davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (IL)

Hello, I had an account with Coinbase for digital currency, crypto. On XX/XX/2021 I woke up to emails stating that all my coins were converted into BTC ( Bitcoin ) and then withdrawn from my account without my approval or consent. I immediately messaged Coinbase Support Systems and have yet to get any solid information. 

They sent me back an email stating that they would get back to me with results. A week passed and no information was sent to me on updates other than their original message of them looking into it, so I sent another message asking for updates. Thats when I was told that I would have answers in 4-5 days. It is now Tuesday, XX/XX/XXXX and I still have no answers besides the fact that they were hacked. I have yet to receive anything informing me about receiving my coins back, being compensated, how they plan on preventing this from happening again, or even being able to open my account that still has money Ive invested in it. 

This is extremely unprofessional, disrespectful, and shows that my concerns dont matter about something that they allowed to happen. I would like immediate compensatory damages and/or punitive damages to be taken towards this company for the theft of my coins and for the values that they would now be in standings with. 

Im just ready to get this handled and moved on from because seeing that this isnt the first time Coinbase has been accused of these accusations due to recent research, I just want to get my money at its updated current value now, compensated for neglect/safety/inconvenience, and access to my account so that I can remove my last currency from their site. If I can please get some help, Id gladly appreciate it. 

Thanks for your time!
Consumer complaint received 2016-06-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I got this attached letter over the weekend from company by name : Specialized Loan Servicing company, which I do know or heard anything about them until now. Their name has never been mentioned to me in any of the mortgage information received either from XXXX or XXXX XXXX company that claimed that they are part of XXXX XXXX. In the letter from SLS-Colorado, they claimed that their creditor want me to pay them {$190000.00} .... ( See attached doc. )
Consumer complaint received 2022-09-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (SC)

I am a natural person. I am a living human being. I have rights under 15 USC 1681.

Govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be removed.

According to 15 USC 1681. I have the right to privacy and did not give written permission to furnish this account. 


ALLY FINANCIAL XXXX {$22000.00} Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Installment Account Loan Type AUTOMOBILE Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms {$0.00} per month, paid Monthly for 75 months Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$32000.00} from XX/XX/XXXX to XX/XX/XXXX
Consumer complaint received 2020-11-02
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. (TX)

In XXXX we filed a ch. XXXX bankruptcy which was paid in full as agreed and discharged in XXXX of XXXX. We had 3 accounts with XXXX XXXX XXXX XXXX included in the BK and those loans were satisfied via the BK but in XXXX of XXXX after our discharge date they started reporting us 13 times late 90 days. This is a violation of the FCRA and I have notified them several times including in XXXX of XXXX, XX/XX/XXXX and XXXX of XXXX. Each time they correct it and then report it again the next time my credit is checked. This needs to be fixed permanently.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing to follow up on my previous correspondence regarding the fraudulent items on my credit report. Despite my previous efforts to rectify this matter, I regret to inform you that the erroneous entries persist, and the issue remains unresolved. 

As I previously stated, the fraudulent items are inaccurately affecting my credit score and financial standing. Despite providing documentation and evidence proving the fraudulent nature of these entries, they continue to tarnish my credit report, causing undue stress and hardship. 

I understand that rectifying such matters can be complex and may require thorough investigation ; however, the lack of progress and communication from your end is deeply concerning. It is imperative that immediate action is taken to remove these fraudulent items and restore the accuracy of my credit report. 

I urge you to prioritize this issue and undertake all necessary steps to expedite the removal of the fraudulent entries from my credit report. Additionally, I request regular updates on the progress of the investigation and the actions being taken to address this matter. 

Failure to promptly resolve this issue may result in further escalation, including legal action and involvement of regulatory authorities. I trust that you understand the severity of this matter and will act swiftly to rectify it. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ZWICKER & ASSOCIATES (VA)

I went to use my debt card Saturday XX/XX/XXXX it was declined I called the bank to figure out why and learn I had a garnishment and my account was frozen the bank gave me a number to call, I called to see what was going on to learn that I had been sued by zwicker and associates in Ohio a state I haven't lived in for 15 years and was sending all correspondence to a XXXX XXXX XXXX address in Ohio instead of my address on file with the original creditor. The " attorney '' I spoke with was completely unprofessional and refused to give me any information saying it was all confidential even though the suit was against me and refused to release my account even though they illegally sued me in another state and i never received any correspondence of said suit or debt collection and the disclosed my information of my debt to an unknown individual. I had to get in contact with the original creditor to explain the situation whom then contacted zwicker and associates to file a motion to vacate and release my account because the address they used was not one in my file or the state I live in. Zwicker and associates are practicing illegal tactics to not notify the parties with malicious intent for parties to not show up to court. If this happened to me, how many other people has it happened to? I believe zwicker and associates need to be investigated. My rights were violated.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-24
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: EQUIFAX, INC. (OH)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$330.00}
Consumer complaint received 2020-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (WI)

Had credit card for Wayfair through Comenity. I received notice in XXXX that account was being closed because Wayfair was moving to new servicer XXXX XXXX XXXX in XXXX. I paid off my account in full prior to the account being closed on XX/XX/2020. I still have not received XXXX account statement reflecting payments and it is not available online. They are also reporting I still owe the balance on all 3 credit bureau reports. When I call the customer service Number on my card and previous statements it makes you put in your account number, which I do and then an automated message plays that my account is closed and it disconnects. I have tried to also contact through chat and email and have got nowhere. The return a robo-message response saying I wont receive a statement as no information has changed which doesnt make sense as the balance has been paid since the last statement. And since they closed it wouldnt that be new information? I am including a copy of the last statement noted on my account, a picture of the payment screen and a copy of the notice to close account.
Consumer complaint received 2016-04-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (TX)

Applied for a credit card. The card I received was used for fraud in less than 24hrs. I was informed by chase that a previous card was sent and was used for fraud without my knowledge and that this card was my replacement only to find out in the same conversation that the actual card I had received would be cancelled and that a new card would be sent but the previous representative told me the wrong information and my current card was good. I closed the account immediately. I had the card less than a week! Now I 'm concerned if it was done at Chase or if someone has access to my personal information.
Consumer complaint received 2015-09-28
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CITIBANK, N.A. (TX)

On XXXX/XXXX/15 I sent a cease and desist letter to One Main. They have violated this request by continuing to call me XXXX times a day, for the whole month of XXXX.
Consumer complaint received 2024-02-24
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: EQUIFAX, INC. (AL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX  XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2016-06-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (AZ)

I signed up for a citigold account with the understanding that I would receive XXXX XXXX XXXX points if I met the conditions of the bonus language. They said that after I met the conditions it would take 90 days for me to receive my bonus. I contacted them once via customer chat and verified that I had met the conditions and they said that I would receive the bonus in XXXX. I called today XXXX XXXX XXXX ) and they said that they do n't have any record of the bonus and that I will not receive it.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX : {$1000.00}
Consumer complaint received 2015-09-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A. (NJ)

My name is XXXX XXXX. I took out federal and non-federal student loans during XXXX while attending the University XXXX XXXX XXXX. The loan was through Citibank with a total of approximately {$40000.00}. I have made all payments on time and typically paid more than the minimum payment because I was trying to repay back my loans faster. I was able to pay off all my loans by XX/XX/XXXX. It is now XX/XX/XXXX and I 'm trying to get a mortgage. My mortgage lender informs me that Citibank had filed a dispute on my student loan. I had never heard of this before and it was shocking since it 's been a couple of years since I had paid off my loans. I called Citibank and they said that the dispute was filed with the credit agencies because of how my last payment was redistributed. This did n't make any sense. You would think that paying off a student loan would have been a good thing ; not something to file a dispute over. They will be sending me a letter via snail mail which will take 5-7 days for me to receive stating that the dispute is closed and that my loans are all paid off. They can not send me an e-mail or fax to confirm this. They can not overnight me this letter. I 'm most likely not going to be able to meet my mortgage commitment due date because of this, since it is holding up my mortgage application process. I 'm filing a complaint because I was treated unfairly by Citibank and they are not willing to do all they can to help me address the repercussions of their mistake. I would like this to be published so that other consumers are warned and if they did have a student loan with Citibank, it does n't hurt to check if there is an open dispute against them. Especially for those who paid off their loans early and are asking Citibank to redistribute the additional payment towards principal instead of interest, since that is apparently why the dispute was opened in the first place.
Consumer complaint received 2024-02-24
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: EQUIFAX, INC. (DE)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-03-29
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a Bum. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX XXXX
Consumer complaint received 2016-03-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

credit card reported lost and stolen last payment made on this account 8 years ago XXXX literally holding me hostage by committing fraud themselves they keep changing dates so the clock is reset again and again this acct should have been removed from my report last year but they are changing dates they t do not provide any bank payment docs too IREALLY NEED YOUR HELP
Consumer complaint received 2023-03-22
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. (TX)

I believe someone is using my personal information to inquire about credit card accounts. I have great credit and do not want these unauthorized inquiries to lower my score. Here are the inquiries that a saw on my report : Inquirer Name : XXXX Phone : ( XXXX ) XXXX XX/XX/2023 Inquiry Inquirer Name : XXXX  XXXX Phone : ( XXXX ) XXXX XXXX Name : XXXX XXXX XXXX : ( XXXX ) XXXX An inquiry has been reported for your credit. 
Reported By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX Phone : XXXX XXXX ) XXXX Industry Type : Commercial Banks Please remove them because this is a violation of my privacy and I did not request for new credit.
Consumer complaint received 2015-07-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC. (WV)

In XXXX I opened a Kay Jewelers Account to finance wedding rings. I fell behind in payments and made arrangements through Kay to auto-deduct {$35.00} every two weeks from my bank account. The deductions continued for a little over a year and stopped ; not by any act of my own so I assumed the debt was paid. I was contacted approximately 6 months after the last deduction by Kay who stated I owed approximately {$600.00}. I told them I disputed the debt and continued to receive notices and phone calls for another month ; all of this occurred from XXXX to XXXX or XXXX. I then received a phone call in XXXX of XXXX from an associate from XXXX XXXX XXXX who stated they were collecting the debt on behalf of Kay and said I owed {$1300.00} and then went on to say that if my employer ( Sheriff 's Office ) had to collect the debt it would be embarrassing. I spoke with the associate at length describing what had occurred and she did confirm that the account showed that the auto withdrawals had ceased for an unknown reason. She stated that her firm would settle the debt for {$600.00} so even though I disputed the debt I wanted to clear it up so I agreed and paid the aforementioned amount with the last payment occurring on XXXX XXXX, XXXX. ( I have XXXX emails confirming this as well as confirming that the debt would be deleted from my credit file ). On XXXX XXXX, XXXX, I received a phone call from an associate from XXXX XXXX XXXX who stated they were collecting a debt on behalf of Kay Jewelers for over {$1000.00}. I tried to be as courteous as I could but did tell them that the debt had been paid through XXXX XXXX XXXX. They requested for me to send them proof but I declined and told them I was not paying anymore money and hung up. Approximately an hour after the first phone call XXXX XXXX XXXX called me again trying to collect the debt at which point I explained to them again, less courteous this time, that I would not pay anymore money.