied with yes. After authorizing this one transaction of XX/XX/2021, there proceeded to be another 19 charges to my debit card in the following 30 days that amounted to {$4100.00} on this website for purchases that I did not authorize nor did I partake in the making of these purchases in any way, shape, or form. I do not check my bank account every day as I am a student in dental school, so I have a very busy schedule. This is a company that is located somewhere in XXXX, and I attempted to reach out the them multiple times and received nothing but automated responses in return. I use the services of a company called XXXX, which allows you to make a purchase and pay it off incrementally later. After attempting to pay my balance off at XXXX, I received a email from Wells Fargo that my account balance had reached {$0.00}. I went to check my balance and realized that I had received over {$100.00} in overdraft fees, on top of having a negative balance. I then glanced through my charges to see where my money went, disputed all of the charges I did not authorize, and had my dispute promptly denied by Wells Fargo the next day. I did not make these purchases, and I did not present my debit card to the merchant nor did I enter a PIN. My card was ran as Credit and my account was completely drained, on top of this, it was cryptocurrency which was purchased, making it untraceable and impossible for me to see where my funds were sent. After calling Wells Fargo and explaining that these charges were not made by myself and that my card was ran as Credit, they told me they had no other information for me and to have a good day.
Consumer complaint received 2018-11-12
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 : ref XXXX letter of violation FCRA623 and FDCPA806 { b } which states that the creditor must enter a notice of dispute .if this is not entered the account can not report on the credit report, : you have been reporting with out listing dispute for last 6 months sense i started disputing this account { 1 } no dispute information { 2 } no last payment { 3 } showing a balance { 4 } No information on who claims they own account but reporting XXXX XXXX Who do not own account You equifax could not of investigated this account when asked because the information was wrong you are required to remove this at once NO 60 Investigation on your self for violation REMOVE AT ONCE FROM MY REPORT
Consumer complaint received 2022-10-25
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. (NJ)

I am a natural person, I am a living human being, I have rights under 15USC 1681.Equifax is XXXX by 15USC 1681and they have violated my rights numerous times! I demand that the accounts listed below be removed because according to 15USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. Also accordind to 15USC 1666a ( 2 ) of this title and such amount may not be reported as delinquent to any third party until the creditor has met the required of section 1666 of this chapter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (PA)

Reviewed my credit report in XX/XX/2022, sent a dispute letter to the company on XX/XX/2022 asking for validation of the debt. Also, never received first notice to dispute the debt. Company responded stating the account was sold to them by XXXX. I have no knowledge of this debt, company failed to provide signed application and agreement. The debt is also 7 years old. The company refuses to delete the account from my credit report. I have no signed agreement with the collection agency who purchased the debt.
Consumer complaint received 2019-09-04
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. (CA)

On XX/XX/2019, I submitted a price match through Citibanks Price Rewind program for the XXXX XXXX XXXX cellular phone purchased on XXXX XXXX   website ( XXXX  ) using my Citibank credit card. The price was listed at {$890.00} as reflected in my invoice. I also participated in XXXX Trade In Phone Program that will provide up to {$200.00} in credits if they decide to accept the trade in after receiving the old phone. The total purchase price with the trade in is {$770.00} ( including taxes ).

I have a temporary {$200.00} credit until the manufacturer makes a determination on the phone ( assess condition, operability, backlisted etc. ). I then proceeded to submit a price match request using a lower amount I found on XXXX ( XXXX ) for {$630.00}. The total price difference is {$890.00} XXXX is {$260.00}. Per Citibanks terms and conditions : Maximum Benefit per item The lesser of the following : {$200.00} The amount charged to the Citi card I understand that the maximum benefit I would receive is {$200.00}. However, on XX/XX/2019, I received notification that I would be reimbursed for only {$60.00} instead of {$200.00}. Citibank instead factored in my trade in price instead of the full amount. The terms and conditions do not indicate a price match of an after-trade in price to a competitors price. On the same day I received this notice, I called Citibank to resolve this issue by asking where in their terms it indicated an after trade in price will be factored in the price match? They were unable to locate such terms ( https : //www.citipricerewind.com/guide ). After being put on hold for extended periods of time, the Citibank Rewards Program representative finally responded by refusing to honor the terms of their price match program.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

This was not sent in error. I, XXXX XXXX am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my consumer report. Unauthorized use of my credit report.
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Went car shopping multiple inquiries supposed to count as one inquiry if within 30 days. Called to dispute. I did not ask for the items to be verified and thats all they did.
Consumer complaint received 2020-08-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C. (IN)

Blitt and Gaines never validated a debt that lead to my checks being garnished. As of this date, they have garnished almost XXXX XXXX dollars more than the amount owed and them not showing any evidence that this garnishment is ending and/or overpaid amount being returned.
Consumer complaint received 2020-08-09
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)

XXXX XXXX was paid in full. They never closed the s count acted I paid it. Last month I disputed the incorrect account information with them about the inaccurate detailing of this account. They have entirely two different balances on my Equifax and XXXX reports. They then pulled me credit last month twice without my consent and then flagged my credit report as 30 days late after I disputed. These people are crooks. The credit bureaus keeps verifying the account and havent seen proof of how they verified.
Consumer complaint received 2020-08-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (VA)

From early XXXX until the intended close date of XX/XX/XXXX, LoanDepot erred through a lack of oversight and communication ( subsequent to my discovering/escalating an issue ) regarding an intended mortgage in the amount of {$340000.00}. 

Details within the attachment. You'll see LoanDepot 's nonperformance was exacerbated by a deliberate lack of communication ... and subsequent deception ... as I tried to fix their problem and affect the close.
Consumer complaint received 2018-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MA)

XXXX XXXX XXXX XXXX  XXXX has been stalking me. They call my house and cell and say theyre going to contact my job or they have. Im in maternity leave. Its a Robo call threatening to sue me and find me at my job. I finally called them back last week and spoke to a XXXX XXXX. She said look for your documents in the mail our records say otherwise when I said I dont owe anyone. She said I owe CitiBank. Ive never done business w them. I asked for the company name and she gave it. I asked for a mailing address and she refused. 

Today!!! They called again so I called Citibank directly. They have no record of me using my social ( as I expected ). They told me not to give out any info Bc its probably a scam. 

My issue is I want them to STOP calling me. The number they leave is XXXX. The case number they leave is XXXX.
Consumer complaint received 2020-08-09
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: JPMORGAN CHASE & CO. (MA)

I was shocked when I reviewed my credit report and found late payment on XXXX - XX/XX/2014. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-06-25
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. (PA)

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 it is plainly stated that a failure to investigation. These items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and many have got into the hands of the wrong person. 
Following up with Equifax over the phone on XX/XX/XXXX I was told the items will all be removed immediately from a representative confirmation # XXXX. He told me all I had to do was update the FTC report with the correct account numbers in which he provided. The rep stated it should be updated within 48-72 hours. the rep provided me with a fax number XXXX. I called back again on XX/XX/XXXX and another rep said he would delete them and my account will be updated in 48 hours just give the system time to update confirmation XXXX agent XXXX.
Consumer complaint received 2021-06-25
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)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-06-25
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 (IN)

Using my XXXX XXXX card via Synchrony Bank I had filed a dispute with and XXXX provider that will not stand by the one year warranty. The dispute was submitted to Synchrony Bank by filing and online and by phone dispute. Since that time, Synchrony Bank ignores my complaint and keeps asking me for tracking on the return to the merchant. They have been told repeatedly that there is no return and that the merchant refuses to exchange or refund my money. Synchrony Bank tells me that they have tried to reach me but that is also a lie. I get email and letters in the mail saying the dispute is closed then a phone call stating that they are working on it then emails saying it is closed again. They need to have a dispute area where you can actually talk to someone. Please see the uploaded PDF
Consumer complaint received 2018-11-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (LA)

The payoff amount was too high. The loan of {$1000.00} was funded on XXXX XXXX and the payment was at {$290.00} for 12 installment payment with the first payment on XX/XX/2018. On XX/XX/2018, I request to skip the payment and a settelement was  agreed that I have to make a double payment on the last payment ( the 12 payment  schedule ). However, On XXXX XXXX, I called Lendgreen to make a payoff of my loan in the total amount of {$1500.00} ( Principal plus Finance fee ) and I tried to request for a lower finance fee since the loan is going to be paid early but It was not turned down and told that the final amount is final. The total amount was debited from my bank account on XX/XX/2018. 

The finance fee is more than 1/2 of the loan principal and it was only on a period of 1 month and 9 days. ( XX/XX/XXXX-XX/XX/2018 ).
Consumer complaint received 2020-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (IL)

Every time I try to log in into paypal, I get a message stating, " Sorry, we can't log you in. If you think there's a problem with your account, please contact us ''. I keep getting orders from XXXX that have money deposited into the paypal account, but you won't let me log in to ship the items. Therefore, you are now stealing thousands of dollars from me. I can't contact you without being logged in, and you refuse to answer your phones. 

You're a terrible worthless company and I'm glad XXXX is moving to their own platform so I won't ever have to deal with you ever again. You won't ever get a single cent from me after this.