davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

I opened a Crypto Currency Account with Coinbase approximately three-four years ago. During the month of XXXX XX/XX/XXXX I received several text messages of a pending withdrawal from my account. It advised that if it was not me I should click on the link. I did not do so instead removed the Coinbase App from my cell temporarily. During XX/XX/XXXX I reinstalled the Coinbase App and it did not recognize my email or password. I communicated to Coinbase of the problem at least a dozen times by email. The reply I received is that my account is locked. I have tried to have Coinbase unlock my account by way of numerous emails without a satisfactory reply and sometimes no reply from Coinbase. I do not have access to my account despite my plea. Coinbase refuse to address my issue and my funds remain in their custody for the past six months. How can I resolve this issue and or close my Coinbase account. Coinbase remain in possession of my money under the guise that my account is locked despite all my efforts to identify myself as the authorized client.
Consumer complaint received 2017-11-07
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. (SC)

I have contacted Equifax a total of 5 times about incorrect information on my credit report. I contact them last on today XXXX XXXX XXXX XXXX Because I have lots of hard Inquiries on my credit report that does not belong to me. So were made twice in the same day, month from the same place. When ever I call they keep telling me its nothing they can do, that the inquiry has to stay on my account for 2 years. I have ask to have my address and phone number undated and also have not had any success with that. I rep, that I spoke with last was very nasty to me and told me it was nothing he could do to help me.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

During the month of XX/XX/XXXX, I sent out letters to the U.S. Bankruptcy Court in XXXX, FL as well as Experian, XXXX and XXXX  requesting that the bankrupcty discharge on my credit reports be removed because they are inaccurate and non-verified because the courts do not verify with CA or third parties.
Consumer complaint received 2017-11-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BFS Capital Inc. (NY)

The problem is that the payment is {$540.00} a day which is too hard for me. I didnt understand that I will have to pay {$540.00} a day. I thought it would be weekly. Also, when they told me the rate is 1.1 %, I thought it was monthly but they meant daily. I feel like I was trapped into this loan.
Consumer complaint received 2020-05-01
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: Experian Information Solutions Inc. (VA)

XXXX XXXX  Experian and XXXX  should not be reporting a chargeoff in the amount of {$6200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had GAP insurance with XXXX XXXX and this balance was paid in full and therefore there is nothing to collect. I have attached a copy of the GAP insurance documents for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-09-10
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: Experian Information Solutions Inc. (IA)

I have disputed with XXXX  XXXX  XXXX  ( company ) by fax XX/XX/2021. I have disputed this with all 3 credit credit bureaus and Experian is the only company that is not taking this mortgage off my credit report. That house no longer belongs to me. It belongs solely to my ex-husband per the divorce and states so in the decree. That account shows under my married name. Im not married to him and why is it showing up under my maiden name. I have disputed this issue 5 times with Experian and every time they dont do anything to help me. I even went as far as to transfer the title to my ex. My divorce decree is signed by a judge and is legally binding. Is this isnt taken off I will go look for legal counsel.
Consumer complaint received 2017-11-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

XXXX XXXX has been responding to my many consumer complaints with nothing but lies. In XXXX XXXX response to my consumer complaint she told me I could apply for assistance again, she told me to call Ocwen and speak with the relationship manager. That is a complete joke and so laughable in itself. I have called Ocwen several times and always was denied the right to speak with the so-called relationship manager assigned to my matter and was always harassed and either hung up on or put on hold for several minutes before XXXX XXXX returns laughing at me. Everytime I called I was told I could NOT speak to the relationship manager assigned to my matter because the relationship manager was on another call assisting another client. The same old robo-call-words. Its also impossible to speak to incompetent dishonest criminals who run a unorganized crime operation. So, I been using the CFPB complaint site to avoid harassment and abuse. I feel no other option left other then to apply for shady ocwen assistance until jury trial. I have applied for so-called Ocwen assistance on XXXX XXXX, XXXX. I have not received a response. I am curious what fraudulent balloon payment, increased principal balance and payment incompetent Ocwen abusive employee will shuffle in my face this time. Ocwen and its shady employee XXXX XXXX continue to threaten me with the loss of my home using forgery and fraud, fabricated documents, false principal balances, false payment history, fraudulent other fees, illegal force place insurance policies and employees who are abusive. My doctors are watching everything you criminal do to be. The application for assistance is attached along with email proving I sent incompetent servicer my application.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

On XX/XX/2021 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 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: EQUIFAX, INC. (FL)

All the bankruptcies that I filed they were prose [ pro se ] the bankruptcies were not gone all the way through and its really affecting my credit and my credit score, please I '' m asking to remove all the bankruptcies on my report. 
Bankruptcy reference # XXXX Bankruptcy reference # XXXX Bankruptcy reference # XXXX and Bankruptcy reference # XXXX, thank you. 
I can receive email when the situation has been resolved, XXXX XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (SC)

This is a inquiry on my report I did not inquire about. All the information as far as address and DOB is incorrect. Its on my report twice. From XXXX XXXX & XXXX and neither have the correct information indicating this is nothing I inquired about.
Consumer complaint received 2017-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP (CO)

I went into key bank opened a new account put {$50.00} bucks in as required to open the account the very next day they block my account. so after multiple days of calling I was advised due to bad banking with key back over 5 years ago they were closing my account the issue is when I first tried to open an account with key years ago they did the exact same thing opened the account said my credit was to bad blocked it and charged me fees. Not being allowed to have the account is fine but they charged me {$24.00} for checks even though they immediately block the account and I want my money back I cant use these checks they should not have proceeded to open the account if they were n't going to approve me im sick of being XXXX by key bank this Is the second time I never even had a chance to use the fist account because they did the exact same thing so I cant see how that was considered bad banking. then they send me a letter telling me they might report this as negative on my credit no way worst bank ever
Consumer complaint received 2017-01-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PlusFour, Inc (NV)

XXXX XXXX, a dentist office in XXXX XXXX, NV, that my wife and I visited in mid 2015 is claiming that, after my insurance was charged, that we had a combined balance of {$21.00} due that was a result of their error. I just recently received a notice from my credit monitoring service that a collection company placed a collection notice on my credit report trying to collect {$52.00}. When I called the collection company to verify what this charge was for and for the break down, they informed me that it was a {$21.00} charge from 2 years ago that originated at XXXX XXXX, a {$10.00} finance charge from the same dentist office and then another {$21.00} fee from the collection company that XXXX XXXX used. When I asked for verification of the collection, they said that the office attempted to contact me several times, and when I asked why there was a {$10.00} finance charge when I never applied for credit or signed any type of contract with the office, the replied that it was the dentist charge. Along with the {$10.00} bogus charge, the {$20.00} charge from the collection agency is a tactic to get the bill over {$50.00} dollars and reported on someones credit report. When I asked the credit agent representative, why someone would go to this length to collect {$20.00}, the response was a laugh and saying she had seen worse or less amount. I offered to pay the balance due be the dentist office without even being aware of what it was and she said that I could do that, but would still owe the remaining {$31.00}.
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (WI)

Discover 's mistake in closing credit card accounts is costing me lots of money. In the 3rd Qu arter o f XX/XX/XXXXI called Discover Corporate card services to cancel a corporate card account because my company was being pu rchased. The corporate account had two cards associated with it. One card in my name and one card in the name an employee. My card ended with the numbers XXXX and XXXXXXXX XXXX card ended with the numbers of XXXX. The XXXX card was primary. 

After my phone call with them I confirmed that my card was no longer active and told the employee with the other card that the account was cancelled. She told me she did n't have the card with her but she would destroy it. She was a long-time employee so I had no reason to suspect she would n't do what she said she was going to do.
The company was sold in XX/XX/XXXX and the EIN was cancelled. I worked for the new owners for a while but left for another job in XX/XX/XXXX.
In XX/XX/XXXX I began receiving collection calls from Discover card services. Charges were made on the card with the employee 's name on it on XX/XX/XXXX for {$860.00} and on XX/XX/XXXX for {$450.00}. This was more than a year after I thought I had cancelled the account and a year after the company went out of existence.
I reported it as fraud to Discover. They said it was n't fraud because I had authorized the employee as a user on the account. I reminded them that I had called and cancelled the account and they said I had only cancelled my card ; the primary, and that the other card had remained active. Someone reviewed the recordings and confirmed that I had called to cancel but since the other secondary card remained active once charges were made it reactivated the primary card and thus made me liable for the charges.
I tracked down the former employee and she admitted to making the purchases knowing that the card was n't supposed to be active because she helped me close the company whose name was on the card. She made payments on and off for about a year and she has been recorded several times on the phone with me to Discover acknowledging her liability. The payment made came out of her bank account. She is recorded asking Discover to transfer the liability to her in order to get me out of the liable position. The former employee has now " disappeared ''.
I have put in another Fraud claim with Discover.
Consumer complaint received 2022-01-06
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX, Citibank, n, a received our written request under RESPA law. Citibank not only failed to acknowledge the written request but also failed to respond. We are seeking a copy of the allege loan agreement. On XX/XX/XXXX, Citibank filed a law suit demanding payment. The credit agreement was never signed by the lender. Under Florida statute XXXX A credit agreement is not valid unless it's signed by both the debt and the creditor. The loan agreement does not reflect it was executed by citibank therefore we never had a valid contract. Assuming that we had a valid contract which we do not, Citibank was barred from filling the action because we modified the first lien back in XX/XX/XXXX. Under the HAMP guideline when debtor engages into a first lien loan modification the bank is barred by treasury guiltiness to dismiss the action. Citibank must dismiss the action but also extinguished the debt. see attached supported documents.
Consumer complaint received 2018-03-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VT)

XXXX XXXX XXXX XXXX Hours of Operation ( EST ) : XXXX to XXXX  Mon-Fri., XXXX to XXXX  Sat., XXXX to XXXX Sun. Company Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX Disputes : Call XXXX or write to : XXXX XXXX XXXX XXXX, Disputes Department, XXXX XXXX XXXX XXXX, VA XXXX   Disputes E-Mail address : PRA_Disputes@portfoliorecovery.com This company continues to harass, has contacted employers like XXXX XXXX XXXX in XXXX XXXX XXXX costing me a job. While serving in the XXXX XXXX XXXX XXXX  at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company held up my security clearance due to Account Number : XXXX Seller : XXXX XXXX XXXX XXXX XXXX Merchant : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX. Creditor to whom Debt is Owed : XXXX XXXX XXXX XXXX Current Balance Due : {$900.00} by paying www.PRApay.com or XXXX pay by mail - checks n payment to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX   Offering Single Payment *pay {$310.00} and save {$580.00} if payment received by XX/XX/2018 this harassment has cost me several {$25000.00} to {$170000.00} XXXX XXXX, XXXX XXXX, XXXX XXXX it caused the lost of a relationship and XXXX children. I want the harassment to stop, reported this company to the Vermont Attorney Generals Offices throughout Vermont, was serving in the US Military when then pulled an illegal court date while I was out training in the desserts, of XXXX, XXXX, XXXX XXXX. This is a case of identity theft, they keep doing this around certain dates of birthdays with men with our names, many with my name have been contacted and told about this debt, this debt goes from {$1600.00} to {$900.00} to the offer of 1 time payment {$310.00} to pay it all off. I have paid more than that amount, have lost well over the amount this company, these scam artist attorneys or they claim that while sending out threats to employers, friend, men with similar names and I want this stopped immediately please. This debt is insecure credit card debt and in no way after what I have tried to clear this debt and have lost will it ever get paid.
Consumer complaint received 2018-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My Mortgage with Bank Of America that I have now refinanced because of the situation added insurance on my mortgage even though proof was sent many times to them that I have insurance and never have been without it. I have made at least 5 calls to get this straight with them. My address number changed but everything else was the same. I sent them proof on 2 different times that is the same home financed not to mention every single year before and they never correct the address box number change .I have sent tax cards, 911 change everything possible. I decided to refinance with no issue at all with the address change. They sent me a portion of the insurance back but still owe me back pay of close to {$500.00} that was included in my payoff. I asked to speak with a supervisor and they said she was busy and that she would call me back and never did. I called them again and the person I spoke to and sent my proof of insurance to AGAIN said that it would be taken care of. Never have received nothing from them and here it is going on since XX/XX/2017. I have attached what I have sent them and they always have it on file when I call but still no results.
Consumer complaint received 2017-03-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bull City Financial Solutions, Inc (NC)

This has been on my credit report for two years. I have disputed the item over and over ; and now it just re apears as " new '' every so often. I have tried to contact the creditors inquiring as to what this is for to which I am met with different answers and an unsure avenue about how to correct this.
Consumer complaint received 2017-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NM)

I believe my student loan account under Navient has some student loans on my account that were never disbursed to me from The XXXX College I attended the school on grants but never took out any loans from this school I believe they are on my Navient account
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

i pulled my credit to myself for the first time in 2 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need be removed
Consumer complaint received 2020-05-01
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: U.S. BANCORP (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2015-06-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I deposit a check that was sent to me by a company, the bank cash it and three days later rejected and said I committed fraud. I would like to take this off because it looks like I committed fraud which i did n't it was with Bank of America