davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On Tuesday XXXX, I successfully wired in {$5000.00} to Coinbase.com to utilize their cryptocurrency services. Since then, my money has been locked in their platform due to a defect in their identification system, and I have not been able to close my account and withdraw my money since. Despite numerous attempts to reach out to Coinbase support, I have been met with zero replies, and am extremely dissatisfied with their service and worried about the safety of my funds. Coinbase has shown no interest in helping me resolve this issue, and I am very worried that their " identification '' system is simply a cover up to steal my money.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Regarding account : XXXX XXXX XXXX account number XXXX***. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.
Consumer complaint received 2017-08-18
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. (TX)

regarding account : XXXX account number XXXX. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further. If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have notified Trans Union and XXXX XXXX via mail that there are some unrecognized/unauthorized inquiries on my credit report. The inquiries are dated X/X/17. I have not gotten any responses from XXXX XXXX or Trans Union.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have notified Trans Union and XXXX XXXX bank via mail that there are some unrecognized/unauthorized inquiries on my credit report. The inquiries are dated XX/XX/XXXX & XX/XX/XXXX. I have not gotten any responses from XXXX XXXX bank or Trans Union.
Consumer complaint received 2017-08-18
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: Fidelity National Information Services, Inc. (FNIS) (TX)

On XX/XX/XXXX, I responded, via fax, to Chex system letter dated XX/XX/XXXX in which they stated that a creditor, XXXX XXXX XXXX XXXX, had originally been deleted from my consumer report due to length of time that had passed since my original dispute but was placed back on my report due the fact that XXXX had since certified the information to accurate.
In the faxed letter, datedXX/XX/XXXX, I specially exercised FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency, Chex system, that warranted the reinsertion of this account to be legal.
In response, Chex system, denied my right by sending me the same information they originally sent on XX/XX/XXXX. They are REFUSING to furnish the legally required documents that they have or should have in their possession, which warrants this reinsertion to be legal.
In their response, they stated if I wanted to dispute things further, I needed to contact XXXX however according to Section 611 of FRCA says you can request the method of verification from the reporting agency and if such agency doesnt have legal validation : documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, then such reporting agency must delete the file. I also requested the name, address, and telephone number of each person contacted regarding the accuracy of the reporting of the accounts and specified that any automated response or XXXX verification is unacceptable.
As of XX/XX/XXXX, Chexsystem is refusing to show proof of validation or to delete the XXXX account, as it doesnt belong to me. According to FRCA section 611, consumer agencies have 15 days to furnish their files, the original letter datedXX/XX/XXXX was the beginning of the 15 days request, if such information is not furnished or account deleted by XX/XX/XXXX, I will be forced to pursue legal action.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MarkOne Holdings, LLC (FL)

I received my 3 credit report and there are some inquires that are listed on it that NOT mine.. I contacted XXXX several of times. With contacting them they told me that I needed to contact every creditor on my report and obtain a letter of the deletion. Everyone that I contact advised me to dispute with XXXX repeatedly. Okay I contact ALL of the inquires that did n't belong to me. Have contacted XXXX so many times to address the situation and it has n't been address.. I was advised by a XXXX US supervisor to go to my local police department and file a report. Which I 've taken the proper steps to get this removed. I just need this inquires removed this hurting my credit BADLY. It very emotion draining for myself, what I 'm trying to do with my life. I listed the following things : XXXX XXXX XXXX XXXX XXXX- ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX - ( XXXX ) -XX/XX/XXXX XXXX XXXX - ( XXXX XXXX )XX/XX/XXXX XXXX XXXX- ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX- ( XXXX ) - XX/XX/XXXX XXXX- ( XXXX ) XX/XX/XXXX I also contact MarkOne as a financial company that I was using for a car I got. I volunteer return the car due mechanical trouble from day 1.. I stated that to the company and they said they are n't responsible for all of that. It was too much paying for the car and getting the car repair. I talked to the dealer was n't any help after WEEK 1. this is showing negative on my and mother credit and I need this off. because they no have the account anymore. But I did everything we are suppose to do make it and resolve it.
Consumer complaint received 2017-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TX)

Syncrony keeps randomly locking my business credit card. The last time they received a payment and would not unlock my company credit card for several days even after they took my money for the full payment. They also on my personal credit card have non approved charges from a scam company that they will not remove and keep charging us for. Please stop these scammers.
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Consultants, Inc. (CA)

Diversified consultants purchased my old account from XXXX XXXX. My service ended with them three years ago. I never received information from the provider. I provided the company with a forwarding address and phone number. The creditor confirmed they just received the collection account XXXX 2017, I was charged for equipment and terminaion fees. I have excellent credit and no derogatory accounts. Diversified CONSULTANTS immediately posted this account to my credit report prior to contacting me by mail on X/XX/2017. I received a telephone call from Diversified Consultants from an extremely aggressive and unprofessional representative. The rep. Provided no information concerning the account, I asked what information he could provide me and was only provided a balance due. My name is spelled incorrectly on the notice and i am a bit aprehensive. The rep. Continued calling and demanding payment after i advised to stop calling. I reached out to XXXX XXXX and initiated payment. I am requesting both companies be held respnsible and all derogatory remarks removed immediately.
Consumer complaint received 2017-08-18
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. (OH)

I 've had the hardest time with trying to get my issue resolved with XXXX XXXX XXXX. I recently pull my credit report and determined I have a hard inquiry on my credit report from XXXX XXXX XXXX on XX/XX/XXXX. During the enrollment process for the XXXX service, there was a disclosure read to me of credit check would be done for the review of my application. I was confused as the disclosure did not provide specific information if the credit review would be for a hard inquiry or a soft inquiry. I asked the specialist if she could confirm this for me. On the same conversation she advised this was not a hard inquiry and would be a soft pull done, so it will not reflect on my credit report. With this understanding, I agreed and continued with the application process. I called XXXX XXXX XXXX in which the specialist advised she would submit a request for a credit analyst to reviewed my profile for the hard inquiry and call me within 48 business hours as they were closed during the weekend. I did not received call back within the timeframe i was given so today XX/XX/XXXX, i called and checked on the request. I was advised there was not a request submitted for this review when I previously called. After 50 mins of being transferred around, being hung up on once, I finally got over to a credit analyst, who advised me they do n't have a produce to remove this credit inquiry as they would refer their customer to dispute it with the credit bureaus. As I made the specialist aware I 've already looking into that option, in which my request was denied. I advised her the only option I had was to dispute the inquiry as fraud. I advised I would not dispute this as fraud. As the definition of fraud is not having no participation in the activity, in which does n't apply in my case because i have this active account with XXXX XXXX XXXX. The same employee as well advised that she does n't understand why this particular employee would 've assured what type of credit inquiry would be established, as she is in the same position as her. She advised they are not even sure what type of inquiries are done. She advised " Out of best practice '' for the customers she assist with the enrollment of service, she advises them she is unable to confirm what type of inquiry it would be done as the credit team would determine this during the review of the application. I feel like i was mislead by XXXX XXXX XXXX/employee. I am not certain if this was done intentionally by the employee to gain personal commission, or if its something that if not clear to XXXX XXXX XXXX employees to provide unfair parties to their customers in general.
Consumer complaint received 2017-08-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I 've been asking XXXX for validation of this debt NOT VERIFICATION. Midland claimed to have the consumer agreement, I requested for validation but I never received it. Midland sent me an itemized bill and a bill offering a settlement. The FTC STATES IN SECTION 809 ITEMIZED BILLS ARE NOT A FORM OF VALIDATION. IM DISPUTING THE FOLLOWIG ACCOUNT WITH MIDLAND IN THE AMOUNT OF {$510.00}. I do n't not have a signed contract with Midland. I 've never done business with XXXX/XXXX XXXX Again I asked for validation inXX/XX/XXXX and I only received a bill in the mail.
Consumer complaint received 2017-08-18
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (VA)

I sent several cease and desist letters to the company requesting that they stop call specific numbers. I have stated on numerous recorded conversations that my cell phone number is not to called on the auto dialer. I discussed this issue with a supervisor in XXXX 2017, and I am receiving calls in XXXX 2017.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (TX)

I am writing to dispute the following information in my file. I recently reviewed my credit report. The credit report shows multiple inquiries i dont recall authorizing. I understand that you shouldnt be allowed to put a inquiry on my report unless i authorize it. Please remove as it is making it hard for me to acquire credit.
Navy Fcu
Inquiry from XXXX XXXX 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX3, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXXXXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
+
Credit Union
Navy Fcu
Inquiry from XXXX XXXX, 2017
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (CA)

I applied for a loan with Quicken loans about a month ago. I let them know at that time that I had given up a property recently because I could n't afford to keep it any more. So they knew it went through foreclosure which would negate the type of loan that I wanted. So I was told that I had to pay XXXX for an appraisal before the deal went any further. A few days after that I was turned down because of the foreclosure which they knew about before I went ahead with the appraisal and now they are refusing to return my money or to send me a copy of the appraisal.
Consumer complaint received 2017-08-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (PA)

A
merican Education Services ( PHEAA ) continues to harass my cosigner and I. After I made a payment in full, they still sent letters to my cosigner asking for payments on XX/XX/XXXX. This harassment needs to cease and desist or else I will seek litigation with an Attorney for the constant harassment that occurs. This company is overstepping its maximum authority by doing this.
2nd to that, their system is not updating reflected payments that were made a day or days prior. As of today, I 'm putting this company under scrutinized investigation for Unfair Business Practices. The excuses that I continue to receive regarding their " rules '' are not going to be accepted, because I truly do believe they have no idea what harassment is. While AES maintains they are controlling/managing the debt that is owed, they are not entitled to act as an unlawful debt collector, which is the gist of it.
If I have intentions to pay a bill and it is paid, you have no right to continue to send letters harassing either my cosigner or myself. I do n't care what the loan agreement says. As far as I 'm concerned, that 's beyond the scope of the limitations at this point because it was years ago. In prescribing debt owed, that 's what it is, debt owed. It does not legally obligate any company operating in the United States of America to create their own laws which appear to violate the laws of the Federal Government. In short, you are not entitled to act as a hostile debt collector. This is why The Federal Government of the United States created those laws to protect us civilians.
I will absolutely not repeat this again.
Regards, XXXX XXXX XXXX & Attorney
Consumer complaint received 2017-08-17
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 — Was not notified of investigation status or results
Company: NCB Management Services Inc. (GA)

I initiated a dispute with XXXX via BBB onXX/XX/XXXX and they told me that they are n't required to retain records to validate accounts they just call and confirm name, address, and SSN with the collection agencies. I informed them that if they do not have proper documentation to validate the account it needs to be deleted or if they do it needs to be sent to me. As ofXX/XX/XXXX I have yet to receive the requested info. I also initiated a dispute via their website HOWEVER as of XX/XX/XXXXthe account remains on my account which is clear that an improper investigation was completed. I disputed directly with the company as well on XX/XX/XXXX and as ofXX/XX/XXXX the company has YET to send me the requested proof of validation HOWEVER I 'm confused as to how XXXX " validated '' the account if me, the consumer, has yet to receive any documentation from the company nor XXXX. And it is obviously wayyyy beyond 30 days.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Account open XX/XX/XXXX with XXXX which is reporting late payments of 90 days past due or more, which is incorrect. I was in school from XX/XX/XXXX toXX/XX/XXXX and was in deferment until I started back school which was XX/XX/XXXXthru XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX. In between those times my account were in deferment status.
Consumer complaint received 2017-08-18
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)

Dear Consumer Finance I am writing a final statement to inform you that I do n't believe I 'm treated fairly. My case with XXXX seems to get thrown out everytime without anyone taking a close look at it. I need a supervisor at both CFPB and XXXX to look over this case along with the account. It is a fraudulent error account on my credit report. I am only left to file a lawsuit against XXXX, TransUnion, & XXXX. This is a situation that has been ongoing for a couple years and it seems to get over looked. If no one looks after this case, I am left to file a lawsuit against the two bureaus along with XXXX. This is not a threat, i am fed up and wo n't allow a fraudulent error to remain on my credit report that is n't mine. This case has been looked over and someone needs to take a very close look at it and not allow it to be over looked this time around. If no one looks over this case correctly I will post all the credit bureaus and XXXX on public record if this gets over looked and a positive resolution is n't correct on my credit file. Please investigate this case closely. I sent in certified letters to XXXX, XXXX , & TransUnion to review this case and I asked for any documents from each credit bureaus along with XXXX and no one sent me any documents bearing my name or signature. It is very frustrating and embarrassing and comes with great pain to be going through a situation where a fraudulent error is torchuring my life and credit.
Consumer complaint received 2017-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (SC)

Equifax is the only bureau who continues to report fraudulent information after disputing multiple time even though I sent the original identity theft police report. They 're reporting a XXXX credit card account that was charged off. I have sent the dispute to the request of the supervisor but still no action. I 'm suffering damages due to this inaccurate listing. Contacted XXXX who stated that someone signed to pick up merchandise but it was n't my name and signature. I also told them no account should have been open because I had a fraud alert on my account at that time and that I must be called and answer security question to verify my identity. I was never contacted. This behavior is willful non compliance. It 's a small amount but I refuse to pay for something I did n't authorize and that I have no possession of the goods and services they are holding me liable for. I also disputed inquiries that were placed on my report in XXXX of this year for auto shopping. There 's no permissible purpose for these inquiries and an account for XXXX XXXX that I have no knowledge of as well.