davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (AZ)

I signed into my Coinbase account ( coinbase.com ) Once logged in my personal account information appeared, then immediately replaced with a message on the main screen stating my account had been locked due to suspicious activity, and required to contact Coinbase support to authenticate so my account could be unlocked. 
Given the first screen that came up actually showed my account, I had no reason not to think this was not coming from Coinbase. 
Within minutes I realized my funds were gone and I immediately contacted Coinbase again, which informed me there was nothing they could do to either stop this transaction or transfer these funds back ; all they could do was lock my account to avoid any further transactions. 
They have taken zero responsibility for their website being hacked and I have lost {$9800.00} and just told me to contact the authorities. 

I received a transaction confirmation from Coinbase for transfer of funds to the crypto address which I found to be located in XXXX, XXXX. 
I copied for reference the transaction number and crypto address along with IP address and phone number from person/people who hacked into Coinbase website.
Consumer complaint received 2022-12-24
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-24
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. (GA)

I sent a letter on XX/XX/XXXX, to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) you are required to remove/block any accounts or information not later than XXXX business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2022-12-24
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. (DC)

I submitted a letter to the XXXX Credit Bureaus o update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$420000.00} XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2024-03-18
Product: Credit reporting 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. (MD)

The account has not been reported correctly.. They have reported the account date incorrectly. I also included this account in a XXXX XXXX case that has been discharged. They are violating the FCRA because, even after been notified of the case. They are still reporting which is a violation when they are notified that I filed XX/XX/XXXX. XX/XX/XXXX they reported it late and charged it off. They should have stopped reporting immediately.
Consumer complaint received 2020-03-04
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. (TX)

The following accounts are fraudulent : XXXX  XXXX XXXX {$540.00} XXXX XXXX {$490.00} XXXX XXXX {$710.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX XXXX {$1700.00} XXXX XXXX XXXX {$430.00}
Consumer complaint received 2020-03-04
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)

The following accounts are fraudulent : XXXX  XXXX XXXX {$540.00} XXXX  XXXX {$490.00} XXXX XXXX {$710.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX XXXX {$1700.00} XXXX XXXX XXXX {$430.00}
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-24
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-03-19
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. (WI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-04
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. (TX)

I sent a challenge letter XX/XX/2019 to Experian about an incorrect account on my credit report. I ask Experian to investigate the account serval times only to get back that the account is verified or accurate. There's no way the account is accurate or verified. I never received a proper investigation from Experian. The service address for this account is a place I've never lived or authorized service too. This account is not mines! 

I mailed at least 3-4 times about this matter and I called yesterday and was told there's nothing they can do if the data furnisher deems it accurate? I've never received any proof or letter proving this account as accurate.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

This document is for the review of a transaction made on XXXX XXXX at XXXX for {$300.00} which is completely a fraud transaction. I was in the car with someone at the time and was very far from where the transaction occurred. According to Chimes records the atm withdrawal was made at XXXX XXXX XXXX. When I XXXX searched the address it said a XXXX in XXXX XXXX, NY. I have no history of being in that store or around that area and I have stressed this several times. T-Mobile has records that detail where i was around the time of the incident because I made a call immediately when I saw the atm withdrawal notification. No history in the area along with a witness and GPS records should be more than enough to prove the transaction was illegitimate. If you look at the location of the next transaction directly after it was in the XXXX for {$200.00} at XXXX p.m. which was all that was available through my savings and spot me. The transactions were almost XXXX minutes apart not enough time to make both transactions which means no matter how you put it I am not responsible nor did I approve the withdrawal of {$300.00} at XXXX. Also, Chime has record of me reaching out immediately as do I. I have had countless rebuttals denied for this dispute and they do not take it seriously because each denial seems to come faster. This morning at XXXX. XXXX. I was notified both of my acceptance and denial for a review. I can prove it was not myself and therefore I deserve my {$300.00} dollars back. Some how they made an error and put my initial claim for {$500.00} dollars and I told them that was incorrect. I show them in the app I also wrote {$300.00} and to my knowledge they have not made that correction. It is a lot of information that I have provided but has not been used properly. At this point it seems they have no intentions of refunding me or tightening up on security both are truly sad.
Consumer complaint received 2022-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

Please see complaint # XXXX. 

Wells Fargo 's response was to tell me that I " did not have authority to act on XXXX 's behalf ''. HOWEVER, I included the XXXX and Letters of XXXX that grant me that authority in the complaint itself. Were these forwarded to Wells Fargo?. 
How can this complaint be closed when they have NOT responded to the core issue? 
Please attach all information from the above referenced complaint and open a new complaint ( or re-open the old one ). Someone has to hold these banks accountable for their inactions which are costing seniors billions of dollars every year. 

Respectfully, XXXX XXXX XXXX for XXXX XXXX
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On my credit reports with Transunion and XXXX, XXXX ( XXXX XXXX XXXX XXXX ) put false information on my credit report. According to XXXX, I took a loan out with their company on XX/XX/XXXX under Transunion. Under XXXX, it notes I took a loan out with XXXX on XX/XX/XXXX which is erroneous. 

I took out a loan for a VA Home Mortgage with XXXX XXXXXXXX XXXX XXXX  XXXX XXXX I never took out an original loan with XXXX on XX/XX/XXXX or XX/XX/XXXX. This information is false and I am enclosing supporting documents from the credit bureaus, along docs from closing who I in fact took a loan out with. Thank you.
Consumer complaint received 2022-12-25
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. (WV)

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

Account Name : XXXX XXXX, Also known as XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account number : XXXX 15 U S C 1681 section 602 A States I have rights to privacy.

15 U S C 1681 section 604 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 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: EQUIFAX, INC. (KS)

On XX/XX/2023, I attempted multiple times to dispute incorrect personal information on my credit report with Equifax and update my personal statement. Equifax refused to allow me to submit a dispute. This is a grossly negligent violation of federal law.
Consumer complaint received 2020-03-03
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. (FL)

Inaccurate information on credit report. Inquiries from different creditors that weren't permissible. XXXX, XXXX  and TransUnion. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-03-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Deinde Online Services, LLC (TN)

I took a loan from Integra Credit in XXXX. They charged me a 275 % interest. I was charged an interest charge on cash advances fee, a customary fee, and a fee charge on cash advances. I was not aware of all of these charges when I took out the loan. With all of these high percentage fees, it makes it impossible to pay the loan off. I am not going to loss my house over this loan. I have now stopped paying them. I cant afford to give my money away to greedy companies like Integra credit. They continue to harass me daily with phone calls and emails. They call my family members for no reason at all but to let them know that I owe Integra money. This company needs to be shut down.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-05
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: Experian Information Solutions Inc. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports.Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-04
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Adjustment Company Incorporated (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete  audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of  this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2020-03-04
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Receivable Asset Management (CA)

I contacted Kramer & Associates on behalf of my client listed above on XX/XX/2020 @ XXXX XXXX and spoke with agent XXXX to inquire about the matter of a client of mine. At the end of the call I asked XXXX if the call was recorded to which she said YES! Your company has violated Cal Penal Code Section 632 by not telling me or my client that the call ( s ) had been recorded.