davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NJ)

I sold Bitcoin through Coinbase and their system claimed to have completed the wire deposit to my bank account on the same day, XX/XX/XXXX. The amount total is {$2900.00} after fees. As of submitting this complaint, it is XX/XX/XXXX. I have reached out to them several times trying to get an estimated date of the arrival of my withdrawal. At first I received an automated response telling me that wires would be delayed up to 10 days, which is clearly not true. After the 10 days passed, I reached out to them again and did not even get a reply. They have provided no transparency as to why I can not get my funds from that transaction.
Consumer complaint received 2023-06-15
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. (GA)

This is my 14TH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$2400.00}
Consumer complaint received 2023-06-28
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 (MS)

I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account. I believe this decision was made in error and I would like to appeal the restriction imposed on my account. 

Firstly, I want to emphasize that I have not violated any of PayPal 's policies. I have always conducted my transactions in accordance with the guidelines outlined by PayPal. Therefore, I am confused and disappointed by the sudden limitation imposed on my account. 

I kindly request PayPal to re-investigate my case thoroughly. I believe there has been a mistake or misunderstanding that has led to this limitation. I am confident that a closer examination of my account activity will reveal that there are no grounds for this permanent limitation. 

I understand the importance of upholding the integrity of PayPal 's platform, and I fully support efforts to maintain a secure and trustworthy environment for all users. However, I firmly believe that in my case, an unjust limitation has been placed on my account. I kindly request PayPal to review the evidence and reconsider their decision. 

Please take into consideration that my PayPal account is an essential tool for my online financial transactions, and the permanent limitation has greatly disrupted my ability to conduct business effectively. Therefore, I kindly request PayPal to expedite the re-evaluation of my case and, if possible, restore my account to its normal functioning. 

For further correspondence, please reach me at XXXX. I sincerely hope that PayPal will carefully re-evaluate my case and take the necessary steps to rectify this situation promptly.
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX  XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 2023-06-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (WI)

Wells Fargo lost almost ten thousand dollars from XXXX of my daughters custodial accounts and my checking and savings, saying that I withdrew funds and even overdrew my account when I had proof that I wasnt in that location and could not have accessed the accounts in that way or timeframe. When I brought this to their attention, they rerouted my accounts to new accts numbers so I could no longer access the statements or see the status and withdraws then closed my accounts and refused to bank with me never admitting to or replacing the money as ut was insured and I filed a police report and can prove that there was in no way myself or anyone else associated to me accessing my accts which had never been negative or withdrawn from previously, only deposited to.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information.
Consumer complaint received 2018-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I took out a credit card from Capital One several years ago after experiencing a XXXX illness which left me XXXX XXXX. My current interest rate under this credit card is 25.90 %. While I understand that my credit rating is not stellar, I always pay much more than the minimum balance each month to Capital One. I also have a car loan through Capital One which also has a much higher annual percentage interest rate. I realized after the XXXX illness that I would need to rebuild my credit after my inability to pay for my monthly medications under XXXX. XXXX has a {$3700.00} out of pocket expense on Tier One medications. 
Once I reach the {$3700.00} out of pocket expense, I go into the Medication Coverage Gap which means I then have to pay ANOTHER {$4700.00} out of pocket for medications. As I am a XXXX XXXX XXXX, I require about a dozen different medications. When I am in the XXXX Coverage Gap,  XXXX raises their out of pocket expense on XXXX and other life saving medications. I pay the highest premium under the XXXX Part D program for medications through XXXX. 
I was informed this past year by a XXXX representative that it did not matter HOW MUCH I PAY for the XXXX Part D premium, EVERYONE under XXXX, ( one of only 3 XXXX Advantage Plans in XXXX Wisconsin where I live ) pays the out of pocket XXXX Coverage Gap of {$4700.00} out of pocket expense for life saving medications. I would like the CFPB to investigate both Capital One on both my credit card and auto loan interest rates as well as XXXX and what I feel is XXXX fraud under the XXXX Part D program. In addition to the XXXX Part D program for medications, I also pay an annual premium for XXXX Part D of approximately {$130.00} per month PLUS 20 % of any / all XXXX Part B services. Again, XXXX does not pay the full 20 %, thus MORE OUT OF POCKET EXPENSES!!! With a limited fixed income, there is no possible way for me to pay for the high interest rates under Capital One for a credit card and an automobile loan in order to have a reliable mode of transportation in XXXX Wisconsin which has VERY FEW options for medical or non-medical transportation. Thus, the need for one credit card and one reliable vehicle paid for at 25.9 % apr/interest rate. I feel as a XXXX person, I am being discriminated against by both Capital One and XXXX, XXXX Advantage Plan. PLEASE HELP ME!!!!!
Consumer complaint received 2018-01-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc. (TX)

I have had my Conn 's installment loan for 3 years now. I opened this at the store in XXXX, TX. I had identity theft, which led to the payments being sent back from Conn 's on what otherwise would have payed off on the loan. Well Conn 's called me and offered what they called MATCH pay they said if i paid the two payments of {$230.00} they would waive the late fees, and match each payment after two consecutive months of payments. I paid the two payments two different months. Conn 's never matched my payments. I called them over 15 times, i asked their agents why i was lied to and told them to take a look at my notes on my account it clearly states match pay was approved. It 's been over 5 months and Conns still has n't matched my payments. I have called again and was told to call back in a couple weeks they are still reviewing it and will apply the payments soon. NEVER DID THEY APPLY These. My balance should be XXXX $ i would have then paid it off by now. I was promised this match pay by their management. When i called Conn 's credit. They keep telling me i owe XXXX $ because they have n't completed my match pay. When i ask why they keep saying they do n't know its a different department but they do see the notes on my account. So they are falsely reporting on my credit report as late.
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-01-03
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. (LA)

I called and sent in writing a fraud affidavit I explained to Experian I had been a victim of identity theft asked that they do n't extend credit without first contacting me personally The added the information yo my credit profile yet today I wake up to a new fraud account added to my report by XXXX XXXX ... no one contacted me in regards to this account. I am already trying to fight to have my identity back and Experian is adding more stress XXXX  something has to be done about these bureaus
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX 5. XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

So Ive recently checked my credit report on XX/XX/XXXX,  and I had noticed that the number of inquires on report are through the roof. I had been in disbelief, and I had good reason to be 13 credit inquires were reported on my report that I had recollection of no did I approve of the hard pull on my credit. So I sent an email to all three credit bureaus, XXXX, XXXX and Equifax explain that I would like to discuss why these inquiries are on my report if I did not have any knowledge of them. All three Credit bureaus declined my requests when I called in XX/XX/XXXX, the three names I had gotten from the associates were XXXX for XXXX., XXXX for XXXX, XXXX for Equifax they had argued with me and kept blaming me for the mistake on the report when I wanted some help to understand the situation. The customer service was terrible for all three companies, they made me feel guilty for calling, I would like your help to please help me get the customer service not only I that deserve but what others deserve too. The list of inquires are listed below : XXXX/XXXX/Equifax : 1. ) XXXX XXXX XXXX Date : XX/XX/XXXX 2. ) XXXX Date : XX/XX/XXXX 3. ) XXXX XXXX XXXX Date : XX/XX/XXXX 4. ) XXXX Date : XX/XX/XXXX 5. ) XXXX XXXX XXXX Date : XX/XX/XXXX 6. ) XXXX XXXX Date : XX/XX/XXXX 7. ) XXXX Date : XX/XX/XXXX 8. ) XXXX Date : XX/XX/XXXX 9. ). XXXX Date : XX/XX/XXXX 10. ) XXXX XXXX XXXX Date :XX/XX/XXXX 11. ) XXXX XXXX XXXX Date :XX/XX/XXXX 12. ) XXXX XXXX XXXX Date :XX/XX/XXXX 13. ) XXXX XXXX/ XXXX Date : XX/XX/XXXX These are the 13 inquiries I desperately need off my report I didnt authorize these credit pulls. I do not remember them and its cause me emency about of stress and pain this is cause me emotionally and this is me asking for help desk, please have these removed. 

Sincerly, XXXX XXXX XXXX XXXX : XXXXXXXXXXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2023-06-15
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-06-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NV)

this was an issue starting with symphony Bank when I was using PayPal were I tried to make a payment of {$500.00} didn't go through so they added {$500.00} of that to in already XXXX dept then 4 months later made a {$300.00} payment to them doing a plan to close the account then they sold it to the collection agency and haven't reported that it was sold to them which I heard that you have to do within 180 days which they didn't and now they're lying about this account being an adjustable policy or loan which is false it's been 2 years and this whole thing messed with my credit my ability to refinance my car and get an apartment I would like this done and over with so they could back off or come up with a settlement
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (UT)

I attended XXXX XXXX XXXX in XX/XX/XXXX. The loan was in the amount of {$5000.00}. 
The loan was paid in full in XX/XX/XXXXto XXXX XXXX XXXX in XXXX, NY. I just received my latest credit score from Experian and its showing a student loan in the amount of {$18000.00} that was opened in XX/XX/XXXX. I've been living in XXXX XXXX, Utah since XX/XX/XXXX. I have never took out any student loans in XXXX nor do I know anything about the loan. If you have any proof of the student loan in question please mail the information to me at the below address. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (CA)

I have late payment accounts due to the pandemic. I've since gotten back on track, and the creditors still report late payments on my charges. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( F ) Reporting information during XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. 

( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There was improper use of credit reporting, I have recently notice several fraudulent inquiries on my report one happening on XX/XX/2023 XXXX XXXX  and one on XX/XX/XXXX XXXX XXXX
Consumer complaint received 2018-01-01
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 asked that the credit reporting bearu verify the errors reported on my credit report and send me the results with all original documents supporting their findings per section 609 of the FCRA, I havent received any documentation and still theyre reporting numerous thats causing hardship in obtaining housing, credit, and employment.
Consumer complaint received 2018-05-07
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: CONTRACT CALLERS INC (NY)

On XX/XX/XXXX I filed a complaint through the CFPB website against CONTRACT CALLERS after XXXX/XXXX/XXXX notified me that CONTRACT CALLERS had responded to my complaints against XXXX/XXXX/XXXX  through the CFPB that the debt had been validated, which I know is not possible, because the account CONTRACT CALLERS has placed on my credit report is a result of fraud. An account that I have directly disputed with the company, XXXX XXXX, beginning when I learned of the first fraudulent account that was opened in my name for an XXXX XXXX account in XX/XX/XXXX or XX/XX/XXXX, and after that account was disputed and removed from my credit reports, in XX/XX/XXXX or XX/XX/XXXX I received notification of another account that XXXX XXXX allowed to be opened in my name and they then combined the two fraudulent accounts in an attempt to collect both accounts. The account ( s ) were removed from my credit reports in the past after disputing the accounts as fraud with the prior collection agencies who were sold the fraudulent accounts XXXX XXXX. 


On XX/XX/XXXX CONTRACT CALLERS responded to my complaint against them through the CFPB that they had validated the debt with the company and the proof that they provided is nothing more than a copy of a utility statement with my name and an account number at an address that I have disputed and had removed from my credit reports because it is not an address that belongs to me. CONTRACT CALLERS is in violation of the FCRA and the FDCPA because they willingly and knowingly provided inaccurate information to XXXX/XXXX/XXXX that they had/have validated the debt when they have not nor can they because the account is fraud and they have not fulfilled their obligation under Federal and State laws to prove that a disputed debt is valid. CONTRACT CALLERS CAN NOT claim that they have received validation from the company they are collecting the account for with a billing statement. AN ACCOUNT IS NOT VALID JUST BECAUSE A COMPANY PROVIDES a billing statement with a person 's name, an account number and address. IF THAT WERE THE CASE, no one who has had an account fraudulently opened in his/her name would be able to dispute fraudulent accounts to have them removed from their credit reports.