davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (FL)

I have an account with Coinbase for several years now with a balance of no more than ~ {$1500.00} and I recently purchased {$17000.00} worth of coins. The whole time I've had my Coinbase account, it hasn't been accessed without my permission until Monday ( XX/XX/XXXX ) and I had my account disabled since then. I'm being denied access to my own account and I find it very questionable that my account has only had an incursion when there was a drastic amount of funds purchased into my Coinbase account. The only method Coinbase provides for support is via email trouble ticketing and I've followed each step necessary to enable my account and to obtain rights to my own funds ( if my funds haven't had an unsanctioned transfer ). I've requested numerous times to be granted access so that I may determine the extent of damage/stolen coins within my account, but Coinbase refuses to do so. I have had my identification positively verified by Coinbase and I've followed each step set by Coinbase so that my account can be reenabled. Since Monday ( XX/XX/XXXX ) and until now ( XX/XX/XXXX ) I have no knowledge of or ability to verify my funds within my own account and Coinbase has refuse to help determine if any unauthorized fund transfers have occured. I believe Coinbase has both a questionable and unethical practice that is either centered within an individual at Coinbase or as a collective. No one ( other than myself and Coinbase ) has knowledge of my funds within Coinbase, yet my account had a breached when a serious increase in funds to which I've been denied access to my account after said incursion. My account has been stolen in more ways than one and I've lost all rights to my account as the owner. My account thus far is stuck in limbo with no method or date of release back to myself even after full verification of identication has been established.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XX/XX/XXXX I submitted CFPB complaint ID : XXXX This is about repeated issues with Transunion adding incorrect information and derogatory accounts to my credit report. This has happened 4 times in the past 12 years.

After this complaint, Transunion fixed part of the problem - they removed the derogatory account from my report that was not mine, but they did not fix the underlying issue : They have the wrong SSN, Birth date, and several incorrect addresses in my account.

Although I called this out, they did not correct these errors. With the wrong identifying information they will continue to add incorrect accounts to my credit report. This is unacceptable. Its also very confusing why they can not see this problem. When I call transunion they identify me by asking for my social, they must know my correct social to complete this identification.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America wants me to pay for the loss of the unauthorized transactions made by a thief who withdrew XXXX dollars from the lobby of bank centers in New York on XX/XX/2022, while I was in Texas. Bank of America alleged I was the person in the footage although I can prove I was not present in New York. Bank of America refused to discloset the footage to me and the police officer I filed with the case.
Consumer complaint received 2023-01-21
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. (FL)

I mailed certified letters to XXXX and Experian on XX/XX/XXXX, requesting for them to send me documentation that prove that these accounts belong to me. I also spoke via telephone with representatives of credit bureaus in XXXX, XXXX, XXXX, and XXXX of XXXX in attempts to get these accounts removed because they are not mine. I have an active account with XXXX XXXX Bank, who reported a XX/XX/XXXX day late payment ; however, I was never late. Also. XXXX XXXX ( formerly XXXX ) is reporting late payments that I was never late on. 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 XXXX # XXXX ; Account name : XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX Bank # XXXX ; Account Name : XXXX XXXX  ( formerly XXXX ) # Unknown, 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 convictio
ns 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 2023-01-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo threatened to sue me if I did not pay back my credit card debt. I had been on maternity leave and my husband lost his job so everything fell into collections. Wells Fargo then collected that debt in monthly installments and made me pay for their lawyer fees. It happened between XXXX, I was making payments of {$240.00} every month. Total amount was between $ XXXX {$15.00} XXXX when I only owed {$8000.00}. It shows up on my credit report and I still have the checking account statements that I made the payments from.
Consumer complaint received 2023-01-21
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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 2023-01-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (IN)

I had to file a homeowners insurance claim due to flooding in my home. The money source also had to endorse the check for my insurance claim settlement. They took control of the funds and are doing a monitored claim. They will not release any more funds for more repairs until they have done an inspection. I tried to schedule this inspection 2 weeks ago and have continued to reach out throughout the 2 weeks to schedule this so I can continue with my home repairs. XXXX has not scheduled this inspection after 2 weeks. I have also tried filing exception letters to get more funds released to continue the repairs to no avail. I am expected to complete 50 % of repairs with not even 25 % of the money. XXXX also keeps closing the exceptions I have filed after making me jump through many hoops. They have all the information that is needed supplied by my insurance company and contractor but refuse to move this along. I have mold growing and XXXX does not seem to care.
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (FL)

I had a wells fargo loan on a XXXX XXXX  XXXX, this loan was originally taken out in the beginning of XXXX. It was originally in XXXX  and I had to move to XXXX  XXXX  due to monetary issues, I contacted Wells Fargo to arrange a payment plan and all they said, sure, sure give us your new information, address and so forth. And immediately they sent a tow truck to take the vehicle away without any warning. I had to pay a bunch of money out of pocket that I didn't even have to get it back out. A couple months later they did the same thing, without warning took the vehicle away and I just left it as that because there was nothing I could do since It got taken away a second time, I would have to pay off the entire loan balance.
Consumer complaint received 2023-01-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

XXXX has repeatedly called me and my husband everyday several times a day. I am being threatened about a fifth third bank account that they claim had transactions between the year XXXX. They explained that they sent mail to my address 45 days prior to the repeated harassment calls. I have never received any mail from this company I even checked my usps informed delivery to be sure something wasnt missed on my end and nothing was sent. Ive asked several times for details in regards to date and transaction of the debt theyve threatened to sue me about but they tell me they dont have information. Me and my family are being harassed and threatened by this number. Ive also attached my call logs and my husbands.
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CT)

Sychrony Bank send a credit card to an address that I lived at in XXXX from XX/XX/XXXX to XX/XX/XXXX in XX/XX/XXXX. The credit card was somehow activated and then {$5000.00} was spent at a XXXX area XXXX XXXX. During this time, I lived in XXXX MA. Not only did I not request, or approve this card, I physically could not have made those purchases. I called the company immediately because they contacted me suspecting fraud and they corrected the situation and closed the account. However 3 months later the bank denied by case and started charging me again. They will not resolve the case
Consumer complaint received 2020-03-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (TX)

I am a borrower of two {$5000.00} loans back in XXXX and XXXX. I was young, naive, and desperate to go to college to better myself but, my family nor myself had the financial means. Following the guidance of the college financial aid office, I was awarded two ALPLN Loans through FASFA. I have been paying faithfully on both loans since XXXX. 12 years later, I have paid {$15000.00} of a combined total of {$10000.00} borrowed. As of today, I still owe American Education Services {$9400.00}. Referncing the payoff balance as of today, I will pay a total of {$24000.00} on a combined total of a {$10000.00} loan. Due to these loans interest rate continuously increasing and the daily occurrence of interest, I forsee it being more. My confusion comes with being mislead by the company and school that this was a loan to help those in need as well as, I would qualify for loan forgiveness through specialized education programs. Neither loans have qualified for any programs even though, I have worked as a XXXX in XXXX XXXX XXXX  and XXXX XXXX. I have also tried to apply for a secondary loan with better interest however, after reviewing the status of the loan they advised me seek further clarification on why I am over paying on such a small amount borrowed. I have spoken with the company with limited guidance. Please advise.
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (FL)

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
" XXXX XXXX '' using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.
Consumer complaint received 2023-01-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo made it impossible for me to continue making mortgage payments when I was a couple of months late. They force another loan on me to pay themselves. I insisted that I would make payments. They refused and sent a representative to my house at XXXX XXXX XXXX XXXX XXXX for me to sign for a supplementary loan. 
I sold the house in 2018 and filed a company with Wells Fargo but never got any resolution.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (WI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (GA)

Commenity Bank XXXX XXXX ) - Unable to work with creditor to defer payment or change due date. I was unable to meet my minimum payment for this month, however i did pay what i could. This creditor has called me 13 times over the last 2 days. This needs to change, one contact per day should be sufficient. They also need to make their website more user friendly. I should not need to sign up for a subscription service to have payment protection when times are tough. Especially in this current financial and economic environment.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WV)

On XX/XX/2023 submitted dispute with copy of my state issued drivers license to have my address corrected with the following credit reporting agencies XXXX and XXXX for correction to fix my address ; they chose not to not make the correction but not sure what creditor reported the address because my address single family home but the address on my credit report file states apartment number ( will not remove the apartment number ) never been associated with my addresss.
Consumer complaint received 2023-02-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (NC)

This personal loan was approved for {$10000.00}, of which was a credit card payoff loan. I did agree to auto payment to upgrade for loan. I was told that it would save me interest and would be a 36 month contract. I have made several attempts to get a statement from them, unable to contact them by phone. I received only a letter with my current balance, but no interest was disclosed and my payment history was not shown. I recently got my credit report that showed me this upgrade account is showing 90 months to payout and by my calculations, the interest they are charging me is over 50 %. This is NOT what I was told to expect. Im asking for help because I have no copy of loan, no account # and havent received any statements. They just keep taking payments from my bank account
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (GA)

I am writing to file a complaint regarding unauthorized entries on my credit report. Specifically, I have found that XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX are listed on my report and I did not authorize these companies to access my credit information. 

I have not had any business dealings with these companies and I am concerned that these entries may be the result of identity theft or other fraudulent activity. I request that you immediately remove these unauthorized entries from my credit report.
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I attempted a number of times today to leave feedback on your website regarding my previously filed CFBP complaint XXXX submitted on XX/XX/2019 and closed by CFPB on XXXX/XXXX/2019. I was unable to leave feedback so I have initiated a new complaint to piggyback onto the original complaint filed in the hope that the CFPB may take further action regarding this matter as I do not deem the original complaint issues to be fully resolved at this time. I have attached a copy of the correspondence ( three pieces ) that were forwarded to Capital One today XXXX/XXXX/2019 outlining the remaining ongoing issue from the original complaint filed on XXXX XXXX, 2019, and not yet resolved. I believe my XXXX XXXX, 2019 attached correspondence to Capital One clearly outlines the remaining issue in this complaint ; and from my standpoint it is a very important issue considering that it clearly contradicts my assertion that I did not authorized nor place the 8 disputed credit card charges, contradicts the clear notification of error email from XXXX received recently, and basically skirts the principal issue of integrity in this case. I am not pleased with how Capital One has handled this matter from start to finish either from the investigative end or from the customer relations end. I am considering further options, including hopefully this complaint through CFPB. Thank you for your continued assistance.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (FL)

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
" XXXX XXXX '' using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ XXXX. This authenticated record must include all tax filings ( including all XXXX 's, XXXX 's, and XXXX 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.