davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (DE)

Coinbase. I had XRP cryptocurrency in Coinbase Vault. When I try to transfer funds to the wallet so I could trade/sell it will not let me. I am able to click approval links in both my primary and secondary emails but only the primary email link registers. The secondary email link just glitches and says I have already performed this action yet on the vault details page it says the approval is pending. It has been 4 days with numerous attempts with no real reply whatsoever. They initially sent me an email to verify my ID ; which I did ; but since then have heard absolutely nothing. I need access to my money and they are obstructing access to my personal property. This is absolutely unacceptable to withhold customers money without even contacting us with any situation report. I am beyond upset about this and something needs to be done about Coinbase. Apparently they were having this issue 3 years ago and still to this day have not fixed it. This is either extreme laziness and contempt for their customers or its criminal.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for 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
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've contacted each service that's furnishing inaccurate information thats being shared on my consumer report. I made them aware that i did not authorize nor consent to the following names, addresses, phone numbers, employers, inquiries and collection being fraudulently reported on my consumer report. 
According to 15 USC 1681E ( B ) states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX Address : XXXX XXXX XXXX I XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, Fl XXXX, XXXX XXXX XXXX XXXX, VA XXXX Employer : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

I received a letter from US Bank dated XX/XX/. RE : Account XXXX ending in XXXX and Case Number : XXXX that my account was being closed and if there was a positive balance, a Cashiers Check for {$240.00} would be mailed within 15 business days once all previously deposited items have been verified. US Banks investigation was completed on XX/XX/. On XX/XX/, I called the U.S. Bank, Branch Operations Manager of XXXX XXXX XXXX XXXX and asked when my funds for {$240.00} would be mailed? XXXX XXXX said not for at least 6 months.
Consumer complaint received 2021-10-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX Year XXXX, I the consumer initiated a consumer credit transaction with CAPITAL ONE BANK USA, an institution that was given instructions by I the consumer to extend myself the credit line of minimum XXXX USD. 
Throughout the history of the consumer credit transaction I initiated, I called out the violation of my federal protected rights and violations of federal law done through and by this institution through the use of False or Misleading representations, not providing documentary evidence when requested through the agencies of XXXX, XXXX and XXXX of the documents, correspondences, books of accounts with financial and corporate records of the consumer credit transaction initiated by I, the consumer and natural person. 

These violations listed include but are not limited to 15 U.S. Code subsection 1692e, 15 U.S Code Subsection 1692d, 18 U.S. Code subsection 1963.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-11-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Herbert P. Sears Co., Inc. (AZ)

I contacted HP SEARS requesting debt validation. They sent over only a bill with late fees and charges that say retail product unknown and different fee amounts. They also violated hippa which a complaint was already filed. Im requesting this to be removed from my credit due to company not being able to provide actual proof these procedures were done to me and can only sent a breakdown with nothing showing services actually completed. Thank you so much!
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One Rejected my XXXX XXXX Deposited Check on Friday XX/XX/2021 which is like money, relatives paid for it and It should have been processed properly. Capital One terrible checks scanning machine, please see all related attached documents, omitted my name from XXXX XXXX Check I deposited, teller did not follow the process, the machine did not scan my name and my money is not cleared yet. Capital One still rejects to clear or return the money. I emailed their CEO XXXX XXXX, so ironic his name is " XXXX '', emailed their Abuse Department, but nothing so far. I provided all the evidence needed the following day, on Saturday the XXXX of XX/XX/2021, after getting a message that the deposit was not being processed- as I mentioned above- again, manager by the name of XXXX XXXX at that branch in XXXX, Virginia, brought the deposited check with my name on it but still refused to clear or follow up. I offered everything I could to make it happen. Again, On Saturday XX/XX/2021, Capital One employee XXXX XXXX was so hostile, threatened to " dismiss '' me from your bank all because I was checking on my money. I was going to call the police, record the incident but I did not. Right now either Capital One clears the deposit or return the XXXX XXXX check to me, it is like Cash, it is my money and I need it, my relatives paid for it and sent it to me. Thank you.
Consumer complaint received 2021-04-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Persolve, LLC - Legal - Series 2 (FL)

I had car that the dealer change the oil. 3 days later the motor blew up. We replaced the motor same place, 1 day later motor blew again. We gave the car back and tried to work out something over the phone. They put we owe XXXX on a 2009 car, the people that took over added more, now XXXX something is what they have. I am XXXX and a single mom of XXXX. But i am trying really hard to get my family a house. So i called the number on my report, that told me they will work with me but i had to wire them the money that day XXXX. Me sad because i been working hard to save this money for down payment. I went to the bank to wire the money, who refused to do it saying it was a scam and nowhere besides scam asked for it to me wired only and right away.
Consumer complaint received 2020-06-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I have contacted Experian twice in the past & I filed a complaint XXXX XXXX and told them that XXXX  is a FRAUD account and needs to be delete from my credit report. I have not received anything from this company or give them permission to access my credit report. There are inquries that I didn't give permission to have reviewed my credit either for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX   XXXX. Please delete this FRAUD information. I have sent a copy of my ID and everything I feel that this is not right and against the law to report information that you know is FRAUD.
Consumer complaint received 2020-11-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

Portfolio Recovery Associates, LLC has filed a court case, without any prior written or verbal notice for a charged off credit card debt with XXXX XXXX. Not only is the debt amount completely inaccurate, they spoke with third parties upon trying to serve papers to my residence, including my neighbor. 

I was not provided any documentation prior to court filing, and had a dispute with the credit card company prior to any action being taken. This was a disputed account with fraud on it that the credit card company refused to take in to account. 

They have filed a court case without any written notice that they were attempting to collect a debt, and have a debt that is already in dispute, and that ultimately the credit card company charged off because of the dispute.
Consumer complaint received 2017-09-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (WV)

I paid off my auto loan and can not get the title. 
My problem is with ALLY bank/Auto They claim they sent it and I should get it within 7 to 10 days Today is the 10th day and I received my mail and NO TITLE! 

They need to fix the problem and pay for the fix I must do on my end They charge finance daily charges, why ca n't I charge for getting it late? 

I paid the loan off in good faith I want my problem fixed in good faith! 

Bought truck on XX/XX/XXXX {$450000.00} paid off truck XX/XX/XXXX
Consumer complaint received 2023-01-19
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. (NJ)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

When I returned a rental car to XXXX on XX/XX/2021 in XXXX, XXXX, they claimed there was new damage to the car. I disputed that with them at the time. They claimed damage of {$450.00} I filed a complaint with my XXXX  card issuer, Capital One, stating XXXX  claim was incorrect and denying I caused any damage to the car. 

From speaking with a representative at Capital One, I learned that XXXX  acts as an intermediary between the merchant ( XXXX ) and the card issuer ( CapitalOne ). Capital One contacted XXXX through XXXX XXXX and relayed my claim. XXXX reported back to directly to XXXX   that I acknowledged the damage at the time I returned the car. This is not true. In fact I completed a form denying any responsibility for what they claim to be new damage. ( I should note that the car had numerous scratches, scraped and minor dents all over the car ). 

Capital One told me there was nothing I could do since the determination was made by XXXX  and that there was no way for me to speak directly to XXXX  about the dispute. I have since closed the account, but penalties continue to accrue on the claimed balance owed. 

Is there anything CFPB can do to help me resolve this issue? 

Thank you-
Consumer complaint received 2021-04-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (MN)

I have been approved for a SBA Loan and this has been since XX/XX/2020. The process to receive the funds is extremely slow but I have all the correct documentation needed for the Small Business Administration to release the funds. I was having the loan funds deposited into my online XXXX account but the SBA isn't recognizing that institution so they told me that a Chase bank account could be used to receive the funds. I open up the Chase account and now the SBA wants the bank to provide a letter with my account number. routing number and social security number used to open my account with Chase bank. For some odd reason that seems to be a hint of discrimination. Chase bank is not willing to provide me a letter with this information so that I can scan it, upload it and send it to my loan specialist for SBA who is named : XXXX XXXX Attorney Advisor Office of XXXX XXXX  U.S. Small Business Administration ( XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-10
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. (TX)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2017-12-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Gitsit Solutions, LLC. (NY)

My XXXX XXXX was sold, " all cash. '' sale. 
Closing was scheduled for XX/XX/XXXX. As of today, Wed. XX/XX/XXXX, we still have not closed. Not closed because XXXX XXXX XXXX has delayed providing the proper documentation necessary for the closing. In addition, Kondaur rep. has not responded to my attorney 's requests in a timely manner - My original mortgage/loan servicer was XXXX since XX/XX/XXXX.  Unfortunately, at the time of the sale of my co-op, XXXX sold my mortgage/loan. 

I am relocating to XXXX, Ohio. I would like to get there while my XXXX-year-old Mom is still on this earth.... 
This untimely delay has caused me additional unexpected financial problems, and much mental distress. 
Please help!
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (TX)

According to the amended law Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) SEC. 4021. CREDIT PROTECTION DURING COVID19. States that you shall report the account as current the program regulations states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Finance System of Richmond, Inc. (CA)

Finance Systems of Richmond is still reporting a collection account and balance on my credit reports even though they agreed to remove it fully from my reports for a settlement in the amount of {$240.00} which was 50 % of they amount they claimed I owed. I dispute that I even owed the debt, but was advised to offer a settlement in return for the deletion of the collection from my reports as the quickest way to resolve the issue.

Finance Systems of Richmond has cashed the settlement check, but not honored their agreement to remove the account fully from my credit reports.
Consumer complaint received 2020-11-30
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: Experian Information Solutions Inc. (TX)

FCRA Violation XXXX WHY is there another address added that I've never listed or live at? .pdf <<<<<<< WHY IS MY ADDRESS NOT CORRECTED TO MY CORRECT ADDRESS? FCRA VIOLATION. FTC VIOLATION PAST 45 DAYS. 
XXXX  XXXX XXXX XXXX FCRA violation. {$1500.00} per violation. Where is the data on experian. How was this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XXXX experian? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XXXX experian? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XXXX experian? XXXX XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XXXX? <<<<<<< XXXX XXXX FCRA violation. {$1500.00} per violation. Where is the data on experian. How was this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. <<<<<<<< XXXX XXXX XXXX XXXX XXXX, NEVER LATE, FCRA Violation, why is this not verified accurately experian? <<<<<<<<
Consumer complaint received 2020-07-04
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (CA)

The company has incorrectly reported late payments for months of XXXX, XXXX, XX/XX/2018 even though the payments were done on time. The company claims there was no payment in XX/XX/2018, and so the XXXX payment was credited to XXXX, XXXX payment to XXXX, XXXX payment to XXXX, and so on. I have shown my bank statement as proof of mortgage payment and cash transfer to XXXX XXXX, the mortgage transferee. The company has ignored this proof and claims XXXX has no record of the payment.
Consumer complaint received 2020-11-30
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. (CA)

On XX/XX/2020 I sent letters about incorrect and inaccurate information reporting to my credit report. I have yet to receive any information about these items I requested be investigated. At this point and time I feel that I am being taken advantage of and my disputes and are being ignored. I have done everything on my end to work with the credit bureaus to get this resolved and still nothing has been done. Section 611 ( a ) states failure to investigate these items within 30 days gives reason for those items to be immediately deleted from my credit report promptly. Ive been a victim of identity theft and have also sent them the FTC report and being a victim of the Equifax data breach, so I demand these accounts be deleted from my credit report while I am filing litigation for the stress and negative impact this has had on my life.
Consumer complaint received 2022-04-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

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. Portfolio RC has violated my rights 15 USC. 1681 section 602 A. I have rights to privacy.

15 USC 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions.
Consumer complaint received 2020-11-30
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, NISSAN MOTOR ACCEPTANC add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

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.