davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC (FL)

Dear CFPB, I am submitting a complaint against XXXX XXXX XXXX. Back in 2014, I had a phone account with XXXX. Last year, XXXX informed me that my account has been sent to XXXX XXXX XXXX. I was not provided written notice of this debt at all in 3 years. According to Florida Law, I was supposed to be provided with written notice of the debt. The company has not contacted me in almost 3 years since then, and the information was reported negatively on my credit report.
Consumer complaint received 2018-01-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MA)

On XX/XX/XXXX, I attempted to withdraw my funds from Coinbase, a virtual currency exchange. I wanted to withdraw {$520.00}. My funds were promised to be delivered to my XXXX XXXX XXXX Account on XX/XX/XXXX. Since then, it has been nearly a month and I have not seen my money. I contacted support on several occasions through their support website. I received generic responses that said delays were occurring. Their phone support refuses to assist in such issues and insists that their email is the only way to get this issue sorted.
Consumer complaint received 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (NC)

On   XXXX   XXXX   XXXX   ( via certified mail ), a letter was sent to  National Credit Systems requesting documentation to verify the debt and prove my legal obligation to them for information they provided to the credit bureaus relating to a certain account. I asked that all of the requested documentation be furnished within thirty ( 30 ) days of receipt of the request, and I advised if they failed to provide any portion of the requested documentation, all references to the account would need to be immediately removed from my  credit files and any further attempts to collect should cease.     On or around   XXXX   XXXX   XXXX    , I received an incomplete response from the company, and, as such, on   XXXX   XXXX   XXXX    , I sent subsequent correspondence ( via certified mail ) advising that they failed to comply with my initial request and all references to the account needed to be removed from my credit files immediately.     To date, the company still has not complied with my initial request and have not removed the account from my credit files.
Consumer complaint received 2018-01-03
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. (TX)

I applied to take over a lease from a private party through the website XXXX of which I am a member. The leasing company was XXXX XXXX. They denied my application. I requested in writing why it was denied and the written reply was " Terms/conditions requested not offered ''. What the does that mean ... you ca n't talk to a person. I requested a copy of the report that was used to deny the application. They charged me {$120.00} to apply so I should be entitled to see the basis for the denial. The last communication from them was on XXXX/XXXX/2017.
Consumer complaint received 2018-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/XXXX, I made a principal payment to my mortgage account that dropped the original loan to value to below 73 %. 

OnXX/XX/XXXX, I contacted XXXX to ensure PMI will be automatically dropped as required by Federal Regulation since the balance is below 78 % and I have never missed a payment. XXXX refused to automatically drop the PMI and further stated they only drop PMI after the loan is 5 years old and the loan to value limit is reached which is a clear violation of Federal Regulations concerning PMI. I was also told I must send a letter to 5/3 requesting that PMI be dropped and if I didnt they would continuing charging PMI for no reason other than that the mortgage loan is not more than 5 years old.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-11-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I sent a Wire Transfer on XXXX XXXX, 2017 in the sum of {$5000.00} to Coinbase and received this email the following day : " XXXX replied : Hi there, This email is regarding a wire that was sent to your Coinbase account. 

Unfortunately it appears that the legal name on the wire we received is the name of your bank. Please work with your bank to correct this. 

In order to wire funds to us, the name on the wire must match the name on the Coinbase account. Because of this we will be returning the wire, and the funds should arrive in your bank account within a 3-5 business days. 

Moving forward, please wire funds from a personal bank account held in your name to avoid any wire processing delays. 

Thanks for choosing Coinbase! '' It was stated that the funds will arrive back to me within 3-5 days, but as of today I have not received the fund back in my account. There is no reply when contacting support or any information as to where the money has gone. It is a fraud that this company is able to withhold money indefinitely without providing any means of contacting someone who is able to correct the issue. 

The coinbase case number that was provided to me is : XXXX
Consumer complaint received 2017-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (AR)

XXXX   XXXX   XXXX   started contacted m e in 2015 from a   XXXX   XXXX   I had at one point. The original creditor and this agency is trying to collect on the same debt. It is reporting to all 3 bureaus in the amount of {$620.00}. I do not owe this company, and have no idea who they are. I asked for validation and not verification of this alleged debt. I have no contract with this company and do not owe them. The bureaus have failed to validate any info that I asked for.
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (PA)

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

I have made previous attempts to fix this issue directly with them and They are violating my rights. I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP. Delete ASAP
Consumer complaint received 2018-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

I spoke with XXXX XXXX in XX/XX/XXXX and twice in XX/XX/XXXX regarding my new repayment plan. My repayment amount went from $ XXXX/month to $ XXXX/month. I told XXXX every time we spoke that I could not make that payment. I submitted two requests to change the plan as well as documentation of my expenses as requested by the numerous XXXX personnel I spoke with. I told them every time we spoke that they were absolutely not authorized to take {$520.00} out of my bank account on XX/XX/XXXX. XXXX ignored me and took the amount out, unauthorized. I called three times on XX/XX/XXXX and spent over 1.5 hours on hold during that time. I have submitted a third repayment plan request at the instruction of XXXX. XXXX will not return the {$520.00} and my bank is not able to stop the payment because it has already gone through. Every person I spoke with was either unhelpful or rude.
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (CT)

I have been being charged for an Experian Membership for months without my knowledge. I have tried to cancel on multiple occasions and they do not allow it. I can not get someone on the phone and every time I call the wait time is over an hour. This is unacceptable for a company charging me {$30.00} each month I do not have a username and password and the only e-mail address I have explains that it is not valid. 

All I want to do is cancel my account so they do not steal {$30.00} from me each month. Its easy to start up with them but impossible to cancel.
Consumer complaint received 2018-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

This is a complaint against Ally Bank regarding my checking account ending in XXXX. Checks I have deposited into that account range between a {$200.00} and {$530.00}. Ally 's policy is that checks over {$200.00} should have only a 2 day hold yet their actual hold times on over {$6500.00} of my deposits has been more than 5 business days to date. I deposited 17 checks on and between XX/XX/XXXX XX/XX/XXXX for a total of {$7400.00}. I sent secure messages to Ally Bank through my online account on XX/XX/XXXX and XX/XX/XXXX requesting that they make the funds available. I have not had a satisfactory response. I have also tried calling the bank 3 times to talk to someone and each time the hold time was over 30 minutes. I could not hold that long two of the days I called. Today after holding 37 minutes the system hung up on me before anyone answered. My online dashboard says I have available XXXX with a current balance of {$10000.00}. The problem is that after seven to nine business days since my deposits, still {$6500.00} of my funds are not available to me. I want Ally to make all the funds in my current balance available to me.
Consumer complaint received 2018-01-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

Repeated calls over 3 years to Navient to inquire about status of loan repayment. Repeatedly asked for loan to be changed to active repayment, and was told that my loan was in active repayment, even though the status on Navient web site said deferment. Due to this misinformation, my account continued to accrue unnecessary interest.
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have disputed this now for the fifth and FINAL time. I have an attorney on retainer and ready to sue Experian for furnishing my credit information to someone in Oklahoma. I have signed and notarized avadavits from over 40 people stating that I have never lived in Oklahoma. I understand that Experian is racist.
Consumer complaint received 2018-01-03
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. (NY)

Equifax is allowing XXXX to report falsely..I have disputed numerous times with them. I have two XXXX accounts which were sold to another collection company called XXXX. The balance should be {$0.00} on both accounts. I have the paper trail of every dispute
Consumer complaint received 2017-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (LA)

I checked my credit report in XX/XX/XXXX. I saw a from AD Astra saying it was owed to a company name XXXX XXXX in the amount of {$590.00} from XX/XX/XXXX. I sent the company a letter XX/XX/XXXXcertified mail asking them to send me the contract I signed and to validate the debt. They sent me a letter stating it is valid and a contract with my name printed on the form with an address that does not belong to me. This debt has not been validated and they refuse to remove it from my credit report.
Consumer complaint received 2018-01-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

before the XX/XX/XXXXdue date as well as the second payment was sent before the XX/XX/XXXX deadline. On XX/XX/XXXX XXXX XXXX XXXX XXXX filed a mortgage foreclosure on XXXX XXXX XXXX 
Ocwen portryed they could assit me. Instead left me homeless and short on funds. 
Ocwen also retained Insurance proceeds which were due me for 4 years. They had just released the funds XX/XX/XXXX. 

Ocwen purchased XXXX XXXX back in XX/XX/XXXX. However XXXX XXXX XXXX initiated and completed foreclosure on XX/XX/XXXX. They also received a default judgement on XX/XX/XXXX. ( At his time I was in a XXXX XXXX XXXX and eventually XXXX XXXX XXXX XXXX XXXX ). 

Ocwen Loan Servicing has also been repoting incorrect information to the credit beaureaus since XX/XX/XXXX until present. A I have never understood how Ocwen Loan Servicing could purchase my previous lender XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. was able to foreclose. This does not seem fraudlent to me. I am very interested in getting my home back to my ownership if at prayerfully possible. 

I have attached paperwork and cases
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

XX/XX/year> : I was preparing to pay a credit card bill. I always pay the whole amount. I noticed there was an interest charge of {$22.00}. Then I noticed I had made an error of XXXX cents on the previous bill and for this reason they were able to add this unreasonable interest charge based on the month 's billing. I spoke to three different people and they all said they had no power to reverse the charge even though I have been a customer for more than 50 years and always pay my bills on time.
Consumer complaint received 2018-01-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

There was a fraudulent transaction to my personal checking account on XX/XX/XXXX.  Somehow, there was {$1500.00} taken out of my checking account from a bank teller in XXXX, Arizona. I live across the country in XXXX, NY and have proof that I was at work the day of the fraudulent transaction. I checked my bank info online on XX/XX/XXXX and immediately submitted a claim when their department was open that following Monday.. I have now filed a claim with Bank of America that has been denied, sent a re-claim with documentation attached. Still have not heard back or what type of direction the investigation has taken after no less than 7 calls to their department. No answer on while they denied my claim or answers on how they have investigated  claim. This should be an easy investigation by looking at the bank cameras at the time, date and location and noticing it was not me taking out the {$1500.00}.
Consumer complaint received 2017-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I closed my account in XXXX of XXXX and Bank of America is still allowing recurring charges to go through. The number for the recurring charges does n't work, I do n't recall ever setting it up and finally closed the account Bank of America account to stop giving XXXX {$10.00} a month and Bank of America says they will continue to pay it as long as quick books continues to hit the account.
Consumer complaint received 2018-01-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC. (AL)

On XX/XX/XXXX/2016 was the last activity with original creditor. My vehicle was turned in and set to be auction off. I had the car for almost 2yrs paying XXXX. When I was injured at work and was off with lil income coming in I fell behind. They came and got the vehicle and told me they was auctioning it off to be sold. I have asked for documentations on what was the balance before it was turned in, what was it sold for and has received nothing but calls and letters from Ally and a law firm protaining this matter
Consumer complaint received 2017-06-19
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

i have about  XXXX  credit hard inquiries that were randomly on my account all within a weeks time frame.     I did not make these inquiries as I was building my good credit starting at a score of  XXXX , and these inquiries knocked me down to a score of about  XXXX  I have contacted the credit bureaus as well as the credit companies who processed the hard inquiries.   They said it was authorized, although this was online transactions, that I did not do!     I have authorized  XXXX  inquiries but at the time my ID was stolen by a former roommate, so I am assuming it was inquiries by this individual who no longer lives with me ... if not it has to be hackers!!
Consumer complaint received 2017-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (FL)

I have disputed this account with this company on different occasions, I even disputed the account with the credit bureaus in XXXX and again in XXXX. This account is not an account that is my account or is it a valid account that they have put into collections. They are falsely reporting this on my credit reports and it is affecting my chances of getting a home.
Consumer complaint received 2018-01-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I have sent letters to XXXX XXXX XXXX XXXX requesting that they validate NOT verify 3 debts that they are attempting to collect from me. I submitted these request on XX/XX/XXXX for one account. The other 2 accounts request was submitted on XX/XX/XXXX. They provided me with billing statements which does not prove that I am obligated to pay them anything. They can not provide a signed agreement between Portfolio Recovery and myself. The FDCPA 15 U.S.C. 1692C ( a ) states " Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. '' I have never given above named company any type of permission to contact me, even though they have done so numerous amounts of times. I have no personal relationship with Portfolio Recovery Associates and am unaware of how they obtained my personal identifying information with my knowledge and / or consent. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NJ)

Was on a military contract ( training ) under which outside the military facility communication was highly limited, was not allowed to make phone calls or use internet while we were training. 
The individual in charge of my accounts failed to make any payments on my credit card leading to default payment for the month of XX/XX/XXXX-XX/XX/XXXX, which meant i was over 30 days late for the payments. 
As a result, my credit company sent my payments to the collection bureau which led also affecting my credit which i was trying to build. 
I did explain this to the my credit card company but they said i had to dispute this with one of the credit score companies ( experian was suggested ) As of today, i have been making payments on my card but i can no longer use it since the credit company locked it
Consumer complaint received 2018-01-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TN)

On XXXX XXXX XXXX - XXXX CST I transferred XXXX Litecoins ( a cryptocurrency derived from Bitcoin, worth approximately {$2600.00} at the time of the transacation ) from the Binance crypto exchange to XXXX XXXX XXXX XXXX ( hereforth known as XXXX ), the crypto exchange owned and operated by the XXXX XXXX-based Coinbase, which is the largest Cryptocurrency operator in the United States. 

The method Coinbase uses to transfer funds to XXXX involve bringing them in-house to their own wallets first, followed by a transfer to the XXXX wallets. 

My money is stuck in this process. It is strictly internal, a failed system issue on their end, and they refuse to address it. I have spent over 6 hours on hold for them at this point, and they refuse to speak with me regarding it. When I actually managed to get ahold of someone, they hung up on me. They responded via email, refusing to call me back. 

I am not the only person experiencing this issue now, and we are all making a point to report this negligent behavior. There are people who 's funds have been captured in system failures of their for nearly a month now, with no response, support, or resolution in sight. I know if I let them, the same will happen to me.