davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Veripro Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX  Veripro Account Number # XXXX Attn : Manager or CEO The original creditor was XXXX. My mother is XXXX I have some major concerns with Veripro Solutions ( VS ) because I have tried to negotiate settlement with 2nd mortgage debt. I received a reduced payoff offer of {$4300.00}, however I spoke to the point on contact with this account that stated the reduced payoff amount is {$5000.00}. 
I property is in my mothers name and I informed them that I would like to discuss settlement options. I informed XXXX that my mother XXXX XXXX and I was trying to discuss to settle the account. I informed her that I paid off the 1st lien for a lower amount, which I have faxed documentation to show the lower payoff amount. 
She stated that she was unconcern with my financial hardship and that I would be responsible for agreeing with the payoff offer or I would lose the property.

Venripro Solutions is trying to take advantage of our family because the representative stated that they would sell the home since VS is now in 1st lien position. There are several issues ( 1 ) property value decreased ( 2 ) VS tried to increase settlement offer ( 3 ) no income ( 4 ) trying to sell the property without my consent. 
I cant afford the required monthly payments or come up with enough to pay off the total amount of the debt ; I have tried to negotiate a settlement for 2nd lien position.
Consumer complaint received 2018-01-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cordoza & Wexler Recovery Services (CA)

I got a call from XXXX XXXX XXXX XXXX ( State : PA ) with numer ==> XXXX telling me that i need to pay. 

I recently migrated from XXXX XXXX and do not owe anyone anything. 

Please assist and take the response company to task.
Consumer complaint received 2018-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

On XX/XX/XXXX, a fork of Bitcoin called Bitcoin Cash occurred. Coinbase.com promised their customers that anyone storing Bitcoin on Coinbase on XX/XX/XXXX would receive the equivalent number of Bitcoin Cash when they rolled it out in XX/XX/XXXX. I held XXXX Bitcoin in Coinbase on XX/XX/XXXX. But Coinbase has not credited my account as they promised. They immediately closed my original support ticket with a generic response that had nothing to do with my case. My second support ticket ( Case # XXXX ) is two weeks old with no response. I have XXXX to the XXXX Coinbase support account ( not to mention the CEO XXXX XXXX ) on multiple occasions with no response. At today 's price, my XXXX Bitcoin Cash would be worth more than {$11000.00}. As Coinbase refuses to respond or acknowledge the issue, I can only assume they have no intention of paying what is owed. 
Dates : I purchase XXXX BTC on XX/XX/XXXX, another BTC on XX/XX/XXXX, and XXXX BTC XX/XX/XXXX. These assets were held in Coinbase Vault during the time of the fork.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SANTANDER HOLDINGS USA, INC. (MS)

I am writing to express my dissatisfaction with the response received from Chrysler Capital regarding my credit application submitted through XXXX XXXX XXXX XXXX XXXX, with reference number [ Ref # XXXX ]. 

As detailed in my complaint submitted to the Consumer Financial Protection Bureau on XX/XX/2023, and as acknowledged by your response on XX/XX/2023, you have identified my case as a potential victim of fraud. I appreciate your attention to this matter ; however, I find it necessary to formally address the default and provide an opportunity for cure as outlined below : XXXX. **Adverse Action Violation : ** The denial of my credit application appears to be a violation of the Equal Credit Opportunity Act ( 15 USC 1691c ), and I maintain my rights under this legislation. 

2. **Fraudulent Activity Allegations : ** The allegation of fraudulent activity, including the unauthorized use of my credit card, is a serious matter that requires immediate attention and resolution. 

3. **Request for Removal of Inquiry : ** I demand the prompt removal of any inquiry placed by Chrysler Capital with the Credit Reporting Agency ( CRA ) in connection with my credit application. 

4. **Compensation for Violations : ** I seek compensation in the amount of [ {$1000.00} ] for each violation of the aforementioned laws, as outlined in my initial complaint. 

I am providing Chrysler Capital with 21 days from the date of this notice to cure these defaults and address the issues raised. Failure to do so may result in further legal action to enforce my rights under federal law. 

I expect your prompt attention to this matter and a written response outlining the steps taken to remedy the defaults identified herein.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2018-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX Bank is reflecting on my credit report. This account has not be properly verified according to law. Also this account has been on my credit report more than seven years. And it is still reflecting on my credit report. The original first delinquency showed XXXX XXXX and now shows XXXX XXXX. Which is fraud to try and keep this on my credit report. XXXX XXXX still has not sent anything to properly verify this account. No receipts, statements, proof of applying, proof of address that was associated with this card. And they are still allowed to have this on my credit report. That is AGAINST THE LAW!
Consumer complaint received 2024-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA ()

I have finished paying off my student loans ( Mohela is my service provider ) but can't get them to go away and also can't get a final payoff amount -- if even needed -- and keep getting charged interest on {$0.00} balance loans. 

If I click the payoff button, which is supposed to give me an amount, it just gives me info about mailing in a payment or doing one online, but no actual way to do any of this. 

I would love to talk to their customer service about this but none of the options work. I live abroad and none of the phone numbers, even the international one, work. I also can't do the message option -- it allows me to select a state and write a message, and then I get an error message " We're sorry - an error occurred. Please try again or come back later. '' I have been trying this for months now. 

It's completely irresponsible for a provider to have no way to contact them. They could also provide an email address, but of course do not. 

Mohela, the provider, has also been a nightmare to deal with the entire time they've been my servicing platform. The website is clunky and hard to use, they've moved me around and made me make new logins ( which sometimes don't work ), and in moving to the new website, my entire payment history disappeared. I can also only log in to their website if I click from my email ; I can't navigate directly to the site and log in. Same credentials, two different results, consistently. 

I would also love to complain to Federal Student Aid about it, but their website is inaccessible to me. I get " Access Denied. '' All in all, my experience trying to pay off my loans -- which should be a good thing and what the servicer and the government want -- has been incredibly frustrating and hard to do. Not to mention, no international cards or bank accounts work for this, so I've always had to transfer money to the U.S. and have a bank account there just to pay off my loans. It should not be this hard to do this -- it all feels like a scam to make it hard to do this and trick you into paying for longer, which is absolutely has done for me.
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (GA)

On XXXX XXXX, 2017 PayPal notified my wife and I via email that there was a {$150.00} payment was in pending for review and should be complete within 72 hours. The payment was sent to our account from a coworker to purchase a retirement gift for another coworker. We have made multiple request to PayPal to complete the review and release the funds by email and by phone. This has been held in pending for nearly two months and no progress or updates. Please help us with this hold up.
Consumer complaint received 2018-01-10
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: Onity Group Inc. (FL)

Ocwen recently started reporting Re-Aged Disputed Mortgages that had already been removed over a year ago due to the 7 year Limitation. The Accounts last reported delinquent payment was in 2009. It appears they simply removed the old Info and started re-reporting even with False information of a payment even though one was never sent and the Historical Information they provide clearly shows no payment has been received. The issue is compounded with trying to deal with XXXX. Even though XXXX has and was provided documents from themselves in the past they simply send back a letter saying Ocwen states they reported correctly ( Information is blank or conflicting ). The agents in the call centers have no ability to do anything but re-dispute. When I have been able to actually speak to a empowered person like a supervisor at XXXX XXXX for example they actually review the documents with me and clearly see the issue with a resolution. The XXXX agents appear to be not USA based and never allow you to even get to the Survey to complain. I have actually let my phone sit on mute for almost a half hour to be hung up on. This same issue has happened to my husband 2 times in the last few months again with OCWEN and XXXX. XXXX needs to fix its dispute system and OCWEN needs to be held liable for the abuse of its reporting
Consumer complaint received 2018-10-27
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: Experian Information Solutions Inc. (CA)

On about XX/XX/XXXX, I contacted XXXX XXXX to request that an authorized user be added to my account. During the request I was also offered a credit increase, without the need to generate a credit inquiry. Prior to accepting the offer, I confirmed that there was no need to do a credit inquiry ; the representative assured me that an inquiry would not be generated. 

A few weeks later XXXX XXXX sent me a letter, denying an application for an additional card ; the letter suggested that I could re-pursue the matter if I provided a pin to unfreeze my credit report. I the letters because I had no intent to allow them to generate an inquiry on my credit report ( as it would negatively affect my score ). 

Unfortunately a couple of months later, while applying for a home loan, I discovered that XXXX XXXX generated a 'hard ' inquiry without my consent. The inquiry has negatively affected my credit and score. I've contacted XXXX XXXX on several occasions was given misinformation each time. Each contact has been met with negative results. 

I've been an XXXX XXXX customer since XXXX, which I have 2 different accounts ; both accounts have always remained in good standing. Less than a year ago I added an authorized user to one of the accounts, without generating a credit inquiry. 

Additionally, I have credit cards from several other financial companies, i.e. XXXX and XXXX. I also added authorized users to my cards from each of the companies ; neither company sought the need to generate a hard inquiry. 

It is my understanding generating an inquiry on a consumer 's report without their consent, is a violation of the Fair Credit Reporting Act. Hopefully CFPB could contact XXXX XXXX and resolve this matter.
Consumer complaint received 2018-10-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (GA)

Ditech received a complete loss mitigation application on XX/XX/2018. Ditech reviewed the loan for a modification and the request was denied. The enclosed loss mitigation denial letter was sent to our attorney on XX/XX/2018. Ditech apologizes for any inconvenience or confusion you have experienced as a result of this issue. In a further effort to assist you, Ditech submitted a request to the investor for an exception to approve the modification, but the investor denied the request. 

The investor is XXXX XXXX. 

We asked to get on a repayment plan that XXXX XXXX  offers on " Know Your Options ''. What is a Repayment Plan? With this option, you spread out your past due amount added on to your current mortgage paymentsover several months in order to bring your mortgage current. A Repayment Plan may be an option if : You are ineligible or dont want to refinance You are facing a short-term hardship You are a couple ( or several months ) behind on your mortgage payments You can now afford your monthly mortgage payment Ditech stated we can't apply for a repayment plan. 

It appears Ditech and XXXX XXXX are not trying to work with us on our mortgage. There are several options to help homeowners however we've been denied on the services that are offer.
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OH)

I paid off my XXXX XXXX XXXX account back in XXXX 2016. For some reason XXXX has left a {$9.00} balance and I have disputed the balance over and over. Also, when I call to have them remove the {$9.00} balance they say my account is with XXXX XXXX. XXXX XXXX has no account for my XXXX balance. I would like this removed off my credit score ASAP as I do not owe any balance on this card.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I filed a complaint with the three major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

After reviewing my consumer report I must inform you that I am NOT responsible for the listed account ( XXXX ) as I have been a victim of identity theft. Ive already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Pursuant to the F.C.R.A. 605 ( b ) / 15 U.S.C. 1681c-2 you are required to block and remove information identified as the result of identity theft from a consumer report no later than four ( 4 ) business days after receipt. I am instructing you to please delete the following fraudulent account ( s ) and inquiries from my consumer report immediately. Additionally, there is also inaccurate personal information being furnished on my consumer report that must be removed immediately. Please see attachments for further details.
Consumer complaint received 2018-01-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Forster, Garbus and Garbus (NJ)

According on my record on XX/XX/XXXX. I had agreed to a offer {$500.00} dollar credit line with the company Name XXXX and XXXX is associated with XXXX. The company XXXX continue Offering me more credit line Increase because I was good Customer with them and I was making payment on time with them at all cost. According on my record at that time was legal married and was able to make good amount of payment. {$120.00} a months during that time On XX/XX/XXXX I had filed for a divorce  that was being processed and that lead for me to not pay the account. I had spoken to XXXX multiple time over the phone about my Account and reason why could n't make any more pay on this account. 

I had explain to XXXX that I was on SSI XXXX since a child and that only source is SSI XXXX. XXXX made Agreement with me over the phone to pay XXXX dollar a months but I was paying more interest rate them lowing my balance down that is {$2900.00} that I would never finish paying up this account under SSI XXXX. XXXX also to me that account XXXX  account because I could n't make any payment on it and left it that way. 

By Federal law and against my right the company XXXX never informed me that they was going to transfer this debt to a collection agency. The New Name of Collector our Forster , Garbus & Garbus Attorney 's Law XXXX XXXX XXXX XXXX, NY XXXX XXXX. 

I had informed the company stop harassing me in regard this debt over the phone or by mail because I have an XXXX child to attend to and do n't have time for there harassing me by taking me to court if I do n't pay the amount own filed a judgement against me for the balance I own to XXXX. The mostly company was doing hanging up the phone with me because I refuse to give them my last two digit of my security number and also summit yesterday a fax number they had provide to me and number # XXXX I can not afford to pay this debt own please help me for them to stop harassing me because it cause stressful and pain in my life or I will filed law sue against new collection agency Forster , Garbus & Garbus attorney law if they do n't leave alone and continue harassing me or threaten me by mail. This as being my second complaint with XXXX or XXXX. the old complaint is XXXX
Consumer complaint received 2018-01-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (TX)

This company continues to contact my family and provides information about my personal situation with them. They called every one of my siblings and told them legal action was being pursued against me. This information should not be shared with my family. Each family member received a message on X/XX/18 with my personal information. I have previously sent a cease and desist letter.
Consumer complaint received 2018-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I have a direct student loan through XXXX XXXX XXXX. I have been making payments ontime since XXXX. I received verification that my employer and I qualify for public loan forgiveness. However, I learned in XXXX that none of my payments I have been making since XXXX qualify toward the 120 payments. I would need to switch to a different repayment plan and start from scratch. The repayment plan that I am in when I signed up was called " standard repayment, '' so I do n't understand why this repayment plan does not count.
Consumer complaint received 2018-10-25
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. (CO)

I am a victim of identify fraud. This is impacting my ability to get a home loan. 

I have contacted each Credit Bureau and provided documentation ; FBI IC3 report, FTC report and 2 different police reports ( 1 from city I live in and 1 from city this occurred ) and I can't get all of the 41 different inquiries ( at least 14 accounts with several attempts ) off my credit bureau 's.
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

XXXX/XXXX/XXXX - Initiate a withdrawal of XXXX USD XXXX/XXXX/XXXX - Company sends two automated emails. One confirming the withdrawal with a reference number. The second email saying they are unable to process because of a name mismatch. ( See attached " Company correspondence 1 '' and " Company correspondence 2, PDF Files ) XXXX/XXXX/XXXX - Contact support. I had since updated my account details and ensured that my CoinBase account details match my bank details. Support does not answer my question and thinks I am trying to suggest a new feature for their platform. ( See attached Support Thread 1, PDF File ) XXXX/XXXX/XXXX - Automated email saying that the transaction can not be proccessed. The company is still saying the names do n't match. ( See company correspondence 3, PDF ) XXXX/XXXX/XXXX - I receive another email out of the blue about a {$0.00} purchase. I do not know what they are referring to. ( See company correspondence 4, PDF ) When I log in to my account, it is now locked and not fully functional. The withdrawal was canceled, yet my account balance is {$0.00} and I can not view my account or withdrawal history. There is no way for me to re-initiate a withdrawal, and the company refuses to tell me specifically what is wrong with my account details, and how I can fix it. The money is simply missing now.