davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

On XX/XX/2021, I deposited {$1000.00} from my XXXX XXXX acct. to Coinbase to purchase coins ( deposit ref # XXXX ) I really wasnt in a rush to purchase any coins but wanted the money to be readily available when I did get ready. I also honestly trusted Coinbase to be a trustworthy company, not to mention the money was in fact debit out my acct. so I just knew it was in my Coinbase acct. a couple weeks went by and I wanted to buy into a coin, I log into my Coinbase acct. and to my surprise my balance is {$0.00}. I immediately start to look through my Coinbase acct. to see what happen to my money. I noticed that the same day I added {$1000.00} the acct. Coinbase said that I withdrew the {$1000.00} back into my bank acct, I knew that was a lie because I actually went to bed an forgot about the deposit. I also wasnt mad at that point because, I thought the money would just be back in my bank acct., it would be easy to track and maybe it was some kind of error with me depositing the money to Coinbase an THEY reversed the payment. So I immediately call my bank, they inform me that they see when I made the deposit to Coinbase ( {$1000.00} ) but have NO records of the money being put back into my acct. by Coinbase ... SO WHERE IS THE MONEY, IS IT FLOATING IN THE AIR? I reached out to Coinbase to file a complaint ( # XXXX & # XXXX ) long story short they did reach back out to me after weeks and closed my case UNRESOLVED!!! I deposited money & my BANK VERIFIED that, I DID NOT BUY ANY COINS, BANK HAS NO RECORD OF MONEY BEING PUT BACK INTO MY ACCT. & Coinbase is {$0.00} this is ridiculous the amount of complaints Coinbase has for stealing not just my {$1000.00} but hundreds of thousands of dollars from people an the government has not shut them down.
Consumer complaint received 2017-07-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Genesis Credit Management, LLC (CA)

This agency kept calling and harassing my father to pay this debt that I was n't aware of. So I called to get more information but the agent I spoke with had such a bad attitude and kept yelling at me. I was told that I owed a debt from an apartment that I had moved out of years ago. I asked for validation of the debt so I could have some proof in writing but I never received anything. they kept harassing me several times a day threatening to put negative marks on my report and sue me if I did not give them payment in full over the phone. They marked my report with a collection for the amount of {$3500.00} and a public record for {$1800.00}.
Consumer complaint received 2021-04-21
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. (WI)

Upon noticing that an account XXXX XXXX XXXX was reporting erroneously on my credit report, I sent letters to all three Credit Bureaus. I also emailed XXXX XXXX XXXX and sent letters to them. 
XXXX, TransUnion and XXXX  all " updated '' this account by deleting payment history but left it in a Derogatory Status without ever providing proof of validation. At the same time, the email responses from the CEO of XXXX XXXX XXXX and an account manager stated no account could be found in my name. Therefore, all three credit bureaus are in violation of the FCRA. I have sent all three Credit Bureaus copies of above mentioned emails with zero results.
Consumer complaint received 2021-04-21
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: EQUIFAX, INC. (FL)

I have inquiries on my credit profile that were not made by me. I have been in contact with the credit bureaus and they have not resolved this issue. I would like all these incorrect inquiries to be removed from my credit report. Please see info below : XXXX XXXX SSN : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto- XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX Bank- XX/XX/XXXX XXXX XXXX Bank- XX/XX/XXXX 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 XXXX- XX/XX/XXXX
Consumer complaint received 2023-05-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

PayPal is arbitrarily and capriciously deciding to hold our law firm client retainer fees up to 21 days or more for no reason other than to harass, make money off of us, while we dont get paid and the clients dont get their contracted for legal representation. This greed makes life much harder in a tough inflationary economy for us and our clients. Please investigate and advise.
Consumer complaint received 2021-04-21
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. (FL)

I have inquiries on my credit profile that were not made by me. I have been in contact with the credit bureaus and they have not resolved this issue. I would like all these incorrect inquiries to be removed from my credit report. Please see info below : XXXX XXXX SSN : XXXX XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Coaf- XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank- XX/XX/XXXX 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 XXXX- XX/XX/XXXX
Consumer complaint received 2024-04-03
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: EQUIFAX, INC. (FL)

I am writing this letter in reference to my previous dispute XXXX submitted to your agency on XX/XX/XXXX. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiries from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-20
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. (FL)

Accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 
The credit bureaus has stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is very inaccurate, also the date last reported is not accurate. This ground for removal they have also violated my rights under 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 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation below I have attached my certified mail tracking numbers
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (CA)

Hello, I initially had XXXX Wells Fargo XXXX XXXX Rewards in my account. I decided to " cash out '' my points in the form of gift cards. I've attached an email from Wells Fargo that shows that I purchased gift cards for : XXXX for {$250.00}, XXXX XXXX XXXX XXXX for {$100.00}, XXXX # 1 for {$100.00}, XXXX # 2 for {$25.00}, and XXXX XXXX  for {$25.00}. 

On XX/XX/2021 I discovered that I had issues with ALL the gift cards : {$25.00} XXXX XXXX  : eGift card was never delivered or emailed to me {$250.00} XXXX : There were XXXX funds on the gift card {$100.00} XXXX XXXX XXXX XXXX : There were XXXX funds on the gift card {$100.00} XXXX # 1 : There were XXXX funds on the gift card {$25.00} XXXX # 2 : There were XXXX funds on the gift card. 

I attempted to speak to customer service representatives more than three times on XX/XX/2021 and none were able to solve the issues listed. 

I've also attached the gift card numbers which one can look to see the history that the gift cards were never loaded with the allotted amount. I've also attached a confirmation email from Wells Fargo and also a points statement that shows XXXX Wells Fargo XXXX XXXX Rewards being removed from my account to purchase the gift cards and the confirmation receipt email from Wells Fargo that shows the purchased gift cards. I don't understand why Wells Fargo would treat a customer like this ; deplorable.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (TN)

Not sure that the options selected really fit this scenario but they were the best fit based on what was available. I have a Southwest Airlines rewards card with Chase. The card was opened a few years ago with a {$9000.00} limit. In the previous year I did maintain a balance near that limit. In recent weeks I have been paying off credit card balances including this one. I paid it down to XXXX in one lump payment. There has not been a major change in my credit score or report. No defaults, no slow pays, etc. I believed that I was doing the right thing by paying balances down. I am actually on track to clear all credit card debt in the next 4 weeks. I have made some purchased on this card since returning to s XXXX balance but using a new practice of paying those off every 30 days. Chase reduced my limit this morning by more than 50 %. I know that this is their right, but this was done without repayment being an issue ( no slow pays on this account ) that can be verified on my credit report ) and I would argue evidence of lower risk since I just paid the entire card off. My real complaint here is that has a negative impact on my credit. As I am paying cards down and off and reducing % of credit used this move by Chase has negatively impacted that and I know that I will see my score decrease a bit in coming days by no action of my own. They also did this recently to my wife. We have not experienced this with any other creditor. I could see this action if there had been negative activity on the account or a significant change in credit score. This appears to be penalizing me for reducing my balance, therefore reducing the interest that I am paying. I just wanted to raise this question because this feels like a practice that hurts the consumer. That being said, I know that I do have the option of closing that account and taking business elsewhere. But that also has an impact and I am not unhappy with the most of what this account provides. This practice is just negative in my view because I am being penalized for doing the right thing.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

I opened a Citibank Aadvantage Platinum Select World Elite MasterCard account XXXX # XXXX ) in XX/XX/XXXX. Their promotion promises that I would receive XXXX Bonus Miles in my Aadvantage Frequent Flyer account if I spent {$2500.00} in the first three months of account opening. On XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, I charged a total of {$2800.00} to my Citibank MasterCard. As of this date, XXXX XX/XX/XXXX, four months after opening this account, I have NOT received the XXXX Bonus Miles in my Aadvantage Frequent Flyer account. Why have the promised miles NOT been posted to my Aadvantage account? 

I have called Citibank multiple times and either not received an answer or have been placed on hold for an interminable time. My time is more valuable than that.
Consumer complaint received 2021-04-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Volvo Car Financial Services U.S., LLC (CO)

I paid off my 2019 XXXX XXXX in XXXX of 2019. I have been trying to get the title since. Its as if Volvo financial services took my {$63000.00} and have stolen ownership of the vehicle. I have made no less than 19 phone calls to this company. The people there lie, give false stories and are thieves!
Consumer complaint received 2017-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

Hello, I keep getting calls from Enhanced Recovery Company even after I spoke to them and told them to stop calling me and that they are in violation for putting a debt that 's over seven years old on my credit report. I disputed it with XXXX in which they stated that there was n't an entry from Enhanced Recovery Company on  my report. Yet I see it on my report. Enhanced Recovery Company bought the debt and put it back on my report in XX/XX/XXXX showing an estimated month and year removal of XX/XX/XXXX. This debt is past the statue of limitation and I want them to remove it or I will be looking in filing a lawsuit against them.
Consumer complaint received 2021-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Can someone assist me? I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

ITS XX/XX/XXXX I got ta pay RENT SOON OR IM GON NA BE HOMELESS AND THIS IS THE STATES GOVERNMENT EDD CARD Been calling since XX/XX/XXXX because my card was declined at XX/XX/XXXX store on XX/XX/XXXX AROUND XXXX and I then realized after driving 1 1/2 hours home and looking at my account on the app keep in mind I HAVE ALL NOTIFICATIONS ON IN APP AND MY PHONE NEVER RECEIVED A TEXT OR EMAIL TELLING ME I HAVE UNAUTHORIZED WITHDRAWALS FROM XXXX for {$980.00} each day around midnight and then on XX/XX/XXXX for {$900.00} leaving me with nothing to pay for anything. They took it out at two Bank of America ATMS that Ive NEVER BEEN TO AND I DONT LIVE BY EITHER. THEY WONT SHOW ME ANY PROOF IT WAS ME BUT I HAVE SENT OVER A POLICE REPORT AND my VALID CALIFORNIA ISSUED LICENSE WITH MY CASE NUMBER ON IT. IVE CALLED EVER DAY SINCE XX/XX/XXXX and I keep getting put on hold or passed around. I ASKED TO SPEAK TO MULTIPLE Supervisors when they answer Ive had XXXX hang up on me mid sentence explaining my situation and I JUST GOT ON THE PHONE WITH HER FOR XXXX min literally her name was XXXX, another supervisor told me well you know people XXXX XXXX to be at another location SUPER DISRESPECTFUL AND ACCUSING ME. I FEEL DISCRIMINATED Like dude that bank that they took money out from is XXXX XXXX hrs away from me with NO TRAFFIC AND WHEN I CALL I KEEP GETTING TOLD ITS BEING RECONSIDERED FOR A WEEK NOW. IVE FAXED OVER ALL DOCUMENTS THAT THEY HAVE ASKED FOR WHEN I PLACED THE CLAIM ORIGINALLY ON XX/XX/XXXX its was declined on XX/XX/XXXX with no proof it was me but they didnt mail it out till XX/XX/XXXX and I received it XX/XX/XXXX I have proof of when I received the letter its date stamped by the post office and I filed a police report on XX/XX/XXXX after calling the bank and hearing they declined me Im glad I called so I KNEW.. I have NEVER EVER PULLED MONEY OUT REPETITIVE DAYS AND I ONLY PULL OUT XXXX for rent why wasnt the multiple days flagged for suspicious activity after the second day for same quantity BANK OF AMERICA FAILED TO PROTECT MY MONEY AND FAIL TO HONER THE ZERO LIABILITY LAW FOR UNAUTHORIZED WITHDRAWALS ITS ON THEIR PAPERS THEY SEND U WITH THE CARD. AND WHEN XXXX ASK A QUESTION YOU GET A EXCUSE NOT A ANSWER I HAD {$5800.00} unauthorized withdrawals total and now Im at XXXX in my account AGAIN THIS IS A EDD CARD UNAUTHORIZED WITHDRAWALS I NEED TO BE COMPENSATED FOR MY TIME, STARVING FOR WEEKS, BROKE WITH NO TEMP CREDIT TO ACCOUNT NOTHING, CANT PAY BILLS, and FOR MY STRESS AND HEADACHES AND HOURS ON THE PHONE I MEAN HOURS and when I CALL TO UPDATE MY CLAIM THEY DONT EVEN PUT THE INFO INTO THE NOTES WHEN IVE TOLD THEM multiple times Ive called to put in police report on XX/XX/XXXX they didnt when I called back on XX/XX/XXXX to give them the full case number to be COURTEOUS ON MY END WAS TOLD THERE WASNT ONE ON FILE THIS IS A FEDERAL CHARGE I WAN NA PRESS CHARGES IT WAS NOT ME
Consumer complaint received 2024-03-22
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. (MS)

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : EXTRA Account Number : 136087 and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the FCRA this late payment being reported for XXXX  for XX/XX/2024 has violated my rights Per the XXXX XXXXSC 1666B ( billing error ) 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.
Consumer complaint received 2021-04-21
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. (MI)

I have a {$300.00} collection from XXXX by XXXX showing on all three credit reports. I never had a balance with XXXX, yet it is being reported. I have disputed repeatedly to no avail. I have received a letter in the mail from my insurance company proving that I have a XXXX  balance and have always had a XXXX  balance, because my health insurance paid the bill in entirety. XXXX also has a XXXX  balance on file for me. 

I feel that if basic due diligence requirements were followed by the three credit reporting agencies, this invalid information would not be on my report. If anyone had taken the time to actually inquire with XXXX/XXXX, they would have discovered that I do not, in fact, have a balance owed. 

This collection caused me to be declined for a vehicle and forced me into paying a higher car note. All I've received is a letter saying " we apologize for any inconvenience ''. My financial life has been ruined for 2 years because of a mistake on someone else 's end and someone should pay for this. " we apologize for any inconvenience '' is simply not good enough.
Consumer complaint received 2022-01-31
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. (LA)

On XX/XX/XXXX according to USPS Certified Mail TransUnion received a letter from ME regarding inaccurate and unknown items on my credit report. Embarking on 100 days later I have not received one word about the inaccurate items that I noted in the letters received by your company on XX/XX/2021. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 100 days soon. These items should be deleted promptly. I demand that these items are deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the XXXX data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year as well as preventing me from applying successfully to purchase a new home I sorely need. I need this problem fixed asap I will not wait another 100 days to receive a no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 100 days soon so they should be deleted promptly.