davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc. (CA)

in accordance with the fair reporting act XXXX account # XXXX, has violated my rights.

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 602 A SSection 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MI)

Money laundary happened in Coninbase the following is what I wrote to Coinbase on XX/XX/2022 XXXX, XXXX, 2022 Coinbase Inc. 
XXXX XXXX XXXX # XXXX XXXX XXXX NY, XXXX To Whom It May Concern : Re XXXX XXXX loss due to Coinbase platform not working properly Between XX/XX/XXXX to XX/XX/XXXX of year 2022, I made 10 times wire transactions from my bank account to my Coinbase account for total {>= $1,000,000} USD. ( if transactions history during the period is needed, I can submit it. ) When the fund was wired into my Coinbase account each time, I bought USDC with US dollars. I sent USDC from Coinbase platform to another trading platform XXXX XXXX XXXX XXXX XXXX, respectively. I did 10 times transactions. 

Because that trading platform is automatically connected to Coinbase, I did not suspect any fraud at all. I made withdrawal transactions 4 times over 2 months period using Receive in Coinbase. The total received fund worth {$6300.00} USD On XX/XX/2022. I tried to receive some funds from XXXX. It never reached my Coinbase account this time. On the evening of XX/XX/2022, my account at that platform was locked. 

I trust Coinbase which is a public traded company, so I used any provided functions from Coinbase do crypto trading. The problem in Coinbase caused my huge loss, {>= $1,000,000}. 


My actions : During XX/XX/XXXX to XX/XX/XXXX, I contacted customer service at Coinbase, it did not resolve anything at all. 
On XX/XX/XXXX, I called local FBI office and was advised to file report online, XXXX, I did file the report on that day. 
On XX/XX/XXXX, I sent a complaint letter to Coinbase by certified mail. the company received it and did not get any response at all. 
On XX/XX/XXXX, I filed a complaint against Coinbase on XXXX  website with case ID. the progress for this complaint seems going no where. the coinbase would not admit any wrong doing. 
On XX/XX/XXXX, I sent complaint letters to atterney general of Michigan, US senators, US distric congressmen, got feed back from congresswoman and asked to file a complaint on this site.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-04-27
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DriveTime (AL)

I have several credit inquires on my credit file that I do not recognize. I sent letters and emails to all the creditors listed below to have these inquires removed from my account. I have also disputed them through XXXX. These creditors have refused to work with me to resolve this issue and XXXX has not been able to help as well. I did not authorize or give permission for this creditors to pull my credit. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ) - DT Credit ( XX/XX/2021 )
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the Fair Credit Reporting act, XXXX Bank act # XXXX, has violated my rights.

15 U.S.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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-27
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. (CO)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights.

15 U.S.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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2022-04-27
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (VA)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : U S DEPT OF EDXXXX / {$3000.00} / XX/XX/2022 U S DEPT OF EDXXXX XXXX {$6000.00} XXXX XX/XX/2022 U S DEPT OF ED/XXXX  / {$8300.00} XXXX XX/XX/2022 U S DEPT OF EDXXXX / {$6100.00} / XX/XX/2022 U S DEPT OF ED/XXXX XXXX {$2500.00} XXXX XX/XX/2022 U S DEPT OF ED/XXXX / {$5000.00} XXXX XX/XX/2022 U S DEPT OF ED/XXXX / {$3900.00} / XX/XX/2022 U S DEPT OF EDXXXX XXXX {$2500.00} / XX/XX/2022 U S DEPT OF EDXXXX XXXX {$6200.00} XXXX XX/XX/2022
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX I sent an investigation request letter to TransUnion Consumer Solutions, about the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


I asked for verification on, if all the accounts referenced were reporting 100 % accurate information, because i wasnt sure that they were. 

I also asked that, if any account werent reporting accurate information, then the account in question be removed according to 15 U.S.C. Sec. 1681i ( a ).

This request to TransUnion Consumer Solutions happened over 30 days ago and i still have not had a reply, which is a direct violation of 15 U.S.C. Sec. 1681i ( a ).

In accordance with 15 U.S.C. Sec. 1681n ( a ), I have the right to charge {$1000.00} for each violation or failure to comply with the rules in 15 U.S.C. Sec. 1681i ( a ).

I will attach a copy of the sent investigation request letter.

I will attach a copy of the invoice for the violations of each account.
Consumer complaint received 2022-01-13
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: NAVY FEDERAL CREDIT UNION (TX)

Accounts in question : XXXX XXXX XXXX I reported these accounts as fraud ( attached police report ). The accounts were removed as requested by me however no investigation was done by the credit bureaus or Navy FederaXXXX. Shortly after the account was placed back on my credit report without my notice or consent. I asked for the accounts to investigate and removed due to fraud. Navy Federal refused to investigate and provide me with original documents and statements to prove their claims. My requests were ignored which is a violation of my consumer rights. 
I sent a repeat FTC report and cfpb complaint regarding the fraud account and the accounts continued to be reported on my credit report. This is another violation of my consumer rights. 
Furthermore, I have informed Navy federal to cease communication on these fraud accounts. However, my requests have been ignored and I am still harassed several times a day for years by a robocaller phones number leading by to Navy Federal once answered. To my knowledge, this is also a violation of my consumer rights.
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NM)

On XX/XX/XXXX I received a call from Wells Fargo Bank XXXX. to finish up the process of opening a checking account for mine and my wife 's business. We are currently XXXX  due to our last landlord in XXXX, New Mexico being Condemned by the City of XXXX on XX/XX/XXXX due to the landlord neglecting to keep up with city codes and regulations for buildings by maintaining the maintainence on our apartment and there was a hole in the ceiling and floor as well as XXXX all over the place and we won't have another place to live until XX/XX/XXXX so we live in a XXXX XXXX day to day until then. Well we gave the bank our mailing address due to that as our address because it is our only address right now. We told the bank that our mailing address is our only address right now due to the reason we mentioned above in this complaint and they flat out told us " XXXX  shouldn't be allowed to own a business & definitely shouldn't be allowed to have a bank account let alone a business banking account. And it's bank policy if you don't have a home address we can refuse to open an account coz you have to have a home address not a XXXX XXXX period so because your XXXX  we are denying your application for a business bank account and your barred from getting an account from Wells Fargo ever again due to you being XXXX We will be deciding to close out yours and your wife 's personal accounts as well coz your XXXX isn't welcome to bank with us.
Consumer complaint received 2022-04-11
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. (OH)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX ( XXXX ) Account # XXXX ( XXXX XXXX ), has violated my rights. 

15 U.S.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 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1693 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse or harass at the called number.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

-any state territory possession of the United States , the district of Columbia , the Commonwealth of Puerto Rico or any political subdivision of any of the foregoing.

15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt.

15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.

15 U.S.C 1692 d ( 2 ) the use of obscene or profane language or language the natural consequences of which is to abuse the hearer or reader.
Consumer complaint received 2022-01-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

I am writing to inform you of an unfortunate and unethical situation that happened to me and i wanted to know if there was anything that could be done to assist me in this matter. i owned a property on XXXX XXXX XXXX. XXXX, NY XXXX that was subject to foreclosure proceedings. I was greatly impacted by the pandemic and unfortunately i was unable to keep up with the mortgage payments. I, reached out to the mortgage servicing company ( Shellpoint Mortgage/ NewRez LLC ) to explain my situation and to work out a short sale. I provided all the hardship/assistance documents requested by Shellpoint Mortgage and as of XX/XX/XXXX we had a fully executed contract for a short sale. Shellpoint Mortgage and XXXX XXXX intentionally delayed the short sale approval multiple times and subsequently sold my house at an auction on XX/XX/XXXX ( 5 months after we submitted a fully executed contract ). I consulted with a foreclosure attorney regarding this matter and we are submitting a motion to have the sale rescinded, however, this would be done at the discretion of a judge and according to my attorney we have a slim chance of this happening. Please look into this matter and let me know if there is anything that can be done to have the auction sale in question rescinded so that we may complete the short sale.
Consumer complaint received 2022-04-11
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-02
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-08-22
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. (MN)

old account past the stature of limitations is been put on my account and continue to be updated by Experian and XXXX with current date. Accounts that do not belong to me due to identity theft.
Consumer complaint received 2022-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-11
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. (CA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account below is still reporting on my Credit Reports and need to correct immediately :
Consumer complaint received 2022-04-11
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.