davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: California Business Bureau, Inc. (CA)

On XXXX XXXX XXXX, I was brought to the XXXX XXXX XXXX due to XXXX. I was still XXXX when I got there. As soon as my XXXX, I told the staff that I did not want to be treated or examined and walked out, since I was n't sure whether XXXX was going to cover the hospital bill. ( I had just received my XXXX acceptance letter shortly before this incident. ) A few weeks later, I received XXXX invoices : one from the ambulance service, one from the hospital. I called both companies and gave them my XXXX number so they could charge XXXX ( since I now knew that XXXX covers emergencies ). The ambulance service was apparently able to charge the bill to XXXX without any issues. However, about 4 months later, in XXXX XXXX as well as in XXXX XXXX I was surprised to be sent XXXX letters from the XXXX XXXX XXXX asking again for the XXXX USD they claimed I owed ( even though I had refused treatment ). I received those letters in XXXX since I had been out of the country in XXXX. I called the hospital up immediately and asked what the problem was. It seemed as though they had had the wrong XXXX number. I gave them my XXXX number again. This time, I asked the person on the phone to read it back to me, so we could make sure that it was definitely the correct number. When she read it back, it was correct. Since then I did not hear from the hospital again at all. On XXXX XXXX ( XXXX/XXXX/XXXX ) I received a letter from a debt collector asking for the " outstanding '' debt to the XXXX XXXX XXXX. The debt collector said that the documentation they had gotten from the hospital did not show that any XXXX number had been given - even though I had given it to the hospital twice ( albeit once apparently incorrectly ). I was shocked. The worst part about this is, of course, that XXXX generally only pays bills that lie, I believe, at the most about one year back. 
The XXXX XXXX XXXX # 1 apparently failed to attempt to collect the payment from XXXX and # 2 failed to inform me about this in due time so that I could have gotten in touch with XXXX myself. Now, that the timeframe during which they could have claimed the amount from my insurance has passed, they try to make me responsible for their failure.
Consumer complaint received 2016-11-02
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CURO Intermediate Holdings (IL)

I have requested information/ validation on this debt bearing my signature and have not recieved anything stating that I owe this company any money. They have repeatedly responded that they have investigated and verified the validity of my debtand dont even allow me to dispute their claim. I have never done business with XXXX XXXX, never signed a contract nor do i owe them any money
Consumer complaint received 2023-07-18
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: DISCOVER BANK (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

COINBASE - Asking for help since XXXX of XX/XX/2024 ( online Cases ) and since XXXX XXXX via XXXX Dear Sir/Madam, I am writing to seek assistance regarding an issue I have been experiencing with Coinbase, a cryptocurrency exchange platform. Despite numerous attempts to resolve this matter directly with Coinbase, I have been met with a lack of response and assistance, leaving me unable to access my funds. 

I am a verified user of Coinbase and possess a valid user ID and password. However, I have lost access to my two-factor authentication settings, which has prevented me from logging into my account. Despite reaching out to Coinbase for help over the course of several weeks/months, I have not received any meaningful assistance or resolution. 
Coinbase 's website suggests an alternative method for verification through ID verification. 

However, when attempting to complete this process, I encountered a message indicating that my country/region is no longer supported by Coinbase, further impeding my ability to regain access to my funds. 

As a result of Coinbase 's failure to provide adequate support and assistance, I find myself in a distressing situation where I am unable to access my funds. I believe this constitutes a serious breach of customer service and raises concerns about Coinbase 's adherence to consumer protection regulations. 

I kindly request the Consumer Financial Protection Bureau 's intervention to help facilitate the resolution of this matter. I seek assistance in ensuring that Coinbase fulfills its obligation to provide timely and effective support to its customers, allowing me to regain access to my funds without further delay. 

I have attached relevant documentation, including communications with Coinbase, for your reference. Your prompt attention to this matter would be greatly appreciated. 
Thank you for your attention to this urgent matter. 

I look forward to your prompt response and assistance in resolving this issue. 

Sincerely,
Consumer complaint received 2017-10-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (SC)

poorest mutual communications & understanding. gestapo " got ya '' interrogations. 
PFCU has evolved to become to smart for their own good, my case, my opinion highly provocative, condescending arrogance, one way communication, our way or the highway mantra, of which most reasonable individuals would consider omnipotent. 

pride themselves as professional controllers with all the answers -- applicant is guilty on any questionable issue until they can prove their innocence PFCU has wonderful HRs and Tech Data systems but mesh the two poorly member can not refute PFCU without their reprisal Per my case, obviously, these are only PFCU best qualities, the worst to follow Provoked my graphic expletives superseding my medicated total disability debilitation, intentionally, upon each attempted communication, once adversarial relations progressed at each stage of their unwarranted denial, challenges & condescending
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Account Name XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A States I have a right to privacy 15 U.S.C. 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer reporting agency may make my consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MD)

I closed all my accounts with Wells Fargo due to inability to reach my advisor to execute trades and very poor/ non existence customer service located in foreign countries and suffered losses as a result. Wells Fargo charged fees to close my accounts as follows : XXXX ( {$120.00} ), XXXX ( {$120.00} ), XXXX ( {$95.00} ), XXXX ( {$95.00} ).
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (ID)

I received a credit card from Barclays in the mail on XX/XX/2024. I did not open this credit card or authorize anyone to open this credit card. I immediately called Barclays and reported the fraudulent activity. They informed me that there was a balance on the card from a balance transfer from a XXXX XXXX credit card account. Barclays told me they would send the information to their fraud investigation department. During the next week, I filed an Identity Theft Report with the Federal Trade Commission. I contacted the 3 credit reporting bureaus and placed fraud alerts, froze my credit report, and filed disputes regarding the Barclays credit card. I then provided all of this information to Barclays through a fax on XX/XX/2024. On XX/XX/2024 I received a letter from Barclays stating that they did an investigation and determined that the account is being reported accurately. I then filed a police report on XX/XX/2024. On XX/XX/2024 I sent a letter to the Fraud Investigation Division appealing their decision and once again provided them with the Identity Theft Report and also the police report. On XX/XX/2024 I received three correspondences from Barclays : a statement ; a letter stating my " Account with Barclays is Delinquent '' ; and another letter stating " our records show that your AAdvantage Aviator XXXX XXXX XXXX Mastercard is three months past due ''. Are they ignoring my appeal? I consider these letters as harassment or bullying in order to get me to pay for this credit card. Furthermore, on XX/XX/2024 I requested a copy of my credit card application. I wanted to see what information was used to open this account. On XX/XX/XXXX, I received the information and this is what was provided to open the account : My first and last name, date of birth, address, monthly rent or mortgage stated as {$700.00} ; yearly income stated as {$110000.00} ; an email address that I have never seen or used ; and a home phone number which is actually my wife 's and not mine. The application requests mother 's maiden name ; employer name ; and own or rent. None of that information was provided. Barclays really allowed someone to open a credit card in may name with just that information??? And obviously Barclays did not look at the credit report that had to reviewed when accepting this application because they would have seen that we do not have a balance on our mortgage. It is {$0.00} NOT {$700.00} and that we do not have a XXXX XXXX credit card which should have been a red flag since the applicant was transferring the balance of XXXX XXXX card to this new credit card. Furthermore, did not verify the email address?? Or even ask for social security number or employer information. Maybe all of this is a scam within the departments of Barclays??? Barclays has NOT properly investigated this fraudulent report. They approved an application without verifying any information. They are at fault and are now harassing me!
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In XX/XX/year> my mortgage company XXXX XXXX XXXX XXXX ) tired to charge my bank account using auto pay and due to an error on the bank ( that just got purchased by another bank and was making changes that caused issues ) my lender did not report to me that payment was not accepted by the bank until after 30 days, at which point they have already marked my credit report with a 30 days late issue. 

I have then resolved this issue with the bank and the lender which reinstate my account to good standing but apparently did not correct the 30 days late in the credit report. I discovered this a year later when I got my credit report. I ask them to correct this, and they said I can only fix it by asking the credit agencies to correct it via a dispute. I have submitted a dispute and got a response back from Experience and Transunion. Both reports indicate that something was corrected but do not indicate what it is, but also indicate that the 30 days late item was not corrected but did not explain why. 

When I asked them about it both told me to go back to the lender and have them fix it but the lender says no, the credit agencies have to fix it. They are both refusing to help.
Consumer complaint received 2020-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I check my credit report and notice some things that does not belong to me. These accounts are really affecting my Credit standing and a chance of getting a card approval. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

-XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

I disputed a transaction from XX/XX/2024 for XXXX. I disputed the transaction XX/XX/XXXX XXXX XXXX XXXX an XX/XX/XXXX XXXX number XXXX. The bank has denied all my claims after receiving a tracking number of refund of the amount that was charged to my account, that I did not approve. The bank basically said I did business with them so it's my loss. I did do business with them I agreed to 6 months of service the pouch insurance automatically charged my card for 6 months of a renew service on XX/XX/XXXX, that I did not approve of. XXXX did try to make right refunding my money an providing tracking number XXXX of refund.Truest claims it was kicked back because the card was canceled and XXXX said it is finalized and it has clear and it's up to the bank to track my money. Truist refuses to find my money.
Consumer complaint received 2021-11-27
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)

In accordance to the law, I DEMAND for your institution to DELETE AND CORRECT the disputed information stated below. Thirty days should be enough for you conclude this procedure. 


FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on DATE. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXXXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

Back in XXXX my account was blocked by Chase for allegedly having fraudulent transactions. My account is a business account where I receive big deposits sometimes multiple times a week and I also write checks for payroll for my employees. Chase authorized the account to close even after I called Chase with the payment processing company on the phone with me to help verify any confusion of deposit from XXXX XXXX XXXX. After multiple attempts each week from the start of this issue I have not received any detail to settle the matter. Chase authorized a check for my funds to be released XX/XX/XXXX. It is now XX/XX/2024 and I am still being abused with no solution.
Consumer complaint received 2024-04-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: WELLS FARGO & COMPANY (NY)

I normally pay my Wells Fargo auto finance account on line. I was unable to go on line to make my auto loan payments because the online account was locked. Unfortunately, do to my work schedule it was difficult to meet their call hours. I never received a bill and continued to try to pay my car on line. 

I finally received a letter from Wells Fargo stating the full payment but call because they have payment options. I have the car in my possession. I told then I will pay the arrears. They denied me and told me I would have to pay {$9000.00} a month for four months for the car not to get repossed. I asked if I could speak to a supervisor she said they would give me the same offer. She told me that was my only option. 

I called back again and got a rep who was a little more understanding. I told her I was locked out of the account and I never received a bill. She stated I could pay {$3000.00} a month and the car will not be repossed. I will not receive anything in writing in reference to my agreement. The car would remain as a charge off. 

I told her can I get a letter stating the new agreement. The rep said no. This is just verbal and there is no agreement in writing stating my car will not be repossessed. The rep kept assuring me the car will not be repossed if I make this monthly payment for 12 months and I will not get a bill every month. I would have to remember when to pay and I will not get any paid invoice.I kept telling them I was locked out of my account. 

I told her I would have to call her back because I just don't think this is fair and its unjust I can pay the arrears. There were no monthly bills made and she did admit the account do get locked out. 

I didn't agree because
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed this XXXX account several times with the three major credit bureaus and each time they change/update something random on my payment history. This has happened several times and the account has been closed for years meaning the payment history has not changed, but they " update '' it in order to look like they have investigated my dispute, when I'm fact they have not. Each time I dispute it, they change the payment history to make it appear as if they are reinvestigating when I am sure they are not. They have ignored my mail in disputes. When I mailed in disputes, they failed to respond, and it has been over 365 days. When I do an online dispute, they pretend to update. All of my efforts have been ignored or not appropriately investigated. The bureaus have ignored their burden of proof and left this account on my credit report for long enough. I need this account deleted.
Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

All XXXX credit reporting agencies are reporting inconsistent, inaccurate different dates of reports last activity dates different charge off dates, Trans union reporting XXXX, experian reporting XXXX, equifax not reporting a t all which is incomplete reporting. For mariner finance account XXXX XXXXXXXX
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

Hi. I will attach photos later of the Chats I have had with Citi. I also spoke with an agent in early XXXX to boot. Their handling of my accounts has been atrocious, esp during the pandemic. I have stayed on top of all 3 accounts I have with them, however they allowed one to report 30 days late to the credit bureaus. I need help with all 3 bureaus to have this deleted/reversed.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I purchased an electronic item from XXXX which arrived damaged and had issues so I attempted to return it, it said the buyer didnt take returns so I filed a dispute claiming that the item was damaged, my credit card company ruled in XXXX favor even though the item was damaged and unreturnable
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (TX)

Mercedes Benz Financial is reporting misleading information on my credit report. I have been disputing this inaccurate account for months now and they keep reporting it, which is harming my ability to get an apartment for my children. I feel taken advantage of and as a consumer in law this is grounds for me to get compensated for these violations.