davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WA)

On XX/XX/XXXX, I started a transfer for XXXX $ to my coinbase account from my business account at XXXX XXXX XXXX. I got an email saying the transaction had failed because I did n't have enough funds in my bank account. The email did n't mention it would automatically retry payment. So I just left it because by that time I changed my mind. Then on the XX/XX/XXXX I see XXXX $ has been taken from my bank account by coinbase which I did n't initiate it at all. Those funds have not been transferred to my coinbase or XXXX ( same company ) account since then for me to send it back to my bank account. For the longest time there was n't an option to email XXXX because it kept saying that they are backlogged and when I finally was able to, I have n't received a response. I tried calling them and no one has answered. It seems a lot of people are having problems like this with this company.
Consumer complaint received 2018-01-12
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. (MA)

Hi I am a victim of identity theft and fraud it shows that I am a policy holder for car insurance from XXXX for two vehicles which one was financed through XXXX and XXXX XXXX and this same vehicle was bought at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX,Ma it is a XXXX XXXX XXXX XXXX XXXX which I DON'T own the other vehicle is a XXXX XXXX XXXX XXXX XXXX  plate number XXXX I tried to call XXXX XXXX last week as well as XXXX and the car dealership as well as the XXXX XXXX XXXX where there cars are registered and have gotten no where and which these cars and the loans show up on my credit report as well as my information shows up on progressive as myself for the policy holder as well as student loans and mortgages show up on my credit report
Consumer complaint received 2018-01-13
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. (NV)

I do n't understand how I can be submitting multiple pages of proof to the credit bureaus proving that these accounts are inaccurate and must be removed and yet, XXXX XXXX did not remove these accounts! Congress clearly states in XXXX XXXX XXXX  XXXX that the burden of proof is on the creditors and the credito bureaus and NOT me so how come nothing isbeing done to assist me? What other proof is required of me to show that these items are not reporting per federal law? 

I 'm attaching the lawsuit that clearly spells this out as well as my credit report and my actual disputes. I do n't understand who allows them to do this ( governement, etc. ) but this is a complete violation of my rights under the FCRA! 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : XXXX XXXX XXXX/Equifax and XXXX  {$0.00} Past due : XXXX and Equifax $ XXXX {$65000.00} XXXX shows that I paid on time for XXXX XXXX an yet you show that I was late! How can that be? 
You are also still reporting late payments that make no sense! You state that I was late in XXXX of XXXX, and XXXX and XXXX or XXXX while Equifax clearly shows that I paid on time. Delete this account at once!
Consumer complaint received 2018-01-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (IL)

Hi : There have been multiple incidences, beyond what will be explained this complaint. In which Citigroup, has failed to provide adequate customer service. There are visits to local branches in XXXX including XXXX and XXXX XXXX XXXX XXXX, that abuse federal consumer rights laws. 

Citigroup, failed to honor the verbal agreement, to return the original payment XXXX for a carrier locked ( XXXX phone ) purchased online XXXX XXXX. Citi agreed to return all funds, based upon submitting the required documents. Thus, including a receipt with original purchase date. The required documents were submitted thru usps and were delivered. Citi revoked the arrangement without notification and deducted the XXXX, during the XXXX holiday season and demanded the documents be re-submitted or no refund.. 

Here is the usps tracking number:XXXX ... Citi Case : XXXX The original seller was contacted in additional to XXXX and XXXX, in every effort to return the phone and receive a conclude the dispute XXXX, citi and XXXX were contacted individually.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I have been trying to obtain my credit reports for years and I am always told they are unable to provide them to me. Each time I am either given an incomplete report or referred to requesting the reports through the mail at substantial costs. I am simply asking for something that everyone else in the country is entitled to.
Consumer complaint received 2018-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North Shore Agency, LLC (VA)

To whom it may concern : I, XXXX XXXX have growing concerns about the business practices of North Shore Agency ( NSA ). First, I contact NSA on X/X/18 and was informed by XXXX that as per her supervisor that I could not record the phone call, in which is a violation of NYS law. Second, I am receiving a reoccurring bill that has been satisfied. The bill states I have 30 days to respond or I will be liable for said charges. I believe that this is a predatory practice and is in violation with corresponding Federal Law. I need my account to be updated as satisfied and no longer receive any bill ( s ) from NSA or I will take legal action. Thank you for your assistance.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have repeatedly tried to access my online Equifax report to file disputes to have fraudulent information removed. My access has been blocked, claiming my information was not correct. I have tried to log in multiple times in the last week to week and a half. 

my information is correct and i have never had any issues logging in until the previous dispute i filed was resolved in my favor and fraudulent items were removed. 

i am a victim of identity theft and Equifax is intentionally blocking access to my file. When I called, i was informed that i could only view results electronically. I was told at first, that there was no technical support department, and then after speaking with a supervisor was told there IS a department but they do not take calls. They told me that it was a temporary error " while they fix their system ''. I highly doubt their system has been " down '' this long. 

I WILL also be filing suit in XXXX XXXX court. this is a gross violation of the state and federal consumer protection laws regarding credit report access and dispute resolution.
Consumer complaint received 2016-03-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (AZ)

Had a vehicle loan with Prestige auto, after years of paying and being harassed by the company we voluntarily gave back the vehicle we then filed bankruptcy in 2006 and Prestige was an account on the bankruptcy, I have requested this to be deleted off my credit report and no one is doing this also there i a address in XXXX on my credit I have only lived in XXXX My entire life never anywhere else. This has caused me no to get jobs, places to live and loans
Consumer complaint received 2018-01-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (CA)

CBE Group , Inc., a national debt collector, in attempting to collect on a debt that has been processed and accepted by XXXX, an insurance company. The alleged debt arises from XXXX XXXX in the amount of {$4000.00} for four devices and on months service with late fees ( two phones for {$680.00} each, two tablets for {$760.00} each and one hotspot device for {$85.00} ). The telephone numbers and corresponding insurance claim numbers associated with each device are XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, and XXXX for the service on the hot spot device which I own. I tried to pay the {$85.00} for the one month of service with late fee, but I was told by XXXX that the account ( account number XXXX ) had been forwarded to CBE Group , Inc. on XXXX XXXX, 2017. I then informed XXXX XXXX that they are attempting to collect twice and are double dipping while committing at least two criminal acts of wire fraud and insurance fraud as well as violating State and Federal debt collation regulations and laws. 
I have been forced to elect not to have my devices replaced as I am currently homeless and to not have a physical address to mail replacements to. While I understand the norm is to mail out replacements, that is not the case in this instance. Therefore, no money is due by me for the devices, all of which were in use at the time of loss. XXXX XXXX has confirmed the debt associated with my account was sold for {$4000.00} to CBE Group , Inc., the debt collector trying to solicit payment on a debt that, except for the {$85.00}, has already been, or should have been, satisfied. 
In resolution of the double dipping attempt by CBE Group , Inc. I would like full forgiveness of the debt by both CBE Group , Inc. and XXXX along with updated credit reporting data provided to all credit reporting agencies and XXXX XXXX. I would also like this CFPB complaint to be sent to the appropriate State and federal regulatory agencies for a thorough and complete investigation to determine if this practice and type of behavior by the companies involved is the norm as a matter of ordinary business practices.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MO)

My payments have been deferred since day one on my student loans due to my family size versus my income. My loan payments have been reported late after I have completed all necessary paperwork and mailed it to the correct places. The first loan payment I have every made was this month XXXX. Before this date I have always been deferred on all of my student loan payments. One credit company removed all late payment from my report just recently after I filled a complaint. I filled the same complaint with XXXX and they did not remove the late payment. I could have never been late when all have been deferred for the life of the loan. This has cost me thousands in interest fees on other loans due to them reporting me late. Please remove all late payments from my report on all student loans since they could have never been late based on all loans being deferred for the entire life of the loan until XXXX. As of XXXX I started making income based payments on my student loans since I now make enough money versus my family size to do so.
Consumer complaint received 2018-01-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (NJ)

I leased a XXXX XXXX XXXX XXXX XXXX. Upon leasing I also agreed and paid for Excess Wear and Tear Coverage ( " Excess Coverage '' ) and Tire and Wheel Protection. The Excess Coverage policy covered up to {$5000.00} in damage to the vehicle. At the end of the lease term the vehicle was inspected and a Vehicle Condition Report ( the " Report '' ) was prepared and submitted by XXXX XXXX XXXX ( " XXXX '' ). The Report reflected {$290.00} in total damage, obviously far less than the {$5000.00} coverage provided by the Excess Coverage policy. Nevertheless, I received a final bill from XXXX XXXX XXXX ( dated XXXX XXXX, XXXX ) which assessed not only the Disposition Fee of {$400.00}, but also a fee for " Excess Wear and Use '' in the amount of {$290.00}. The Disposition Fee is legitimate. The Excess Wear and Use fee is not legitimate. Therefore, on XXXX XXXX, XXXX, I wrote to XXXX XXXX XXXX to advise that I maintained an Excess Coverage policy ( that I obtained through the Hyundai dealer ) that covered excess wear, tear and use up to {$5000.00} and that the bill should be corrected to impose only the Disposition Fee. I never received a response to the XXXX XXXX letter. Therefore, on XXXX XXXX, XXXX, I wrote again and provided a copy of the XXXX XXXX letter. Again, I received no response from XXXX XXXX XXXX. Instead, on XXXX XXXX, XXXX I received a collection letter from XXXX XXXX XXXX XXXX XXXX demanding payment of the entire charge, including the Excess Wear and Use charge.
Consumer complaint received 2018-01-13
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: EQUIFAX, INC. (AR)

I recently ordered my credit report form Equifax and i noticed some inquiries that i did not authorize. Such as XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I 'm not aware of any these inquiries that has shown on my report.It 's cause significant damage to my credit report. I 've reached out to Equifax multiple times and stated that these inquiries does n't belong to me. I asked them to delete these inquires immediately. I 've put out fraud alerts reports in XXXX and XXXX because of situations like this.Someone stole my identity multiple times and opened false accounts under my name that I had to file a police report for. These inquires should be removed immediately since it 's against federal law ( Fair Credit Reporting Act-15 USC 1681n ( a ) ( 1 ) ( B ) to report false information on my credit report.
Consumer complaint received 2018-01-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

To whom it may concern, Im writing this letter to complain about the deceptive service Im receiving from my mortgage servicing company Loancare aka Myloancare.com. They sent me an escrow analysis in XX/XX/XXXX which forecasted the property taxes to be higher than expected which resulted in my monthly mortgage payment to increase. I called them to get some information about the process of getting this adjusted when the actual taxes are paid on my property because I knew the tax amount would be less than forecasted. I was told to call back towards the end of XX/XX/XXXX after Loancare pays the exact amount of taxes on my property. As I was told I did call on XX/XX/XXXX and I confirmed that the taxes were in fact paid at the beginning of that month, I also confirmed that the amount is about {$1000.00} less than what was forecasted on their XX/XX/XXXX escrow analysis so I requested a new escrow analysis. The agent told me that the new analysis would be completed by XX/XX/XXXX. On XX/XX/XXXX I called Loancare to inform them that Im not seeing the updated info yet so they told me that the XX/XX/XXXX deadline I was previously given was incorrect and that I should wait till XX/XX/XXXX for that info. Again XX/XX/XXXX came and went and the escrow analysis was not completed so I contacted them again and was told that this process should be done by the XX/XX/XXXX and if not I should request to speak with a supervisor. I called back on the XX/XX/XXXX since it wasnt done again and even spoke to a manager but they all stated that the analysis was not done yet and that by Friday XX/XX/XXXX the system should update and reflect the up to date numbers. Today is Saturday XX/XX/XXXX and again no new escrow analysis was posted or updated. 
I feel that Im being given the runaround and that they are not honoring these deadlines/timelines they keep providing me. I even sent an email to their customer service and I just received the automated response but no resolution. Its not professional to lie and deceive customers or send them the message that things would be done when Loancare feels like it. After all of these attempts and the pattern of their business practices I feel that this delay is intentional and I want this analysis to be completed and my information updated as soon as possible so we can budget for our mortgage accordingly.
Consumer complaint received 2018-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (ND)

Called Customer Service representative and they stated I have a XXXX credit limit. I was incorrectly informed and the actual credit limit was XXXX. I had unknowingly gone over my credit limit several times and never had any issues or high minimum balances or delinquencies until XXXX XXXX. 

I made 4 on-time payments ( XXXX for XXXX, XXXX for XXXX, XXXX for XXXX, XXXX for XXXX ) which was putting my account balance below the credit limit. I got a call from collections stating I was past due on my accounts for XXXX XXXX and XXXX XXXX. I had explained I had made multiple payments on the account for those months on time so they should n't be past due. The representative stated that even though I was making payments and my balance amt was below the limit I was n't making the full minimum payment and thus they were charging me with being delinquent on my account. Upon this knowledge I rectified the situation immediately and paid beyond the minimum payment even though my account was below the credit limit just to stop the delinquent status and it has been in good standing since. As a result they are reporting to credit agencies that I had be delinquent payments for XXXX XXXX and XXXX XXXX. I have tried to call customer service several times and told I needed to send a dispute letter ( which I have sent 3 letters XXXX XXXX, XXXX XXXX and XXXX XXXX to the XXXX XXXX office. I have never gotten a response back despite the customer service representative telling me they needed to respond in 30 days.. My last call was XXXX asking to speak with an actual person to resolve this and was told to send another letter ( Which I have sent once again on XXXX/XXXX/XXXX ). At this point I need further assistance or a live contact within the company to be able to assist with this issue.
Consumer complaint received 2018-01-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL ()

I have been trying to pay my walmart store card and the refuse to let me pay it. 
I have tried to contact them via email, website, chat, and telephone. Both Walmart and XXXX XXXX. 
I received the card in novemeber, used it to purchase gifts in XXXX while in the US. 
I have moved to XXXX and on coming here planed to pay the amount due from here, just like with any other company. 
Their website however would only allow me to pay it by checking account, which must be in the usa. I no longer have an account there since I moved here. I then tried to pay walmart via their customer service, but they would not help me and said I needed to contact synchrony, they refused as well to help me. Then I got transfered to 2 more people who told me the same, you are not permitted to pay with a bank account outside of the us or even with a Visa, Mastercard or debit card. 
XXXX, the last person they had me talking to tonight XXXX XXXX, XXXX at XXXX ( XXXX time ) says that she has no other options, they will not take credit card payments for it unless I go to walmart ( which is XXXX miles away ). I had a store card in the past and you could always make online credit card payments. 
I thought I should report this to someone, because I am sure I am not the only person they are doing this to. But it would seem they are trying to make it so people can not pay and then hit you with late fees. Please direct me on how to proceed with this, because I have no idea what else to do, I want to pay my bill, but they just wont let me do it.
Consumer complaint received 2018-01-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

On XXXX XXXX I opened an account with coin base. I transferred XXXX worth of Bitcoin to Coin base which it received and confirmed receipt on my account dash board. The transaction has been listed as pending ever since. The pending is highlighted so that you can search the transaction on XXXX. It originally showed my transaction but is no longer showing it. I have exhausted myself trying to contact coin base, which has no phone support. You can only email them and I have with no response. The bitcoin transaction has a low but acceptable miners fee so I do not see what the hold up is. It feels as if I will never get my money. Help me get my money. Thank you.
Consumer complaint received 2018-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (FL)

XXXXXXXX XXXX XXXXXXXX has a charge off on my credit report for {$89.00} I have disputed this account many times and hasnt had a proper investigation. This is not my account and has hurt my ability to obtain credit for this inaccurate reporting. 
I believe this account is also reported wrong on all three bureaus Why on each bureau theyre are different high credit and credit limit? Also it shows different days that this account was opened. There is missing information on this account from each bureau and under the FCRA everything furnished should be 100 % accurate and completeness. This should be promptly removed as it is in violation of FCRA laws