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

Hello, I am going to recap to quickly rehash the theft and reason for the case to be open. The value of my account on XX/XX/XXXX prior to the theft, was XXXX. After the theft I was left with XXXX. Coinbase admitted negligence a year later, and on XX/XX/XXXX sent XXXX. I then responded to Coinbase again using the same case number asking for the remaining balance due to me. Coinbase never replied to my attempts at contact. All of the sudden I received an email in regard to a deposit of XXXX on XX/XX/XXXX. This leaves a remaining balance of XXXX. I am still looking for the full balance returned from Coinbase. They have admitted fault and have paid almost all that is due to me. I am just asking that the remaining XXXX be returned to me. 

Furthermore, I'd like to draw attention to some unusual activity on Coinbase 's Website. I have a screen capture from XX/XX/XXXX of My Assests selected to All- where you can see the XXXX that was in my account prior to the theft. I went in XX/XX/XXXX to My Assests selected to All and now there is no record of XX/XX/XXXX. I am unsure how the account history can be altered so dramatically. Is this legal? I am attaching the screenshots for your reference.
Consumer complaint received 2023-11-04
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: OneMain Finance Corporation (PA)

I recently reviewed my credit report and noticed there are a couple hard inquiries from a loan institution. I have never applied for a loan but my credit report reflects that I have multiple times. I reached out to the company and they told me to contact the credit bureau and file for identity theft.
Consumer complaint received 2023-12-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX [ XXXX ] Re : Formal Complaint Against Wells Fargo Bank - Currency Conversion Discrepancy and Lack of Disclosure Account Number Ending in : XXXX Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo Bank regarding an unjust currency conversion rate applied to my account during a transaction on XX/XX/. 

Despite Wells Fargos claim that the conversion of my XXXXXXXX XXXX  to XXXX USD at a rate of XXXX was standard procedure, I found the rate excessively inflated compared to the market rate on that day, which was significantly lower. Moreover, I was not informed of this markup prior to the transaction, a clear violation of transparency standards set by the Consumer Financial Protection Bureau. 

I have attempted to resolve this issue directly with Wells Fargo twice, with no satisfactory outcome. The banks response, claiming the need to charge higher rates to offset their risks, was unsubstantiated and did not provide any specific evidence or justification for such risks. 

Therefore, I request a rectification from Wells Fargo, either by reversing the transaction or providing restitution for the excess amount charged due to the inflated exchange rate. 

I look forward to your prompt response and a resolution to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-08
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. (TN)

On XXXXXXXX XXXX XXXX  The company received a certified letter stating that did not do a reasonable investigation on a company that is on my credit report. After the letter was received I began getting alerts that the credit bureau opened yet another investigation. My letter CLEARLY STATES this is not a dispute letter, this is a law violation. I reached out to the credit bureaus and their customer service agents stated they dont read the letters. I asked to be transferred to supervisors/ligations and was told I would receive a call back. That was 5 days ago.
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX Accounts listed below has violated my rights. 
15 U.S.C 1681 Section 604 A states I have the right to privacy 15 U.S.C 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education XXXX Bank XXXX XXXX
Consumer complaint received 2023-01-25
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

I AM XXXX IM TRYING TO MAKE A CREDIT DISPUTE OVER THE PHONE WITH EXPERIAN AND I CAN NOT GET THROUGH. ALL THE NUMBERS IVE TRIED DO NOT WORK. I CANT MAIL NOR CAN I SEE A COMPUTER SCREEN. THIS IS ABLEST AN I HAVE A RIGHT TO CALL OVER THE PHONE.YOU CANT PHYSICALLY VISIT THEM.
Consumer complaint received 2023-09-04
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: Experian Information Solutions Inc. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-09
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)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 2023-01-05
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. (CA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-03
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: EQUIFAX, INC. (IN)

I am being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (AZ)

This is a follow up to a previous complaint. A debt collection company LVNV funding has been unwilling or unable to provide a full, itemized notice of debt. I have tried to use their internal dispute process to get this information with no success. I then contacted XXXX XXXX to dispute the debt due to LVNV being unable to provide an itemized notice of debt. XXXX XXXX closed each dispute after LVNV said it was valid, still unable to produce any documentation with an itemized explanation of the debt. XXXX XXXX then directed me here to complete a complaint. This was also just closed after LVNV responded with a letter, but still no itemized listed of the debt. XXXX XXXX is aware that the required documentation has not been provided yet will not remove the remark from my credit report as XXXX did.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have had my credit drop tremendously no late payments and this is after I challenged transunion on my score and put a claim in with you all. Also I told the company XXXX XXXX  I was reporting them for saying they reached out when they didnt saying transunion didnt give them the correct number on file and the next day I got an email stating my fraud protection was removed. Then my score starting going down out of no where by transunion only and as you can see no other hard inquires were placed on my account but XXXX XXXX who lied about contacting me, and also only XXXX points were reduced at the time. Transunion went back in and reduced it by XX/XX/25 points without a reason and they cant say its due to the prior hardship because they were checked a month apart
Consumer complaint received 2023-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (GA)

I moved out of XXXX XXXX apartments XX/XX/XXXX. They have not contacted me in any way about owing them money. Last week I received a letter from IQ Data International claiming I owe XXXX XXXX Apartments {$890.00}. I called asking about this because I haven't been contacted by XXXX XXXX at all. The lady that answered argued with me that I did receive a letter from them so I told her to prove it since she knows that I received it. She yelled at me about arguing so I said not to contact me again. She made some threat that I didn't hear all of and I hung up. Today, XX/XX/23, they called my wife, who isn't listed on the alleged debt 4 times. They also called my sister a few times as well. My sister has absolutely nothing to do with XXXX XXXX or the lease or the debt. There is no reason for them to be harassing my sister or my wife. They called me 4 times today as well. I have no idea how they got my family 's phone numbers but this is highly inappropriate and this whole thing reeks of a scam. They didn't even send the debt letter to the right address, they sent it to my apartment at XXXX XXXX. I received the letter only because XXXX setup address forwarding with the post office. I have no evidence that I owe XXXX XXXX anything so this company needs to leave me and everyone I know alone.
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TN)

Our mortgage maturity date is in XX/XX/2021. We are elderly and have lived in this home over 50 years. We will not have the mortgage paid off by that time. We have spoken to people at the company 3 times. We have been sent hardship, and mortgage modification papers to fill out so we can resolve this, and be able to stay in our home. Our daughter has filled out the paperwork for us three times, and sent it back in. We have been rejected all three times, even though we sent in everything they needed. Their excuse on the letters is that our credit score is " too high '', or we need to wait until we are in default before we can get a modification. If we go into default, they will foreclose. I do not have specific dates, but I kept all letters of denial they sent us back. They refuse to work with us, and give us excuse after excuse.
Consumer complaint received 2023-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I have an Amazon Visa credit card through JP Morgan Chase. On XXXX XXXX XXXX I purchased through Amazon, a desk chair in the amount of {$76.00} using Amazon 's promotional financing, which was six equal monthly payments with, 0 % interest. 
On XXXX XXXX XXXX I made a purchase thru Amazon in the amount of {$31.00} and on XXXX XXXX XXXX another purchase thru Amazon in the amount of {$16.00}. On XXXX XXXX XXXX due to a problem with a late delivery from the previus month, I received a criedit of {$16.00} and on XXXX XXXX XXXX another credit of {$15.00} for another delivery issue from the prior month. 
When I made my payment in XXXX, I applied the two credits against the purchases made on XXXX XXXX and XXXX XXXX and paid the difference, plus {$12.00} XXXX XXXX of the promotional balance of {$76.00}. ). When I received my statement dated XXXX XXXX XXXX there was an interest charge of {$.00}. What Chase did was apply the two credits of {$16.00} and {$15.00}, plus my 5 % redemption credits of {$1.00} against the promotional balance .This misapplication of the credits resulted in the interest charge, as the bank said I did not pay my monthly purchases in full.It also negates Amazon 's promotional financing statement of six months to pay with no interest because the bank says my promotional balace, as of XXXX XXXX, is {$17.00}. This misapplication of the credits means the bank can fraudently charge customers interest.
Consumer complaint received 2022-12-22
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2023 I deposited {$1600.00} into a Bank of America atm. Once I deposited the cash I was only credited {$300.00} and a receipt with a number to file an electronic claim. After filing the claim the next day I went to the branch who informed me that the atm was cleared out already and It will be fixed in 48 hours. It had been full week and I continue to get the run around, with no explanation and I was denied provisional credit all because of their atm. I continue to call everyday out of frustration and nothing is handled or figured out. I deposited the money XX/XX/2023 to pay my bills and now I am behind and have to pay extra late fees and its extremely embarrassing considering I work very hard for my money and nothing is being done to resolve this issue for me. There is cameras on the atm machines and the machine is cleared out almost every day!! The ATM knew that they missed counting my money or else they would not have printed me a receipt telling me to file an electronic to claim.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX TransUn ion failed to verify hard inquiries that I did not grant permissible purpose appearing on my credit report that I do not recall authorizing and did not sign an application for credit. The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Including U.S CODE 15 U.S.C & 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act. These inquiries being reported were never authorized by me and appear as inaccurate information on my credit file as a credit inquiry and must be removed immediately. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-10
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.