davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WA)

I logged into my XXXX XXXX account and when I did the site had a pop-up that said my account was locked and I need to call this number - XXXX. The scammer told me they were with the XXXX XXXX Fraud Dept and there was weird activity connected to it and my Coinbase at an IP address in XXXX. They proceeded to use a software to get access to my computer and had me sell all my stocks and then wire the money to my Coinbase account. By this time since I was questioning the selling of my stocks they had connected me with the " supervisor '' and transferred me to his number which was XXXX. This number was the one that I called multiple times and eventually stopped working. In my Coinbase they took the money once it arrived ( 3 days latersince it was a weekend ) without me knowing it and turned it into XXXX so the supposed fraudsters from XXXX could not trace the money.Then the tried to tell me my XXXX XXXX accounts could get hacked as well because they were connected to the XXXX account. They tried to wire the money from my XXXX accounts to Coinbase but it didn't work and bounced back because it was my business account thankfully. They then tried to do it with the personal on Monday morning but after that the phone number wasn't working and I realized they were scammers. I then froze my Coinbase account and called XXXX XXXX and XXXX XXXXThe money never made it to Coinbase the second time from XXXX XXXX and they tried to call me again but I did not answer. 

After the scam I immediately called XXXX XXXX, XXXX, XXXX, and Coinbase to see where my money went and if I could get it back - all of them were called multiple times over the past 6 month. I also called XXXX ( XXXX XXXX XXXX ) to have assistance with this theft and fraud. I did work with someone in the fraud department at XXXX XXXX but in the end I never heard back from her about what happened and the conversations XXXX XXXX had with Coinbase. I had to call Coinbase several times to get them even to look at the case ( I called them the first day it happened as well ). They eventually stated via email they are not responsible for fraudulent activity in their accounts and would not give me my money back. 

I did also file the following reports : - IC3 Report with the FBI - Police Report with XXXX, WA Police Department - FTC Identity Theft Report
Consumer complaint received 2024-02-01
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Post Lake Lending Inc. (CA)

So, I received an email of the loan decision through XXXX XXXX  being denied due to mutiple reasons. 

I sent an email stating the which was the first red flag indicator for me. I wont apply for a loan because I know I will get denied so I dont see the point.

I called post lake lending. 
First got told the application was approved and I stopped the lady and said it was denied. Then asked to speak to a supervisor. The supervisor then try to assure me that the application was in fact withdrawn and would not be endorsed and then I explained. How are they going to send me a denial letter but still were going to endorse a check to a bank and I wouldnt even know where its going!

I asked what the routing and account number they had to send it because obviously its one that is under my name which is worrisome. Being I have no knowledge of this account and if it is my own personal banking account I have a right to know because that means I am going to have to call my bank and report fraud and such with them and they told me they couldnt give me this information that if I provide the banking information they can tell me if I am wrong or right! If its my application and my banking information how are they going to deny me from knowing what was used to fraudulently place an application in my name.

Then I told them i would be reporting this to FTC. So here I am
Consumer complaint received 2024-01-12
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. (NJ)

In Addition to the accounts and hard inquiries on the Identity Theft Report. I will like to add the following fraudulent account reporting on all three credit bureaus ( EQUIFAX, XXXX, XXXX ). Last the ONLY mailing address that should be on my credit report is XXXX Route XXXX XXXX XXXX, NJ XXXX, all others are not mine. 15 USC 1681 XXXX XXXX Account # XXXX Amount {$7000.00}
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diverse Funding Associates LLC (FL)

On XX/XX/XXXX I make arrangements with XXXX XXXX XXXX XXXX pay $ {$650.00} for 3 months adding to the amount of {$1900.00} of the total Balance of {$3900.00} I had with XXXX Bank I make the first payment on XX/XX/XXXX. Went I called on XXXX to make the second payment they informed me the account was closed and needed to call XXXX. When I called XXXX they told me the same and for that reason they couldn't take my payment. 
After several months they sold my account again and reported me to the credit report and did not honored the arrangement I made legally in the first place.
Consumer complaint received 2023-11-13
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. (OH)

In Acordance with the Fair credit reporting ACT Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violanted my rights.

.15 USC 1681 SEC 602 A State I have the rights to privacy.

.15 USC 1681 SEC 604 A SEC 2 Its Also state a consumer reporting Agency can not furnish a Account without my written instructions.
Consumer complaint received 2024-01-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Upgrade, Inc. (CA)

Upgrade has stolen my money, admitted to stealing my money and refuses to give it back because of policies. This involves more than one account. On XX/XX/XXXX, Upgrade took a {$310.00} payment for account ( A ) from my Upgrade Checking account ( B ). The contract I signed for the Line of credit ( A ) stated the payment would be taken out of my XXXXXXXX XXXX  account ( D ), not the Upgrade account ( B ). 
Account ( A ) is in place for debt consolidation loan payments Account XXXX ). 

When the {$310.00} payment ( A ) was taken from my Upgrade account ( B ) in created a shortfall in the account and the debt consolidation payment ( C ) that was due on the XXXX was denied for insufficient funds. 

Upgrade has acknowledged that the mistake was theirs and have apologized. The {$310.00} was removed from my XXXX account ( D ) on XX/XX/XXXX but they still have not given back to {$310.00} they took from the account they stole it from ( B ). They are refusing to transfer to {$310.00} back into the proper account until XX/XX/XXXX, nearly a month after they STOLE it because, " THAT'S THEIR POLICY ''. 

They DID NOT have authorization to take the money from the account they took it from which is straight up theft and they admit to it. They REFUSE to give it back because of Policies!
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

15 USC SECTION 602 States I have the right to privacy.

15 USC SECTION 604 A Section 2 : It also states a consumer reported agency can't furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CO)

i had fraud on my account, false charges and the accounts were closed,, when I called in XX/XX/XXXX no one knew why and how, I called on XXXX XXXX and still no one knows why this happened and there fraud department said there is no notes as to why, this has caused a major hit to my credit score and denials, also many fraudulent charges. also I have been part of the XXXX XXXX  leak and XXXX  leak.
Consumer complaint received 2023-05-20
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)

This is my third complaint to the CFPB for the same issue. You keep closing the complaint without ( apparently ) even reviewing the response from Experian. This is the same problem that has never been resolved. 

THEIR ONLINE PORTAL DOES NOT RECOGNIZE MY ACCOUNT/EMAIL SO I CAN ACCESS THE ACCOUNT.
Consumer complaint received 2023-05-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Early Warning Services, LLC (AZ)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2024-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

Ive been battling Select Portfolio Servicing for the last 12 years regarding my mortgage. XXXX XXXX XXXX messed up my modification in XXXX. After complaining to the executive offices at XXXX, my loan was transferred to SPS. 

Ive had my home listed several times throughout this ordeal. Each time I am being told that they can modify my mortgage, and they never do. 

I am scheduled for a foreclosure sale XX/XX/XXXX. My mortgage company has told me on multiple occasions since XXXX that I can do a short sale or short pay. I now have two offers and they refuse to entertain either offer. I just learned on XXXX  from SPS that I can get someone to assume my mortgage. Why am I being given this option this late in the process. 

I believe that SPS isn't helping in preventing me from losing my home.
Consumer complaint received 2018-07-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (CA)

We have had a very difficult time with XXXX XXXX. We tried to do a loan modification and could not afford the mortgage payment. We have placed our property on the market to sell. XXXX XXXX and the investor have refused to postpone sale dates while we go through this process. We have had to get free assistance from legal aid. We now have a full file in the system in review with XXXX XXXX, that has met the numbers requested by XXXX XXXX for approval, and now they have refused to postpone the sale date. From my understanding, this is illegal in the state of California. ( California Bill of Rights ). All documents requested have been received by XXXX XXXX. We feel like XXXX XXXX is lying to us, and only want to foreclose and kick us out on the streets. We simply want to avoid foreclosure. 

We are both retired living off a fixed income. Our SSI and XXXX Pension.
Consumer complaint received 2023-11-13
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. (FL)

in accordance with the Fair Credit Reporting act 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 has violated my right. 

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
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : CHILD SUPPORT ENF AG/N Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX 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.
Consumer complaint received 2023-01-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION (VA)

I inherited an IRA from my mom in 2021 for approx XXXX. The bank was Suntrust at the time. Truist bought Sun Trust shortly after that. I went to the branch to fill out paperwork to take the required annual minimum distribution. I got a check for the distribution ( around {XXXX} ). Approximately XXXX weeks later I received a check for the remaining balance in my account. I went to the branch and spent XXXX hours and no one could figure out why the check was cut. They had no authorization to close my account. They were rude, never said sorry and didn't seem to care that this has happened by mistake ... .where are the financial controls. The clerk specifically said we have no idea why this check was cut. So it took along time but they got the money redeposited. Because it is an IRA, I did not want the entire amount cashed out this year because I would have to pay the taxes. 
The branch XXXX, XXXX XXXX, would not even return my calls to discuss this mistake. I decided I did not feel comfortable leaving my money at Truist so I told them I was transferring it to XXXX. Never once was I told there was a transfer fee of XXXX and since they has made this mistake I would have requested it be waived. So I called the branch XXXX again requested it be waived and she simply said nope. Can't do it. Never saying sorry for this mess or anything. In addition, during the course of having this account with them, I received letters telling me my new account numbers, that I needed to add beneficiaries, etc and the letter always said call this number. I called the number listed over the months XXXX or XXXX times, the answer I always got was you will have to go to the branch. They can't answer the simplest of questions which also made me really concerned that no one has received training. Truist needs to be investigated. I am not sure they have any idea what they are doing and their personnel are rude and untrained. It should not take XXXX minutes and XXXX people to redeposit a check.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-09-03
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. (CA)

XXXX  and Experian are fraudulents on my following accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquires from following accounts are frauds XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have a history of always paying on time, and it's causing me a lot of XXXX to see this inaccurate late payment on my account. I have never missed a payment on this account, and I am begging you to remove it from my credit report as soon as possible. It's affecting my ability to sleep properly, and I would greatly appreciate your urgent attention to this matter.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

I was shocked to learn that it was sufficient for someone to know my name, addressand cell phone number to open a Chime bank account and have a debit card sent to my address. 
My employer in factreports a wave of fraudulent activity tied to Chime ( https : XXXX ). Unauthorized accounts have been opened using XXXX XXXX employees personal information and victims then receive unsolicited debit cards sent to their mailing address. 
I am writing to you now to assist me in requesting that the fraudulent account be closed ( XXXX XXXX, XXXX XXXX XXXX, XXXX CA XXXX ). I never requested a card from Chime and never did any business with Chime. But when I contact them, they send me an autoresponse. 
I need Chime to confirm in writing that the fraudulently opened account has been flagged as fraud, and closed down. Thank you very much in advance for your timely response, as I count on your office to assist with this fraud.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XXXX 2023, XX/XX/2023, XX/XX/2023, XXXX  IS REPORTING LATE PAYMENTS ON MY REPORTS AND THAT ABSOULTELY INCORRECT ... XXXX IS SET UP WITH AUTOMATICALLY DRAFT AND I HAVE MY BANK STATEMENTS TO PROVE I WAS NEVER LATE THIS ON THIS ACCOUNT
Consumer complaint received 2018-08-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

Company XXXX XXXX XXXX Claims to own my mortgage and falsely has been collecting payments from me for many years. Only recently with a Foresic Loan Audit, I Found Out My Loan has been Paid Off Many Years Ago. 
Nationstar is now Currently Filled to Forclosure on my Home which is Imiminent / Urgent, Which is Paid Off. They Do Not Posses a NOTE or Deed Of Trust. They are Committing Fraud on the Court, As well as Already Filled a Fraudulent Judgement Against Me and Scheduled a Sheriffs Sale Illegally Due To Fraud On the Court. This is an Urgent/ Immiment Matter. Please Assist.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

There are a couple of discrepancies on my credit report. I have attempted to contact all three bureaus in an attempt to resolve and update the matter. The first issue that I am having is the fact that XXXX XXXX XXXX is reporting a mortgage that is reading like a credit card. My mortgage is owned by XXXX XXXX XXXX XXXX. I have never been late on my mortgage. I have spoken with representatives at all three credit bureaus and was told that I would have a resolution within 30 days, however I have yet to receive any updates. This is problem as it is making my credit appear to be extended.