davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OR)

First, XXXX $ was withdrawn from my savings account by Coinbase, without authorization on XX/XX/XXXX ( XXXX ) and XXXX ( XXXX ). I never received any confirmation or contact from Coinbase and I didnt authorize. I submitted a case number and complaint to Coinbase. They said theyd investigate and get back to me. I have not heard from them. My bank recovered and resolved my fraud claim. Then, on XX/XX/XXXX, XXXX $ was removed and disappeared from my account w Coinbase. Again, no confirmation or contact was made to authorize this. I didnt authorize this. I contacted Coinbase via email/online complaint form. I also called their phone number provided but the call hung up after pressing an option. There is no customer service via phone available..only email. Have not heard back. Their standard response is under review. There is no progress update, details relating to any emails sent, estimated time, phone contact though Ive requested it. They also lock the account at various times and make accessing the funds impossible. 

There are transactions listed that were not made. Later those transaction history disappears. Ive received an email stating funds were recovered but no other info given. The emails provide nothing but blanket statements that they resend over and over. There is no phone support. 

There was XXXX dollars remaining in that account. I sold my holding for that amount bc I worried about that loss. I was sent 2 confirmation emails for this transaction. As of yet, that money hasnt been moved into my banking account. Its supposed to happen in 1-3 business days. It hasnt happened and I have no way to redress any of this with them. 

i have been researching Coinbase recently and see there is widespread fraud via news articles, posts on XXXX, XXXX. 

this needs to be investigated. There is nothing preventing Coinbase itself from stealing these funds. 

I have submitted this information with the SEC. they recommended contacting you.
Consumer complaint received 2019-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IL)

I recently opened a checking account two prior with Chase JP Morgan bank. After filling out the application for the account, having it approved and issued a account number as well a debit card for the account my access to the account was stripped as I were unable to bank. I gave the institution a call to inquire as to why my account had been blocked and the reason they gave me was that the bank had made a discretionary decision to terminate my account due to reason as follows : -The bank could not maintain the account. 
As I mentioned, this account is only two weeks old and has not had any activity since its opening. The bank assessed a $ XXXX  monthly maintenance fee to the account for such reasons or as it advertised such fee was applicable for. 
I feel the bank targeted and discriminated against me on the basis of common occurrence such as my skin tone as the bank maintains millions of accounts in masses of trillions of dollars and the reasons specified in regards to the closure of the account are not justified.
Consumer complaint received 2021-11-09
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (VT)

M & T Bank has been originating mortgages without a license and is targeting XXXX and XXXX owned mortgages for foreclosure all while denying them loans at a rate inconsistent with their share of the population. Claim for state of Vermont, currently. Can provide proof of violations in all 50 states. This complaint makes me fill out a mortgage address. While this address fell victim to foreclosure by predatory lenders, M & T Bank was not the lender. This complaint is a general consumer complaint, separate but related.
Consumer complaint received 2018-12-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A. (MD)

I reached a written settlement agreement with Citibank , N.A . in XXXX and made monthly payments. Due to long-term unemployment that lasted from XX/XX/XXXX-XX/XX/XXXX, I was unable to make payments in late XXXX, so Citibank received a default judgement against me in XX/XX/XXXX. 

The attorney for Citibank sent a letter to me on XX/XX/XXXX and offered to modify the XXXX settlement agreement by letting me pay {$46.00} a month. I made the payments from XX/XX/XXXX through XX/XX/XXXX and sometimes paid for two months at a time. 

On XX/XX/XXXX, when I was three month ahead of schedule, and had paid {$130.00} extra, Citibank, without prior notification to me that anything was wrong, garnished and placed a hold on two checking accounts and one savings account at XXXX XXXX for more than I owed, including court costs, etc. The total of the three bank accounts was less than {$1500.00}. 

On XX/XX/XXXX, I filed a motion to exempt my property of less than {$6000.00} from garnishment and mailed a copy to the attorney for Citibank by certified mail. The attorney for Citibank received and signed for the certified mail. 

I called the attorney for Citibank on XX/XX/XXXX and asked a non-attorney employee to send a payment history to me by email and by delivery through the postal service to my home. I called again on XX/XX/XXXX and another employee told me that I should receive the payment history by email within 24 hours of my initial request. However, as of XX/XX/XXXX, I still have not received the payment history by email and the hold is still on my three bank accounts. 

The illegal garnishment and hold on my checking accounts, plus not sending a payment history to me are clear violations of my rights.
Consumer complaint received 2018-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

I have a debt listed on my credit reports that I have no knowledge of. The collection agency is unknown and the original debtor is pretty vague. It does not give any details to what type of account nor does it specify any remarks. This debt is not mines.
Consumer complaint received 2020-09-02
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: Experian Information Solutions Inc. (FL)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XX/XX/XXXXConsumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : DP OF EDUC XXXX XX/XX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX DPEDXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (PA)

I reported fraud charges while pending and the bank navy federal credit until let the charges go through. I then filed a dispute and they deemed the charges valid and I have not been refunded. Im not sure why the charges were cleared and now not refunded. 

XXXX XXXX XXXX
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-08-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendingPoint Holdings LLC (FL)

Began looking for a loan. Looked through XXXX XXXX app in the Pre-Qualified section. After reviewing, found Lending Point. Provided information to Lending Point XX/XX/2020 via XXXX XXXX website. Was contacted first time XX/XX/2020 by agent, didn't speak with agent until morning of XX/XX/2020. Agent inquired about financials. Agent stated they had received all the documentation needed for processing loan request, however, wanted to confirm details of financials. At the time of speaking, the only documentation that I provided to Lending Point was a picture of a voided check for deposit reasons. This was requested at the beginning, prior to any email being sent from Lending Point. Agent claimed the loan request had been denied once advised of annual income over the phone. Email received from Lending Point XX/XX/2020 claims the company required more documentation, such as ID, Pay stub ( s ) from last 30 days of current employer, and a XXXX from previous employer. Email claims " Once your documentation ( ID, Pay stubs, XXXX ) has been approved underwriting will then execute a Hard Credit Pull. '' This email was received late in the afternoon of XX/XX/2020. At the time of speaking with agent, my application and certain personal info on application had been forwarded to Lending Point ; no ID, no Pay stubs, nor any XXXX information or any other follow-up information had been sent yet due to waiting to speak with agent beforehand. At the time, Lending Point had already made a Hard Inquiry on my credit report, despite not having the proper documentation they requested. They have denied my application without having received and properly reviewed the requested documentation. I believe this is wrong and unfair because Lending Point proceeded in making a hard inquiry on my credit report on XX/XX/2020 and made their decision to deny me for applying despite not having acquired all the proper documentation. The email stated they were waiting for said documents and that a Hard Inquiry would be made once these documents had been received and approved. I will also be filing a formal complaint with XXXX, XXXX, and XXXX   and any other Credit Reporting Agency regarding this situation, as necessary.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Idaho Housing And Finance Association (TX)

I am super frustrated. I submitted a complaint last month to CFPB and the situation has worsened. I purchase a home with a conventional loan through XXXX XXXX company who then sold the loan to Home Loan Servicing out of Idaho. Who doesn't seem to work within FCRA guidelines. I inquired about the forbearance program for my first mortgage back in XXXX but, continued to make my payments, I have requested they remove the remarks regarding it is in forbearance so I can refinance the mortgage, see attached, My major issue I need help with is I purchased the home using down payment assistance which I signed paperwork acknowledging it was to be recorded as a lien but, signed no paperwork regarding it ever be reported to the credit bureaus. See attached. Adding insult to injury is it says it is currently being reported in forbearance. This is not acceptable. I ask they be forced to comply with FCRA and the signed agreement between us. There are no payments due, ever on this loan. Look, I never agreed to just give anyone free reign to report just whatever they want on my credit. This down payment assistance needs to be FORGIVEN and me be COMPENSATED for the damage to my credit rating. I went to XXXX website and NO refinance is allowed with reference to a forbearance. For reference here is their definition used. " A forbearance plan provides for a period of reduced or suspended contractual monthly mortgage payments, followed by a full reinstatement, mortgage loan payoff, or another workout option to enable the borrower to resolve the delinquency '' There are NO contractual monthly payments on this silent second. I am at my wits end, I bought this home right after college, I know what I signed but, am powerless to enforce FCRA rules on a giant corporation.
Consumer complaint received 2020-09-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

I made a deposit on the ATM for {$800.00}, it said forced deposit into savings account. The deposit never showed up on my balance. I opened an ATM dispute 3 weeks ago, bank has not even started an investigation, branch said they can not do anything on their end.
Consumer complaint received 2020-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I was going through my credit report and came across a collection from Portfolio Recovery Associates, LLC. I have never done business with them in the past, however they are attempting to recover a {$440.00} debt from me, that I have no knowledge of. I have sent them Debt validation letters. However there response is an itemized bill in my name, that I have no knowledge of originally creating. According to UCC - Article 3 - 3-501 ( b ) 2 ( 1 ) I am entitled to demand presentation of the negotiable instrument, which is my ORIGINAL WET INK SIGNATURE PROMISSORY NOTE. This is required to establish their right of enforcement as holder in Due Course via a chain of assignment as evidenced by the note. They have not provided any of that.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Reporting the same Department of Education Balance twice. How can the same charge show up 2 separate times? Not only were these being updated during the pandemic, which the CARES ACT put a halt on all student loans, but I paid them off and was promised they would be removed. I trusted the Department of Education, which I paid close to {$2500.00} when money is extremely tight, to honor their word. Now not only are they reporting the same account twice but they are leaving them on making getting transportation and housing much harder and much more expensive. 

The struggling now are struggling more than ever. Our own Department of Education and TransUnion and XXXX  are hurting us more than anyone else. 
1. 
Account number XXXX Account status Closed Date opened XX/XX/2014 Account type XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX. 
Account number XXXX Account status Closed Date opened XX/XX/2014 Account type Installment XXXX XXXX  XXXX XXXX, WI XXXX
Consumer complaint received 2020-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I provided a one time consent to pull credit on XX/XX/XXXX to XXXX XXXX. The vehicle was delivered to the primary buyer on XX/XX/XXXX with no problems and the account opened on my credit. 

In XXXX the primary buyer was told that a minimum of 3 references were now required. The buyer was forced to do so under void of contract despite already having possession of the automobile with an open account and another credit inquiry was generated. 

The account was opened on XX/XX/XXXX with the primary buyer taking possession and no need for any further credit inquiries were warranted. The unauthorized inquiry on XX/XX/XXXX is self evident as an unauthorized inquiry since the account was open. 

The sales person who can attest to the single credit pull and sale completion on XX/XX/XXXX is XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, Michigan.
Consumer complaint received 2022-09-01
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: The CMI Group, Inc. (HI)

account was opened on XX/XX/22 for the company XXXX XXXX for the amount of {$3600.00} was opened on XXXX, TX a city i have never been in my life. the company Credit Management LP open a collections on my credit report.
Consumer complaint received 2020-09-02
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX US DEPT OF EDXXXXI XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd. (NY)

In XX/XX/2017, I contacted XXXX XXXX XXXX XXXX headquarters in XXXX, GA. I was told that we can not pay our bill because it has been sent to a collections company. 

Complaints : 1. XXXX XXXX XXXX  XXXX did not provide me with electronic invoices. 
2. XXXX  XXXX XXXX  XXXX refused to tell me how much I owed 3. XXXX XXXX XXXX XXXX refused to accept payment my May phone call. 
4. Collection Bureau of America is offering to sell me a used water cooler at an inflated value. 
5. Collection Bureau of America refuses to arrange a pickup of the water cooler owned by XXXX XXXX XXXX XXXX, their client.
Consumer complaint received 2020-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (MT)

On XXXX, I paid {$740.00} to XXXX XXXX XXXX to settle a debt that XXXX XXXX XXXX had purchased from a hospital in XXXX, Texas. ( Email proof of payment attached in documents ) On XXXX, I received a letter in the mail from MBA Law ( attached in documents ) suggesting that I owe them {$730.00} for the same debt that I already paid to XXXX XXXX XXXX a year ago.

I contacted MBA Law informing them that I had already paid the debt. They told me I need to show them verification, so I emailed them the proof of payment emails and they have been unresponsive ever since. After doing some research, I discovered that this is a scheme that MBA Law has been participating in frequently over the past year. And I came to discover that their false claim appeared on my credit report two months ago and has already had an adverse effect on my credit.
Consumer complaint received 2020-09-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northwood Asset Management Group (MI)

I had a personal loan that was transferred over to Northwood Asset Management Group after missing a payment for 61 days due to the current global pandemic. They have repeatedly called me and my place of work making threats about garnishing wages and suing me over 2 monthly missed payments. Mind you, I was not notified about this change and had no idea who they were. On XX/XX/XXXX they called me again and threatened me by stating they would take me to court if a payment was not made. They then sent me an authorization form for my approval to remove funds from my account the first of every month in which I did NOT sign or give my approval. Come XX/XX/XXXX, they withdrew {$300.00} from my checking account that was not authorized. On XX/XX/XXXX, I called to find out their reasoning behind this and was threatened again and told " they would come after me '' and send my employer tax forms to garnish my wages and that if they received a XXXX for every person using the pandemic as an excuse - they'd be rich. I asked why he had zero respect or understanding as to what was taking place and why he felt they could process any payments without my authorization. He then proceeded to threaten me with the " tax forms '' being sent to my employer again and actually hung up on me by saying he has been nothing but respectful to me during this time and will not continue any further conversations with me.