davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (VA)

In early XXXX of XXXX, my account at Coinbase was taken over and when I reported it to Coinbase, they blocked me from my account. They then proceeded to make unauthorized transactions in my account. They tried to tell me that my email account must have been hacked into and that is how someone got access to my Coinbase account. I strongly disagree. Someone within Coinbase accessed my account and used my debit card to transfer funds from my XXXX XXXX account or they allowed access, not protecting my debit card. They made numerous transactions and transferred everything to a Coinbase Pro account which I had never signed up for or used. Coinbase depleted my cryptocurrency and claimed that my XXXX XXXX bank reversed charges. I reported this to the police. XXXX XXXX claimed that they did not reverse these charges that Coinbase claims. They also stated that they had no record of an account in my name for some of the charges that Coinbase claimed against me. Though I told Coinbase this, they insisted that they were my charges. Coinbase refused to check where the funds had gone except for taking my funds and keeping for themselves. Coinbase has cost me nearly {$20000.00} and, in addition, caused me severe distress. Not only did not they not protect my debit card nor my account, they made claims that are untrue, refused to answer my specific questions about the reversed charges and even after a year of attempting to get answers, ignored letters to XXXX XXXX, kept claiming they were entitled to more time to investigate before I was allowed to take legal action and then, still without giving me the information I requested, again stated, as they had numerous times, that they considered my complaint closed stating, " your customer experience was not up to our standards and we are issuing you a credit of {$10.00}, and an additional {$50.00} for your wait for a response to your formal complaint ''. This is totally unacceptable and I want to be compensated in full for the losses from my account due to Coinbase negligence, possible internal fraud, failure to protect my debit card and account, making transactions in my account while blocking access to my account, taking money from my account stating that it was for funds reversed by XXXX XXXX which XXXX XXXX denies and Coinbase repeatedly refused to provide copies of such transactions. Coinbase claimed that they answered everything which they did not but then, again, closed the complaint. There are numerous emails from them just dismissing me and closing the complaint. This is how Coinbase treats their customers.
Consumer complaint received 2024-04-08
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)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding inaccurate information was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2022-12-07
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: EQUIFAX, INC. (NC)

XXXX XXXX  XXXX XXXX BALANCE : {$1800.00} XXXX XXXX XXXX XXXX BALANCE : {$440.00} 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 2024-02-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VW Credit, Inc (FL)

Recently, I did an investigation on my credit report which caused XXXX XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable item that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. Also I received your computer-generated letter stating that you not proceed with my investigation on my credit because in their opinion the letters were sent out by a third-party credit repair agency. I believe it to be a blatant violation of the FCRA. I submitted my government issued ID, social security card, as well as mail showing proof of address. I feel this was a stall tactic on their end to hinder me from being about to question the inaccuracy of this item on my credit report. I was the one that written the and mail them out not a third-part. Please have them verity the accuracy of this account and send me a proof of the master promissory note or signed contract regarding this XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Grain Technology, Inc. (GA)

I am writing to bring to your attention a matter of utmost urgency concerning my credit report. It has come to my notice that there has been a case of identity theft affecting my credit profile, and despite my efforts to rectify the situation, there seems to be a lack of action on your part. 

Upon reviewing my credit report, I identified unauthorized transactions and accounts that do not belong to me. I promptly reported these discrepancies to Grain XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX, through the dispute resolution process, providing all necessary supporting documentation. 

Regrettably, I have not witnessed any significant progress in resolving this matter, and it raises concerns about the efficiency of your identity theft resolution procedures. I would like to remind you that, under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to a fair and timely investigation into any reported discrepancies on their credit reports as well blocked and the removal of any fraudulent accounts due to identity theft. 

I believe there might be a violation of credit laws in the handling of my case. I urge you to investigate this matter with utmost priority and transparency, ensuring compliance with all relevant laws and regulations. Additionally, I would appreciate regular updates on the progress of the investigation and the steps being taken to rectify the inaccuracies in my credit report.
Consumer complaint received 2023-08-23
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. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Please refund {$310.00} in overdraft fees over the last couple days. 

Very sad and disappointed I always have to go through this channel to receive a response from you. 

Thank you.
Consumer complaint received 2024-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (VA)

I have recently just gotten my student loans moved to a new provider unfortunately, Nelnet. So far it's been a very difficult experience. Their website is not user friendly and trying to get into contact with them is very difficult. I spent 2.5 hours on hold before I finally was able to speak to somebody. The reason I had to call is because there was no way for me to apply to the payment plan I wanted online. Then, after she updated my information. It took me THREE months for them to process my request.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly to have them removed and havent received a response. 


Equifax : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (IL)

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 : AMERICAN EXPRESS ACCOUNT XXXX XXXXXXXX, Account name : AMERICAN EXPRESS ACCOUNT XXXX XXXXXXXXXXXX, Account name : XXXX XXXX  ACCOUNT # XXXX, Account name : XXXXXXXX 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 2024-04-08
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. (OH)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$8000.00}
Consumer complaint received 2023-08-05
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: EQUIFAX, INC. (MA)

This is XXXX XXXX once again, and I am submitting this CFPB complaint one more time to dispute specified remaining inquiries in my file resulting from the crime. Once more the inquiries I am disputing do not relate to any transactions procuring any possession of goods, services or money that I have made or authorized. I will repeat that these inquiries are unknown to me. Also, the information provided by the XXXX and Equifax Bureaus on these inquiries were already DELETED from my XXXX Credit Report and I have doubts in the reporting accuracy shown in my XXXX and Equifax Credit Reports, and the history on some inquiries are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I kindly request the XXXX and Equifax XXXX to fully remove these inquiries in my credit file, listed below : XXXX : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (WA)

Hi I bank with Wells Fargo Bank for a few years now I never had any problems with them. Every time I have any problems or doesn't recognize a transaction they would always fix it, but the last complaint I had with them they never fix it. Seem like they look the other way. I have XXXX unauthorized transaction I believe it wasn't me XX/XX/22 ATM withdral {$200.00} and XX/XX/22 XXXX XXXX {$26.00} I called and complaint I even went to the local branch on XXXX at least 3 times it seems they didn't want to help me they told me to call the cops and file a report and I also request for a photo of the person that withdral the {$200.00} because I want to see who it is they keep making excuses so I never receive any photo or video to me that was a red flag why can't they provide a picture of who withdral my account I mean camera at the ATM are made to take pictures right for that purpose. For the XXXX XXXX at that time it wasn't me when I first try out the ride I had to deposit {$20.00} dollars and after that I never XXXX XXXX XXXX  again because the scooter I believe it has some problems so I had a bad experience I also told the Bank all my electronic device is been hacked my email, phone is been hacked they come to a conclusion that I gave some one permission to withdral from my account I told them over and over again that I didn't give any one permission they end up closing the claim so they allowing some one going around and using my info and me dealing with the consequence and I'm on XXXX I barely make it every month I don't have the resources all I'm asking them is a picture so simple that pretty much would solve everything til now still no picture
Consumer complaint received 2017-12-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SCS Credit Corporation (IN)

The XXXX had was used ran good for about 2 months after everything went bad to the point where the engine blew and they told me I had to pay XXXX XXXX for new engine could pay so they took my car and messed my credit up
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-08-05
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. The 3 credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$430.00}
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : -. It is clear that Equifax is in the wrong here since these accounts are only reporting on their bureau.
Consumer complaint received 2024-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (NY)

My identity was stolen in XX/XX/XXXX and I obtained XXXX XXXX to monitor my accounts for fraudulent activity. I reported the fraud to XXXX, XXXX, and XXXX and had my credit frozen as soon as I discovered the fraudulent activity. I have had a credit freeze since that time and have not opened any new accounts. I have no loans, no mortgage, and no debts. The only credit cards I had opened prior to the fraud are paid off monthly. I have been recently receiving multiple calls per day, on my cell phone at XXXX, from a company called Credit Management. I do not answer the phone and they don't leave a voice mail when they call. The number XXXX was used on XX/XX/XXXX at XXXX XXXX  and again on XX/XX/XXXX at XXXX XXXX. I called the number from a different work phone number and the person answered Credit Management and I hung up. 

On XX/XX/XXXX I received a call from XXXX at XXXX XXXX and another on XX/XX/XXXX from XXXX at XXXX XXXX. I don't know if these calls are also from Credit Management as I didn't try to call them back. 

My cell phone number, XXXX was on the Do Not Call Registry before the identity theft started and I would like these calls to stop. I have had the same cell phone number for over 30 years so it can't be that someone else had this number before I did.
Consumer complaint received 2018-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This complaint is against Bank of America. I have a small business checking account with Bank of America. My company is a XXXX XXXX XXXX XXXX. On Tuesday XX/XX/XXXX, I was trying to use my Bank of America debit card online to purchase airlines ticket and book hotel. I was able to purchase my airline ticket but when I tried to book the hotel online, the transaction was declined. I tried booking the hotel again and the transaction was declined again. Finally, my husband booked the hotel using his XXXX credit card. Few minutes later, I saw an email from Bank of America about Security Alert :  Unusual debit card activity detected. It showed that the airlines charge was correctly approved and the hotel charge was declined. It also showed that a fraudulent charge with XXXX for {$520.00} was declined. On XX/XX/XXXX, I was checking my business checking account and I noticed 5 fraudulent charges from XXXX between XX/XX/XXXX and XX/XX/XXXX including a charge which the bank had confirmed via email that it was fraud and declined. I immediately called the bank and told them about the fraudulent charges. They asked me if I still had the debit card and I said yes. They opened a claim and told me that since no debit card PIN was used, it was clear that it was a fraud and they would refund for the 5 fraudulent charges totaling {$3500.00}. Since the claim was filed within 60 days, they said I have {$0.00} liability. They said they would mail me a fraud statement that I have to sign and mail them back. Next day, I received a temporary credit on my account. On XX/XX/XXXX, I received the fraud statement via mail which I signed and mailed it back the next day. On XX/XX/XXXX, I called them to check if they received the form and they confirmed that the form was received and that would investigate and credit back the claim permanently with 45-90 days. On XX/XX/XXXX, I received mail from Bank of America saying that the investigation was complete and the transactions were authorized, there was no error and now they would remove the temporary credit from my account on XX/XX/XXXX. These are fraudulent charges which were charged 5 times at 4 different locations of XXXX in California when infact I was not in California during that time. The bank should not take any money from my account for these fraudulent charges. I notified them as per law and they confirmed on the phone that the charges were fraudulent and now they are denying it. I also have email from the bank that one of the fraudulent charges was declined but still the money went out of my account. I was never notified of the other fraudulent charges via email. The credit should not be removed from my account.
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Called capital one about an account with my name, phone number, and social because I never made an account with them. This happened on XXXX after receiving emails of updated changes on my account that I never made. I received an email about a silver card from capital one that I never made as well.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (WA)

This online Money Transfer firm called Wise located at www.wise.com, closed my account and DID not refund all my balances outstanding. They refund two items, and one item of approx {$3000.00} USD was never refunded to me. 

I have diligently attempted to seek clarification and resolution by reaching out through multiple emails sent to supportrepy @ wise.com ; however, regrettably, I have not received any responses to date. 


This transpired around XX/XX/year>. 

Given the nature of this matter, I believe it is essential to bring it to your attention promptly. I would greatly appreciate your assistance in resolving this issue and providing an update on the status of the outstanding refund. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-25
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. (OK)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report