davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (KY)

I am a XXXX XXXX, so I am hoping I am in the right place. 

The company Coinbase has recently been locking users accounts and freezing their assests ( some seem to be up to 2 months ). This is horrific considering they may have wanted to buy/sell/trade their currencies out for XXXX. 

I have been a user on Coinbase for 2 years, however in XXXX they froze my account and I have yet to be able to access it. Timeline below : XX/XX/XXXX - I join coinbase and actively trade currencies Wed, XX/XX/XXXX - account is frozen after trading a currency Wed, XX/XX/XXXX - email them with a support ticket saying my funds are locked for verification Wed, XX/XX/XXXX - go through every possible identity verification, facial, passport, address. Still funds are locked. 
Fri, XX/XX/XXXX - send another support ticket, no response Sun, XX/XX/XXXX - email their CPO, no response Sun, XX/XX/XXXX - send another support ticket, no response Mon, XX/XX/XXXX - send another support ticket, no response During these times I have been requesting assistance on their subreddit ( XXXX XXXX XXXX  ). Many other people are having the same issues with more money in their account than I do. 

I can only assume they are doing this to keep people into their coins as the market is currently booming. However if they keep this up during a crash I expect a large lawsuit will be heading their way. 

With regards to identification, they should know who I am through support tickets : XXXX XXXX XXXX
Consumer complaint received 2021-11-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (CA)

I had a payday loan due around XXXX/ XXXX of 2021. I was out of work and unemployed due to a XXXX XXXX until XX/XX/2021. I received numerous emails from an attorney claiming to be a representative of speedy cash. She warned me that I would be in a lawsuit with the company and if I wanted to settle this matter outside of the courthouse, I would need to make a payment or several payments. I was scared to be prosecuted and I knew that I had a late loan to pay so I didn't think anything of it. I sent them 2 payments of {$290.00}, 1 payment of {$250.00} and 1 payment of {$590.00}. I sent these payments through XXXX XXXX around XX/XX/2021. Today on XX/XX/2021, I noticed a withdrawal of the original amount due for the company through the company. I called the company explaining my situation and they confirmed that it was a fraud account. The email I was in contact with was XXXX.
Consumer complaint received 2019-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (IL)

Yo whom it may concern Im having a financial hardship situation at this moment and my grandmother is sick and hospitalized in the hospital and need medication and a XXXX and I have to cover those expenses.due to my financial hardship situation I cant afford to pay the overdraft fee as Im struggling to pay for my grandmother medication and XXXX I would like to ask us bank to help me wave this fee as a courtesy as I cant afford to pay that fee over draft fee but I am able to deposit the negative balance amount to have my account back to current I was not aware that the person who I endorse the check would actually deposited yesterday and would cause me an overdraft fee usually when a check is deposited it takes from 1 to 3 business days to clear out but that check was endorsed since agust and just cashed out and affected me to be overdraft when Im struggling financially due to my grandmother health emergency situation. Please help.
Consumer complaint received 2021-06-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (PA)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the orginal creditor, only i can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Consumer complaint received 2021-07-05
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: EQUIFAX, INC. (FL)

Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-18
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. (NJ)

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 # : XXXX Account name : XXXX  XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX 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 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 2020-06-04
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NCB Management Services Inc. (NY)

In accordance with the fair credit reporting act XXXX act # XXXX has violated my rights 15 USC 1681 section 602 States I have the right to privacy.

It also states a consumer reporting agency can not furnish my account without my written instructions.

15 USC 1666B states that a creditor can not treat a payment under a credit card account under a open end consumer credit plan as late for purpose.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My mother XXXX XXXX opened her account in 2010, she is now XXXX years old. She recently under my care and I checked all her fees that are deducted from her checking account, and we called the bank and confirmed that the XXXX XXXX monthly fees have been deducted from her account every month because the account had to have {$1000.00} or more in her account monthly. My mother does not recall agreeing to these fees because she has direct deposit, and she was told that there would be no monthly fees as long as there is a direct deposit of {$500.00} or more and in her case direct deposit of {$500.00} or more continued to this date. 

Total amount taken from her account is approximately {$3000.00}. 

Please help. 

Thank you, XXXX XXXX XXXX XXXX XXXX ( daughter )
Consumer complaint received 2018-02-16
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. (NC)

I contacted XXXX in XX/XX/XXXX in regards to the incorrect late payments reporting to XXXX, Experian, and XXXX. I spoke with representative XXXX, and explained to her that the late payments that are reporting were during the time I was enrolled in school and/or in a deferred state. There is no possible way that I could missed a payment that I was never set up for. She agreed and confirmed that ALL of the late payments will be deleted and removed from my accounts. Over 30 days went by and I received an updated copy of my credit reports from XXXX, Experian, and XXXX. The late payments were still reporting and had not been deleted. I typed up a letter explaining everything that I had previously explained to XXXX. I also explained that I was told that All late payments would be deleted and removed over 30 days ago but they were still there. I mailed the letter off along with copies of all three of my reports certified mail with a received receipt included. According to the receipt the company received my letter on XX/XX/XXXX and I still have not gotten a response. These incorrect late payments are affecting my credit file/score tremendously. I have attached the letter and the receipt.
Consumer complaint received 2021-11-30
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. (NJ)

I have been disputing a chapter XXXX bankruptcy being disputed on my credit report. The court ID and plaintiff are not reported correctly. I have asked over the past several years for this information to be removed from my credit report, but it has not been. Also, it has been over 7 years and the bankruptcy still shows on my Equifax and XXXX reports.
Consumer complaint received 2020-06-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XXXX Member 37 years AUTHENTICATION COMPLAINT XXXX usaa began DENYING MY PHONE ACCESS CLAIMING THEY COULD NOT AUTHENTICATE ME & ON LINE NO ACCESS * DEMANDING I RECOVER MY PROFILE with Drs License Claiming it is a Federal Legal Requirement. I have Refused & usaa resets is able to AUTHORIZE ME 3 Xs now ** WITHOUT DRs LICENSE.?? USAA BLOCKS ACCOUNTS  ACCESS WITH FRAUD PURPOSEFULLY. VERY UNFAIR LENDING!!! There was NO LEGAL REASON USAA NEEDED DRs LICENSE. USAA was Informed TO USE THE DRs LICENSE USED IN OPENING THIS ACCOUNT ** SUDDENLY I WAS ABLE TO BE AUTHORIZED ONCE AGAIN TODAY. 
I asked Kindly Note XX/XX/XXXX Letter USAA REVIEW OF FRAUD CLAIM Confirmed NO Fraudulent Activity on this Account ** WHY ARE THERE THOUSANDS OF DOLLARS IN REVERSED CREDITS.??? XXXX - XXXX IF NO FRAUD OCCURRED??? USAA REVERSES ALL MERCHANTS CREDITS FTC MADE MERCHANTS PAY XXXX - XXXX. USAA REP XXXX COULD Not Explain??? I requested the Drs License used to open this account & written signature. ( legal requirement to open  account ) be mailed to my home address.
Consumer complaint received 2018-02-16
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. (FL)

I have contacted Experian several times about this Child Support Account, the information is incorrect, Experian 's response is " This item was updated from our processing of your dispute in XX/XX/XXXX '' however it's gotten worse!

Now no payments are showing, and it shows " Failed to Pay '' in XX/XX/XXXX only. 

This information is 100 % INCORRECT
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

l violated my rights to privacy by reporting my personal information and my private transactions and experiences on my consumer report. They weren't given consent or permission to do so. This is a civil liability violation and penalty can and will be implemented for damages sustained This my third an final time I filed complaint an no response per this complaint number. Failure to respond 5 calendar days will be constituted as your acceptance that the debt is not valid. Please understand verify, validate and document for your records that I AM LEGALLY Obligated to pay these alleged debts. Please be advised that a simple verified will not constitute an appropriate legal nor is it a lawful response. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: AAA Auto Title Loans, LLC (AZ)

I spoke to a Cash 1 representative on XX/XX/2022 and informed her that I was unable to be able to pay on that day due to unforeseen circumstances. She threatened to send my account to collections if I didnt pay. I informed her I need some additional time at which point she confirmed and she said she would follow up with me on Monday XX/XX/2022. On the same day I spoke with the that representative, XX/XX/2022, my bank account was charged the payment amount of {$570.00} and caused my bank account to go negative.
Consumer complaint received 2020-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE INQUIRIES LISTED BELOW ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER TO FILL SEVERAL FRAUDULENT APPLICATIONS IN MY NAME I DID NOT SUMMIT THESE APPLICATIONS 1.XXXX 2.US SM BUS ADMIN ODA 3.XXXX XXXX XXXX 4.XXXX XXXX XXXX
Consumer complaint received 2021-11-30
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. (GA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-07-05
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. (MS)

XXXX Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (OK)

First of all this account was settled for half of it faced value {$4500.00}, I made 8 paymentsat {$100.00} per month as agreed. But the new account was never recorded. It has been almost a year since I have been making payments toward it but Discover refused to update my account. I called them and asked them to correct the balance shows, they said yes but nothing was done about it. I would to see the balance agreed upon and credit for the payments I made.
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: Experian Information Solutions Inc. (GA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS,
Consumer complaint received 2021-09-14
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. (WI)

I got a XXXX XXXX loan a few years ago. I then called over a month ago to pay off my collection debt of {$520.00}. And now all of a sudden it shows on my collection a balance of over {$3000.00}. I have tried disputing it several times with my receipt showing it has been paid and Experian is becoming no help along with XXXX XXXX
Consumer complaint received 2018-02-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Band of America Credit Card History of this issue is : XX/XX/XXXX a charge showed up on my credit card for XXXX from XXXX XXXX XXXX XX/XX/XXXX The Credit Card Company was called and a dispute of the charge started. 
XX/XX/XXXX we received a letter saying the dispute was settled and a credit was given to the credit card account. 
XX/XX/XXXX 7 of 7 boxes were delivered to our house via XXXX. I was out of town so my husband not knowing what was coming for the holidays signed for the boxes. 
XX/XX/XXXX I called the credit card company to tell them packages were delivered but again neither my husband or I placed the order the representative said the case was closed and to do nothing at this point. 

XX/XX/XXXX we received a letter saying there was no fraud and we were responsible for the XXXX. The charge was placed back on our credit card We called the fraud department back and they said we were to return the items to get a refund. I said I don't know who to return the items to and who will pay the shipping cost. We tried looking up the company on line sending emails, used several phone numbers for contacting the sender to no avail. Once in a while you will speak with someone and they direct you to their email or they just hang up. Some of the phone numbers are routed to a recording that has a menu of prompts to win a beach vacation. No response from emails have ever been acknowledged. 

XX/XX/XXXX we called Bank of America Fraud Department and we were told the case has been reopened. 
XX/XX/XXXX I called Bank of America and said she reopened the case, the representative called the senders numbers provided and she was hung up on 2 times. 
XX/XX/XXXX my husband called Bank of America and he was told we can't speak to anyone in Fraud department about our case but he would re-open the case. 

1 ) How can I be sure my fraud case is really still open and the charge on my card will be removed with any interest accumulated? 
2 ) I would love to send the merchandise back to XXXX XXXX XXXX but not only will they not communicate with me but not the CC card company.