davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (PA)

Very poor handling of compromised accounts. My account was compromised and I immediately took action to block the account when notified by text. 

Txn 1 Date XX/XX/2021 {$2500.00} Txn 2 Date XX/XX/2021 {$2500.00} Nonetheless Coinbase allowed unapproved purchases to go through and get transferred out of my account. I did not even have that much in the account to buy anything. I had maybe {$500.00}. 

My bank rejected the request to transfer the money so the bank acted responsibly. Coinbase DID NOT. They still want to hold me accountable for purchase that I did not authorize.

Coinbase is absolving themselves of responsibility since it is digital and they have no way to trace. This is a weak excuse and frankly poor business practice. 

At this point I simply want to close my coinbase account and never deal with them again.

I can only imagine others have had similar issue.

See below for message I received from Coinbase. 

Thanks in advance for assistance. 

Regards, XXXX XXXX Here was message I received from Coinbase when I asked to close my account. I find this to be unacceptable since I did not have enough money in my account to do these purchases and as soon as I received message of invalid activity I reported my account as compromised. 



We are unable to close your account due to reversed transactions with your bank and an outstanding balance owed to Coinbase. We understand that your account may have been compromised and unauthorized activity occurred.

Customers are responsible for the security of their devices and passwords used to access their email and Coinbase account, and as such are responsible for any activity that occurs when those devices or passwords are compromised. Please visit our security page for more information : https : XXXX We do recognize the difficult position this puts you in. However, this does not change the current status of the account. We can not reimburse or credit for this outstanding balance owed to Coinbase because once digital currency is purchased or sent off the platform, we do not have a way to reverse these transactions.

Please note : In order for Coinbase to delete your account or consider restoring the purchasing ability for your Coinbase account in the future, you will need to first resolve the outstanding balance owed to Coinbase.
Consumer complaint received 2017-09-18
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: EQUIFAX, INC. (KS)

All three major credit bureaus ' have illegally hoarded, conveyed my personal information for profit for their business. These bureaus ' have portrayed to be a government entity but are mere business private corporations, like walmart and other businesses. Without this consumers expressed or written consent pursuant the 1974 Privacy Act, all 3 bureaus ' violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways and practices. According to the Fair Debt Collections Practices Act, all bureaus ' maliciously and collectively shared this consumers personal information to make trillions of dollars by selling it ( information ) to various debt collectors, employers, financial institutions, and many others. Just to name a ew. The Federal Trade Commission is to demand on my ( the consumers ) behalf that all 3 credit bureaus ' remove all of this consumers social security number, date of birth, financial accounts, credit/debit card numbers/ address old and new/ health /medical history, and all sensitive information, collected on this consumer. all 3 bureaus ae now in question for reporting fraudulent information to disgrace the consumer, blocking the pursuit of happiness. Bill of right violation. Consumer wishes for damages of XXXX XXXX dollars ( preferably in Gold ) from each bureau for their treasonous deeds and all will be forgiven. Consumer would like to also thank the CFPB for protecting this consumers personal, family and household.
Consumer complaint received 2021-08-16
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: Bread Financial Holdings, Inc. (PA)

The 3 Credit Bureaus are reporting inaccurate information on CCB/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (VA)

i filled a complaint that is recently new the number is XXXX this debt was not mine as you read the letter this is way pass statue of limitation beside that the debt was sold off back in XXXX that was closed!!! 
the number is XXXX COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX XXXX XXXX Incorrect information on your report AMERICAN EXPRESS XX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed Company responded Closed with non-monetary relief
Consumer complaint received 2021-08-16
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: Bread Financial Holdings, Inc. (PA)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CCB/ZALES. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I received a notification through my credit monitoring service that my Equifax scored had dropped XXXX points. I checked my report and saw no negative chnages to my report. In fact my balances had decreased and I have no new inquiries. I called Equifax on XX/XX/XXXX and was told that there were no changes for my score to drop that much. Then I was asked if I had recently submitted a dispute and I said that I had. The rep I spoke to told me that disputing an item can drop my score. I was not aware that as a consumer I would be penalized for disputing an error on my report. The customer service rep could not give me additional information regarding this. My call was recorded by them and it can be referenced as proof that this is the reason why my scores dropped so much.
Consumer complaint received 2017-12-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

My savings account charges {$5.00} fee per month, if my balance is below {$300.00}. I can only afford to save $ 10-20/month. 

My income is low, so its going to be awhile before I can get my balance above {$300.00}. 

This is the Way 2 Save plan at WellsFargo.
Consumer complaint received 2019-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (PA)

On XX/XX/2019, I received a collections letter from Allied Collection Services , Inc., to collect on an account from XXXX with a total balance due listing {$4400.00}. On that day, I also confirmed that they reported the overdue balance to XXXX and XXXX credit reporting agencies, and it's showing up as a derogatory account on both reports. I have never held nor do I currently hold an account through XXXX. Per the suggestion of the FTC IdentityTheft.gov site, I sent a certified letter to the collections agency reporting the fraud and including the required documents ( delivery confirmed on XX/XX/2019 ). As of today, Saturday, XX/XX/2019, I haven't received a response from the collections agency via mail, email, or telephone with documentation of the account nor is there any indication that they have begun the process of removing the account from either or both credit reports.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (NC)

**This is my 3rd complaint filed against Ford Motor credit in 2 years. Both complaints have ended with a promise to resolve the issue. The issue is resolved, and then is reported in correctly again. This issue has caused my score to plummet, has cause multiple denials of loans, and most recently a new mortgage. XXXX My account with Ford Motor Credit, XXXX, was closed and paid in full 4 years ago. For years Ford Reported a charge off/ repossession on the car based on the insurance not making the payoff in time, AND misapplying the payment internally. 

This has plagued me for years. 

In XXXX, 2019 I was written a letter " XXXX XXXX '' an executive analyst, stating that although we disagree on the issue with the payment, that the XXXX that caused the charge off would be removed, and the account would be changed to a positive payment history, XXXX balance, an all notes of charge offs removed. 

I have had to reach out to them multiple times because the charge off seems to randomly re-report on my credit. 

Now, almost a year later, I have contacted by a mortgage company and informed that Ford Motor has reported a CO indicator exception on the XX/XX/2019 payment. This is showing on XXXX. Being less that a year ago, it has dropped my score drastically. Not only did this happen, their phones state they can't take calls because of COVID, and when I disputed it with XXXX, they verified that the XX/XX/2019 CO indicator was correct. This brought the CO to be fresh data, and dropped my SCORE AGAIN. Also ... this account has been closed for a very long time, not XX/XX/2019. If it was a mistake, ok, its the 3rd. But to verify the CO again? 

I have 2 letters from 2 people at Ford guaranteeing this was taken care of. And here we are.
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 — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-11-04
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 — Investigation took more than 30 days
Company: Holloway Credit Solutions (DC)

I sent letter to request investigation into account. It has been more that 60 days and I have not received any results back. I understand that the credit bureaus have been given an additional 15 days to reply which that time as exhausted as well.
Consumer complaint received 2019-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/XXXX, I made a purchase at Lowes that cost {$7500.00}. My Lowe 's agreement that my interest rate would be XXXX for 84 months. In XX/XX/XXXX, they added all of the interest from XXXX which caused them to over draft my account and raised my interest and monthly payments through the roof. I call Synchrony Bank and Lowe 's and whom ever entered my bill did it wrong. I made several attempts to get them to fix it. They default on their contract and holding me responsible for their mistakes. They fixed some of the problems, but said I was responsible for over {$600.00} interest fee and as today 's date other fees. They have turn this over to a debt collector ( XXXX XXXX XXXX ) and I refuse to pay it b/c I did nothing wrong and the company is making this my fault. Before this mess, I had great credit and always paid this bill on time
Consumer complaint received 2023-01-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (CA)

I leased the new XXXX XXXX XXXX on XX/XX/XXXX and returned it on XX/XX/XXXX after struggling to return the car at the end of its lease, as nearby XXXX dealers refused to accept any Fuel Cell car ( XXXX ). I then bought the new XXXX XXXX XXXX on XX/XX/XXXX. As per XXXX 's loyalty offer, the end of lease vehicle return fee and excess wear fee ( which can be up to {$500.00} ) was to be waived as I bought a new XXXX car. Although the end of lease return fee was waived, I was billed for {$230.00} for excess wear. After receiving the bill from Hyundai Finance, I reached out to them explaining the whole situation, and the representative in each call assured that it would be fixed and I wouldn't need to worry about the bill, but I received the same threatening bill again stating that it would be referred for collection if I failed to pay. The latest bill that I have received to date was on XXXX XXXX, and when I called Hyundai Finance in XXXX to pay the bill ( so that the bill would not be referred for collection ), the representative at Hyundai Finance stated that there was no outstanding so I wouldn't need to pay anything. On the following week, I again received a call from Hyundai Finance, claiming that I still owed Hyundai Finance {$230.00} and that it would be sent for collection if I failed to pay. So then I shared my conversation with a Hyundai Finance representative who confirmed that I don't have any outstanding bill to be paid and he would be sending the letter in this regard via email, which I never received. This time again, the representative confirmed that it was some internal fault and their request for waiving excess wear charges was not submitted properly in the system which she has now submitted and the account is clear now. 
The same day when I was checking my credit score, I found that my credit scored has been lowered to XXXX from around XXXX. This is the height of mismanaging the customer 's account leading to lowering my credit score. In this whole process I have gone through a lot of mental agony and pain and due to this act by Hyundai Finance I lost my mental peace which has also affected my day to day life. On part of Hyundai Finance, they repeatedly miss-managed my account and did not care to fix the fault in their system even after my requesting several times. Consumers ' trust will be compromised if these kinds of companies are let go without heavy penalties.
Consumer complaint received 2021-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have gone back and forth with the creditor but my reported information is not being reported accurately and to the fullest. information is being report differently among all CRAs which is a violation of Furnisher Rule 660.4 ( a )
Consumer complaint received 2019-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

Hello, I hope everything is well with you. 

The first week of XX/XX/XXXX, I had gotten in touch with Fifth Third Bank, I updated with them my bank accounts to make payments and had set up the Automatic Payment option. 
After hanging up the call I never worried about the account again, assuming everything was in order. 

This XX/XX/XXXX I checked my credit scores and came to find out that I had 3 missed payments! I couldn't believe it, I thought everything was alright. 

I had never received an email, text message or even a statement in the mail letting me know that this account was defaulting.
Consumer complaint received 2022-02-02
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. (GA)

I filed a complaint with the CFPB yesterday and in under a 24hrs Equifax is claiming to have conducted and investigation and response. They continue to allow INACURATE INFORAMTION ON MY CREDIT REPORT as a consumer I deserve to have a credit report that is 100 % accurate. Equifax is claiming that they will send me a letter in 60days. That is 60days of having an account that is inaccurate on my credit report. The worst part is Equifax have fair practice and procedures that they continue NOT to follow. I expect Equifax to delete the Consumer ADJ account OFF my credit report. 
At the VERY LEAST EQUIFAX need to show me the way that this account was verified! I don't believe they can because I DO NOT HAVE AN ACCOUNT WITH CONSUMER ADJ, never gave them the permission to access my credit report, never made ANY PATMENTS but Equifax allows them to continue to " update '' this false information. In order for a company to add an account to a credit report they have to send information to the bureaus I have disputed that information and have also submitted concrete evidence that this account is inaccurate and yet Equifax doesn't delete this information. When I have asked them to send me the information on how they have verified this information they have not let me know how it was even verified. If they are using information from a website that is not 100 % accurate it can not go on my credit report.
Consumer complaint received 2021-04-30
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 have two accounts with XXXX XXXX and they are reporting inaccurate late payments payments were deferred and should not be reporting late XXXX XXXX tells me to take it up with the bureaus while they bureaus tell me to take it up with XXXX XXXX I have been reaching out to both with no help I would like all late payments off my reports
Consumer complaint received 2017-09-18
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America is inaccurately furnishing information regarding account ending in XXXX to XXXX XXXX XXXX, in violation of the reporting requirements of the FCRA 623, and for which, they are responsible. 

Ive disputed this negative listing on multiple occasions and requested evidentiary documentation that substantiates the information they have furnished and its reporting. Bank of America has either refused to provide any documentation or they are unable to provide documentation proving the claim or the accuracy of the item. The negative listing remains inaccurate and not verified.
Consumer complaint received 2021-08-16
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: ALLY FINANCIAL INC. (NC)

I, XXXX XXXX have proof that Ally XXXX XXXX has violated my rights pursuant to XXXX XXXX d ) ( XXXX ). Ally Financial XXXX has reported highly delinquent information to the following credit reporting agencies. Ally Financial XXXX is in violation of XXXX usc XXXX XXXX h ). Pursuant to this title and subchapter, Ally Financial XXXX has unlawfully collected XXXX completed payments from myself, the consumer, and directly applied such payments to this debt from the date or XXXX XXXX, XXXX until XX/XX/XXXX. Ally Financial XXXX is in violation of XXXX usc XXXX ( d ), Ally Financial XXXX has contacted me multiple times in attempt to collect this alleged debt. XXXX usc XXXX XXXX d ) states that a debt collector XXXX not engage in any conduct with the natural consequence of which is to harass, oppress, or abuse any person in connection with the connection of a debt. Ally Financial XXXX compiled deceptive forms and furnished them and used them to create false belief that a person other than I, the consumer is participating in this alleged debt collection, when in fact such person is NOT so participating pursuant to XXXX usc XXXX ( j ) ( a ).
Consumer complaint received 2016-04-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (AZ)

I was XXXX of US Bank and when I left, in XXXX of last year, I received a letter advising me that if I took no action my account would be changed from a platinum account to XXXX with a lesser fee or no fee at all. Shortly after leaving i relocated to AZ and in the mess I forgot about my account. I received no communication written, or telephone until XXXX of this year, despite changing my address in XXXX when I moved. when I found out that my account had an approx XXXX dollars. I immediately went to the branch and explained the situation. After a few weeks of investigating by the local branch in Arizona we found out I left the bank with a balance of zero and in XXXX fees started to be assessed to my account. I was also informed that I would have to call the branch where the account was opened up as they would have to fix the problem. I was given the phone number and called the branch and spoke to a helpful person promised to call the back office and follow up with me that day. twenty minutes later I received a call back and I was told that the back office would not help me at all and I owed the full amount now over XXXX. I went to the local branch and paid the money but felt that I was treated bad, especially for being a XXXX and the fact that bank would not help me out even though i received no written letter or phone calls to be discracefull and then tell me I have to pay everything.