davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (AZ)

I created a new coinbase account on XX/XX/XXXX for business purposes, verified my ID, and now my personal XXXX account where several thousand dollars are held wont let me login. When trying to login to XXXX, it gives this message : Attention required! Trading functionality has been temporarily suspended on your XXXX account. In order to restore trading functionality, please contact XXXX I emailed XXXX on XX/XX/XXXX and received this reply : " In an effort to more quickly respond to requests, directly emailing XXXX is no longer enabled. 

To get a response from our support team, please visit the following page and complete the request form : https : //support.coinbase.com/customer/portal/emails/new '' I opened a ticket at the support website on XX/XX/XXXX and have n't received any resolution.. 

I emailed XXXX explaining everything above, on XX/XX/XXXX. Still no resolution.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On several different occassions I have submitted disputes pertaining the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Credit Card. 
XXXX XXXX Credit Card has reported my account closed and as a charge-off. This account has been sent to a collection agenc for collections. Under the FCRA, the account balance shoudl reflect as a " XXXX '' balance. I have disputed this account several times but the three consumer reporting agencies does not request validation from the original creditor. 

XXXX XXXX XXXX This account has been reported on my credit report as charged-off and closed as of XX/XX/XXXX. I have been contacted by an outside collection agency who has reported that they have purchased the account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been dispiuted several times but XXXX has not provided validation to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account has been reportd as a charge-off as of XX/XX/XXXX. I have been contacted by an outside collection agency regarding this account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been disputed several times but XXXX XXXX XXXX to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account is an auto account for a vehicle purchase that took place in late 2016. The loan was paid in full in XX/XX/XXXX as apart of a purchase of a new vehicle, When i reviewed my credit report it stated that the current account status was 30 days past due instead of the account being current and paid. The worst account status was a 30 day late payment that took place in XX/XX/XXXX, but the overall account status should be current because the balance was paid off and the account was closed with a XXXX balance.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Recurring monthly autopay check on XX/XX/XXXX to XXXXXXXX XXXX XXXX for {$560.00} was never received by payee. After calling bank, I met with bank officer XXXX XXXX who was able to show me image of check indicating only stamped endorsement XXXX XXXX with no account or signature noted, not the bank of the payee. She assisted me in filing all required and notarized information and statements from myself and the intended payee. Around 5 months later the fraud department gave a non-responsive response indicating that I had authorized the original payment so no reimbursement was warranted. I then returned to bank officer XXXX XXXX as a different branch. ( Bank officers keep changing and branches keep opening and closing at Bank of America. ) She endorsed that the first response was incorrect and instituted an appeal. She offered to get me an image of the check for my records but was never able to secure one. Nor did the check image ever become available through my online account records. Her appeal request simply generated another iteration of the same fraud claim forms which I filled out and notarized again. After several more months the bank responded that their department was not responsible for the issue and it was being referred to another unidentified department. I called and was told it needed to be handled by online bill pay department. I spoke with them as well as a supervisor and they indicated that all documents would need to be submitted again to them directly and they were not able to access documents from the fraud department. I was told the bank officers should have referred to them initially. However the fraud department also never advised me to proceed differently. As I have not done business with the payee since XXXX of XXXX, since they were requiring all paperwork with notarized statements be submitted for a third time, and since this has gone on with countless hours of my work and XXXX months of elapsed time with no assurance that it would be effectively resolved if I pursued it further in their completely error ridden system where at best no one took ownership of assisting me and at worst they seem to have an effective way of deliberately not responding to claims, I refused to proceed further and am contacting you for assistance. Is this their systematic way of not taking care of their errors that may cost them some money.
Consumer complaint received 2021-09-25
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (GA)

On XX/XX/21 Discover Financial Services added a derogatory mark on my credit report per checking my credit report from the 3 credit bureaus. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no form of written communication, contract, or signature for accused of this debt at all. A bill without a signature does not validate the debt and anybody can send a bill claiming it belongs to me. According to the FCRA Discover Financial Services has violated my rights as a consumer and I am requesting legal action to remove this immediately.
Consumer complaint received 2021-06-30
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. (CA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-09-24
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. (DE)

We are being denied Housing due to XXXX XXXX ( a third party servicer ) that no longer was a Servicer for my old Mortgage with XXXX XXXX. My old Mortgage of $ XXXX was sold to XXXX XXXX who had XXXX XXXX be there Third party Servicer in XX/XX/XXXX. On the Equifax report that These Property management companies and Mortgage loan places are Recieving is that there were two combined mortgages at a Grossly Incorrect balance of {$420000.00}. ( XXXX  XXXX XXXX ( In XXXX this mortgage was sold to XXXX at {$210000.00} & XXXX, a third party servicer at {$210000.00} at a total of {$420000.00} ) is showing up on my Equifax Report. Please get removed Immediately. We are being Denied Housing due to this. Thank you. Best regards, XXXX XXXX and XXXX XXXX
Consumer complaint received 2017-11-29
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. (GA)

According to Experian, XXXX and XXXX my report publish information should be removed. Inquiries on my XXXX report by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX these inquiries were not authorized by me. A  collection from a phone company I never had. The collection account is reporting on all three credit reports : XXXX XXXX for XXXX I constantly dispute it will come off, then return back. Again these actions were not my doing.
Consumer complaint received 2021-06-30
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. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2017-11-29
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. (GA)

According to XXXX, XXXX and TransUnion my report publish information should be removed. Inquiries on my XXXX  report by XXXX XXXX on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX these inquiries were not authorized by me. A collection from a phone company I never had. The collection account is reporting on all three credit reports : XXXX XXXX for XXXX I constantly dispute it will come off, then return back. Again these actions were not my doing.
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

I used to have this credit card ( Chase Freedom ) account since XXXX XXXX, 2012. And it is one of my oldest accounts. I applied for a chase XXXX credit card and was declined. When I received the decline letter in the mail got also a card cancelation letter for my Freedom. for " number of accounts currently in use '' ; " too many accounts opened recently '' My credit score is XXXX. I did not do anything wrong. This is ridiculous technically they are XXXX my entire financial situation and credit record with no real issue.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC (FL)

On XX/XX/XXXX a fraudulent 1099 was mailed to my home address by NewrezLLC. 
This 1099 reports that nonemployee income was paid to me in the year XXXX. The issue is that I have never worked for Newrez LLC in any capacity. 

I have no knowledge how Newrez obtained my personal information like address, social security number etc. 

My personal information was stolen from me several years ago and it took me months to clear that issue up. 

This false reporting of income to the IRS via this 1099 may once again cause me issues in the future.

I have tried several times to contact Newrez to get this fraud addressed and corrected but have not received any response from them. 

The name and the number on the 1099 is XXXX XXXX, XXXX.
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (TX)

This company bought my information from a company that I had returned the merchandise to. The company never corrected my account that I closed back in XXXX. This agency is still today 5 years later is updating this account and will not correct that this account was closed in XXXXThey have and is calling my family members about this account.
Consumer complaint received 2021-06-30
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: EQUIFAX, INC. (TX)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and XXXX  of XXXX along with XXXX plus days of no response.
Consumer complaint received 2019-03-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (IN)

I have a loan with XXXX XXXX with a co-signer, my co-signer filed bankruptcy and during that process I was told I could not make payments and couldn't get in info on the loan, even my online access was shut off. Now my loan payment has skyrocketed and now I can't take the co-signer off the loan because they said that broke up me not having 12 straight payments due. Now they tell me I should of demanded to put money on the loan anyway even though I have letters from them saying no access can be made to the loan.I asked multiple times can I pay and was told no.They won't even work with me on the new high payment I cant afford.The last letter I got was XXXX19 telling me I can't have any loans or communication about that loan so how can I make payments when I was told it didn't exist till after that process was done. I also got told if I wanted a lower payment then don't pay the loan for months and they will give me payment options.
Consumer complaint received 2017-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

XXXX ( XXXX XXXX XXXX ), a wholly owned subsidiary of XXXX placed me in collections for a bill that I never received. My first notice was the harmful, damage to my credit score when I received a notice from a negative report showing up by my credit monitoring service. I contacted XXXX regarding this collection on XX/XX/XXXX. They claim that I owe a doctor for services rendered on XX/XX/XXXX. I told them I never received a bill or notice of collection. They responded that they sent it and it came back. I gave them my address and asked for more information. They tried to get me to pay {$450.00} to have the collection removed from my credit report. I told them I was not familiar with the claim or alleged doctors claiming to have provided me service. I am a senior citizen living on a fixed income. I can can not afford to pay extortion money to Collection Agencies like XXXX who bully senior citizens. I got the name of the doctor and contacted the hospital to try and reach him to no avail. I then contacted XXXX to inquire as to why the bill was not paid. The XXXX Representative reviewed all of the charges and payments for that claim, including 4 different doctors that were paid for services rendered. XXXX had not received any claim from this new doctor. They also indicated that it is " Illegal '' for Doctors to bill patients without first billing XXXX. It is an " Assignment Violation '' to do so. Further, the said doctor never sent me a bill in the first place. It seems very unfair to harm me and my family by further damaging our reputation and credit scores by sending it to collections without ever sending me a bill in the first place. I contacted XXXX again today to complain. I also gave them my XXXX Number, which is also my Social Security Number plus a letter. No wonder, " Identity Theft is so rampant in America today. I have also been harmed greatly by Identity Theft due to this very sort of stupidity in our systems. I asked the lady to bill XXXX if they believe I owe them money and to remove the " Collections '' reported to the three ( 3 ) credit bureaus. I also contacted XXXX the parent company of XXXX to complain about their " Extortion '' attempts to pay them off for removing the Collection report. XXXX said essentially they do not care and to take up the matter with XXXX. I refuse to be bullied and pay extortion to criminals like XXXX. The Fair Credit Reporting Act is a joke. CFPB, DO YOUR JOB!!
Consumer complaint received 2018-01-04
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (OH)

Around the middle of XX/XX/XXXX, we applied for a loan with LoanDepot.It was preapproved with a 3.75 % rate. All the PAPERWORK THEY ASKED FOR WAS SENT WITHOUT DELAY.It was sent to underwriting for final approval for three weeks now.We have to call to see what is going on after we contact the manager Then they would call and state we need this or that, then we can get final approval, we right away send it to them.No word from them 2-3 days.XX/XX/XXXX I email them the manager in sales, then they would call we need 24 months payment and divorce decree then we will close.sent right away and sent 35 months of payments ( never late ) .A week pass no word. I email again, then they would call we need XX/XX/XXXX payment. this is all underwriting need to close.this is now Monday, XX/XX/XXXX will call you tomorrow with final approval and set up closing. Wedn XX/XX/XXXX. no phone call. I called her voice mail states she went home.I was connected to 3 other departments. No manager could come or could be reached in any department especially underwriting.They have all requested information and is not doing their jobs. Uncalled for.
Consumer complaint received 2024-01-29
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC. (TX)

I closed this account XXXX  after I was robbed and had insurance with this company that was to cover the items. I closed the account in XXXX, but the company is still reporting it as if the account is open. The company also called on family members phones that was not and is not connected with me.
Consumer complaint received 2017-11-29
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: Bread Financial Holdings, Inc. (AZ)

I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX  XXXX/XXXX XXXX dated XX/XX/2017, XXXX XXXX/ZALES X/XX/2017 and XXXX XXXX dated XX/XX/2017, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-11-29
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: Bread Financial Holdings, Inc. (AZ)

I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX XXXXXXXX XXXX dated 1XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Dear Sir, Madame, I am a client of XXXX XXXX. Just started trading cryptocurrencies in XXXX 2017. I have loaded my account with few minor transactions from my credit card, which went through straight away. I have then transferred the amount of XXXX XXXX EUR from my personal account in XXXX to their account in XXXX on XX.XX.2017. Until now the amount has not been received in my Coinbase account. I have contacted Support and opened a Case ticket with them. They requested my payment order and this is when they stopped replying to my correspondence. Because of the lost transfer, I have missed many trading opportunities. Kindly assist in getting the amount credited to my Coinbase account or refunded to my personal bank account.
Consumer complaint received 2017-11-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. (MN)

We ( XXXX XXXX XXXX XXXX, PA ) emailed our customer in XXXX ( XXXX XXXX XXXX ) an invoice for professional services rendered. The customer responded to the email asking if we would accept a wire transfer for fees invoiced. We responded and said we would and never received any request for the wire information. Later we discovered that the email was hacked and the hacker sent an email to the customer with account information that was not ours but very similar. The customer wired the money from their bank ( XXXX XXXX XXXX ) to the account listed in the hacked email. The bank ( Sun Trust Bank ) that received the wire stated that the account that received it is now closed. The funds did not go to the intended recipient.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Eastern Revenue, Inc. (NJ)

This account was suppose to be removed from my credit report due to inaccurate information and I 'm also taking care of it directly with XXXX XXXX College. The account was removed from my XXXX report but not my XXXX. It is now XXXX XXXX,2017 it 's been over 60 days since I filed this dispute.