davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (GA)

I sent a Wire money transfer on XXXX to Coinbase Inc. The bank facilitating the money transfer " XXXX XXXX XXXX XXXX XXXX XXXX '' who confirmed they received and forwarded the Money to Coinbase. Coinbase is a cyber-currency Exchange that is overwhelmed and understaffed to handled the volume of money that they are receiving. They have been in possession of my monies every since XXXX and they have not credited my account or returned my monies to this date. You can not talk to anyone over at Coinbase and they are extremely slow to even return emails. I have missed out on huge run ups on the cyber-currency sine XXXX. The whole purpose of the wire was to have it credited INSTANTLY not for it to be in the possession of a company that is not clearly giving me answers or simply returning my money in an expedient manner. Wires are easy to trace and reverse so i see no excuse for this taking OVER 2 Weeks and counting!! See attachment for dates, contact info, and Federal IMAD numbers. There a lots of other people in my same situation there is a message on Coinbase website advising degraded service on Wires denoting a huge number on customers affected.
Consumer complaint received 2017-12-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Collection Services, Inc. (NE)

Receive notice from credit bureau that a collection file was added to the 3 credit bureau, for a XXXX dollar debt. I have yet to receive a written documentation from this collection agency in order for the right to confirm, or reply for verification of debt per. the fair credit reporting act. But they added this debt without giving me due process to verify this debt. In doing such I had no right to dispute or confirm if this an original debt is correct. in doing this unfair practice my credit score was drop, and made collection added as if it valid. I 'm a single parent trying to do right I will not be rail roaded unfairly.
Consumer complaint received 2016-12-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

This company created an illegal account under my name and they are reporting to my credit report affecting my score and my ability to obtain a mortgage loan. I called and spoke to XXXX different representatives and they keep telling me is a joint account. I called the original creditor for this account spoke to XXXX at the XXXX XXXX department. She verified that the account belongs only to XXXX and they do not have any record of me under that account. I called back the Portfolio Recovery spoke to a XXXX XXXX and he was not willing to research their mistake. Even Portfolio Recovery sent me a verification stating this account belongs to XXXX only and yet they created an collection account linking to this person collection debt.
Consumer complaint received 2017-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MA)

On XX/XX/XXXX I placed an order with XXXX XXXX XXXX online ordering for an animal planet playset in the amount of {$3500.00}. The amount was pending and as it shipped on XX/XX/XXXX was cleared and taken out of the account. Their was a problem with the delivery service and package was said to have been delivered XXXX but it was not at my home. I called the online phone number and the person was going to cancel the order and I was going to repurchase the same item. This " second '' order never took place and my information was not entered into any system to reorder it. After that phone call I called payment center and noticed that another amount of {$35.00} was not available in the balance I had on the card. I called the next day because the package did show up but it was late and the delivery service was contacted as well. I was on the phone for almost 2 hours with a rep trying to figure out why I had a pending transaction with no order. She told me in 3-5 days it should drop and be resolved. Well I checked after 5 days and no change. This was XX/XX/XXXX. I called them again and was told to give it a week because this person was going to try to cancel it as well. Well no change yet again and I called again .... and this time they said it would be resolved in 7 days but again was not. I called XX/XX/XXXX and was extremely angry about this and was said that because of the trouble they would resolve this by refunding me the amount {$35.00} and it would be all taken care of in 5-7 days. Today I called to check if everything was all set and I got charged another {$10.00} when I have n't used my card since XX/XX/XXXX for the original purchase. I have an email confirmation of the original order and a complaint I emailed to the delivery service that the package did not arrive on time. I also have reference numbers for the conversations I 've had with XXXX XXXX XXXX costumer service line. I was told by a manager to call my bank. I did however call the credit service and they said I did not have an additional charge and I was told because it was a hold not a charge by customer service line.
Consumer complaint received 2016-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (CA)

We are currently trying to refinance with Freedom Mortgage and it 's taking over 3 months.My husband and I have good credit, have a good income, have more than the necessary equity in our home, have never been late for a single payment and yet they are giving us the hardest time. We already have our mortgage with them but we no longer want the fha pmi. My concern is that they are purposefully dragging this out. 

There is clearly an issue with this company. I wish we had gone with a local bank who could have had this loan done 2 months ago, but we 've already paid {$500.00} for the appraisal. They have been saying just 1 more week, every week for the past several months. I fear it will never end!
Consumer complaint received 2017-12-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

Numerous calls to my cell phone and my wife 's. She is not on the account and they told her she was which is a lie. 
Called on my cell phone # 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 Called on my wife 's cell phone # XXXX/XXXX/XXXX @ XXXX XXXX
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a complint against XXXX XXXX XXXX for some late reports on my credit, acct XXXX, they did resolve that with the exception of one from XX/XX/2015. I have tried disputing and contacting company but unable to obtain verification as proof the payment during that time was late and the credit bureau almost immediately reports information accurate. My other issue, upon XXXX XXXX XXXX correcting the other late charges they provided the credit bureau with addresses that I have never resided without my knowledge, consent or confirmation. I inquired with the credit bureau Trans Union how they allow for someone or any company to report unverified information on a person and they reflect it on the account. The response from the Rep. is they only document what is provided to them and they do not verify or request any verification of information reported. This act from XXXX  XXXX XXXX and Trans Union/Credit Bureaus was fraudulent, inaccurate and deceptive, specifically for others reviewing my report for credit. To report inaccurate, unverified information should not be allowed and there should be compensation. I contacted the Transunion and the information was filed, but it is unacceptable for an Credit Bureau to report any information given to them that has not been verified or even documented by the person being reported on. This is an unfair practice and intentional malice to lower or ruin someones credit.
Consumer complaint received 2017-12-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

On XXXX XXXX XXXX, I sold {$13000.00} worth of bitcoin on the Coinbase app on my phone and had the funds transferred to my XXXX XXXX on coinbase as {$13000.00} ( due to a XXXX dollar fee ). This wallet is NOT my bank account and the funds should have been in my account instantly as soon as the bitcoin was sold. 

The sell shows as completed on XXXX/XXXX/XXXX at XXXX. 

The XXXX XXXX which the funds should been in INSTANTLY afterwards still shows as pending. 

I have sent multiple service requests and multiple emails with nothing more than just 1 response with no answer as to why my money is still pending. They have no longer responded after the first reply on XXXX XXXX, which, as I said, provided no answer. 

I have attached screenshots of my outgoing and pending transfer. 

My case number is # XXXX I also have other transfers/buys/sells which have gone through, but not this one.
Consumer complaint received 2017-12-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (CA)

Recently obtained a mortgage for {$800000.00} with Wells Fargo account. I told them at the time that ALL funds would be transferred out of my new account to fund the mortgage as it was the funds I needed for the loan. I personally went into the XXXX XXXX, CA location on XXXX XXXX XXXX to set up the account and experienced a young gentleman name, XXXX XXXX who asked a zillion and one questions as to what I was purchasing and doing with my money. Personally I told him it was non of his business as his voice was extremely loud and carried throughout the bank. He was so unprofessional when it came to doing business nor did he have any business sense in keeping peoples banking affairs on a confidential level. At that time, I told him the account was would be closed after the funds were transferred out as I did not want to hold a personal account with Wells Fargo. He was persistent with me and continued to ask. The more he asked the more upset I got. I told him I do banking with a local banker and very happy with my current situation. This transaction took place on XXXX XXXX, XXXX. Since then, Wells Fargo took it upon themselves to withdraw {$63.00} out of my XXXX. olds account who also we filed a complaint as his account was compromised by excessive fees. Again, typical of Wells Fargo and charging fees that are unnecessary to the consumer.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Hello, Both Experian and XXXX have been notified three times with a written request, with no cooperation, of the erroneous entry of XXXX reporting a 30 late on my credit. 

In addition, XXXX was called two times. 

First, XXXX of XXXX was contacted XXXX XXXX  XX/XX/year>, and she assured that my account is in perfect standing with no lates. She stated that they're collecting more money than I owe and have a benefit of XXXX Second, XXXX XXXX XXXX was contacted XXXX XXXX  XX/XX/year>, ALSO assured that my account is in perfect standing with no lates. I mentioned the concerns how this erroneous entry is adversely impacting my credit and that it's in direct violation of Federal Law. She reiterated everything that XXXX stated that they're collecting more money than I owe and have a benefit of XXXX and they owe me. She stated that Experian is at fault for the erroneous entry. 

In summary, two agents of XXXX have confirmed that I have no lates, the account is in perfect standing, and when asked for the original documentation, and there's not any original documentation of lates to provide, because there is no lates. XXXX has confirmed that Experian is at fault for the erroneous entry Thus, Experian has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA so they are required by law to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if they fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Experian is in violation of Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) Please investigate and enforce the laws, rules, and regulations on Experian, please. 

Kindest Regards, XXXX XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-12-29
Product: Checking or savings account — Checking account
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

I went to Fifth Third Bank to apply for a mortgage. While I was there they asked me to open a checking account as it would reduce my interest rate and Id be able to set up an ACH. I was told there would be no fee associated with the checking account. So, they had me sign about 20 pages for the mortgage company Nd the gentleman at the bank would verbal go through each one and give a debrief about what I was signing. Again, NEVER did we discuss fees! The mortgage was not approved and did not go through. I received a denial letter in the mail. However, they kept my checking account open, which I assumed ithe {$50.00} that I opened with would just remain in my account. That was not the case in XX/XX/XXXX I received a letter that indicated I was overdrafted and I owed them some money! I immediately called the bank when I was advised well I can see where the could have left this out because it was a mortgage but I can only refund you XXXX  dollars! I asked to speak to his manager and I never received a phone call from! So, I walked in to aine of their branches and the branch manager was busy working the teller line and was unable to assist me. I demanded corporate phone number, which was given to me. I called corporate and once I indicated I was writing to the CFPB, they said she could not discuss the issue any further and would have someone call me back within 24 hours! I did receive a call and I explained my situation the gentleman told me he would have to revie the issue and call me back! Its been over a week with no return phone call! I would like an investigation to see how many consumers have gone through this where they are mislead and then they take all of you money then ask you to pay overdraft fees!! They should not ask consumers top open a bank account unless theyve been approves for a mortgage!! This is fraud!!
Consumer complaint received 2017-12-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (MD)

XXXX/XXXX/XXXX - I received email solicitation to refinance with XXXX XXXX and receive a {$500.00} Ocwen " Loyalty '' Reward. 
XXXX/XXXX/XXXX and again XXXX I notified the " loan officer '' that I had completed preliminary disclosure documents but there was no loyalty reward and the documents reflected an appraisal fee that was paid. I requested accurate documents. I repeated this request to another purported loan officer on XXXX/XXXX/XXXX and, again to a loan processor. This was by electronic mail, and I will attach copies. 
I never received accurate disclosures. 
I received an email on XXXX/XXXX/XXXX that I had withdrawn the application and asking for me to complete an opinion survey. I completed the survey, said that I had never received disclosures, had NOT withdrawn my application and demanded a refund of the fee paid on XXXX/XXXX/XXXX in the amount of {$450.00}. I repeated this request for a refund on XXXX/XXXX/XXXX by email to the purported loan processor. I have not received a refund. I will attach a copy of the charge on my account, see p. 2 charge on XXXX/XXXX/XXXX in the amount of {$440.00}. 
XXXX is as much of a scam as Ocwen.
Consumer complaint received 2017-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CBNA XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2016-04-04
Product: Credit card — 
Issue: APR or interest rate — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

We have XXXX business products with Fifth Third Bank and recently I made two payments 8 days after the due date. The bank has hiked the rate up to 29.99 % on both accounts. I believe this has been done on discriminatory bases because we are a minority owned business. We are asking the bank reduce our rate back to previous afforable rates as before. Also, monitor Fifth Third to see if they are enacting predatory and discriminatory lending practices.
Consumer complaint received 2016-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (OH)

My complaint is with Midland Funding, LLC., and XXXX , XXXX & XXXX Law Firm. In XXXX 2010 Midland Funding LLC., filed a judgment against me ( case # XXXX ). The debt was paid in full ( I have documentation ) to XXXX, XXXX & XXXX in XXXX, 2010. To date, the judgment still shows open on my county 's Clerk of Courts website. I 've requested XXXX XXXX ( Attorney of record ) for this debt to please forward documentation to Midland Funding , LLC of the satisfied debt. To date, Midland Funding LLC., states they have not received documentation.
Consumer complaint received 2017-12-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NC)

My car company is through SANTANDER. 

In XXXX, I noticed that their phone system had trouble processing my payment so I called customer service who redirected me back to the phone system, which I applied my CC info. I was provided a confirmation number, but the payment was never processed. I received saying I 'm 30 days behind and I have to pay late fees, and it shows on my credit of a late payment. 

They told me, to use ACH payment online, it 's FREE and the best way because they pull the money out the same day. I did do so, and paid an additional {$150.00}, plus {$450.00} to bring me current on my payment. 

Now, they are saying the only way is to pay the {$5.00} to have a human process my payments because my payment did n't come through or that it was " returned ''. This magically happened after I filed TWO FTC complaints against them, ( one for the late fees, second for the payment options ). 

I make only {$10.00} an hour and live in NC, where the cost of living is not high, and I live hand to mouth. Meanwhile, this company calls me all day and all night, telling me they 're going to take my car, that they made bad notes on my credit, that now I 'm TWO months behind and keep charging me these ridiculous fees. o This is the FIRST time I have EVER leased a vehicle before and I ca n't believe my lender is behaving in this manner. I need help. What do I do? How do I make this stop?
Consumer complaint received 2017-12-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I have entered into a settlement with this company. I have XXXX remaining and the account is still adversely reporting on my credit. I have reached out to the company many times to ask if they can remove the account or update it into a positive status and they will not honor my request. I have successfully paid off one loan with the company and they will not remove the loan which I have already paid. I would like to have all data in regards to this company removed from my report as soon as possible. 

This is being reported every month as delinquent and hurting my credit score and in turn, preventing me from moving forward in my life. I intend to make my last 5 payments. Which is for XXXX each for 5 more months. I need this account removed. 

Thank you