davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Someone hacked into my Coinbase account and transferred my cryptocurrency ( XRP, ETH, LTC ) to their " XXXX '' account. It totaled {$6200.00}. I XXXX what XXXX is and its some new crypto site. Coinbase replied that they can not refund or reimburse me and it's my sole responsibility my account was compromised. They also stated there is a " specialist '' still reviewing it in separate emails. This has been ongoing for a couple weeks now and they disabled access to my account. I emailed back with the following : There has to be some kind of security or protection coinbase offers, people cant just have their money taken out and just have to deal with it. You ( coinbase ) should be able to trace back the address and account the crypto was sent to. Like I said, my accounts and logins, my 2FA authenticator app were always in my possession - I did not lose my phone or any other device. None of my other accounts were compromised. I always used the coinbase app on my phone and checked it daily. On XX/XX/19, I opened the app and it said my login was expired. I tried to log back in and couldn't. I used the " forgot password '' link and was not getting the emails from coinbase because the hacker apparently added the email to my block list. They were able to disable all coinbase emails to my XXXX account. I called support a couple times and they couldn't help. They asked me to wait to have it reviewed by a specialist and they'd get back to me via email. A couple days later, after re-verifying myself, I logged in and my crypto was gone. I shouldn't have to keep explaining this over and over again with emails back and forth. My cases were closed unresolved many times so far and I have to resubmit the same complaint to open the case again. Your ( coinbase ) site and company is not secure and easily compromised. There are numerous complaints online and reviews from people that have experienced the same thing. You ( coinbase ) should have the capability to trace it back to the address or account it was transferred into and have some type of protection or security for consumers. Coinbase should also be able to verify which device was used from what location and IP address and resolve this. I would like my money back. I will never use coinbase again after this.
Consumer complaint received 2020-01-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC (MT)

I purchased a house in XXXX, my first payment was due XX/XX/XXXX i made my payment on time to the bank that initially started my loan. I did not receive a notice of transfer and began receiving calls from XXXX XXXX about a missed payment. I called XXXX XXXX to find out what happened and learned that my loan had been sold in bulk. On XX/XX/XXXX the money was removed from my account, according to XXXX XXXX the money was forwarded to ARC home loans and recieved by them on XX/XX/XXXX. 
I have attempted multiple times to get in contact with ARC and each time was forwarded to XXXX XXXX. I did finaly get in contact with a loan officer from ARC and he said he would look into the matter, i have not heard from him since. I spoke with a manager from XXXX about the matter but lost phone connection when he attempted to do a 3 way call with ARC. 
At this point 2 months have gone by since i made that payment and ARC has still not registered it as recieved. However the money was removed from my account and i have been on time with all of my payments.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FREEDOM FINANCIAL NETWORK (CA)

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 15 USC 1681 SECTION 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

A creditor attempted to pull my credit report but was to do so because there a block on my cr edit report placed by Equifax. Additionally, I was unable to pull my credit report through the Equifax Complete Premier Plan to which I subscribe and pay a monthly fee. This is an ongoing problem for me with Equifax . This issue is known to them as I see several.
Consumer complaint received 2020-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NY)

By XX/XX/2018 I begun to receive calls from Comenity Bank / Victoria Secret Stores about an account that I haven't paid for many months. I decided to call back and told them that I don't recognize this account, they pushed me that I have paid. I told them many times that I never opened any account like this. Thanks!
Consumer complaint received 2022-12-26
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. (KY)

Company continually displays incorrect information on my account, an account was paid in full and closed and now they are trying to report it as 6 months delinquent. Another account was inaccessible for months to make payments and they also reported that as delinquent. I called multiple times attempting to pay, but it is common knowledge their system was down for a long time and my account was being reported incorrectly.
Consumer complaint received 2022-12-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NV)

I am not aware of this debt nor understand what it is. I was not notified properly nor was this debt properly confirmed to be owned by me. I would like the accuracies to be checked on this account between all XXXX credit bureaus as it's missing or removed on the other ones. 

AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-26
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. (IL)

XXXX XXXX XXXX  Account Number XXXX Account Open Date XX/XX/2022 Amount {$1000.00} Experian is reporting an account to my credit that does not belong to me. I have had several issues with them before and have had to request proof of accounts which I was not provided. Another Collection Agency called me about an account with XXXX before and I advised that I didn't have another account with XXXX. I also didn't not live at the address they provided and the services at my previous address were never in my name, I didn't have any utilities services in my name prior to moving into my home in 5 years or longer. Also, please note I currently have residential XXXX services at my home which I own and XXXX does not have any outstanding bills with my information.
Consumer complaint received 2020-06-11
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. (GA)

I have disputed this account with XXXX, EQUIFAX AND XXXX  and advised this account is not mines, this unknown account is with a collections agency. This account has yet to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX. XXXX, EQUIFAX AND XXXX. This company has placed a debt that I have not been made aware of and have no knowledge of on my credit report. This debt in the amount of {$700.00} was placed on XX/XX/XXXX and this collections that does not belong to me and has ruined my credit and I requested for this to be removed from my credit reports. THIS IS NOT MY ACCOUNT!
Consumer complaint received 2023-06-29
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. (SC)

in accordance with the Fair Credit Reporting act XXXX  XXXX acct # XXXX, has violated my rights. 

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 2023-05-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This company would not accept my United States Military ID so I could prove who I am. Yet, they have closed and placed the account on my credit report. How can I not be who I am with Military ID yet I am who I am with no creditable ID? Either they acknowledge I am who I am through my Military ID or this account is not mine because they have no ID to prove it is mine. Company : XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : Not more than 2 payments past due ( 2 ) Balance : {$4600.00}
Consumer complaint received 2020-06-11
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. (GA)

I have disputed this account with XXXX, XXXX AND TRANSUNION and advised this account is not mines, this unknown account is with a collections agency. This account has yet to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX. XXXX, XXXX AND TRANSUNION. This company has placed a debt that I have not been made aware of and have no knowledge of on my credit report. This debt in the amount of {$700.00} was placed on XX/XX/XXXX and this collections that does not belong to me and has ruined my credit and I requested for this to be removed from my credit reports. THIS IS NOT MY ACCOUNT!
Consumer complaint received 2023-05-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

I was originally with XXXX XXXX throughout the pandemic and was on XXXX orders overseas and had put in for a forbearance. However, XXXX XXXX refused to acknowledge and adhere to an agreement. This was all sent in and report to Credit Bureau. My unit got wind of it and almost had lost my Too XXXX XXXX. My mortgage was directed to Carrington in XX/XX/XXXX and was treated the same without any assistance. Due to this matter I had lost my XXXX XXXX and downgraded to XXXX which i had to pay out of pocket for an attorney ( {$4500.00} ) to fight to keep my XXXX XXXX because Carrington is not adhering to the forbearance ( XXXX XXXX ) that I was advised they could assist me in after losing my clearance as a result of XXXX XXXX and Carrington meaning I had lost my position form XXXX to XXXX. Carrington has sent another report to the credit bureau and is now threatening to take my house if I dont pay the {$9000.00} within 30 days. Not to mention Im on XXXX XXXX orders while my husband has retired from the XXXX w/XXXX percent XXXX ( XXXX yrs served ) and recently losing my Father to XXXX. This is unfair after serving 18 years in the military and still XXXX XXXX to be worried about my clearance being revoked for a situation I couldnt control. *** Tried ATTEMPTING TO MAKE PAYMENT VIA WEB ON XXXX THOUGH NOW AND UNABLE TO. This is unacceptable and horrible the way they treat their customers IM CURRENTLY OVERSEAS AND CARRINGTON HAS NOT BEEN HELPFUL
Consumer complaint received 2022-12-25
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX account number XXXX, XXXX account number XXXXXXXX XXXX XXXX XXXX  account number XXXX, XXXX XXXX  account number XXXX, 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. 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 16881s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

n accordance with the Fair Credit Reporting act. the listed Accounts below has violated my federally protected consumer rights to privacy and confidentiality us the 15 USC 1681 Account Name and Number : XXXX XXXX XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than convictions of crimes which antedates the report by the more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is incorrect
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I declare under penalty of prejury ( under the laws of the united states ) I fexcuted outside of the United States that the foregoing is true and correct to the best of my knowlwdge. Further, I ceritty that i am authorized bty FEDERAL and STATE Law to file this dispute. I also understand that knowing and williful missstatements or omissions of material facts constitiues a ferederal criminal violation punishable under 18.U.S.C.1001
Consumer complaint received 2019-12-26
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. (OH)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX   XXXX ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER XXXX  OR XXXX, ALTHOUGH EQUIFAX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Consumer complaint received 2020-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (MN)

Roundpoint mortgage company requires that its customers complete a insurance claim packet including legally binding affidavits in order to release insurance claim funds. I have submitted an insurance claim disbursement check to the company and I am awaiting the return of the check or disbursement of the funds. Roundpoint insists that they can not release the check without a signed affidavit, but this is not a requirement of the mortgage note they agreed to service - a standard Minnesota mortgage note via XXXX XXXX. I have contacted both customer service and the consumer ombudsman at Roundpoint and they have not been willing to discuss the issue or reconsider the affidavit. Since I do not have a choice in who services my mortgage, Roundpoint is effectively forcing me to enter into a legal agreement with them since I can not afford to repair my home without the insurance claim funds. This is not acceptable and I expect Roundpoint to release the funds without a signed affidavit.
Consumer complaint received 2020-01-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Management Control, Inc. (TX)

Credit Management Co. has placed an illegal erroneous account in the amount of {$410.00} on my credit reports. It is not mine and this company is causing me immense complications and frustrations because of it. I am seeking to have it removed fro my XXXX, XXXX, and XXXX credit reports immediately. I have never had any business, ordered service, or had correspondence ( to or from ) with this company, nor the company they say they represent ( XXXX XXXX ). All my attempts to validate this debt has went without response by Credit Management Co.
Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I had a modification in XXXX. I then fell behind on my mortgage XXXX, XXXX. I had some home repairs that needed to be done to keep the house in livable. Due to this I fell behind on my mortgage. I have applied for assistance 3 times and be denied each time. Each denial has come with the reason that my loan is ineligible for assistance. The lender told me it was due to my prior modification. I have reviewed the prior modification and can not find anywhere where it says that I would no longer be eligible for any assistance in the future. I would like to be reviewed for help as I think I can prove affordability. They offered me a repayment plan that was not affordable.
Consumer complaint received 2020-06-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc. (CA)

To Whom it XXXX concern ; I have filed a few disputes with XXXX XXXX, formerly known as XXXX XXXX. For the first part of my dispute, I never made an agreement with XXXX XXXX  to begin with. On XX/XX/XXXX XXXX XXXX transferred my account to XXXX XXXXXXXX. On XX/XX/XXXX XXXX had approved my buyer protection claim for the charge in question, this was verified by XXXX Employee XXXX Employee ID # XXXX on XX/XX/XXXX during a phone conversation. XXXX XXXX  said they would not honor XXXX terms and conditions. They do not get to make this decision as the credit agreement I entered guaranteed those protections with the use of XXXX  XXXX. XXXX can not unilaterally decided that I no longer am protected because I did not enter into an agreement with them. They can not negatively report on my credit with this either. 

I also filed a fraud claim with XXXX XXXX, which was later approved by XXXX   XXXX  on XX/XX/XXXX. In this approved fraud claim synchrony bank stated that they may re-bill me for the items within 60 days of the approved claim. That time period began on XX/XX/XXXX and ran until XX/XX/XXXX ( give or take a day ). XXXX made no contact during this time window. Instead, after I filed a complaint they attempted to say that the issue had been resolved and I was credited on XX/XX/XXXX. It is impossible to re-bill someone for something when the claim that would require a re-bill hasnt even been approved yet ( Approved on XX/XX/XXXX ). The attempt to hide this and not be forthcoming in their report on the account is fraudulent and I can not be held liable for their unlawful behavior. I have attached all documents to this to show the dates and times. They also state in the approved fraud claim that they would send a letter of explanation with the re-bill, as you will see there is no letter from them with the re-bill ( this was also a 0 % interest purchase for 6 months, that would have had to be specified in the re-bill. ) The only letter stating there was a re-bill was in response to the CFPB complaint on XX/XX/XXXX, well outside the 60 day window. 
Respectfully, XXXX XXXX XXXX XXXX Retired XXXX XXXX
Consumer complaint received 2020-01-04
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. (VA)

Since my identity has been compromised years and months ago, i discovered accounts reporting on my credit file inwhich i have absolutely any knowledge of and if you can not provide me with any physical documentation then I'm I'm demanding that these accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX {$1700.00} 2 ) XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

I have a Citicard credit card account and am a long time account holder. On XX/XX/year>, I called the customer service number on the back of the card. The person who answered was barely audible above the background din of noise. I literally could not hear her and had to ask her to repeat herself several times due to the loud talking and background noise. She said she would pass along my complaint about the noise. 

I asked to be transferred to a supervisor to be able to discuss the issue. I was put on hold and transferred twice and put on hold again. I finally hung up after waiting many minutes. 

I remain very concerned about the working environment of the people working in the call center. The noise in that place was ridiculously loud. Noise at this level is known to be a workplace hazard and it made the conversation unintelligible. 

Thank you for your help to improve this situation.