davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sortis Financial, Inc. (NY)

I started to receive letters from Clear Spring about 1 year ago asking for payment of {$5300.00} with no explanation of where the debt was incurred, I have asked for signed contracts with no response, I have been fighting to get this removed from my credit reports as I can not cosign student loans for my daughters. 
I recently received a letter saying I can settle the claim of {$5300.00} for one payment of {$530.00}, this company has provided no documentation nor  contract and I am not about to settle on an account that never existed
Consumer complaint received 2018-01-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

I have a Bitcoin account with XXXX/Coinbase. I sold a large sum of Bitcoin recently, over {$700000.00} worth to be exact. They have a daily limit of {$10000.00} for withdrawals to a checking account. They also have a notice that if you need more, simply fill out a form. On XXXX XXXX, 2017, I submitted that form. I am in the process of purchasing a new home and the relocation company that is selling the home requires that I have the money in my checking account, as I am paying cash for it. The relocation company is getting anxious in that they believe I am trying to defraud them in some way. I 've sent XXXX/Coinbase several emails in addition to the form I submitted previously telling them that I am trying to purchase a home and that I need MY funds that are sitting in my account. They always respond with a reply stating that they are very busy and will get back to me shortly with an answer. 

I need MY money and see no reason why there is a limit to how much I can withdraw in a day. I started several days ago withdrawing {$10000.00} each day but this will take me 70 days and I 'm sure the relocation company will not wait. 

Can you help me? Like I said previously, I see no reason as to why they can not at least give me total access to MY funds.
Consumer complaint received 2018-01-06
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: CORELOGIC INC (CT)

See complaint XXXX for more information. On XXXX XXXX, 2017 there are 2 hard inquiries on my credit report for CREDCO which appears to be through XXXX. XXXX  contacted me via phone because I was looking to refinance my mortgage. I spoke to XXXX XXXX who was very rude and pushy and he completed an application in my name which I did not request and then he did a credit check as well. I contacted him and he said it is there protocol to submit applications when someone is looking for rates but I did not ask for rates. I told him I was not interested and he did it anyway. I also emailed his supervisor and never got a response.
Consumer complaint received 2018-01-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Northland Group Inc (SC)

This company says that I owe a debt from XXXX XXXX. Not only do I not admit to or know this debt, I was a victim of identity theft. I went on the federal website to submit my information and complaint about being a victim of identity theft. I told this when they called me threatening me with jail, and embarrassing me in front of my employees. I do n't know this debt and it was opened in my name and fraudulently and even after an address change request they still ignored my request. It 's not my debt and I wish the original, wet ink signature sent to me before we talk about whatever this bill is and if this goes in my credit report I will seek
Consumer complaint received 2018-01-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NE)

Problem Narrative:

Using the LTC virtual currency address provided by Coinbase (XXXX) I transferred XXXX LTC virtual currency from an external exchange (XXXX) to Coinbase. Coinbase accepted the transfer on their web site and attempted to transfer to XXXX but the transfer stuck in the process. However, Coinbase states in their automated mail the coin WAS transferred, but the evidence below shows very clearly it has not cleared.

Here is the currency audit trail from XXXX  XXXX to Coinbase proving that Coinbase has the XXXX worth of LTC on their exchange:

Completed
2018-XX-XX XXXX
LTC
XXXX
Address: XXXX
Txid: XXXX 

Here is the mail Coinbase provided to me after they got the funds:

You just received
XXXX LTC
You just received XXXX LTC (worth $XXXX USD) from an external Litecoin account. It may take up to 6 network confirmations before your Litecoin is available to trade.

Checking the blockchain, the transaction obtains all confirmations.

Here is the notification they sent for the Coinbase XXXX  transfer:
(Also, note this is an internal process that Coinbase conducts, not the customer)

You just sent
XXXX LTC
Congratulations! You have successfully sent XXXX LTC (worth $XXXX  USD) to XXXX using Coinbase.
This withdrawal is being sent to an address ("XXXX") that you haven't previously used.



Upon verification of the funds, noticed they were in a PENDING state. Waited 24-hours with no response from support. Have emailed multiples times each day since with not response. They are not taking calls on their XXXX  number. No response from their XXXX XXXX account. I have also filed a BBB report and no response with that action. I hated to resort to this action, but unfortunately I have no other recourse to retrieve my funds.


Here is the transaction details for Coinbase transfer from their Coinbase wallet to XXXX  exchange:

deposit
XXXX XXXX - XXXX XXXX, 2018 UTC
Consumer complaint received 2022-10-04
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. (TX)

This is XXXX XXXX, and I am submitting this CFPB complaint to request to the Credit reporting Agencies to remove the disputed accounts completely from my Credit File. I sent a letter requesting that the Credit Reporting Agencies reinvestigate the disputed accounts from my credit report as well as remove from my report during the investigation period. As of this date, the Credit Reporting Agencies have failed to respond to my request. Again, please reinvestigate if the following accounts that are inaccurate, incomplete and outdated : XXXX XXXX Balance Owed : {$0.00} This account was already deleted from the other Credit Bureaus and XXXX Credit Bureau have no rights to continue reporting this account. According to FCRA, Credit Reporting must be accurate. I need XXXX to remove this account immediately. 
XXXX XXXX XXXX XXXX : {$0.00} Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law.
Consumer complaint received 2018-01-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (AZ)

As I was checking my XXXX XXXX account i noticed that a collection account had been added to my credit bureaus. I never received any type of notification from AFNI which would allowed me to dispute the account. They claim the account was opened XXXX of XXXX and I have n't had a cable tv/internet account since XXXX.
Consumer complaint received 2018-01-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

Hi, One more than one occasion, Navient has offered to lower my interest rate ( my rates for my private loans are : 5.9 %, 6.1 %, 9.8 % ). They do this over the phone, asking questions about my salary and bills I pay each month. Each time, I go through the entire process ( at least 5 minutes of questions ) and am denied. I can not afford my monthly payments, I have been on interest only payments for 7 years.

I do not understand the process they choose to lower interest rates. I have never missed a payment and have a perfect credit score. 

Just by knowing they offer lower rates, I do not understand why they wo n't lower mine. I find my interest rates REDICOULSY high and would like to renegotiate. 

Thank you!
Consumer complaint received 2018-06-05
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. (MD)

I previously tried to have the 3 CRA 's to update my credit report showing the deletion of my Discharged CHXXXX and all accounts that were associated. On XX/XX/XXXX, XXXX deleted and removed item from their credit report. ( Report # XXXX ). According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items below must be updated to reflect the deletion of the bankruptcy. XXXX has updated credit report showing their deletion of bankruptcy but not the accounts associated to the bankruptcy below. XXXX and Equifax has not deleted discharged CHXXXX or accounts associated. 

Account Name XXXX Account # XXXX Account Type Bank Credit Cards Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High Balance {$520.00} Limit {$520.00} Terms Revolving Account Name XXXX XXXX Account # XXXX Account Type Mortgage Companies Balance {$240000.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Open Mo. Payment {$1700.00} Payment Status Current, was past due 30 days High Balance {$0.00} Limit {$0.00} Terms 480 Months Comments **CONSUMER STATEMENT** PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Type Credit Unions Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High Balance {$0.00} Limit {$0.00} Terms 72 Months Comments **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED
Consumer complaint received 2017-07-28
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. (FL)

I have also spoken repeatedly to different agents throughout this process. The last being XXXX ( agent # XXXX ) and her supervisor XXXX who didnt provide his agent number onXX/XX/XXXX ; however, he stated, because I was sent the confirmation the inquires would be removed and I would be sent a new confirmation letter showing the items would be removed but could not provide a confirmation # before speaking to an agent today XX/XX/XXXX, who told me the last agents made a mistake. He did not research this information. I have provided Equifax with XXXX XXXX contact information, XXXX XXXX is the head contact person at XXXX XXXX XXXX XXXX Investors. She provided me with the letter sated the credit application was submitted in error. He informed that these items would be removed, not only because I have been dealing with this issue since XX/XX/XXXX. I have a letter that was sent to me from Equifax attached that these inquires have been removed dated XX/XX/XXXX. Since todays date the inquiries are still there. Please this process has been time consuming and mentally draining. I have done my part now they need to do theirs. XXXX and XXXX have deleted these items with the letter provided and speaking to XXXX XXXX @ ( XXXX ) XXXX or XXXX Thanks for your attention to this matter. XXXX XXXX XXXX
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (ID)

I have experienced many issues with Ditech who now has my former Green Tree Financial loan. The first issue was a loan I had on a second residence, when the economy turned bad I had asked lender if possibility of rate reduction since I had never missed a payment, I was told only way to reduce anything was for me to miss a few payments before modification could be started.And if I did n't lender would move to repo department for repo process, lender was very aware I had not missed payments prior to me telling them my business was in trouble asking for assistance. In the end I brought a buyer for my home and was told loan would show on credit as paid in full as if I paid it in full. That loan is not reported properly on my credits, and now i find out after a phone conversation on XX/XX/XXXX with Ditech that my current home loan with Ditech Loan # XXXX is reporting past due payments on all credit reports. Ditech told me in XX/XX/XXXX this was fixed and now we find out nothing has been done. I received an email at XXXX XXXX XXXX on XX/XX/XXXXafter my call the previous day stating loan never late, Header on letter says VERIFICATION OF MORGAGE. To date my current home loan has never been late. Due to this issue I am not able to move forward buying my new home. This company is a BULLY and I ask for your help in this matter.
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 — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

OnXX/XX/XXXX My Older Brother was looking to purchase a new vehicle ( XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX and He decided to finance the vehicle. It was n't even 24 hours and He noticed the navigation of the vehicle was n't working and the right front bumper of the vehicle was already falling apart. So, He decided to return the vehicle the very next day because of this Issue And as of today XX/XX/XXXX I 'm still seeing XXXX XXXX XXXX on my Credit Report from Both XXXX and XXXX I Co joint with my brother to Finance the vehicle. I 'm seeing XXXX XXXX XXXX on my Credit Report and the Finance Companies that XXXX XXXX XXXX applied for me. XXXX XXXX is on of the Hard inquiries on my Credit Report. He did n't have the vehicle for more then 24 hours and It 's still on my credit report today XX/XX/XXXX. I hope this issue gets fixed. If you have any questions please do not hestiate to call me ( XXXX ) XXXX
Consumer complaint received 2022-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

In XXXX my XXXX  and I were advised to jointly consolidate our XXXX and graduate loans. Looking back we recognize we were not fully advised of what this meant and that we would be locked in to the consolidation. I worked in public service for 14 years and have not been able to qualify for XXXX. The root of my complaint is the handling of my Joint/Spousal Consolidation and PSLF qualification. With the recent passing in the House to separate joint consolidated loans we may now be in a situation of not being able to make the deadline of the XXXX waiver on XX/XX/XXXX.
Consumer complaint received 2018-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

I received my JC Penney credit card within the past week or so, and after closer inspection of my welcome packet I noticed that the information sent to me was in Spanish. 
I do not speak Spanish, and have a hard enough time with the English language to take on another language. So I called the customer service number on the back of the card and asked to speak with a supervisor. 
I did not write down her name but I had to go through other people to get to the supervisor. The phone call was placed on XXXX XXXX, 2017 at XXXX XXXX PST and lasted for 13 Minutes and 26 Seconds. I explained the situation and asked that the information that was sent be re-sent in the English version. I was informed that that was not possible, as they do not resend welcome packets, but I could go online and read the information online. 
I told the supervisor that that was unacceptable and that since I could not read the information sent to me that I was not liable for the charges. I did make charges to my card on the XX/XX/XXXX using the temporary card that was provided on opening the account. 
Supervisor claimed that I selected Spanish while opening the account. I can state for a fact that I did not select Spanish. Customer Service person may have but I did not. I also asked for a {$50.00} credit to my account for my inconvenience, and this was refused. 
I was told that going forward all correspondences would be in English, however the important information and coupons sent would not be re-issued in English. 
You may want to ask them to pull my phone call see above for time and time call was placed and for duration of phone call.
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 — Account information incorrect
Company: CITIBANK, N.A. (NY)

My Sears Credit Card, issued by Citibank North America REFUSES TO REPORT MY ACTUAL PAYMENTS PER MOUNTH I WAS MAKING AND TO INCLUDE THEM IN THE BALLANCE HISTORY OF THE THREE CREDIT BEAUROS. Instead,  Citibank North America sent me a letter stating that only the balances, minimum payments required and defaulted payments will be reported. 

I disagree! Bellow is the copy of my XXXX SEARS/CBNA XXXX XXXX XXXX XXXX, SD-XXXX as reported by XXXX XXXX: 


Account Number: XXXX   Status: PAYS AS AGREED   
Account Owner: Individual Account.  High Credit: $XXXX    
Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card.: Revolving Credit Limit: $XXXX    
Term Duration:   Terms Frequency: Monthly (due every month)  
Date Opened: XX/XX/XXXX Balance: $XXXX    
Date Reported: XX/XX/XXXX Amount Past Due:    
Date of Last Payment: XX/XX/XXXX Actual Payment Amount:    
Scheduled Payment Amount: $XXXX    Date of Last Activity: XX/XX/XXXX   
Date Major Delinquency First Reported:    Months Reviewed: 2   
Creditor Classification:   Activity Designator: N/A   
Charge Off Amount:    Deferred Payment Start Date:    
Balloon Payment Amount:    Balloon Payment Date:    
Date Closed:    Type of Loan: Charge Account  
Date of First Delinquency: N/A 
Comments:   


As you may see, Actual Payments are not included, the balance history is incorrect. All of the above reporting is a violation of FCRA.
Consumer complaint received 2018-01-08
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (PA)

The company is calling multiple times per day. Including back to back. We asked if they could lower the payments or extend the lease and they said lowering the payments was not an option and we could only put a month at the end of the loan. We were honest and told them we wouldnt be able to afford it due to a job loss and they said nothing we can do. 

So as we continue to get behind, we have spoke with them regarding the fact that they have called local businesses looking for us and questioning them. Since we are in a small town this was a bad move on there part. They have also questioned and called my neighbors and employers multiple multiple times. We even told them if they continued that we would consult an attorney. They have continued. We told them to take the car. We are done. Between the excess in phone calls, the inability to work with is, the public embarrassment, and harassment of our neighbors this is crazy. The creditor is ford motor credit
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: JPMORGAN CHASE & CO. (LA)

I had a girlfriend for 6 months, I moved back home, out of state and the primary card holder, order credit cards and also requested authorized user cards in my name. I have never seen or used the cards and had no knowledge of the cards being ordered. This was done in a attempt to get me, to come back, from out of state. She used both credit cards. And she became late, on her payments. I spoke with her and she had settled the debt and paid them off. The Chase card account number XXXX and a XXXX card number XXXX, was opened s well, with me as a authorized user. As a authorized user, I was never responsible for any debt, charged to these accounts. I have never enter into a signed or verbal card holder agreement as a responsible party. In addition I have never spoke with anyone for either of the creditors, with regards to receiving cards. These cards were issued by the creditors, without my permission and to date they have my personal information, without my consent and are reporting negative items, on my credit report illegally, as I have never entered into a agreement with either party..In addition, to that fact, when the primary card holder, became late on the payments, I never received any notice of me, being a authorized user or that the payments were late and/or past due. This is do to the fact, that the creditor, had no phone number or mailing address, because I never had any contact with them. 
The credit bureau has report these items on my credit report with a having any documentation or signed agreements, by all parties in hand as required by law. In addition, XXXX has reported items om my credit report, without verifying that the debt was actually my debt and placed the items on my report, from the creditor, on face value, because both parties a gaining enrichment from the negative items on my report. The credit bureaus is being paid to report the negative items and the creditor are party of a system, where each member ( s ) of the banking/credit system. Gain higher interest off of the negative items, place by their counter part, by charging higher interest. This is a conspiracy between the bank/creditor and the credit reporting bureaus.If there is no resolve with this matter, it is my intent to take this matter, to federal court and criminal court, to the fullest, extent of the law. Including damages.