davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

On XX/XX/2024, at XXXX XXXX PST, I deposited {$15000.00} into my Coinbase account. The funds were to be available for transfer out of Coinbase by XX/XX/2024. Upon depositing, I was charged a {$49.00} fee, which was disclosed. However, Coinbase did not clearly disclose a 1.00 % " spread '' fee when purchasing Ethereum, which I only realized after the transaction was completed. 

This 1 % spread equates to an additional {$150.00}, which I consider excessive and non-transparent, especially since the purchase does not involve an open market transaction but rather a purchase from Coinbase 's inventory of Ethereum. Such a high spread is atypical for a transaction of this size in the cryptocurrency market. 

The situation worsened on XX/XX/2024, at XXXX XXXX PST, when I received an email from Coinbase indicating they had concerns about potential fraudulent activity and had temporarily limited my ability to send any crypto until XX/XX/2024. Despite multiple attempts to clarify with Coinbase support that the funds were intended for transfer to my own personal hardware XXXX wallet to which I have previously and successfully transferred {$20000.00} over the past two yearsthe restriction was not lifted. The customer support response was repetitive and unhelpful, redirecting me to a generic help article without addressing my specific situation. 

Coinbase advised that the only way to retrieve my funds was to sell the Ethereum and transfer the money to my bank account, which would incur additional fees, including another 1 % spread and a withdrawal fee. When I requested a waiver for these fees or a refund of the original fee, I was informed that no fees could be waived. 

Deposited {$15000.00} on XX/XX/2024. 
Attempted to address the issue through Coinbase customer support, receiving only generic responses. 
Requested fee waivers due to the circumstances, which were denied.
Consumer complaint received 2023-05-22
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. (NC)

So I sent a letter off on XX/XX/23. Here is my tracking numbers XXXX XXXX, XXXX XXXX, Experian XXXX. To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution are suppose to share my information with third party people. 

These are a clear violation of my federally protected consumer rights.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-05-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (FL)

Why Hyundai of XXXX XXXX is running a hard credit without my authorization and I didn't request to buy or lease any car. 
My XXXX returns the car and lease for 36 months fine, but suddenly without my authorization, they make a hard inquire twice. I didn't request, I didn't buy or lease a car under my name?, why impact me for 26 months and twice? 
Check attached
Consumer complaint received 2022-10-19
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: Experian Information Solutions Inc. (MI)

Over a period of time I have been contacting each creditor & bureau regarding inaccurate debts reporting to my credit file I have contacted each creditor & bureau regarding them going against the fair credit reporting act section 609 & 611. To my nature the law states that creditors & bureaus are all supposed to report 100 % accurate information in this case they are not. To be more specific these creditors & bureaus are reporting inaccurate debts which is bringing my credit file down tremendously & when I ask for a written response showing the validation from the creditor to bureau I keep getting prolonged or not getting all the information I asked for or they would report another inaccurate date, balances, open account date & then say its validated. 

Credit bureaus Experian, XXXX, & XXXX have been going against the rules they are supposed to follow & have not been providing me with the proper documentation from each creditors Creditors are updating my file through a computer generated system when I asked for all of the proper documentation showing the accounts they validate I still have not receive the proper documentation & under law of the FCRA each of these accounts reporting on my credit file should be removed. 


I have sent XXXX XXXX & Experian documents properly showing where everything is inaccurate that they are reporting onto my file even though its right there for them to see. These companies know they are wrong & I am demanding a change I am demanding that they remove these accounts by law or they will get sued for that I have been dealing with this problem for a while now & i am no longer accepting this! 


The companies are : XXXX XXXX XX/XX/XXXX {$540.00} XXXX XXXX  XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXXXX/XX/XXXX {$200.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$310.00} XXXX XXXX XX/XX/XXXX {$760.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$500.00} XXXX
Consumer complaint received 2023-12-09
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. (GA)

From a dispute placed in XXXX 2023 The Collection Agency CAINE & WEINER COMPANY INC, was removed from my credit report. As of XX/XX/2023, on XXXX somehow this collection is continuing to reappear with the same inaccurate information on my credit report. Account Number # # # # # # XXXX
Consumer complaint received 2022-12-07
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: ALLY FINANCIAL INC. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violation my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer report agency can not furnish an account without written instructions 15 USC 1666B : A creditor may not treat payment on a credit card as open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-22
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. (AR)

In accordance with the fair credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXeported a late payment in XX/XX/ has violated my rights.

15 USC 1681 Section 602 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 my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment credit card account under an open end consumer credit plan as a late for any purpose.

I greatly appreciate your attention to this matter and your commitment to upholding consumer rights. I request that you keep me informed of the progress and outcome of the investigation.
Consumer complaint received 2022-12-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file 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 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 XXXX
Consumer complaint received 2023-09-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc. (AZ)

XXXX Collector is trying to collect from me a debt that does not belong to me. And refuses to remove false information from my credit report. Debt for rent at XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, I have never lived at this address or rented this property.
Consumer complaint received 2023-08-14
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2023-08-14
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXX
Consumer complaint received 2018-04-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (AL)

high rate interest 12.99 % .account number. Monthly payment XXXX. Daily interest {$1.00}. Collateral XXXX XXXX XXXX XXXX. Is too much inyerest .I colled many times for reduce interest rate but no happen nothing.Wells Fargo dealer service
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Early Warning Services, LLC (NJ)

Early Warning XXXX XXXX XXXX XXXX. 
XXXX, AZ XXXX Dear sir, I have received an email which had two attachments regarding the XXXX  XXXX XXXX. Dispute Case ID is XXXX, and account # is ending number of XXXX. As one victim of fraud, I do not believe the written addresses because I am not sure whether my personal documents have been arrived to the office. In this letter, your company employee stated the reinvestigation confirmed that the information in my file was accurate ; however, I have received two different documents around the end of XXXX. I want to know why you can say my file is accurate without proving and showing me which file is accurate. Since one of the files is difficult to understand, I request the explanation to understand myself. 
Sincerely,
Consumer complaint received 2023-04-14
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. (TX)

Experian, XXXX, and XXXX are reporting Fraudulent on my credit report. XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX are not my accounts. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX hard inquires are not mine and unauthorized.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I called Transunion twice over the phone and spoke with representatives who told me that for them to remove unauthorized inquires on my Transunion credit report, I had to contact the bank and get them to send me a letter, than send Transunion a letter. The other option was to file a police report. I told them it was against the law for them to deny this service as unauthorized inquires were affecting me and my credit profile. This is against the law for them to deny this upon request.
Consumer complaint received 2022-11-30
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)

XXXX ACCT # XXXX DATE OPENED : XX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

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 an account without my written instructions.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I bought a home in XXXX, {$69000.00} and moved to the XXXX XXXX. I became a real estate agent. I opened a bank account with Bank of America, in the city of XXXX. and soon after, I started getting non-sufficient notices after I would make any type of payment with my checking account or debit card. I work in the XXXX XXXX field and I was making large deposits from my commission checks. i always made sure that I had sufficient funds before i made any payment. I lost my house. 

First I started receiving a new debit card in the mail without me requesting one. i contacted the bank and they could or would not tell me why I received a new card. I did not report it stolen or lost, so I was confused. I then started receiving calls that my payments to my Mortgage, my utilities had not been received. Everytime i got a call I would confirm that I made the payment. I was always told my payment was not received but my checks would come back as paid every month. I would have to make the payments again, by cash to XXXX XXXX I thought maybe someone got a hold of my account, so I would close out my account and open a new one. In XXXX I bought my 2nd home, {$210000.00} and the problem continued, I was told not 1 payment had been received, I lost that home, and became homeless. In XXXX I bought my 3rd home {$190000.00}. The worst was when I bought a Cell phone store, I lost $ XXXX and it was lost instantly, it just disappeared. The calls kept coming in telling me they did not receive my payments. I had my utilites shut off. I would go to the bank to speak to the XXXX, He would leave to lunch and not come back. I did this for months I could not put my money in the bank anymore. I lost all my houses, my XXXX, my XXXX, because my payments never made it to the companies. I still can not open a bank account because if I do my money just disapears. I did a lot of investigation and found that my money was going out of my account by online checks they were not real checks they were just look a like online, but Bank of America would not help no one would help. My family started thinking I was spending my money and not paying my obligations. I no longer could put money in the bank because it just disappeared. Please help me. I would like to recover or get back what they took from me or the monetary value of all my losses, since XXXX. I'm sure you can find all my account in storage. I even went to XXXX XXXX to get copies of my checks to my account because they said that was the place all document were stored, to prove I made my payments. I had no luck. Till this day I am trying to recover but I can't, I had such major losses, I don't know how to recover. In XXXX I received a check from my Mortgage company for 1 full payment that somehow they found. this was the same payment they said I never made and lost my 3rd house along with everything else I had. Please help me.
Consumer complaint received 2023-07-14
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 — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Since XX/XX/2023, every month, Toyota reports to lenders that I am delinquent. This causes my credit score to decrease by XXXX points. Every month I called Toyota and asked about my account. This always tells me it is current, and some agents proceed to help me file a dispute. When the representative does not help me, I file the dispute through XXXX or the Consumer Financial Protection Bureau. Now XXXX will not allow me to dispute anymore. I have even paid extra money into my account. My next payment isn't due until XX/XX/2023. I added my payments so you can see I make payments before the due date. I also added the last 2 billing statements showing I have nothing past due. Toyota really needs to fix this because it is unfair for the false reporting.
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$700.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00}.
Consumer complaint received 2023-04-26
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: OLIPHANT FINANCIAL, LLC (GA)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. the company has also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. Remove ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE LATE PAYMENT ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-05-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (GA)

Title loan was paid off in XXXX  at Title Max and the amount that was paid back was exceedingly higher than what was borrowed I was over charged for the pay off amount the store manager took advantage of me because she repossessed my vehicle because of a late payment and so I had to pay off the whole loan before I could get my vehicle back and they added money to the loan because I was desperate and needed my car so they took advantage of this situation. The loan has been paid off but they over charged me and the store manager disappeared and no longer works there when I tried to go back to inquire about it please help me to resolve this issue they took too much of my money in the pay off.