davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

I have an account with Coinbase that I used to buy XXXX XXXX. I have now sold my XXXX XXXX  and am looking to withdraw my funds. To do this Coinbase have said that I need a verified bank account ( I used a debit card to deposit funds ). I followed the verification process and on XX/XX/XXXX I  deposited the amount of XXXX from my bank account with the requested reference. Coinbase state that payment methods are verified after 2 days. Mine has still not been verified and the Coinbase Support are not responding to my enquiries as to what is going on. Essentially my money is being held hostage. Please help!
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (WA)

The two derogatory accounts have both reported incorrect information about my accounts to the credit bureaus. The XXXXXXXX XXXX  Account has reported incorrect amounts, payment history and information on the account. The XXXX collection company has reported an incorrect amount as well as personal information. Through prior credit repair I was able to remove them off my credit report ( I have attached proof of removal below ) but they have recently shown back up only on my XXXX report and I would like removed again and permanently from all three credit bureaus. 

In accordance with the Fair Credit Reporting act XXXX XXXX Acct. # XXXX, and XXXX XXXX Acct. # 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 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2017-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

After completing the modification program with ocwen from XXXX to XXXX and continuing to make monthly payments to the present day, ranging from {$1100.00} thru {$1000.00}. Ocwen attempted to foreclose on our property during this process by hiring the XXXX XXXX in NY. The Ombudsman officer at Ocwen sent us a letter in XX/XX/XXXX admitting fault on behalf of his company. While we continue to make our monthly mortgage payment, Ocwen has added a {$3000.00} legal fee to the monthly mortgage statement, and disguised it as a late payment. On top of this, Ocwen has added over {$50000.00} of other fees to our statement principle during this modification process. They can not produce the original note trail or title, to this property. They have also engaged in double tracking. They have also connected us to over sea 's operators in XXXX after we have requested on several occasions for them not to do so.
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIBANK, N.A. (TX)

Cbna or Sears I 've never applied for any type of credit check or whatever this is I signed up for. I 've never been to a Sears in my entire life
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I XXXX XXXX entered a consumer credit transaction with PenFed Credit Union on XX/XX/2021 in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. PenFed Credit Union overcharged me and violated my consumer rights.
Consumer complaint received 2022-03-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NV)

I created a chime account on XX/XX/21 and received a transfer of XXXX dollars from my mother 's account. Two days later my chime account was suspended. I emailed Chime 's customer service and they told me to send my ID, social, and security. I sent all the documents but they wouldn't accept my proof of address. I am only XXXX XXXX XXXX and don't have any bills. I emailed them back to ask what documents would work and tried to send new ones but they have stopped responding. I have been persistentally sending emails and calling customer service for the last two months and no one has been able to help me. I would Iike for my account to be re-enabled or have my money sent back to me immediately.
Consumer complaint received 2019-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (AZ)

I purchased a home in XXXX for {$360000.00} and believe I might be the victim of a predatory loan. The loan term was set up to be " interest only '', so making the monthly payments was not an issue in the beginning. I planned on selling the home when the value of the property increased, however, that never happened and the property value dropped significantly ; I became " underwater '' in my mortgage. 

I became XXXX a few years ago and my loan switched to non-interest only my house payment nearly quadrupled. PHH Mortgage was in no way willing to help me avoid foreclosure when I started falling behind on my payments. After much frustration I was able to get assistance from a government approved mortgage counselor in order to stay in my home and make the payments for a year. 

Unfortunately the assistance in which I was receiving from the mortgage counseling service has ended leaving me to fend for myself with PHH Mortgage. I've tried repeatedly to talk with someone at PHH Mortgage about a loan modification and they refuse to call me back or give me any type of assistance as a customer. I've called them no less than 15 times from XX/XX/XXXX - XX/XX/XXXX. They either put me on hold for hours until I finally give up or when I was able to speak with a person was told they could not help me and that someone else would call me back which they never once have done. 

I'm in a dire situation and PHH Mortgage refuses to help. I'm desperate to get my loan modified so I can remain in my home and not become XXXX. I can not pay the unreasonable amount that PHH Mortgage expects due to their predatory lending practices, total disregard/lack of customer service, and my current circumstances. The bottom-line is that PHH Mortgage could care less how financially ruined a customer becomes due to their ignorance.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Inaccurate information on credit report. 
XXXX XXXX  Open date XX/XX/2007 Balance {$19000.00} Inaccurate name on credit report. 
XXXX XXXX Inaccurate address on credit report. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Inaccurate phone number on credit report. 
( XXXX ) XXXX, ( XXXX ) XXXX
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2019 I attempted to dispute a fraudulent credit card account on my credit report with TransUnion. Yesterday I was notified that I am being sued by a collections agency for the outstanding balance on the fraudulently opened account. TransUnion did not investigate the disputed account and did not notify me that they were not investigating my dispute.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to dispute a hard inquiry listed on my credit report that I believe is inaccurate and unauthorized. The details of the inquiry are as follows : Creditor Name : BANK OF AMERICA Inquiry Date : XX/XX/year> I did not authorize this inquiry, and I have no record of any recent application or credit request with the mentioned creditor. As such, I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report. 


I understand that, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days. I request that you conduct a thorough and timely investigation into this matter, notify me of the results, and make the necessary corrections to my credit report.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I Recognized fraud inquiries on my account, and would like them removed. I have filed complaint with Identitytheft.gov and have recieved FTC report. The following inquiries are from equifax, and XXXX. 

Equifax : XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX : XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2021-02-06
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: EQUIFAX, INC. (TX)

I have contacted Equifax and XXXX XXXX XXXX several times. I was asked to submit lease, utility bill, and identification to prove that I didn't open an account. The address that the card was sent to is not my address. My lease states that I have been in my current location since 2016. I want this information updated It is unfair to me to have inaccurate information on my credit bureau.
Consumer complaint received 2017-11-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX, XXXX made a charge to my Wells Fargo debit card in the amount of {$340.00}. This was not credited to my XXXX account ( my XXXX account has been up to date for over a decade and belongs to one house in XXXX, Georgia -- the charge on XXXX/XXXX/XXXX was from XXXX in XXXX, Florida ). I called XXXX on the XXXX ( and the charge was still " pending '' in my account ) and the person on the XXXX line said they could not find the charge in any of their systems, and I needed to call my bank. I called Wells Fargo the same day, and told them it was an unauthorized charge. They said they would start the charge dispute process and get back to me. On XXXX, I received a phone call and a letter from the Wells Fargo dispute center saying they needed more information, so I called them back. The lady on the phone at that time said thew dispute claim was brand new as of the XXXX ( she could find no record of my original call on the XXXX ), but they had given me a temporary credit. The claim number was # XXXX and they listed the cause as " charged wrong amount '' which I told them was incorrect. I should not have been charged at all on that date. The wells fargo representative then told me she would investigate and get back to me. Less than a month later, I received a letter from Wells Fargo saying they did not receive the information they requested from me ( which I do n't understand because I talked to a representative in person and she said she would proceed with the investigation ), and they were taking the credit to my account back because they found the charges were made by me or someone with my permission and to consider my claim closed. I can assure you I have n't made a false claim accusation in the past decade as a loyal wells fargo customer and no one had my permission to use my card for a Florida XXXX account. The fact that a company that literally stole and abused the identities of thousands of their own customers would call me a liar is inexcusable. I want other people to know the kind of abuse that they will be subjected to when they just expect their bank to do the one primary job of protecting their customer 's money.
Consumer complaint received 2017-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (SC)

I signed up for the PSLF plan 7-8 years ago and have been paying monthly since. The loan has been transferred from Direct Loan to XXXX to FedLoan Servicing and my payments have toward my XXXX have not be recorded. On my current statement, I noticed that I have made 0 payments toward my XXXX, so it looks like they do n't even have me in the program. I called several months ago and was told that this information would be collected and updated. I have not heard back from them. I 've been paying for almost 8 years and my balance has increased due to interest and the payments have not been recorded. Any help would be greatly appreciated.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance to the credit reporting act, this creditor has violated my rights under 15 U.S. C. 1681 section 602 states I have the right to privacy15 U.S. C. 1681 section 604A section 2 it also states consumer reporting agency can not furnish an account without my written instruction under 15 U.S C. 1666B a creditor may not receive a payment on a credit card account under an open end consumer credit card as late for any purpose.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I have been trying to correct this issue for several years now. It is My understanding that the reason I have never had a credit score is due to the information that was reported at some point in time by an unknown source, to the Credit bureaus, stating I am deceased. Unfortunately I have no information that pertains to this matter, leaving me without a score even though I have 1 unknown delinquent account that for whatever reason I am not able to get corrected by Experian, as I have disputed this twice now and both times Experian provided no resolution or anything other than I can no longer dispute it after 2 attempts. I have 1 credit card that is my husband 's account with me as authorized user in order to generate history and a score. No score is negatively affecting me and being deceased is the only option left. However it does not show me who or how to fix. Please help
Consumer complaint received 2017-11-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (MN)

I had opened a XXXX account when in a Chapter XXXX bankruptcy in XXXX 2017 I had to convert to a Chapter XXXX by no choice of mine but due to a mortgage company not being able to do a modification. I understood that while I was going through the chapter XXXX the accounts would be frozen from charges but not from making payments. so I continued to make the payments. I was then told in XXXX to send over discharge to evidence none of the accounts were included in the bankruptcy. which I did and was able to use account and even received credit line increases. I went to go make a payment on the XXXX account and was told it was sent to collections because of the bankruptcy conversion. when I called to discuss and explain to them that they had requested I fax over the discharge paper in XXXX to open the accounts again I was told all my accounts would have to be closed due to conversion. Why ask me for discharge to evidence that the accounts were not included if you were going to close the account. I have used the account since bankruptcy and it was 10 months ago so why such a lag? I feel the accounts should be open and be able to be used as I have been making the payments on them since conversion and some of the accounts were paid off during that time.
Consumer complaint received 2017-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

I opened a Discover Secured card back in XXXX of XXXX. It 's now XXXX of XXXX. They advertise that their secured card will become able to unsecure after 7 months, and tell you the same thing over the phone, however in the 16 months I 've had the card, the past 9 I 've been waiting for the card to unsecure. Keep in mind, the only time I made a late payment ( less than 30 days ) was in XX/XX/XXXX - When I lost my car and almost everything I owned in Hurricane XXXX. When I called the company they told me that there was nothing that they could do, no tips they could give, and that the only option I had was to cancel the account - Which would take almost three months to do. 

The reason I signed up for the card was because I was under the impression that it would eventually unsecure. Now I 'm stuck with a tiny, low-balance credit card that refuses to unsecure, and closing the account would probably tank my credit, as it 's one of my oldest cards. This is absolutely unacceptable ; Discover is basically holding my credit hostage after lying to me about the benefits of their card, and there 's nothing they will do to help, nor is there anything I can do. 

Do NOT get a secured card from Discover. They do n't give a XXXX about you, and will lie, lie, lie to get you on the hook.
Consumer complaint received 2017-11-10
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. (GA)

I have tried several times to get an accountXXXX XXXX XXXX XXXX and XXXX XXXX removed from my credit report. I am not the owner of this account and have sent letters several times disputing this inaccurate information. The reporting company just keep sending a statement back saying the information has been " verified and updated ''. I have requested the description of the procedure used to determine accuracy to no avail. I have been battling this problem for 90 days now. I need any help that can be provided. 

Kindly, XXXX XXXX XXXX
Consumer complaint received 2019-10-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: APO LLC (IL)

I was approved for a loan on XX/XX/XXXX of {$400.00}. My 1st payment was due XX/XX/XXXX. Prior to that date I opened a new checking account and they are one of several creditors I forgot to call to update my new banking info also due to me being out of the country I was not able to contact them. On XX/XX/XXXX, 4 DAYS after a missed payment I received a text threatening to garnish my wages which is a violation of UDAAP act and FDCPA laws. On XX/XX/XXXX my payroll received a garnishment order from Advance Paycheck to withhold 15 % of my wages every pay period. The notice sent to my employer states I received a copy of the writ order which is very misleading. Where's the court order, validation, copy of notice ( when was it sent and to where? ). Advance Paycheck NEVER sent me a notice or a copy of the garnishment allowing me to respond not resolve the debt nor have they called me. My wages are now being garnished which has caused a hardship because I haven't had prior notice in order to make arrangements. Please help
Consumer complaint received 2020-10-20
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

My account Payment History from  XXXX  was disputed, as it was erroneously reported that I was 90 days late. I wasnt 90 days late, as I was in forbearance. I sent in evidence and you confirmed w/ the  XXXX , that my account was in forbearance AND not 90 days late. Attached are screen shots from my credit report today and that on   XX/XX/XXXX . Notice  the missing payment history.   XXXX  Please correct my payment history that was removed. Payment history is 30 % of my  credit score a nd its accuracy is most important. Payment History from   XX/XX/XXXX   and  XX/XX/XXXX  is missing!
Consumer complaint received 2019-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

XX/XX/2019 I made 2 check deposits through the mobile app for fifth third bank. The 1st check was immediately available, in the amount of {$180.00}. The second check, in the amount of {$850.00} was placed on hold for 7 business days and no funds are available. Even after 1 business day, the first {$200.00} is not available. From my understanding about federal law, deposits under {$5000.00} are required to have {$200.00} available the next business day. I have contacted several people by phone, and even visited my local branch with no resolution.