davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (PA)

Hello, thanks for receiving my complaint. I have an account with Coinbase. 

On XX/XX/XXXX, my Coinbase portfolio account contained, XXXX. 

On XX/XX/XXXX, I decided to use XXXX of the existing cash balance in my account to buy Bitcoins and I bought bitcoin but then about 1/2 later I sold the bitcoin for XXXX USD. I believe I transferred this money out of Coinbase to my bank account. 

Also on XX/XX/XXXX, I decided to withdraw the remaining {$4600.00} cash from Coinbase and I transferred the {$4600.00} to XXXX and then to my bank account with the XXXX Federal Credit Union. 

I received notices from Coinbase that bought, sold and transferred as described above. 

A few hours later, I received notices from Coinbase that I needed to pay them {$8200.00} or my account would be closed and anything in their would be sold. 

I think what happened is the Coinbase processing time lagged behind my purchase, sale and withdrawal and now my account is frozen with a portfolio balance of {$8200.00} with Coinbase saying that I need to pay them this amount in 5 days or their going to close my account because I violated the terms. 

I created a ticket requesting a statement of account and I received a reply telling that since my account was disabled, that Coinbase could not issue a statement.

I also created a ticket asking Coinbase to please rectify my account.

I also contacted my credit union because then Coinbase tried to withdraw {$4000.00} from my bank account. Coinbase also tried to collect the {$4600.00} that I deposited into Paypal and they may have collected this money because it has not yet deposited into my bank account.

Can you please help me it's all the money that I have?

Coinbase says I have 5 days but I did not do anything wrong. 

I am attaching a : XX/XX/XXXX, Portfolio Balance {$8200.00} XX/XX/XXXX notification from Coinbase that I sold bitcoin for {$4100.00} and a XX/XX/XXXX notification form Coinbase that I my withdrawal for {$4600.00} started. 

In another situation on XX/XX/XXXX, after I withdrew {$3900.00} after selling all of my bitcoin. I transferred {$1900.00} to my bank account and I transferred {$1900.00} to pay for my credit card. 
The next day, without any notice to me, Coinbase withdrew {$1900.00} from my bank account. I created a Coinbase ticked and the response that I received was, " Coinbase resolved and closed your case. '' I never received any more reply. But I also created ticket requesting a Statement of Account and I am unsure if the reply related to my request for a Statement of Account. I never received the {$1900.00} refund.
Consumer complaint received 2023-05-16
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. (GA)

I am requesting and I would like to submit my CFPB Complaint regarding these fraudulent items on my report that are still inaccurate. I had submitted already my complaint on my previous letter but still there was no further actions. I want some investigations regarding to this matter. I need the following items be remove on my credit file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-02
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. (AZ)

XXXX added a derogatory mark on my credit report per TransUnion. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately due to the XXXX XXXX XXXX being in Direct Violation of The FCRA Reporting falsely the XXXX account. 

The credit reporting system is dependent upon my consumer report displaying fair and accurate information. XXXX and XXXX XXXXXXXX added a derogatory mark on my credit report per TransUnion showing account status as derogatory but payment was never late so the account CAN NOT be derogatory. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by TransUnion has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanisms and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the XXXX XXXXXXXX and XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

XXXX XXXX XXXX  This item is outdated and is more than 7 years old I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer un
der title 15 chapter 41
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MD)

On XX/XX/XXXX I went to the PNC bank to get a duplicate card. I sat for 45 minutes and watch the bank teller help other customers who basically ignored me. He began assisting walk-in customers who came after me and left before me. I am XXXX with a support animal and I felt that I was overlooked and treated unfavorably. In addition, I am a XXXX female. He decided to come back to me 45 minutes later after checking out his walk-in customers stating that the machine is broken and that the bank manager apologized and that my debit card will be expedited shipping and gave my support animal a toy. I left the bank and was upset and did not show it really. I received an email two days later on XX/XX/XXXX confirming that I received my debit card. I called the bank 's online customer service and the female inform me that my card will come on XX/XX/XXXX. 

On XX/XX/XXXX when I noticed my card was not in the mail I contacted the PNC bank again. I said the whole story again what happen and how I received an email confirming that my card was given to me on XX/XX/XXXX and I never received it. She told me that she spoke to her co-worker XXXX and gave me a reference number # XXXX that my card is expedited again and will be delivered by Tuesday XX/XX/XXXX. 

I found out on Saturday XX/XX/XXXX that my card was used! The PNC customer service rep fabricate that my card was expedited on Friday was not true. I called online bank and the customer service person was very disrespectful towards me. He acted egregious and I had to basically fabricate that I was at the police station and need to speak to a supervisor. He did not feel that it was not an emergency that my account was not secured and my card was used by someone. He finally put an online manager on the phone. She stayed on the phone with me until I reach the bank location to stop any false transactions with this card and change the card. 

The wait was about 40 minutes until I was called. I request the bank manager he never showed his face. A lady assisted me and she gave me a new card and then found during this time the person who used the card did not get any money from the account. 
I did speak to the Escalation department she listen to what I had to say respectfully. However, the XXXX PNC bank manager called this a mistake downplaying what is advertised as a secured bank and making excuses for her employees. I do not feel secure and my concerns are swept under the rug. Why did the bank fabricate that they expedited a card twice and it never happened? The email states they gave my card to me when it never happened is very concerning.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TN)

I have a PayPal credit account and I am being overcharged. Every month I have paid all standard purchases made along with a portion of payment towards any promotional balances. I have always paid the minimum amount or more to avoid any fees for standard purchases and promotional balances that are expiring. I have not made any purchases for months and months on the account. I have 1 promotional balance remaining of XXXX and yet PayPal -synchrony bank is charging me XXXX to pay off my account in full. I have tried to resolve this issue for over 2 months. The initial representative tried saying I had a standard balance owed but after reviewing the account agreed that I have paid those charges each month and more. She stated my balance should be corrected and was being sent to the resolution department. I waited with no contact back. Called and was told to allow 2 billing cycles which it has been. I tried online chat who gave me run around and the wrong number to even call for help. Today I demanded a supervisor. I was placed on forever hold for 30 minutes and an 'account manager ' tried giving me the run around. I demanded a supervisor..she claimed a request for a call back was submitted and to allow 7 days! The selection I made on this site doesn't fit my issue specifically. I'm going to be writing a letter as well. The account manager was not helpful at all!
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/ I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2023-04-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (CA)

They are paid in full of what I owe the hotel 1 has the money that they are due I stayed at hotel for two days in which I paid affirm for but hotel 1 has the rest of their money I stayed for two days for {$600.00} but hotel 1 is keeping $ XXXX saying that hotel kept money but hotel says that hotel 1 only paid them the {$600.00} so hotel one is stealing and wants me to pay I keep telling affirm to verify with hotel as my bank did to refund my money but they won't so now they are saying I owe for everything even the {$600.00} I paid the for the days I stayed please help this is on my credit
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

has violated my rights. Or a 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 2015-10-28
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Renton Collections Inc. (WA)

I called to make a payment, short version the man decided to tell me I had a attitude for asking questions. The manager was just as insufferable. The absolute worst people Ive ever had the displeasure of speaking with. These people ( that term used lightly ) behave as they are above you because you owe money. I actually find that funny as a majority of America has debt, that being besides the point they are awful miserable individuals who have no business working with people. I am in awe of this company in the worst way possible.
Consumer complaint received 2016-09-15
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Fusion Auto Finance (NY)

Fusion Auto Finance is engaging in fraudulent business practices. XXXX XXXX works with Fusion Auto Finance to hold the title for leased and owned vehicles. I leased a vehicle in XXXX 2013, with XXXX XXXX referring me to Fusion Auto Finance. I am 2 months away from lease end, and a dealership wants to purchase my vehicle. The payoff amount ( to buy the car outright ) with loan company is {$17000.00}. Since Fusion is the holder of the title, they are arbitrarily and fraudulently raising the price to {$20000.00}, without any explanation as to why the price is being increased nearly {$3000.00}. Spoke with Fusion, who is based in both XXXX XXXX New York and in XXXX Texas. Their contact information for certain employees go to bad numbers. The New York Banking Authority has NO record of them. They are engaging in fraudulent activity and this must be corrected. The dealership could not buy out my vehicle because Fusion was charging nearly # XXXX over the loan price, without any explanation.
Consumer complaint received 2023-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (TN)

The mailed statement had the account information on the left side of the page and a misleading statement " Your Payment Is Past Due '' on the right side of the statement. I called them and they said that was just an add. That's very misleading and has likely caused other customers to make additional payments ahead of the regular scheduled payment. This is for a KiaFinance loan.
Consumer complaint received 2022-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (GA)

I on XX/XX/2021 entered into a fraudulent agreement/contract for XXXX XXXXXXXX XXXX XXXX XXXX the contract had numerous federal violations as seen marked on the contract I also was never given full disclose per federal law I also was never notified of my right to rescind the contract nor was I informed of my right to validate the debt per 15 USC 1692g and I never gave consent for my name to be turned into a fictitious entity as listed and notated in the contract Ally still has not responded to my initial affidavit with a affidavit or rebuttal point point per federal law.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2023-08-21
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. (PA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my XXXX XXXX. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-08-21
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: Experian Information Solutions Inc. (NJ)

I do not recognize these inquiries which are affecting my credit report XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX I do not recognize this account which appears as a collection on my credit report, please delete : Account name : XXXX XXXX XXXX  Account number : XXXX Balance : {$290.00} Account name : XXXX XXXX XXXXXXXX Account number : XXXX Balance : {$0.00}
Consumer complaint received 2023-08-21
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. (TN)

On XX/XX/XXXX, I sent a letter out disputing 2 accounts that were reporting inaccurate information. One account was still reporting activity each month even though the account was closed, and the balance was wrong on the account. The other account was missing information for XXXX of XXXX and reporting late payments when it was a billing error back in XXXX of XXXX. I was never late pursuant to 15 USC 1666B Timing of Payments. They came back on XX/XX/XXXX, updated and verified with the problem unchanged. Nothing was updated and it still reported inaccurate information. 15 USC 1681eb speaks on Credit bureaus assuming a role and has an obligation to make sure that every piece of information on each account is Maximumly accurate. They did not do that for me.
Consumer complaint received 2023-08-22
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-08-22
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-22
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. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.