davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Hello, I have transferred some funds to COINBASE AND XXXX to purchase Bitcoins and Ethereum over 5 weeks ago.

Due to some computer XXXX  ( according to COINBASE ) my account was flagged and as a result My account was frozen with all my Coins in the account.

I have contacted them NUMEROUS Times Via E-mail and Phone calls and all I'm getting is that a specialist will be in touch with me to resolve my issues and unfreeze my account.

I have been patiently waiting for them to address my issue, but so far I have not been able to get a hold of anybody that can resolve this situation.

Meanwhile, I have missed several opportunities to make profitable investments, and also I can not withdraw my coins or Money to transfer to a different exchange.

Please help me resolve this issue as ( being a Single mom with single income ) I can not afford to have money stock in a frozen account for absolutely no Legit reason.

Thank you so much XXXX XXXX
Consumer complaint received 2022-12-01
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. (CA)

I sent a letter to the 3 Credit BureausXXXXXXXX XXXX XXXX to update/correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. I'm including it again. 
XXXX XXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXXXXXX XXXX : {$190.00}
Consumer complaint received 2021-06-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-02-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

1. Never heard anything on Loan modifactio 2. requested a payoff on the house charges on the payoff that no one can tell you what it is and why 3. Mis led on Loan modification from 2012 4. Charging for late fees from Hurricane Irma late payment fees that was supposed to be forgiven Corporate advances deferred principle Balance forgiveness from the loan modi
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I made a payment of {$8600.00} on my Capital One Platinum Mastercard on XX/XX/XXXX. My card is setup for autopayment for the minimum payment due. I made two charges to the card for {$210.00} on XX/XX/XXXX and budgeted to pay it in full in my next billing cycle. Even though I made a payment earlier in the month, and the website stated no payment was due this month the autopayment withdrew {$170.00} on 2/23/2018. It is Capital One 's policy to automatically withdraw money even if you made a payment in the billing cycle if there is not a {$0.00} balance. This extra payment really messed up my already tight monthly budget. When I caught the extra payment the next day it was already withdrawn from my account. I called Capital One to ask for the extra payment to be put back into my account because I never intended to make it. They refused to refund the extra payment citing their policy. I ran  into the same double payment problem with my XXXX XXXX XXXX credit card this month, and they refunded the extra payment with no issues.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I am writing to dispute the following information that appears on my consumer Credit report : I have recently been informed that there are negative information and collection accounts reported by the following creditors or agencies in a file you maintain under my social security number. Upon receiving a copy of my credit report, I see the following entries listing charge off and owed amounts : 1. ACCOUNT NAME NOT LISTED XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date Opened : XXXX XXXX. Inquiry : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX
Consumer complaint received 2020-02-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (AZ)

We purchased our XXXX XXXX XXXX new in XX/XX/XXXX. We financed through Hyundai Motor Finance. 

In XX/XX/XXXX we had vandalism on our car and was sent a check from our insurance written to both us and HMF. We contacted Hyundai and they told us we had different ways to handle that. 
1. Send the check to them, they would sign it and send it back to us to take to a repair shop.

2. Send the check to them, signed and they would arrange the repair 3. Send them the check signed, and they would apply it to the loan then we could pay for repairs out of pocket. The rep explained it would be just like a payment.

We chose # 3 as that would be the fastest way to get our car fixed with less back and forth. We signed the check, wrote a letter saying we wanted it applied to the loan. We didnt make our payment that month as we used that money to fix the car. 

Soon after we started getting calls from HMF stating that we were late on our payment and had penalties and negative credit reporting. We contacted HMF several times to get it resolved but no one could tell us what was going on. We asked several times to speak with management but never was returned any communication. 

Finally after almost 2 months we finally talked to a manger and they said that they would resolve the problem. They saw the payment but it was applied to the back end of the loan and not as a payment. He could fix that but we would have to dispute the negative credit reports and they would not fight it, that would be the only way to get the credit fixed. So we disputed it, and they did fight it. We still have it reporting negatively on our credit. 

Then at the end of XX/XX/XXXX our car was in an accident and totaled. Our insurance covered the worth, then our gap insurance would cover the remaining, until we received a letter from our insurance company stating that HMF reported we were missing a payment and they would not cover {$700.00} of our loan. We would need to pay that. 

It was our understanding that HMF corrected the missing payment and no longer showed that we were missing a payment. We contacted Hyundai and they stated they showed nothing about talking to a manager and there was nothing we could do. 

Now we have severely negative credit and collections due to an error on Hyundai Motor Finance. We can not get anyone to resolve it.
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capio Partners, LLC (FL)

a check for a co pay of XXXX.. was sent to hospital on XX/XX/XXXX and check was processed for payment to hospital on XX/XX/XXXX. the hospital sold this account to a collection agency and there for caused us to have to deal with this agency unnecessarily. XX/XX/XXXX a mailer was dated and sent to us as a notice of debt. we contacted the collection agency and told them there was a discrepancy because this account had been paid onXX/XX/XXXX.they had ask for a copy of the check with the patient number on it which we faxed to them onXX/XX/XXXX.they have ignored our attempts to settle this matter and have continued to try and collect on a bill that was paid. they have since used an affiliate to try and use other tactics to try and collect monies since not responding to there demands of payment they have put us into the credit bureau, which was totally unwarranted. we have contacted the credit bureau and disputed it and sent the copy of the cashed check from the hospital that they ask for, that was cashed on XX/XX/XXXX and have not been able to have this removed and that's the need for help.
Consumer complaint received 2019-03-13
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. (FL)

The account was paid and still, my credit reports have not been updated an this is impacting my score. Please look at the balance it's showing {$2400.00} and true balance is {$900.00}.
Consumer complaint received 2020-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NM)

I have a fixed rate, 30 year mortgage on my house. This loan was previously with XXXX XXXX but was sold to Freedom Mortgage a year or more ago ( not sure about when, exactly ). For various reasons, I like to make my mortgage payments ahead of time. There are good tax reasons for doing this, budgeting reasons, and I believe I even save a little bit of money when I make payments ahead of time. Freedom Mortgage will not allow me to do so. The only reason they'll give me is " It's not due yet. '' My next payment is due XX/XX/2020 and I've made several attempts to make that payment online ( which is how I make all my payments ), but their site will only let me make an additional principal-only payment, and not the regular payment due XXXX. In the past, when I've sent a check via U.S. mail before the due date, despite my including the bill and having the payment be the exact amount, to the penny, of the regular monthly payment due, the total amount of my check has been applied to principal which has meant I've had to call and get things straightened out and applied to an upcoming due date. With difficulty ( it sometimes takes two weeks for them to correctly credit my account ). 

For my own budgeting reasons ( and sometimes tax purposes ), I would like to be able to make my payments early. I can not see any reason that I should not be allowed to do this. My guess is Freedom Mortgage doesn't want to lose a penny of interest because I've paid early and avoided a few days or weeks of accumulating interest. When this loan was held by XXXX XXXX I often paid six to eight months ahead without a problem ( so I assume it's not against any law to pay early ). 

Can you help with this? 

Thank you, XXXX XXXX
Consumer complaint received 2020-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Phoenix Recovery Group (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Phoenix Recovery Group. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still no validation was received. I do not believe this account is valid and correct nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Last year Bank of America changed their rates which led to an underpayment ( I set up my payments to be paid automatically through bill pay ) which caused a late payment in XX/XX/2019. My credit is meticulous and I ALWAYS pay on time. Bank of America never notified me of the rate change, therefore, violating Reg Z ( failure to provide written notice of a rate change ). Had I received this I would have adjusted my payments in bill pay and never would have incurred a late payment.
Consumer complaint received 2020-02-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY ()

On XX/XX/XXXX Creditor Wells Fargo obtained a Judgment in the amount of XXXX plus interest. The Judgment was obtained Through their law firm at the time XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone XXXX. On XX/XX/XXXX through my 3rd party XXXX XXXX I faxed them at XXXX the fax was an offer to settle this account to obtain a lien release on the property as I have sold my house located at XXXX XXXX XXXX XXXX XXXX NY XXXX and must close by XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX I made many attempts to settle. On XX/XX/XXXX I was told by XXXX XXXX that the debt was transferred to another Law firm and to Contact XXXX XXXX at the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Phone XXXX. On XX/XX/XXXX I faxed them for the same request for settlement and followed up with phone calls to XXXX XXXX whom has not answered me yet. I was also able to speak to the receptionist and attorney or paralegal there by the name of XXXX XXXX Ext XXXX. They both confirmed that they could not find that file. 
On XX/XX/XXXX I called back XXXX XXXX at the previous law firm XXXX XXXX XXXX and she confirmed to me again that this matter needed to be cleared up with XXXX XXXX at XXXX & XXXX XX/XX/XXXX I called back again XXXX XXXX Left a message and spoke to the receptionist again that the file was not there. Now I am fearful that I will not be able to close on my house and I will have a foreclosure on my record instead of a sale. I am being harmed by the aforementioned herein as they refuse to settle with me.
Consumer complaint received 2021-12-02
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. (FL)

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Transunion XXXX XXXX. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX )
Consumer complaint received 2022-12-15
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. (FL)

In XX/XX/XXXX, I satisfied a vehicle lien with XXXX XXXX XXXX XXXX ( XXXX ). On multiple occasions, XXXX stated the account status was updated with all XXXX credit bureaus. XXXX and XXXX show the correct status as {$0.00} BALANCE and PAID/CLOSED. Experian fails to update the status despite several disputes. In XX/XX/XXXX, I received a lien satisfaction letter from XXXX and included this letter in XXXX disputes in XXXX and XXXX. The dispute result dates with report numbers are : XX/XX/XXXX ( Report # XXXX ), XX/XX/XXXX ( Report # XXXX ), XX/XX/XXXX ( Report # XXXX ), XX/XX/XXXX ( Report # XXXX ). There were no updates made and the dispute results are the account " remains. '' Experian defines " remains '' as ; the company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. This is not true. XXXX stated all XXXX bureaus were supplied the updated information. I do not know how to get this account updated with Experian.
Consumer complaint received 2016-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (CA)

XXXX or five years ago my husband & I went through Chapter XXXX which was dismissed XXXX 2016. When we filed we were told my student loan was not included, which was fine. I planned to continue paying ; however, the loan disappeared and I had no way to pay. The loan was with Nelnet and after the bankruptcy was discharged, I received an email from Nelnet telling me my loan was now two months overdue. Then I received a letter from XXXX which is a collection agency for student loans. My frustration is in the lack of communication from Nelnet. I am no longer interested in dealing with them due to their poor handling of my situation and XXXX has n't been any better, although recently I received a letter from them saying that Nelnet sold my loan when we filed bankruptcy and then bought it back after the bankruptcy was dismissed. I am furious because if they would have allowed me to keep paying, it would almost be paid off by now but they took my ability to continue paying away and randomly did their own thing without communicating with me. Even now, they have not communicated to me anything but demands for payment. They took my right to pay away when I was willing to continue paying. Collection calls do not count toward effective communication. They ca n't just show up after all these years and tell me my loan is overdue.
Consumer complaint received 2015-04-21
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (VA)

XXXX XXXX, I filled out paperwork for the XXXX XXXX XXXX claims insurance which covers my auto and visa payment and I discussed payment arrangements with NFCU and made payments on XXXX XXXX, XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX while my account was placed in a XXXX ( NFCU Vehicle Payment Protection Plan ) status. Although, all the correct paperwork was filed my account was placed in the NFCU Collection Department and giving a " Delinquent Status '' & every other day I was called about making a payment while also receiving XXXX dollar checking overdraft fee & on XXXX XXXX XXXX the NFCU Collection Department took it upon themselves to raid all my NFCU accounts including my spouse 's withdrawing at least {$550.00} and applied it to the auto loan. My NFCU Vehicle Payment Protection Plan claim with XXXX XXXX XXXX was approved during this period and a payment of {$820.00} was made to NFCU on XXXX XXXX, XXXX canceling payments that I had made from the period of XXXX XXXX XXXX XXXX while determining if any additional payments were to be cancelled for XXXX. On XXXX XXXX, XXXX NFCU collection department took out {$830.00} from my account interfering with my efforts to pay my other bills. These unauthorized withdrawals by NFCU, late charge fees and harassing phone calls keep happening that my spouse closed all her accounts with NFCU and I closed my checking account but I was informed this month ( XXXX XXXX XXXX ) by NFCU collection department that they were still trying to collect from that closed account and that I owed almost {$300.00} in late fees from a " closed '' checking account. They also wanted me to reopen a checking account and have a direct deposit placed in the account instead of me making my NFCU auto and visa payment through another bank. I have asked to have my auto payment moved to another day in the month but was told that NFCU can not change or reduce auto payments.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00} ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$460.00} ; XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$270.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$340.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2020-02-20
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. (AR)

My identity has been compromised. I found out because credit karma sent me a email that I needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under my social security number. Its upsetting that anyone would all these things using my information. These fraudulent items are not mine. 

DEPTEDXXXX XXXX {$4500.00} XXXX XXXX XXXX   XXXX {$4500.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$13000.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX   XXXX {$2200.00} DEPTEDXXXX XXXX {$4500.00} XXXX XXXX {$4500.00} XXXX   XXXX {$6000.00} XXXX XXXX XXXX XXXX {$470.00} XXXX   XXXX {$5500.00} XXXX XXXX {$4500.00} XXXX XXXX XXXX {$57.00} DEPTEDXXXX   XXXX {$1700.00}