davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (NC)

Hello I initially deposited XXXX via XXXX on XX/XX/XXXX I could not use the funds in Coinbase to pay or move out so I initiated a dispute with XXXX. They reversed the payment upon dispute. On Saturday, I contacted XXXX to unreverse the charge and they confirmed it was sent back to you. See attached. The initial deposit of XXXX ( XXXX after fees ). This would cover the charge on my account of XXXX and leave the remaining XXXX in my account. 

At initial time of dispute and reversal, Coinbase charged XXXX out of my balance and left me a bill for XXXX XXXX 

Upon contacting XXXX and then confirming. This money in the initial deposit was resent to you on my behalf and the dispute closed. The initial XXXX $ and they emailed you XXXX times. 

Now Coinbase customer support has failed to understand or help me and claims Ive only paid XXXX and owe XXXX but I should have a XXXX balance in the account. XXXX returned the XX/XX/XXXX deposit as if the reversal never happened. 
I ask XXXX last time for you to not steal my money, update the account to where it was before with a XXXX $ usd balance and the remaining amount covers the charge initialed by you upon initial reversal that was since fixed and resent the funds to you. XXXX even emailed you theee times to confirm. 

Please give me my XXXX $ back to my account or refund it to my XXXX. This has been pure XXXX for XXXX days and the customer service reps have been no help and I am out XXXX XXXX because you havent updated my account with the deposit. They just claim I owe for it and my XXXX $ deposit sent back to them seems to cease to exist to Coinbase. They are trying to scam me of my funds
Consumer complaint received 2024-05-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC. (LA)

I tried a couple of times to close my account and withdraw all of the money in it and send it to an already linked account. They would always have an excuse as to why the transaction did not work. I am asking that my account be closed and the money be put into my linked account.
Consumer complaint received 2024-03-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Self Financial Inc. (PA)

In accordance with the Fair credit reporting act XXXX  Account # 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 2024-05-28
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: FC HoldCo LLC (CA)

In early XXXX of this year, 2024, I noticed numerous inquires in my account that were hard. I did both authorize or verify these companies. I was completely unaware of the actions of the companies running my credit. Below I will attach an FTC report in which states all the companies that had unauthorized inquiries on my account.
Consumer complaint received 2024-08-06
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. (NY)

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.

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 2024-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (CA)

I resolved this debt with a settlement in XXXX of XXXX. Radius Global Solutions stated that upon payment they would remove this adverse credit from the credit bureaus and til this day its still on there. Although they sent me a letter saying this debt was resolved. Every time I try to dispute it to remove it from my credit they wont do it! Although they said they would having reaching a settlement.
Consumer complaint received 2024-01-29
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: EQUIFAX, INC. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (MN)

There are a total of XXXX accounts reporting on my credit report from a company called XXXX XXXX XXXX. These accounts are fraudulent and they do not belong to me and I respectfully request that you remove them from my credit report expeditiously. I have filed police reports and and will be sending the original creditors these documents as well. 
The accounts are as listed below XXXX : Original Creditor : XXXX XXXX XXXX XXXX {$XXXX} Account No. ( Partial ) : XXXX Date open : XX/XX/XXXX Reported : XXXX XXXX, XXXX XXXX : Original Creditor : XXXX XXXX XXXXl : {$XXXX} Account No. ( Partial ) : XXXX Date open : XX/XX/XXXX Reported : XXXX XXXX, XXXX XXXX. XXXX : XXXX XXXX : XXXX XXXX furniture XXXX {$520.00} Account XXXX. ( Partial ) : XXXX Date open : XX/XX/XXXX Reported : XXXX XXXX, XXXX
Consumer complaint received 2024-05-27
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: Radius Global Solutions LLC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Missouri Laws Dear RADIUS GLOBAL SOLUTION, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ), and identity fraud laws relevant to XXXX, Missouri. 

It has unequivocally come to my attention that RADIUS GLOBAL SOLUTION has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section XXXX ( a ) ( XXXX ). 

In addition to federal law, Missouri state law, including statutes on identity theft and fraudulent credit reporting, emphasizes the necessity of consumer consent for credit reporting. These laws establish clear guidelines for the fair reporting of consumer credit information and underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for RADIUS GLOBAL SOLUTION to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that RADIUS GLOBAL SOLUTION immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and relevant Missouri laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that RADIUS GLOBAL SOLUTION will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-05-27
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: CAINE & WEINER COMPANY, INC. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Missouri Laws Dear CAINE & WEINER, I am writing to address the unauthorized reporting of information to my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as relevant identity theft laws under Missouri statutes XXXX 

It has come to my attention that CAINE & WEINER has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( XXXX ). 

In addition to federal law, Missouri law also underscores the necessity of consumer consent for credit reporting. Missouris identity theft statutes ( RSMo Section 570.223 ) emphasize the severity of unauthorized access and misuse of personal information. 

I assert that I have not provided consent for XXXXXXXX XXXX XXXXXXXX to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for federal and state laws. 

I demand that CAINE & WEINER immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouris identity theft statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws. 

Obtaining consent is a legal obligation under these specific sections of the FCRA and Missouri state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CAINE & WEINER will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (DE)

Due to the statue of frauds i want these accounts removed from my credit report ad it is hurting me from getting credit. I do not recognize these accounts ALSO I WANT THESE COMPANIES TO STOP FURNISHINGS MY INFORMATION AS IT VIOLATE THE PRIVACY ACT AND SSA ACT/ as a SSN number is not used to REPORT " PAYMENTS '' 18 U.S. Code 892 also 2-201. Formal Requirements ; Statute of Frauds
Consumer complaint received 2024-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (FL)

My identity was stolen and two accounts were open under the same address since XXXX. One of the companies was XXXX XXXX on behalf of XXXX XXXX in the amount of {$350.00} due since XX/XX/2021. I called the company directly provided documentation and and XXXX Report it was fixed and found to be fraud. The address was XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I lived in XXXXXXXX XXXX for XXXX years. The second company is XXXX XXXX and the collection company acting on their behalf is Bull City Financial Solutions, I tried calling them and all they wanted was my address to send me statements from an account that I dont owe. I filed a police report also and XXXX report that recommended not to send any personal information to this company. They are requesting a copy of my license and social security. Im a victim of identity theft and refuse to send them this information. I have been filing disputes with XXXX for the past XXXX years and they never want to take this charge off my account, they stated that is my account and the money is owed. I have outstanding credit and this is affecting it. I have included the XXXX report, police report and dispute from XXXX XXXX showing fraud. They had dismiss all my efforts. Pls help
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

On XX/XX/XXXX, I received two emails on the same day ( which I didn't initially see since I rarely access this account ), stating that someone had " attempted '' access to my account from a prohibited country. I have not traveled outside the U.S. since COVID and they have not provided any sort of log or proof of the date/time of this attempted access. My account has two-factor authentication and can't be accessed unless approved by my phone. My transaction logs for my account which I can now only see via the mobile application on my phone, shows no account activity other than my purchases and sales up to XX/XX/XXXX. I can have my employer verify I have been in the U.S. the entire time. 

When I tried to unlock my account, they stated I needed to send a utility bill and image of my Driver 's License, and selfie. I am in the XXXX XXXX XXXXd, so I initially did NOT want do this and tried to research the issue over the holidays. I eventually uploaded the utility bill, image of my DL ( with an added watermark by me to prevent its use for anything else ) and a selfie to show my picture matches my Driver 's License. However logging into the Support section ( all I can access via my PC ) it showed the support case was closed with no resolution. 

I have since, this week, opened another Case ( # XXXX ) and uploaded the same requested documentation, but I have not received any feedback nor do I see this new case under the Support History area as yet, although I'm told it exists ( see attached image ). They provide NO phone number for contacting Coinbase directly ( there was one, but now gone ) and it's only an online chat feature with personnel who do not provide much help in the matter and repeat the need to verify my identity. Also, the chat can immediately disconnect you ... even if you are simply changing a tab on your browser. 

The link they supply sends me into a loop of logging in and getting the 'locked account ' message. The 'Contact Form ' sends you back to Support without any way to unlock the account since clicking the ID Verification link loops you back to logging in ... which gets you the 'Account Locked ' message ( see attached image ).

Finally, I'm starting to see numerous online complaints with people having the same issue of being locked from their account and not getting any resolution. I am getting concerned that their company is purposefully keeping customers from their account to prevent withdrawal of funds.
Consumer complaint received 2024-07-05
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. (FL)

I am filing a formal complaint against XXXX XXXX regarding an erroneous account on my credit report. I request the Consumer Financial Protection Bureau 's assistance in resolving this issue promptly. This erroneous entry is adversely affecting my credit score and financial standing. Despite my efforts to resolve this directly with XXXX XXXX and the credit reporting agencies, the issue remains unresolved. 
XXXX XXXX XXXX XXXX Balance : {$6200.00}
Consumer complaint received 2024-05-31
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FlexShopper, Inc (TX)

On XX/XX/year> I scheduled a payment on FlexShopper 's website for {$120.00} to come out of my debit card. They are still calling me XXXX plus times a day even after I told them to stop calling me. I told them to stop calling me on XX/XX/year> and then the day after they call me five times! One of the agents XXXX flat out ignored my Do Not Cal request and said they will keep calling me regardless. He was rude and unprofessional. It's been XXXX dealing with this company I was having financial problems before and they would harrass me and I even had to file a complaint with the BBB. They even called me on XXXX XXXX XXXX a holiday after I again told them to stop calling me!
Consumer complaint received 2024-05-30
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (IL)

- XXXX XXXX I received a notification from credit karma that my credit dropped from XXXX to XXXX due to the fact that I owe XXXX the amount of {$770.00}. I didnt receive any letter or notification of this debt before it was out on my credit and I use only XXXX for years now. There was no sort of communication or notification from this company about this debt. 
XXXX my social and identity was stolen by an ex spouse of which it was reported to Irs, the police and credit reporting agency and I have a note on my credit stating to confirm anything with me on my phone number XXXX or my email XXXX before it is added to my credit and that wasnt done by this company. 
- This company also lied that I opened this account XXXX XXXX with XXXX and I stopped making payments XX/XX/year> and now it is a collection or charge off. 
- I have reported them to XXXX for further assistance and if they do not respond or take it off my credit I am filing charges against the company.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (DC)

Chase advertises XXXX Pink membership for Chase Sapphire Reserve card. I had the membership activated in my account and I was getting the benefit before. 

Chase issued a new credit card number because of a fraudulent transaction. When the new card number was entered to XXXX, it was no longer getting the benefit. I reached out to XXXX and I was told that the card was not eligible for XXXX Pink benefit. Benefit could only be active when the card was added for the first time. Since the card was re-added ( because of the card number change ), I was no longer eligible for XXXX Pink benefit ( screen shot attached ). 

Chase failed to inform their customers about the effect of credit card number changes to the advertised benefits ( XXXX in this case ). The change of the card number was not a choice ; it was changed because of a fraudulent transaction. 

I tried to resolve this issue with Chase since XXXX with multiple calls without any resolution. Chase and XXXX were pointing at each other.
Consumer complaint received 2023-04-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (NJ)

I purchased about {$170.00} dollars in clothing with XXXX XXXX XXXX about 18 months ago. I failed to pay on time so they added excessive late fees which are beyond the legal standards. They are now asking for {$470.00} dollars. I have no issues paying what I owe but the amount they are asking is sending the message that this is personal. They assigned the dept to creditor.
Consumer complaint received 2024-01-29
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (SC)

When I pulled my credit report trying to get my credit back in good standing I noticed that the reporting agencies all three have many different names on my report that are not mine a couple of different addresses that are not mine and they also have phone numbers that are not mine and never were mine some of these names belong to someone else so I'm afraid that it's going to cause more problems later. There is also accounts that have been charged off on my report and I think we all know that this isn't supposed to happen this is seriously hindering my credit they have also gotten all of this bad information from somewhere and they are reporting without my consent in some situations
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure