davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XXXX XXXX, I bought XXXX Litecoin on Coinbase for {$150.00}. On XXXX XXXX, I bought XXXX Litecoin for {$570.00}. On XXXX XXXX, I bought XXXX Litecoin for {$1200.00}. The total comes out to be {$1900.00}. When I tried selling all XXXX of my Litecoin, Coinbase told me that I had to verify my identity before I could continue. What does n't make sense is that Coinbase sent me an email saying " your identity has been verified '' on XXXX XXXX. I filled out all of the fields correctly and the app said it could not locate my ID and that I had to wait 24 hours to try again. However, after a week of trying to " verify '' my already verified ID, it still would n't let me buy or sell Litecoin. I submitted multiple support tickets and tried calling them, but received no response.
Consumer complaint received 2016-09-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I have been with First National Bank for 30 years. Over the years, there have been a half dozen times I have considered changing banks. Today I resolved to do so. In the latest incident, we deposited a check through the ATM on a Saturday ( XX/XX/XXXX ). Monday morning I checked and saw the deposit was pending. If I had gone in to the bank Monday morning to deposit the check, the funds would have been available that afternoon. As it was explained to me just now, because I deposited the funds through the ATM the previous Saturday, they did not give us credit for the money until Tuesday morning. XXXX or XXXX things that went through Monday afternoon/evening were counted as overdrafts even though there was money to cover them had we been credited with the check. Tuesday XX/XX/XXXX, I got an email about my account and within 10 minutes was at the bank with cash in hand to not only cover, ( because it was already covered by the check from the previous Saturday which had just gone through ) but enough to be nearly {$1000.00} to the good. They still charged me nearly {$200.00} in penalties and late fees. I was of course very upset but the most troubling thing was to come. The manager stood over me with his arms crossed, scowling and repeating the same ridiculously unfair deposit practice over and over as if I was a feeble minded child. At one point, as he remained standing and I sat, he leaned into me. I finally just decided it was not going to be fair regardless and the manager, who obviously held all the power in the situation, literally bullied me out of the bank. Horribly unjust, unfair and intimidating. If I have to pay fees, so be it but as a customer of First National Bank of PA for about 30 years, I did not deserve to be intimidated and bullied.
Consumer complaint received 2021-06-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: First Investors Servicing Corporation, Atlanta, GA Branch (IL)

I recently found some accounting and billing issues and these issues have been reported to all three credit bureaus XXXX XXXX XXXX  and XXXX  XXXX. On XX/XX/XXXX I submitted a partial payment to First Investors Servicing Corporation check # XXXX XXXX XXXX XXXX  {$200.00}. My monthly payment is was not due until XX/XX/XXXX, but to get a jump on my payment since I was granted ( 2 ) month extension due to Pandemic. But after looking at my payment history I noticed that ( {$15.00} ) was applied toward late fees and XXXX {$180.00} XXXX towards interest. How this be when I was granted extension ( see attached PDF ) if you look at XX/XX/XXXX, same time I was granted the extension First Investors Servicing Corporation received a payment for ( {$290.00} ) and that payment was allocated as ( {$210.00} ) towards the principal and ( {$77.00} ) was allocated towards interest. I have not gone over all my payment history but I feels these regularities are part of same issue am complaining about now. Where do the late late payment fee come in at, when I was granted a ( 2 ) month extension? The next issue First Investors Servicing Corporation have notifying the XXXX, XXXX  and XXXX  about my payments as being late even during the pandemic period presently I have ( 19 ) late payment showing on all three credit bureaus report XXXX see attachment ). I usually pay my car not on the XXXX of each month before the next month become is due. I've been assessed late fees just about every month even during pandemic period. This matter needs to be addressed and corrected. When I call and complain they place a notation on my credit report that negative remarks driving my score down. Since XX/XX/XXXX up until now I've lost a between ( 80-90 points ) due to these negatives remarks, after I've complained to First Investors Servicing Corporation. When I speak with the creditor bureaus they can not or willing explain does remarks. but instead advise me to call back to First Investors and they in return can't explain the remarks for the huge drop in my score.
Consumer complaint received 2016-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AP)

Ditech Financial LLC, seems to have creative accounting practices. I had a " Green Tree '' mortgage that was moved over to Ditech due to their legal issues. I have incurred an advanced debt on my account. The debt I was told, occurred in 2011 for property maintenance that was conducted on the home. My account was charged over {$200.00} to cut the grass and various charges that are excessive. These fee 's are very questionable at best! I have called Ditech concerning paying off the debt. I was told to send a separate check with written direction on where the extra money is to be applied too. I have written on the check and the payment coupon on where the extra money is to be applied you. I have done this countless times. They have taken the money and applied it to either my escrow, advanced interest, or in an unapplied balance account. My escrow now has over the amount need to pay my property tax. I pay my own insurance. I also have balance in my unapplied balance account. They never apply the money to the advanced debt. They continually charge my mortgage a monthly late fee and a property appraisal fee.
Consumer complaint received 2015-08-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C. (NJ)

Unvalidated debt reported to credit bureausAfter reviewing my credit report I saw Trident reported an alleged debt without ever making contact with me. They illegally reported unvalidated debt on my credit report. This is a violation of FCRA and FDCPA regulations. If this illegal entry is not removed from all XXXX reports I will take legal action. I do not have an account number as I have had no contact with trident. I do know the balance of the alleged debt is listed on my report as {$40.00} with a date of XXXX 2015 as the date placed for collection. - XXXX
Consumer complaint received 2016-09-28
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Oracle Financial Group LLC. (MO)

This is the number I received and my husband received on his phone from Oracle Financial in New York. XXXX.a man by the name XXXX XXXX he stated. He was going to have me arrested if I did not go in to XXXX XXXX Friday XX/XX/XXXX to pay on my now XXXX pay day loan. He said I frauded them when I took put the loan. I had an account and money going into it. I called back and he did not answer, so I left him a message I would be in Friday with XXXX dollars and XX/XX/XXXX with a XXXX.and pay it off in XX/XX/XXXX. I also told him it was a recorded phone call on my phone and also he was violating the FDCPA by threatening me of being arrested. He said that on his end on the call we received the warrant would be issued this weekend if I did not pay.
Consumer complaint received 2018-03-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (OH)

This account was never billed to my address, I have never used this service, XXXX XXXX never proved that I own this account. I have never received a statement or a bill for this account at my home address. I have never received one document from XXXX XXXX asking for payment for the aforementioned account and I tried to dispute with no avail. I demand this removed from my credit report as there is no proof this is my account
Consumer complaint received 2017-02-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2017 a fraudulent charge was made on my card with Kohl 's for XXXX. After numerous attempts to contact the fraud department to report the charge there is still a remaining balance of {$74.00}, even after returning all the boxes back to the Kohl 's store that were shipped to my home address. There were approximately 11 large boxes of XXXX ordered fraudulently. I 've requested to close my account yet the account still shows a balance. I have not received anything but the runaround from the Kohl 's representatives and need assistance with this matter.
Consumer complaint received 2015-10-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NC)

I had fraudulent activity on my Citi credit card that I disputed in XXXX. I was issued a credit and received confirmation all had been resolved. Then on XXXX XXXX, 2015 I received a letter saying the transaction had been reversed. I immediately called Citi and was told the office that handles disputes was closed and to call back the following day. I did as instructed and called back. The agents I spoke with said the wrong department had handled my dispute originally and that another disputed had been issued with their fraud department and for me to expect a refund in approximately 2 weeks. Well here it is 2 weeks later and still no refund. I called them yesterday and was told that I had 15 days to respond to their letter and since I had not responded the matter was closed and there was nothing I could do. I explaine that I most certainly did call as soon as I revived the letter and the agent at Citi said no I had not and nothing else could be done. She would not allow me to speak with a supervisor so I 'm left no other options at this point other than to seek your help to gain resolution on this matter. 

Thank you, XXXX XXXXXXXXXXXX
Consumer complaint received 2024-02-16
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. (MD)

A XXXX XXXX collection account Amount {$160.00} is reported on my XXXX, XXXX XXXX Trans Union Credit Bureau reports since XXXX XXXX have forwarded a Police Report on Stolen Identity dated XXXX XXXX to XXXX XXXX, but this account is still reflecting on the Credit Bureaus reference XXXX
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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 U.S. Code 6802,15 U.S. Code 6801, 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

The institutions have not furnished all 3 items above required by law. 

15 U.S. Code 6801 - Protection of nonpublic personal information Each of these companies has violated my rights by reporting information to the credit agency, or I will be filing a lawsuit against the financial companies and the credit bureaus for violation of my rights.
Consumer complaint received 2016-05-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Phillips & Cohen Associates, Ltd. (NJ)

I had a vehicle that was repossessed, for failure to make payments as agreed. 
The vehicle was sold by the bank ; but not for the amount in which they were expecting. 
So, they expect me to pay the difference. Now keep in mind the vehicle was taken from me so I feel that all legal obligation to repay the difference is not my responsibility. 
I have a collection company that is hounding me to pay the difference. 
I feel that this is not fair to me, and I refuse to pay the cost.
Consumer complaint received 2018-03-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (FL)

I noticed a collections account when checking my credit report. The company is Diversified Consultants, Inc ( DCI ), found here : https : //www.dcicollect.com, ( XXXX ) XXXX-XXXX I have contacted the DCI, provided my correct contact information and requested a bill. DCI had an address on file that I have not used in about 8years, and was not the one found on any credit report. The company reports negatively monthly to the credit bureaus. I have made multiple attempts to contact DCI via the telephone number associated listed. During one phone call during normal business hours there was no one able to provide any information regarding my account. DCI has failed to attempt any means of communication since I contacted them the beginning of XX/XX/2018. I personally believe that DCI 's practices are unethical. Attached is the closest thing to communication from DCI ... A screenshot from my report.
Consumer complaint received 2016-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (FL)

R.E.S.P.A. QUALIFIED WRITTEN REQUEST Dear Sir or Madam : Please treat this letter as a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). 
Specifically, we are disputing a ) the identity of a true secured lender/creditor, and b ) the existence of debt, and c ) your authority and capacity to collect on behalf of the alleged lender/creditor. Because of extensive criminal activity and fraud in this arena, we require proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. Further, we require proof that you are the entity that has been contracted to work on behalf of the alleged lender/creditor. 
Pursuant to " Subtitle E Mortgage Servicing '' of the " DoddFrank '' Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ), please provide all information requested in the attached QWR ( see attached file ). 
Suntrust Response is invalid and false : " The address XXXX XXXX XXXX XXXX XXXX, CA is NOT and it was NEVER the address for " XXXX ''. Invalid Phone Number. '' XXXX is a DEBT COLLECTOR & a SERVICER. XXXX does NOT ORIGINATE LOANS. 
XXXX XXXX XXXX on Behalf of other investors. 

You should be advised that within FIVE ( 5 ) DAYS you must send us a letter stating that you received this letter. After that time you have THIRTY ( 30 ) DAYS to fully respond as per the time frame mandated by Congress, in " Subtitle 'E ' Mortgage Servicing '' of the ''DoddFrank '' Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ). 

Pursuant to 15 U.S.C. 1641 ( f ) : Please provide the name, address and telephone number of the owner ( s ) of the mortgage and the master servicer of the mortgage. 
You should be advised that Violations of this Section provide for statutory damages of up to {$4000.00} and reasonable legal fees. The amendments also clearly provide that the new notice rules are enforceable by private right of action. 15 USC 1641
Consumer complaint received 2021-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello I called them to inform them that there are multiple inquiries that I do or recognize and they refuse to remove them without a police report and a complaint through you all.
Consumer complaint received 2019-06-03
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. (PA)

I got a recent score of XXXX from Experian which noted that was a decline from " excellent '' to " very good ''. I just paid off a loan much earlier than the due date, and I pay my credit card in full WEEKLY. How can one 's credit score drop with this kind of excellent financial management? This makes no sense at all and is flat out wrong! 

XXXX score is XXXX. XXXX  score is XXXX.
Consumer complaint received 2019-06-03
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. (FL)

These fraudulent accounts are reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (NJ)

Shellpoint Mortgage Company bought my loan in XXXX 2015. They erroneously charged me {$320.00} a month less in escrow each month than was due. Hence, the additional money was being applied towards my principal. Moreover, I now owe {$2200.00} in back escrow. This is a large sum of money even when spread over 12 - 36 months. To take one year, from time of assumption, to do an " escrow analysis '' is an absurd amount of time.
Consumer complaint received 2016-11-03
Product: Credit card — 
Issue: Bankruptcy — 
Company: REGIONS FINANCIAL CORPORATION (GA)

The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. The date of first delinquency for this account was XXXX. Therefore, this negative event despite being included in chapter XXXX bankruptcy has met the 7 year reporting time frame to all XXXX ( XXXX, XXXX, and XXXX CRA ).
Consumer complaint received 2021-04-22
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. (IL)

I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists and also Please remove all fraudulent accounts as I have no knowledge of them. Due to the XXXX data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.
Consumer complaint received 2016-10-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank Of America did not notify me prior to placing hold on my account. They were served a Levy on XXXX XXXX, 2016 same day my funds were placed on hold, my only income ( pension ). I was not notified by the collector Levy was mailed to me same day. I am almost XXXX years of age worked hard all my life, until I had to take early retirement due to illness. This has placed in hardship with overdraft bank charges. I have filed complaint against the H.O.A. as well through this system.
Consumer complaint received 2017-02-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

This to add to my Case number : XXXX When I applied for the all XXXX loans with XXXX/ Navient at the time. The Loans were called student signature loans. When signing these documents electronically the interest rate was not given nor did I know if it was variable or fixed rate. If you look at the application I gave plenty of time for the lender before I was to start college. The lender did not give the truth in lending or disclosures until two weeks after I was in college so that I could not withdraw from college because of a high interest rate. I would have not gone to college if I knew it was a 14.375 % the last year of college. 
Then Navient gave federal XXXX discharge paper work. When I was not eligible for this. Then put my on interest only payments knowing this would hurt me in the long run using my only option. Then when the interest only term was done. Navient made my term from a 15 year term to 5 year term. Which double my payment. Then they tried telling me that I could use forbearance if i could not make the payment making things much worse. There is also a {$50.00} fee for this as well. These were many different ways that this lender tried making me default on all three loans that I had with them. These are all forms of UDAAP violation. Then on XX/XX/2017 I requested all documents on my file with Navient which I have not received yet.
Consumer complaint received 2021-04-22
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: Consumer Portfolio Services, Inc. (GA)

These accounts have been transferred or sold. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to to report with profit loss write off. I am formally requesting a copy of any documents, bearing my signature, showing that I have a legal binding contractual obligation to pay you, I am requesting you to sent the wet ink contract bearing my signature.