davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

On XXXX XXXX at approximately XXXX I placed a call to Coinbase Support at XXXX. Coinbase Representative XXXX XXXX, was notified of my 2 factor authentication access issue. Since my account was linked to my cell phone, XXXX called via land line, XXXX, a recorded line for XXXX  XXXX at both XXXX and XXXX to assist with my success issue. XXXX advised me to open an XXXX application, on my cellphone, XXXX. I completed the steps and accepted the remote request. Per XXXX, my account was not set-up properly and I was advised to follow the instructions to rectify my errors on my account by sending my BitCoin funds to XXXX XXXX XXXX # XXXX. After I initiated the send instructions, I noticed there was a charge of {$1.00}. I immediately made XXXX aware that I was concerned and that I was confused on how this would help my 2 factor issue, he advised me not to worry, the new funds would be available in 15-20 minutes. At XXXX, I received an email from Coinbase Support regarding the steps. I immediately initiated my account to be disabled. I attempted to contact Coinbase Support and sent multiple emails and responses to Coinbase Support but the responses to my concern ( s ) were slow. I explained to them, through email, what had happened but in the end they only wanted to verify my identity to enable the account. I was made aware they do not have a live customer support contact. 
I have contacted the XXXX Police Department XXXX I have file a complaint with referral form with Internet Crime Complaint Center. 
I have obtained the copies of the recorded phone logs and calls, a photo of the website, the fraudulent email, copies of the purchases which date back to XX/XX/XXXX, and all communication to Coinbase regarding the event. According to Coinbase they are willing to release any transaction information to the Authorities ( AHJ ). Any Help would be greatly appreciated.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting 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. (MO)

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.
Consumer complaint received 2022-05-04
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: WELLS FARGO & COMPANY (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violetad my rights. 

15USC 1681 Section 602 StateXXXX i have the right to privacy. 

15 USC Section 604 A section 12 : It also states a consumer reporting agency can not furnish account without written instructions. 

15 USCV 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 2021-10-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC (VA)

on XX/XX/2021 Spire recovery solutions ( SRS ) contacted myself at XXXX, as well as my business line owned by XXXX at XXXX, and my son at XXXX and my sister at XXXX on XX/XX/2021 they did it again. 

It is my understanding that they can not contact family members.
Consumer complaint received 2021-10-25
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. (RI)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the following accounts that are still reporting on my account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6400.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Please see attached copy of FTC report. Someone has used my identity to obtain loans and credit. please remove these accounts from my file as it is causing undue hardship on me. 

I have requested previously information to be removed including names, address, ssn, etc. from my credit files. please remove this information to prevent any further misuse of my information.
Consumer complaint received 2021-10-25
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

My loan is past the 20 percent equity threshold based on the original home value. They are telling me I must have the home reappraised to ensure my home hasn't gone down in value. However, their own website, which I attached a screenshot of ) is telling me that my house is worth nearly {$100000.00} more than I paid for it and I have 41 % equity in it. This appears to me to be an attempt to nickel and dime more money from me when there is no way to reasonably believe the value of my home has decreased.
Consumer complaint received 2020-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc. (CA)

For over 9 years now Diaz and Associates in XXXX Ca. has continued to insist that I owe monies from unsecured credit card debt that is clearly time-barred and in violation of FDCPA, FCRA, California civil code 337 and other various federal laws pertaining to debt collection and protection of the consumer. As a result, I have had court issues and financial hardships from this company that engages in predatory collection practices and deceit to gain financially I have reached out to them over the years to show me the proof of the original debt, to which they have not. I have demanded that they do not contact me, to which they do. They attempt to use trickery in order to renew the debt to which I dont, but yet they continue as they know full well that the stated debt in attached to my name is uncollectable. Diaz and Associates, then recruited a law firm under false pretenses in order to collect this debt. They are a fraudulent company that ignores fair and legal collection practices, the law and, case law to in rich themselves. They use harassing tactics to pressure the consumer and uses unethical practices in order to pray on uneducated, ill-informed consumers. As a result, I have filed a complaint with the state Attorney Generals Office, as well as Consumer Financial Protection Bureau. 

As I read the multitude of complaints on file, they will respond that they know the stated laws above but yet they continue. This needs to stop immediately and the XXXX needs to respond to their ongoing hostile practices.
Consumer complaint received 2024-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I RECENTLY REVIEW MY CREDIT REPORT I NOTICED SOME HARD INQUIERIES IN MY CREDIT REPORT THAT ARE NOT RELATED TO ANY OF MY ACCOUNTS AND DID NOT GIVE THEN PERMISSION TO RUN MY CREDIT. ACCORDING TO U.S.15 1602 P PLEASE HAVE THESE INQUIRIES REMOVE FROM MY CREDIT REPORT.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.
Consumer complaint received 2018-01-25
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. (AL)

XXXX XXXX XXXX No contract and no completed information XXXX XXXX XXXX XXXX unauthorized inquiries XXXX/XXXX XXXX XXXX XX/XX/XXXX7 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX 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 2022-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal has closed my account. Without any reason, neither did we get any kind of mail from the company nor did the company ask for any kind of document from us. The company has permanently banned our account without any mistake. We have no fault in this. Please solve our issue and reopen our account. my this mail id used in paypal -- XXXX XXXX
Consumer complaint received 2021-06-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

On XX/XX/XXXX, I received a notification from Chime regarding a purchase from XXXX XXXX XXXX XXXXXXXX for {$170.00}. I did not authorize this purchase and the card being used was in my possession. I immediately reported the card as stolen. Chime would not allow me to report this transaction as fraudulent on XX/XX/XXXX since the charge had not settled. I then contacted XXXX XXXXXXXX XXXX XXXXXXXX to have them locate this fraudulent order so that it could be reversed. The CSR from XXXX XXXXXXXX XXXX XXXXXXXX attempted to locate the charge with my information such as my name, email address, phone number and the last 4 of the credit card. He was not able to locate anything and stated he would have someone from another team investigate and contact me with XXXX hours. 

On XX/XX/XXXX, the charge posted to the Chime account. I immediately initiated a dispute. I was emailed the dispute form to fill out on XX/XX/XXXX. I immediately filled out this form and received an unacceptable response of having a temporary credit added within 10 business days while they conduct their investigation. I then called Chimes support number and was told that they received the form and it was filled out correctly. I inquired as to why I did not receive a credit immediately since this charge was fraudulent. She stated an investigation would need to occur. 

On XX/XX/XXXX, I reached out to XXXX XXXX ( Director of Customer Service ) for XXXX XXXX XXXX XXXX explaining the situation and asking for assistance in rectifying this issue. I received a response back from XXXX XXXX on behalf of XXXX XXXX. She stated that she couldnt assist with this matter and I would need to reach out to Chime. I then advised her that I already reached out to Chime but in order to facilitate a quicker process, it would need to be located and refunded from their side. She refused again and repeated the same language. 

On XX/XX/XXXX, I received an email from XXXX XXXXXXXX XXXX XXXXXXXX stating that they were unable to locate the charge with my identifying information and to contact Chime since it would appear my debit card had been compromised. On XX/XX/XXXX, Chime emailed me stating that the charge would stand and no fraud was found. This is completely contradictory to the actual merchants response.
Consumer complaint received 2016-08-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The information that 's on my file isnt being reported accurately per the Fair Credit Reporting Act 609 i requested contract and signature sign and date with accurate account balances from credit bureau that supposed to be in their files i have n't received any information
Consumer complaint received 2021-10-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent a dispute letter to the XXXX, Equifax, and XXXX on XX/XX/2021 and I have not received any results. I'm not expecting them to respond in 30 days but it's been 3 months. I need to get answers and responses from the bureaus.
Consumer complaint received 2021-03-27
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me.
Consumer complaint received 2021-10-12
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX -Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-10-21
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: SYNCHRONY FINANCIAL (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft SYNCB/PPC Account Number : XXXX This is not mine. 

2. Identity Theft 11 XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-10-12
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. (NC)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, 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.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I called or messaged XXXX, Equifax and XXXX 6 months or so ago and requested that all addresses and telephone numbers that are inaccurate be removed from my profile. I was told by all XXXX that was not possible.
Consumer complaint received 2021-10-12
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. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2021-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Friday, XX/XX/2021, I went to the Chase ATM to deposit a check in the amount of {$4900.00} into my account. I received a message from the ATM stating that Chase will be holding all funds until XX/XX/2021, with no immediate funds to be made available. I was bothered because I am very familiar with Reg CC and thus understand that : 1 ) I should have access to at least {$220.00} from my deposit at that moment.

2 ) I am NOT a new customer. I have been with Chase for at least 10 years ; therefore, a 10 day hold on my deposit is not necessary, nor applicable.

3 ) The check amount was less than {$5000.00}, which means that this does not qualify as a " Large Deposit Hold ''. Furthermore, I have in the past deposited checks that were less than {$5000.00} but over {$1000.00}, and was not given a ridiculous hold time. 

I spoke with Chase and presented these facts. I was told that they could not release the funds because they did not have an image of the check yet in their system. I don't believe this because my receipt from my ATM deposit has an image of the check ; therefore, they have the image too. I also asked why they were placing a customer of over a decade on a 10 day hold to release funds from a check that was less than {$5000.00}, and they could not provide an answer. 

We are now Monday XX/XX/2021, and I still don't have access to my funds. I have bills that were pending payment on that date, and now my credit score and account status are going to be affected by this unnecessary hold.