davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (FL)

To whom it may concernI am having an issue with my mortgage company M & T Bank. I have had some family issues that involve my some medically that made us have to pull him out of daycare. My son now XXXX care of our XXXX sons. Now this has made us loose an income. So we have started a loan modification with M & T Bank. Here is where the problems start. The bank approved us for a loan modification. We had agreed on a price and I am already began paying the agreed to price. Now M & T Bank is telling me that there is a lien on the title and they can not do the loan modification. This so called lean they are saying was put on the title back in 2008. I did not even own any property back in 2008. I did have a judgment on me back in 2008 and a bankruptcy that followed that. I had the bankruptcy discharged in XXXX of 2008. Now M & T wants me to take care of this before they can move forward. This is just not possible. The judgment was part of the bankruptcy and is non collectable. After trying to go to the court house both the XXXX XXXX and bankruptcy courthouse there is nothing to be done on the case. I have already sent the final decree and the list of creditors that was on the bankruptcy to the mortgage company. I even went so far as to try and contact the original creditor that filed the judgment ( XXXX XXXX XXXX ). That resulted in a run around. XXXX XXXX XXXX said that the case was closed and is showing that it was involved in the bankruptcy. Furthermore the case was not even in their files any more. The number on the judgment for the attorney does not even have that file anymore. So after all that I spoke to an attorney who stated that the only thing I need to provide M & T Bank is a copy of the petition and the final decree and talk to M & T Bank and ask to speak to a supervisor on who is reporting that there is a lien on the title. Well that also is not being furnished to me by M & T bank. The supervisor I spoke with told me it is a M & T supplied title company and they can not tell me who it is. M & T has been very frustrating in giving me information and also asking me to do an impossible task. Even if I had the XXXX dollars to pay this lien off its uncollectable and no one even has the case. Furthermore the attorney that I consulted with told me I do not need to hire an attorney that they get this all the time with title companies. That they do n't understand that a lien that was discharged in a bankruptcy can not be put on a title on a primary residence that was purchased at a later date as M & T Bank is saying that this is what happened. There is no way that a lien can be on the property from 2008 that I did not own until 2 and half years ago. Anyway I can not be the only person that this has happened to and being denied for a modification because of a personal non collectable judgment that is out in the county clerk.
Consumer complaint received 2021-12-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

This compliant involves Coinbase Inc. 

The following events transpired during late XX/XX/2021 leading to identification Coinbase had been breached and my account was negatively impacted : 1. On XXXX & XXXX XXXX, I attempted to unsuccessfully login to my account. I was unsuccessful due to your system advising my password being incorrect, despite using my recorded correct password. 

2. On XXXX XXXX, I spoke with one of Coinbase 's customer support representatives, XXXX ( badge # XXXX ) to resolve the incorrect password and subsequent locked account. It is important to highlight at this time, XXXX confirmed two factor Authentication was enabled on my account. 

3. On XXXX XXXX, I received an email notification from Coinbase of an unauthorized attempt to transfer Bitcoin Cryptocurrency funds ( XXXX Bitcoin ) from my account, despite my account holding no material residual Bitcoin. XXXX had advised, the transfer was on its way, but Coinbase had stopped the transfer out. 

It now appears after my personal investigation and analysis ; the hackers have sold my holdings as follows : XXXX. XXXX XXXX holdings sold on XX/XX/XXXX at XXXX AM XXXX. XXXX XXXX holdings sold on XX/XX/XXXX at XXXX AM XXXX. XXXX XXXX holdings sold on XX/XX/XXXX at XXXX AM XXXX. XXXX XXXX units purchased on XXXX XXXX at XXXX PM. 

Once this had been purchased, the hacker then SUCCESSFULLY transferred XXXX Bitcoin to the following Bitcoin Wallet address despite Coinbase claiming otherwise : XXXX This should not have happened as two factor authentication was enabled. I never received any emails or text messages in relation to any buy/sell transactions made on the account by the hackers or attempts to login to my account, except for the email on XXXX XX/XX/2021. I confirmed with your Coinbase helpdesk within the required 72-hour window this was wrong and Coinbase will have stopped the transaction ( despite it still going through ). This appears to be a failing of the Coinbase compensating controls against fraudulent transactions and cyber threats. 

I have attempted to resolve this with Coinbase through multiple support tickets and submitting via their complaints process since XXXX XX/XX/2021. I have had no resolution to the theft of my funds at this point in time.
Consumer complaint received 2021-12-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION (FL)

I contacted my bank once I realized I was a victim of fraud and tried to get them to cancel a transaction but was advised I had to wait until the charge cleared to complete my fraud claim. I thought I was investing in bitcoin mining only to find out it was a scam the next day after sending the funds to the scammers. Navy Federal has a zero liability policy that states a customer can be covered for transactions they didnt authorize or benefit from. When I was finally able to put the claim which didnt happen until 5 days later. the representatives made me feel as if I would be to get my funds back because of the aforementioned policy and I asked specifically if by me initially authorizing the payment would that prevent me from being covered they advised no. A week or so late I get a letter saying my claim was denied because I authorized the transaction which was never information that they didnt know as I told them I initiated the transactions but found out I was being scammed. After speaking with another rep she advised me that they shouldve put my claim in as a dispute and not fraud and stated I should submit another claim but as a dispute and not fraud. Several weeks later they come back with the same decision this time stating that I was charged for the amount I owed after receiving merchandise or a service which I havent received the scammers have my money. I sent screenshots of the conversation between me and the scammer and screenshots showing the website the scammers gave me thats is now down. I was a victim of fraud and Navy Federal has come to 2 decisions that is doesnt support the documentation I sent to them. Ive been banking with them for several years and when Im a victim of fraud they totally disregarded it.
Consumer complaint received 2022-10-02
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: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX # XXXX has violated my consumer rights. 15 USC 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Permissible Purposes of consumer reports 15 USC 1681b ( a ) ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates 15 USC 1681 ( a ) ( 4 ) states that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy
Consumer complaint received 2021-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There is a collection reporting on my credit report under XXXX XXXX. I have been disputing with the credit bureaus and the collection company. After every dispute, the credit bureaus, Transunion, XXXX, and XXXX leave the collection on my report. However, I have not received an appropriate response from XXXX XXXX myself. I have sent debt validation letter on XX/XX/2021, and follow up letters on XX/XX/2021 and XX/XX/2021. XXXX XXXX has not responded through mail, phone call, email, or any other method. If they can not respond to me and validate the debt for me, how are they validating the debt to the big 3 credit bureaus? I know that there is an estoppel of silence and with XXXX XXXX not responding to three validation requests, I would like to use it in my defense and have this account deleted from my report immediately. Transunion, XXXX, and XXXX have also failed to provide me with any dispute results over the last 5 months. I pulled a copy of my credit report today and noticed that XXXX XXXX is reporting the same account twice on XXXX with a different account number. I want these accounts deleted immediately because they are unverified and reporting inaccurately. I have enclosed my ID docs, copies of the letters I have sent to XXXX XXXX and copies of the images from my credit report. I am me and no one else is filing this for me. I do not want to receive letters that they need to verify my identity or anything like that. Please delete the inaccurately reporting item.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX account number XXXX XXXX  that is on my credit report it's inaccurate last day active for TransUnion it shows XX/XX/2022, for XXXX it's XX/XX/2022, and for XXXX it's XXXX 
therefore this is totally inaccurate and does not need to be on my credit report please delete this immediately
Consumer complaint received 2021-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX Bank XXXX removed as a result of dispute multiple times keeps reappearing. 

Contacted creditor requesting information they advised they submitted removal several times and no such account is showing on file
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

Chexsystems is reporting outstanding debts to XXXX and XXXX however both were paid. I need to be removed from chexsystems.
Consumer complaint received 2021-12-18
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. (VA)

The credit reporting company TransUnion is not complying with their own policies in a timely manner. I mailed my dispute XX/XX/2021 about XXXX XXXX having no permissible purpose nor my consent to have the account on my credit file. I do not recognize it and I have no results or findings from their investigation. It has been well over the 30 days.
Consumer complaint received 2021-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Company claims they properly verified and validated info on file for the below listed accounts though they did not respond to certified letters within 45 days time as required They also would not have been able to verify as XXXX XXXX / Consumer was not a secured loan it was an auto loan it also was paid off completely a month ago with no payment due. 

They are showing late for XX/XX/XXXX and XX/XX/XXXX creditor just validated yet again that they provided bureau with notice to remove those on XX/XX/XXXX at XXXX reviewing credit report they were in fact updated for this account on the XXXX as advised however they did not remove the XXXX months in question per creditor request
Consumer complaint received 2021-12-18
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: Santander Consumer USA Holdings Inc. (OH)

SECOND TIME DISPUTING FRADULENT ACCOUNTS THAT ARE APPEARING ON MY CREDIT REPORT. Once again I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following 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
Consumer complaint received 2021-12-18
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: PNC Bank N.A. (OH)

SECOND TIME DISPUTING FRADULENT ACCOUNTS THAT ARE APPEARING ON MY CREDIT REPORT. Once again I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/21 I sent written correspondence to Experian credit reporting agency of an account ( XXXX XXXX XXXX ) that needed attention. However, the credit companies are not complying with their own policies in a timely manner. This has caused me undue XXXX XXXX and XXXX  and has hurt my ability to obtain credit because the agencies are supposed to be reporting 100 % accurate and correct information.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I obtained a secured loan with XXXX XXXXXXXX XXXX XXXX for {$1000.00} on XX/XX/XXXX. This is not an actual loan where they provide {$1000.00} - it is an artificial loan where they are paid XXXX XXXXXXXX to report on my credit positively. Long story short - I had my credit card on file and I had been charged monthly without any issues. For some odd reason, during XXXX and XX/XX/XXXX- my card payments did not process and I was slapped with XXXX late payments. I reached out to the company and asked them why they did that considering that my card on file was not removed. There are a lot of complaints about this company for screwing over their customers by refusing to refund people. They claim they would refund XXXX XXXX or more of what I paid but I haven't been refunded for anything. I just want those late payments removed because I did NOTHING wrong and it is on their end for having failed to process the payments.
Consumer complaint received 2021-12-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I never received any information at all about this supposed debt, nor did they give me any option to dispute the debt!!! I just wrote them a letter asking them to verify the debt and to leave me alone and the debt isnt mine! They wont leave me alone Ive had to change my phone number. On my credit report I saw them saying how theyre contacting an attorney, I guess that means theyre going to prosecute me for debt that Im not even sure I owe!!! Theyre ruining my credit as well. I just want them to leave me alone!
Consumer complaint received 2022-10-02
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: SYNCHRONY FINANCIAL (NC)

I filled out some information on a website and they must have fished my information around to other credit companies without my consent I applied for a home loan and I noticed several mortgage companies on my report without my consent
Consumer complaint received 2021-12-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (ME)

On XX/XX/2021 I received a debit card in the mail from Wells Fargo with activation instructions. I have never opened a Wells Fargo account. I called their Fraud Department, and it was determined that the account was opened as a result of fraud, and the employee stated a freeze would be placed on the account, and an investigation would begin. 

I received a letter on XX/XX/2021 that the account is still frozen and that the investigation is still underway. 

I am submitting this complaint for the awareness of the CFPB, and for the awareness of consumers and shareholders in Wells Fargo that checking accounts are being fraudulently created at this bank.
Consumer complaint received 2021-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
Consumer complaint received 2021-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL INC (NJ)

I am filling this information out myself, I have not been helped by anyone else. 

I received a collection notice from Coast Professional , Inc stating I owe a debt. I have never done business with this company. They have violated my rights as a consumer several times in this letter by stating I owe a debt, also using profane language or language the natural consequence of which is to abuse the hearer or reader.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I attempted to log into XXXX 's website and submit a dispute and it ALWAYS say error and does not allow me to do it. There are no fax numbers, email attachments or other electronic methods to submit dispute info AND I am locked out. To add, I was a victim of the XXXX settlement group and I have received info I was breached because of it. I have received no check nor any compensation for this, as I submitted paper work 2 years or so ago showing proof of over a few XXXX in fees, improper interest and other effects from this breach to my data.
Consumer complaint received 2021-12-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (GA)

I am writing to report that Coinbase misrepresents fees during conversions from XXXX cryptocurrency to another type of cryptocurrency. When performing a conversion, the user interface states that the Coinbase fee is {$0.00}. However, they are clearly charging a percentage of the total transaction as a fee. 

This can easily be determined by downloading a user transaction report. There is a fee column, and it usually equals 2 % - 3 % of the total USD value of the transaction. 

I contacted Coinbase XXXX and Complaints seeking clarification. They stated that the difference is due to market volatility, and that they are not charging a fee. However, there is clearly a fee column on their transaction log. Also, market volatility would not create such a reproducible result. If it were due to market volatility, this would some time favor the end user. That never occurs. 

I will attach the transaction logs to this complaint.
Consumer complaint received 2022-10-02
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. (GA)

In accordance with the Fair Credit act XXXX XXXXXXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.