davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

COINBASE BANK TRANSFER DEPOSIT I made a international bank transfert ( XXXX ) for deposit on my COINBASE account on the XX/XX/2018 
Afterwards, I have realized I have made the transfer from an unsupported country ( XXXX XXXX ) according to COINBASE website. Therefore, there was no indication to make sure the actual bank transfer is not from an unsupported country during the process of how to make a deposit on a COINBASE account. 
I have no updates from COINBASE on where is my money, if it has been credited on their account in XXXX, if the money has been send back to me, I have no deposit on my COINBASE account either. I can not use it on my account as it doesn't show any amount on it. 
I have sent 3 differents complaints on COINBASE website starting from 10 days after I made the bank transfer, and I only had pre-made replies out of subject initially, and then NO MORE REPLY ... 
I am absolutely ALONE now. 
NO one from COINBASE is trying to contact me and help me or giving me status of that situation or updates.

I have called them in USA on their Support phone number as well but NO ONE replies ... 
I don't know anymore if I will get my money back from COINBASE. 
I NEED HELP.
Consumer complaint received 2018-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

I check my credit report and there is an account from Wakefield & Associates reporting as a collection account. The account number is XXXX for {$1300.00}. This does not belong to me. I have been a victim of identity theft. This company has not contacted me or sent me any kind of communications so that I could inform them that the account does not belong to me. They just posted it on my credit report.
Consumer complaint received 2022-04-28
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: Flagstar Bank, N.A. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card/Mortgage account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-11-23
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. (PA)

XX/XX/2020 I requested verification of Bankruptcy from the Three Credit Reporting Agencies ( Equifax, XXXX and XXXX ). I did not receive an answer from any of the Three Agencies. 

XX/XX/2020, I requested and received confirmation from US Bankruptcy Court XXXX District of New York that they do not verify or report Bankruptcy filings to Credit Reporting Agencies. 

XX/XX/2020, I contacted XXXX XXXX for a Full File Disclosure. 
XX/XX/2020 XXXX XXXX provided verification regarding re investigation results and removed 3 bankruptcy cases from my XXXX XXXX Report. 

XX/XX/XXXX, sent Bankruptcy Court Letter, XXXX XXXX XXXX to XXXX, Equifax and XXXX XXXX to remove the Bankruptcies from my Credit Report. 

XX/XX/2020 received a letter from Equifax stating that they verified Bankruptcies with the US Bankruptcy Court XXXX District of NY and with XXXX XXXX and did not remove the incorrect and inaccurate Public Information.
Consumer complaint received 2019-08-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NJ)

PHH Mortgage services located in XXXX New Jersey recently took over my loan from Ocwen I received a package from them regarding a loan remodification I promptly filled it out and attached supporting documents I mailed this to them USPS XX/XX/XXXX 10 days after the issuance I followed up with PHH and was told they had not received my documents I called the very next day and they verified that they had received them and that they were in the process of uploading them with a 24 to 48-hour window were there modification team to review at this time I was instructed the active foreclosure would be on hold for up to 30 days as they review the documents on XX/XX/XXXX the phone call was noted completely incorrectly as its stated above-mentioned context of our conversation and went on to say in the notes that the mortgage company attorney had the paperwork for the loan remodification there was no discussion in this 2 minute phone call regarding this attorney or any prior knowledge at all regarding this fabricated phone Note I subsequently proceeded to escalate this through their management process where I spoke with XXXX  agent ID XXXX   XXXX instructed me to fill out the new form that he would provide me via email and assured me that he would listen to this XX/XX/XXXX 2 minute phone conversation noted above and get back to me with his discretion I have to the state not receive an email nor have been advised my loan number is XXXX furthermore I have just received the docket for my foreclosure as they are clearly enhanced this foreclosure process by skipping this critical step of loan modifications
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (VA)

Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions. 

I AM NOT BEING TREATED FAIRLY BY NAVY FEDERAL!!!! EVERY MONTH THE XXXX  USELESS INCOMPETENT XXXX FIND NEW WAYS TO SCREW ME OVER AND I'M SICK OF IT!!!! THEY ALLOWED A FRAUDULENT CHARGE ON MY XXXX AND NOW REFUSE TO SEND ME A REPLACEMENT!!!! I PAY MY CREDIT CARD BILLS ON TIME AND IN FULL EVERY MONTH!!!!! IF SOMETHING HAPPENS TO MY VISA THEN I WILL HAVE ZERO CREDIT CARDS TO USE!!!!! WHICH ALSO MEANS I WILL BE WITHOUT CELL PHONE USE SINCE MY CELL PHONE IS PAID EVERY MONTH ON MY CREDIT CARD!!!!! THIS IS COMPLETELY UNACCEPTABLE AND I WANT MY REPLACEMENT XXXX SENT TO ME IMMEDIATELY!!!! WHY DO I HAVE TO SUE NAVY FEDERAL TO GET CUSTOMER SERVICE????? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NJ)

An account was opened under my name in Wells Fargo. I have never opened an account with them and I received a statement letter from them with the account information. I called and they said it will take them 45 days to investigate and they were unable to explain/ close this fraud account immediately. Im incredibly upset with my fraud experience with Wells Fargo. The fraud claim made with them is : XXXX
Consumer complaint received 2023-03-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (WA)

I am writing to file a complaint against Marcus Savings for their unfair treatment and unreasonable fees. Between XX/XX/2022 and XX/XX/2022, I attempted to pay my rent on XXXX from my Marcus Savings account, only to discover that my account had been restricted without any prior notification or explanation. As a result, the payment bounced and I was charged {$75.00} in bounced check fees. 

I tried to contact Marcus Savings to understand why my account had been restricted, but I was unable to get any clear answers or assistance. This lack of transparency and customer service is unacceptable, and I feel that I have been unfairly penalized for something that was not my fault. 

I believe that Marcus Savings ' actions violate the terms and conditions of their banking agreement, as well as basic principles of fairness and customer service. I request that Marcus Savings reimburse me for the {$75.00} bounced check fee and take immediate steps to improve their customer service and transparency. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

I disputed this public record with all three credit bureaus. Transunion deleted. XXXX  and Equifax kept saying verified with XXXX XXXX. I disputed this record with XXXX XXXX and they were unable to verify that this belongs to me. XXXX XXXX removed this public record from my credit file. ( Letter proving this dated XX/XX/2020 attached to this complaint ). XXXX and Equifax will not remove despite this letter from XXXX XXXX ( whom they BOTH " verified '' with ) .I 've asked XXXX and Equifax to remove this public record from my report and send me an updated report.
Consumer complaint received 2021-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (PA)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the SECURITYCRED ( Original Creditor : XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have several inquiries from capital one auto finance that I did not authorize. I have contacted capital one through phone calls letters and faxes yet they have not responded or removed the inquiries.
Consumer complaint received 2019-08-20
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. (AZ)

After being told by my mortgage lender that my Equifax report is blocked I began on the journey to fix the issue. Fast forward 2 months later I am still not able to have my lender pull my credit file even after following instructions of Equifax.  I have faxed Equifax personal information on 2 separate occasions, XX/XX/XXXX & XX/XX/2019.  Equifax will not give me any information about my file or why this is happening. I am very frustrated and upset because this might make me lose the home that I am set to purchase.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I

want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached.
Consumer complaint received 2021-09-08
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. (WI)

On Date 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. I like im being take advantage of and being ignored of my disputes. Section 611 ( a ). Its plainly stated that a failure to investigate these items within 30 days 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 t will file a litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hand of the wrong person.
Consumer complaint received 2019-08-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/XXXX, I applied online to open a HSBC Advance Checking account and also made a deposit of $XXXX. The account was opened to satisfy HSBC’s new checking bonus of $XXXX. The terms and conditions included:Open new HSBC Advance checking account by XX/XX/XXXX.Deposit a minimum of qualifying balance of $10,000 or more in new money in combined checking and savings accounts within 30 calendar days of account opening.Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance.Supposedly I was to receive the $XXXX  bonus 6 to 8 weeks after the completion of the 90 days period. Technically, by XX/XX/XXXX, I had satisfied all the requirements. Two months had passed and by middle of XX/XX/XXXX, I still had not received the bonus. I contacted the bank via live chat to inquire the status of the bonus. A customer service representative (CSR) indicated that the bank would start the investigation. Since then, on numerous occasions, I have contacted the bank either via live chat or telephone calls to inquire status of the investigation (case# XXXX). In XX/XX/XXXX, I was able to speak with a supervisor level CSR by the name of XXXX. He ensured that the issue had been escalated and the bank would send me an update in the next 2-3 days. It did not happen. So I tried to contact them via live chat was able to get through XXXX, on XX/XX/XXXX. He again promised me that he would send me an update in 2-3 days. On XX/XX/XXXX (not 2-3 days promised), I finally received a response from the bank indicating that the investigation is still on-going and a response will be sent to me in 2-3 days. It is now XX/XX/XXXX, and I still have not received a response. I’m very tired of HSBC’s false promises and delayed responses. After more than 8 months of the money being deposited into HSBC’s checking account, and 5 frustrating months after meeting all the requirements, I still have not received the bonus of $XXXX.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation (FL)

I had a car loan in XXXX, or XXXX from XXXX XXXX XXXX and the car was repossessed in XXXX But every year or month they put it on my credit as a new loan. It has been over a timeframe to come off of my credit. Which it is XXXX and it is still stopping me from getting a vehicle.
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help
Consumer complaint received 2021-01-05
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report. 
On XX/XX/2020, CAPITAL ONE AUTO FINANCE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.
Consumer complaint received 2018-10-02
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: EQUIFAX, INC. (MA)

I have submitted multiple complaints ( including documentation ) to Equifax, including one previously through the CFPB, on this one issue. Equifax lists my current student loan at XXXX XXXXXXXX XXXX as having a balance of {$0.00} and saying that it was discharged in bankruptcy. It was not discharged in bankruptcy. I have called XXXX XXXX XXXX  who says that they have reported ( and will report again at the end of this month ) that I have a balance which I pay toward each month, am current on payments, and have never been late.
Consumer complaint received 2017-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX XXXX has conspired with some outfit ( XXXX XXXX XXXX ) in a attempt to having them extort monies claimed owed to them that have already been previously paid to XXXX XXXX XXXX in full, and charged off which is illegal per tax reporting laws.
Consumer complaint received 2019-08-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Despite all my payments being on time and having thousands of dollars in my escrow account, Mr. Cooper failed to pay my homeowners insurance resulting in it being cancelled. They mailed me a letter saying that they are going to purchase likely expensive insurance on my behalf. My insurance agent said that they claimed to have the incorrect policy number, and he has been reaching out to them to try to get them to pay for over a week and they have not. They did not pay my homeowners insurance from escrow despite sufficient funds, which led to it being cancelled and a lapse in coverage. They also have failed to pay for a new homeowners insurance policy that I was forced to purchase because my old policy was ineligible for renewal after lack of payment. Mr. Cooper has locked me out of my online account and will not speak to me about my account on the phone because it is "under litigation" (likely for building violations that I am resolving with the city and are unrelated to my ability to pay the mortgage).
Consumer complaint received 2018-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

on XX/XX/2017 I filed a complaint with Bank of America after there was a fraudulent transaction was made on my account in which {$350.00} were withdrawn through a teller transaction that occurred on that same day. I explained to the fraud and claims department that I had visited XXXX XXXX XXXXXXXX the weekend prior and I had visited several businesses where i used the card and had also utilized an ATM. I did however still have the card in my possession. After investigating, Bank of America chose to deny my claim saying that both a debit card and correct pin were used ( even though i still had the original card in my hand at the time of the fraudulent transaction ). I appealed the decision and by XXXX my appeal was denied once again. After looking through various governmet resources and statues, it seems that my situation warranted for me to only be liable for a maximum of {$50.00}, however, Bank of America has chosen to ignore their responsibilities in keeping their customers data and financial holdings secure by allowing the illegal and fraudulent copy of a debit card to be used in a teller transaction without any form of scrutiny whatsoever.
Consumer complaint received 2023-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

My credit card was compromised and fraudulent charges were made. I thought the account was closed but apparently not. I am not denying that the account was opened by me but the debt/charges that remain on there are due to fraudulent activity/identity theft.