davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MO)

I have told this company to freeze my credit account and to notify all XXXX  credit reporting agencies to put an extended freeze on my account but they keep allowing other people to remove the freeze I have placed. Ruining my credit score and making it appear like Im working at other companies. Ive never worked at XXXX or XXXX although Ive been ordered there several times. My phone number is not up to date. The site said they are open but when I called they said they are closed. They will not send me my credit report so I can prove to lenders what my credit rating was when they told me. Plus I still have these XXXX XXXX XXXX on file when that was the card my employer and XXXX XXXX had shut off intentionally that I used to buy my XXXX with. Even though I had a prepaid credit card I could use for prescriptions until they dropped all my benefits to XXXX time and time again. XXXX XXXX from the XXXX XXXX  and XXXX.
Consumer complaint received 2022-04-22
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. (TX)

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. 

XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

It appears that a poor XXXX woman is not allowed to go to her Wells Fargo branch, which she has used for at least the last twelve ( 12 ) years, to deposit a large check ( obtained as the result of a lawsuit settlement ). On XX/XX/2022, I visited the Wells Fargo branch in XXXX, Alabama, to deposit a check drawn to my name. The branch teller refused to deposit the check because she believed the check is " fraudulent. '' The Branch Manager also reiterated what the teller said and refused to deposit the check, despite assurances from my attorney and a request to place a hold on the entire amount until the check clears. On XX/XX/2022, I contacted Wells Fargo 's customer support and was instructed to visit the branch and deposit the check. I called the Manager again, to ensure that I could deposit the check. However, I was told not to visit the branch nor attempt to deposit the check : " I am not going to allow you to come to this branch and deposit this check. '' He insisted that the check is fraudulent and he would not deposit it. He gave the name of a supervisory, but did not give the supervisor 's contact information. I have been using Wells Fargo as my bank for more than 12 years with no issues on my part. Claiming that I am depositing a fraudulent check was infuriating, embarrassing, and humiliating. It is extremely hurtful to be singled out in front of other clients.
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

I recieved funding through goverment assistance covid-19. And recieved a goverment check for XXXX for deposit into my business account with Navy Federal Bank. XX/XX/XXXX the check was deposited and immediately flagged as a fake check. After reviewing and verifying the check a portion of the funds was released, XXXX and immediately on friday all acounts was froze and closed without warning or notification.When i called to check what was going on they said they had high belief that the check would not clear. I knew this was false because it was a goverment check. After verifing the check was indeed legit, they later said my account was set up wrong for my business account.After sending all the documents to correct they still did not deposit the check. Ater waiting on hold for over several hours they said the check would be returned and the account closed. I asked what day the process would start so i can notify the XXXX loan department and get a reissue of the check they are holding, they said up to & mounths to return the check! after i informed them that this would cause me to defult on the funding and miss the dead lines set for funding that i signed for they refused to give me a number to a complaint department or even a explanation on why the funds was held. I find the only reason they had for not releasing the funds was racially motivated.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom It May Concern : On XX/XX/XXXX, I received a letter from XXXX  ( XXXX XXXX ) stated that my XXXX loan ( Account # XXXX ) was paid off in full. To my surprised, I logged on to my account and found a very messy situation, which I have been dealing with since then and still unsolved, which resulted in this complaint. 
I have spent countless hours on XX/XX/XXXX,. XX/XX/XXXX, XX/XX/XXXX ( twice ) trying to resolve this issue. XXXX  mistakenly paid off my XXXX loan in XX/XX/XXXX and reversed it ( according to the transaction history online ). It stopped collecting the automatic monthly payments/ withdraws from my bank account. I didnt know about this until I received that paid in full letter. I have tried to rectify the issues with the company but they are unwilling and un-caring about owning their mistaken. From the latest telephone conversation, one of the manager ( XXXX ) promised that she will make sure all things were taking care of my issue was about the credit reporting. I received emails and calls from XXXX XXXX about my late payments, which only happened after I contacted XXXX about the pay off in full mistake. The late fees of the two months were also added into my loan amount. This is fraudulent! 
I received notification from my bank stated that my FICO scores had changed ( dropping by XXXX points ). I requested and received the credit report from Transunion ( XX/XX/XXXX ) and found out that XXXX had reported the 2 months late payment. I emailed XXXX and asked them to retract this reporting because of their mistake of paying-off the loan. XXXX refused to do so, stating their reporting was correct. This affected my credits and ability to make plans for financial decisions. 
This is a very frustrating experience with XXXX XXXX XXXX XXXX. It made a mistaken and refused to make correction, as a result, the consumers are suffered. It is a fraud to consumers and irresponsible as a business practice as a financial institution targeting consumer like me ( perhaps, XXXX profiling because of my name that is un-Americanized ). Especially, after multiple attempts to result this issues and XXXX still refused to fix the issues. It is predatory practice. I wish the companys practice methodology to be investigated and hold accountable for their wrong doings to consumers. 

Thank you time and assistance in this matter. 
XXXX XXXX
Consumer complaint received 2024-04-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

I have XXXX dollars in Coinbase, I have tried to withdraw them, send them and I have not been successful, they always tell me that there is an error on the part of the company and they have withheld money from me. 

I have spent on commissions trying to send the money and changing digital assets and nothing. 

terrible broker service. 

They also do not explain when they are going to solve the problem or give solutions on the website. 

I need my money in my bank account
Consumer complaint received 2022-10-13
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. (CA)

In accordance with the Fair Credit Reporting Act. The list of account ( s ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name, Account Number : XXXX XXXX, # XXXX Account Name, Account Number : XXXX XXXX, # XXXX 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 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 buy more than seven years.

15 USC 1681 S-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 2015-12-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I have been requesting a transaction detail of the debt that is allegedly owed, however, the XXXX party collection agency can not provide me what I am requesting. I have been contacting them for nearly 9 months, but they always send me a letter stating their records are correct and that the balance is owed. I spoke with them today by phone and was told I can dispute it again, but I have been disputing it over the course of 9 months with the same results.
Consumer complaint received 2022-04-22
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX XX/XX/2022 XXXXXXXX XXXX  XX/XX/2022 -XXXX XXXX  XX/XX/2022 -XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 -XXXX XX/XX/2022 -XXXX XXXX  XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-22
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: EQUIFAX, INC. (TX)

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. 

XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX & XXXX XXXX XXXX 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.
Consumer complaint received 2021-08-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I had an account with Coinbase for a short time. I tried to withdraw my money, but due to the deceptive way their website is set up, I actually transferred more money to them. I tried to contact customer service and they didnt respond. I Finally found out how to close my account and I did on XX/XX/2021. It is the XXXX of XXXX and my funds ( XXXX US dollars ) have still not been deposited to my bank account. Multiple customer service messages have not been answered.
Consumer complaint received 2016-08-20
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express is reporting an account on my credit report that was found to be in violation of the Fair Credit Reporting Act. I hired XXXX XXXX, an FCRA attorney in New Jersey, and we were able to sue them and the credit bureaus, and I won. As part of the settlement, they agreed to delete this account on my credit report but I see that it is still on there. I even disputed it with the credit bureaus and they came back and verified it. Is n't that another violation of the FCRA?
Consumer complaint received 2023-03-01
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: CITIBANK, N.A. (CA)

Attempted to purchase online from XXXX approximately XX/XX/2023 or before. 
XXXX decline my charge. I call Citi Costco to find out why this credit card has been declined and they told me a letter will be sent to me within 7-10 days and call them with a reference number. So I could receive a credit card with a different account number. I never received this card. I call Citi Costco again inquiry the delay of this credit card. Again I was sent another letter with a the reference number within 7-10 days and again call them with a reference number. 
Then Citi Costco called me and asked if I have moved and other questions about my house number, or use another address or have been in New York. My answer was no, I haven't left the State of California in years. I was then inform my credit card was being used in New York on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023 for amounts of {$2000.00} for each transaction. Citi Costco did sent a replace credit card to the address XXXX XXXX XXXX, XXXX, NM XXXX. Apparently the fraudulent person change the address and even made a payment to Citi Costco for {$83.00} electronic from a phone. I do not pay by bills by phone " fast mail ''. I did not open a paperless on Citi Costco in the month of XXXX and XX/XX/2023. 

Citi Costco would email me when a payment was due and mailed me a statement. I did not have an online Citi Costco account. So, that communication on email was not sent due to the email was change by the fraudulent person. Once I received my new card I did register on line to see my statements learned I was charged a late fee for non payment and notice on the statement it was mailed to the fraudulent person 's address.
Consumer complaint received 2022-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

XXXX XXXX, XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 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.
Consumer complaint received 2019-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: VALLEY NATIONAL BANCORP (NJ)

I have the absolute.legal right under Federal Law to file a complaint against Valley National Bank without it taking the vindictive action of closing my accounts as per the letter of First Vice President XXXX XXXX dated XXXX XXXX closing my accounts on XXXX XXXX! This is obstruction of justice which is a felony!
Consumer complaint received 2022-04-22
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. (FL)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2022-04-22
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. (CA)

Transunion recently verified a bankruptcy. Per their own response they used the bankruptcy court to verify. Please see the enclosed letter form said bankruptcy court ( bankruptcy letter attachment ) saying that they do not verify any accounts, so how was Transunion able to verify. Please also see attached from XXXX XXXX ( XXXX XXXX attachment ) where they were also unable to verify and removed from their system, as well as LCI ( CFBP complaint number XXXXcopied below ). So how was XXXX able to verify the account? They were not. I demand to exercise my rights ( under the FCRA ) and have the bankruptcy removed from Transunion database and my credit report immediately as they are unable to verify said account. 

LCI Response CFBP complaint number XXXX " Company 's Response This is in response to the complaint filed by XXXX XXXX with the CFPB on XX/XX/XXXX. By way of background, Lundquist Consulting Inc. ( LCI ) obtains bankruptcy information from publicly available sources and, in its role as a furnisher under the Fair Credit Reporting Act ( FCRA ), LCI provides this information to TransUnion for TransUnion to include, at TransUnions sole discretion, in its consumer reports. Upon further review of the information provided and based on the bankruptcy case filing date of XX/XX/XXXX and termination date of XX/XX/XXXX, LCI has determined that LCI did not provide TransUnion with the bankruptcy information concerning XXXX XXXX that appears on XXXX XXXX TransUnion consumer report. LCI began providing publicly available bankruptcy information to TransUnion on or about XX/XX/XXXX. LCI does not have the ability to remove the bankruptcy information in question from the publicly available sources or to remove information that TransUnion has included within XXXX XXXX consumer report. XXXX XXXX may need to contact TransUnion directly to determine the source of the bankruptcy information that appears on XXXX XXXX TransUnion/XXXX consumer report. ''
Consumer complaint received 2015-07-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I reviewed a copy of my credit report today and noticed that my credit score tumbled. I took a closer look to determine why and notice that a company -- XXXX XXXX XXXX XXXX reported that I had an account with them that is seriously delinquent in the amount of {$180.00}. I have never hear of the company. I have not received any phone calls or notice from this company regarding this debt, nor have I received the opportunity from this company to verify this debt before it was placed on my credit report. I called the company and spoke with a XXXX XXXX. XXXX XXXX provided me with the account number for the debt which is XXXX. He stated the debt was sold to XXXX XXXX so he is not sure why his company is updating the debt with XXXX. I told him that XXXX XXXX is reporting the debt to XXXX and that I was planning to report his company 's behavior to CFPB he said to go ahead. I called XXXX to file a dispute and XXXX agreed that it is strange that XXXX XXXX XXXX would sell the debt then turn around an report it on XXXX XXXX, 2015 on my credit report.
Consumer complaint received 2022-04-22
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. (GA)

In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXX XXXX : account number XXXX XXXX XXXX : account number XXXX 15 U.S. Code 1681 section 602 ( a ) states that I have the right to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish your account without written instructions.
Consumer complaint received 2022-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXX XXXX : account number XXXX -XXXX XXXX : account number XXXX 15 U.S. Code 1681 section 602 ( a ) states that I have the right to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish your account without written instructions.