davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

My Coinbase, Inc. ( cryptocurrency ) account has been blocked/restricted since XX/XX/2019. Coinbase blocked/restricted my account because they say someone tried accessing the account from XXXX. I am still not able to this day to log into my account. I submitted a ticket requesting help with the issue on XX/XX/2019. The case number is # XXXX. Coinbase support requested from me to upload two documents proving my address in XXXX, TX. I uploaded an internet and electricity bill showing my address is XXXX XXXX XXXX XXXX, TX XXXX. Coinbase support responded to me on XX/XX/2019 stating my issue was going to be resolved in 5-7 business days but it could take longer. 17 business days have passed and I have yet to hear from them. I have called multiple times to ask them what is the issue or if they need more documentation in order to prove my residence but it has not helped. I have about {$4500.00} US dollars in different cryptocurrencies in that account. I have been trying to call but now it seems as if they automatically blocked my number and the call is hung up after saying that they have a lot of callers on the line. I need help and representation in order to retrieve my funds from that company. I did what was needed from my end in order to get my account unblocked but they are being unresponsive.
Consumer complaint received 2018-06-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (FL)

My account was closed because someone stole my checkbook and tried to deposit the checks into my account. Wells Fargo closed my account after I called in telling them that I did not do this. 

They told me I would be able to open another account after the account was fully closed. I have since been denied to open another account. 

I was told i am ineligible until further notice.
Consumer complaint received 2017-07-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (VA)

Serveral years back. A Item was sold on XXXX, which they forced the use of XXXX. Which XXXX has now purchased. after months of communication and speaking to those at XXXX. Was assured it was resolved., but I guess not. Seller filed a dispute. XXXX ( being only a middleman merchanct account ) WOULD not disclose which CC wa suse dfor purchase to appeal and fight th efalse claim. Was at complete mercy of XXXX and their decisions. The item sold was NEVER returned to me ( seller ) as per XXXX rules, but the buyer or XXXX/XXXX. Complete violation of the rules @ that time. As of XXXX-2017 XXXX balance is ) .. ( XXXX ) no negative. well ACI contacted me.. over 6 years later now., ,.. reopening the claim. Which was previously closed/setted XXXX and XXXX were both placed in collections for the account as well. As well as a lein judment against that buyer, who lives out of state MI..not VA where I reside so its unenforceable. Want this stopped and fixed. No need to drag on, and on, and on ... ..
Consumer complaint received 2023-03-31
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: FORD MOTOR CREDIT CO. (NC)

LEGAL CONSTRUCTIVE CONSUMER FRAUD EXPOSED The FTCs Bureau of Consumer Protection stop unfair, deceptive, and fraudulent business practices by collecting reports from natural person consumers and conducting investigations, suing companies and people that break the law, developing rules to maintain a fair marketplace, and educating natural persons consumers and business about their rights and responsibilities. 
Consumers Fraud is a deliberate misrepresentation on which a banking business intends for natural person consumers to rely. Consumer fraud is a form of misrepresentation committed by beneficiary seller banks or financial institutions against a buyer or a group of buyers that are natural person investment companies to whom a banking business deliberately misrepresented any Social Security Number card thing with the intent that a natural ( fool ) person consumer will rely on the misrepresentation that a SSN is used for identity verification purposes, resulting in harm or loss to par value, at least to some natural person consumer who believes so. 
Consumer fraud is barred by statute and, unlike common-law fraud of agency undisclosed principal doctrine, in most jurisdictions is complete at the time of a deliberate misrepresentation of a SSN as identity or the commission of a deceitful and fraudulent practice. 
An action against a banking corporation or financial institution for consumer fraud does not require PROOF of reliance on the misrepresentation by or deception of a natural person consumer. 
Consumer fraud committed by a beneficiary seller Bank of collateral securities, such as bills or notes belonging to a natural person consumer, involved with interstate commerce is regulated by the Federal Trade Commission , Bureau of Consumer Protection that is authorized to stop fraudulent practices against SSN card holders.
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted to TransUnion two disputes involving XXXX XXXX. XXXX XXXX XXXX XXXX is incorrectly reporting an account with TransUnion and I provided documentation and full credit reports to display the inaccuracies and request deletion. I also disputed a XXXX XXXX credit card that was incorrectly reporting late payments which I requested to be changed to paid as agreed. I also included payment verification from my bank proving I was on time. I pulled my credit report today after learning they completed their investigation. TransUnion says they did an investigation of my claims in both cases. In the case of XXXX XXXX XXXX XXXX they suppressed the information in the dispute but did not delete the file as requested so the balance reflected as the high balance is still wrong. In the case of the XXXX XXXX Bank account they did not fix the late payments. They have not fulfilled their obligations under the Fair Credit Reporting Act so I am filing a complaint. Thanks XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-03-31
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (FL)

I got an alert on XXXX XXXX about a collection account in tune of {$9200.00} in XXXX of XXXX owed to original creditor : XXXX XXXX XXXX XXXX XXXX . 

I called to dispute but nobody would talk to me. 

Someone in Massachusetts is using my SSN to rent apartment and utilities. I have never been to Massachusetts or California or its suburbs I leave in XXXX Florida for th longest. I have a fraud alert on my credit report so please do not grant or extend aid to anybody under disguise that its me.
Consumer complaint received 2019-09-30
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: CarFinance Capital LLC, Irvine, CA Branch (TX)

Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

THIS SELF FINANCIAL ACCOUNT XXXX IS REPORTING INACCURATE ON MY CREDIT FILE. THIS ACCOUNT IS PAID IN FULL AND ACTUALLY NEGATIVE OWING ME A CHECK THAT HAS BEEN PROCESSED OUT TO ME. I NEED THE LATE PAYMENT HISTORY REMOVED AND BALANCE UPDATED TO REFLECT XXXX  BALANCE IMMEDIATELY OR REMOVE THIS ACCOUNT COMPLETELY FROM CREDIT FILE
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I have made past requests to bring clarity and validation on 9 creditor disputes that I believe was related to identity theft. I have since then XX/XX/XXXX submitted a police report about my identity theft, dating back to XXXX of XXXX of an incident of my identity theft, which brought every account into scrutiny as to whether the entire account was invalid by being created with using my personal information or portions of the account 's balance being a cause of identity theft with unwarranted charges to the account. 

Since then XXXX, XXXX, and XXXX, have addressed some of the issues with some these disputed creditors according results like CFPB report # XXXX, which suggests that identity theft was possibly at work behind those accounts that were deleted as result. 

Yet I am still getting targeted and bullied by creditors and collection agencies that have not been able to produce an original wet signature from my own hand to validate these accounts ( this would be my right and protection according to Federal Law, section 609 ). 
I have reason to believe that because there is no valid response since XX/XX/XXXX these accounts I am disputing may also have some involvement of identity theft as well. 

Can you cause them to stop with their bullying since they have failed to comply with my request of validation of these accounts? The issue is still unaddressed concerning this and it has been since XXXX XXXX, XXXX that there has been no wet signature of my writing to validate the source of these documents. According to our federal governing laws of section 609, I ask that you verify that these accounts have already been deleted from my XXXX, XXXX, and XXXX Credit Report.. 
Accounts that have not been properly addressed are : Original creditor : XXXX XXXX. with account number : XXXX Current creditor : Portfolio Recovery Associates : XXXX Original creditor : XXXX   XXXXXXXX XXXX with account number : XXXX XXXX account Number : XXXX Current Owner : XXXX XXXX XXXX If any of these are reported on XXXX, XXXX, and/or XXXX can you please verify them with a matching original wet signature by my own hand ( this request is backed by Federal Law, of Section 609 )? And since it has been since XX/XX/XXXX, with already no matching wet signature by my own hand, can you according to Federal Law, section 609 have these creditors deleted from all three of these credit bureaus and have XXXX XXXX XXXX, Portfolia Recovery, and XXXX XXXX XXXX, XXXX. to desist from their bullying efforts according to Fair Debt Collection Practices Act ( FDCPA ). 
Even If any of these are not reported or are reported on the these three Bureaus, can you have them stop with the bullying and forward this complaint to the Attorney General of the United States Government according to my rights stipulated the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I submitted to Experian a dispute involving XXXX XXXX. The account is incorrectly reporting with Experian and I provided documentation and full credit reports to display the inaccuracies and request deletion. I received notification the dispute had been completed so I pulled my Experian report today. Experian says they did an investigation of my claims but they did not address any of the errors or delete the account in question as I asked for. They have not fulfilled their obligations under the Fair Credit Reporting Act so I am filing a complaint. 

Thanks XXXX XXXX
Consumer complaint received 2018-08-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

There is a company that contacted me, advising they were capital one finance and that I was approved for a loan, text my cell # and advised to call back. Upon calling the XXXX to inquire about this so called {$10000.00} approval, the foreign sounding over seas gentlemen had my last four of ssn #, address, date of birth and checking information, which is scary. Stated that he was from Capital one and asked a few questions then advised I was approved and the money would be deposited into my checking account, I started to feel leery and begin to probe, and ask for the loan documents to be emailed to me for review and signature. I received a generic email from XXXX XXXX he used a XXXX account- first red flag and the document which I have a copy, is illegally using capital one logos, however the other red flag since I used to work as a XXXX XXXX in the XXXX  industry is that it did not address my name, only Hello, it did not list the agreed upon amount and the breakdown was generic, which is violating the TILA as all terms should be clearly stated, which led me to believe fraud, also they list a senior loan officer but underneath his name is a payday advance company then it shows a finance partner of capital one, yet all the pages on the pdf document is illegally using capital one logo, which I have a credit card and checking XXXX so I am very familiar with capital ones letters and ect. This is scary because they have all identifying and monetary information and I was just lucky enough to identify a scam, but I am sure they have damaged other people and possibly committed monetary fraud on their accounts,
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I submitted to Experian two disputes involving XXXX XXXX. XXXX  XXXX Auto Finance is incorrectly reporting an account with Experian and I provided documentation and full credit reports to display the inaccuracies and request deletion. I also disputed a XXXX XXXX credit card that was incorrectly reporting late payments which I requested to be changed to paid as agreed. I also included payment verification from my bank proving I was on time. I pulled my credit report today after learning they completed their investigation. Experian says they did an investigation of my claims in both cases but they did not address any of the errors or delete and fix the accounts in question as I asked for. They have not fulfilled their obligations under the Fair Credit Reporting Act so I am filing a complaint. Thanks XXXX XXXX
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This account was included in bankruptcy in 2017 and was also paid off. There were no late payments on this account which is being reported. I requested in writing the that they provide specific information pertaining to this account. The only response I received was from the credit reporting agencies stating that all information has been verified. I'm requesting that the late payments and negative items be removed from my report. These credit reporting agencies continue to fail on fallow the proper procedures and fallowing though with there disputes that we send in. This affects all those that obtain credit, good or bad. This shows incompetence and is unfair to all consumers. These credit reporting agencies should be held accountable for there actions.
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Credit reporting agencies not providing a updated credit report with update scores. Not deleting negatives wordings, and collections after Bankruptcy XXXX XXXX, Texas Federal Judge Discharged bankruptcy XXXX on XXXX XXXX,2016. This is a major Retaliation and Discrimination against me as a XXXX Military Veteran. There is many errors on my credit reports.
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

Fifth 3rd Bank has listed in credit reports that both my wife and I have missed 8 payments. In fact we have not missed even one without their instructing us that under the modification program we eventually qualified for, we could skip up to 2 Two payments. All other payments were made. In phone communications with them, I was told they were refusing to do anything about the false report until we served them with proof that the credit bureaus contacted them and then gave us 5th 3rd Banks written reply. XXXX  immediately removed the false report from their listing. XXXX took my complaint three separate times and only sent back emails stating that the process was completed, but not once reporting what was the reply. In a fourth contact, by phone, they would not give the reply verbally and stated I would get a written copy in 3 to 10 business days. That was over three weeks ago. Now, by phone, they tell me I am no longer able to confirm who I am to begin any discussion of 5th3rds response or what happened to the promised written reply. The History of bad faith on the Bank 's part is atrocious, including attempts to foreclose illegally and refusing to remove PMI as required when debt went way under 80 % of value. Then, after removing it in the modification, they just arbitrarily add it.
Consumer complaint received 2019-07-20
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. (GA)

This account was included in bankruptcy in 2017 and was also paid off. There were no late payments on this account which is being reported. I requested in writing the that they provide specific information pertaining to this account. The only response I received was from the credit reporting agencies stating that all information has been verified. I'm requesting that the late payments and negative items be removed from my report. These credit reporting agencies continue to fail on fallow the proper procedures and fallowing though with there disputes that we send in. This affects all those that obtain credit, good or bad. This shows incompetence and is unfair to all consumers. These credit reporting agencies should be held accountable for there actions.
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

My husband and I filed a dispute with Equifax and XXXX about our chapter XXXX bankruptcy. We have applied for a mortgage and the report they received shows that our bankruptcy has never been discharged or still open. When you look at our credit reports one company has we filed individual and one says joint. We are married filed joint and used a lawyer. This bankruptcy on our credit report is damaging our credit and preventing us from buying a home. 

Public Records Things like bankruptcies and legal judgments against you can show up on your credit report and do some damage to your score. 

Individual : Bankruptcy XXXX XXXX, 2011 {$0.00} Discharged XXXX Overview Reference Number XXXX Date Filed XXXX XXXX, 2011 Classification Bankruptcy Type Individual Responsibility Joint