davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MO)

To Whom It May Concern : I have tried over and OVER sending copies of my driver 's license ID, Social Security card, utility bill, photo as requested numerous times and I am still restricted on my account to where I can not sell my crypto or buy crypto. I can't withdraw either without being able to sell my crypto. I have had gains on my investments and can do nothing. During countless calls, I am asked to please hold for 5 minutes while I review your account several times.and with all due respect, during every call, there is a clear language barrier and this just further aggravates the situation. I have followed the numerous steps sent to my email & requested of me via phone. I have lost time/money at work trying to resolve this issue which can be reviewed on these Coinbase case tickets : XXXX XXXX XXXX XXXX XXXX XXXX. 
At this time, at XXXX on XX/XX/2024, my balance is XXXX and climbing. It was under XXXX when the first case was opened. 
I stand to lose money due to my inability to access my account. This is absurd!! If something is inconsistent with my information that Ive submitted, then when I initially signed up, Coinbase needs to let me know- and resolve this. My funding source, XXXX is associated with my business email of XXXX. The email associated with my coinbase acct is XXXX. I have bank records of all my transactions on Coinbase. What else do they need??? I have successfully uploaded my Driver 's Lic to my profile recently. I use face recognition as my 2-step verification on my phone... ..It will say that I've been verified via email but then turn around when I sign in and say unable to verify my identity. Ive been told by one of their customer service reps to open another account & then told by another rep, after the fact, no that is not correct. 
I filed a complaint through Coinbase- complaint # XXXX and have received no response or resolution. 
I expect resolution to this asap since I have offered up all the credentials needed to verify that I'm the account holder. Customer service stated that my case has been escalated for review but I have heard nothing. Crypto is booming right now and I have no option to cash out any gains .This is unreasonable to the point where I feel Coinbase is deliberately holding my money & the fact that they have my social sec card makes me extremely uneasy. I can not put a name to the person ( s ) that received it. Your assistance would be greatly appreciated!! 

Thank you!!!
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have been disputing with Experian XXXX and XXXX since XX/XX/XXXX and have not gotten anywhere with them so this is why i am here All XXXX credit reporting agencies have failed to conduct a reinvestigation which is a violation of 15 usc 1681i ( a ) ( 1 ) ( a ) The following accounts have the following violations and need to be removed form the credit report. 

XXXX XXXX XXXX # XXXX XXXX and Experian violated 15 usc 1681s-2 ( b ). They have failed to provide account level documention after being contacted by the credit reporting agencies regarding my dispute and violated 15 suc 1681s-2 ( a ) ( 5 ) they have failed to mark the account as disputed even tho i have multiple times. 

XXXX XXXX Account XXXX XXXX violated 15 usc 1681s-2 ( b ). They have failed to provide account level documention after being contacted by the credit reporting agencies regarding my dispute and violated 15 suc 1681s-2 ( a ) ( 5 ) they have failed to mark the account as disputed on Experian and XXXX even though i have multiple times. 

XXXX XXXXXXXX Payment history is inaccurate from XX/XX/XXXX to XX/XX/XXXX between experian XXXX  and XXXX. therefore this is a failure that they failed to give the furnisher relevant information and XXXX  violated 15 usc 1681s-2b.

The following collections need to be removed and all have violated 15 usc 1681s-2b XXXX- XXXX XXXX and Experian XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX )
Consumer complaint received 2021-02-07
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: Credit Karma (OH)

Over the past year Ive been trying to find out my credit score, no matter what company I use none of them are able to identify my social security number. Ive confirmed with my social security card that its the correct number. 

Im very confused on where to go from here. What help is available?
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MN)

I had contacted credit acceptance in 2020 due to hours being reduced at work regarding the covid 19 shutdown/ reduce hours of operation and was told that I was unable to reduce or extend the length of the loan and was at 23.99 % interest I was also unable to refinance through credit acceptance to reduce interest I had already been paying for 2 years on the loan
Consumer complaint received 2020-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In addition to an existing complaint # XXXX. I have previously filed a complaint trying to figure out where a {$9000.00} check went. A Bank of America 0 % interest check was mailed out to XXXX XXXX  on XX/XX/XXXX in the amount of {$9000.00}. to pay down a home equity loan. XXXX XXXX said they never received it and Bank of America said they did because it was cashed. They forwarded me a copy of the check front and back. It was endorsed by XXXX XXXX which is not how I spell my name and it was made out to XXXX XXXX so XXXX XXXX should not have been able to cash it. Bank of America had an open fraud case on this from XXXX to XXXX and after all that time they sent me a letter saying I am responsible for paying this {$9000.00} that is sitting in someone else 's account. Initially I assumed someone inside XXXX XXXX  was behind this because another check that was sent directly from XXXX XXXX for {$13000.00} was also being investigated because it wasn't posting to the equity account. I was later recovered and I'm assuming they figured it out. However XXXX XXXX informed me that check appeared to be that of a mobile deposit. Which I never knew. Bank of America was working on this for 7 months and never told me that. I don't understand how a check for such a large amount was able to be deposited without a license or proof of identity. That is so wrong. .I don't know understand how I'm responsible for this fraud. Please help me to figure this out as I do not have that king of money to pay for the banks error on letting this go through.
Consumer complaint received 2020-09-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Paypal Holdings, Inc (NH)

XX/XX/2020 I received debit card in the email. Immediatley tried to call PayPal. Waited on phone for 41 minutes and was told someone opened an account on XX/XX/2020 with my name, ss, address -- their email and phone number. I was told I had to be transferred and they could help me. The phone was disconnected. I have tried all afternoon and you get hung on you can't even protect yourself from losses because you can't report the fraud. I have tried 3 XXXX # 's and Can't get a person on the phone. I am concerned. my credit is already locked so I am unsure how this happened. I have not activated the card as I do not want them having my info. Please help me report this to PayPal.
Consumer complaint received 2021-02-07
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: CORELOGIC INC (PA)

I submitted a 609 letter to the credit bureaus and still nothing they inquiries are truly haunting me Im trying to buy a house the following inquiries on my report are not mind. 
Credco XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Please block and remove them from my report i have tried everything.
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (TX)

this is a account that I never open or apply for.I file a ftc report, they still with no proof said it was mines, so i file a police report too and the credit bureaus and wells fargo/XXXX XXXX still wont remove it from my credit nor forgive the debt
Consumer complaint received 2020-06-19
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

DPTEDXXXX XXXX {$14000.00} USDOEXXXX XXXX {$420.00} XXXX  XXXX {$740.00} XXXX XXXX XXXX {$460.00}
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

PayPal debit my account for {$250.00} on XX/XX/XXXX generate a negative balance, saying that I had a duplicate credit after I disputed a transaction with PayPal Credit Synchrony Bank on XX/XX/XXXX. I contacted both companies every day since XX/XX/XXXX with no help at all to resolve the issue, and each company do not have support about I own a duplicate credit, they just answer my complaint saying that the opposite company need to resolve the problem. Not sure how these XXXXwo companies share information or do business together but they mess it up my PayPal account.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I am writing in concerns to my credit report which reflects a lot of un authorized and fraudulent accounts. i am a victim of identity theft. Please block and remove all inquires and fraudulent accounts and charges. I would like to have my credit report accurate. Please block these fraudulent information from my credit report, pursuant to section 605B of the fair credit reporting act,.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Glory LLC (TX)

Credit glory charged to my account {$270.00} which was unauthorized. I called and canceled trail period in time. Out of the blue with out notice they charged my card causing XXXX over draft charges at {$25.00} each. Putting the total Credit Glory owes is {$350.00}. I was forced to use them while applying for a loan. As soon as I was done I called and canceled the trail period for {$1.00}. This is a scam derived to charge people for services when they have been cancelled.
Consumer complaint received 2021-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

XXXX XXXX XXXXXXXX XXXX. was the loan servicer and XXXX XXXX XXXX, As Trustee XXXXXXXX was the trustee. This information was listed on various illegal recorded documents as mentioned in my pervious letter on dated XX/XX/XXXX. The principal-agent relationship is an arrangement in which one entity legally appoints another to act its behalf. In a principle-agent relationship, the agent acts on behalf of the principal and should not have a conflict of interest in carrying out the act. The relationship between the principle and the agent is called the " agency. '' and the law of agency established guidelines for such a relationship. 

Therefore, these violations against the borrowers executed by XXXX XXXX XXXXXXXX XXXX. your servicer at the time, were either sanctioned by XXXXXXXX XXXX  XXXX. or ignored, either one, caused harm to the XXXX Family. For it was under your relationship with XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX sent the borrowers {$23000.00}. to bring current their past due payments for the months spanning from XX/XX/XXXX, until XX/XX/XXXX. Your servicer XXXX XXXX XXXXXXXX only applied 4 ( four ) of the payments sent by XXXX XXXX XXXXXXXX XXXX while filing a illegal Notice of Default for the remaining payments while still in possession of {$12000.00}. along with stating they were unable to locate the borrowers. The actions by your servicer XXXX XXXX XXXXXXXX XXXX. and the inactions of XXXX XXXX XXXXXXXX. force the borrowers into a Bankruptcy action to save their home : # XXXX filed on XX/XX/XXXX, again, XXXX XXXX XXXX  XXXX. had the funds to bring the past due payments current. 

Rather than recount the numerous violations which occurred with XXXX XXXX XXXXXXXX XXXX, I choose to move on to Mr. Cooper XXXX Nationstar. The same violations of servicing were allowed to continue on unchecked by XXXXXXXX XXXX XXXX XXXX XXXX, until the US Department of Justice and the Untied States Trustee intervene collectively with a Memorandum of Understanding dated XX/XX/XXXX. This agreement attached was between Nationstar Mortgage LLC and was between the " Relevant Periods '' XX/XX/XXXX to XX/XX/XXXX. ( see attached ) ( XXXX transferred to Nationstar XXXX ) Without waiving privilege : Nationstar admitted of the mishandling of accounts which were in Bankruptcy in their servicing care, this resulted in mortgage accounts being illegally foreclosed on. 

I have no doubt that there is an executed PSA agreement with XXXXXXXX XXXX XXXXXXXX. and Nationstar XXXX Mr. Cooper to service XXXX XXXX  ' interest. Furthermore, I have never seen a PSA " Pooling Servicing Agreement '' which requires zero reporting to the investor and one which provides no obligation to their Certificate Holders.
Consumer complaint received 2020-09-28
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

3rd party collection agency called not only me but my wife, advised agency debt was from a car accident that wasn't caused by us and health insurance was still given just incase. advised as a dispute. still agency called after, when called all they asked was if they was speaking to first and last name I said yes, then they proceeded to state mini XXXX with out any further verification. I then advised after the 4th time they called including today XX/XX/20 and XX/XX/20 doing same thing that I already advised the account was not our responsibility I have the info to send in to dispute account and will send in police report attached. I then asked if this was a 1st party or 3rd party collection agency, employee advised 3rd I then stated aren't you supposed to do a second form of identification date of birth, S.S, something before going through any PPI do to FDCPA employee stated yes but that he can say certain things prior, I said yes but certain things aren't disclosing all the info of the call. he then stated he's aware of FDCPA and was following company policy I stated well if your aware of the FDCPA then you would know doing something incorrectly that violates that law not only your company can be sued but you can also. he then stated " if that's what you would like to do go ahead '' while trying to speak over me which is also a form of rude and intimidating procedures. I advised mark as dispute and mark in notes if your going to call make sure you correctly verify who you are speaking to before releasing any further info. I wasn't going to complaint but seeing how careless he was when advised I feel maybe someone in the company should advise them how to correctly collect a debt.
Consumer complaint received 2023-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TN)

In XXXX of XXXX I canceled my XXXX mobile account with no money owed. I had 5 lines that I ported over to another XXXX The next month XXXX tried charging my credit card for another month of service I called and they credited my account XX/XX/XXXX but only after I did a 3 way call with XXXX and the new carrier to prove that I had ported over all of my lines. On XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. They suspended the service of an account that I didn't have on XXXX and again on XX/XX/XXXX. They again attempted to charge me on XX/XX/XXXX then on XXXX they disconnected the services again. On XXXX they credited the account back. Then on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. On XXXX they again suspended the service again. XXXX charge attempt then on XXXX another suspension. This cycle went on until XX/XX/XXXX where they finally closed the account. In XX/XX/XXXX they sent it to collections for {$1300.00}, I wasn't notified of this until XX/XX/XXXX. I made several attempts to get this resolved. I finally got a rep to credit the total amount back and sent me two seperate emails of {$680.00} and {$690.00} on XXXX. They sent {$680.00} to the collections but have not sent the rest. I've disputed this with now resolution from XXXX even with them saying the account is closed with XXXX balance.
Consumer complaint received 2022-11-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Credit Acceptance took a cash deposit, fraudulently signed my name on a cct, listed late payments on my credit report XXXX times although usc 15 code 1666 states they are not allowed to to amongst other violations.
Consumer complaint received 2020-08-10
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. (GA)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

As attached document illustrates, I currently have an ARM mortgage with Chase Bank. My interest rate is currently based on the LIBOR, which I understand is being phased out in 2021. I have been in contact with Chase Mortgage Division, Escalation Dept, to find out what Index will be used to determine my mortgage interest rate in 2021, as my rate is determined by the Index value published on XX/XX/XXXX of each year. ( Given that date, XX/XX/2021 is coming up in 3.5 months, I want to know what my mortgage rate and payments will be ) I have repeatedly asked Chase to advise me of what Index they will be using to determine my rate, and they have advised that they " can not '' provide this information to me at this time ... My contractual mortgage agreements with Chase all reflect that the LIBOR is the Index that will be used for my ARM. As the borrower, I feel i have the right to know what is happening with my mortgage rate, if indeed Chase is dis-continuing use of the LIBOR index for adjustable rate mortgages. 
I AM REQUESTING A SOLID ANSWER TO THIS QUESTION FROM CHASE BANK.
Consumer complaint received 2016-01-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Mortgage company did not record payments, though at the end of the year, XXXX showed the excessive interest. Continued with this fraudulent activity for 2 years and several unnecessary forbearance agreements. Attempted to file bankruptcy, so as to have trustee monitor our mortgage. Bankruptcy attorney, schemed to file for " overestimated property value '', and sought a loan modification ... not bankruptcy. We did not want this, attorney gave us no choice. Attorney did not utilize " request for production ''. He did not request our records from them, and did not submit my records to them. Loan modification took 3 years and {$47000.00} of interest was added to the principal.
Consumer complaint received 2021-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2021 I called Capital One to request a refund of a credit balance. The representative advised me that it would be at least 10 business days before I received the refund. I advised him that timeframe was not acceptable to me. In fact, it does not even take that long for me to pay the bill. I explained to him that ten business days was almost a month. He said it would be XX/XX/XXXX. I am not sure what calendar he is using but the XXXX would be ten calendar days and not ten ( 10 ) business days. I asked to speak to his manager. He put me on hold for about five ( 5 ) minutes and I was then connected with a " Senior Supervisor. '' I explained to the lady that I did not want to speak to a supervisor. I advised her that this had nothing to do with her personally but that it was more due the previous two problems that I had with a " supervisor '' with Capital One and that both issues remained unresolved. She explained to me that there was nobody above her that I could speak with. This is 100 % not true. If it were, that meant she is the highest ranking individual at Capital One. I know this is not true, she knows it is not true. In fact, here are a few that are more senior ranking than she is : XXXX XXXX XXXX