davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

i initially had XXXX invested in coinbase XXXX app. They allow you to make deposits through ach bank and loan you the money in advance. my bank reveersed a deposit for XXXX on XXXX, XXXX PST, Coinbase completed the transaction by processing your XXXX XXXX for {$1.00}, on XXXX, XXXXXXXX XXXX, Coinbase completed the transaction by processing your XXXX XXXXt for {$350.00}, and lastly, on XXXX, XXXX XXXX, Coinbase completed the transaction by processing your XXXX XXXXt for {$500.00}, which brought your balance down to {$1800.00}. 
the remainder balance was locked in I couldn't transfer it out even though i hade paid what i owed. they said they finally released my funds on the XX/XX/2021. come to find out when the are holding my account on lock again even though I had paid I attempted to transfer out until the XXXX i still couldn't transfer out my funds. only allowed to trade. I invested again in XXXX XXXX " stablecoin '' the XXXX cents totaling to XXXX tokens. that very same day they disable the coin completely remove it from listing causing the value to drop significantly not allowing my to even access my balance than completely disappears. when it reappears in valued at XXXX my XXXX  was now XXXX and to this date I sill cant access what is left of my investment. the restricted sell buy trade and transfer functions. They responded to my with a blunt robo helper that the matter is being investigated still it been about XXXX days since. I've also reached out to XXXX as well they redirected me to your agency. This is my complaint file on XXXX : XXXX : :XXXX I am honest  man. a husband father of XXXX. I just want to recover my money. This is to disciple and evil of a rug pull they did. i know im not the only individual who got scammed. their XXXX account is full of its victims. i appreciate your support and thank you for your contribution to our communities
Consumer complaint received 2022-11-11
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. (IN)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2021-11-23
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)

This is an identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior XXXX member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Consumer complaint received 2021-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NC)

I filed a dispute on XX/XX/2021 for atm cash not dispensed at a non-chase atm in the amount XXXX {$3900.00}, I reached out to chase and they stated they would do a investigation and it can take up to XXXX business days for a verdict. On XX/XX/2021 i received a notice in my app that my claim was denied and the reason was they stated " the transaction was processed according to the information you provided or was authorized ". On XX/XX/2021 I reached out to chase for documentation and to understand how they reviewed XXXX transactions in XXXX day and contacted the atm operator on my behalf which i have the right under XXXX XXXX and them being fdic insured, the first representative stated she did not understand why and forwarded to her supervisor by the name of XXXX, Speaking with XXXX she placed me on hold to review my account and she came back on the line and stated the backend claim team denied it because we cant prove you did not get the money, I asked for supporting documents thinking they reached out to the atm on my behalf but they never provided any supporting documents from the atm and made me conclude that they did not do an investigation and simply denied me because they did not want to do an investigation and to save them time and money which is unfair to me. I asked XXXX to review the charges again and to do a thorough investigation she refused and was not helpful or concerning when a customer is out of {$3900.00} and there was never even a investigation or reconciliation of the non chase atm. I do not get how you deny a claim on a atm that is not yours and you never reach out to the atm on my behalf or have any supporting documents, they basically said your lying and we do not care about you but never had any substantial evidence.
Consumer complaint received 2021-11-23
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: JPMORGAN CHASE & CO. (GA)

XX/XX/XXXX was charged {$1000.00} by XXXX XXXX a tshirt/souvenir store we made a legitimate purchase of {$38.00} while on vacation in XXXX XXXX GA XXXX 

Called Chase sometime between XXXX and XX/XX/XXXX when I noticed {$1000.00} charge and was told to close card and I wouldn't be responsible. 

Got new card in mail. 

XX/XX/XXXX {$1000.00} refunded to account XXXX {$1000.00} charged to account XXXX and {$1000.00} was refunded XXXX Letter in mail ( attached ) that investigating XXXX charged {$1000.00} XXXX with receipts stating charge valid XX/XX/XXXX called to dispute and was told case would be re-assigned to another investigatoXXXX XXXX in mail again stating found valid XX/XX/XXXX Called to dispute and was told a " Senior account Investigator '' would call XXXX Credit card balance XXXX No one ever called back, called and was told there is nothing Chase can do as the merchant sent receipts ( attached ) I tried right away in XXXX calling the store and there are no valid phone numbers I could find. Chase kept saying that since it was a chip card it had to be valid and I had to have made the purchase in person. I did not, I was not in the store a the time of XXXX shown on the receipt. The signatures aren't the same. I asked and Chase said they weren't able to reach anyone at the store either, they were basing it all ion the copies of the receipts. Besides the fact that I did not make the purchase, I mean there is nothing in the shop that costs that much, its a souvenir shop! And the charge is exactly XXXX, and no one will answer the phone, they have no website and the facebook page hasn't been updated in years. There are so many red flags. We don't live in that area, so I haven't been back to the store. I did call the local police in XXXX XXXX GA to ask if they could assist and was told no.
Consumer complaint received 2021-11-23
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. (GA)

This is an identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to XXXX or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior XXXX member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Consumer complaint received 2021-11-23
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. (NV)

The consumer has not consented, authorized or benefited from any of the following adversely furnished data. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX ( Reseller ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Companies XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  AXXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX ACCOUNT # XXXX CHARGE OFF XXXX XXXX Acct XXXX Charge off XXXX XXXX XXXX  XXXX Unvalidated Collection XXXX XXXX XXXX XXXX  XXXX LATE PAYMENT
Consumer complaint received 2020-02-27
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)

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report XXXX XXXX, Account with no name but the account number XXXX, XXXX  Acct XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Then I see inquiries that I dont know about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the local police and the FTC.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (GA)

XX/XX/XXXX Card was used in my name and falsified to open XXXX Called company to let them know about the fraud and they said they would take care of it. ( 4 hours of conversations ) Early XXXX I called back because they wouldn't close the account- they asked for identity verification and then asked for me to send IdentityTheft.gov paperwork faxed to them ( 3 hours of conversations ) XX/XX/XXXX : Faxed IdentityTheft.gov information and waited for result XXXX : XXXX sent letter closing my account but wouldn't remove responsibility for pay XX/XX/XXXX : Called them to ask what is going on and why this was declined. They refused to give me agent numbers, badge numbers, recordings, etc. It's impossible for me to trace any conversation we had without illegally recording myself. 
XX/XX/XXXX : They told me that the account was " Resolved '' but when asked to double check and what that means, they told me it's " Resolved '' and I read the letter from XXXX and they said " Yep! Resolved ''. After telling them I'm nott paying for something I didn't charge, they told me to send the same paperwork I already sent them back to them and wait 90 days. 

I'm trying to buy a house, move for work, etc. This is DESTROYING my credit to move. It's predatory lending.
Consumer complaint received 2021-11-23
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: EOS Holdings, Inc. (MT)

EOSCCX company out of Idaho acquired information via XXXX and without authorization used my Social Security Number to run down my credit on an account already reported by XXXX. When I requested that XXXX remove the redundancy, XXXX did not comply and claimed that they had right information so this company can run down my credit
Consumer complaint received 2021-11-23
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. (MS)

On XX/XX/2021, XX/XX/2021, and XX/XX/2021 I sent letters stating, " I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Last week I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! In accordance with FCRA, Section XXXX, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. '' Equifax, XXXX, and XXXX have not given me any document of my hand signature or any other documents showing proof that any debt belongs to me. Please investigate and help resolve this matter, thank you.
Consumer complaint received 2020-02-27
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 (NY)

My parents received a call regarding purchases for a credit card they don't have. It was listed as a call from Synchrony Bank. The message said there was a purchase in excess of {$800.00} made in XXXX, Texas. My parents live in XXXX XXXX XXXX. The number shown was XXXX. I didn't call that number, just in case. I looked up the bank 's number online. The first number given, ( ( XXXX XXXX XXXX, ) turned out to be for a medical equipment company. I tried another number ( XXXX, ) and got the bank. I refused to give them social security numbers, but did oblige with my parent 's phone number, as it is not blocked. The " agent '' stated that the phone number did not correspond with any of their accounts. He told me to disregard it. I'm not sure if that is wise, because others might fall prey to this scam. This happened on Thursday, XX/XX/2020, at approximately XXXX XXXX.
Consumer complaint received 2021-11-23
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number  XXXX XXXX XXXX Account Number : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2020-02-27
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc (MA)

I XXXX XXXX have received several calls from a debt collector hired by Harley Davidson Credit. My balance shows {$190.00} on all credit reports, yet a debt collector named XXXX XXXX from a collection agency called XXXX XXXX XXXX claims that I owe a balance approximately {$2800.00}. Accordingly, I demand a full accounting of the account, and a cease and desist of all calls from this point forward as mandated under my rights Fair Debt Collection Practices Act. XXXX XXXX XXXX , XXXX is third party debt collector located in XXXX, Arizona. XXXX has been a party to a Federal Court case over 40 times. They have been accused of violating consumers rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone : ( XXXX ) XXXX. I have never received one collection letter from XXXX, and I want to resolve this matter professionally but in written correspondence only.
Consumer complaint received 2024-04-23
Product: Credit reporting 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)

Dear CFPB I have notified XXXX on several occasions of my wishes and continue to violate my consumer rights. I have sent them an injunction and explained to them the following : Pursuant to relevant laws under the Fair Credit Reporting Act ( FCRA ), I hereby lodge a complaint against Experian, which is a consumer reporting agency, for violations of my consumer rights. 

Under 15 USC 1681 section 602 ( a ), it is mandated that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Additionally, 15 USC 6801 outlines Congress 's policy that financial institutions, including furnishers of information to credit agencies, must respect customer privacy and safeguard nonpublic personal information.

Per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish a consumer report with the written instructions of the consumer to whom it relates. XXXX, Experian, and the furnisher of information to credit agencies have not obtained my written consent to furnish this information, thereby violating my privacy rights. 

Furthermore, 15 USC 6802 ( b ) ( c ) dictates that financial institutions must inform consumers of their right to exercise nondisclosure options, which was not done in this case. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without proper authorization. This account, being reported without my consent, constitutes a violation of this provision. 

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) stipulates that information furnished to consumer reporting agencies must be accurate. XXXX and Experian have failed to maintain reasonable procedures, as required by 15 U.S. Code 1681e, to prevent violations of FCRA sections.

Lastly, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, which I let them know is my will to be done. I showed them the following was on my consumer report in violation of the relevant laws : I wrote to them to remove the following from my consumer report : XXXX XXXX XXXX XXXX and its Alleged balance of {$10000.00}, XXXX XXXX XXXX XXXX and its Alleged balance of {$15000.00}, XXXX XXXX and its Alleged Balance of {$3300.00}, XXXX XXXXXXXX XXXX and its Alleged balance of {$7700.00}, XXXX XXXX XXXX XXXX. I anticipate a prompt and satisfactory resolution Thank you for your attention to this matter.
Consumer complaint received 2021-11-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Please review below the complaint and the resolution in below box. The loan modification plan to bring us up to date seems unfair and hidden and higher cost, fees for this bank, which was not needed, The loan was never behind in XXXX because I pay ontime and met my payments for the 4 month plan. They also have fees that they can not explain how it went from XXXX or XXXX XXXX behind to XXXX behind on the loan as they wrote up. Please see complaint below
Consumer complaint received 2021-11-23
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXccount Number : XXXX XXXX XXXX Account Number : XXXX SXXXX XXXX Account Number : XXXX FXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX NCB ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX