davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (GA)

I use their user interface trading platform, and am in compliance with all of their terms of service. Yesterday, unexpectedly and without notice, I was denied access to my account when has quite a large sum of money. After noticing the problem I immediately phoned the support number given was was only told that they acknowledge my problem, apologized, and said someone would contact me shortly. After waiting for my issue to be resolved, I phoned the support line again, spoke with a supervisor who stated that I must wait on a " specialist '' to resolve my issue. Since then, customer report has been unresponsive to my attempts to contact them. I am at risk of losing a considerable amount of money due to the misfeasance by this company and have been robbed of the control over my funds and assets. For the company 's reference, by original Case ID # is XXXX.
Consumer complaint received 2018-02-12
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. (NC)

Hi, In mid XX/XX/2017, my wife and I initiated credit freezes with all three credit agencies. I received a PIN from Equifax to be able to unlock the freeze, my wife did not. In mid XXXX, we both wanted to temporarily lift the freezes for a credit check. My PIN would not work, although the CSR was able to lift the freeze. My waif was unable to lift her freeze without a PIN and so requested a new PIN. This new PIN was never received and so I emailed Equifax via their company portal to get an update on status of the newly requested PIN which never arrived. I haven't received a response. My wife spent 45 minutes today on the phone with Equifax and the issue is still not resolved. This is unacceptable to have our personal information held XXXX by a third party we never gave permission to and have no contractual obligation to. Equifax were unable to keep out personal data safe from hackers and now appear unable to release our credit file to lenders.
Consumer complaint received 2021-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

I received a bill in the mail addressed to my husband from Credit Management. L.P. They sent a very detailed, real looking bill attempting to collect a debt from XXXX  for the amount of {$59.00}. They provided a date ; XX/XX/2021. My husband logged onto our XXXX  account ; all bill have been paid, and payment is on autopay. When I XXXX  this company, the reviews came back that they are a fraudulent company that attempts to collect false debts. They have not contacted me any other way yet, but reviews said that they will call asking for personal information to close the debt and will make false reports to credit bureaus. 

They provided their information as : XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone number to pay : XXXX www.creditmanagementoline.com
Consumer complaint received 2024-02-05
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. (NV)

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

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 crime 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 2021-02-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I am working with XXXX  on removing some accounts off of my credit reports due to me winning a case with a lawyer. XXXX has been trying to get them to contact me and I have received nothing so the process is now taking almost a year and it still is not complete. Multiple attempts have been made to removed them, with proof and they will not budge or communicate with me with their findings as they should. I have tried to make my own disputes and nothing has changed. I am not sure what else to do or how to have these items removed immediately. As I stated this process was started almost a year ago and it should not take this long.
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (UT)

On XX/XX/XXXX Coinbase started charging my bank account through my debit card multiple times for old transactions. I was put several hundred dollars in debt and can no longer pay my bills. They refunded some of the charges but not all, and I still have a ludicrous amount of courtesy pay charges thanks to this behavior. This kept happening following the next day and is still happening today.
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc. (OH)

I picked up a XXXX XXXX from XXXX XXXX at their XXXX airport location on XX/XX/2021. XXXX is owned by The XXXX XXXX. It was given to me with a crack running alongside the bottom of the windshield. 

It was verbally acknowledged by the lot attendant at the time of pick up, and was not an issue for me. I assumed they knew they had given me the car in this condition, and unfortunately I was in a hurry and did not take photos there on the lot. That was my mistake apparently. 

I returned the car to their XXXX XXXX airport location on XX/XX/2021, and it was inspected upon return. There were no issues brought to my attention, and no mention of the windshield. In XX/XX/2021, representatives of XXXX began contacting me demanding payment for the cracked windshield ( that I did not crack ). I requested that they provide me with the previous rental records for that specific vehicle. These documents should indicate when the damage to the windshield occurred. They immediately ceased contacting me. 

However, on XX/XX/2021 I was notified that this matter is now in collections against me, and around {$800.00} is owed by me for the windshield. This is ridiculous. I need this matter stricken from my credit report and I need XXXX to provide me with the car 's damage reports prior to my rental.
Consumer complaint received 2022-05-01
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. (NY)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Account # XXXX has Violated my rights. 15 U.S.C 1681 Section 604 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-02-12
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. (CA)

I disputed a collection on my Equifax credit report over 60 days ago, and for Equifax to provide a Reasonable Investigation and Account-Level Documentation for debt collector XXXX XXXX XXXX XXXX XXXX allege debt of {$300.00}. In addition to my dispute I requested Equifax to provide original purchase contract and verify the following on the original purchase contract : Name, Address, Phone Number, Date of Birth, and Signature. Equifax did not provide original purchase contract or Validation of Debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA that Im legally obligated to pay this allege debt. Equifax failed to uphold 15 U.S. Code 1681s-2 and fraudulently stated this debt meets FCRA requirements. Equifax willfully and knowingly executed non-compliance as per FDCPA 807. False or misleading representations 15 USC 1962e.
Consumer complaint received 2021-06-09
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)

XXXX Was investigated and went in my favor XXXX XXXX updated credit report temporarily and later updated it as late again each time i dispute its not updated properly they fail to look at notes and mark it as late. Please assist with XXXX XXXX making this update to all 3 credit agencies as a permanent update as not late per their confirmation later attached in above case number that was closed last year after1st dispute were i involved consumer financial
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (IN)

I have never been convicted of any crime, anywhere. This information is incorrect and is harming my reputation. This record is incorrect in it's entirety. The company that supplied this information is : XXXX
Consumer complaint received 2021-07-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I made a mobile deposit of an insurance check early on XX/XX/XXXX. Since it was a reputable company and a government account I was surprised the funds were not available the next day. I called the customer line at XXXX XXXX and was told they just needed to verify the check but it was scheduled to be released today. At XXXX XXXX I called back and was told it went through the fraud department and cleared and would be available by XXXX XXXX. I called again at XXXX and was told it cleared fraud and should be available anytime. I asked to speak to a supervisor because I needed to know exactly when. " XXXX '' got on the phone and said she put a 2 day hold on it. I wanted to know why and she had no explanation except because she could. When I explained the circumstances that my husband passed away last month and I needed the money she didn't care. She said the hold was staying. I asked to speak with her supervisor and she said she was the supervisor and the decision was hers to make. I asked to escalate the complaint and she said she was the escalation. At that point I became extremely upset and called her a bunch of names. She said if I really wanted to escalate it there was no one there but I could call the main office in Rhode Island. She gave me a phone number which turned out to be nothing more than a branch office. That branch office said they escalated a complaint to the chairman 's office. I'm not sure I can trust them now.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Avadyne Health Holdings, Inc (MI)

I have been in touch with XXXX multiple times and they do not want to clarify on my claim due to the fact that my identity was breached in the 2017 XXXX XXXX XXXX  scheme and then my name has been traded in foreign capacities that I was unaware of as as well as domestic I do not agree I do not consent and I didnt definitely did not receive compensation for any of the activities and has ruined my life completely now I demand a remedy as of what I state in my resolution statement and I promise its all in good faith because I pledge allegiance to the flag of the United States of America and to the republic for which it stands one nation under God indivisible with liberty and justice for all amen
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (ND)

In accordance with the Fair Credit Reporting Act. Experian and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the U.S.C 1681 602 A, States I have the right to privacy. 

These addresses, birthdates and incorrect spelling of my name do not belong on my report. 
XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/2022 I have already sent CERTIFIED MAIL with proper identification and proof of address to these credit bureaus on XX/XX/2022, stating to update my correct personal information on my reports.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

onXX/XX/2023 consumer stated that mortgage with Wells Fargo home mortgage was transferred and is still reporting open my consumer report there is also a delinquent status being reported to which Wells Fargo no longer has servicing rights not has any right to report on my credit report this loan was transferred/sold to another services therefore this account should be reporting as closed on XX/XX/XXXX wells fargo responded stating. We incorrectly reported the account as delinquent in XX/XX/2023. We have sent an update to the reporting agencies to show the account was service transferred with a {$0.00} balance for theXX/XX/2023reporting. The servicing of the account was transferred to XXXX XXXX on XX/XX/2023. I'm glad we spoke about your concerns. I appreciate the opportunity to help you, and I've attached a copy of our response letter. 

as ofXX/XX/XXXX original concern of incorrect information has not been updated but re-reported as 30 days past due/delinquent when on XX/XX/XXXX wells fargo stated that they would remove and fix current information. upon further investigation wells fargo has also reported further inaccurate and incomplete information
Consumer complaint received 2022-05-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

My original debt was with XXXX XXXX XXXX  This debt was in XXXX. It went delinquent around XXXX and I as sold to a collection agency in XXXX and then again with this new agency Midland funding LLC. In accordance with the FCRAs guidance, this debt should have fallen off of my credit report already. I asked Midland for a statement of original debt as well as disputing this debt collection agency through XXXX XXXX  XXXX and XXXX websites. Yet, this debt collector still remains on my credit report. I need to have them removed due to the fact that the debt they are attempting to collect is well past time to be removed. Thank you
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

on XX/XX/17 I submitted complaints to each credit bureau to remove negative items from my credit report that did not belong to me. I received a response from XXXX  and they removed these items, however, Equifax and XXXX  failed to reply at all.
Consumer complaint received 2020-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (CA)

On XX/XX/2020, via MOBILE Deposit, I scanned and deposited MY IRS TX REFUND CHECK into MY Discover account ending in XXXX. Two days later, my account was locked and I have been unable to access my account. Can not log in online, can not call in, as I get redirected to some RUDE people, who will NOT tell me anything. They continue to tell me that my account was closed on XX/XX/2020, and that I would receive information or any money in the account after 60 days ... .UMMMMM WHAT?! 

I never received a letter, a call, email, fax or any communication from Discover Bank, in reference to my deposit being held, my account being frozen or ANYTHING. When I call in, I am told that - you have to wait, and there is nothing I can do about it - - I have the recording ... .RUDE! 

Well - as of XX/XX/2020 - 60 days would have been XX/XX/2020 or so. So I called again, SAME THING ... .RUDE, no answers, telling me to basically kiss off my account and MY money ....!!!!

SOOOOOO Done ....

If they claim ( LIARS ) that they sent me something in postal mail, I want copies - again I want proof they sent me something ... 

Their actions are punitive, and I want my funds WIRED into another account I designate ... .IMMEDIATELY - I quite prepared to take this to court ... .My refund check was in excess of {$15000.00} - I also want all the interest they earned off MY MONEY - want all detailed accounting, showing what THEY earned from my money, and XXXX. Interest rate they will claim I earned. 

I consider what they are doing as misappropriation of funds, embezzlement and other major infractions. I want IMMEDIATE RELEASE of my money - wired - not by paper check - to an account I designate, within 3 days of receipt of this complaint. PERIOD..
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

Im trying to get XXXX XXXX XXXX off my credit and credit reporting agency keep saying accurate when the name is clearly incorrect my name is XXXX not XXXX  the birthday is incorrect too
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SYNCHRONY FINANCIAL (CA)

My names XXXX XXXX, I had called a few weeks ago to file a dispute on my credit but the thing is I shouldnt have a credit score I never applied for a credit card to begin with. I dont know the whole process of this and how it works but I would like to file a dispute on anything that is opened in my name that is on a credit card or anything that is making me have a low credit score if I never applied for a credit card to begin with. The only thing I should have under my name is the debit card that I use with XXXX XXXX. Thankyou for your time and I do hope that you guys can reach out to me and help me with this problem Im having.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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.

has violated my rights. Or a 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 2023-04-04
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. (CA)

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. 

Account name : XXXX # XXXX XXXX Account name : 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 an 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 or 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 2021-05-26
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. (MA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.