davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

My name is XXXX XXXX, a cryptocurrency investor of Coinbase. I invested XXXX trade through the platform. When I was ready to withdraw my funds on XX/XX/XXXX, the XXXX XXXX dealers came up with multiple reasons to decline my withdraw of {$440000.00}. This resulted in a huge financial loss. Coinbase is a publicly-traded company in the United States that permitted XXXX XXXX trade, so they should be responsible for accurate verification of the XXXX trade on XXXX. As Ive trusted Coinbase - investing all my life savings, now XXXX on Coinbase refused to withdraw my funds according to the rules, so I request Coinbase leadership to return my funds of {$440000.00} ( see attachment for the transaction details ). 

Coinbase has a major flaw, enabling fraudsters to abuse its platform. Coinbase gave no warning or effort to stop a transaction to a flagged-for-fraud wallet ; In no time the money is transferred into a wallet reported several times for fraud. Coinbase also doesn't verify me or the receiver of the transaction. This incident has caused my family and I huge financial loss and major physiological impact - resulting in a XXXX on my end. I reserve the right of further accountably of Coinbase on my financial loss and phycological agony. 

I believe that my case is not the first of its kind and will not be the last. 
The following is my record tract of investment on Coinbase, so you can investigate : 1. XX/XX/XXXX, I downloaded the Coinbase app on the XXXX XXXX and registered for an account with phone, email, and driver 's license. 
2. XX/XX/XXXX XX/XX/XXXX, I transferred 11 times totaling {$440000.00} dollars from my XXXX XXXX XXXX bank account into Coinbase purchasing BTC. 
3. I purchased XXXX XXXX trade on the Coinbase platform, funds were transferred from the Coinbase wallet into XXXX platform for a XXXX trade. 
4. XX/XX/XXXX I initiated withdrawal from XXXX platform to Coinbase for selling ( at that time my assets were at {>= $1,000,000} ( RMB ), XXXX online customer service refused my withdraw ( see attachment XXXX Platform ). 
5. This is when I discovered the XXXX platform provided by Coinbase platform is a scam because the legit platforms do not ask for assurance funds. Records are provided in attachments, please see attachments.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I submitted a dispute to XXXX on my credit report through my XXXX account stating my consumer rights had been violated, and they responded with a verified and updated account with more incorrect information.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (PA)

During the pandemic I lost my job and couldnt make the monthly payments on my credit card. I tried to postpone the payments until I got a job again and it was postponed only for a month which wasn't enough time. This cause my credit to lower and thus is now causing even more hardships.
Consumer complaint received 2021-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (VA)

I contacted XXXX XXXX three times to get them to send information to their collection company that the bill was paid by me on XX/XX/2020 in the amount of {$180.00} by phone using my debt card. I have the bank statement to prove Ive paid the car insurance bill in full but they will not keep their word and follow thru on that promise. Ive also contacted the collocation company several times and they will not stop sending me letters that I didnt pay the bill even though their computer information says that I have paid it in full. Please help me ...
Consumer complaint received 2020-03-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BANK OF THE WEST (AZ)

We traded in my wife 's XXXX XXXX on XX/XX/XXXX On XX/XX/XXXX I called bank of the west for a payoff and was told {$21000.00} ( Note they had not included a payment made on XX/XX/XXXX. 

While at the dealer I was asked to provide a Written Dealer Payoff to the dealer. 
I called on Tues on XXXX I called to request the pay off be faxed to the dealer, I was informed it could only be faxed and would take up to 3 days to fax. I was quoted {$21000.00} as of XX/XX/XXXX the dealer had not received it and I called again and was told they could now email it and they emailed it but was a consumer pay off, I called back to request a dealer payoff and was told I would have to call someone else as the lease end dept couldn't put that in writing but quoted me XXXX as the dealer payoff. As of XX/XX/XXXX XXXX there was still no dealer payoff faxed and I called again and was told they would fax it immediately. I feel that Bank of the West is deliberately trying to stall this to increase the interested that I have to pay. They bounce me around to different depts and have tried to tell me the consumer payoff of XXXX which includes taxes was a dealer payoff, I clarified that this would be incorrect as the dealer payoff would not included taxes. 
They will not allow the dealer to call and get this payoff so it's not costing me more to get this lease fully paid off with the trade as they continue to drag this out. I have worked with many other banks and they can get this information within mins, so not sure why Bank of the west seems not to know how to process this paperwork and continues to send incorrect paperwork They choose to not email or reply in writing so that I have no documentation to use as evidence
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.
Consumer complaint received 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

Spoke with XXXX XX/XX/XXXX Carrington customer service about my forbearance request and documents that was emailed, faxed XX/XX/XXXX and XX/XX/XXXX. XXXX she was rude and hateful. Documents that were sent was requesting a Covid-19 forbearance and my burrower authorization. I was told they were received XX/XX/XXXX but were not uploaded to my file. I explained to her I had received intent to foreclose from Carrington. and I needed my request to be processed. I was affected by covid-19 and now I'm XXXX.
Consumer complaint received 2021-10-14
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. (CA)

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.
Consumer complaint received 2021-10-14
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: Prizm Financial Company, LLC (IA)

I have reached out to this company several time prizm financial since XXXX this problem been going on a good thing you saying that I missed a payment I have not missed one payment with this company I have put in a complaint with the XXXX  and a problem still haven't gotten solve this been going on since XXXX and here it is XXXX and they still won't fix it they continue sending that marks to XXXX on my credit report I'm constantly losing every time I build my credit report up somehow this pop up and it takes 20 some points off of my credit report constantly I had asked him several times I have put this in dispute several times and they still won't fix it and it's getting old and I'm tired now
Consumer complaint received 2021-03-15
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. (TX)

I am in the middle of purchasing a home and late payments from XXXX keep popping up on my Experian and XXXX reports. I have reached out via phone and email repeatedly over the last 3 months and received no response. 

I was delinquent in my student loans back in XXXX due to being laid off 4 times in a 2 year period. However, since then I have successfully rehabilitated my loans back in XXXX and they have been transferred to XXXX to be serviced. I can't understand for the life of me why XXXX is now reporting late payments in XXXX and XXXX. I need this fixed ASAP! 

I have disputed this every month with XXXX and Experian and for some reason, someone at XXXX keeps verifying that I'm late. How is it possible that I am late to a company that doesn't hold my debt? And as recent as XX/XX/XXXX?
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

SYNCB
Contact
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (OK)

On XX/XX/2021, XXXX XXXX XXXX XXXX loaded money from a check they could not completely cash on to a Netspend by XXXX prepaid card. 

Customer service took far too long to respond, and relayed false information of how to verify my identity. 

I used my secure inbox on the Netspend app on XX/XX/2021 to asks question, and Netspend advertised they would respond within 48 hours, and as of XX/XX/2021, they have not. It has been over 50 hours.
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My home loan was transferred to Shellpoint Mortgage comapny approximately a 17 months ago. At the time my mortgage was transferred I didn't have my insurance premium impounded. For some reason in XXXX of 2019 they decided to send my insurance company a payment for my insurance premium for the entire year and then impounded my insurance. At the time I called and asked that they remove the impounds for insurance and since I could no longer trust them, I didn't want my taxes impounded either. I got transferred to various departments and they told me they had to do an impound analysis and process my request. They said they removed my insurance impound but I had to pay back the {$750.00} premium which would take a year and then I could remove the insurance portion once the premium is paid back. I have paid back the premium and they still are charging me. Every time I call in they say it's been cancelled but they don't know why I am still being charged and they refused to remove my impound account for the taxes and are still charging me. They continue to charge my account and every time I request it, they tell me there is an escrow analysis they will run. Every time I call in I get misinformation, no one knows what's going on and my problem doesn't get resolved. They never even sent me a letter formally denying my request to remove my tax payment. I had to call in to find out. When I called in today they said they haven't done an impound analysis since XX/XX/2019, but last year they told me in XXXX and XXXX they told me they completed an impound analysis.
Consumer complaint received 2021-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CO)

On XX/XX/XXXX, I received my credit report that had an inquiry and collection noted by XXXX XXXX XXXX. representing XXXX. I disputed this collection as it was not my account and the collection was removed from my credit report on XX/XX/XXXX. Today, XX/XX/XXXX, I received another notice that a collection had been added to my credit report. Once again XXXX has employed another collections agency, Receivables Performance, to report a delinquent account. And again, this is not my account and I do not owe XXXX anything. This has seriously impacted my credit rating. 
I contacted the credit reporting agencies and disputed this collection, again. I also contacted Receivables Performance and XXXX via email, to remove my name from this file and stop harassing me with these collections. I do not owe XXXX anything. I have not had an account with them for more than 6 years. 

In XX/XX/XXXX, I closed my account with XXXX and returned all equipment and received a receipt showing no balance due.
Consumer complaint received 2024-01-05
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. (AZ)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The woman identified herself as XXXX with XXXX XXXX  calling to collect on an auto loan for Capital One from over 15 years ago. I have a bankruptcy which was finalized XX/XX/2021. This is the XXXX or XXXX call where I have advised I filed bankruptcy and that the debt is too old to collect. Then they hang up on me but continue to call. It is my understanding that once my bankruptcy was filed which was months ago, debt collectors must cease and desist calling me. I would like this company to comply.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2021 I called in to speak to someone at Wells Fargo about my account. I spoke with a rep and after getting authorization from her supervisor I was told that if I paid my balance in full then the account would be removed from my credit report. We had a conversation about how the account is hindering me from buying a house and she guaranteed me that it would be removed if I paid in full. I have paid the account in full and the account is still showing on my credit report. I feel I was lied to intentionally just to get me to pay the account off.
Consumer complaint received 2020-04-09
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. (TX)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$18000.00} XXXX XXXX  XXXX {$500.00} BANKRUPTCY  XXXX {$0.00}
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (OR)

We entered a COVID related forebearance beginning XX/XX/XXXX. There had never been a late payment prior to the COVID related forebearance. We sold the house and paid off the loan in XXXX, XXXX. Following that date, my credit report now shows a serious delinquency related to missed payments on this loan. 
I was told a forebearance would not negatively impact credit as long as there had been no late payments prior to starting.
Consumer complaint received 2020-03-27
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (TX)

By statement dated XX/XX/XXXX, PHH Mortgage Services ( " PHH '' ) together with XXXX XXXX ( " XXXX '' ), are illegally attempting to collect upon a mortgage debt that is time-barred as of XX/XX/XXXX pursuant to N.J.S.A. 2A:50-56.1 ( a ), as a result of the acceleration of my mortgage loan by XXXX XXXX pursuant to N.J.S.A. 46:9-6 as declared within the civil complaint filed in the Superior Court of New Jersey in Docket No. : XXXX on XX/XX/XXXX, for an alleged default as of XX/XX/XXXX. By statement dated XX/XX/XXXX, PHH and XXXX are continuing the illegal servicing practices of Ocwen Loan Servicing ( " Ocwen '' ) by falsely declaring a default and acceleration as of XX/XX/XXXX, which : ( 1 ) contradicts the date alleged within the civil complaint filed in the Superior Court of New Jersey on XX/XX/XXXX in Docket No. : XXXX ; ( 2 ) falsely implies payments were made for the months of XX/XX/XXXX through XX/XX/XXXX ; and ( 3 )  conceals approximately {$21000.00} in payments that I tendered, approximately {$16000.00} of which was cashed and not applied towards the above referenced account number starting the month of XX/XX/XXXX and thereafter. Despite my repeated notices forwarded to PHH and XXXX over the past 5-6 months regarding the aforementioned discrepancies along with the creation, trafficking and presentation of falsely uttered instruments by PHH, XXXX, Ocwen and their agents which set forth false claims of assignments of my mortgage loan, display forged signatures by imposters and false notarizations, and despite the binding consent judgments entered on XX/XX/XXXX in Consumer Financial Protection Bureau, et al. v. Ocwen Loan Servicing, et al. ( Civil Action No. 13-cv-2025 ( RMC ) and on XX/XX/XXXX in State of Alabama, et al. vs. PHH ( Civil Action No. : 1:18-cv-00009-TFH ), XXXX, PHH, Ocwen and their agents are willfully continuing to engage in unfair, deceptive and unlawful servicing and foreclosure practices in violation of the aforementioned consent judgments. The actions by PHH, XXXX, Ocwen and their affiliates has and continues to cause be severe emotional distress and trauma.
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (TX)

Someone applied for a credit card at XXXX MC through Comenity Bank using my ID on XXXX XXXX. It is a fraud as I have not applied for it. I have alerted XXXX fraud department about ID theft. They will follow up to cancel the credit card. I don't know how much has been charged to the credit card.
Consumer complaint received 2021-03-15
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. (NJ)

On XXXX XXXX XXXX Experian and XXXX  responded to my complaint that I filed with the CFPB regarding Chapter XXXX bankruptcy that is on my consumer report each of the credit bureaus claimed that they verified this information with the Federal Courts, they never provided me with a name, address or person. It just states it was verified by courts. On XX/XX/XXXX I wrote to US Bankruptcy Court asking did they verify my information with credit buraus and they sent back the attached correspondence stating they do not verify records with credit reporting agencies. I also checked Experian and XXXX  websites an it states they both verify bankruptcies with the courts.
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I received a promotion by mail for an American Express card. I have repeatedly asked American Express to stop sending me advertisements. Today, i received another card promotional advertisement to XXXX XXXX XXXX XXXX. I told American Express after i was sent and denied my last application to stop sending me these mailers. American Express has sent me another mailer, even after i have made multiple requests for this action to discontinue. I have also registered my name to stop receiving these and now American Express uses the deceptive practice of mailing to my business name, which still requires my SSN which i have expressly requested stop be included in promotional credit card offers.
Consumer complaint received 2020-04-09
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2021-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (AL)

I was served papers last week stating I was being garnished for a credit card from Providian national bank taken out in my name on XX/XX/2000. I was a stay at home mom at this time and I have never had a credit card in my name during that time. someone forged my name and I can not pay this garnishment. I am willing to do hand writing sample to compare the signature and prove it is not mine.