davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OK)

I downloaded the Coinbase app in XXXX and bought some xrp crypto. There wasn't any problems. In XXXX, I sold the crypto except for the Ethereum  and transferred the money back to our bank account. 
The trouble started in XXXX when I decided to buy more Ethereum and Litecoin, and bought a fraction of Bitcoin. I had over XXXX Litecoins and over XXXX Ethereum. One of the transactions was for {$7000.00}. I looked at my bank account and noticed a double charge of {$7000.00}. I tried using their automated customer service, to no avail -there is no way to contact them they have no customer service until it affects them, so I stopped payment on the second {$7000.00}. Late that evening, after I had already stopped payment, I received an email ( enclosed XXXX from Coinbase letting me know they were aware of the mistake, and would replace the {$7000.00}. I responded to the email, only to find out was a no-reply email. It was too late, so I ended up with an extra {$7000.00} in my account! I finally called Coinbase Support XXXX, which locked my account. That's when I got a call from a man named XXXX from Coinbase was assigned to my case XXXX XXXXXXXX. I guess Coinbase outsources to XXXX. I tried to explain what was going on. I called our bank to release the stop on {$7000.00}. I thought he was helping me he helped Coinbase to XXXX Litecoins and XXXX Ethereum - took account value from near {$30000.00} to approx. {$13000.00}. {$170000.00} taken for a {$7000.00} Coinbase error. ( Screenshots ) A few days later, he restored all of my crypto except for the XXXX Litecoins for the {$7000.00} that Coinbase had put " back '' in my account. ( Screenshot ) Then on XX/XX/XXXX, I received on email from coinbase telling me that I had initiated a buy of Etherium, and I owed them {$12000.00} ( I didn't initiate any buy and didn't owe any money ), and that they were going to do an automatic recovery on XX/XX/XXXX. I called XXXX at XXXX to find out what was going on- no answer - no call back. Coinbase had unlocked my account, but still had restrictions on the account where I couldn't transfer funds. I had tried to move funds back to my bank. My account was a sitting duck. I got an email on XX/XX/XXXX, telling me that the recovery was complete, so I opened my account to see that all of my Ethereum was gone -not {$12000.00}, but over {$20000.00}. After that I called the XXXX again and left a message and told him all of my Ethereum was taken out of my account and he was the only one who had access to my account. he called me back. He transferred what was left in my Coinbase account - {$6700.00} - back into my bank. He said he would check into the missing Ethereum, and call me back, and if course, he didn't. I can't even get into my account now, because I need a verification code, with no way to get one. Over {$20000.00} value at that time was taken and the Ethereum is worth more now. Thank you for looking into this. XXXX XXXX
Consumer complaint received 2023-09-18
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: EQUIFAX, INC. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$480.00} XXXX  XXXX Balance Owed : {$410.00}
Consumer complaint received 2022-07-28
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. (PA)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX 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 without my written instructions.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a request to investigate an inaccurate account on my credit profile on XX/XX/2020. After about 35 days of no response, I sent another letter on XX/XX/2020 stating that I did not receive a response from the agency in regards to the investigation results and would like for them to investigate my account. It is XXXX and I have yet to receive a response. I'm looking to purchase a home and these inaccurate accounts on my credit report are stopping me from being able to achieve my dream house.
Consumer complaint received 2022-05-20
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. (AR)

I been disputing XXXX XXXX since XX/XX/XXXX, XX/XX/XXXX, lastly XX/XX/XXXX I have ask them to to please verify and the information came back verified I have ask them to investigate every detail and it came back verified. How can the investigation of the bureau be accurate when I see a ton of inaccurate information. The consumer agenices HAS VIOLATED MY CONSUMER RIGHTS UNDER THE FCRA. 

15usc1681b permissible purposes of reports. ( 2 ) in accordance with the written instructions of the consumer to whom it relates. The consumer reporting agency did not get my consent to be furnishing this embarrassing alleged debt. They have no respect for my privacy 15usc 1681 ( a ) ( 4 ) 15 u.s.c. 1681s-2 RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES Duty of FURNISHERS of information to provide accurate information ( a ) prohibition-reporting information with actual knowledge of errors -a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Than after I ask the consumer agenices to investigate the report they verified as accurate and update the actual payment which was $ XXXXincomplete Historical account history which is inaccurate making the day of first delinquency inaccurate in the remark they didn't didn't put consumer is disputing this account on the account history XX/XX/XXXX is missing, their no credit limit, no high credit, date of last activity is incomplete. 
15u.s.c 1681a ( e ) the term " investigative consumer report " means a consumer report portion thereof in which information on a consumer 's character, general reputation personal characteristics, or mode of living is obtained through personal interviews with friends or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. Consumer agenices failed to do so. With all this inaccuracies on my report after a investigation consumer agenices to assure maximum accuracy I counted 13 on this account 15usc1681e Compliance procedures whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to ASSURE MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates.
Consumer complaint received 2021-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent letters to XXXX, Transunion, and XXXX. I have multiple errors on my reports, missing information and information that needs to be removed. I also have a " derogatory mark '' on my reports but does not say who it's from nor will they tell me. I reached out to my creditor and they told me they sent letters 3 times to XXXX, Transunion and XXXX  to have the collection removed. Once again I do not know what the derogatory mark is on my report. I would like it removed asap. I also have 7 hard inquires on my report. I want them removed as well. XXXX, Transunion and XXXX  are not doing their job. I am very dissatisfied with their lack of knowledge and their poor customer service.
Consumer complaint received 2024-12-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (CT)

in XXXX, I sent a debt validation request to Eastern Account System regarding a {$280.00} collection account reported on my credit profile, originating from XXXX  XXXX XXXX. I requested proof of their legal right to collect the debt, a detailed breakdown of the balance, and documentation of my obligation to repay. Despite allowing sufficient time for a response, I have not received any acknowledgment or the requested information. The account remains on my credit report unverified, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I requested a method of verification to XXXX  about a Bankruptcy that was on my credit report they had on my file on XX/XX/2020. I sent the letter certified and had it notarized which I have records of. They retrieved it on XX/XX/2020 signed by XXXX XXXX. They sent me back a report on XX/XX/2020 saying they had verified it validity through a company called XXXX XXXX. It says that on the report they sent me back. So, I sent a method of Verification to XXXX XXXX on XX/XX/2020 requesting the method of verification from them. Which they replied they verified it with the Us Bankruptcy court. I also got a letter form the Bankruptcy court saying they do not verify information with 3rd party Credit reporting Agency. Which I mailed to XXXX XXXX and a letter saying that three must have been an error. I sent XXXX XXXX a direct letter asking them to verify with whom they got this information from. On XX/XX/2020 XXXX XXXX sent me a response back saying they removed the Bankruptcy from there data based they had on me. Which I have records of. Then I sent a copy of the removed Bankruptcy and a letter to XXXX, and Experian showing that XXXX XXXX had removed the bankruptcy form my credit file. I asked both XXXX and Experian how could you have verified it with XXXX XXXX if they removed it from my file. I explained to them they can not just PARROT information they have to do a complete investigation. You can not just use the E-Oscar system with a 2-digit code. Then reply you have verified it with the Credit Reporting agency. XXXX  sent me back a response onXX/XX/2020 they had verified it through XXXX XXXX and that it would stay on my credit report. Which is complete nonsense. It had already been removed from XXXX XXXX. Which proves they did not even look at the paperwork I sent them showing the Bankruptcy was removed from XXXX XXXX which they claimed they verified it with them. This is a direct violation of the FCRA under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) under Section 611 ( 5 ) ( A ) of the FRCA they  must promptly remove all information which can not be verified. How can they verify the Bankruptcy when it was removed from the company? They claimed they verified it through on XX/XX/2020.This is hurting my ability to obtain credit and buy a house while making it impossible to get the credit I deserve. Causing me and my family financial hardships. This is un-acceptable and they should be held accountable for there actions.
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (NJ)

I just received a letter from M & T Bank. Perhaps I didn't make myself clear. I need a YES or NO answer for the following : Did XXXX XXXXXXXX pay-off my Hudson City Savings Bank Mortgage number XXXX YES or NO If the response is YES please provide the transactional information such as amount paid and the check or transaction number so I can have it authenticated. 

I never received the satisfaction of mortgage, release of lien or discharge of mortgage and the ONLY thing that matters is transactional proof the mortgage was paid of by XXXX XXXXXXXX YES or NO As you may already know XXXX XXXX has not produce anything at all to prove that they paid off this mortgage. If things have gone this far and their was no mortgage to pay-off I won't be able to sell something that was not paid for and will end up in court getting sued. 

This is a YES or NO question please expedite and be honest because I will be send all the facts to various politicians, TV stations and government agencies while I continue to search for a real estate lawyer who handles criminal cases. When the time comes I have every intention of signing complaints on all parties involved and all parties that aid and embed criminal enterprises. Please be honest.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA ()

I have a Marcus savings account for many years now. But recently moved outside the US and started to slowly withdraw my money from the account. Recently, in the middle of a transaction they blocked my account for unknown reasons/ it has been more than 7 days. I called many times and no one is able to help me promptly or to give me a reason about what's going on. I called multiple times and all I hear is the account is under review. I have all my savings in there and it's an absurd that they take this long to tell me what's going on. I depend of that money to pay my credit card account and it's extremely concerning that they take this long to analyze it. I wonder what they will do with it.
Consumer complaint received 2022-05-20
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. (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 3 Bureaus 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 following items listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance XXXX {$1300.00}
Consumer complaint received 2021-06-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have purchased a vehicle in XXXX XXXX and got approved for finance with my bank, Capital One. XXXX has a policy, that the car can bear retuned within 30 days with no questions asked. I returned the car on XX/XX/XXXX ( after 2 weeks ) yet my bank still didnt receive the payoff amount and my first payment is due on XX/XX/XXXX. I have in my hands a voided contract from XXXX and no car, yet my loan is not cleared with Capital one. I was told several times that it takes about 10-15 days and again, even after calling 20 times the business office at the XXXX XXXX store and the headquarters in Virginia, there is ions explanation and response. Capital one didnt receive the payment and I was demanding to get a crack number or a tracking number. This is a legal fraud and theft, when customer gave up the car, the contract is voided yet I am still response for the payment. Please help me resolve. I dont want to be in collection with my bank for something I am no longer responsible for. This is a scam and the worst possible customer service experience
Consumer complaint received 2022-04-25
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act 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 602 ; it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-02-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (VA)

I feel that American Credit Acceptance should be investigated the way they are preying on people especially minorities and less fortunate with the high interest rate loans. Something needs to be done about these companies doing this. How can the less fortunate ever win with 25 % interest. This is a set up because they know people will default in these high interest rate loans. They need to be investigated
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Paid off Kohls account online in full because in escrow {$58.00} was total due in full on XX/XX/22 I paid it then cancelled my auto pay on the account because wasnt planing on using this account till after escrow & closing on my new house then they say the mailed a statement showing I still owed get this {$6.00} which I didnt because I paid it off I never got the mail because I moved & did forward my new address for another state so they say I was late a month on said payment & I never got a phone call either like they have in the past & they reported late payment to credit beaus killing my credit score XXXX points & I close next month on my house I need this reserved asap! I did call in & they said dispute it but that wont help In time I could loose the house please help. I did make the payment of {$8.00} right away when I got an alert from my credit services advising of the points change.
Consumer complaint received 2021-06-02
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. (GA)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company (IL)

Merchants Credit Guide XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Montana, XXXX To : The Office of Registered Agent for Merchants Credit Guide From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I have Penfed Pathfinder Rewards credit card. One of this card 's benefits is {$100.00} incidental airline fee credit per calendar year. 
In XXXX I had 2 transactions {$50.00} each from XXXX XXXX for the baggage fee on XX/XX/XXXX and XX/XX/XXXX, but only one of them was credited back ( {$50.00} ). 
I contacted the credit card several times about this and they created a case to manually issue {$50.00} credit for the second transaction, but that never happened.