davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (SC)

I have been trying for over a year to gain access to my Coinbase account to no avail. 

I went through their identity verification process and it keeps telling me that they are unable to verify my identity. This is after I have submitted my passport and my driver 's license LITERALLY XXXX times to date! They do not have a portal for me to provide my marriage certificate to show my name change. 

I got married and added my husband 's last name to mine. I went from XXXX, XXXX to XXXX, XXXX XXXX. NOTHING else has changed : same face, same hair style, same social security number, same phone number even the same address on my license. 

They also never answer the phone and the one time that I did speak to a human being we got disconnected. Prior to us getting disconnected the Coinbase agent told me that he could not understand why the verification was not going through, and he said he would escalate my claim to a supervisor and as I was asking the final question of when I could expect a phone call back that is when we got disconnected and I've never heard from anyone since that time and that was months ago. 

I also have received countless emails from Coinbase telling me the status of the currencies that I am invested in. Yet, I was STILL never able to gain access my account. 

I have watched the Currencies that I am invested in go up significantly and I was unable to take profit because I could not gain access even after following their inadequate and inefficient Identity verification process almost 100 times to date. 

Then, I watched the same currencies. go down in value and I lost the profit that I had gained.
Consumer complaint received 2023-02-24
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. (MO)

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 states a consumer reporting agency can not furnish 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. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-24
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX - {$470.00} XXXX XXXX XXXX  # XXXX - {$0.00} Has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX  has reported my balance incorrect since XX/XX/XXXX showing I owe XXXX the amount I purchased the car at, can this matter be updated correctly, as they haved reported on time payment 's every month but the balance does not reflect that. ( Year XXXX XXXX ) also I have attempted to get this matter resolved with them, and unable to get this understood. 
I was giving a reply they charge a interest per day this just does not seem correct.
Consumer complaint received 2023-02-24
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. (MI)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX Bank. Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX XXXX. Account Number : 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. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-02-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I can not log into Bank of America 's website to view my account details, I can not see what fees and interest I have been charged. Also, on XX/XX/2023, I made an attempt to settle debt I owe with Bank of America, currently represented by XXXX XXXX XXXX, XXXX. of XXXX XXXX XXXX XXXX XXXX In an effort to do so, I tried to verify the amount I owed was correct. I asked them what the original principal was and what additional fees and interest had been added to that to arrive at the figure they were claiming I owed them. They ( i do not know the name of who I spoke to on the phone ) refused to answer, claiming that they did not know. I am worried they are using the threat of bankruptcy to force me to pay fake or incorrect fees. If it is possible to help, I would greatly appreciate it. Also, they told me they recorded the phone call ; If you request it, it will back me up 100 %.
Consumer complaint received 2020-04-23
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. (NJ)

On XX/XX/XXXX, I noticed I was a victim of identity theft because I accessed my credit reports and seen a Capital One account that had a balance of {$380.00}. I filed the necessary identity theft report with the XXXX and the XXXX XXXX Police Department. I mailed it certified mail to Experian, XXXX  and XXXX on XX/XX/2020. Notification was sent XX/XX/2020 from XXXX that it was removed and blocked, and XX/XX/2020 Experian advised it was removed and blocked. As of today XX/XX/XXXX, I am noticing that the items have been reinserted without proper notifications. I did not receive any mailing from them that indicated it would be reinserted or the information that they found the account to be accurate. Under article 609, they have no signed contract verifying I had many any transaction with Capital One.  On XX/XX/2020 I did apply for a Capital One Quick Silver card as a recommendation online from Experian and was approved. I did provide my information then. Experian and XXXX also continue to report inquiries on my credit report that have not been authorized by me and were included in my XXXX and police report. I did not have this issue with XXXX 

I have also reached out to Capital One requesting validation of said account on XX/XX/2020 to no response. Instead they have sent me to XXXX XXXX XXXX which is a collection company and even then they have no proof and are not reporting on my credit files. I advised them to stop calling me and harassing me over a debt that is not mine.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (MD)

I have a discover card. Around XX/XX/20 my account was closed for no reason. I called, they said, I need to sign off authorization to get my taxes file for the last two years. Which I did right away on the same date. Is almost two months my credit card is still closed without any reasonable thought while my account is closed. Please while did they chose around corona virus to abuse me like this? When I needed the card the most they took it from me causing me a lot of emotional pain
Consumer complaint received 2023-02-24
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: Experian Information Solutions Inc. (NJ)

I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have not receive my tax return deposited into my checking account, IRS website confirms the refund amount of {$3100.00} has been sent to my bank on XX/XX/XXXX. I only receive my stimulus covid 19 payment of {$1700.00} on the XX/XX/XXXX that is label at IRS Tax Ref but this is not my Tax Return. I called Bank Of America many times and they claim they have no access to confirm if the {$3100.00} was receive I'm also pending my state tax refund to be deposited. My husband stimulus covid19 relief of {$1200.00} was confirm from IRS website that it was sent to be deposited XX/XX/XXXX and its not deposited into my account from Bank Of America. 

Bank of America refused to seek for further assistance of what happen with the funds that was sent to them, they are only repeating what I already have access to view online of funds I have in my account already.
Consumer complaint received 2023-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I noticed on my credit report there is unauthorized inquiries on my credit report that I did not authorize. the company name is XXXX XXXX XXXX. this was added to my report this is fraud I never authorized this company to pull my credit
Consumer complaint received 2023-02-24
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. (ME)

XXXX XXXX XXXXXXXX removed autopay from my credit card causing me to miss a {$15.00} payment, dropping my credit score XXXX points. I have been successful in getting the interest charges removed, but was told my request to remove the credit mark was not approved. After countless calls with XXXX, their explanation was that they technically sent an email to say that autopay had been removed and that I should have been on top of it. On XX/XX/XXXX they did email me to say my autopay accounts had been removed, but I didn't see it in a sea of daily spam from XXXX. I should also add that I had a scheduled payment for XX/XX/XXXX from the account that was terminated, which would have given me only 3 days to add a new payment amount and pay my bill. XXXX did not email me to say my bill had not been paid once the deadline was missed. 

I have never been late on a credit card payment in my life. I pay my bill in full every month. I only keep my XXXX account open because it's my longest standing credit card. I believe XXXX is intentionally making bill pay difficult for people in order to charge interest and ruin credit. While I could have avoided this if I had immaculate monitoring around my account, I assumed that such a basic feature would be no problem for a large bank like XXXX, but I incorrectly assumed their motive is to provide a positive experience for their customers rather than fraudulently manipulate them. 

I argue that XXXX shouldn't be removing autopay from accounts, and in my case should be forced to withdraw the late credit mark on my name.
Consumer complaint received 2023-02-24
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. (NY)

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

15U.S.C section 602 A. States I have the right to privacy. 

15 U.S.C 1681 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

On XX/XX/XXXX, I received an alert from XXXX  XXXX XXXX about a new collection account added to my credit file. Right away I contacted the listed collection agency on my credit file. I spoke to an agent who claimed that I got the wrong department and he transferred me Mr XXXX XXXX. I asked Mr XXXX to spell his name for me, he refused and hanged up the phone on me. I called back and informed him that I was going to report this to the office of the AG of Texas, he claimed he was going to transfer me to a manager and dropped the call. 
Based on my credit file the account number is listed as XXXX. Back in XX/XX/XXXX I filled a case with the CFPB, complaint ID XXXX, and the complaint was resolved and the account deleted from my credit file as stipulated on CFPB complaint ID XXXX. Today, on XX/XX/XXXX, almost 3 years later Midwestern Recovery System is illegally and maliciously reporting this same account on my credit file.
Consumer complaint received 2023-02-24
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


DEPT OF ED/XXXXE XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXXE XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXXXXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-02-24
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. (TX)

I am filing a complaint because the debt from XXXX XXXX XXXX XXXX ( Account # XXXX ) does not belong to me. I signed the lease with the original creditor, The XXXX at XXXX XXXX, due to me being XXXX at the time. However, I did not provide them with any financial statements ( bank statements, pay stubs etc. ) to hold any accountability for payment. The financial statement attached does not even include my name and it is signed by the apartment manager. This is terribly ruining my changes of finding housing and I was like this is to be investigated. If no financial records show that I am financially responsible for this debt, I would like it to be removed asap.
Consumer complaint received 2023-02-24
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. (IL)

In accordance with the Fair Credit Reporting act. The Listed account below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX acct : XXXX has violated my rights. 

15 U.S.C. 1681 selection 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 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

I had a bill from XXXX XXXX from an appointment with my doctor. Service date was XX/XX/XXXXXXXX XXXX  and amount was {$300.00}. I paid this bill in full in person at the doctor 's office on XX/XX/XXXXXXXX XXXX with my credit card and received a paper receipt from the front office person who processed the payment. 

In XX/XX/XXXXXXXX XXXX  I was contacted by XXXX ( debt collector ) and was informed that this bill was sent to collection by the hospital as they thought I haven't made the payment. My credit score was also affected at that time from this illegitimate charge. On XX/XX/XXXXXXXX XXXX XXXX XXXX made several calls to XXXX and XXXX XXXX to dispute the charge and try to resolve the issue. I was told by both XXXX and XXXX to fax them proof of payment. I faxed both of them the receipt and my credit card statement on that same day XX/XX/XXXXXXXX. I never heard back from either of them if anything else was needed. 

Today XX/XX/XXXX I received a call from another debt collector, TSI, and they informed me that XXXX had sent this same bill to collection once again. I informed TSI over the phone that this amount was already paid in XXXX XXXX  TSI told me to fax them proof of payment and that this will be communicated to XXXX. Again, I faxed TSI the receipt and credit card statement on the same day XX/XX/XXXX and have not yet heard back from TSI or XXXX XXXX so far. This is an unacceptable business practice resulting from XXXX XXXX inability to verify a legitimate payment that was made directly at their own facility. This is causing me unnecessary stress and I shouldnt have to spend my own time and resources to try to fix someone elses mistakes.
Consumer complaint received 2020-04-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

After reviewing the credit report from Experian noticed XXXX continues to furnish late payments in formats that are incorrect. The account is the same with different amounts. The University of XXXX was involved with litigations for charging amounts against federal guidelines of student loans. With the number of inaccuracies, credit and creditworthiness are compromised.