davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I have Euro XXXX sitting in my account with coinbase. 

I have been trying to withdraw the funds for the past 4 weeks. 

The first week was due to my error in linking the wrong account. since then I have sent XXXX euro to verify my account as per their online instructions. 

I have reported via their support desk and called them 3-4 times from the XXXX. 

They said that I should send XXXX euros to make it work, which I did. The money appeared in my Coinbase account but the bank account is still not verified. 

they say they have a backlog of issues like this, this is unacceptable and I need to withdraw these funds as soon as possible. 

thank you
Consumer complaint received 2024-06-19
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: EQUIFAX, INC. (TX)

I have made repeated attempts to address the fraudulent, inaccurate, and misleading information present on my consumer report, but the issue remains unresolved. The inclusion of these erroneous items has had a profound impact on my life, causing significant stress and anxiety. It is crucial to emphasize that I did not authorize or consent to the association of this information with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-06-19
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. (DE)

Dear Sir/Madam : I received a copy of my credit report to open a loan and was denied. I was told I had this account that I didn't recognize. THIS IS A FRAUDULENT ACCOUNT. I DO NOT OWE THIS COMPANY ANYTHING. PLEASE DELETE, BLOCK REMOVE IT AS MY CREDIT IS VITAL TO MY LIVELIHOOD. 

I contacted the Federal Trade Commission and filed a complaint XXXX XXXX which is attached. Block and remove THIS information from my credit report, and send me an updated copy of my credit report.
Consumer complaint received 2024-01-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Chime Financial Inc (PA)

I wanted to transfer funds from my chime account to my main account. I XXXX chime customer service. The number XXXX appeared i called. A person described himself as a chime customer service representative. He told me go to pay to.Type in the name XXXX XXXX. He then said to type in the amount i would like to transfer XXXX and in the message type in for test. He said we would do a test run to see if goes thru. So i hit the pay to button. And as soon as i did that the person hung the phone up and my money was gone.
Consumer complaint received 2024-01-02
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Opened a credit card with Saks Fifth Ave store in XX/XX/2023. Returned some items purchased and received confirmation about the returns through email. Paid in full for items not returned.unknown amount of {$350.00} on XXXX statement. Spoke with Saks Fifth Ave customer service and Capital One bank for an explanation. Nothing has been resolved. I now have a late charged to the {$350.00} it is now over {$380.00}. XXXX from Capital One id # XXXX And a case number from Saks Fifth Ave XXXX. 

XXXX
Consumer complaint received 2024-01-02
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: CREDIT ACCEPTANCE CORPORATION (PA)

Back on XXXX XXXX I file a complaint with the CFPBIn response to my complaint, on XX/XX/XXXX, in response to the complaint I received the following response ( XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results is listed below : Company Name XXXX XXXX XXXX  THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. ) CFPB Complaint is ( Attached ). 
Please delete credit XXXX account as this account has been report inaccuracies XXXX lates after CLOSED account/COLLECTION status for XXXX yrs. starting XX/XX/XXXX, additional, this car loan was a XXXX contract term that expired XX/XX/XXXX ( copy of contract attached ) after which is reporting active XXXX lates even after the term of the contract ( from XX/XX/XXXX to XX/XX/XXXX ). 
On ( XX/XX/XXXX ), CFPB ordered resolution for the account was deletion from my credit file which has yet to happen ( SEE ATTACHMENT )
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I am currently under the PSLF ( since XX/XX/XXXX ). My loans have been placed on an automatic deferment, by MOHELA, due to me attaining my XXXX ( estimated completion in XXXX XXXX ). On XX/XX/XXXX I spoke with XXXX ( very helpful and professional ), from MOHELA, requesting to remove the deferment so I can make qualified payments towards my forgiveness. She assured me that the deferment would be lifted in 3 weeks to 1 month max. It has been nearly 2 months and the deferment is still there. On XX/XX/XXXX, I called MOHELA and spoke with XXXX, who unprofessionally hung the phone up on me. I would simply like the deferment to be removed so I can make qualified payments to receive forgiveness. Time is of the essence, and each month that passes without me making qualified payments affects me. I am very disappointed with MOHELA. Thank you.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-19
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: EQUIFAX, INC. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/XXXX I attempted approximately XXXX times to deposit my initial paycheck via NFCU mobile app. Although the image was indeed clear, I constantly received the error message that the check could not be deposited. I wrote the mobile deposit disclaimer below my signature as instructed. Knowing that Christmas was approaching, I drove a long distance to the nearest NFCU atm to deposit the check. The ATM would not accept the check. I tried again at the next ATM, the same outcome. This experience is unfair as I am aware of several other members who have been able to utilize the ATM and mobile deposit features for amounts way larger. Additionally, the mobile deposit feature has been heavily advertised by the credit union. My check not being accepted is disparate impact and treatment. The payroll check was {$3100.00}. I also dont have any history of scams or depositing bad checks. 

The next day I called in late for work to walk my check in the branch around XXXX. The teller advised my funds would not be available until XX/XX/XXXX, Tuesday, the day after Christmas. She explained the Thursday would not count as a business day although I made the deposit before Thursday nights processing time. 

Friday morning I woke up to an email from NFCU stating my funds would be delayed an additional XXXX business days, as they had confidential information indicating the check may not be paid giving the them reasonable cause to believe the check would be uncollectible. In response, I provided my employers payroll email and phone number and corporate address for verification. I work for XXXXXXXX XXXX an in house lender for one of the largest developers on the XXXX XXXX. My new employers payroll account is with XXXX XXXX XXXXXXXX. I also explained that I am aware of several members who have never been subject to extended delayed times when making deposits. This too, is a UDAAP violation and example of disparate treatment. 

In typical corporate greedy fashion, the banks only response was to send me a list of their deposit policies. 

Screenshots corroborating my response are attached.
Consumer complaint received 2023-09-30
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: EQUIFAX, INC. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-17
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: EQUIFAX, INC. (FL)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I arrived from an XXXX XXXX XXXX XXXX trip in the XXXX on XX/XX/XXXX. I was in the XXXX from XX/XX/XXXX through XX/XX/XXXX. I was able to use my credit card a few after arrival and received an email notification from Bank of America of possible fraud activities with my credit card account. I immediately reviewed my account online and noticed multiple fraudulent activities in the amount of approximately {$3000.00} plus. I immediately notified bank of america of fraudulent activities involving my credit card account. Bank of America initiated their investigation of the credit card activities as noted on my XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. A letter was sent to me Bank of America dated XX/XX/XXXX stating that the bank has completed their review of my fraudulent activities complaint that found I am still responsible for {$1700.00} and that my account was credited a total of {$180.00} with itemized on charges that the bank found that I am still responsible. I reviewed the letter and submitted a letter to the bank disputing their findings since many of the charges except for the {$710.00} out of {$1700.00} were fraudulent charges on my account. These charges were not done by me. I immediately submitted a payment of {$710.00} to my account on XX/XX/XXXX as my full payment for charges that I am responsible for on my account. I disputed the remaining amount of {$1000.00} by send a letter to Bank of America that was mailed on XX/XX/XXXX. Many of these charges were gasoline station ( XXXX ) charges often done the same day. As per my account history, I do not normally use XXXX for filling up gas but may have used XXXX may be XXXX per year. I usually go to XXXX 's gas station for filling up gas. Other fraudulent charges that the bank has found me responsible were fast food items such as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. These charges were not done by me. Since mailing the my dispute letter on XX/XX/XXXX, I have not heard anything back from Bank of America. I called Bank of America on XX/XX/XXXX to follow up of my dispute and was told that they have received my letter but was told that their investigation finding is final and that I am responsible for the full amount of {$1700.00}. I am therefore submitting this complaint to CFPB to voice my complaint as I am continually being asked to pay for charges that were fraudulently charged to my account.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CT)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or XXXX  verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX  XXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information from my credit report. The information that I demand to be deleted is attached with this affidavit. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not make the charge. I demand that the items be deleted to correct my consumer credit report. I reported this theft to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible.
Consumer complaint received 2023-09-30
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: EQUIFAX, INC. (SC)

This is XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and XXXX data breach.
Consumer complaint received 2024-06-19
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: EQUIFAX, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIN XX/XX/2022 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Review attachments Dear Experian XXXX Assistance, I trust this letter finds you well. XXXX XXXX XXXX XXXX XXXX I am reaching out to address certain discrepancies identified in my credit reports, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I view these discrepancies as an account of services rendered inadequately and seek rectification. 
Enclosed with this letter, you will find what I refer to as " Counts, '' each representing distinct instances where I believe Experian has fallen short of its obligations under the FCRA. For the sake of clarity, I will refer to these " Counts '' as individual line items on this invoice. Please review the attachments to this complaint in its entirety. 
Invoice for Rectification of Fair Credit Reporting Act ( FCRA ) Violations Count No. Description of Violation Invoice Amount 1 Negligent Noncompliance with 15 U.S. Code 1681a {$12000.00} 2 Negligent Noncompliance with FCRA - Adverse Information {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX