davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

This is regarding my Coinbase account.

My cell phone was stolen and as a result I had to switch to a new cellphone however maintaining the same phone number.

As Coinbase uses an authenticator application to verify ( which was in my old cell phone ) I can no longer access my own account.

After repeated contact with Coinbase help desk I only receive emails that someone is looking into it, but no results.

Surely there has to be a company policy in how to deal with a stolen cellphone issue like mine and resolve that quickly. 
Please help XXXX XXXX
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I dropped off my XXXX XXXXXXXX XXXX XXXX for warranty work on the rear windshield. There was a crack on the inside of the vehicle near the heating element. A previous spokesperson had said that the crack was not caused by impact and would be covered under warranty. I also had a 2nd opinion by a professional car company in XXXX. I was then charged without my permission by XXXX for the repair. The amount was XXXX. I disputed this with my credit card company and they refused to cooperate with me. I send all the information they requested and they will not communicate with XXXX. The vehicle was left incomplete and with my car has missing parts in the rear dash.
Consumer complaint received 2020-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NY)

Company has no proof that I owe them this debt. I have contacted them through mail stating that if they can not validate this account, they should not be reporting this to the credit bureaus because the information is invalidated. They have been compliant upon delivering proof to me in writing of the validation. It has been a full 30 days and still no response and still reporting this invalidated information on my credit report.
Consumer complaint received 2023-06-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am an " old timer '' client of Capital One bank. On XX/XX/XXXX I have sent a letter to the bank, branch XXXX XXXX XXXX XXXX st. XXXX York. I requested not to renew my CD due to mature on XX/XX/XXXX. thus to ebable me to withdraw my money without any problems. The bank ignord my order, and renewed the XXXX for another 24 months with 0 % interest. 
As I needed the money, I had no alternative but to fly from XXXX especially for that purpose with a lot of my health problems and walking with a stick. 
On XX/XX/XXXX I arrived to the bank, and was served very nicely by the representative ( XXXX. ). She agreed to give me my money immediately, but only after deducting XXXX $ as " penalty '' and paying me XXXX ( zero ) interest from XX/XX/XXXX. 
The XXXX was due to mature just XXXX months later. that is on XXXX penalty consist 2.88 % of the total saving balance! 
Despite my agony and frustration, the representative could not help me, as her XXXX or back office, ahe spoked to on the phone, refused to wave the penalty.
Consumer complaint received 2017-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (FL)

Our home is in foreclosure. We have retained an attorney. He has assisted to prevent foreclosure via modifications, mediation, etc to no avail. Our original note was owned by XXXX. XXXX has been servicing our loan. The foreclosure was filed by US Bank as Trustee for XXXX. The problem is that there is no clear assignment of our mortgage note, we are being foreclosed on by an unknown entity. They failed to provide ORIGINAL note or original assignments. The alonge is blacked out and blank. After weeks of research we have discovered that a hedge fund, owned by XXXX purchased a Participation Pool of defaulted mortgages from XXXX. There are XXXX complaints by homeowners and attorneys that this entity is engaging in illegal activity, forging signatures, and filing assignments and along after the fact. They are stealing homes. I have filed 8 modifications and NOT received any formal answer to 1. I offered $ XXXX to assist to bring pmts current, they refused. Our attorney has done all his due diligence he can. They fail to provide original notes, they fail to provide any discovery at all. They claim to have the Certificate that states they have the original notes. Well if they have the original notes then produce the original notes. When we had our mediation, even their own attorney states that there is not 1 person he can speak with with regards to mediations, negotiations, or discussions to save our home. They have no standing. They are seeking a NON JURY trial. As the homeowner I have the obligation to defend my title. They want a NON JURY trial because the banks will have to prove everything. I do n't even know who they are. There are multiple cases and lawsuits against XXXX. They do n't even exist, US Bank does n't even exist nor have they stated they have any trust fiduciary responsibilities with my home. This is another housing bubble created by a wealthy hedge fund. No one seems to care. There is no actual assignment to them, They have nothing but photocopies of my notes. Nothing is original. I need STATE and FED assistance ASAP.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

ChexSystems, Why is it every time I try and login to your site- there is always some login issue - and then you provide a phone number - to people who cant resolve the issue? 

I am not able to simply login to my account- and check my own ChexSystems reports - or receive any online notifications.

Why are you blocking me from my own information I am allowed to by law?

1 ) Send me a copy of my ChexSystems report + score via MAIL. I am not able to login online to receive it in the portal.

2 ) Allow me access to my online account. I am so tired of being blocked FROM MY OWN PROFILE
Consumer complaint received 2023-06-16
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (VA)

CREDIT FROM CHASE IS SUPPOSED TO BE IN THE FORM OF A CHECK SENT DIRECTLY TO ME SINCE I SPECIFICALLY TOLD THEM IN MY PREVIOUS COMPLAINT THROUGH THIS FORUM THAT I WILL NEVER BE USING THAT CARD AGAIN!!!! CREDIT ON A CARD I WILL NEVER USE AGAIN IS COMPLETELY USELESS TO ME!!!! UNACCEPTABLE CUSTOMER SERVICE!!!! 

RESPONSE TO PREVIOUS COMPLAINT WAS SUPPOSED TO BE SENT BACK TO CHASE BUT APPARENTLY NEVER WAS!!!!
Consumer complaint received 2023-08-18
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (TN)

Navient : Student Loan Account Opened without my knowledege Application was sent in before i was i was age XXXX 2 Dispersments were made on XX/XX/XXXX ( right after i turned XXXX ) and XX/XX/XXXX to a account not in my name. XX/XX/XXXX Interest of 50 % of the loan Amount was charged. I tried to get info but I wasn't allowed since i didnt open the loan and payments were being made by someone else. Didn't think anything of it. 4 years later when i was able get information and immedieatly paid off the loan which ended up being the full amount.
Consumer complaint received 2021-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (AZ)

In 2019, My brother stole my wallet and personal identifiers. He used my PIN number ( which he found by looking over my shoulder when I visited an ATM ) and deposited fake checks into my bank accounts and maxed out my credit cards and fled to XXXX XXXX XXXX, Utah. He is a XXXX XXXX 

Subsequently, my checking account at XXXX XXXX XXXXXXXX become overdrawn and closed after the check returned. When I was notified, I informed XXXX XXXX XXXX  of the fraud. From the time in XXXX of 2019 until current, XXXX XXXX XXXXXXXX, despite being notified several different times and by several avenues has done nothing. 

No investigation was completed, no reversal of the check and no phone calls were ever returned. The negative item was reported to Early Warning Services. 

This company is a credit reporting agency that reports to other banks on negative activity. I have had bank account applications denied because of this negative information that was a result of identity theft. 

Moreover, XXXX XXXX  XXXX reversed ever block I attempt to place on the negative information that is reported, further compounding that they turn a blind eye to victims of identity theft and attempt to make them pay. 

I would like XXXX XXXX XXXXXXXX to investigate the identity theft, reverse the negative information appearing on this bank account and remove the negative file form Early Warning Systems.
Consumer complaint received 2023-08-19
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: Nelnet, Inc. (CA)

According to U.S. 15 Code 1681 ( b ) a2 this is my statement that this account has been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 

Nelnet : Account # XXXX
Consumer complaint received 2023-08-22
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: Possible Financial Inc (TX)

In accordance with the Fair Credit, Reporting Act. This creditor has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. Fifteen USC sixteen eighty-one section six oh four A section two it also states a consumer reporting agency can not furnish an account without my written instructions. Under fifteen USC 's one six six six B. 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 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

ChexSystems is inaccurately and negatively reporting old information in order to keep certain demographics in a constant negative status. ChexSystems is using racial discriminatory, redlining practices to falsely and negatively report based upon race in order to keep certain demographics in a constant negative status. ChexSystems is inconsistent with actual fair and equal reporting standards. 
ChexSystems must cease and desist negative reporting on my profile and report positive in order to be consistent with similar reports that reflect the same information.
Consumer complaint received 2017-02-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: APEX Asset Management, LLC (NJ)

I recently received a copy of my credit report after XXXX. I noticed accounts which I am uncertain of and began filing disputes especially for dates I was XXXX. Apex is a debt which I do not believe I owe and when looking for validation nothing was provided but paperwork, nothing included my signature our anything just documents they prepare. So now I am sending the following letter enclosed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apex Asset Management XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2017 Dear Apex, After viewing a copy of my credit report, I noticed a collection account placed on my credit from Apex in the amount of XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

attempted to sign into my online account with XXXX on Sunday XX/XX/XXXX, was denied access to my account, working with Agent I managed to change my password and gain access ... today, XX/XX/XXXX I again tried to access my online account and was taken to Security page for XXXX asking if I was human, check YES box and nothing happens, called PayPal and spent 2 hours with various agents in which no one was able to give me access to my account ... several attempts were made thru the RESET PASSWORD link sent to my email address, but received message that link was expired..links are suppose to be good for 10 minutes, but the links sent to me by PayPal are expired ... now I am locked out of my account due to " too many attempts to change password '' according to live agents
Consumer complaint received 2023-07-11
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: GOLDMAN SACHS BANK USA (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.
Consumer complaint received 2017-04-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2015 I had a checking account with Bank of America. At the time I was working for a local XXXX who paid me by Direct Deposit. At my pay cycle in XX/XX/XXXX my DP was issued, and bounced. The XXXX then wrote me a regular check which I deposited. The XXXX at the same time as writing me a manual check had attempted to push my Direct Deposit check through again. The direct deposit ended up going through so the XXXX immediately placed a stop pay on the manual pay check. While this was going on I was working with the branch manager to help me avoid any fees or problems with my account. Abruptly the manager and myself were told that my account was now going to be closed. They closed my account shortly after with a XXXX balance. But when I try to get an account somewhere else, I 'm told I ca n't get approved because Bank of America has flagged me as fraud. I have called and spent over 30 hours on the phone with them to resolve this, every time I am told the same thing " we see that this is an error in our system but we can not resolve it you need to send a letter to our risk department. So I have, 4 times, and they have not responded to me one time. I do n't know what to do at this point, I ca n't get a bank account and this affects every part of my life. Please help.
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (FL)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX  XXXX, NY XXXX ; XXXX XXXX XXXX, XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX/XXXX  XXXX Balance XXXX : {$0.00} ; XXXX  XXXX Balance Owed : {$6300.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXX XXXXXXXX XX/XX/.
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (FL)

I called and XXXX  told me it was comenity capital bank. I tried to contact Comenity because I do not have a contract with XXXX and wanted to know the actual balance. I talked to XXXX at XXXX ext XXXX explained the situation to him. He said even if sold it should show something. XXXX has dates as open XX/XX/XXXX which is incorrect I never signed any contract or talked with them for them to put that as the date opened. they also have updated last report day on a regular basis. The original date opened with Comenity was XX/XX/XXXX.
Consumer complaint received 2018-10-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (IL)

I applied in XX/XX/2018 with Caliber Home Loans for my second mortgage. I paid the 3 payments and sent back the permanent paperwork to them. They never permanently modified my loan, and required for me to reapply, which I did.-I was approved again, and made the three trial payments and once again returned my modification agreement. 
I received my second mortgage bill which prompted me to call Caliber Home Loans. I asked WHY I was receiving this bill if I was permanently modified. The answer to my question was that I did not return my first loan modification paperwork.

I never applied for a first loan mortgage modification with Caliber, nor do I need one. I do not think they know what they are doing. I have worked with them previously in the past, and I was NEVER required to modify both loans at the same time. 

Unfortunately, it is excuse after excuse with this company. I was now told to call Friday if they are going to accept this modification without REMODIFYING my first mortgage that I never requested.
Consumer complaint received 2018-01-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (MO)

Transworld Systems Inc XXXX XXXX XXXX XXXX, DE XXXX Consumer Hotline : XXXX Consumer Hotline Fax : ( XXXX ) XXXX Has been repeatedly calling me from the following numbers : ( 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 ) 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 I do not have any delinquent debt, they have my phone number confused with someone with similar name.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.