davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (IL)

On XX/XX/XXXX, I initiated a legitimate ACH instant purchase transfer in the amount of {$35000.00} to Coinbase for a crypto purchase. This was to come from my XXXX XXXX  account ( see attached ). More than enough funds were available in the account for this ACH. 

XXXX, despite the funds being there, decided to reject the ACH ( see attached ) for whatever reason incorrectly without even contacting me causing the ACH to fail. 

COINBASE first sent me an email regarding my having 5 days to reinitiate the ACH which seemed more than fair and enough time for me to contact XXXX XXXX in order to do so. I did contact XXXX XXXX  and they released the incorrect flag and told me I could go ahead and do so. 

I was about to do so but COINBASE literally the next day instead of the 5 days promised, decided instead to liquidate my position instead without giving me the time promised. They did so at a slight loss ( {$1600.00} ) which I then IMMEDIATELY paid off. 

There was NO NEGATIVE balance on the account and the issue was resolved. Do you think a fraudster would have resolved the negative balance immediately? I had been in touch with COINBASE customer service to explain the situation and had proof of what had happened. 

I have been a COINBASE customer since XXXX and never once had an issue with ACH 's or anything. I went through all of their additional XXXX, etc. My account is legit and despite it SEEMING like fraud, it was NOT! 

COINBASE has restricted my account from BUYS and TRANFERS ever since XX/XX/XXXX without any due process! Due to their practical monopoly here, this is not okay. I prefer to use Coinbase to transact and they are blocking me from doing so! 

Mistakes happen and this was NOT my fault yet I am being blamed here unfairly! 

I have contacted COINBASE for months and even filed a formal complaint only to be denied ANY INFORMATION whatsoever regarding why I am still blocked from using their service! Their reply was to basically say " SORRY, but we can not reinstate your account privileges! '' and with NO REASON whatsoever given. 

It is completely unfair and unjust. They are a PUBLIC company and are getting away with treating people like criminals without any due process whatsoever!
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I called Experian for 6 days and spoke to 11 different people from the dispute department, and 2 supervisors. No one has been able to help me. I was given a ticket number and still no help. I am trying to TAKE off the security FREEZE/THAW from my account. I keep being told my address was removed from my account. Which I don't see how that is possible when I been living at my address for 8 years. I tried using the mobile app and nothing I been calling everyday and keep getting the run around from the Reps and Supervisor that my address have to be added. Then I'm being told they are unable to add my address and take off the FREEZE/THAW. The REP keep telling me there's a fraud alert on my account which is not true and my account do not have a thaw on it which is also not true. I know the difference and I should not have to call everyday to get someone that is incompetent and not understand XXXX well enough to assist me in removing the SECURITY FREEZE/THAW. I asked for the number to corporate no one had it. This is my last resort to getting help. All I want is my FREEZE/THAW removed PERMANANT off my account so I don't have to call Experian every again. My account has not been updated in a year and I had other items on my report that need to be updated and removed.
Consumer complaint received 2022-09-30
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (MA)

XXXX XXXX is responsible for my mothers reverse mortgage.My mother passed XXXX XXXXMy siblings and myself are on the deed.XXXX has not been willing to share any info on the status of the loan.My mothers death certificate was sent.A third party authorization form was submitted.They still won't release any info.I have requested a 3 month extension to sell the house.The necessary info has been emailed to XXXX 3 times.Their site states if any other info is needed that they will contact you.Every time I call they tell me they can not release any info to me.XXXX XXXX is the 6 month grace period.I need to know if they will just show up to claim ownership.Both my sister and I have spoken on the phone to their representative numerous times.Today the rep asked if I had gone to court to establish right to know.Never heard this before.Was instructed to submit third party authorization form for release of info.Was also told to resend all info a couple of weeks ago. Can not believe this company was hired by hud.They should not be involved in any reverse morgages.Original reverse mortgage was thru XXXX XXXX XXXX.Have been sending info since XX/XX/XXXX to XXXXCan they just show up to claim ownership? Please help!!!!!
Consumer complaint received 2022-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

XX/XX/2022, sold premises. Received payoff statement from Select Portfolio Servicing which confirmed at closing by title company. Payoff check sent to SPS.. XXXX. SPS confirmed received XXXX. SPS paid from escrow on XXXX insurance due XXXX and real estate tax on XXXX due XXXX neither disclosed on statement or confirmation. Insurance cancelled on XX/XX/2022 and payment and per diem refunded to XXXX. 
Tax payment made by title company and duplicate payment returned to SPS. SPS refused to issue satisfaction of mortgage and is paying excessive insurance each month as well as paying real estate taxes and will not return duplicate payment. SPS received full payment of mortgage. 
With the return of the duplicate tax payment SPS had money in escrow. SPS continues to run up blll for payment of insuance on property paid off and pay property tax which new lender is paying. Lender not about to commence foreclosure action on mortgage fully paid off. Spoke to SPS and they refused to stop paying insurance and real estate taxes or state how much was in escrow when they received the payoff payment
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion for Illegal Rental Background Check and Credit Reporting Practices I submitted a complaint In reference XXXX apartments rental history report which was inaccurate. Transunion and XXXX company obtained eviction records also failed to identify where records come from and was told that records were taken only from the jurisdictions where the proceedings took place. I have had several issues trying to find a place to live did not know it was a third-party vendor I needed to contact to correct inaccurate information. They refuse to correct the issue
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

Greetings, I called XXXX to make payment arrangements on or about XX/XX/XXXX stating that I would pay on XX/XX/XXXX as I had lost my employment and has recently obtained new employment and was waiting for a check in the mail. On XX/XX/XXXX XXXX erroneously and illegally reported a late on my credit file. Right after this reporting by XXXX, my credit dropped drastically by XXXX points. I have had good credit and this one erroneous and illegal incident by XXXX made my credit dropped drastically damaging and negatively effecting my credit file. Note that, I actually paid this bill on XX/XX/XXXX a day prior to the arrangement. 

This has caused me a great deal of emotional distress and hardship as, to reiterate I had good credit and an excellent payment history with XXXX. This is also causing great deal of emotional distress and hardship, because I am currently looking to move to downsize and this will have a negative impact on my securing a new residence.

I am looking to get this immediately removed and I am contacted all of the credit agencies.

I am also looking into why would my credit fico drop so drastically just by one credit card company reporting a late. 





Sincerely, XXXX XXXX XXXX. 

Ref : XXXX
Consumer complaint received 2023-10-14
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: Experian Information Solutions Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00}
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

I have had a Capital One credit card for a while. In XXXXXXXX XXXX XXXX, I noticed charges that I believed were not made by me. I disputed the charges and a new card was sent to me. I did not activate that card ( no 2 ). I discovered that a number of charges were made to that card when I received a bill. When I realized something was going on, I notified Capital One and locked my account. I filled out and submitted all of the documents that Capital One requested. Ultimately, these charges were determined to be fraudulent. While I was trying to resolve the issues with card no 2, a new card was issued to me. This card was sent to my family post office box. I did not request this card, either. I believe the card was sent to that po box because I had requested the documents I needed to dispute the charges on card no 2 be sent there. At this point, I was concerned that someone was intercepting my mail and had activated card no 2. I did not activate that card No 3. However, it was used to purchase {$7000.00} in product from one vendor. Initially, without my requesting, Capital One reversed that charge, but then reinstated. At the time of the transaction, I had received an email notification indicating the possibility of a fraudulent charge and I acknowledged that the charge was fraudulent. I have notified Capital One that I believe I am a victim of identity theft and fraud. There were several strange incidents around this charge. 1. the fraud alert, 2. there was an effort to pay the bill from a bank that is not mine, ( this was reversed ), XXXX there have been attempts to log into the account which were not made my me ( I have tried calling about this but was told there was no way to trace it ), 4. once when I tried to log in, another person 's name came up although I had saved my log in information. I have tried to resolve this with Capital One, i have called many many time and have not been able to resolve this problem.
Consumer complaint received 2018-11-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

Per my last complaint. This account has been in dispute with Hunter Warfield since XX/XX/2018. A certified dispute was mailed to the collection company multiple times requesting an itemized report of the alleged amounts owed and why. A copy of the lease has been received from Hunter Warfield, but this company has failed to comply by my request of an ITEMIZED report of WHAT is owed and WHY. A copy of the lease does not fulfil the request of an itemized report of the amounts owed and why. I have request this information because I was NOT evicted from this property. I do not feel that I am obligated to any amounts owed. Hunter Warfield has had over 120 days to provide proper verification of the amounts owed via the multiple disputes received regarding this account. Based on my last complaint, Complaint # XXXX-XXXX, a representative from Hunter Warfield was able to confirm that they have indeed received my request for verification of the amounts owed. They have not provided proper verification of the amounts owed. By law Hunter Warfield is obligated to provide the requested information within 30 days of the initial dispute. They are now breaking the law by keeping this inaccuracy on my credit report without providing me with the requested documentation. I do plan to use my rights under FCRA, to sue for deformation of character. Again, this is against the law. Attached is another copy of the notarized Dismissal from XXXX County Court house. Please DELETE this account. Balance owed is {$0.00}. 

Thanks!
Consumer complaint received 2023-10-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I am writing to complain about actions taken on my account that resulted in my credit score decreasing by XXXX points on XXXX.I have also initiated a dispute with XXXX concerning this matter. The problem started in XX/XX/XXXX. Two payments were sent from XXXX XXXX  in the amount of {$52000.00}, dated XX/XX/XXXX and XX/XX/XXXX. When I discovered these duplicate payments I contacted XXXX XXXX to notify them of the error. The XXXX credit card statement shows balance total - {$77.00} balance total and {$.00} minimum payment due XX/XX/XXXX. 

My credit card was declined on XX/XX/XXXX at XXXX. Later that same day, I called BOA and spoke to a service representative. I explained the problem with the duplicate payment and that my credit card statement stated XXXX minimum payment was due as of XX/XX/XXXX, He stated that on XX/XX/XXXX XXXX BOA did a payment adjustment in the amount of {$520.00} on XX/XX/XXXX for the payment dated XX/XX/XXXX which caused a credit payment to be overdue. He told me that he would waive the late charges and interest if I paid the payment at that time. He advised me to make the payment on the BOA application which I did while I was talking to him. After he was able to verify the online payment he reactivated my credit card and removed all late charges and interest. I asked if my payment would be reported as late to the credit bureau and he said that it would not as it was not over 30 days late. 

Although the electronic payment was made on XX/XX/XXXX and posted on XX/XX/XXXX in the amount of {$520.00} pursuant to my phone call the previous day to BOA, another payment in the amount of {$520.00} was returned unpaid by BOA on XX/XX/XXXX for the payment dated XX/XX/XXXX. Bank of America had already done a credit adjustment for the duplicate payment of XX/XX/XXXX on XX/XX/XXXX which was shown on the XX/XX/XXXX statement. This was clearly a BOA error. I am being unjustly penalized due to their actions. See attachments. I made payments to BOA for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Thank you for your consideration of this matter.
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Finance Company, LLC (GA)

To whom it may concern, This is a good will letter asking for Celtic Bank XXXX credit card to remove the 30 day late payment from credit file. I am currently undergoing XXXX and had no one to assist me in paying my bills. This 30 day late has dropped my score significantly and I need special financing on medical equipment and they wont approve me due to the 30 day late payment. I am inXX/XX/XXXX need of this life changing device. Medical insurance is not covering the entire cost and ai have to finance the rest. Going forward I have set up automated payments so this wont happened again. Please excuse this 30 day late and have it removed from my credit file so I can get financing on my medical equipment. At the time of this payment I couldnt even walk and had a breathing tube down my nose. Thanks in advance
Consumer complaint received 2018-11-08
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. (TX)

I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Experian is unable to help me remove this, CFPB please delete the accounts 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2023-10-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MI)

My XXXX return was XXXX  deposited to my venmo account. Since the deposit my account have been frozen and unfrozen whenever theyve felt the need without any explanation. Ive called multiple times try to just release the fund because they are too difficult to deal with. Finally my account was frozen and deactivated recently with most of my account balance still held in the account. Ive called and emailed them attempting to get some sort of the money that was left in my account, but they just send the exact same emails over and over. There is a total of XXXX dollars left in my account and they are holding my money for rent as well as other bills and havent been kind about it at all.
Consumer complaint received 2024-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

MY RESPONSE TO COMPANY RESPONSE LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER V 1692 Quick search by citation : Title Section 15 U.S. Code 1692 - Congressional findings and declaration of purpose U.S. Code Notes prev | next ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION IF YOU USE THE FIRST TWO LAWS AND YOUR DISPUTES COME BACK AS ACCURATE, YOU CAN USE THIS LAW TO DEMAND PROOF OF THE INVESTIGATION THAT TOOK PLACE TO VERIFY THE ITEMS IF THEY CREDIT REPORTING AGENCIES CAN NOT PROVIDE IT, THEY MUST DELETE THE ITEMS FROM YOUR REPORT my name is XXXX XXXX false information on my credit report I noticed today XX/XX/XXXX IT IS NOW XX/XX/XXXX I ask please to DELETE and remove false items reporting on my credit. thank you Have a Good day ACCOUNT NAME : LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX Account number : XXXX Balance details 0 % paid off Balance {$660.00} Balance updated XX/XX/XXXX Original balance {$660.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$660.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Company Contact info Account Name : LVNV FUNDING LLC Address po box XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2023-10-16
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (GA)

My vehicle was totalled out by XXXX XXXX and the amount owed was at the original amount of the loan when I took it out with US Auto Sales. I told them this was incorrect and that I did not sign a contract with them for my vehicle. It should have been closer to $ XXXX {$10000.00} after what I put down and my bi monthly payments. I was hung up on every time I tried to speak with a,. The insurance paid out {$9800.00} which was what was owed on the vehicle. They are reporting that I still have a balance and am XXXX days behind.