davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

Dear XXXX ( XXXX ), I requested PMI cancellation from my mortgage server, Loan Care, and paid for an appraisal ( {$390.00} ). The check was mailed on XXXX/XXXX/XXXX and Loan Care deposited and credited the money on XXXX/XXXX/XXXX. After that point, Loan Care failed to order the appraisal and their PMI department refused to speak with me on the phone or via electronic written communication. I attempted to contact the Loan Care PMI department on the following dates ( XXXX XXXX XXXX ) with no progress : - XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX : XXXX and XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX, XXXX, and XXXX- XXXX/XXXX/XXXX XXXX and XXXX XXXX tactics delayed the appraisal required to remove the PMI to XXXX/XXXX/XXXX and has delayed removal of the PMI, costing {$160.00} per month. The delays in preforming the appraisal is indicative of acting in bad faith not in the spirit of the Homeowners Protection Act, 1998. 

The appraisal have been completed and I have made a written request for a copy of appraisal and removal of the PMI on XXXX/XXXX/XXXX. 
Loan Care again refuses communication. 

I desire the following results : -A copy of the appraisal report-Reimbursement the additional month 's cost of PMI ( {$160.00} ) incurred due the delays and repeated communication failures-Removal of the PMIMany thanks in advance for help you can provide.
Consumer complaint received 2015-09-13
Product: Credit card — 
Issue: Late fee — 
Company: REGIONS FINANCIAL CORPORATION (NC)

BP BUSINESS SOLUTIONS MASTER CARD- You can only receive your bill electronicallythe bill arrive on the XXXX and must be paid by the XXXX ( only 13 days ) If you have a Mac & use Safari You ca n't pay online anymore - Their IT dept disabled this option for Mac users. XXXX XXXX sent my Bill Pay payment on the XXXX. BP could n't process payment or put my payment of XXXX on another persons account. They did n't process my payment until XX/XX/XXXX on XX/XX/XXXX they charged me XXXX for a late fee for the remaining balance of XXXX plus they are charging default int fees of XXXX & XXXX & on XX/XX/XXXX they charged me XXXX for a late fee for the same issue
Consumer complaint received 2022-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (IL)

I have held an account in Coinbase and Coinbase Pro for 3 years. 

In XX/XX/2022, upon logging in to Coinbase Pro, I received a message that Coinbase Pro is being phased out and that I should tranfer the funds to Coinbase. Upon doing so, I received an email on XX/XX/2022 titled " Your account is being reviewed '' by Coinbase, which advised that " Account reviews usually take a few days. During this time, you wont able to trade crypto or withdraw funds from your portfolio. '' Upon logging in to Coinbase, I was prompted to perform an " enhanced due diligence '' verification due to the " high volume of transactions '' ( despite having made 1 transaction in 1 year ). I performed all requested verifications, but my account remains on hold. When I login to Coinbase, a banned message appears : " Account under review - Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status. '' Coinbase is abusing the enhanced due diligence process to freeze funds and prevent withdrawals, because they are faced with a liquidity crisis. I am being unlawfully prevented from accessing my funds by Coinbase.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This is a formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you as no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and XXXX be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.
Consumer complaint received 2020-10-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (CA)

Morgan JP Chase, has failed to provide vehicle title greater than 30 days. per regulation : CALIFORNIA An effective transfer requires endorsement and delivery of certificate of ownership by transferor to transferee and delivery by transferee of the certificate to the DMV, with proper transfer fee and application for transfer of registration, within 10 days of receipt by the transferee. 


I called the bank and sent the necessary paperwork. They said they would look into and have failed to respond.
Consumer complaint received 2017-10-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (IL)

My mother in law ( XXXX ) and me had purchased one condo each in XXXX, IL in XX/XX/XXXX. Financed through XXXX XXXX XXXX.They had a loan officer with a desk in the condo sales office. We financed through National City because we felt they did the due diligence research before offering loans for this condo development. It is highly unlikely the loan officer did not know fraud was taking place. He was in the office throughout the sales pitch and he was present at our escrow closing.
Due to Developer committing mortgage fraud, many buyers were foreclosed on and prices plummeted causing losses for us in excess of $ XXXX each. My mother in law is attempting to short sale her unit. 

I have attached the Federal Government charging the Developer and 5 of his accomplice in XX/XX/XXXX with 30 counts of fraud, making false claims and promising unsustainable incentives. One of the accomplice has pleaded guilt ( attached ) to lying to banks and mortgage companies about over 50 % of the units were sold to assure they would offer loans. We should have never been approved for a loan.
Consumer complaint received 2015-07-17
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: GOLDMAN SACHS BANK USA (PA)

I attempted a transfer from GE Capital Bank to another financial institution on Saturday, XXXX XXXX, 2015. I received a confirmation and GE Capital failed to contact me on Monday, XXXX XXXX, 2015, to inform me of an unsuccessful transfer. This failed transfer caused a check made out to the IRS to be returned for insufficient funds. The IRS penalized me 2 % on the amount due and 3 % interest. 
I received the attached letter from GE Capital acknowledging their error. The person writing the letter XXXX XXXX, Compliance Dept, XXXX UT Tele : XXXX.
Consumer complaint received 2016-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (NV)

I placed a dispute on a XXXX bill from 2014. On my XXXX credit report it says Closed report :, Collection account information disputed by consumer meets FCRA requirements. However when I look at my XXXX report they still have the account as opened. I called the collector of the account EOSCCA they are the fourth party to own the debt.
Consumer complaint received 2020-10-17
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 have a unauthorized account on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed.
Consumer complaint received 2016-06-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was called on my cell phone four times asking for payment for my Kohl 's charge which was discharged in bankruptcy XX/XX/2015. I had referred them to my attorney, yet I am still receiving phone calls asking for payment.
Consumer complaint received 2015-08-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Focus Holding Company (OH)

I had a balance with XXXX XXXX and paid it but Focus receivables management continues to call and does not remove the item off my credit report and it is causing a negative mark on my report.
Consumer complaint received 2024-05-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

Mon, XX/XX/XXXX : I saw on my co-worker 's ( XXXX XXXX XXXX ) XXXX page that she has a used car for sale. I contacted XXXX XXXX XXXXXXXX regarding possible purchase. I wanted to check out the car on Saturday. Was told that it was a friend 's car and friend requires {$500.00} down payment to hold until Saturday. Money was requested via Venmo. I sent the money thinking this is a co-worker ( XXXX ) I know well, and I reached out so it is safe. Tue, XX/XX/XXXX, I received more messages on XXXX requesting an additional {$500.00} as they ( " XXXX and friend '' ) have an appointment to service the car and wanted me to be happy with my purchase. I declined stating I will test drive car as is and if I agree to purchase, I will accept any maintenance needed. Person kept pressuring me and that's when it dawned on me that something was not right. I reported to Venmo that evening, a report was taken, and I was told it would be escalated. I then messaged the person back stating I've changed my mind and want my {$500.00} refunded. Person agreed but then the refund turned out to be requests for even more money ( {$800.00} ). I stopped exchanging messages after Tuesday evening. I contacted Venmo Wed ( XX/XX/XXXX ) morning and share with them about the emails. Since XXXX evening, the person continue to try to engage me via XXXX messages through Wednesday. On Thur XX/XX/XXXX, my co-worker ( XXXX XXXX XXXX XXXX was back at work, I messaged her and immediately she told me her XXXX was hacked in XX/XX/XXXX. She filed numerous reports to XXXX and they still would not take down her page. She also filed an Attorney General 's fraud complaint and was told nothing can be done. Venmo meanwhile, sent me an email Thur XXXX stating there is nothing they can do and I need to pay them the {$500.00} ( I had contacted my bank Tuesday XXXX and put a stop payment on this transaction ). I have copies of the XXXX exchange, scam emails requesting more money, and Venmo emails if needed.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Please see this letter as an immediate request to reverse ( 2 ) inaccurate late payments from my credit report. I recently reviewed a copy of my credit report. I am concerned because there is information listed that is inaccurate. I check my credit report often because I know how important having good credit is. Any information reporting on my credit report by law must be validated, verifiable if not, that information must be removed or corrected from/on my credit report.

THIS IS VIOLATION OF THE 15 U.S. Code 1681a- Definitions, rules of construction | U.S Code | US Law| XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 15 U.S. Code 1681a- 2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Prohibition ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681a- 3 of this title any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX This account is reporting inaccurate late payment. Please reverse this inaccurate late payment from my credit profile and credit report immediately. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX, Va XXXXThis account is reporting inaccurate late payment. Please reverse this inaccurate late payment from my credit profile and credit report immediately. 

In closing, please reverse the inaccurate information from my credit report and send me an updated copy of my credit report once it has been removed. For your convenience, I have enclosed supporting documents verifying my identity.
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (VA)

I am in default of my mortgage with Ditech and have to cure this on XX/XX/2016. I am trying to receive their Request for Mortgage Assistance package to avoid foreclosure. I have repeatedly attempted to reach my personal representative, without success. Either the system hangs up without being able to reach a human being, puts me on hold for at least an hour and I give up, or my personal representative 's mailbox is full so I can not leave a message. I have resorted to sending in-mails on their website, have received confirmation of them, but never receive an actual response ( except for one in the US mail that said they would get back to me in 30 days, well after the date of cure ). In sum, I believe they are placing me in an untenable situation, which will cause a foreclosure that could be avoided. I am shocked at the cavalier way they are treating a very serious situation. My phone and email records do support the activity I mention above.
Consumer complaint received 2015-07-05
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MI)

In XXXX 2015, I received XXXX separate deposits of {$100.00} each on the same day to my paypal account. I immediately requested the total amount of {$200.00} to be transferred from my paypal account to my checking account. It is months later and I still do not have the {$200.00}. I reached out to paypal numerous times by phone and email to try to resolve this issue and still have no resolution. I just want my money. I have even had successful transactions since so there is n't an issue with my accounts nor my account numbers. They are in violation of the California state 's Money Transmission Act section 1841 which reads : '' Every licensee or its agent shall forward all money received for transmission or give instructions committing equivalent money to the person designated by the customer within 10 days after receiving that money, unless otherwise ordered by his or her customer. ''
Consumer complaint received 2016-07-17
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Commercial Trade, Inc. (CA)

I keep getting calls and now I just received a letter from a an attorney w/o works with debt collector. These debts there referring to were included and discharged in my bankruptcy. I feel threatened and so much XXXX. I have told them several times over the phones it was included in my bankruptcy. Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2022-08-15
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. (PA)

XXXX and transunion are reporting different dates one reporting closed date in XXXX XXXX the other report ing XXXX XXXX as well as fruad last payment date I want this I want this deleted
Consumer complaint received 2015-08-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (CT)

I thought under Dodd-Frank that banks had to process transactions in favor of the consumer, so deposits would be processed first then by checks and debit card transactions. I made a cash deposit on the day pending transactions were to be processed which would have overdrawn my account ; I opted out of overdraft protection. My bank, TD Bank, charged me a {$35.00} overdraft fee. Without that my account would not be overdrawn. Can they do that?
Consumer complaint received 2016-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

I have disputed items with Equifax numerous times over the past 2 years because I was a victim of identity theft back in XXXX. Several times Equifax claims that they are able to verify the information, but I know that to not be true because the debt is not actually mine. The latest case is related to the above Equifax case number where they claim to have verified a debt that was actually removed on an occasion prior. It was placed again by an agency that purchased the debt. I provided documentation to Equifax in the form of a signed letter from the original creditor certifying that the debt is not mine but they claim that it is genuine. 
I have also disputed several credit inquiries that are related to credit applications that I did n't not complete. Equifax claims these inquiries are factual record and will never be removed. This information is damaging to my credit report and is not accurate, therefore under the Fair Credit Reporting act they are required to removed everything that is not accurate. 
I have wasted hundreds of hours fighting with Equifax , and it is the most difficult of the XXXX bureaus to deal with. Everything in the last dispute I filed should have been removed because it is not actually related to me, and it is not possible that Equifax verified the information if they acted within the guidelines of the FCRA.
Consumer complaint received 2024-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NC)

I've informed Discover Bank that an account reporting on my credit report resulted from identity theft. They stated they had investigated and had not determined that this resulted from identity theft and that the personal information used to open the account belonged to me. I have responded and told Discover Bank that none of the personal information belongs to me, other than my name, date of birth, and social security number. The address used to open the account and receive the card has never belonged to me, the phone number, and email address also don't belong to me. I was told this card was used on XXXX XXXX, but I do not own an XXXX, further proving my identity theft claim. Discover has failed to properly investigate and find or provide any evidence that this account belongs to me, and is in violation of numerous consumer protection laws.
Consumer complaint received 2018-03-16
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: Experian Information Solutions Inc. (IL)

On XX/XX/18, I submitted a request to remove inquiries on my credit report that I didn't recognize. Instead XXXX investigated 3 of my accounts ( re : report # XXXX ). 
Experian ( report # XXXX ) did something very similar to XXXX. The errors these companies make are epic in scope. Someone should look into this seriously. Please remove the inquires from my credit report since you are now in violation of the FCRA. I mailed the same request, so it is not additional info it is the same issue ...
Consumer complaint received 2016-08-22
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (WI)

I am 3/4 of a month behind and GM Financial is calling me about 4 times a day ... all different times. I have the info stored on my phone. They are calling me while I 'm at work and can not answer. They are blowing up my phone.
Consumer complaint received 2024-05-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Nissan Motor Acceptance Corporation LLC engaged a third-party agent to repossess the vehicle in question despite the ongoing arbitration process between myself, the consumer, and Nissan Motor Acceptance Corporation LLC . I have made full payment to NMAC, which they have unreasonably refused to accept, disregarding the draft. XXXX XXXX and XXXX XXXX. I want to assert that I did not authorize the involvement of XXXX XXXX and XXXX XXXX or XXXX XXXX XXXX in the repossession process, as there is no contractual agreement in place permitting repossession by NMAC due to a unilateral error on their part. All three companies have caused harm and Breeched the peace/Trust by Corporate theft and are now subject to the schedule A documents located in the claim
Consumer complaint received 2017-05-22
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: Exeter Finance, LLC. (GA)

I am writing to dispute the following information in my file. I recently received a copy of my credit report  s (  XXXX ,  XXXX , and  XXXX  ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.
Consumer complaint received 2015-06-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NH)

Td Bank is reorganizing debt transactions from highest amount to lowest, causing more overdraft fees. I have paid over {$3000.00} in less then XXXX years because of this. I am a single mom of XXXX, that makes enough to cover bills. however with what i pay in overdraft fees it has put me in a hole. i pay the fees, then ontop of that I have to pay for my bills putting me back into the hole. i get paid every XXXX weeks, in XXXX week i had to pay over {$630.00} because of how they processed the transactions, i only make {$690.00} every two weeks.