davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (FL)

To whom it may concern : On XX/XX/24, I made a successful ( no Fraud or Risk related issues ) XXXX XXXX from my Bank to Coinbase. It was successfully ( no Fraud or Risk related issues ) accepted by Coinbase, who then successfully ( no Fraud or Risk related issues ) Bought Bitcoins for my account. 
In an attempt to Send some of my Bitcoins, I was alerted to the fact that my account was On Hold and I could not Send from my account until XX/XX/24 ( approx. XXXX weeks ). The reason given was based on protecting Coinbase and me from " XXXX and XXXX related issues ''. To get a better understanding of why such a relatively long Hold period, I Chatted with a few Agents. I basically was told that they do not make any policy decisions, they just enforce them. 
Since it was very important to me to Send some XXXX XXXX, I had asked numerous times to please put me in contact with a superior who could discuss this issue, in my opinion, of an unreasonable Hold period, and hopefully come to a reasonable compromise, especially since there was no obvious reason to suspect me of any foul play. They never pursued that option for me. 
On XX/XX/24, I successfully ( no Fraud or Risk related issues ) Sold some of my Bitcoins and had the resultant funds placed in my Coinbase Cash account. 
I discussed the Withdrawal procedure with an Agent and was told because of the Hold Period, which was to protect Coinbase and me from " Fraud and Risk related issues '', I could not Withdraw my funds from Coinbase to my XXXX XXXXXXXX XXXX Account until the Hold was lifted on XX/XX/24, I assumed for the same Fraud and Risk related issues that XXXX occur with a Coinbase transfer to a major XXXX XXXX 
Since I still believe that the XXXX week Hold was unreasonably excessive, and the fact that all I want to do now is have Coinbase transfer some of my funds from the successful Sell transaction, from my Coinbase XXXX  Account to my XXXX XXXX XXXX Account, which I believe is a very common daily function performed by Coinbase, I am requesting that the Hold Period be reassessed and have my Withdrawal or Send request honored as soon as possible.
Consumer complaint received 2015-11-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

1- My monthly mortgage payment for XX/XX/XXXX was {$1200.00}. I sent in a check in the amount of {$1800.00}. As you can clearly see on the check and on my monthly payment coupon I had stated that I wanted an extra {$600.00} to be applied towards the principal payment. Ocwen failed to apply all of the {$600.00} dollars towards the principal and only applied XXXX towards the principal. XXXX not sure where the other {$19.00} XXXX was applied to? 
2- My monthly mortgage payment for XX/XX/XXXX was {$1200.00}. I sent in a check in the amount of XXXX. As you can clearly see on the check and on my monthly payment coupon I had stated that I wanted an extra {$650.00} to be applied towards the principal payment. Ocwen failed to apply all of the {$650.00} dollars towards the principal and only applied {$620.00} towards the principal. XXXX not sure where the other {$22.00} XXXX was applied to? I have tried to resolve this and many other issues with my so called relationship manager XXXX XXXX, I have talked to her a couple times on the phone but every time we have talked she says that she is unable to pull up my account on her end. She had requested that I fax her some of my payment coupons and that she would be able to get everything taken care of. After I did she has never returned any of my calls or e-mails.
Consumer complaint received 2015-11-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (IN)

We have a mortgage with Chase Bank. We have suffered a financial hardship that has caused us to fall behind on our mortgage. We want to keep our home but have exhausted all our efforts trying to work with Chase and staff. It has been extremely difficult getting past all the red tape and we are concerned that Chase will wrongfully foreclose on our home, due to no fault of our own. I have applied for a modification at least XXXX times with no success. At this point we are n't allowed to make any sort of payment. We will what they are doing to us is not fair and is not giving us a very fair chance. We are desperate in efforts to try and keep our home but feel they are n't giving us a fair chance in doing that. We have been put on a couple different re-payment plans that are extremely outrageous and we would not be able to provide for our family with paying those payments. All we are asking is for a fair chance in keeping our home.
Consumer complaint received 2015-11-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

My complaint is regarding an opened XXXX XXXX credit card account. XX/XX/XXXX I have been unable to use the line of credit from XXXX XXXX credit card due to a restriction placed on my account XXXX. XX/XX/XXXX they refused my request to close the account since I am not allowed to use it, for which my request was denied. XX/XX/XXXX XXXX XXXX assessed a {$19.00} annual fee to my account. I refused to pay the fee being that the account is restricted, I can not utilize the line of credit, and they refuse to close the account. As a result, that have assessed several months of past-due fees and interested and reported my account delinquent to all XXXX credit bureaus for past few months. What actions can I take against XXXX XXXX to force them to close my account and correct the negative information on my credit file? Is what they are doing legal?
Consumer complaint received 2015-11-17
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Neon Newco Corporation (NV)

well, i cash my income tex check with XXXX XXXX in 2008 i put the sum of XXXX dollars a cuple weeks after with XXXX XXXX and netspend was the card holder at that time, well i was told that the card would be sent to the address i was staying at, well i ended up moving before the card came, so i went to the place where i was staying at and talk to one of the guys who work there and he said that a card came but he sent it back to the sender where the card came from. so i went to the place where i put my money at and they told me that they didnt have any paper work on or about my money or anything showing about what or how much money i put in that i would have to talk to netspend, well i talk to netspend and they lie, d about every thing, i know what i did and how much money they owe me, and if i dont get my money real soon im going to sue them i talk to my lawyer yester day. thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (CA)

I disputed a home phone bill with the XXXX major credit bureaus and Debt Recovery Solutions, a collection agency for the original creditor. It was settled in my favor and deleted with the credit bureaus and Debt Recovery Solutions did not respond. After the credit bureaus deleted the debt from the last of my XXXX credit reports, Debt Recovery Solutions began to send NEW correspondence, as if it had not been disputed. They continue to threaten to report it even though it has been one year this XXXX 2015, since the first disputes to the credit reporting agencies. They say I am ignoring them, but I have already provided my dispute to the credit bureaus, now I feel like I am being harassed. I have read how they were sued and lost in court for harassing someone this year. Debt Recovery Solutions is XXXX XXXX XXXX XXXX, XXXX, New York, XXXX, phone XXXX and XXXX XXXX
Consumer complaint received 2015-11-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (FL)

My car has been reported a total loss. Ford Total Loss Department and my insurance compnay drug their feet throughout the process causing my account to become severely delinquent. They over valued my car, and now I am stuck paying for the negative equity from my previous car financed thru them. My payment was reduced down to {$210.00} approximately for 36 more months, mind you I have no car. They harass me and threaten to charge off loan when the loan becomes 2 months delinquent. My online access has be blocked so no payments can be made, and I have no clue what is owed because I receive no statements in the mail. Not sure how they get away with this. I should be informed on what is owed if I am to pay for something, especially a car I no longer possess. Their GAP Insurance I was told by salesman of Ford that this would satisfy any negative balance during an accident. This was not the case.
Consumer complaint received 2015-11-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (FL)

There is an account that is my wife 's only and now showing up on my credit file because it is delinquent. I never signed to be financially responsible for this account and when it was positive it was not showing on my report. I tried to resolve and this company has nothing I signed. Please help me
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.
Consumer complaint received 2015-11-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I am a regions bank account holder first off I had a payment due on XXXX/XXXX/15 and they ran the payment through on XXXX/XXXX/15. Which is not right. I deposited money in my account on XXXX/XXXX/15 I was XXXX short and was advised by a representative on XXXX/XXXX/15 that I would not get a overdraft fee because it was not over XXXX On Monday XXXX/XXXX/15 I was given a overdraft fee. Also they said my deposit does not show that it was put in on XXXX/XXXX/15. It shows XXXX/XXXX/15. I immediately called the bank and spoke to managers. They have no records of the call. This is not right. I should not have been charged the over draft fee. I have had nothing but overcharges for overdrafts since day one with the bank. I want my account to given credit for the overdraft. They continue to do this to people and it is wrong!
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NV)

I sent Equifax a request to remove a Tax Lien from my credit report. The Tax Lien has been withdrawn by the IRS. I forwarded all documents to Equifax to document my request but they still did not remove it from my credit report. I need to have this item removed immediately.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I viewed my credit report and noticed many inaccurate and inconsistent information across the bureaus. I have disputed many times asking for validation of this debt but I keep receiving generic verified updated letters but the inaccurate information is still the same and I have not received any information on what was investigated. There are inconsistencies with the account status, date opened, high credit, credit limit, date last active, and date of payment with each company.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2015-11-17
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX/XXXX/15 I authorized a charge of {$3300.00} to my American Express card to be paid to the merchant XXXX for the cross-country transportation and delivery of a container of household goods. On the contracted delivery date of XXXX/XXXX/15 the merchant failed to deliver the goods due to an error made by one of their employees ; the container was delivered to the wrong location. I contacted AMEX, told them the goods were not delivered, and that I wanted to dispute the charge. AMEX then issued a credit to my account. AMEX apparently also reversed their original payment to XXXX at this time. 
On XXXX/XXXX/15 XXXX delivered the shipment to the correct location. I then contacted AMEX, told them the goods were delivered, and to remove the dispute from my account. However, I noticed in the following days that the charge did not reappear on my AMEX statement. I contacted AMEX multiple times over the following weeks regarding the original dispute. Each time I was assured by a representative that the merchant XXXX had been paid, that the dispute was marked as resolved and closed, and that the charge would appear on my next statement. 
On XXXX/XXXX/15 I received a notice from a collection agency stating that I am responsible for paying their agency {$3300.00} for an unpaid debt to XXXX. I contacted AMEX XXXX/XXXX/15 and spoke to a supervisor. This AMEX employee stated that AMEX never paid XXXX after I removed the dispute -- their error. 
The problem remains : Who should AMEX pay -- PODS or the collection agency, and who will pay the ever-increasing penalties?
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (LA)

I have some unauthorized inquiries on my credit report from companies trying to run my credit without my consent and it has drastically hurt my credit scores. I would like these inquiries removed immediately. I should n't have any inquiries on my file at all. I filed a fraud Identity theft report in XXXX 2014 and sent all my documentation to the credit bureaus and they still have allowed this to happen.
Consumer complaint received 2015-11-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (NY)

My husband and I took out a loan for our daughter to attend a private high school though AES/NCT. My husband I split up and it went into default. As of XXXX 2015 it was paid in full. XXXX XXXX has taken it off the credit report but it is still on the other reports. I have called AES ( American Education Services ) several times and have contacted the credit bureaus. The credit bureaus tell me AES needs to remove it and AES tells me they no longer own it so they wo n't remove it. I have disputed this several times with the credit bureaus, each time they tell me AES states that I am still responsible. As this has been settled through a third party ( XXXX XXXX XXXX XXXX. ), how do I have this negative reporting removed since this account has been settled?.
Consumer complaint received 2024-11-13
Product: Credit reporting 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. (TX)

Hard inquiries not authorized by me have appeared on my credit report, violating 15 USC 1681b ( c ) ( 2 ) and lowering my credit score. Please remove these immediately.
Consumer complaint received 2024-11-13
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. (FL)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-13
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. (CA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX Card on XX/XX/XXXX under the account number XXXX, another personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and lastly a personal credit account opened at XXXX XXXX. on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported.

The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-11-13
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. (NY)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$650.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$360.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$620.00} INQUIRIES : ==== XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-13
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. (CA)

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
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 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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-19
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Williams & Fudge, Inc (NH)

I submitted my loan towards XXXX XXXX a few months ago for XXXX XXXX. Today I have received a letter in the mail stating that {$25000.00} was sent to collections. This is not correct. I filled out a loan for the amount that I owed XXXX college and it confirmed that the loan was all set. Now I have this {$25000.00} in collections and can not go about paying for this without a loan. This will be under my belt for the rest of my life. I was never notified that it did n't go through or that the money was going to be sent to collections. I 'm very upset that this has happened and would like to solve this problem asap. Whether that means taking the money out so I can process the loan again or I 'm going to have to find other ways for this to be solved.
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (IN)

I have requested my free credit report from all XXXX credit bureaus. I have received the reports from XXXX and XXXX. Equifax has not submitted my credit report after XXXX requests made via mail. I have submitted valid documentation to Equifax which includes XXXX form, Social Security card, driver 's license and a copy of my utility bill. I have mailed requests to Equifax XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. As of this date, I still have not received my credit report.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.