davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WI)

Ive been a PAYING CUSTOMER of coinbase ( a bitcoin exchange platform on the internet ) since XX/XX/2017. I have had nothing but problems with coinbase.

Thier site is CONSTANTLY broken in most araes concerned with withdrawing money. No issues depositing money of course but good luck getting YOUR REAL MONEY off of their platform!

The newest SCAM coinbase is running is out of no where, restricting accounts. This wont allow for sells/buys meaning I have zero control over my REAL MONEY. My money is trapped and I want it ALL asap. XXXX $ I have TRIED contacting coinbases " support '' SEVERAL times both via email at coinbase.com/support and via the given telephone number. Ive gotten ZERO response from either. I called 5 times over 3 days holding a total of 72min. No answer EVER because there is nobody there to actually pick up. Sounds good and looks good but ZERO results or human contact. Coinbase uses a bot for their support who cant answer/solve my problem and refers me to the unanswered telephone number. Run around. 
I want my REAL MONEY at its highest earning level achieved ( XXXX $ ) off their platform ASAP. 
I want coinbase legally prosecuted and taken off the internet to STOP the scams they are running. 
Coinbase has over 193 NEGATIVE reviews on XXXX and only 11 positive. 
Where is the SEC, Consumer Protection Agency, Attorney General, ANYBODY getting paid by tax payers to prevent just this XXXX?
Consumer complaint received 2021-08-06
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)

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (NV)

On XX/XX/2021 I have received an email from some kind of collection agency I do not recognize. Claiming I owe a debt of {$1700.00} from a XXXX  XXXX that I never had in my life. In the email it clearly states to dispute or pay the amount owed. I click to dis put and the information with listed address is all wrong. 
When I reached out to the collection agency, they said they can not sue or report to credit agency for an old debt but wants me to pay for something that I never had in my life with all the wrong information provided in the email. I have told them numerous of times that I never had a XXXX  XXXX nor resided at the address listed. Now they are mailing me a bill that dont exist that they claim exist over 30 years ago.
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

S sometime in XX/XX/2021 I dropped something on my glass stovetop and damaged it. I went online and found XXXXXXXX XXXX XXXX talked to a person ( XXXX  ) and she gave me a good replacement charge. I gave her my info ( credit card ) and she said she will send me an invoice in the next few minutes. when I did not receive an invoice in. several hours I called back and was told there was no order placed in my name and no one by name of XXXX worked there. I told him to cancel the order if they found it a and I no longer wanted the stovetop. several weeks later I received this large box with a damaged stop top from their return dept ( shown on their label ) I called many many times and never spoke to a person usually their hung up on me as soon as I gave my name.I reported this to Chase Bank and they took charge off my account. A couple of weeks later the charge appeared on my account again. I called Chase and they said it was a billing dispute.I contacted XXXX  and told him what had happened, XXXX issued a label and returned it to XXXX XXXX told me there was no charge to me because the stove top was damaged in-transit and they were responsible. I submitted this to chase with all info tracking. nbr, proof of delvy to XXXX but they say it's a billing error. Please help
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

There is a XXXX XXXX bankruptcy from 2014 reporting on my credit report. When the bankruptcy was disputed, I received a letter back from the credit bureau stating that the bankruptcy information was verified by XXXX XXXX. I contacted XXXX XXXX and asked them to confirm and validate the record of XXXX XXXX bankruptcy being reported on my credit report. XXXX XXXX responds with a report showing that they do not have a record of any kind of bankruptcy under my name. I was also a part of a class action lawsuit against XXXX XXXX for providing inaccurate information to the credit bureaus and similar entities.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Equifax has not updated my credit score this month and is reporting my credit utilization on my credit cards incorrectly. My credit card company confirmed that they report on the XXXX of every month and they have yet to report this information.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (MI)

I paid this card off. There was {$29.00} dollars of interest on the card that I was not aware of. I never received a statement. I didn't even know it was there - as far as I knew, I had paid my balance down to XXXX. 
They reported this as a 30 day late in XX/XX/2020 onto my credit report. They wouldn ; t work with me at all on fixing this. This is an outrage - we are in the middle of COVID and I found a way to pay this card off and I still got hit with a late. 
Absolutely ridiculous! 
The card is paid off in full at this point. I have always made my payments on time on this card and this interest was never told to me when I called.
Consumer complaint received 2021-08-06
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Rausch Sturm LLP (AZ)

Repeated, unwanted and voluminous numbers of phone calls to my cell phone from Rausch Sturm ( located in Wisconsin ). This company has called my cell phone repeatedly and on a daily basis using a myriad of different phone numbers intended to appear from area codes in the XXXX, Texas area. Generally the calls appear in the afternoon, however, today on XX/XX/2021 I had yet another phone call from them with an originating number of ( XXXX  ) XXXX that rang at XXXX which woke me from my sleep and disturbed my peace. 

I do not have any valid, outstanding debt and there is simply no reason for these endless phone calls at any hour of the day, especially at XXXX. 

This debt collector is using unscrupulous methods to contact individuals by hiding behind many different phone numbers with multiple area codes as well, which has an unfortunate effect when I can not simply block one phone number and silence the endless array of phone calls due to the calls originating from alternate phone numbers. 

I have evidence of this call at XXXX and will gladly seek legal representation and file suit against Rausch Sturm if this issue persists, but I am hoping the CFPB will take action against them first.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BELMONT FINANCE LLC (NC)

I need this ( Belmont financial Account # XXXX ) account remove because its showing different dates of last activity to all three credit bureaus the dates are wrong and its just showing In accurate account info payments is also wrong and I thought by law the creditors suppose to report the right information all 3 creditors is showing inaccurate info XXXX XXXX 3 different dates and I dont have a balance so why is it still on my report & XXXX XXXX showing 3 different dates and inaccurate info as well ... I need them remove.
Consumer complaint received 2020-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NY)

I am still waiting to resolve my dispute with Fedloan regarding my identity theft application however, upon further review of my account online 2 of the 3 loans are showing up as cancelled disbursements. 2 of the student loans show the disbursements were cancelled yet I have still been responsible for the entire  balance of all these loans and when I asked Fedloan for further info they havent addressed it.
Consumer complaint received 2018-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (FL)

It seem like XXXX is trying to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. XXXX claim that I own them money. I really believe that XXXX being discriminated against me because I'm a XXXX male. XXXX have not given name and address of the original creditor. I am requesting XXXX to please stop trying to collect money on a false account and stop putting false information on my credit report.
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (SC)

15 US C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CT)

I was experiencing a lot of problems with their website. I had to call their technical support, they too had trouble helping. I then was able to add my checking account, struggled to make a one-time payment, and then setup autopay. 
AutoPay did NOT work and I got stuck with a fee. I immediately logged back in as soon as I received an e-mail from them and paid 4 times as much as the required payment, then again re-setup autopay ( it took two attempts again .... ). I called today to discuss this with the customer service representative whom was extremely rude and provided ZERO assistance. Additionally, it appears that they dropped my credit line without any notice, nor could he say why. Horrible company to work with.
Consumer complaint received 2018-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (NJ)

I paid off a debt to a collection agency named AFNI and the credit bureau XXXX refuses to remove it from my report. I also paid off my XXXX account and they continue to say it is delinquent. I have proof of payment for both of these debts. And the credit bureaus continue to ignore this and refuse to remove these accounts from my credit report.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

My credit reports have three Negative connotations. They are defined as : serious delinquency.They happened in 2012, when I was a new XXXX, and I didn't know about the country 's credit system. 
The three accounts about because of events in life, I live in the United States at that time, my father is XXXX XXXX XXXX living in XXXX, he suddenly became very ill, I have to leave the United States, to return to XXXX to look after him, I remember I was the second day of the news on the plane left the United States, this led to I didn't arrange the rest of the things. 
Now that I know the existence of these three credit reports, I regret it and start paying them back. 
They've been around for six years, and I've learned that I can't buy a car or apply for a credit card for six years, which makes my life very difficult.I can't live in a city without bus or subway, because I can't buy a car. 
My sincere confession, hope to get your understanding, please don't let the three credit report affect my credit, I just want to buy a car loan, because can't buy a car, my life has become very difficult. 
I believe that the credit report is more for education and correction, not just for punishment. 
I know according to the rules, there may be 1 to 2 years they will eliminate these, but I sincerely hope that you can now in this way, because I got enough lessons, me and my life is going to collapse. 
I am willing to pay all the arrears or fines that I need to repay, just hoping to delete their influence, let me apply for a car loan, and then go to work and life.
Consumer complaint received 2018-06-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (GA)

XXXX XXXX get information from other company 's records that are no longer in use, records that have been filed in bankrupty or debts that actually do not exist. Since XX/XX/XXXX they have called me at minimum 28 times from various phone numbers.XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I received a credit alert today and they have placed a collection on my credit report. In XX/XX/XXXX CFPB ordered XXXX to stop there deceptive debt collection practices they haven't. They specifically prey on minorites and women and I am both, a WOMAN and MINORITY, they prey on this demographic becuase they feel we can easily be intimidated into paying money I do not owe the debt and want them to release me from it and to stop harassing me and remove it from my credit report.
Consumer complaint received 2018-06-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (UT)

XX/XX/2018, my payment was due for my student loan. I have been making regular payments for a year and some. I have however experienced a hardship and lost my job. We were strapped for money. I had to miss and delay some payments in order to meet our more important needs. Sallie Mae has continued to call me 5+ times a day, my husband as well, about the payment since the first day of the missed payment. XX/XX/2018, I called Sallie Mae to tell them to stop calling me 5+ times a day and informed them of my hardship. They didnt listen to my problem and said the calls will continue until you pay. I called for a manager and told them to stop the calls, but they still call my husband.
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

I recently applied for an apartment in XXXX, TX and when they did a background/credit check I was told that I had an outstanding collection with Procollect, Inc. for {$3700.00}. Decided to pull my credit report from home, saw that the collection dates back to XX/XX/XXXX. Original creditor : XXXX XXXX XXXX XXXX . Account # XXXX or XXXX. Does not state as to what the collection is for, non-payment of rent or property damages? 
Tried contacting Procollect, Inc. @ ( XXXX ) XXXX and ( XXXX ) XXXX more than once, never received a callback. Yet, I noticed that when I filed a dispute through all 3 credit bureaus that my credit report now shows a Recent Delinquency Date : XX/XX/XXXX and XX/XX/XXXX. How? Why did they update/add recent delinquency dates without having contacted me in the first place? I have never received a letter in the mail informing me about the collection, nor have I received any calls. 
This is the only thing that is not allowing my rental application to go through. And I have a very short time frame to validate this alleged debt collection. My income is also limited due to the recent Covid-19 Pandemic and can not afford to pay off the entire collection that they say I owe. However, I am willing to make a settlement payment for this alleged collection in good faith that they then will remove the collection from my credit report, as well as provide me with debt paid verification letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX This complaint was filed on XX/XX/XXXX
Consumer complaint received 2019-08-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I purchased a mobile home together with the lot and closed on XX/XX/2019.  The attorney obtained a payoff demand letter for balance due of $XXXX (see attached) from the lender, Mr. Cooper aka nationstar. The closing agent/attorney wired the funds and was accepted by lender.  The lender has failed to release the lien against the mobile home as of this date even though it is required by state of Florida to file release within 10 days of payoff (see attached state form).  My attorney has requested number of times (see attached emails) for the release but get the run around.  Without the lien release I can't have the mobile home reg. in my name.  Further more the county tax collection won't let me retired the home to the lot.  I can't sale the property either.  I do hope the bureau can assist me in this matter and have the lender release the lien for which they took my funds for.
Consumer complaint received 2018-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

FLAGSTAR BANK Account number XXXX ... .- reported a 30 day late to the credit report when in reality the property was sold and payment in full was received by them before the end of XXXX!! this has caused a great damage to my credit. And in my numerous attempts to resolve this issue with Flagstar all I received was computer generated letters stating they could not locate my file and information provided does not match their records.. total ignorance and violation of F.C.R.A. rules and regulations ...
Consumer complaint received 2018-02-22
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Peoples Commerce Inc (PA)

XX/XX/2014 I was finance a car people commerce inc and I was paying my note never missed a payment I had a car accident and the car was tolled away the people from XXXX XXXX XXXX was suppose to put the car up and repair it and give me a laoner I called every day about the car I'm was put on hold or was told someone would call me back so I played the cat and mouse game with them for a couple weeks the whole time I was out of work because I didn't have a car the only time I receive a call from, the was when it was time to make a payment here it is 4years later I still have not heard anything from them but they put it on my credit
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXX J went to XXXX to buy XXXX XXXX XXXX . I have told them that I want to finance it through my Barclaycard Apple rewards card. They have made a charge. My first statement went out fine as it should without any APR charged yo my account. But after I got second statement I was already charged APR 21.85 . I have called Barclays and they told me that I have to call them before I make purchase to make it promotional, but nobody has told me that and my first purchase year ago was promotional without any call. Plus all this happened 45 days after I have made a purchase and they cant change it to promotional purchase due to exceeding 30 days period. Sounds like a nice trap yo me.
Consumer complaint received 2019-10-22
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: EQUIFAX, INC. (FL)

Accounts that are incorrect are reporting on my credit reports 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 2020-06-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC. (CA)

I had a lease with Ally Financial XXXX XXXX ext XXXX on a XXXX XXXX XXXX account XXXX. I returned the car and the bill me {$4200.00}. I have received an offer from XXXX XXXX XXXX XXXX XXXX account for {$2500.00} that I paid on XX/XX/XXXX. I have call Ally over a month to get a paid in full letter or a delation letter to updated my credit report. I'm in the process of purchase a house for my family and this company and reps they have not update the account nor give me my letter request. Every time that I call they promise the letter by fax or email with no results.