davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have complained about this for more than a year, and Equifax has done nothing to update and correct the ridiculously fake address and the old, outdated phone number, inside the " Personal Information '' section of my credit report. Equifax is posting an address of XXXX, TN, where I have never lived, and never done business in. I looked that address up online, and it is an address of a mental health institution. I am ready to sue Equifax because of the fraudulent, slanderous address situation. Also, Equifax refuses to update the Fraud Alert section of my credit report. The Fraud Alert has an old, outdated phone number from 15 years ago. Equifax refuses to remove the outdated phone number. Another complaint is that while I have only one ( 1 ) physical address and move frequently, Equifax has posted a long list of physical addresses, as if all those addresses are pertinent and accurate. None of the addresses inside the Personal Information section of my credit report are correct, and one of them, the XXXX address, where I have never lived, is particularly disturbing, and outrageously, ridiculously fake and false. It is never correct for my credit report to state that I have more than one physical address, since I never use more than one physical address.
Consumer complaint received 2019-08-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

Despite multiple requests, PHH has failed to provide the contact information for the investor of our loan. PHH has violated RESPA and continues to provide conflicting information around our request for assistance. We have been going through this process for almost two years. No one is hearing our side of the story.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (NY)

Ok i was promised a settlement of XXXX to XXXX to settle my debt of XXXX their fees included now they settled one card with their fee it comes out to XXXX dollars that's no where near what They promised me/imagine when they settle the other 2 cards how much will it be and at the end of the program id probably end up paying XXXX dollars when i caught on to the scam after 9 months i asked for a refund because i was mislead they kept XXXX and now i have XXXX left in their account and they want to keep it as well i no longer want to continue the program im not in a contract and would like a refund they denied it so now im XXXX down i want a full refund Nd i want to warn everyone about freedom debt relief they tell you one thing and on the disclosure its something else i work hard for my money and they took advantage of someone looking for a way out of debt
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Years ago ( approximately 10 ), I applied for and received a credit card. The card was paid as agreed. I got married and notified the credit card company of such letting them know my name was now " XXXX ''. Unfortunately, when the card arrived, it read, " XXXX ''. I called the company and asked that it be fixed. I was told they couldn't do that and that I would have to answer several " personal '' questions before they would discuss it further. While I was willing to answer and personal question they may have, I was not ( and still would not ) answer the questions they posed : " Name one of your next door neighbor 's last name, '' " What is the first name of your neighbor living at xxx XXXX XXXX, '' etc.. 
These questions were about others and not about me and I'm not willing to disclose other people 's information. Therefore, I paid off the card and then cancelled it stating the reason why. Unfortunately, this has not been the end of the story. XXXX has continually refused to report my last name correctly on my credit report. It is listed as XXXX, which precludes me from ever getting a free credit report or speaking to anyone at XXXX because the information I insist is correct ( and is ), they say is not. I have notes dated XX/XX/18 @ XXXX XXXX that I spoke with XXXX, an Equifax rep via TrustedID at XXXX. I explained the issue and that I could not get online with Equifax due to the surname issue. She said she would correct it and change it to the corrected surname of XXXX and that she would also include a consumer statement. The Confirmation # XXXX. Needless to say, this is still not done and I can not get onto anything related to Equifax ( I no longer have access to TrustedID ). Please make them change my last name to the proper spelling and REMOVE all references to the incorrect spelling.
Consumer complaint received 2019-08-13
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. (MN)

I owed money for an old bill and it was taken over by a collection agency XXXX XXXX. It was on all three of my credit reports. I disputed them all and XXXX XXXX removed the debt from XXXX and XXXX but will not remove it from TransUnion. I keep filing dispute which they deny. I called he company today and asked for explanation as to why they would remove debt from two out of the three but leave on one. Its the only thing preventing me from getting my first time home owner loan in the spring.
Consumer complaint received 2020-11-04
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: Experian Information Solutions Inc. (NC)

I have attempted numerous calls with the credit bureaus in attempt to remove collection accounts which were a result of identity theft. I have submitted my identity theft report from the FTC about 8 times in the last two days. Each time I call they advise that they have not received, but on the website, it advises that information uploaded will be received the same business day. I have requested another form of expedited uploading, such as email or fax and they advised that the only way is US mail or upload through the site. They will not remove the collection accounts, despite me advising them I have an FTC report for identity theft.
Consumer complaint received 2019-08-13
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Management Recovery Corp. (NMRC) (CA)

A couple of months ago late XX/XX/2019 while at work I recieved a very threatening phone call from someone named XXXX who said he was representing a law firm and if I didnt pay him a couple of thousand dollars today that he already had agents outside my home to get me. I was alarmed and tried to find out what was going on. He informed me i owed a debt to XXXX XXXX XXXX. I called XXXX XXXX XXXX immediately and was informed a debt collection agency had taken over. I called them imediatly and worked out a payment plan. Ive made two payments so far. Ive tried to contact them to tell them debit card I was using to pay was closed dou to fraud and have had no calls returned by them. Finally today XX/XX/2019 i recieve a threatening very aggressive call from XXXX again playing the same routine! After explaining that i tried calling them multiple times he informed me that I now owe even more debt then the payment plan I had agreeed to with another staff member. He was rude, threatening and aggressive and belittled me and eventually hung up. Im concerned our original deals terms will keep changing and they have not given me any paperwork. Im concerned before I pay anymore money that these people honor what we agreed upon. Also when I asked to speak to who I had made deal with I was told hes on vacation. Please help this XXXX guy has been scary to deal with
Consumer complaint received 2017-12-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OR)

On XX/XX/XXXX, I sent XXXX Bitcoin Cash to Coinbase witht he intent to sell it into my USD wallet. Coinbase accepted my transaction, but when I went to sell the BCH moments later it would not allow me too, citing that it was disabling buys and sells. I signed up for updates to the problem, but never recieved any updates, and watched my account value drop by over XXXX dollars. I never found any updates by coinbase that buys and sells were working again, but just kept trying, and was successful on XX/XX/XXXX, late in the afternoon. On XX/XX/XXXX, I bought Litecoin on coinbase, and tried to sell 5 minutes later, recieveing the same disabled notification for buy 's and sells, citing volume.

Coinbase is systematically ripping people off, and should be held accountable for their inability to protect our funds and function when it benifits the users that trusted them. Currently, coinbase only seems to funtion or fail when it benifits them, and the trend is consistent.
Consumer complaint received 2019-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (TX)

Debt originally with XXXX at XXXX XXXX, my former apartment complex in XXXX XXXX, TX from XX/XX/XXXX to XX/XX/XXXX. Allegedly owed {$160.00} despite never being informed through any communication, either directly to me or to my submitted forwarding address that I provided before moving out.

It was not until XX/XX/XXXX that I was contacted by Carter-Young, a debt collection agency to whom XXXX at XXXX XXXX sold my alleged debt, with an itemized bill of charges. This amount was also already reported to XXXX in XX/XX/XXXX.

This is in direct violation of Texas Property Code 92.110 ( a ) which states that : " If a security deposit was not required by a residential lease and the tenant is liable for damages and charges on surrender of the premises, the landlord shall notify the tenant in writing of the landlord 's claim for damages and charges on or before the date the landlord reports the claim to a consumer reporting agency or third-party debt collector. '' Site : XXXX XXXX XXXX They sold my debt before I was ever informed of my alleged debt, and even reported it on my credit before doing so. I was never contacted directly by XXXX, only by Carter-Young in XX/XX/XXXX.

Because they violated Texas Property Code 91.110 ( a ), whatever debt I allegedly owed should be forfeit and therefore erased from my credit history. I can provide proof that a deposit was not required for my lease ( I wrongly believed I had given them one, so Carter-Young informed me by mail that this was incorrect ), and that my bill sent by Carter-Young is dated XX/XX/XXXX, 11 months after my lease termination.

I have attached the Carter-Young statement from XX/XX/XXXX and a photo of a letter sent from Carter-Young relaying a statement from XX/XX/XXXX indicating that there was no deposit required for my lease.
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (AZ)

We paid off two mortgages on XX/XX/XXXX to AIM loan. There were outstanding escrow balances of {$1600.00} and {$1500.00}. When the amounts were not received, we called AIM loan in XX/XX/XXXX. We were informed that the checks had been sent to an obsolete address ( we had sold the house to which they were mailed in XXXX ) and no action could be taken until 30 days from that time had passed. We called back in XXXX and were informed that we had to submit a change of address in order to receive the checks. The change of address was submitted and approved and on XX/XX/XXXX were informed that the change of address was complete and that the two checks would be sent after 7-10 days of processing time and then mail time. ( See attached email. ) When the checks never arrived, we called again in late XXXX. The customer service agent again promised these checks would be sent, but refused to promise a time frame. It is now late XXXX, more than months after payoff, and AIM loan has still not sent us our outstanding escrow balances.
Consumer complaint received 2019-08-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NJ)

Coinbase Case XXXX On XX/XX/XXXX, An unauthorized purchase was made on my Coinbase account after apparently being hacked. This was in the amount of XXXX Bitcoin or {$24000.00}. As soon as I noticed that same night, I contacted my bank and coinbase. After my bank reversing the transaction ( I obviously can not afford $ XXXX as my bank account is around $ 1k ) Coinbase informed me that my account was going to be locked and investigated. Keep in mind, I had north of {$1500.00} in crypto on that account that I had been saving up for months. After waiting for weeks, calling everyday to no avail and emailing back and forth, I was greeted with an email saying that I was gaining access back to my account after deeming the transaction was unauthorized. I was happy for a total of one minute until I logged in to see that my account had been drained to pay off the debt of the unauthorized purchase. Those XXXXbtc were purchased at a higher price-it dropped-and coinbase left me on the hook for something I didnt even purchase. Now my account shows {$0.00} in crypto and around {$3000.00} in debt that is required in order to even use the account. Im a small customer and used this site to build my savings slowly. I would never purchase nearly 25000 dollars for anything with my current financial status. The purchase was totally uncharacteristic and unlike any of my many other purchases and shouldve raised a red flag but instead Im left with debt for something I played no part in.
Consumer complaint received 2018-07-27
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)

To Whom It May Concern : I received an alert from XXXX, Equifax and XXXX  about an account being reported by XXXX. Please be advised I have requested validation { not verification } of an item reported to XXXX by XXXX. I have received a response that clearly violates my rights according to HIPPA. XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Consumer complaint received 2017-12-20
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: NCB Management Services Inc. (TX)

NCB management services is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw XXXX. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but NCB management insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked NCB if XXXX verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. XXXX violated my rights by opening an account without verifying my identety.
Consumer complaint received 2021-05-05
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: Experian Information Solutions Inc. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2018-07-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maury Cobb, Attorney at Law, LLC (IL)

On XX/XX/2018. I noticed on my credit report that I XXXX Collection Agency placed a XXXX collection item on it. I then filed a complaint against them through your office complaint no : XXXX. Stating that I received something from an attorney and I didn't know who the attorney was. I RECEIVED the notice on XX/XX/2018. Advised in that complaint that in the attorney 's notice it stated that I had 30 days to dispute the validity of the debt and to request verification. However, I was never given that from XXXX Collection Agency before placing item on credit report by the company the law firm is representing as a collection item. 

On XX/XX/2018 I followed up with the number on the notice received from the attorney office. The name of the attorney office is Maury Cobb Attorney at Law, LLC. This attorney office is represents XXXX collection accounts. The date on the notice was XX/XX/2018. When I spoke to a representative not a legal representative, but works at the office. I told him per notice that I was disputing the validity of the debt. I explained that the collection Agency XXXX put the account as a collection item on my credit report. The representative stated that their firm MAURY COBB ATTORNEY AT LAW didn't add the collection account to my credit report the Collection Agency XXXX did. I stated that the same account that they are asking me to dispute within 30 days for validity, was being placed on my credit report ALREADY as a collection item. 

I asked is XXXX, XXXX and your firm all connected to the same account. The representative said yes!!
Consumer complaint received 2017-12-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I am an XXXX citizen, and I have a complaint relating to Coinbase. 
The problem started when I decided to withdrew my money, XXXX euro. It was on XX/XX/XXXX. I paid a fee of XXXX euro, so I have to receive XXXX euro via XXXX transfer. On XX/XX/XXXX, they put my withdrawal on " Pending '', and I did n't received my money. I asked them information on XX/XX/XXXX, and I received only an helpless computer answer. I wrote again to ask information on XX/XX/XXXX and XX/XX/XXXX, without answers. Today XX/XX/XXXX, I fear I am loosing my money so I 'm searching for help