davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX, Coinbase opened trading of XXXX XXXX ( XXXX ) on their exchange. Before they opened the market, they were taking orders in which I placed a Limit Buy order. Once the market opened, the Limit Buy did not apply due to the heavy buying pressure. I then placed a market buy of approximately {$80000.00} for XXXX at approximately {$3800.00} per coin. By the time it filled a few seconds later, it filled at {$8900.00} per XXXX. I immediately placed a market sell as I did not expect the price to more than double in a matter of seconds. Despite multiple sell attempts, my order would not sell. All the while the price of XXXX was increasing until Coinbase halted trading at {$9500.00} per XXXX. The halted trading for about 20 hours and when it resumed, the market price was reset to approximately {$4300.00}. There are several questionable actions by Coinbase that caused a large sum of money to be lost which is why I am filing this complaint : 1. My market order at {$3800.00} did not fill until {$8900.00}. 
2. Selling was not working. 
3. They froze trading and reset the price to {$4300.00} which immediately cut my investment value by over 50 %. 
4. Immediately after the price increase, there were insider trading allegations against Coinbase due to the massive price pump during the time my trade executed. These are still being investigated. 
5. The price of XXXX on Coinbase was nearly triple the price on any other exchange further reinforcing the suspicion of price manipulation.
Consumer complaint received 2024-08-29
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. (IN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2017-12-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (GA)

Account with an appliance company and if only a day late they will first repeatedly call personal cell phone every hour then start calling work number. This is the third time from XXXX XXXX that I have received a call with the latest call received today at my place of employment XXXX XXXX, XXXX at XXXX XXXX while I 'm servicing customers. I have repeatedly asked the caller XXXX to stop calling my work. I pay the account online and have never missed a month of payment. This company took over for the original holder of the agreement which went out of business ( H.H. Gregg ) and if I was going to be late I just notified them. I 've attempted to do the same thing with this company ( XXXX XXXX ) but she continues to call even after arrangement has been made.
Consumer complaint received 2017-09-10
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)

XXXX XXXX, XXXX Equifax had a breach in their online security which resulted in potentially sensitive personal data being released to bad actors. I have two complaints : 1. FINE PRINT. To find out if your personal data is subjected to this breach you need to opt-in to legal language which precludes you from being able to take legal action in the future. This is an obnoxious display of corporate ego and does nothing to support the common working man who could be a victim of identity theft for years to come. 

2. PLAN MOVING FORWARD. Equifax 's solution is to offer one year free of credit monitoring and then they suggest consumers pay for credit monitoring after that year? For how long? SS # s do n't change. This data will not lose value on the black market, ever. Equifax is positioning itself to PROFIT from this breach for YEARS to come through credit monitoring. This is also a revolting case of corporate ego.
Consumer complaint received 2024-09-09
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. (FL)

I just recently looked at my credit report XX/XX/XXXX I saw some hard inquiries that did not have permissible purpose. I also have the Evidence, which is a copy below my complaint. I will like for all of the Inquiry to be removed Deleted immediately from the three credit Bureau! XXXX, XXXX, and Equifax, that this inquiry due to Violation of 15 USC 1681b Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: On-Site Manager, Inc. (WA)

On-Site corp., is a background reporting agency, contracted by XXXX XXXX. 
On-Site reporting agency. On-Site.com, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. 
This agency reporting inaccurate information. The agency alleged they are using Information they say is pulled from both three national reporting agencies, the XXXX data base, and the residing XXXX XXXX XXXX XXXX data base. 
Their charging customers monies then requesting the customer to present legal documentations to dispute and qualify for the right to lease. 
The agency request client to retrieve and forward information to an assigned link. Each time a report need to be generated. Each request is a new charge in monies and the system do not upload current updated information. This is the client responsibility. 
The both XXXX XXXX and On-Site XXXX, are taking a advantage of low income and disable individuals during their application process. The property are governed under, XXXX XXXX XXXX XXXX XXXX, XXXX program, XXXX and XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I 've been disputing this debt for a while now, these two debts do not belong to me. After failing to prove validity, these two accounts still remain on my report. These collection accounts were opened in XXXX but the original creditor states the accounts were established in XXXX. Now at the i was only about XXXX years old. So i find it highly ridiculous to keep these two accounts on my report. I was a victim of identity theft before i was of legal age. My information was forged, hence why i have verified my info with XXXX. On my report from them there was inaccurate info such as my date of birth and legal name. My report contained several pieces of false identifying information. XXXX  has removed those items, including these two accounts. So i dont know why XXXX XXXX is still listed on my XXXX and XXXX The creditor claims these accounts are not fraudulent, which is why the bureau 's are making it hard to remove this frivolous mess. I want proof of validity sent to me immediately. The debt collector and the original creditors response will be shared with my attorney.
Consumer complaint received 2017-09-10
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)

Equifax announced in early XXXX that the personal information of millions of American consumers were leaked due to a cybersecurity incident, and I am one of the affected. The incident involved a flaw in XXXX 's " XXXX '' software which Equifax used as the foundation to their web application. By way of analogy, Equifax 's web application software is like a brick-and-mortar bank with consumer data in its vault. A flaw in XXXX is like a bank mistakenly leaving a window open, allowing a burglar to access the interior of the bank. Cyber criminals used this flaw to access the vault. As XXXX XXXX XXXX XXXX XXXX  Vice President ) said : " It is good software engineering practice to have individually secured layers behind a public-facing presentation layer such as the XXXX XXXX framework. A breach into the presentation layer should never empower access to significant or even all back-end information resources. '' In other words, the vault should be locked so burglars gaining access to the building can not enter the vault. Equifax perhaps could not have known or be held responsible about a flaw in XXXX, but their negligence allowed this flaw to result in the leak of consumer data.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

On XXXX/XXXX/XXXX I went to add a security freeze to my wife 's account and my account and they are wanting to charge {$5.00} to do this. By placing a security freeze on your credit report for Equifax and their breach is only adding insult to injury. They are looking to make millions by ALSO charging everyone affected to place a {$5.00} charge to do this. So if you have XXXX XXXX people times the {$5.00} charge, you are looking at them making an additional {$710.00} XXXX dollars to place the freeze on your account. That is bull. They should be allowing everyone affected to place a freeze on their accounts free of charge, as well as enrolling in the protection they are offering everyone.
Consumer complaint received 2024-10-13
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: Experian Information Solutions Inc. (NC)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 5 inquiries on my report that I have no knowledge of XXXX XXXX XXXX I never had a account with the debitor thats claiming I lived in that apartment
Consumer complaint received 2017-09-10
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. (WA)

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Consumer complaint received 2017-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (PA)

During my investigations into a fraudulent withdrawal, I discovered erroneous billing through my credit card. I had booked a trip through a travel agent and paid with my credit card for {$4300.00}. There was an existing balance of about {$4000.00}. Later on that week. I had made a cash payment on the credit card for {$4600.00}. However, I recently discovered that Wells Fargo did not charge my card, rather issued a cash advance. My payment of {$4600.00} was allocated to my purchases and not my higher interest rate cash advance balance. This error increased my interest charges unfairly and outside of the scope of our agreement.
Consumer complaint received 2017-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (FL)

I had a judgement against me from XXXX XXXX XXXX, on behalf of XXXX XXXX, who purchased an old debt and took me to court for it. I filed for chapter XXXX bankruptcy and was granted a discharge in XXXX, XXXX. I put my house up for sale in XXXX and found a buyer. during the title search, it was discovered that the judgement remained in place for XXXX and needed to be cleared. I contacted XXXX XXXX XXXX and was told they no longer had the debt and gave me a number to call. I found out that Resurgent Capital Services now serviced this debt and I contacted them to make a payoff arrangement to clear the lien. I spoke to XXXX, who said they would accept a payoff amount of XXXX i agreed and asked that they fax the payoff letter and wiring instructions to XXXX XXXX XXXX Who was the attorney handling the closing. They said it would be 24-48 hours for the letter to be faxed. two days later, I had to call again because he had not received it. I spoke to XXXX XXXX and she said they were behind but would send it asap. XXXX XXXX received it shortly after, but it was n't sufficient, so he faxed them back a request for proof of assignment and wiring instructions. see attached. I called again and spoke to XXXX XXXX and was advised his fax was received and was being reviewed by a manager. I asked her to contact XXXX XXXX as soon as the information was reviewed. He received nothing. I gave permission for him to be given any information so that he could call, but he was not able to get through to anyone. because of the delay, the closing went through but a large portion of my proceeds were held in escrow until this can be settled. I called again last week and spoke to XXXX XXXX yet again, was told that they would not be able to provide the requested proof in writing and when I argued the point, the call was disconnected. I have still received no response from them, either from the bankruptcy department, the compliance officer or customer service, whom I have sent emails to.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

Experian does not allow consumers to quickly freeze their credit online or by phone. It has insufficient and unsatisfactory means to contact them for problems with placing credit freezes. 

Their website includes misleading and incorrect information and there is no way for a consumer to actually contact them about security freezes. 

On XX/XX/XXXX 2017 -- after I found a fraudulent charge on one of my credit cards AND found out I was part of the Experian data breach -- I attempted to freeze my credit at all three main credit bureaus. 

The Experian website did NOT allow me to place a freeze, instead directing me to MAIL all the needed information -- including sensitive information like my complete Social Security Number and other identifying information -- to an address. 

( Specifically, I entered all my information correctly online -- as I had at the other two credit bureau sites -- and Experian would not allow a credit freeze to be placed. It simply said they were " unable '' to do it ... no explanation about why ) Because I had just been the victim of fraudulent charges, I did not want to proceed by mailing all of my sensitive credit information by the postal service. 

The website said however, that security freezes could be placed by phone. This web page clearly states they can be placed by phone : https : //www.experian.com/blogs/ask-experian/how-to-add-a-security-freeze-to-your-credit-file/ However, when you call the stated number, you can not. ( It 's not that there was a problem specifically with ME doing it ... if you go through the lengthy phone tree, as soon as you select that you want to place a security freeze by phone, the message says you ca n't )
Consumer complaint received 2017-05-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

I was contact ed by a 3rd p arty loan discharge program and was advised that  XXXX   XXXX   XXXX  along with Navient were under  a Class Action suit. I explained I was in program with Navient to repay my loan under an Income Based Repayment plan. I was advised that I should qualify for an Pay as You Earn program which has lower requirements than the IBR plan. They also mention that this is one of the practices that brought about the class action suit against Navient because they mislead customers no loan repayment that is less cost effective for the customer but benefits Navient. I was also given multiple offers of forbearance instead of being offered a more affordable payment plan
Consumer complaint received 2017-09-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (CA)

I never had an agreement or contract with this company Monterey Collections XXXX but started receiving calls from them stating I owe them money for a closed and old debt from a company that was taken out in XXXX that never contacted me since I can remember. I started receiving the calls in XXXX and my credit report was hit in XXXX. They 've since then been adding {$1.00} a month to knock my credit score down tremendously. It 's frustrating because I 've since worked in my credit and cleaned it up since I 've retired due to the financial struggles I experienced while on XXXX XXXX not by choice. How can a company I have no agreement, contract or any dealings with do this? Being threatened over the phone to sue me and attack my score until I pay them in full has really affected me mentally and physically. They 've kept there word with the " affecting my score threat! '' It 's also odd they have my old address but I was never contacted by the original company. I 've even gone through a debt consolidation company that included this past debt called XXXX XXXX XXXX XXXX. I 've had enough medical and life issues I 'm dealing with daily and these people are n't helping me or my situation by harassing me or others. Please help.
Consumer complaint received 2017-12-16
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)

I am writing this letter due to the recent credit breach. My personal information was affected by the recent credit breach, your company has been placing obsolete, inaccurate information on my credit file. I am unaware of the inaccurate accounts and inquiries listed on my credit file. The letter is attached in the file below. I have file with the FTC, I have filed a police report against your companies, also filed a lawsuit against your companies for violating my rights, placing information on my credit without my consent, defrauding my credit file placing inaccurate accounts and inquiries on my credit file to compensate money for bad inquiries and accounts. Please be advised that this isnt a threat its the final goodwill letter.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I complained to the credit bureaus before letting them know that a fraudulent address was listed on my credit report and that I was a victim of identity theft. I even submitted copies of the identity theft reports and according to the Fair credit reporting act. Once a customer submits an identity theft affidavit, proof of identity then the credit bureau must remove and block such information that is been disputed within XXXX business days of getting the complaint and been notified that the account been reported is false due to identity theft. On my credit report an incorrect address is listed which is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I never lived at this address.