davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WA)

I met someone on a dating app called XXXX and quickly started to get to know the person. We started to talk about our future and she mentioned that she would help me earn money through investing my current saved funds. She convinced me to wire money from my bank to my coinbase wallet and eventually to a trading account through this site : https : //www.coinbasetvte.net/ # /. I invested over XXXX $ into this and she helped me to make a " profit '' of XXXX for a total of XXXX. When I tried to access the money, the trading account " froze '' my funds and would not let release my money. They first convinced me to pay XXXX $ in " handling fees '', once this was paid, they claimed that I need to pay taxes on my profits with an additional XXXX XXXX Once I paid these taxes, they then went on to say that I need to pay a XXXX $ late fee for not paying the taxes on time. Even after all of this, they required me to pay a XXXX $ deposit if I wanted to access my funds. Once I paid the deposit, both the person I met as well as the trading site provided above stopped replying to my inquiries. I now have XXXX $ that I am unable to access. All of my wire transfers were set to buy XXXX and pay this trading account to the following address : XXXX. I am now at a significant financial loss with now way to recover any of the money that I have invested.
Consumer complaint received 2017-02-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC (WA)

I received a confirmation from XXXX on XXXX XXXX, 2016 that all lines on my account were disconnected, and had a zero balance due. 

On XXXX XXXX, 2016, I received communication that I owed {$290.00} on my account, as there was a line of service still open and it had been accruing monthly charges. 

I told them that this debt should not be my debt, as when I received the communication on XXXX XXXX, 2016, I had taken that to mean that all of my accounts were closed. 

When I tried to clear it up with XXXX, they would not waive the fee, even though this was their mistake, and even though I had never actually used the line of service ( it was opened, and placed on hold, which is why, when I received the communication on XXXX XXXX, I had assumed it had been closed due to never being used ) Since then, they have sent the bill to debt collection, and now debt collection has reported to the XXXX credit reporting agencies, which has dropped my credit score from a XXXX as of XXXX 2016 to a XXXX as of this month.
Consumer complaint received 2016-11-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (GA)

On XX/XX/XXXX I sent the notice below to XXXX : I have received a notification from the credit reporting agencies of a collection account related to fees associated with the apartment inspection I rented between XX/XX/XXXX and XX/XX/XXXX. The letter you sent related to the inspection stated that we had 30 days to respond your request ; we reached out to you via phone several times and were told that somebody from your office would contact us to go over items we were disputing. We never received a call from your office, even after follow up calls. 

I would like to get this matter settle and the collection item remove from the reporting agencies while avoiding legal procedures. If I do n't hear your office within 30 days from XX/XX/XXXX, I will file the necessary court documents to dispute the charges and have my credit report clean. You ( XXXX ) will be responsible for any legal fees including, but not limited to court filing documents and attorney expenses should I hire one to represent me. 

I can be reached at XXXX with any questions you may have. 

Thank you. 


XXXX Further, I contacted the XXXX XXXX hired by XXXX : Hunter Warfield, Inc.-XXXX, XXXX, FL XXXX - Sent them a letter on XX/XX/XXXX requesting validation and to dispute the debt and they have not contacted me as of XX/XX/XXXX.
Consumer complaint received 2022-02-16
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. (CA)

My name is XXXX XXXX and I am submitting this complaint without any influence from and third party or agency. Please see attached documents and ID ad it contains my full complaint request.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NC)

At least 2 checking accounts ( XXXX and XXXX ) were fraudulently opened in my name. I called TD Bank at XXXX, Option 3 and requested that all accounts in my name be permanently deleted. All contacts were in XXXX and early XXXX of 2022. TD Bank agreed to close all accounts.
Consumer complaint received 2016-12-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Bureau Services, LLC (GA)

I have disputed accounts # XXXX, XXXX with Credit Bureau Services on XXXX/XXXX/2016 and sent my dispute certified mail requesting validation of this debt. Credit Bureau Services failed to provide me with a copy of any viable evidence, bearing my signature. A second certified letter was sent XXXX/XXXX/2016 and I have not heard back from Credit Bureau Services, They are now out of compliance with the FRCA. I 'm sure we would both like to handle this outside of court, so all I ask is that you remove this listing from all the credit bureaus. If you refuse, I will take legal action.
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am being charged for a money order from the XXXX that I did not cash. This money order was returned to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 2016 and she is in possession of this Money. I have proof it was given to the XXXX office but yet I have been charged fees in addition to the amount of the money order. I am asking for this to be removed from my credit reports. Amount is XXXX plus fees XXXX total XXXX, I do not owe.
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TN)

I have a legal letter from the attorney 's that this debt was satisfied in court on XX/XX/2012. I paid {$1500.00} to XXXX to satisfy this debt, and a judge declared that I do not owe anymore money to XXXX, but they reported to all three credit bureaus that I owe a balance of over {$4000.00}. I have faxed the collection agency proof from the court house that I have a {$0.00} balance, but they stopped returning my phone calls since I faxed the legal forms. My lease ended at my old house three weeks ago and now I am homeless, because no other apartment will rent to me. The inaccurate information reported by this company has caused a huge crisis for my year old son and I. XXXX XXXX will not return y calls anymore to remove this negative collection that is preventing me for providing a roof over my childs head. I have disputed this and XXXX has deleted it, but Equifax , and XXXX did not delete this item. So I have now uploaded the legal letter to XXXX and Equifax from that companies attorney 's office. The law firm that represented XXXX XXXX wrote this certified letter that I do not owe XXXX any money and that my credit report should be updated to reflect these record on paper.
Consumer complaint received 2022-02-16
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. (MD)

I sent letter to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance : {$200000.00} XXXX XXXX  CARD XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX CO Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX CO Inquired on XX/XX/XXXX XXXX XXXX AND XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2020
Consumer complaint received 2015-08-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Metro Republic Commercial Service, Inc. (CA)

I 'm writing in regards to an amount of {$62.00} under METRO REP COMM SVC INC # XXXX that still continues to show on my XXXX credit reporting agencies reports as unpaid, despite it being satisfied. I would like COMM SVC INC to contact XXXX other reporting agencies noting that this amount ( {$62.00} ) has indeed been satisfied and to remove from my XXXX other credit reporting agencies. Would like a letter of satisfaction mailed to me as well. 

COMPANY : METRO REP COMM XXXX account # XXXX XXXX Address XXXXPhone : ( 951 ) 273-7700
Consumer complaint received 2015-09-08
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (SC)

Santander!!!!!! My mother has been dealing with them for years and has XXXX cars through them right now XXXX is a XXXX ford focus and the other is a XXXX ford focus the XXXX I have personally been paying for almost four years now and she had this car five years before me and we are still paying for it so in all we both put together has paid for this car about 3 times when the car was originally only XXXX dollars as for the XXXX my mom has had this car for four years and again still paying for it the car was originally XXXX dollars now 4 years later the they saying she owes XXXX dollars!!!!!!! and no one can give a straight forward answer as to why just recently we spoke to someone on the phone and if I must say so myself ( I 'm usually not a complainer ) the WORST costumer service ever no one can give you a straight forward answer and of course every time you call your talking to someone new who all have different answers and I just do n't think a deferment here or there or late fees can first of all have you owing the same balance for four years and now owing XXXX dollars more and the car is no where near worth that much now and when you ask them to explain it seems like every one 's mind seriously goes completely blank not to mention they are some of the rudest people ever interest is added to every payment but when the car was first purchased they said that the reason the balance has n't started going down on the first couple statements was because we started off paying interest on the car so nothing has started going towards principle yet and now here we are XXXX four years later and we 're still paying interest something just does not add up with them this company seriously needs to be shut down so they can stop ripping people off also we XXXX have been to several different car dealerships and they have said the exact same thing about Santander that they are a BIG rip off and the will never allow Santander to finance any of there cars so in my opinion that says a lot
Consumer complaint received 2016-11-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (DC)

I have been trying for months to clear out a medical debt that was sent to collections, with a service date of XXXX/XXXX/XXXX. I did n't know about it until XXXX when I could n't get credit and reviewed my credit report. The issue is that I was covered by Medicaid from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX, which I confirmed with XXXX XXXX, Director of the Office XXXX in the Department XXXX in XXXX XXXX. Her phone number is XXXX. Every other bill from that hospitalization was covered, so I 'm not sure how that fell through the cracks. My attempts to clear that debt have been unsuccessful because the collection agency claims that the debt is valid -- which is true, but it should have been covered by insurance.
Consumer complaint received 2015-10-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA (CA)

I do n't have any business with Kia Motors finance or Hyundai Motors Finance XXXX. They are calling me on what is almost everyday trying to collect. I have told them repeatedly to STOP and REMOVE me, they have the wrong person. They are continuing to harass and threaten me with their bullying. This needs to STOP. they have the WRONG person and the WRONG number! disgusting what these XXXX companies can do to people
Consumer complaint received 2016-10-10
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I am a victim of ID Theft. Someone has used my information to open a couple fraudulent loans with USAA as well as filing fraudulent claims using my information. I disputed the debt with USAA and provided the fraud packet as well as a police report outlining fraudsters name, address history, etc. USAA never returns my call. It 's been almost a year since I 've disputed this. They tell me they are investigating and never call back. USAA also sold the debts to a collection agency while I was disputing it. They were aware I said it was fraud and they still sold it. I called them approximately two weeks ago only to be told ( several times ) they would call back in a couple days and never do. I believe they are stalling and not resolving these debts in order to resell them. It 's been well over the allowed 60 days to investigate and resolve this fraudulent debt. These debts are significant and my credit is being damaged. There are XXXX loans XXXX is over XXXX and XXXX is almost XXXX.
Consumer complaint received 2016-06-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Received adverse action letter from other financial institution, and contacted credit reporting bureau Transunion regarding believed inaccurate information on the report. 
Initiated a dispute regarding the information. I received an Investigations Results letter from XXXX XXXX of this year. The letter states " If there has been a change to your credit history resulting from our investigation, or if you add a consumer statement, you may request that TransUnion send an updated report to those who received your report within the last two years for employment purposes, or within the last six months for any other purpose. '' As there had been a change in the form of updated information. As well as that I have indeed added a consumer statement, I felt that this section of the letter applied to me. 
On XXXX XXXX, I contacted TransUnion 's Customer Contact Center regarding making a request or request ( s ) as outlined by the letter from XXXX XXXX. 
However I was informed throughout the call, which finally was escalated to a supervisor XXXX XXXX, that TransUnion is unable to send an updated report to those who received my report within the last two years for employment purposes, or within the last six months for any other purpose. 
Although there is vagueness in if there must be two separate requests, one for sending the updated report to those who received the old report for employment purposes, and one for those who received the old report for any other purpose. Overall my concern is more as follows : I am not quite sure if it is that the letter TransUnion sent me is some sort of form or template letter which is not longer in line with their current practices regarding sending of updated reports ; or if TransUnion 's Customer Care Center is simply unaware of how to supply such requests to TransUnion. Unfortunately the letter itself does not specify if these requests are to be mailed somewhere, or submitted by phone through the customer contact center, or perhaps just hoped for.
Consumer complaint received 2016-02-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am currently divorced and the primary custodian of my XXXX daughters. I am in the process of losing our home due to specific credit problems that are preventing me from securing a refinance loan and lowering our monthly living expenses. During my marriage, there were several accounts opened fraudulently using my social security number, unbeknownst to me, by my then wife. I have attempted to reach these creditors and never received call backs. They have been charged off and are now affecting myself and my daughters instead of the person that originally opened these accounts. I am asking for help in removing these particular accounts from my credit report so that I may secure our home and future necessities. Thank you
Consumer complaint received 2017-01-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (VA)

I have been making timely payments on my auto loan. XX/XX/XXXX I made my regular monthly payment, due on XX/XX/XXXX. I then made my XX/XX/XXXX payment on XX/XX/XXXX. On XXXX I paid the bill timely. No principal was deducted from my loan balance with the full payment being applied to interest. I was told that I have no penalties for early payment but this is penalizing me.
Consumer complaint received 2017-02-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (KY)

I have an auto loan through consumer portfolio services. In XXXX XXXX, my husband lost his job and we are no longer able to afford this loan. CPS offered to defer some auto loan payments and I declined. I advised a voluntary surrender was best for my situation. I received a notice in the mail yesterday, CPS processed a due date change moving my payment out 30 days and extending the loan even after I advised I ddi not want this to happen. It appears in XXXX CPS was fined for unilaterally modifying contracts and other illegal business practices resulting in them paying the FTC XXXX XXXX in fines and penalties. I believe the practice I described above is continued unilateral modification of contracts without my consent. On XXXX/XXXX/XXXX, I called CPS and spoke directly with a man named XXXX XXXX at XXXX ext XXXX or direct number of XXXX who advised he would forward my file for voluntary surrender. I have attempted to contact this company regarding the " due date change '' they claim they processed on this loan to no avail.
Consumer complaint received 2015-11-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (IL)

I received a letter from a debt collecting agency named Dynamic Recovery Solutions XXXX. XXXX XXXX XXXX, SC XXXX saying that I owe a debt of XXXX and would settle for XXXX. I reached out to the named creditor on the letter and they informed me that there is no such debt. I am also receiving unknown calls from local number that I have not answered but know that they have been calling constantly. I am very concerned that my information has be phished by this corporation and an act of fraud is being attempted in order to receive funds from me.
Consumer complaint received 2016-08-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK (TX)

I originally took out loans through XXXX Bank for my education expenses that my federal loans did n't cover. These loans were later sold to Discover. Discover has since continued to increase my interest rate so that my monthly payments continue to increase making it harder to pay down the balance. A few months ago my payment was around {$680.00}. On a good month, when I had a little extra money, I 'd pay {$700.00}. Then they upped my interest rate and now I have to pay {$700.00}. This is not the only student loan I pay. I pay so much towards my private that my federal payments are {$0.00}. Despite my good salary, I am just barely making ends meet. If they up my interest again, I wo n't be able to pay.
Consumer complaint received 2023-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (VA)

I contacted the company several times to make right on what they said they would do as far as deleting this account after it was paid however, they refuse to update the account as paid and wont assist with me talking to a manager. I have proof through information they sent me the debt was satisfied and would be sent for deletion however I've been hung up on a yelled at.
Consumer complaint received 2015-10-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MA)

I am XXXX, behind on my mortgage, and so requested a modification in XX/XX/XXXX. I have completed the package and tried numerous times to send it in via XXXX XXXX XXXX ( Provided by Mortgage Company Ocwen ) for the last 2 days. All attempts failed. 

Last night I sent it in via my XXXX account. I have called Ocwen ( XXXX ) and can not as of Friday ( XX/XX/XXXX ) XXXX XXXX. CONFIRM RECEIPT. I spoke to XXXX ( Em # : XXXX ) and she advised me that she sent an e-mail to my " Loan Modification Specialist. " In calling today, I was for the first time alerted to the fact that my house is to be auctioned on XXXX/XXXX/2015.
Consumer complaint received 2016-01-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I have loan serviced by Ocwen that I had enter into a loan modification, Loan # XXXX I had been in the modification process for over two years and as I modified and went through and the hoops the service was putting me through that were outrageous, having to supply the same documents over and over and over. a hundred of more phone calls more working with attorney company to help me get a modification. In the end they denied me a Harp or a Hamp modification with principle deduction because my credit report did not show my current address as my home address it showed my office address. even after supplying tax documents, utility documents and county records that the house was indeed my residence they still denied me the government sponsored modification. and further more told me if I did n't do the in house modification, agree to it with in 24 hours that they would foreclose. The in house modification tacked on {$220000.00} worth of penalties and interest. I do n't see how this is fair at all and this cant be what the harp and hamp program is about.