davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (VA)

Dear Sir/Madam There was a fradulent activity on my coinbase account ( cryptocurrency ) on XX/XX/XXXX, 2 sale transactions ( of bitcoin/ethereum ) were done and the money from proceeds were withdrawn to some random bank accounts. I had called coinbase the same day, but they didn't do anything other than locking my account. When called back on XX/XX/XXXX is when they raised a support incident to investigate. They found the IP Address from which this was done. but not willing to take any responsibility for the incident. It was a hacking by someone in XXXX arizone and i didnt approve any new device as far as i know from my side. i raised a compliant with coinbase to provide further details to recover the money- but they have closed the incident and complaint saying its their final response. 

I swa XXXX transactions in my account which was performed by someone else. ( XXXX sale transactions and XXXX withdrawals on the same day within XXXX minutes ) 1. Sold XXXX - XX/XX/XXXX - XXXX $ Ref code : XXXX XXXX. Sold XXXX - XX/XX/XXXX - XXXX $ Ref code : XXXX XXXX. XXXXXXXX XXXXXXXX XXXX XXXXXXXX account ending in XXXX withdrew the funds within XXXX minute- XXXX $ ( Reference code : XXXX XXXX. XXXX XXXX bank account ending in XXXX withdrew the funds within XXXX minute - XXXX $ ( Reference code XXXX XXXX ) XXXX. XXXX XXXX bank account ending in XXXX withdrew the funds within XXXX minute - XXXX $ ( Reference code : XXXX )
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (CA)

I obtained a credit card with Macys ( card issued with Department Stores National Bank ) since 2003. I have used the card and paid it back throughout the 17 years. During this time, I noticed they have never reported the credit card on any of the 3 credit bureaus. I have contacted several times throughout these years. Each time they ask me to send a letter with my name, account number, full social, explaining the issue. I follow their steps and they dont resolve the issue. I did receive a letter 1 of those times saying it was resolved. Two weeks ago I checked and the card was not reporting. I contacted all 3 credit bureaus, and they confirmed it has never reported. I contacted macys again and once again they asked me to send them the letter with the same information. I did, and now they are giving me issues and do not resolve the problem. After 17 years, and several attempts from me to get this resolved, it still has not.
Consumer complaint received 2016-05-27
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

On the date XXXX XXXX XXXX, I XXXX XXXX exercised my right of rescission on a refinance mortgage credit transaction by mail and fax pursuant to the Truth in Lending Act 15 USC 1635 ( a ) and C.F.R. section 226.23 ( a ) ( 2 ) within 72 hours of the date of consummation with Lakeview Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I exercised my right of rescission As a result of XXXX XXXX failure to provide me the following mandatory T.I.L.A required disclosures below and such rights in accordance with the regulations of the Consumer Financial Protection Bureau : 1. the creditor must deliver the notice of right to rescind to each consumer in the transaction 12 C.F.R. section 226.23 ( b ) ( 1 ) ( i ) - ( v ). 
2. the notice must disclose the requisite information clearly and conspicuously 3. The requisite information comprises the retention or acquisition of a security interest in the consumer 's principal dwelling. 
4. The consumer 's right to rescind the transaction 5. Information on how to exercise the right to rescind 6. the effects of rescission 7 the expiration date of rescission ( 3 days-3 years ) 8 to satisfy the notice requirement, the creditor is required to use model form in Appendix XXXX form or the one substantially similar. 
none of the above did i receive from Lakeview Loan Servicing violating 12. C.F.R. section 226.23 ( b ) ( 2 ). 
Lakeview Loan Servicing are ignoring and refusing to execute my rescission rights thereby, being non compliant to the regulations of the Bureau 12 C.F.R section 226.23 ( d ) ( 1 ) and 12 C.F.R. section 226.23 ( d ) ( 2 ). 
It appears Lakeview Loan Servicing and XXXX XXXX XXXX and its officers XXXX and XXXX XXXX XXXX XXXX are intentionally refusing to comply with the regulations of the Consumer Financial Protection Bureau, T.I.L.A. Regulation Z, and the U.S. Supreme Court Order and Decree on XXXX XXXX XXXX ( XXXX XXXX XXXX, v. XXXX XXXX XXXX, XXXX No. XXXX.whereby borrower need only provide written notice to a lender in order to exercise right of rescind. 
Furthermore, ( 1 ). " XXXX XXXX XXXX/Lakeview Loan Servicing claims for incomplete credit application ''. How do you set a closing date, sign closing documents, cash my settlement fees check but claim my application is incomplete and leave me a closing package with the HUD 1. ( 2 ) " Claims Application Approved but not accepted ''. How do you set a closing date, sign closing documents, cash my settlement fees check but claim my application is incomplete and leave me a closing package with the HUD1. It is customary for the Lender to give the Closing Attorney the " Clear to Close '' in order to close a loan. ( 3 ) You can not have an incomplete application and an approved application at the same time. ( 4 ) How do you assign a loan number with an incomplete/not accepted application?
Consumer complaint received 2020-06-25
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: EQUIFAX, INC. (CA)

I was A victim of identity theft. XXXX XXXXXXXX had marked me late payment for charges that didnt belong to me. I addressed the issue and they removed the late payment. 
six months later they have updated the reports and are re reporting the same issue from identity theft. Now it is causing damages and keeping me from being able to get A home.
Consumer complaint received 2020-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was A victim of identity theft. XXXX  XXXX had marked me late payment for charges that didnt belong to me. I addressed the issue and they removed the late payment. 
six months later they have updated the reports and are re reporting the same issue from identity theft. Now it is causing damages and keeping me from being able to get A home.
Consumer complaint received 2024-03-02
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: JPMORGAN CHASE & CO. (TX)

Subject : Urgent Report : Unexplained Credit Score Drop and Stolen Car Situation Dear Consumer Financial Protection Bureau ( CFPB ), I hope this message finds you well. I am writing to bring to your attention a concerning situation involving XXXX and Chase Bank, and I seek your assistance in resolving the issues at hand. 

Recently, I received an alert from XXXX notifying me of an XXXX drop in my credit score. Upon further investigation, I discovered that XXXX removed my mortgage and installment accounts ' credit history, specifically my car loan with JPMCB auto. This is perplexing, as my credit report is clean and in good standing, and I have been making timely payments. Strangely, my last payment was just last week. 

Adding to the complexity, I received a letter from Chase Bank congratulating my sister, who is the cosigner, for paying off the car loan. This is perplexing as well, as I am the sole owner of the car and have made all the payments, including the final one last week. The letter was addressed solely to my sister, and it mentioned sending her the title in the coming weeks. 

The situation is further complicated by the fact that my car was stolen on XX/XX/2023, by an individual named XXXX XXXX. The theft occurred at the XXXX, XXXX XXXX, XXXX XXXX employees ' private parking, and the police report number is XXXX. Despite providing all relevant information, both Chase Bank and the XXXX Police Department have been uncooperative in helping recover my stolen car. 

I am deeply concerned that after reporting this discrepancy, XXXX XXXX re-add the account to my credit history, adversely affecting my credit score. I urgently seek your intervention and assistance in resolving both the credit reporting issue and the lack of cooperation in recovering my stolen car. 

I appreciate your prompt attention to this matter and your assistance in rectifying these challenges. Thank you for your time and support.
Consumer complaint received 2023-08-07
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc (VA)

I have asked repeatedly for them to stop calling me. They call sometimes minutes before XXXX even after I've asked them not to contact me after XXXX. One women said simply we will continue to call. After asking her to cease and desist all communication, Indicating they are aware they are harassing me and plan to continue to do so. The debt is XXXX years old and I don't even agree I owe it. They call almost every morning or every night.
Consumer complaint received 2017-08-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (NJ)

This is in response to CFPB Compaint # XXXX I received notification that this complaint was closed based on TD Bank 's response. Why was it closed before I was contacted about their response?! TD did n't address the reason for the complaint. The point of contention I have is with the initial conversation I had with XXXX XXXX ( NMLS : XXXX ), a 'mortgage specialist ' with TD Bank . I knew I did n't qualify for a mortgage on my own as I had been a XXXX XXXX XXXX and was n't working full time in the most recent tax years so I my father-in-law was going to be my co-guarantor on the loan. XXXX steered me away from that and pre-qualified me for the mortgage after she got my current ( 2016 ) estimated income. As a result, my mortgage got declined after I had already spent nearly {$1000.00} on home appraisal fees, credit reports, and other fees and was left to deal with the financial mess while my wife and I were on our honeymoon. I 've contacted TD Bank numerous times and they have said they have reviewed the tape of the initial conversation I had with XXXX in XXXX of 2016. The person I spoke with said there was nothing on the tape that backed up what I said but when I pressed them about specifics they admitted they had n't listened to the tape. I want a copy of that tape. Since I contacted them in XXXX, I 've spent way too much time listening to them ramble on about how I was n't eligible for a mortgage based on my income but I knew that before I even applied and that was never the issue. Back in XXXX TD Bank also promised to send me a check for the nearly {$250.00} I spent on International calls trying to sort this mess out during our honeymoon. I have yet to receive anything from them.
Consumer complaint received 2024-03-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FMA Alliance, Ltd. (NC)

Per the the debt Validation letter that was sent to this company, I requested pertinent information. 

1. **Verification of Debt Ownership** : I am requesting a copy of the purchase agreement, delineating the terms and conditions of the transfer. *Refusing, or failing, to produce the purchase agreement will be treated as suppression of vital information.

2. **Chain of Assignment** : Provide a meticulous and chronological chain of assignment, elucidating the successive transfers of the alleged debt, including specific dates and the identities of the parties involved.

3. **Copy of the Bill of Sale** : I request a copy of the bill of sale pertinent to the transaction, outlining the transfer of the alleged debt with all associated particulars.

4. **Itemized Accounting of the Alleged Debt** : Furnish a detailed and itemized accounting of the alleged debt, encompassing principal amounts, interest charges, fees, and any other pertinent details.

5. **Copy of the Contract of Sale** : Kindly provide a copy of the contract of sale relating to the transaction involving the alleged debt, incorporating all terms and conditions governing the sale.

6. **Notice of Mandatory Arbitration** : In the event of any contemplation of legal action, I request explicit information concerning the existence of a mandatory arbitration clause. If such a provision is applicable, please furnish details on the initiation of arbitration proceedings.

Since debt collectors purport fraud at extraordinarily high rates the included items are necessary to the validation of this alleged debt. This company failed to provide item 1, item 2, item 3 ( without redacted information, also does not specify if it pertains to the alleged debt ), and item 5. This company has seemingly omitted pertinent information for its own gain and unjust enrichment. I demand the information that was requested.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (IL)

I have a number of credit inquiries on my credit reports XXXX & XXXX on XXXX, a few are from the same company on the same day. I didnt not gave permission for this to happen. When I called companies I was told my address doesnt match.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (GA)

I am reaching out regarding an account that is placed on my credit report. This account is an identity theft account. I have no knowledge of this account, yet this account is still on my credit report. I have submitted proper documentation to support that this account is fraudulent. This account is flagged as a charge-off/collection account. As a consumer, I am aware that this creditor was supposed to send my 1099-c from proving that this company has used my account to cancel out the debt and use it for tax purposes. Because they did not make me aware of this, this is considered tax fraud. I am also aware that because this account is a collection, I was supposed to be provided the orignial contract, the company 's errors and omissions policy number, the chain of title, and I have not been provided any of these things. This account has been hindering me and is causing me to harm my financial reputation. Please send me the appropriate documentation or delete this fraudulent account. This is ridiculous at this point. 

Wells Fargo/Dillards Account Number : XXXX
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NY)

In the last year our four separate statements I was charged too much interest. I have paid my credit card in full and am being charged almost {$100.00} in interest. My last statement of XX/XX/year> I paid {$200.00} less than my statement amount and was charged {$100.00} in interest. This issue continues to occur and go unnoticed by Chase to overcharge customers like me.
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (LA)

No longer to provide properly for myself. Because of my ailing XXXX  years old health condition, I can no longer work to provide for my needs. I can not meet the obligation of making timely payments as my lost income hindered any progress for me. I wrote and called and explained this problem and asked if they would help me. Any consideration you give this matter will be greatly appreciated. Thank you.
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (LA)

I reached out to Discover Loan after no longer being able to make payments. I am XXXX years old and my XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The necessities required at my age are not being met because my entire life has changed. I wish to be able to take care of these obligations. Ive had to move out of my home because I no longer have the resources stay there. I contacted them at XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX
Consumer complaint received 2024-03-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

I spoke with PennyMac and they told me to submit the documents they provided and that they will review it. I checked today and they said that they are automatically rejecting it without review and will continue to let my house get foreclosed on. I am trying to work with them to do a short sale and they didn't even consider looking at the forms I filled out.
Consumer complaint received 2020-06-25
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. (AL)

This is my second request to XXXX  as well as Experian on the XXXX of XXXX requesting a verification of the verified item they reported from the first dispute letter and giving them 15 days to response, as of yet i haven't gotten any verification nor deleted the items from my credit report
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

XX/XX/2023 XXXX XXXX ACCOUNT # : XXXX Dear CARTER-YOUNG INC , THIS lS A NOTICE TO CEASE AND DESIST. AS MY RIGHT UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692C ( C ) TO BE EXACT, I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COMMUNICATION WITH ME AND MY FAMILY AND FRIENDS IMMEDIATELY.

CEASE AND DESIST ALL NEGATIVE CREDIT REPORTING.

ANY FURTHER CONTACT BY YOUR COMPANY OTHER THAN A LETTER : 1. STATING THAT YOU RECEIVED THIS LETTER ; OR 2. WHAT SPECIFIC ACTION YOU INTEND TO TAKE ; OR 3. TO ADVISE ME THAT YOUR EFFORTS ARE BEING TERMINATED ; OR 4. TO REPOND TO THE DEBT VALIDATION AND VERIFICATION LETTERS, WILL BE A VIOLATION OF MY RIGHTS ACCORDING TO THE FDCPA AND I WILL FILE A COMPLAINT WITH THE ATTORNEY GENERAL AND THE FTC THANK YOU FOR YOUR PROMPT RESPONSE TO THIS REQUEST. 

SINCERELY : XXXX, XXXX NOTIFICATION IS COMPLETED UPON RECEIPT.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation (NJ)

ASPIRE investigation results contains information that is materially misleading, thus inaccurate. ASPIRE has stated that this account has been verified after your investigation but have not provided me with any instruments to validate the alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g Sec. 809 ( b ) .Be advised that an employee looking at their computer screen, seeing my name, address and/or other personally identifiable information listed in their database is NOT verification or validation of any alleged debt ( s ). Validation of debt is competent and valid evidence that I have some contractual and lawful obligation to pay you. Please note, a copy of the consumer credit contract is not sufficient to validate a debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account 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 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 

I am again very concerned about the validity and accuracy of your recent investigation.Pursuant to 15 U.S.C. 1692g, I am instructing you to provide me with the Method of Verification for the account.This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is NOT a request for a reinvestigation of the previous dispute. This is a request for the Method of Verification where the following items should be provided to ensure the validity of the account.Please see attachment for the list of items of my request.
Consumer complaint received 2021-11-27
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

i have never been late on a payment in my life. due to the recent virus a bank of america card was paid a lil later. this was not my doing, i ask for forgiveness due to the pandemic and i will do anything to clear my name.
Consumer complaint received 2020-05-09
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. (SC)

I have sent 2 separate letters on XX/XX/2020 and XX/XX/2020 asking for verification of multiple fraudulent and questionable items on my credit report and have not received back anything in over 90 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused a major stress on my life and loss of wages.