davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I live and work in XXXX and I hold an Iranian passport. 
My Coinbase account has been block after I tried to verify my identity with my Iranian passport on XX/XX/XXXX. 
Before, I 've verified my Identity on Coinbase with my XXXX driver 's licence and my bank account and then started trading with no problem. After few days I was asked to provide one more government issued ID to double verify my identity. so I submitted my Passport. 
As the result, my account has been blocked, claiming I tried to log in from XXXX! The moment this happened I was in XXXX, XXXX enjoying my holidays. Which proves the excuse for blocking my account to be an absolute false claim. 
Since then I have no access to account nor my money. In total XXXX Euros and about XXXX Bitcoin I 've emailed 5 times, called customer support 3 times and I 've got no response at all. I even submitted the following documents as the evidences of my residency in XXXX on XX/XX/XXXX. 

- my Driver 's licence - my work/residence permit - Residence registration certificate issued by city hall in XXXX, XXXX - electricity bill - Heating bill - my Credit Card statement below is the message I received every time I try to login to my account : " Our records indicate that you have attempted to log in to your Coinbase account from a country in which Coinbase is prohibited by law from doing business ( XXXX ( XXXX XXXX of ) ) per the sanctions imposed by the U.S. Treasury Departments Office of Foreign Assets Control or other governing bodies. As a result, your account has been restricted. ''
Consumer complaint received 2022-03-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MI)

I applied for a mortgage loan on XXXX through freedom mortgage. They have switched the person I talk to at least 5 times. I was having trouble understanding one person because of my hearing loss and ever since I told them that they have been dragging out the process. Now they want another appraisal because of holes my dog dug in the yard. I filled in the holes as soon as the ground thawed. It has been one thing after another and it's too late for me to get a similar rate through another lender. They told me this process would be finished XXXX then XXXX then XXXX now it is almost XXXX and they are still holding up the process. The mortgage I have is through the same company. I don't know what to do and feel like I am being discriminated against because of my XXXX. I was just trying to lower my payments. I was not trying to get money from the equity in my home. I can send all my correspondence with them and they record all the phone calls.
Consumer complaint received 2017-11-27
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. (TX)

I have never authorized XXXX XXXX XXXX to collect or share any information about me. I have no contract with XXXX XXXX XXXX and have never requested any money nor services from them. They have no legal right to be on my credit report. Delete this account from my credit report immediately, or provide me with contracts validating I have a contractual agreement with XXXX XXXX XXXX. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. 

No Contract with XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$590.00} Opened : XX/XX/2015
Consumer complaint received 2022-12-14
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with XXXX XXXX. 

I Sent letter informing them the line of credit I have with there company, which is characterized as utilization on my consumer reports IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

WALMART/CAPITAL ONE is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) CAPITAL ONE/WALMART that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
WALMART/CAPITAL ONE HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
I advised WALMART/CAPITAL ONE they have 10 calendar days to update my utilization to 5 % or below and or delete all utilization from the consumer reports concerning my account. 
Failure to respond satisfactorily with deletion or update of Utilization to 5 %, will result in legal actions being taken against there company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character 2.Negligent Non Compliance 3.Civil Liability 4.Mental Anguish 5.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (LA)

I was notified by phone that I had a credit card debt os over {$2000.00}. They Genesis FS. Card services asked me when will I begin to pay off my debt. I stated that I didn't request a credit card and was unaware of their company. Therefore morally and legally I shouldn't be responsible for this debt.
Consumer complaint received 2022-03-31
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. (NV)

I've filed a dispute about my credit report and the incorrect items on my credit report. Its been over 30 days since I contacted them, and have not received any investigation results back yet, so hence this complaint. Below are the accounts I have problems with, please review and help me out with this. Thanks 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 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 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 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I've filed a dispute about my credit report and the incorrect items on my credit report. Its been over 30 days since I contacted them, and have not received any investigation results back yet, so hence this complaint. Below are the accounts I have problems with, please review and help me out with this. 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-07
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: EQUIFAX, INC. (TN)

I am a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DIME COMMUNITY BANCSHARES, INC. (NY)

My employer sometimes pays my expenses on XXXX, I then transfer the funds to my checking account. On XX/XX/2021 I was paid {$1100.00} on XXXX and transferred that amount to my Dime checking account where it posted on XX/XX/XXXX as completed. Three days later on XX/XX/XXXX the money disappeared, it showed as a withdrawal called " XXXX Reversal '' and all {$1100.00} was, and remains gone. My bank at first blamed it on XXXX, so I called them and they have no record of any such transaction and said it would be illegal for them to take the money back without either my or the bank 's consent, neither of which were given. Then the bank said XXXX asked for it back, which XXXX denies and if they did it would have returned to my PP account, which it hasn't. Now my bank seems to blame it on me, as though I created this transaction which I'm pretty sure ( if they would actually investigate ) they'd see it's likely fraud, and therefore the bank 's fault. I have offered to allow the bank access to my XXXX account but they are not interested in resolving this or even talking to me at all. 
I filled out an " Unauthorized ACH Form '' a couple weeks ago but still nobody at the bank seems to be investigating, and they do not wish to speak to me or explain anything, it is incredibly frustrating because I need this money for my rent coming up soon. I asked my branch manager to look into it but haven't heard back and I'm assuming he too will have no useful information. I really don't know what to do, the bank was supposed to protect my money but now it's gone and they want nothing to do with me. I've opened a new account at another bank because I no longer trust Dime, but have kept the empty checking account open waiting for them to give me my money back. PLEASE HELP! Thank you : )
Consumer complaint received 2021-02-26
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: Regional Management Corporation (GA)

Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Regional Finance Company a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery. The company has not responded to any of my letters over a 6 month period.
Consumer complaint received 2022-03-31
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: EQUIFAX, INC. (MD)

XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I have some student loans with 2 companies, Navient and XXXX XXXX XXXX. 

Navient I have 3 loans. 
2 XXXX XXXX 1 XXXX Unsubsidized After going through a rehabilitation process on all 3 loans the debt was transferred to Navient on XX/XX/XXXX where I started making monthly payments. 
When COVID happened I continued to make any payments I could and between XX/XX/XXXX and XXXX XXXX I paid {$780.00}. I just found out at the end of XXXX that all my payments, even those made before XXXX, were all used to cover accrued interest. 

So during this entire time my payments have not had any portion going to current principle but 100 % of the payments have been credited to outstanding accrued interest. When my balance was transferred to Navient the amount was {$18000.00} and now, according to their website, my current balance is {$21000.00}. 

This is a way to keep people paying student loans for the rest of their lives. How is this even acceptable to those who have been trying to make payments and work to improve their situation? 

The situation with XXXX XXXX XXXX is completely different. 
I had 2 student loans with them. 
1 XXXX XXXX 1 XXXX XXXX I paid off the Unsubsidized in XX/XX/XXXX in order to continue to improve my financial situation and pay back my obligation. 
I am currently making monthly payments to the other loan and payments are all being credited to principal balance and interest, like any loan should be.
Consumer complaint received 2021-07-07
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: Security Credit Services, LLC (MD)

On XX/XX/2021 I realized I had a negative remark on my credit report made by Security Credit Services , LLC in the amount of {$1500.00} ( see negative_remark.jpg ). On XX/XX/2021, I sent them a registered letter via certified mail, requiring a signature of receipt, requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. In short, I asked them to validate the debt they claimed I owed them and if they could not validate the debt they must request that all credit reporting agencies delete the entry ( see security_credit_services_letter.pdf ). 
I mailed Security Credit Services , LLC the registered letter to two known addresses and have yet to receive a response. The registered letters were sent by Certified Mail via USPS ( see certified_mail_receipts.jpg ). These letters are tracked and they show that they have been delivered, signed for, and received by a Security Credit Services representative. It has been nearly 40 days and I have yet to receive any response from Security Credit Services.
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 — Account information incorrect
Company: BMW Financial Services NA, LLC (GA)

I am contacting the CFPB because it is my last attempt of trying to correct the inaccuracies reported by BMW Financial Services XXXX XXXX XXXX XXXX Ohio XXXX for account XXXX XXXX XXXX XXXX. I have called to speak to two managers XXXX and XXXX trying to escalate this issue to be resolved because it is not only hindering my life but causing a snowball of other problems all due to the negligence of the staffing at BMW. It has been reported two late payments to my credit profile when in fact I have not been. It has been confirmed by multiple employees that the fact BMW is reporting a late XXXX payment when my due date was XX/XX/XXXX, payment received XX/XX/XXXX ( six days later ) ; I should not be counted for a late payment when the payment is incapable of being labeled late until 30 days past the payment date of XX/XX/XXXX ( which would be XX/XX/XXXX ). I have called and complained several times of the need for call monitoring and coaching of staff who informed me that my automatic payments were active when later informed they were not causing me to log in the BMW customer portal to manually submit one time payments. I have over a XXXX credit score, never experienced a late payment in my life which shows this is not a regular trend of actions but in fact is the opposite of my character and habits. I feel that the employee that informed me that my automatic payments were active should be held accountable and that the incorrect late payments reported should be removed immediately. I have personally sent in two packers to BMW Financial Services including a formal dispute which is attached with the details of the incident, copy of my XXXX credit report which noticeably shows my XX/XX/2021 payments as on time and a in depth 50 page packet of my credit report to show that I have never been late with any lender in my life. I am begging for help to fix this issue because it is inhibiting me from closing on my home with my family because it has drastically dropped by credit score and reflected negative payment pattern that is not true. I demand that the XX/XX/2021 and XX/XX/2021 late payments be immediately deleted for account XXXXXXXX XXXX XXXXXXXX XXXX and also the recorded phone conversation with BMW financial services employee be pulled to show that I was given incorrect information.
Consumer complaint received 2021-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

XXXX : XXXX XXXX XXXX XXXX XXXX 20 % off your first purchase FREE SHIPPING on any order when you use the XXXX 's XXXX XXXX.1 DOUBLE POINTS on every purchase to earn rewards even faster.2 EARN REWARDS get {$10.00} for every 150 points earned.2 HAPPIER BIRTHDAYS with a surprise birthday offer for your child every year.4 SNEAK PEEKS let you shop special sale events early. 
EXTRA SURPRISES with exclusive bonus points and savings offers for card members It boasts tons of benefits if you deside to use it even once but they wont send you your first bill but then said a late fee notification when you call them them they will say that they have fixed it and convince you to keep the account open then keep sending late fees even when your account is balanced and Paid off Close as soon as possible they will just keep charging you as
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 — Information belongs to someone else
Company: International Computer Systems, Inc. (TN)

An itemized bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.
Consumer complaint received 2022-12-14
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. (LA)

SEE ATTACHED Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Equifax There is information on my consumer report that is a result of Idenity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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 XX/XX/XXXX, XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX The only name should be listed on my report is ; XXXX XXXX XXXX remove ALL other variations The only address should be listed on my report is ; XXXX XXXX XXXX XXXX XXXX la XXXX remove ALL other addresses listed The only phone number should be listed ; XXXX remove ALL others There shouldnt be any employer listed as I am self employed remove ALL employers You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of this receipt of this notice. I look forward to your response. 

Thank you
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Marcadis Singer PA (FL)

Marcadis Singer, PA in XXXX, FL is trying to sue me for {$35000.00} for a debt I don't owe. I have no connection to the complaint and are alleging fake and false statements. This company is harassing me.
Consumer complaint received 2022-02-28
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. (FL)

The information on my credit report is not correct. I do not recognize this information, this is a result of identity theft and i need it to be removed from my credit as soon as possible. It is affecting me in a very negative way.