davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (KY)

My complaint is about coinbase. They state funds should be available between 48 hours of your tranfer from your vault to your account. My withdraw was initiated on XX/XX/XXXX for XXXX Bitcoin. At the time Bitcoins value was about 40 % higher than it is right now. I also did the same with my XXXX and XXXX vaults. 

I have emailed, called countless times etc. I am debating a law suit. The only answer they give me is that my complaint was escalated. No answers, no updates, nothing but a scripted response. 

This is a Billion dollar company. They either don't care or it is a fraud. 

My next complaint is to the FBI.
Consumer complaint received 2023-02-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

XXXX XXXX XXXX used deceptive practices to issue an auto loan to me and my husband. After complaining to XXXX XXXX XXXX XXXX XXXX XXXX used Covid 19 Pandemic as an excuse to their predatory lending practices stating that the courts weren't open and further more lied by stating they pleaded with an Attorney to put a rush on having some documents signed. Not sure how many times this company has been deceptive to the public but we brought the XXXX in XXXX not XXXX so the information they are providing as an excuse is completely false. The full response is with the XXXX XXXX XXXX  XXXX XXXX XXXX and is completely false. XXXX XXXX XXXX XXXX originated this loan and then sold it to Credit Acceptance Corporation for monetary gain. XXXX XXXX XXXX XXXX did not act in the best interest of me and my husband as consumers but instead originated a loan so that Credit Acceptance Corporation could reward them with bonus checks for how much money the would be projected to make off me and my husband. Credit Acceptance Corporation uses software to project how much money they would make off of loans that are originated for consumers that could not offer them by tacking on unnecessary products/items. Credit Acceptance Corporation knew that me and my husband could not offer this loan through probability factors but still accepted it knowing that we would default, messed up credit score and ultimately end in reprocession ceasing wages and having to start the rurally cycle over because at the end of the day consumers need vehicles no matter what credit score, they have. CFPB and New York Attorney General are currently XXXX XXXX for being deceptive to consumers.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OR)

Experian XXXX and XXXX are sharing my credit information without my signature persuant to 15 .u.s.c 1681a # 2n and 15 u.s.c 1692gb and engelhardt v.gravens
Consumer complaint received 2023-04-19
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)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2022-12-01
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. (IL)

In accordance with the fair credit reporting act XXXX account # XXXX, and account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : states I have the rights to privacy.

15 U.S.C 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Commencing around XX/XX/2021, I fell victim to a scam operation orchestrated by a fraudster named XXXX XXXX on XXXX app. Basically, I tried to buy a car online through the XXXX app and contacted this person who introduced himself as XXXX XXXX and allegedly sold me a car. It is important to mention that he said he was from the XXXX and the car was in XXXX. 

Through 28 transactions I sent him the amount advised above. We made a verbal agreement to send him XXXX USD per month. When I paid the last portion, I asked him to ship the car to me which he confirmed. After waiting for a while, I contacted him via WA to check the status of my delivery, however, I got blocked from his number and never heard back from him again. At that time, I realized that I had been scammed, but it was already too late. 

The money was transferred from my account via bank wire, through intermediaries named XXXX and XXXX in the total amount of XXXX USD. There were three beneficiary banks involved : XXXX, XXXX XXXX, and XXXX  XXXX XXXX, all based in XXXX. I would like to emphasize that I never used XXXX in the past, whereas I did have a XXXX account, but it was only used for covering small daily expenses. It is also worth mentioning that, while I was sending the disputed amount over the course of 11 months, at no point was I contacted by Region Bank. 

Furthermore, after I sent them a Dispute Letter in order to ask them to assist me, they kept delaying in providing a response. First, they asked me to visit their local branch and make a complaint in person. When I did, I heard nothing. Weeks after that, I went to the bank again, only to be told that the case was now too old and there was nothing they could do. It is safe to say that they were prolonging the case long enough to make a good ground for saying that it is now expired.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (VA)

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. 

Tracking Numbers- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name -Navy Federal Account Number - XXXX Account Name - Navy Federal Account Number - XXXX  Account Name - XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

XXXX Account Name - Navy Federal Account Number XXXX Account Name - XXXX XXXX Account Number XXXX, has violated my rights. 

XXXX Account Name - XXXX XXXX  Account Number - XXXX Account Name - XXXX XXXX XXXX Account Number - XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish any account without my written consent. 

15 USC 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency can 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 USC 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 2023-10-11
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: General Motors Financial Company, Inc. (NY)

I was viewing my credit report and noticed unfamiliar inquiries. My information have been used to apply for credit cards recently and commit fraud without my authorization. I ask that these inquiries be removed from my credit report.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (FL)

Avant Credit Card was paid in pull. Although I have contacted Avant, who state they submitted the card was paid in full and NOT charged off, the credit bureaus continually report inaccurate information. I have provided my credit card statement that shows the card was paid in full on XX/XX/. Howev4r, they refuse to correct the information.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

I always keep my funds in my savings, n transfer when I'm ready to spend or pay a bill. I recheck to see if the funds were actually gone from my checking so I know my purchase or bill was payed. Every now and then for the last couple years I have noticed negative charges in my checking account, and the Representatives At Wells Fargo that I have spoken with told me that it was a pending transactions, when the funds were no longer there to see in my mobile app. To avoid XXXX dollar fees per transaction I put my funds over to cover charges I never Made. Some charges were over {$100.00}. I am told to gather information myself. It happened too many times to remember specific dates. I informed them today as well.
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

Account name : XXXX XXXX XXXX Account # XXXX. Account name : XXXX XXXXXXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX XXXX XXXX, Account # XXXX. Account Name : XXXX XXXX XXXX XXXX Account # XXXX. Account Name : XXXX, Account # XXXX. Account Name : XXXXXXXX XXXX  XXXX, Account # XXXX. Account Name : XXXX XXXX, Account # XXXX. Account Name : XXXX, Account # XXXX. Account Name : XXXX 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 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 2023-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-07-27
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)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX 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 2023-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC (TX)

I wrote previously Fay Servicing BLOCKED my online access to make payments, XXXX responded with everything I did wrong or I did not do. XXXX XXXX to accept, listen to or own any of their own issues. A consumer can not access the company live agent without a XXXX minute process or making numerous calls as the phone tree requires a dozen questions then ends with " would you be willing to answer XXXX survey questions, press XXXX '' and that is XXXX. There is NO option to NO answer the questions. If you do not hit XXXX and answer questions BEFORE you are even serviced the system hangs up. If you answer the questions, it then hangs up on you. There is truly no rhyme or reason to defeat this process. The last time - month ago - I could not make a payment I opted to send via my XXXX XXXX XXXX. XXXX would issue an physical check and mail it. When I kept trying to reach a human and finally did, I told the agent I did bill pay. I was instantly scolded that XXXX did NOT accept bill pay!! WHAT??! I said but it is a check. I was told it would be rejected and I would be in default. Suddenly my online access was fixed and I could pay online and I did. Then again this month, SAME THING! I was able to finally pay last week, and my bank showed a pending payment and then it never cleared. XXXX called me last week to ask about a payment and I told them it was paid, the agent agreed she saw it and thanked me for paying. Now today, XX/XX/XXXX I see it is not yet posted. I tried to pay online and again XXXX BLOCKED BOX! I spent XXXX attempts and ALOT of button pushing to finally get through. XXXX in XXXX told me I now owe {$450.00} in DEFAULT INTEREST!!! THIS IS UNACCEPTABLE! I have been trying to pay this. XXXX XXXX puts customers in default to reap additional monies. PLEASE INVESTIGATE THIS! Per my call last week, the agent told me if payment not received by XXXX I would be in default. So how or WHY should I have DEFAULT interest ALL THE WAY BACK to XX/XX/XXXX?? I have interest due by loan itself for the month of XXXX. I should not also pay a default interest for all the same month as well, ESPECIALLY since I am trying to pay and the system is not allowing it. There is ZERO way of escalating anything with this company. I need a negotiated settlement on this interest. While I do NOT agree that I am in default, for the sake to settle this ROBBERY I will agree to 50 % of the {$450.00} and I want HALF of the late fees reversed. I want my escrow account UPDATED AND REMOVED upon payment of escrow arrears when paid tomorrow XXXX - because apparently your system REFUSES to take more than XXXX payment. Seriously, what bank does not want money?? Again, I am TRYING TO PAY and I am being REFUSED!!!
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I am here making corrections to my last compaint that I filed on yesterday about the wrong company I am not complaining about the previous company I submitted that was an error on my end. This is my first time making a complaint and I put in the wrong information and I ask that you please disregard/remove my last complaint as I did not file it correctly so today I am making corrections and will list the companies I am actually complaining about in the next section. 

The companies I am originally making a complaint on are the three major bureaus they have ignored my disputes that I have sent to them and have not responded to me at all and that is why I am making this complaint but not against a credit repair company but against the credit bureaus and they need to be held accountable for not responding to me at all as I have noticed a lot of inaccurate information reporting from all three bureaus down below I have attached my identification along with some of my previous letteres that I have submitted to them.