davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-01
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: National Processing Group LLC (CO)

XXXX Inquiry from XX/XX/XXXX - Misc. 
This inquiry could stay on my report until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The above information was found on my credit report regarding a company I do NOT recognize. They made a hard inquiry on my credit somehow and I want it removed immediately.
Consumer complaint received 2017-12-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc. (NJ)

I requested that this company verify the debt and they did n't send me any valid documents to support this debt. I also asked them to prove that they 're licensed to collect debt in NJ and they are not legally able to collect debt in this state.
Consumer complaint received 2018-01-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

XXXX transfer to COINBASE - my money is gone. 

On XX/XX/XXXX, I transferred XXXXDKK from my own bank account to Coinbase as I would like to invest in cryptocurrencies.

Two days later onXX/XX/XXXX ( where the money still have n't been credited my account on Coinbase ), I received a mail from Coinbase, where they told me that ; " We apologize for the difficulty. Unfortunately your recently attempted deposit could not be processed because we do not yet support this type of currency. 
Currently, it is possible to deposit and withdraw Euro using the XXXX payment system. In order to return your funds promptly, please visit https : //www.coinbase.comXXXX and make sure you have entered your full banking information, including IBAN number.

If you have any additional questions, or if this payment does not return to your bank within the next several days '' Since the e-mail above from XX/XX/XXXX, I have contacted Coinbase several times but still have n't got my XXXXDKK back. I 'm pretty sure the responses I get is auto generated from a bot ( I will include screenshots of the full contact to this complaint - It 's a lot of screenshots! ). 

It has been impossible to get a response from Coinbase since XX/XX/XXXX where I contacted them the last time. 

Please help - I 'm desperate.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

On XX/XX/2021 I sent XXXX  a cease and desist stating to stop all illegal activity and stating my demands one being to send an audit trail so I can dispute the validity of this consumer credit transaction. I have yet to receive any correspondence from XXXX  as the consumer and natural person when I exercise my right to validate an alleged debt the debt collector shall let it be known that they have received said correspondence and that they are or have investigated pursuant to 15 USC 1692g my rights to validate the debt has been violated. I have attached proof in EXHIBITS A and B of green receipt. I also have attached original correspondence as well Exhibit C. I also have attached debt validation.
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

I hope this letter reaches you well. I am writing to dispute and urgently request the removal of fraudulent accounts from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The unauthorized accounts, reported through identitytheft.gov, have been acknowledged by the respective banks as invalid. However, the prompt removal is yet to be processed by your bureau.
Consumer complaint received 2017-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

COINBASE COMPANY based in XXXX XXXX sells cryptocurrencies, It will allow you to buy currencies such as LiteCoin, Bitcoin and Ether but will lock your account when it is time for you to withdraw your funds. I have tried to validate my identity to COINBASE and successfully uploaded my driver 's license with the CORRECT INFORMATION INCLUDING the address but it insists that it can not validate it after I have accurately answered all the verification questions. They are holding my funds. This company should have completely validated the users first prior to allowing them buy crypto currencies so that there no funds withheld if can not be validated. 

This is a pure deception and fraud where they allow you to buy but will put restrictions on your funds that is deposited to their organization.
Consumer complaint received 2021-02-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (TX)

Sherman and Associates or the Sherman Financial Group keeps calling me, my family, and my place of work. They are stating that they are a law firm that is about to subpeona me to court. They also cussed me out for asking them what company they are with and for asking about the debt they claim I owe. They are calling my job everyday stating they are about to come arrest me or serve me with a subpeona.
Consumer complaint received 2020-04-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Made several attempts to have the company verify and contest to contract regarding unknown delinquency on the credit file. XXXX XXXX XXXX are being non-complaint of FCRA Guidelines.
Consumer complaint received 2018-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was pulling my credit to looking into buying a home this year and I seen that there was quite a few unauthorized accounts on my Trans Union,  XXXX, XXXX reports. I have not access my credit file since XXXX or XXXX and it seem as if someone use my personal information to access utilities and cable bills. I do not recognize these accounts that are listed on my credit file XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ... I no longer live at the follow addresses I have been the victim of ID Theft so please remove the following address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-03-24
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: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2017-12-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

The amount of money XXXX claims I owe is incorrect. The balance is more than it should be. The information needed for the modification was timely submitted, yet now XXXX is saying they do n't have everything. I started with a realtor just in case my modification was not accepted, and I also have an investor to buy the property because I did not want a foreclosure on my record since then I can not get an apartment or any rented home. I 'm asking that I get at least an additional 30 days for them to review my modification or time to complete the short sale process. I received a letter stating that it was in review and now they are stating that they need an additional 30 days to review the package, but they ca n't stop the sale until then. Please help me in getting some extended time.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX and my complaint is with chase mortgage company. Two years ago we received a fha loan mod from this co. According to our loan docs our loan is considered in good standing unless it falls 90 days behind. We are currently 2 months behind because of financial difficulties. We tried to make a payment to keep us from falling 90 days behind and they are refusing the payment. They want our house. We are planning on selling the home within the next 6 months as we have a lot of equity. Please help they are trying to take our home.
Consumer complaint received 2017-12-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

on XX/XX/XXXX I had decided to purchase an XXXX watch in the amount of {$750.00}. 
I was given an order number and notification that item was shipped via XXXX 2nd day air with an expected delivery date of XX/XX/XXXX. 

On XX/XX/XXXX, rhe package tracker stated it was pushed the following day. 
XX/XX/XXXX, XXXX claims package was never on the truck pushed date further out. I contacted both XXXX and Bestbuy to find out whats going on. I was informed that since it was season i will have to wait till the XX/XX/XXXX before i cam receive my package. 

XXXX failed to deliver the package on the first and when asked i was given a response the package is missing or lost contact sender to resend When i called Bestbuy i was informed that they can not send another item because its not available, but i can proceed for a refund and see of i can aquire it from a store On XX/XX/XXXX the local store has a small stock of the exact item and i went ahead and purchased it per Bestbuy request. 

it has been more than 5 business days and i yet to receive my refund.
Consumer complaint received 2017-02-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

Santander Consumer USA have reported inaccurate 30 days late payment on XXXX & XXXX for total of 5 times, I 've tried contacting them to solve this issue and got no response back or positive results, and now since the account is paid off in full I ca n't get through to them and so I contacted the credit bureaus but they keep on tossing me back to Santander, so PLEASE help me to solve this issue. 

the 30 days late payments reported are : XXXX of XXXX, XXXX and XXXX of XXXX. 
please help me to fix this inaccurate information as it 's hurting me financially and mentally XXXX me through my regular every day life.
Consumer complaint received 2021-02-08
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: CITIBANK, N.A. (CA)

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CITIBANK NA., BEST BUY Inquiry Date XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2017-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I received a phone call from XXXX XXXX stating that I owe {$820.00} to a loan company called XXXX XXXX XXXX. The representative I spoke with did not provide me with a disclaimer stating this is an attempt to collect on a debt and she also recorded the call without providing any notification that the call was being recorded. She stated that this account was still on my credit report and that it had not been paid. I advised her that this account was no long on my credit report and the information she provided to me was inaccurate. The representative proceeded to tell me that I filed bankruptcy in XX/XX/XXXX which is also incorrect. I filed bankruptcy in XX/XX/XXXX. Then the representative proceeded to tell me that I opened the account in XX/XX/XXXX however the account was actually opened in XX/XX/XXXX. I repeatedly advised her that the information she was provided to me was inaccurate and she continued to repeat that I still owe the debt. Said representative proceeded to tell me about other companies that are sister companies to her company that I had filed bankruptcy on previously. She received my updated information through a current loan application with a company that is also her sister company that I was unaware of. I did not give permission for my personal information to be shared with this collection agency or any other outside source. I have disputed this information before and they have continued to keep it on my credit report. The information that I was provided by the collection agency was as follows : an account number, which does not match my credit report, XXXX. The account number that is on my Trans Union credit report is ending in XXXX with an open date of XX/XX/XXXX. There are five additional accounts from the same collection agency that have been removed from my credit report that were included in bankruptcy back in XX/XX/XXXX. There is one account that was also included in bankruptcy that has still not been removed that I have repeatedly disputed. XXXX XXXX agency is in violation of the FCRA and FDCPA. I was also told that if I wanted to dispute this account that I must come in person to address XXXX XXXX. XXXX XXXX in XXXX XXXX Oklahoma which is also incorrect. I have since received another phone call from the same collection agency on XX/XX/XXXX from a representative by the name of XXXX XXXX XXXX XXXX  cst in which I have a voicemail recording of. Previous complaint from XX/XX/XXXX went unanswered by XXXX. XXXX has also continued to run a credit check several times without my consent.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 

XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$6800.00}.
Consumer complaint received 2017-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (MD)

XXXX has sent me a notice informing me that my loan is " still outstanding for two installments '' and advising me about potential legal proceedings. This claim is patently false. 

I have made ALL PAYMENTS timely and this can be documented in my bill pay records which I have attached. The payment address and account numbers are correct. 

Clearly, this threating letter was sent in error but no one can explain why my payments are not being applied properly. I believe this company is probably deeply incompetent and I believe they should be swiftly disciplined and fined. 

I called the customer service department on XXXX XXXX, 2017 and the individual I spoke with dismissed my concern while saying they had " no idea '' why I received that letter. I am deeply concerned that my valuable credit score will be impacted, or even worse, that this company will erroneously start foreclosure proceeding when every payment has been made on time. 

Please, fine XXXX so they learn they can not treat customers this way.
Consumer complaint received 2017-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (MA)

I recently joined Coinbase.com. I added my bank acct and purchased digital coin Litecoin. I bought XXXX as I 'm not rich but would still like to play this new market. Coinbase then in turn withdrew {$300.00}, twice from my acct. I can not get in touch with their customer service to no avail. I then called my bank and asked for help. My bank will try but I believe they will receive the same answer from customer service ... Silence ... .Please Help ... 
Thank you
Consumer complaint received 2015-04-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/XXXX, I had a cashiers check of {$2800.00} sent by next day mail to Santander Consumer USA to payoff my account. The check was sent by my bank to XXXX 's overnight mailing address by FedEx. The package is shown to have been received at XXXX on XX/XX/XXXX and signed for by a person of the name XXXX XXXX. I waited for a few days to give time for the payment to process and my online account to be updated. Upon five business days on XX/XX/XXXX I contacted customer service for a status of the payment. I was advised that no such payment had been received for the account. Over the past three weeks I have contacted them for status of the payment and no one has a clue as to what happened the payment. I requested to speak with supervisor because no one seem to want anything to do with the situation. A supervisor had me fax proof of the payment and tracking information on XX/XX/XXXX. I call back to see if the documents were received and was hung up on, this has happened a couple of times throughout this process. For the past week I have contacted Santander as to an update of what is going on with the situation and no one will give any information other than there is no resolution yet. All the while my account is still actively gaining interest and I am out of {$2800.00} that I can no where near replace. I have contacted my bank to see if the check has been cashed yet and it has n't. They advise they can put stop payment on the check but I still would not receive my funds back for 90 days after the check was draw. That is the stipulation for cashiers checks since they are guaranteed funds. If the check is not found and I received my funds back by XX/XX/XXXX, Santander will surely say the payoff amount is not valid and will want any accrued daily until then. I have done research and see that many others have had the same issue of disappearing payments to Santander Consumer. I found a number to the office of the president and left message on the voicemail on XX/XX/XXXX. I have yet to receive any response from them or anyone in the company, they seem as if they are ignoring the situation entirely.
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

My Macy 's store credit card was stolen/compromised on XX/XX/2021 and used to make unauthorized charges in the amount of {$1100.00}. I have contacted Macy 's to no avail to have these charges removed from my store credit card and credit report. 

These charges must be removed from my credit card and credit report immediately.