davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Coin base Closure Email- https : XXXX Closing too many accounts error-https : XXXX Unable to send BTC error- https : XXXX XXXX have used Coinbase for a few years now. About 7months ago, i made a transaction of over XXXX from an external wallet into coinbase. BAD IDEA!! After a few days going by i then checked the funds and tried to send a portion elsewhere. OH NO! It said sending and selling was XXXX ....!! I thought, maybe its a little issue, and coinbase would sort the issue. There was NO phone number to ring, support is useless. I waited 7days+ everytime for a response from a bot saying case closed. XXXX XXXX!! 7months down the line and me constantly putting in tickets, they decide to close my coinbase account.. No idea why, But they have closed it. I got another email stating to follow the instructions ; log in and withdraw to an external wallet. ( account has to be XXXX before closure ). I put in another wallet ID, do my authenticator.. and it says again, sending XXXX?! i keep trying and then it says " You are closing too many accounts, please try again later. " There is no hope with this company.
Consumer complaint received 2024-02-23
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX. XXXX XXXX, XXXX MA XXXX Account # XXXX I am writing to inform you that I do not owe this alleged debt on my credit report. I am refusing to pay this debt listed by the Debt Collector Agency. 

I demand proof of this debt. I am demanding for all three bureaus Experian, XXXX and XXXX to remove these defamatory remarks and comments from my credit report. This is a defamation of character.
Consumer complaint received 2017-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (OH)

First National Bank sent me a letter in the mail describing they mismanaged my Escrow account and needed to raise my monthly amount double per month over {$2000.00} per month to get the escrow balance to where it needs to be. That monthly payment was unacceptable and completely unaffordable. After many calls and many days they finally told me they would separate this in a monthly fee resulting in an extra {$600.00} a month to make the escrow amount. I understand the escrow was mismanaged, but I do not see why I am being penalized for the bank 's mistake on managing the escrow account. Now my monthly fee for escrow is more than the principal and interest and the amount required I can not afford. Please see attached documentation.
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

I applied for a free security freeze from Experian on XX/XX/XXXX and again today, XX/XX/XXXX. I entered all the requested information. Both times I received a response on the website at the end of the application that said : " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered ''. It then asks me to mail the information I just entered, plus a utility bill and a copy of my driver 's license. 
1 ) I did not have any difficulty with acquiring a security freeze from XXXX and XXXX on-line. It happened immediately. 
2 ) My FICO score is XXXX ; Experian has all the information they need. 
3 ) I do not want to put my social security number on paper and send it in the mail, as is required by Experian to obtain the security freeze. 
4 ) My husband applied for a free security freeze from Experian on-line and obtained it immediately.
Consumer complaint received 2021-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp (FL)

I took a personal loan in the amount of {$15.00}, XXXX from the Lending Club in XX/XX/2020. Sometime towards the end of XX/XX/2020, I called a Customer Service agent of the company to obtain a pay off demand good through to XX/XX/2020 to be emailed to me. By XX/XX/2020, I had not received my requested pay off so I called the Customer Service agent again and requested to pay off my loan as of that date. I was quoted {$15.00}, XXXX if I was to pay my loan off by ACH. I agreed and authorized an ACH withdrawal in the amount of {$15.00}, XXXX from my checking account. 
After that date, I did not receive any correspondence to verify that my loan is paid off. In XX/XX/2020, I began to receive correspondence that I've have missed payment for XX/XX/2020. I called the customer service and was told that there has been a mix up and that I should disregard the letter. At that time, I requested a satisfaction letter but to no avail. In XXXX, I again, received a default notice letter and called again and was told that my matter is being escalated to upper management because I was quoted a wrong pay off on the date I paid of my loan which was not my fault. 
At the time of writing this letter, I am still receiving default letter and a derogatory information has been reported to the credit repositories.
Consumer complaint received 2021-04-26
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. (TX)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-03-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Seattle Service Bureau, Inc (TX)

The National Service Bureau called my fianc trying to find me for a XXXX  debt in 2019.They also gave her all the information about my debt which is illegal. I never receive any information on this debt until I called, then I had to pay right then and there or they were going to start the process to suspend my license.
Consumer complaint received 2020-10-21
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: Santander Consumer USA Holdings Inc. (FL)

A demand for verification of debt was presented to XXXX and XXXX  by my attorneys twice and Santander as well and they have failed to respond on either occasion causing for immediate and permanent deletion of the reported debt.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

In XXXX, I had a dispute rent payment dispute with XXXX XXXX XXXX XXXX, XXXX, PA which was sent to collection agency ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, vide Account Number XXXX. The disputed was resolved on XX/XX/XXXX. 
The XXXX XXXX XXXX informed me that all Credit reporting agencies, including XXXX  XXXX XXXX were notified in writing on the closure of dispute. In XX/XX/XXXX, I approached XXXX for COVID Loan, and for Standard Equity Line of Credit ;  however XXXX declined both my applications based on Credit Reports provided by the XXXX  XXXX XXXX stating ; " Delinquent Past or Present Credit Obligations with others. '' I made made numerous unsuccessful phone calls to XXXX  at the provided # XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX  at ( XXXX ) XXXX, and Collection Representation, Ms. XXXX XXXX, confirmed that the Account # XXXX was closed on XX/XX/XXXX and all Credit Reporting Agencies, including XXXX, were conveyed this information in a timely manner as per guidelines. She also promised to send a written response to validate action of XXXX XXXX XXXX. 

The XXXX  XXXX XXXX has acted negligently by not correcting my Credit History for more than 2-years, and this has tarnished my image, credit score, and credit worthiness. XXXX   XXXX XXXX provided incorrect Credit Report to XXXX, which deprived me to obtain timely financial assistance in form of low interest Loan and Equity Line of Credit. 

I am requesting the CFPB for assistance to get my Credit Report corrected, take appropriate action against XXXX  for being negligent, and provide fiar compensation for tarnishing my image and preventing me from obtaining timely financial assistance in COVID-19 crisis. 
Regards XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX Attachment- Proof of Payment to XXXX  XXXX XXXX Credit Card Payment Receipt
Consumer complaint received 2021-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Transunion & XXXX : I am writing to inform you about an error I noticed on my TransUnion and XXXX  credit report. 

Date of item being disputed : XX/XX/XXXX Description of dispute : My Transunion and XXXX  report states that I have 1 Hard Inquiry from XXXX XXXX  ( XXXX ) on XX/XX/XXXX. It's been four months now and this Inquiry still shows on my report, even when I am not currently doing business with them. I also have a Negative Activity on my report from XXXX ( XXXX  XXXX  ) on XX/XX/XXXX. My credit card debt from XXXX XXXX  have already been settled in full, yet the negative activity still appears. 

I am requesting that you remove this information from my credit report. 

Thank you for your help.
Consumer complaint received 2020-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am a victim of IDENINITY THEFT FTC case XXXX reported to usaa XX/XX/XXXX. See attatched XX/XX/XXXX XXXX  Report # XXXX USAA account XXXX Date Opened XX/XX/XXXX Address ID XXXX First Reported XX/XX/XXXX Credit Limit {$3000.00} RECENT BALANCE AS OF XXXX XXXX {$3300.00} THIS ITEM ** REMAINED UNCHANGED ( WAS NOT OPENED BY ME ) PROVIDE ORIGINAL WRITTEN DOCUMENTATION OF XX/XX/XXXX OPENING THIS ACCOUNT VERYFYING MY SIGNATURE. See attatched XX/XX/XXXX USAA  CONFIRMATION OF SETTLEMENT card end XXXX settled XX/XX/XXXX. This is the ONE AND ONLY ACCOUNT I OPENED WITH USAA. See attatched XX/XX/XXXX 1099 C DEBT DISCHARGED VISA/MSTR XXXX AGAIN, THIS IS THE ONLY ACCOUNT I OPENED WITH USAA.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX Balance {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history Bank of America agreed to. XXXX XXXX XXXX has been reporting my auto loan account XXXX. They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. 

They have been calling and making threats about the account. They will not update the account on my credit report after they have charged off account. 

Please delete this account. XXXX XXXX XXXX did not report this account correct for more than a year. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TN)

I have made multiple attempts to contact this collection company on the ownership of this account. I've submitted multiple credit bureau disputes for the furnishing of ownership and documentation. The documentation showed an application with a social security number that does not belong to me ending in XXXX. I believe that this account belongs to someone else with a similar name.
Consumer complaint received 2023-01-31
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NC)

My father in XXXX died in XX/XX/2022. My mother in law could no longer afford the payments so both parties ( her and me ) decided that I ( son in law and daughter ) would assume the XXXX XXXX. Per XXXX  guidelines it should have been an unrestrictive transfer due to death and take no more than 30 days. We have been trying to assume this loan since XXXX and it is almost XXXX now and the last email we received is they are reviewing the paperwork and will make a decision soon. Every time I call them that is what they say. They state they don't need anything from me. It has almost been 6 months. I am already living in the home and am making the payments on the loan but this company is not following loan and time guidelines. The company is XXXX XXXX. Loan number that I am trying to assume is XXXX. XXXX XXXX is on the loan ( Deed of Trust ) and my name is XXXX XXXX. I am 100 % XXXX veteran and they stated they are also trying to figure out if they can charge me a VA funding fee. Which Me and you already know they can't per VA guildelines since I am 10 % or more XXXX. I just need someone from your agency to give this lending institution a little push to do their jobs correctly. I am a retired XXXX and now am a XXXX XXXX  and XXXX XXXX for the state of XXXX. I can get a client approved for a loan and close on a home in XXXX XXXX. It shouldn't take XXXX  months to assume a loan. Thanks for your help in this matter. Semper Fi!
Consumer complaint received 2020-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I was a victim of identity theft and as a result an account was placed in my name for a company called XXXX XXXX. I filed a police report years back when I found out about the account. However, a company by the name of LVNV Funding/ Resurgent appears on my credit in this regard. I have sent several letters/disputes to the company and they have gone unanswered and the fraudulent account still remain on my credit. 

The company also has several addresses. I have sent letters to the XXXX XXXX location and the XXXX TX location. I will be reaching out to the attorney general office and the FTC today. I want the account removed from my credit and their database. they never contacted me before placing the debt on my credit Account XXXX XXXX
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I had a credit card with Citi Bank. I lost my job and called them to tell and make a payment with them because I didn't know when I was going to be able to pay them. I didn't find another job until weeks after my due date. I told the rep on the phone what I was doing and she took the payment. The next billing cycle they charged me a double payment as if I didn't make a payment prior but I wasn't behind on my payment. When I called them back and told them what happened they wouldn't take my payment as a payment for the prior month. I told them to close my account but they wouldn't and continue to bill me and added a bunch of fees that I didn't owe
Consumer complaint received 2020-10-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (MO)

XXXX XXXX XXXX, XXXX knowingly opened collections accounts on XX/XX/XXXX without sending out any type of initial notice of debt, also the accounts were included in my Chapter XXXX Bankruptcy. 
XXXX then attempted to file claims in my Chapter XXXX case after the XXXX creditors meeting on XX/XX/XXXX and XXXX, XXXX that were denied as untimely. 
XXXX admits they failed to send out initial communications on XX/XX/XXXX, but alleges sending out an initial communications on XX/XX/XXXX. 
During a telephone call on XX/XX/XXXX, XXXX firmly states they can not prove they sent out any communications, but refuses to remove the fraudulent collections from my credit file.
Consumer complaint received 2020-09-19
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. (AL)

This is my second claim against the credit bureaus. They still have not investigated and provided me with documents stating that the items disputed on my report are accurate. I have asked for this over and over again and filed a claim with you and still have not received anything.
Consumer complaint received 2020-10-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I have been repeatedly called by Portfolio Recovery Services. They call me 5-10 times a day, from different numbers, which I keep blocking. They are also using a robot service to call and NEVER a human being after the first few weeks. 

I asked them to stop on the first 2-3 calls, and they have not. 

I also asked them to verify the debt and never receieved a letter stating who the original debt was owed to or where they had purchased it. 

At this point, I want a few things to happen, or I will be hiring an attorney to bring them to court and file a lawsuit :
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is my second claim against the credit bureaus. They still have not investigated and provided me with documents stating that the items disputed on my report are accurate. I have asked for this over and over again and filed a claim with you and still have not received anything.
Consumer complaint received 2023-01-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (TX)

This is a continuation of complaint XXXX. Amerihome after not responding to my phone calls placed my home into the foreclosure process at the end of XX/XX/2022. Prior to getting a foreclosure notice I submitted documentation to Amerihome for a loan modification. Once I got the foreclosure notice from the lawyer I immediately applied for the XXXX XXXX XXXX XXXX XXXX since I fell behind on payments due to XXXX. Both the law firm and Amerihome confirmed that foreclosure proceedings have been halted. With that in mind, I want written confirmation that I will not have any negative credit reporting during this time period. Amerihome has been unwilling to accept my mortgage payments, and negative credit reporting would both be unfair and detrimental considering my payments wont be accepted. I've included the XXXX  confirmation letter for reference.