davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-30
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XX/XX/2021, I opened an account with coinbase.com, and purchased XXXX  to use for foreign exchange. I sold my bitcoins and attempted to withdraw my money in USD on XX/XX/2021 ; as a result, my withdrawal was refused, and my account was frozen. I called their customer service department ; however, no live person was available to assist me. I attempted to troubleshoot on their website ; however, I received no help there either. Meanwhile, my funds, which were purchased at {$20000.00} and increased to {$24000.00} had decreased to {$19000.00} as of XX/XX/2021. On XX/XX/2021, I also realized that approximately {$65000.00} was fraudulently withdrawn from my XXXX XXXX XXXX account ; the fraudulent activities began approximately XX/XX/2021. Money has been taken out of my savings account and dispersed to numerous financial institutions, in which I have no accounts with, nor did I authorize any of the withdrawals with coinbase.com or any other company. My account number at XXXX was changed ; I took my previous debit and ACH numbers off of coinbase.com in an attempt to discern whether or not the funds were being withdrawn via coinbase.com or a subsidiary. I attempted to add my new information to my coinbase.com account in an attempt to withdraw the remaining {$19000.00}, and my new account information was rejected ; my coinbase.com account has been frozen, and I have not been able to withdraw my funds. I have sent them an email, and as of this date, there has been no response. I understand the lack of manpower due to Covid - 19 ; however, this company 's business practices appear to be downright illegal. I am a laid-off XXXX due to Covid - 19, and I can not afford to lose any more money than I already have. XXXX has Loss Prevention working on the disappearance of the {$65000.00} ; however, I need your assistance in recovering the aforementioned money from coinbase.com, and if you're able to assist in the investigation with XXXX XXXX XXXX, that would be greatly appreciated as well. Why is this company still allowed to operate and fraudulently steal from, and mishandle their clients ' accounts. Please help!!!
Consumer complaint received 2017-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (TX)

At the end of  XXXX   2017 , I ran into a rough financial patch. I calle d GM Financial  at  XXXX , to request a deferment on my car loan on  XXXX   XXXX ,2017. During the conversation with the representative, she informed me that " Recently there had been legislature passed  in the State of  Texas that require s Auto Finance  companies to collect a fee up front, Prior to considering customers for a deferment. '' Per the representative, the fee would have been {$970.00}. This would have been {$10.00} less th an 2 of my  regular monthly payments. The representative informed me that t he State of  Texas is the only state that requires that this fee is assessed. Per the representative the fee would be assessed to cover all of the interest from the payments, prior to completing the deferment.     This has caused me to become late on my payment from  XXXX , and it has been reported to my credit bureau. I reached out  to GM Financial for  assistance, prior to being late on my payment, and the solution was to charge me a fee that equals the same amount as the combined total of my monthly payments that I was requesting to defer.
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I tried to order my free credit report from XXXX. I tried about a month ago and was unable to complete the online application because when I get to the captcha screen, it tells me that I incorrectly entered the information three times, then tells me that I ca n't try again.The words were very clear and I know that I entered them correctly. This program does not work correctly. I read online that many people have this problem. It violates people 's right to get a free annual credit report if the only website available to get it does not work. I was eventually able to find a phone number on the FTC 's website, but I think that the company that runs XXXX needs to either fix their website, or provide a number themselves, since it is quite difficult to find that information.
Consumer complaint received 2021-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NJ)

XX/XX/21 my parents called me that they received checks in the mail for TD Bank. I no longer live at that address and did not open an account or order checks with TD. I ahve never had an account there. I have contacted TD Bank and they assured me that their fraud department would close the account and investigate it but that I still needed to report it.
Consumer complaint received 2022-03-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Attention : Mail Stop XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX RE : Loan # XXXX To Whom It May Concern : I am disappointed in the unethical practices I have witnessed regarding my loan, # XXXX. I suffered Covid hardship due to the long rent moratorium imposed in New York state. 

On XX/XX/XXXX, you wrote me a letter stating I was eligible for a modification lowering my interest rate to 2.875 % and the payment, {$730.00}. 

On XX/XX/XXXX, you wrote me a letter stating I was eligible for a loan modification lowering my interest rate to 2.875 %, and the payment, {$750.00}. 

On XX/XX/XXXX, you wrote me a letter stating I was eligible for a loan modification lowering my interest rate to 3.125 %, and the payment, {$780.00}. 

On XX/XX/XXXX, you sent me a mortgage statement with a payment due on XX/XX/XXXX, with the interest rate jumping to 6.875 % and the payment increasing to {$1000.00}. 

When I called Santander Bank on XX/XX/XXXX to question why the payment increased your representative replied reading a written statement there was a difference in taxes and insurances. When I questioned her that would not increase my payment that much, what increased the payment was you increased the interest rate to 6.875 % which raised the payment, she hung up on me. Is this the policy you advise your representatives when the customer catches you almost tripled the interest rate? 

I have paid every reduced payment you requested in the loan modification and am XXXX month ahead. You intentionally failed to send me a formal contract reflecting the 2.875 % rate and lowered payment even though I met your requirements. Instead, you chose to ignore the proposal you offered and ignore the fact I made the payments timely and increase the interest rate to 6.875 %. 

You leave me no choice to report your unethical, fraudulent practices. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

My father died on  XXXX   XXXX ,  2016 . When I called to info rm Capital One B ank, they asked me a variety of questions, including my social security number. Unfortunately, I gave it to them. The next month a statement came with my name added to it. I have contacted them on several occasions to address the issue, but no one is willing to help me. I have asked that they send me individual monthly statements for the year    2016  so I can see exactly when they added my name. I believe it was in  XXXX ,  2016 . I have even asked for the contract my father signed to open the account. Now they are sending me out for collection. The amount they are seeking is {$810.00}.
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (PA)

I have been reaching out to Experian asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CURO Intermediate Holdings (TX)

I continue to ask to not call. Not to mention she calls before XXXX XXXX. I am exhausted and beat up over it. I get it. Covid-19 has create a stress factor and I XXXX.
Consumer complaint received 2017-06-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Society Business Services, Inc. (AZ)

Review of credit monitor service indi cates thon  on  XXXX / XXXX / 017   BUR MED RECON  placed  XXXX  medical accounts in collection. I 've received no notification from the collector by mail, email or phone. I do not recognize any of the items listed below. Because of the age of these accounts.     Collection item  # 1 1 ) Original Lender : Medical 2 ) Acct # :   XXXX   3 ) Age of acct : 42 Months 4 ) Highest Balance : {$200.00} 5 ) Amount Past Due : Not reported Collection item # 2 1 ) Original Lender : Medical 2 ) Acct # :  XXXX  3 ) Age of acct : 41 Months 4 ) Highest Balance : {$85.00} 5 ) Amount Past Due : Not reported Collection item # 3 1 ) Original Lender : Medical 2 ) Acct # :  XXXX  3 ) Age of acct : 31 Months 4 ) Highest Balance : {$99.00} 5 ) Amount Past Due : Not reported
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (TX)

I am submitting this CFPB complaint to you today to follow up the the most recent complaint I submitted last XX/XX/XXXX. I believe that the Credit Bureaus are not doing their job properly and needs a constant reminder that they have huge responsibility. Under the FCRA section 605b, the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft. But in my case, I believe that the Credit Bureaus chose to not comply with the FCRA statute. I was a victim of identity theft and the accounts and information I am disputing are the results of such crime. I am requesting the Credit Reporting Agencies to please remove the following fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

I have been with FedLoan Servicing in the PSLF program for five years, and have worked in public service for 15 years. In XX/XX/XXXX I consolidated my federal loans. Additionally, I made a FOIA request for all my loan payments because I didn't think my payment were being counted correctly by FedLoan. My payment history showed that I made payments while my loans were in an in-school deferment/forbearance status and in administrative forbearance status. In order to get credit for these payments I submitted a deferment/forbearance waiver request in XXXX XXXX. I spoke with a representative from Fedloan today who told me my waiver was processed, but the waiver is only good for existing loans which now are my consolidated loans and not any of the loans I made payments to while my loans were in deferment/forbearance status. There is no information about this anywhere on the Fedloan site, or on the waiver request form, or with the consolidation request. The PSLF waiver program was a godsend for those of us who have committed ourselves to public service with more student loan debt than when we graduated thanks to all the interest on federal loans and have been paying for years into the wrong payment plan. This deferment/forbearance waiver is one more hurdle to jump if you made payments while in deferment/forbearance or unknowingly were in administrative forbearance. It is very deceptive that so little information is available and that all the potential pitfalls of consolidation are not laid out for the consumer.
Consumer complaint received 2017-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: WELLS FARGO & COMPANY (GA)

The ba nk ( wells Fargo ) was late on reporting my income and sending   XXXX   reports to   XXXX   XXXX   so I could n't get a cash advance.
Consumer complaint received 2017-06-26
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: WELLS FARGO & COMPANY (CA)

Hello my name is XXXX XXXX XXXX. I have tried to fix my name as I showed it appears as XXXX XXXX XXXX and XXXX XXXX XXXX my birth name is XXXX XXXX XXXX but I got married 3 yrs. ago never used the name previously mention. I am trying to purchase a house and that 's how I notice I have different inquires from different companies I have never inquire an account and also different dealerships I have never applied for. Please help me as I mention before I am trying to get a house. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX / ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ID XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NM XXXX / ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2022-03-03
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. (TX)

I was a victim of identity fraud. 
Below is the account I disputed. 

Because this account is not mine I would like it deleted off my report. Fcra violation. 

XXXX BXXXXk XXXX XXXX XXXX
Consumer complaint received 2019-03-01
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. (MD)

On XX/XX/ 2017 I went to XXXX closed an account to start an account with my husband. I was told in order to close the account the account had to be fully paid and so I paid. The account was cancelled and my husband and I purchased a new phone and started a new line, which is my current line. Every two months i received a bill for the cancelled line i called XXXX every time i received the bill and every representative i spoke to promised to have the fees and cancel the account. It has not been forwarded to a debt collector and affecting my credit. XXXX is now saying because its been forwarded they can no longer access that account to confirm previous calls or account activity.
Consumer complaint received 2017-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I sent a rent check to my landlord on  XXXX   XXXX ,  2016  and in  XXXX  the landlord told me they never received the check ( #  XXXX  amount {$1300.00} ) so I immediately went t o HSBC (   XXXX   XXXX ,  XXXX , NY  XXXX  ) and got a copy of the check, the check was fraudulently endorsed and cashed. I then filled out an Affidavit to start the investigation to be reimbursed. I went back to  HSBC after  a couple weeks and was told the check ( #  XXXX   ) h ad been cashed at a   XXXX   XXXX    XXXX  and they were waiting to get the funds from them. I have called and returned to the bank several times and I am still waiting on this investigation. I have not been reimbursed!!
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: JPMORGAN CHASE & CO. (AZ)

I requested a copy of my credit reports from XXXX in XX/XX/XXXX ( incl ). I noticed that all 3 bureaus reported my Chase card account differently. I wrote to Chase requesting that they look into it. In XX/XX/XXXX XXXX from Chase wrote me back ( incl ) that the reporting was investigated and it was found to be accurate. I knew that this could not be correct because there were 3 different sets of information. I called Chase and they told me they would not update anything and that I had to dispute through the credit bureau. I did so through XXXX, and lo-and-behold, Chase updated some of the information ( chargeoff date and Status ). I got another copy of my XXXX report in XX/XX/XXXX ( incl ) - under Status, it still says " {$4400.00} written off. '' Yet I have a letter from Chase and a 1099-C ( incl ) showing that {$2600.00} was written off. If you were to look at my report, based on the High Balance and that Status, it makes it seem as though I never paid 1 dollar to settle. My complaints are : 1 ) that Chase is really giving me the run-around and did not REALLY investigate when I asked them to in XX/XX/XXXX and XX/XX/XXXX, and generally refusing to cooperate. 2 ) That they are continuing to report inaccurate information after my credit bureau dispute. 3 ) That they are knowingly reporting the false info, considering the documentation I am providing CFPB comes directly from Chase. I suppose XXXX and the other bureaus should be required to remove this account since I am sending you the 1099C/letter and my report to show that it is being reported inaccurately, but my main complaint is with Chase for being so intentionally difficult and refusing to correct the information. Both the credit bureaus and Chase keep referring me back and forth to each other for a resolution. Please help.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (VA)

This is from a previous that was closed without fully vetting the issue. Cash App is allowing unauthorized withdrawals funds from my account. Despite my efforts, including filing a dispute, the resolution was unfavorable as it was denied. Even after undergoing multiple card replacements, Cash App persists in facilitating unauthorized transactions by the aforementioned vendor. I am asserting my rightful claim to a refund from Cash App and insist that immediate measures be taken to prevent any further unauthorized withdrawals by XXXX XXXX from my account. Cash App must implement safeguards to safeguard the integrity of my financial transactions. I also emailed cash app management and requested the vendor be blocked and that request was not considered.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background (OR)

When I applied at XXXX they did a 10 year background check. 90 % of what came back is XXXX  belonging to someone else. This person used my name years when he got pulled over and now I am stuck with his background. It's keeping me from getting a driver 's license, and passing a background check. I am mortified. His name is XXXX XXXX. Please help. Any more questions please call me XXXX. Thank you! 

Sincerely, XXXX XXXX PS. I uploaded the background check near the bottom of this page. All if it is false except two XXXX from XXXX County. And one XXXX charge from nearly ten years ago. That's three total. The rest belongs to XXXX XXXX only.
Consumer complaint received 2017-06-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Persolve, LLC - Legal - Series 2 (CA)

Today,   XXXX   XXXX   notified me that a collection was on my account from  Persolve. This is not my debt more did I receive any notice of a debt from Persolve in writing prior to it being reported to the credit bureaus.
Consumer complaint received 2017-06-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (GA)

InXX/XX/XXXX, I got behind one month on my mortgage payment with Flagstar Bank, due to a financial hardship on my job. Flagstar Bank employees set me up on a Home Affordable Modification plan without discussion the details. I signed the modification plan and submitted it back to them. In XXXX of XXXX, I attempted to sell the home and found that there was a lien on the mortgage for {$34000.00} to Federal Housing Authority. This was never explained to me, nor did I have any knowledge of it. I was only behind one month on my mortgage note. If this had been explained to me, I would have never agreed to this. I have the document they sent to me to signed, there is no mention of borrowing {$34000.00} from FHA. I contact them to see what happen to the fund they borrowed? They told me it was used for the modification and the remainder was applied to my loan. I did not see my loan decrease. therefore I am requesting that this matter be investigated. I paid FHA back the {$34000.00} from my life saving in cashiers check. Therefore I am requesting that my funds be returned to me. This type of practice is wrong and manipulative and should not be tolerated.