davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

Coinbase.com is requiring me to update some account information on their coinbase.com/ssn screen in order to do anything but miniscule sells in my account. Unfortunately, their system does not recognize my address as a valid address even though it is a valid address of a major apartment complex in a major city in the XXXX. 

I have tried to contact them numerous times since XXXX XXXX with no success. I 've tried via e-mail and via twitter ( both public and direct message to their account ). 

They do not respond, ever. I have seen many others have similar complaints. I fear this is part of a fraud or scam intended to make me give up on selling from my account until they have some excuse to confiscate my funds and use them for themselves.
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MN)

I am having a problem getting my free annual credit report, I am entitled to annually under the Fair Credit Reporting Act ( FCRA ) from XXXX XXXX, XXXX and Experian. Furthermore, I need my credit report released to all lenders, creditors, banks and credit unions.
Consumer complaint received 2017-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (TX)

I applied for 3 credit cards from Barclay Bank after receiving many solicitation pieces from them. I was approved for 2 and the 3rd required me to call in for verify some information. I called in and based on their criteria they were unable to verify my information and they then placed a restriction on all of the accounts. They requested I send a copy of my social security card front/back, drivers license front/back and utility bill front/back. I told them I would not send my personal information by mail especially not a copy of my social security card and I requested to get it resolved in a different way. Representative told me at this time they could only verify by mail. I 've called at least 3 times to get this resolved and I get the same answers from them. Since I 've opened these accounts which I have not been able to use I received my first bill which I quickly paid online in full for the annual fee charge. I continue to receive their solicitation to my home address and letters requesting I call and verify my information before they will take the restrictions off all of my cards. I need your help to resolve this. 

Thank you.
Consumer complaint received 2021-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (DC)

I filed 2 disputes about 2 transactions with a company because the company never provided the service that paid for. I paid for e-filing of 2 documents which were supposed to be recorded for a business transaction that was to take place in a few months. When I went to close on the transaction, I was unable to and the business transaction was terminated because that documentation was never filed. When I called the company and ask them why they didn't file it, the admin. assistant literally said " oh I don't know '' but we did get your documents. I then asked for a refund and she said no. I IMMEDIATELY contacted Elan to file the despites. Elan then proceeded to have me explain the situation and further WRITE it down TWICE and mail and fax it in. After going through all of that trouble, they sent me a letter this week saying that they can't do anything about it because my disputes were files after 60 days of the transaction. THE ISSUE DID NOT ARISE UNTIL AFTER 60 DAYS. AND ALSO, WHY WASTE MY TIME AND HAVE ME GO THROUGH ALL OF THIS TROUBLE ONLY YO NOT ASSIST. I NEED MY MONEY BACK. I PAID FOR SERVICES THAT I NEVER GOT AND THIS IS NOT ETHICAL AT ALL.
Consumer complaint received 2017-12-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (KS)

I have had several instances where I have needed financial assistance based on the high interest rate and monthly cost of my graduate loans ( in spite of being on an income-driven repayment plan. ) According to Navient 's payment history - since XXXX of XXXX I have paid approximately {$720.00} dollars towards the principal of the loan ( currently over {$42000.00} - but was only {$39000.00} at the end of grad school. ) In that same time period I have paid almost {$8000.00} in interest. The last three months ( for example XXXX, XXXX, and XXXX XXXX ) payments of more than $ XXXXmonth have been paid - but not a single penny has gone towards the principal. How is this NOT like debtor 's prison? The last phone call I put in to customer service, they literally told me to " just pay the interest for ten years and then request forgiveness of the loan. '' But that would amount to tens of thousands of dollars in pure profit to Navient with absolutely no benefit towards paying off the debt. I 'm interested whether they are being sued privately. I know they 're being sued by the CFPB, and a couple states - and I intend to be involved there. But I 'm wondering if there any private citizens involved in class actions - if so - how do I get involved there?
Consumer complaint received 2019-03-08
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FIRST GUARANTY MORTGAGE CORP (LA)

TIME SENSITIVE : XXXX XXXX XXXX, XXXX, directly or indirectly initiated a legal proceeding action and obtained a court order to SELL MY PROPERTY in XX/XX/XXXX. Attached is the Sheriffs Notice of Seizure and Sale. 
XXXX has no legal standing in court. There is no ( never was a ) contract between FIRST GUARANTY MORTGAGE CORPORATION and XXXX XXXX XXXX. 
XXXX is claiming that XXXX XXXX XXXX owes them about $ 100K for a loan they allegedly loaned in XX/XX/XXXX. This is false. XXXX did not loaned any money/credit to XXXX XXXX XXXX ( the true creditor as per 15 USC 1692 ( A ) ( 4 ) ). Attached is a copy of the accepted and filed CORRECTED form 1099-A in which the IRS accounting department have properly accounted for the transfer of {$100000.00} funds from a government-created XXXX XXXX XXXX Account XXXX XXXX XXXX to their account without my authorization and knowledge.
Consumer complaint received 2017-11-09
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BlueChip Financial (OH)

Defaulted on a loan from XXXX. They allegedly turned it over to XXXX XXXX XXXX XXXX ( XXXX ) Phone Number : XXXX. Today I received a call from the XXXX County Clerk of Courts informing me that they were trying to serve me for fraud. The woman gave me another number to call " XXXX XXXX XXXX '' at XXXX. I called there and was informed that they filed a suit against me and that I could resolve it over the phone or they would see me in court. No such case has been filed. I called back and demanded their address to send a request for verification of debt. After arguing with one lady she put me on hold and another gave me their address. It 's the address for XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX FL XXXX. This is an unlicensed attempt to collect a debt. They should be shut down and fined appropriately. XXXX should also be fined for transferring this debt to an unlicensed collector. Also I called the XXXX County number back and it was the car title division XXXX. I informed the lady that either one of their employees was working a side scam or their number was being duped.
Consumer complaint received 2018-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

Hello, I use a fifth third bank account. I use the autopay through my bank ; where every month I go in and set the date of when I would like a check to be sent out automatically through the online portal. 

I had set that the XXXX my landlord would get a check through the online portal for {$370.00}. I canceled that check-called my bank and explained why I was canceling that check because my landlord turned off my water without telling me as I was living in the house. I had no water for a week- causing me to move out and find a new home in a day. 

My bank told me onXX/XX/XXXX when I went to cancel the check that I had more than enough time- that the bank was pulling the check from my account and not to worry about it and that my landlord would not get the check. 

XX/XX/XXXX- the check posted and now my bank will not help me at all causing my account to bounce.
Consumer complaint received 2017-11-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Blitt and Gaines, P.C. (GA)

I have old auto debt from 2007 and my car was voluntarily repossessed. My father was the co-signer and they keep harassing my father. He is not employed. They have filed a judgement against him and they were taking money from his checks when he was working. My father is very XXXX and I am not employed either and Blitt and Gaines continues to harass us by sending us court papers to try to collect this old debt. We do not have this money. They already have the vehicle and have resold it.
Consumer complaint received 2021-08-04
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. (PA)

I've both called and sent letters to all 3 credit reporting services ( XXXX, Transunion, and XXXX  ). I asked if all 3 companies can remove an account off my credit report that was not mines. I never received a response and its been 68 days. I ask if this account be removed ASAP. 

XXXX Status : Closed Date : XX/XX/2018 Price : {$1500.00}
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Model Finance Company (TX)

XX/2015 I voluntarily surrendered my vehicle in question to Model Finance, this is the first thing they are showing incorrectly. Second I was never late on a payment. Third they have sold this account to a collection agency XXXX XXXX XXXX so now Model Finance and XXXX XXXX XXXX are showing on my credit reports. I have disputed this several times through the credit bureau 's and called Model Finance on many occasions to no avail. I 'm not saying its not my account, just one needs to be removed or the other reporting correctly.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE FOLLOWING INQUIRES DO NOT BELONG TO ME This notice is to inform you that the bureaus are unlawfully reporting fraudulent INQUIRIES that arose from IDENTITY THEFT that I would like verified as required by law on my consumer report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15 USC 1681 ( b ) ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : My identity has been stolen you are hereby put on notice. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of XXXX years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. The XXXX bureas have aided this Fraud by not verifying these accounts. Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft.
Consumer complaint received 2024-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

i have been disputing this debt for a year now and sent a letter in to all bureaus in XX/XX/year> requesting that i be sent the original agreement with my signature on it, all they did was update it as accurate but never sent me the proof and in the letter i stated if they can not provide me the proof to delete the collection but it is still there and they are still denying my disputes because company is saying its accurate but never provided proof MIDLAND CREDIT MANAGEMENT XXXX $
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello I am writing this to complaint about Capital One They are showing as delinquent on my credit report. I received a letter from them in XX/XX/2020 stating that they were going to remove the account from my report but they never did. I am in hard financial hardship now and my credit score is very low and I can not rent an apartment just because of that. The thing is that I was victim of fraud, someone in XXXXXXXX XXXX XXXX have been using my credit card and I have never been in XXXXXXXX XXXX  XXXX so I reported that to Capital One and they did not believe me so at the end I still go ahead and pay the charges in the card even after I paid they still reporting my card as delinquent and till this day the account is still showing as delinquent. I have contactef them numerous time and they always say that they're going to remove it but it is still showing till this day. 
I have also disputed it with the credit bureaus please find attached a copy of the results.
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

Chase card company regarding an XXXX account. I am sure I am not the only person being frauded against. I ordered a book which was somehow placed on a credit card. Only {$50.00} was placed n the card. I returned the book And was only given {$30.00} credit. I did not want the credit card. Returning the item unopened should have resolved the issue. It did not. I ended up months later with a bill up to {$400.00}. How is it I returned the item unopened. And continued to be charged. I want it off my credit. And will work on seeking legal action if need. I have tried to communicate with the company but have been refused to find a solution. I want this off my credit. I don't owe them anything. I told them I didn't want the card. I have one secured card with my bank. That's all I want.
Consumer complaint received 2018-03-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Patrick Scanlon P.A. (DE)

I have had judgement against me thru attorney Patrick Scanlon. I have made several attempts to contact his office for assistance. I had completed their financial/income papers and had asking to be able to make a payment arrangement each month and no response was ever received. Recently I have made several attempts to contact his office thru their online portal email site. I received a settlement offer later datedXX/XX/XXXX stating they would accept {$1200.00} to show the judgement as paid in full. The letter states that I have until XX/XX/XXXX to pay in full and accept their offer. I emailed their office on XX/XX/XXXX to let them know that I was borrowing funds and would be accepting their settlement. Several days later I received notification that they have now attached my wages for the full amount. Why would I be sent a settlement letter if they were garnishing my wages? Their letter advises me that it may be worth my while to borrow the funds, which I have now done and then had my income seriously diminished. Why would they have ever sent me a letter recommending me to take a loan while knowing that they were already having my wages garnished. I have been trying to work them to make arrangements, and receive no responses to my emails. I specifically sent them an email to let them know that I was planning on accepting their settlement and when they could expect to receive the funds. Now I am stuck with a loan that I wouldn't have needed to take out, with a very high interest rate, and an inquiry when they knew all along they were going to garnish my wages. This does not feel right. I am aware that I owe the funds which Is why I have been trying to reach out to rectify the situation.
Consumer complaint received 2017-11-09
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. (CA)

Last XXXX XXXX, 2017, I sent this credit repository a letter requesting an investigation on incorrectly reported items on my credit report. Attached to this complaint is a copy of the letter sent to this credit repository dated XXXX XXXX, 2017. I have written several letters to each of the company showing on my credit report requesting for validation and I never received any proper validation document. How can this credit repository report or inform me that these items I disputed were verified when I never received any validation document? It is quite unfair and unlawful for them to be able to verify these items when I do n't receive validation documents on my end. I think this is definitely a violation of FCRA and FDCPA.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/XXXX, I filed a dispute with TransUnion Credit Reporting Agency regarding a loan on my credit report by the name of " DEPT OF ED/XXXX '' showing a balance of {$200000.00}. In this dispute, I reported that this account has been closed and paid in full with XXXX balance. As proof for my claim, I sent verification to TransUnion in the form of my loan statement for this account stating " PAID IN FULL '' and " Current Balance {$0.00}. '' On XXXX XXXX, XXXX, Transunion declared the decision of said disputed loan on my credit report as " Not Changed. '' On XX/XX/XXXX, my loan statement for this account still states " PAID IN FULL '' and " Balance {$0.00}. '' Yet this disputed account still remains on my TransUnion credit report as of today, XX/XX/XXXX. 

I am hereby requesting assistance with getting this DEPT OF EDXXXX XXXX  account, which is closed and paid in full, off of my Transunion credit report as all of my attempts to resolve this issue with Transunion have failed.

Thank you and have a blessed day.

*NOTE : I have a XXXX XXXX and am having difficulty uploading the creditors website page as evidence. I have NO idea how to do this. I've uplaoded an HTML page, a screenshot, and another.
Consumer complaint received 2017-11-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OR)

This file has been going on for a year. The seller has cooperated with XXXX XXXX  who advised me that they had approved the short sale while in the meantime they were working on selling the loan to Rushmore Loan Management show is now managing the loan for XXXX. The seller had a veteran in the home that was at 80 % XXXX and since then has become 100 % XXXX. Rushmore has come up with a value via a bogus BPO that is over {$300000.00} the appraised value. Has proceeded in setting a foreclosure dale date WITHOUT even notifying the seller that there is a date, nor by posting the date as notice to the seller or by denying a foreclosure date every time I call in to speak with a negotiator. Rushmore simply refuses to work on a short sale for this client. Forcing a foreclosure with a veteran in the home, causing further stress to the owners even though the sellers have done everything needed to comply with Rushmore 's and XXXX 's requirements for a short sale. This listing was live on XXXX/XXXX/XXXX and has been sold and transferred so no company takes responsibility for a foreclosure with a veteran and now Rushmore is trying to foreclose without notice? Is this legal?
Consumer complaint received 2021-02-06
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)

Since XX/XX/XXXX and most recently XX/XX/XXXX, Experian has failed multiple times to provide me with the results of their investigation after I asked them to validate the debt with the creditor as they are NOT mine. To this date, they ( Experian ) have used several tactics inclusive of asking me to send them proof that I am who I say I am and accusing me of being a third party to my own information. However, I AM the consumer, and I have sent copies of my DL and SS card multiple times to them. I also feel that Experian is utilizing this practice to circumvent and distract me from the fact the creditors were unable to verify the debt because they are not mine,