davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OR)

My Coinbase was hacked and Hacker sells and withdraws money to an unknown XXXX account.. I made many ways to contact and made many cases but it very hard to wait, and has no responding other then ROBO replays. The hacker made unauthorized transfers were almost {$15000.00}. Hacker linked new XXXX accounts and sold all of my BTC and Ether with in minutes to USD, then transfer with in sec to unautorized XXXX. I contacted XXXX directly since Coinbase has no Live support, but XXXX can not do any actions, the case must contacted by Coinbase service,,. These are my Unauthorized items : 1 ). On XX/XX/2021 at XXXX PST, you initiated a withdrawal of {$1700.00} from your USD Wallet. {$1700.00} will arrive in your XXXX account by XX/XX/2021. Withdrawal reference : XXXX 2. ) On XX/XX/2021 at XXXX PST, you initiated a withdrawal of {$2500.00} from your USD Wallet. {$2500.00} will arrive in your XXXX account by XX/XX/2021. Withdrawal reference : XXXX 3 ). On XX/XX/2021 at XXXX PST, you initiated a withdrawal of {$2500.00} from your XXXX XXXX. {$2500.00} will arrive in your XXXX account by XX/XX/2021. Withdrawal reference : XXXX 4 ). On XX/XX/2021 at XXXX PST, you initiated a withdrawal of {$2500.00} from your USD Wallet. {$2500.00} will arrive in your XXXX account by XX/XX/2021. Withdrawal reference : XXXX 5 ). On XX/XX/2021 at XXXX PST, you initiated a withdrawal of {$2500.00} from your USD Wallet. {$2500.00} will arrive in your XXXX account by XX/XX/2021. Withdrawal reference : XXXX 6 ). On XX/XX/2021 at XXXX PST, you initiated a withdrawal of {$2500.00} from your USD Wallet. {$2500.00} will arrive in your XXXX account by XX/XX/2021. Withdrawal reference : Unknown. Lost confirmation email. 


I do not know how many funs will be lost more since now my Coinbase is lock out by reporting unauthorized. The Coinbase has security flows on Compromised unauthorized transfer to XXXX.
Consumer complaint received 2021-07-02
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. (TX)

I have been letting Equifax know that the accounts for XXXX XXXX & the inquiries on the identity theft report are not mine & need to be deleted. I keep getting the run around and items still reporting.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

I have specific account inaccuracies that need to be corrected. Equifax will not provide any proof of how they validated this inaccurate information. 

XXXX - XX/XX/XXXX : Requested & received Equifax credit report. 
XXXX - XX/XX/XXXX : Mailed ( certified ) dispute letter with enclosed ID & Utility Bill XXXX - XX/XX/XXXX : Mail response received from Equifax stating No Record found XXXX - XX/XX/XXXX : Credit report received from Equifax, no changes. 
XXXX - XX/XX/XXXX : Mailed ( certified ) response letter itemizing inaccuracies and requesting method of verification. 
XXXX - XX/XX/XXXX : Credit report received from Equifax, no changes.
Consumer complaint received 2021-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union (OR)

On XX/XX/XXXX I made a subscription change through XXXX XXXX. Which has my First Technology Credit Union Card on file for purchases. Usually there is a hold aka transactions pending for such. Within hours of making the XXXX  account purchase. A full charge as if I used my card with a pin or chip no hold or pending transaction. In the amount of {$11.00}. This threw my account t into an overdraft balance of more than XXXX or XXXX ( the amount that warrants an overdraft charge ). If First Tech would have put the hold ( as required for such a purchase ( CC not debit card ). The transaction for a credit processed through my XXXX XXXX in the amount of {$3.00} would have made my overdraft under the amount and I would not have been charged a overdraft fee.this is not the first time I have had to fight with my credit union. Regarding charges that were processed and should not have been or that didnt warrant a charge. Ex I believe in XXXX during the shutdown a monthly subscription. To a tanning salon processed the monthly payment knowing they were not open. And had a form to request a refund but they were not responding or processeing the refunds. I literally had to fight with First tech inorder for them to reverse the charge and forgive the overdraft! Which I do believe they did not refund me the fees! This is my 2nd account due to them wrongly processing transaction inorder to collect an overdraft fee! Transaction are not processed in the order they are done! Nor are they processed with the correct date of actual transaction made! First Tech does not offer fraud orenco tip To their members!
Consumer complaint received 2021-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NV)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-07-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have an incorrect account reporting to my XXXX  and Equifax credit report. I have tried to resolve this with both XXXX  and Equifax with no response from either companies within 30 days. I have provided proof of delivery below.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MS)

The supervisor Mrs.Bille seen two transactions that were held a date late and didn't reconcile the issue with my deposit XX/XX/XXXX and Today the XXXX I asked reasonable questions and she hung up in my face as if I haven't been an trustworthy and honest customer for more than 6 years. I will contact the BBB Because u just treat people like that in such I disgrace manner ... now I'm homeless due to this matter ..
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (VA)

I sent a debt validation letter to the company ARS Account Resolution on XXXX, XXXX XXXX requesting validation of the account currenting reporting to my credit. I requested a signed document from said provider showing that I was releasing my medical information to a third party company. As well as a signed document showing that I was financially responsible for the debt they claim I owe. They responded with a letter dated XX/XX/2021 only listing the account numbers and amounts claimed to be due. They were given 30 days to provide the requested information and have failed to do so in the allotted time. I will send a copy of the letter sent as well as the a copy of the letter received from the company. 

They are in violation of HIPPA and should not have any access to any of my medical records or accounts.
Consumer complaint received 2021-07-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: OVM FINANCIAL, INC (VA)

In XXXX of XXXX, I contracted with a company to build a house. The builders required that their preferred lender, OVM Financial, is used for the loan. I sent XXXX XXXX at OVM Financial my tax returns for the last two years to get pre-approved for the loan. At some point, OVM sent all of my income information to the real estate agent for the builders, XXXX XXXX with XXXX XXXX XXXX. This was done without my consent or without even asking. XXXX XXXX then forwarded this information, details of how much money I made in the last two years, to the builders of the house. I need to file a complaint due to my personal financial information being passed around without my consent. The email and the attachment with my personal financial information that was sent from OVM Financial to XXXX XXXX are attached below.
Consumer complaint received 2024-03-22
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)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am disputing and requesting the correction of inaccurate data on my credit report regarding late payments. It is crucial that these accounts are corrected to accurately reflect the payments and that any erroneous information is rectified promptly. In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable timeframe. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments.I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness. Please have these accounts updated : XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-07-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Paypal Holdings, Inc (FL)

on XX/XX/21, my mother in law received a text supposedly from Pay Pay, addressed to me, stating it would help get my account in good standing. They also gave a number to call. There is no reason my mother in law should get calls or texts regarding my debts. In addition, her phone number is nothing like mine, so it could not have been a mix up. the number listed that sent the text was XXXX, the number on the text was XXXX
Consumer complaint received 2021-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (OH)

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with JEFFERSON CAPITAL SYST plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1200.00}
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

I had unauthorized charges on my Best Buy card which is through Citi Bank and had a 0 balance prior. While in dispute, Citi filed with the credit bureaus that I had past due payments over 30 days and an outstanding balance due. They did resolve the disputed charges and in my favor, again bringing my card back to a zero balance. I had previously filed a complaint with CFPB, which has been closed, because Citi reported they sent corrections to the credit bureaus and that they sent me a letter stating the same. I have talked to all 3 credit bureaus and the outstanding balance due has been taken off but none of them had received a correction for the more than 30 days past due error. The only letter I have received from Citi is that they want any further correspondence in writing. My original goal was simply to have the errors fixed and my credit restored. This has not been accomplished.
Consumer complaint received 2021-03-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (AL)

I have not supplied proof the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2021-07-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$540.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$540.00} -This is not my account.
Consumer complaint received 2021-07-02
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: Amsher Collection Services, Inc. (NY)

I hav this account that does not belong to me and i want it to be remove from my credit report in the 3 agencies asap.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-02
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. (MN)

I bought a car from XXXX XXXX that was an XXXX XXXX XXXX. I had the car from a few months. I volunteered and returned the car due to predatory practices. I was abused and felt compelled to invoked my rights as it pertains to the Truth and Lending Laws. The representatives at XXXX XXXX was understanding that the dealer that I bought the car severely overcharge me. The car has been sold, I was also notified that the closed account will be removed from account
Consumer complaint received 2021-03-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

Coinbase has completely ignored mine and thousands of others request for assistance on their platform. Their XXXX has spelled my name completely wrong ( XXXX XXXX instead of XXXX XXXX ) and now I can not sign back into my account due to identification procedures. I have trying to communicate this mistake and how to fix it and it has been 4 months with 0 response from this company. Coinbase does not help any of their customers support tickets and needs to be stopped and investigated. Look online for this company they are scamming and abusing their customers.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am disputing and requesting the correction of inaccurate data on my credit report regarding late payments. It is crucial that these accounts are corrected to accurately reflect the payments and that any erroneous information is rectified promptly. In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable timeframe. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments.I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness. Please have these accounts updated : XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-07-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation (MO)

Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX  XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
Consumer complaint received 2023-03-10
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)

N accordance with the fair credit reporting act 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 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2024-03-22
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (UT)

Credit Collection Services is reporting on my credit file for a debt that I dont owe. I never received a notice for this and they are supposed to notify me before they put anything on my credit file. This debt was paid & should have never been sent to collection.
Consumer complaint received 2021-06-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Harley Davidson Financial Services Inc (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-07-02
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. (CA)

Experian is continuing to report XXXX XXXX - Account # XXXX as a " Mortgage '' Account Type. 
My issue is that this is incorrect. " Fractional Ownership '' is not a Mortgage. 
Experian refuses to remove this account, and I don't understand why they continue to report inaccurate information. 
Please remove this account.