davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (WI)

Over a month ago ( XXXX XXXX XXXX ) I was signed out of my CoinBase app on my XXXX. Im not sure why the CoinBase app randomly signed me out. When attempting to sign back in I was prompted for a two factor authentication. The app proceeded to text me a code I was supposed to enter in order to sign in. Unfortunately, I no longer have access to the phone number listed with my account, so I could not recieve the texted code. I proceeded to the account recovery option on the code entry page that you could select if you were unable to recieve a one time code. I was prompted to change my phone number with my account, but needed to enter in my previous number in order to change it. The previous number listed on my account is a temporary number, and I dont remember what that number is. I therefore cant change the phone number on my account to my current number. 

I proceeded to email CoinBase support on the same day. I received an automated response directing me to some FAQs on their website. Below the email in very small text that I only noticed about 5 data later it said I could respond to that email if I needed further assistance and that only if I responded to the email that theyd be in touch as soon as possible. 

Ive now waited over a month since my original email on XXXX XXXX ( today is XXXX XXXX ) and have yet to recieve a response. Ive responded to the automated email 3 times and DMd the CoinBase support XXXX account, to no avail. Im extremely frusturated because Im locked out of my account and have not received any response or assistance regaining access to my account and funds in over a month.
Consumer complaint received 2022-09-27
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: EQUIFAX, INC. (MS)

I am a victim of Identity Theft. Someone has my personal information, and has been putting in for credit application. I was just became aware of this the morning of XX/XX/XXXX. These are the following creditors that have pulled my report, and the dates. Some of them have pulled multiple times from XXXX, Equifax, and 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

The issue i 'm having is with a piece of accounting software XXXX withdrawing money out of my account unauthorized. I signed up for their software to handle my book keeping and payroll for my business. 

Generally speaking, I they do checking account verification via micro transaction verifications. In this case, however, they only withdrew money of my account and never deposited anything. 

The withdraws were made from my account on XX/XX/XXXX for XXXX and XXXX. I reached out to their support today ( XX/XX/XXXX ) and they informed me that they are unable to offer refunds. While I authorized the micro-deposits and withdraws, they never deposited any funds into my account and have thus stolen from me. It 's obviously a trivial amount, but it is unacceptable that they do this to me, and who knows how many others.
Consumer complaint received 2022-05-01
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. (FL)

In accordance with the Fair Credit Reporting act has violated my rights. 
Sec. 4021. Credit protection during COVID-19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
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: EQUIFAX, INC. (SC)

XX/XX/year> XXXX XXXX or XXXXXXXX XXXX XXXX requested a copy of my credit report without my knowledge or permission. This was obtained Fraudulently without my consent. I never requested a credit card from XXXXXXXX XXXX XXXX XXXXXXXX through XXXX, but they requested my Credit Reports & I have a Fraud Alert on all 3 of the Credit Bureaus stating that no company should request or receive my Credit Report without receiving my consent due to Fraudulent Activity on my Credit Report & companies opening Credit Cards & Bank Accounts that were opened fraudulently by someone without my consent & police reports have been filed, but its still continuing. I requested that they remove the HARD INQUIRY on my Credit Report & its still there. Its prevented me from receiving credit line inquiries, receiving other offers, & denied from being able to receive a Home Loan due to having too many Hard Inquiries from 3 companies that I never gave permission to retrieve my credit reports. The Hard Inquiry that I reported above is again as follow : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : 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 of XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX. 
These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX - Account Number : XXXX XXXX Account Number : XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (FL)

Applying for auto insurance and Equifax report comes back that I've been at current address 8 months ; when in fact we've lived here since XX/XX/year>. I own the home... .NO MORTGAGE! 
Thus I did not get best auto insurance rate available.
Consumer complaint received 2022-09-27
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: Westcreek Financial (TX)

In accordance to the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

Ive had several times removed from my credit and those negative items was the reason why my score was so bad and now after having those items removed XXXX XXXX XXXX and equifax has refused to adjust my score causing significant damage to my credit history and hindering future purchases and offers made to me as a consumer. I have even been threatened by employees from all three companies that constantly calling them will not change anything Equifax refuses to remove the items bankruptcies and the others have and they all refuse to verify their methods or verification as I requested several times before
Consumer complaint received 2021-09-13
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (PA)

My XXXX XXXX department accepted a direct deposit authorization form that had and electronic signature authorizing Citibank to began accepting my paychecks. I did not open a Citibank account and can not get any information on this account from the phone numbers they have
Consumer complaint received 2022-07-09
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: EQUIFAX, INC. (GA)

I reviewed my credit report with Equifax. I found an account ( XXXX XXXX XXXX ) that was not mines I tried to dispute this account with Equifax and was unsuccessful.
Consumer complaint received 2024-10-30
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax, XXXX XXXX XXXXXXXX URGENT MATTER ( XX/XX/XXXX ) Subject : Urgent Matter - Consumer Submission under FCRA Section 605C Dear Sir/Madam, I am writing to formally challenge fraudulent items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX, and my Social Security number is XXXX. I am also a victim of XXXX XXXX which has further complicated my financial situation and led to the fraudulent accounts listed below. 
I dispute the following accounts as fraudulent and request their immediate removal from my credit report : Unauthorized Fraudulent Accounts : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts violate my federally protected consumer rights under 15 U.S.C. 1681, including the right to privacy and the right to dispute inaccurate information. If these accounts can not be verified, they must be removed immediately as per FCRA Section 609 & 611.

Please address this matter urgently. Failure to respond satisfactorily within 30 days may result in legal action. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I applied for the Public Student Loan Forgiveness program and was denied. I have been in XXXX XXXX  for about XXXX XXXX which consists of XXXXXXXX XXXX at the XXXX XXXX and about XXXX XXXX for the XXXX XXXX. There was no explanation for denial and I qualify for this program. I was told to consolidate my loans in order to qualify which I did and still got denied. Every time I call in a different rep tells me something different. Everyone is on a different page with no clarity. Can someone look into my account and see what's going on. I will be contacting congress as well for some assistance on my issue.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$480.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$380.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3100.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$750.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$970.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$680.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$890.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX {$880.00} XXXX - XXXX - XX/XX/XXXX - {$650.00} XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$650.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$1600.00} XXXX XXXX XXXX - XX/XX/XXXX - {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$900.00}
Consumer complaint received 2018-01-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (MA)

Approximately two years ago I received a phone call from a representative of XXXX inviting me to switch back to their service. I informed the representative that I like XXXX but I would be moving to a house that is wired for XXXX. I asked if they bundled with XXXX because I did not want to enter a contract that I would not be able to fulfill. My intention was to stay with their service as part of a bundle once I had moved. I was informed more than once and reassured That it was not a problem. When I got to the new house, I told XXXX that I wanted to have XXXX as my television service. I was informed that I would need to do this separately because it could not be included with the XXXX   service. I contacted XXXX to tell them that I would not be able to continue their service. I reminded the person who answered for the company that I had been told that there would be no penalty if I could not continue. 
There has apparently been no effort by the company to listen to the original cold call that I received from their employee Instead they have continued to harass me and insist that I give them almost {$300.00}. This amount was changed to just under {$200.00} today by a credit company that was hired by XXXX to collect a debt. The representative of the credit company told me that I would have no further problems with this debt if I paid that amount today. Even though it felt like extortion, in order to keep my credit Report good, I offered to give them {$100.00} as charity. I was told that there was no possibility of negotiating even one penny below the amount they were able to offer me. They said they were only trying to help me. I can not for the life of me understand how they were helping me unless it was a veiled threat to damage my credit. I always paid my bills to XXXX. This amount they are looking for is not connected in anyway to any service they were providing me. Please have XXXX stop this harassement. If the company insists on an amount for them to stop, I have a offered {$100.00}. It is substantially more than I should be giving a corporation from my retirement income.
Consumer complaint received 2017-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Given bogus account numbers theft of funds screamed at by staff illegals on call refused checks basically lied too XXXX, told a bout thirty min ago my acct, number do n't work.ssi ssa checks missing this banks a failing XXXX, XXXX bank it 's nothing.s sections,1692 e -- k, ,violates regarding misrepresentation, n false statements n lies n debt collection or elevating I should say theft vs my funds n my account about two days ago I was told $ XXXX, some change in account n ssi ssa check had n't hit yet, but XXXX $ is missing banks not coughing it up fine this bank to for disclosure scams solicitation by illegals on call of id theft victim XXXX, and basically when u call debit card number it dispelles, all your data on thee,  call to whoever may have gotten your card huge security breach XXXX XXXX, there shut Huntington down the calls are recorded for quality control purposes so if you think I 'm lying just took the call she said the bank number after giving it to her the Immigrant lady female XXXX she said that it did n't work what they gave me a non-working bank account number than what the XXXX I never delegated any Authority or assigned any power through my words verbally to the bank telling them to take my money and still it move it or nothing like that so I do n't know what 's going on with my checks from Social Security and XXXX getting his Banks XXXX I rest
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CO)

I deposited a check less than 7 months old, not realizing that checks have a 6-month expiration date, since I very rarely use them. In addition to rejecting the check, Chase had the gall to charge me {$12.00}. It was all done online. No human hand ever touched this process, so it cost Chase exactly nothing to reject the check beyond the paper letter that I have no way of opting out of. This is profiteering, plain and simple.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Paypal Holdings, Inc (UT)

Paypal let XXXX XXXX Bill me using wrong email address i have on file for login, receive funds.The email XXXX  XXXX XXXX is mind, but not for paypal.Invoice sent to paypal for {$190.00} on XXXX XXXX say past due.Invoice # XXXX Name XXXX there email is XXXX and had Note to customer Your Order of XXXX XXXX placed successfully kindly do the payment of {$190.00} To XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2021-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC (PA)

I have never given anyone my permission to open an account with this company. This account is unauthorized and therefore fraudulent. I don't even know who Equiant is. I have never opened an account with them and it was opened without my consent. The account also can not be verified. I have requested verification more than once and received nothing. I have been defrauded and taken advantage of. This account needs to be closed immediately and removed from my name.
Consumer complaint received 2018-01-08
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. (CO)

My college loans have been duplicated on my credit report, all three major reporting agencies have the same wrong data. I have spent over 20 hours on the phone with XXXX XXXX XXXX in the past two weeks. The lack of customer service is simply appalling. I have talked with 5 different  supervisors. All state the error is on XXXX end. My balance to the loans is currently XXXX. In XX/XX/XXXX XXXX is stating they issued new identification numbers to their loans for ease of access to the consumer. With whatever changes they made they are now showing my total balance due on credit agencies to XXXX. XXXX. When contacting discover they first blamed Experian for duplicating the information to all three reporting agencies. I had an open dispute with all three agencies, to which a representative from each agency stated to have discover contact them directly with the loan balance. 
Here comes my frustration. 3 separate Supervisors, XXXX, XXXX, and XXXX all stated it is not in their prerogative to initiate a contact with the agencies including my open dispute case number. This would be as simple to send the updated information to the agencies, but from what I can tell they are too busy covering their tracks rather than owning up to the discrepancy. They have stated they have sent the information to all three agencies, but to date all agencies state they have not received anything from discover. 
I call XXXX to talk to someone above a supervisor and they said that would be redundant. Redundant to fix a clerical issue of almost 100k?! I am in the process of procuring a mortgage, this incorrect information has dropped my credit 100 points. XXXX has sent myself updated loan information that is correct, and states they have contacted the credit agencies but offer no proof of such contact. I am in desperate need of assistance and am contacting you folks before I contact an attorney to see what rights I have as a consumer to take action against XXXX. I understand accidents happen but I am appalled that with a company who purchased my loans from XXXX, I am stuck doing business with what feels like a criminal organization. Please advise of steps I may take.