davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

On XXXX XXXX, XXXX I opened a coin base account and transferred {$5000.00} into my XXXX wallet within the account and purchased XXXX XXXX coins for {$3000.00}. After this I transferred XXXX back into my bank no problem. so now I am left with {$3500.00} in my XXXX wallet and about XXXX XXXX coins. After this for some odd reason I was unable to move my money from my USD wallet back to may bank and I was unable to sell my XXXX. whenever i would attempt to make a transaction within my account a message would appear : " Before you will be able to complete this withdrawal, you must provide additional information at https : //www.coinbase.com/ssn ''.  Then I proceeded to the link and provide my information. I provided my information correctly multiple times however, coin base system will not verify my identity even though I am who I say I am. So now after developing distrust with coin base my moved my XXXX to a different virtual wallet, but my XXXX is still left locked within my coin base account. Coin base has been terrible with trying to help me. they say their " specialists '' are taking a look into my case and when i ask them who the specialists are and where their offices are they have no answer. I would juts like my XXXX in my XXXX wallet back into my bank. 
Coinbase : " We have been experiencing a high volume of escalated cases recently and would like to thank you for your understanding and your continued patience while we review your account. XXXX # XXXX If your request is cleared, well send you an email. ''
Consumer complaint received 2015-11-02
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (WI)

The XXXX website advertised a credit card with a XXXX mile bonus for spending {$1000.00} in three months. I signed up for the credit card. I was immediately approved and emailed a cardmember agreement. This agreement did not mention that the original offer had changed. Several weeks later I received the credit card in the mail with another copy of the cardmember agreement. I did not look too closely, as I had already reviewed the one that was emailed to me. Supposedly, this XXXX changed the original terms of the offer I signed up for, saying I had to spend {$2000.00} for a bonus. After three months, my bonus did not appear. I checked the chase website and saw again the bonus listed for {$1000.00} and XXXX miles. There was no mention of any other offer anywhere. I called Chase to find out where my bonus miles were, and they said I had been processed to a new offer. They did not make this clear to me anywhere, at all. They told me that in order to receive my bonus, I could try to " close the card and reapply ''. I said I did n't want to do this as it would hurt my credit score. They " assured ' me this would not be the case.
Consumer complaint received 2017-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (AZ)

This is an old  Secured    XXXX   XXXX   card from   XXXX  , it was sold by  Midland fu nding, whom can not verify this account as I was told it was sold an d i would have to deal with the purchaser. Midland Funding can n ot verify this debt and  XXXX  has no right to charge off a Secured Card and refuse to help. I will not deal wit h Midland Funding because they have no agreement from me to take over th e account and the balance also has interest added to it, they can not charge me interest on a charged off account, I did not apply for this card through midland funding and as they do not have my application, they have no authority to collect this debt, they are not a Bank and i have no agreement with them. they reported this to all credit Bureaus as a charged off collection account, yet they have no authority to report it and they know this debt can not be reported by them as they can not prove i owe THEM!  XXXX  told me  Midland Funding Bought this account, but i do n't recall selling it to them.   and since they can not send me a copy of my application, the y need t  o delete this from their files. it is nearing 7 years old, s o it should be removed anyway but i want them to know they have no rights to collect a debt secured by my savings account.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX, I made a payment of {$3100.00} for the full balance of a promotional 6 month interest free offer from Home Depot. I had only missed the pay-in-full date to avoid any deferred interest by a few days. So I called and talked with a HD customer agent who agreed to waive any/all interest fees if I made a payment in full ( minus the interest charge ). That's why the payment was such a large amount.

This however, was not taken care of by Home Depot, and then additional interest charges and late fees kept accruing month after month. The late payment/delinquency has not been recorded to the credit reporting agencies and has negatively affected my credit rating.

I have spoken with numerous Home Depot and/or XXXX representatives who have assured me this would be taken care of, but as of XX/XX/31, it has not. There are numerous records on file from every conversation I've ever had with them. And every time, I was assured it'd be resolved and a letter to the credit agencies to restore my credit rating would be sent. It has not. It is now four months later and my Excellent credit rating has been dropped.

Home Depot needs to bring my account to a {$0.00} balance, restore my credit rating and offer an official apology for the amount of time and trouble I have had to endure over this issue.
Consumer complaint received 2016-03-02
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (IL)

I recently applied and was approved instantly for a chase slate card with what I thought per the offer online was for {$0.00} transfer fee and an introductory 0 % APR. After account approval I did n't see any confirmation that the balance transfers I submitted during the application process were going to be executed. So I called in to ask about the transfers and during that conversation the rep told me there was n't an introductory 0 % APR. I asked him to double check because that was what was advertised and why I applied. He confirmed that there was no introductory rate so I had to cancel the card, which is somewhat frustrating, not only for my wasted time but for the adverse impact this will have on my credit score.
Consumer complaint received 2023-04-05
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: LEXISNEXIS (NJ)

After reviewing my credit report I must inform you that I am NOT responsible for the listed account ( XXXX ) as I have been a victim of identity theft. 

Ive already notified both my local Police Department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. 

Pursuant to the F.C.R.A. 605 ( b ) / 15 U.S.C. 1681c-2 you are required to block and remove information identified as the result of identity theft from a consumer report no later than four ( 4 ) business days after receipt. 

I am instructing you to please delete the following fraudulent account ( XXXX ) and inquiries from my consumer report immediately. 

Accounts : Reference Number : XXXX / XXXX XXXX XXXX XXXX / Account # : XXXX / Amount : {$8000.00} Reference Number : XXXX / XXXX XXXX XXXX XXXX XXXX Account # : XXXX / Amount : {$1000.00} Inquiries : XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX Additionally, there is also inaccurate personal information being furnished on my consumer report that must be removed immediately. Please delete the following inaccurate information listed below. 

Name ( XXXX ) : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX Address ( XXXX ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; 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 CA XXXX ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX Email address ( XXXX ) : XXXX ; XXXX ; XXXX ; XXXX Phone number ( XXXX ) : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; Education : Graduation - XXXX ; Address - XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (PA)

I have sent letters for the last several years for Target to validate the date or send proof of the debt. The most recent letter I sent to Target was XX/XX/XXXX regarding a fraudulent account from XXXX. I sent my police report. I also have an identify theft report from the FDIC. Nothing has b been done. XXXX  and XXXX  removed the debt in XXXX, but XXXX  the debt remained on my report. On XX/XX/XXXX. XXXX XXXX  allowed for Target to put the fraudulent debt back on my report after I sent in proof numerous times stating that the debt do not belong to me. Section 611 it is plainly stated that a failure to investigation. 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 I will file for litigation due to stress you caused me.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

In case of my previous complaint no. XXXX, 1. Action Taken - a. XXXX  XXXX XXXX, Case Manager XXXX ( XXXX ) confirmed that I've never opened checking account or credit card with XXXX  XXXX XXXX XXXX my lifetime. 
b. XXXX states that there's no track history to match up with my SSN & all listed home address/zip codes. But there are hundreds of naming lists under my name XXXX XXXX in their banking system. I've asked them to verify all XXXX XXXX in their banking system one-by-one in order to identify the user with the credit card debt XXXX ( as of XXXX ). 

2. Answers from XXXX  XXXX XXXX : a. XXXX rejected my request since they don't know the exact account number to be associated with the credit card & its debt. 
b. on XXXX today, I've received the attached mail that credit agencies may have combined my file with a file of someone with a similar name. ( XXXX XXXX ) 3. CurrenXXXX Challenges - a. I've tried to contract 4 listed Credit boroughs to identify the associated bank account number or Credit Card Number. But, I've failed since those companies are available via XXXX where this case is not handled, and in-person XXXX  staff wasn't available on the call. 
b. I'm currently in trouble to get a Morgage to purchase my first home due to the bad credit score ( XXXX currently, each month decreasing due to this incorrect naming conversion mismatched from a different person ). Very desperate & extreme-stressful situation. 
c. In my lifetime, I've never made late payment so far. This unresolved situation makes me miserable & depressed since 2022 that I've identified the issue first time. 

4. Requests : in my perspective, XXXX  XXXX XXXX or CFBP ( as the adjustor ) needs to inform this mishap to 4 credit boroughs on behalf and should correct the mis-aligned name to the right person. The most important action though is to get rid of all the related bad credit score histories impacted by the mis-match on my naming conversion.
Consumer complaint received 2022-09-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

On the day of XXXX XXXX I signed a contract with XXXX XXXX XXXX. At the price of XXXX with an interest rate of 5.99 %. I was not provided with the type of notice of my rights to rescission under the Truth in Lending Act ( TILA ), 15 U.S.C 1601et Seq this is required by federal. Upon reviewing my contract, oblations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant 12 CFR 1026.3 named Truth in Lending. Per the Congressional finding of TILA as well as my due diligence, " It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able during the consummation of the contract Infiniti Finance did not disclose my right to rescind. Thus being the case, pursuant 15 USC 1635 I have the rights to rescind my initial consent to pursue the pervious terms. I conclude this letter with a demand for you to return my initial down payment since you failed to mention that my finance charge was all I needed to complete the deal and that the cash payment was only of benefit to you. 15 U.S code 1635 ( b ) ( F ) I ask that you return my Down payment of within 20 days of this notice by law. 

You can contact me at XXXX or XXXX. I look forward to a speedy resolution to this matter. 

Best regards, XXXX XXXX & XXXX XXXX
Consumer complaint received 2023-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NY)

Selene Finance bought my mortgage from XXXX  XXXX XXXX who was my original bank since 2001 few months ago. I was hospitalized for 40 days due to some illness and I am behind in mortgage for 47 days. I scheduled for the full payment due by end of this month and I have explained the situation to the agents who processed the payment for me and provided with a confirmation number. 
I received a letter today from selene finance via certied mail threating to foreclosure on the property via certiied mail. 
My property is my primary residence for myself and the family. The Market value of the property by county is about XXXX and mortgage balance is about XXXX. 
I feel selene finance is not acting is good faith of thier client and it's bad or illegal business practice. 

C : New York State, Attorney Generals Office.
Consumer complaint received 2017-02-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

We received a FINAL NOTICE from the City of XXXX that our property taxes were not paid for the tax year XXXX. We had no idea, as we pay through escrow with Carrington Mortgage company. Apparently Carrington did not pay our property taxes, and now the City of XXXX is planning on selling the lien to our house if these taxes are not paid. We have contacted Carrington multiple times. They have said that it was their fault and they should pay, then they said, they could n't get in touch with XXXX City. We are now a couple days away from the final pay date, and the bill has not been paid, and we are probably going to lose our home. We have NEVER, in 12 years even been late on a mortgage payment. This is unacceptable.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VI)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2016-08-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (NJ)

BBVA Compass is not allowing me to close my account. They told me that they will close my account so long as there are no transactions within 30 days. They have taken out funds from my account when and have a note it is for some type of offset. After a week, I call back to check on my account because of this " offset withdrawal '' and there is no record of my calling about the account to be closed. I live in NJ, and there is no BBVA Compass in NJ or NY for me to handle this at a branch. Each time I call, I hear a new statement. Agents are not entering in notes. The bank keeps transferring funds between checking and savings account which leaves me with overdraft fees which they will not refund. I need to close this account as soon as possible because this bank is not capable of doing anything except stealing consumers finances. 

The last representative I spoke with is XXXX : Employee XXXX He did not allow me to speak with a supervisor. 

Now living in another state, I have to call a branch and investigate the debit memo myself. I do n't believe that is my job. If I am calling a bank to help me figure out something, they should have the courtesy to follow up with the branch and see why this happened. Instead of me explaining my story to multiple people when there are no notes being made in the account anyway. Overall I would like to prevent any of my money to go to BBVA Compass.
Consumer complaint received 2017-10-13
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. (NJ)

I have an account with XXXX XXXX for an auto loan. The account is no longer with XXXX XXXX. It is now in the possession of a lawyer whom is taken care of it separately. This account should be removed since its no longer with XXXX XXXXI contacted XXXX XXXX through Consumer Financial Protection Bureau and all they said was they cant do anything about the account since its no longer in there possession.
Consumer complaint received 2016-07-24
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Mathew Aaron Holdings Inc. (CT)

XXXX XXXX at GRT Financial , Inc. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, MI XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, http : //www.grtfinancial.com contacted me by phone and offered me a credit card modification debt reduction, but I gathered that GRT Financial is not licensed in Connecticut.
Consumer complaint received 2015-04-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (WI)

There is a collection account listed on my credit report and the name of the collection agency is " Focus Receivables '' after reading hundreds of complaints I have determined that this is a scam company waiting for me to call and give them my social security number. I want this to be taken off of my credit report but I know that is n't possible without exposing this as a scam.
Consumer complaint received 2021-06-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (NJ)

XXXX claims I have a loan with them for which I did not apply. They are claiming that I owe them the first payment of {$350.00} due XX/XX/XXXX. I have never received funds from this company. 

when I called to inquire, they asked for my date of birth and I foolishly gave it to them. They then put me on hold because they had to correct the date in their system so that they could bring up my account. They said they would call me back when they bring up my account from phone number XXXX.
Consumer complaint received 2017-01-18
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: AmeriCash Holding LLC (SC)

I 've asked Americash Loans to stop contacting me several of times, and to only contact me through mail, yet they still call me. I received a call on Monday in which a guy told me that legal actions will be taken against me, and this evening XX/XX/2017 a lady by the name of " XXXX XXXX '' claiming to be an supervisor called me after I 've told them to stop calling me. A previous rep called me ignorant as well.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX   & Equifax Credit Reporting Agencies are r eporting inaccurate credit information on my credit file regarding   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  accounts. Their reporting that my current payment status i s 120plus days pa st due when in fact the account were transferred to another lender and paid. I have filed several disputes with the CRA and have contacted the   XXXX   XXXX   XXXX   XXXX   for the information to be corrected to no avail for the past 3 years.
Consumer complaint received 2016-05-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (FL)

PayPal conducted an unauthorized credit inquiry on XXXX XXXX, 2016 on my credit report. Because they enrolled me in a PayPal Credit without my knowledge or consent, making me use Paypal Credit for purchases instead of my credit card and mishandled my dispute about the case.
Consumer complaint received 2015-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (FL)

XXXX is charging for time usage on cellular numbers not used. I have disputed this several times, yet they do not send me documentation to back this debt because there isnt. How can I owe money when I didnt use their service.
Consumer complaint received 2023-04-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX  I was a victim of fraud when my Chase home-equity line of credit was accessed to withdraw {$4500.00} and transfer funds to a XXXX account ending in XXXX. This was done on line using my stolen user name and password. An investigation was initiated and 5 months later, today, I was given its resolution, which was that such transaction did not classify as fraud because it had been made on line with my user name and password. I did not make any such withdrawal so I disputed this decision. I immediately called the XXXX XXXX, which requires a complete account number for me to recover my funds. Chase claims they don't have it. XXXX XXXX  also operates as XXXXXXXX XXXX in XXXX. It is FDIC insured and has routing number XXXX, I want to strongly complain about Chase Bank for their poor handling of my claim, which took 5 months to resolve. XXXX XXXX  is a domestic institution and they should have done more to protect me, their good-standing customer.