davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IN)

I received an automated phone call from Coinbase asking if I was trying to withdrawal {$500.00} from my account. I instructed the automated call I was not trying to remove the {$500.00} and I input the security code that was sent to my phone via text. The automated call was unable to process this. The phone called me back three more times where I attempted to input I was not trying withdrawal funds from my account. When I returned home shortly after the calls I logged into my Coinbase account and noticed my balance which was near {$700.00} previously was now approximately {$66.00} with a major withdrawal taking place recently. I contacted support and they were able to verify someone made this large withdrawal but they were unable to tell who made the transaction or where the money went. The company locked the account and then escalated the issue for research. A few hours later Coinbase said there were approx. XXXX transactions in their system where someone over the course of a few minutes transferred out {$4.00} each time. This occurred non-stop and their system never trigged this abnormal transaction to their security. The Coinbase account in question has not been used in nearly four months. They then said someone was able to convert frunds from one type of crypto currency into another type and then transfer them out of the system but have no records or identification of who. I later looked at my bank account because it is connected to Coinbase and noticed someone tried to remove {$1000.00} and transfer it to Coinbase. I spoke with my bank and alerted them to the Fraud. They have put a temporary credit on the {$1000.00} pending the investigation. Coinbase refuses to replace the stolen funds due to their lack of security. I work in financial services and a company that can not protect consumers money either in the account at Coinbase or at outside financial institutions should not be allowed to market to the general public on such a large scale. I placed my trust in their company to protect not only my funds with he company but my funds at my outside bank. It is unbelievable the federal government will allow a company to handle consumers money and not have the ability to know where funds went and how. If I were to transfer money from the institution I work for or at a bank this would be traceable and would be unlikely to happen. The date of this situation was XX/XX/2022 and amounts to roughly $ XXXX.
Consumer complaint received 2021-06-24
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. (NY)

I am a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2020-07-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE (MI)

Trying to apply for an XXXX  through XXXX XXXX XXXX, my current mortgage company and they are requesting things that are not required under the XXXX programs for Vetran. Shouldn't financial institutions be required to follow the guidelines set down by VA? In order to be able to offer these type of loan?
Consumer complaint received 2018-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

On XX/XX/2017 someone used my information to get XXXX. In the year 2017 I have lost my wallet and had to regain everything back. It shows on my credit that there's a balance of XXXX owed to XXXX. Please removed from my credit that is effecting me very much.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Discover Card Corporate Office Headquarters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Discover On XXXX applied for The Discover Card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2022-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (TN)

In the XXXX XXXX at XXXX XXXX XXXX, we did NOT sign the clauses agreeing to pay any expenses beyond what insurance pays. We are only liable for what insurance has already paid XXXX XXXX XXXX. 

Even knowing this, XXXX hired Medicredit , Inc. debt collector to hound us. I talked to Medicredit asking them to provide proof of debt. I received a letter in the mail yesterday simply saying that " Medicredit , Inc. determined that the balance on the account is accurate and is your responsibility. '' I just called them and spoke to " XXXX '' and informed them that this letter is not proof of debt. I requested for a XXXX time that they provide the document I signed agreeing to pay any expenses BEYOND what insurance pays. They said they don't have access to those documents. Of course, they can't provide it anyway because I did NOT sign those clauses in the ER docs. 

When I suggested that I'll need to escalate this to the CFPB, she immediately hung up on me.
Consumer complaint received 2022-08-17
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-01-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MA)

Dear Freedom Mortgage ; Office of President XXXX XXXX ; I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX ; and XXXX & XX/XX/XXXX late when I was hospitalized with XXXX. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, being XXXX  with COVID, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-10-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

The attached collection never proved any right to collect a debt, which requires according to the Federal Trade Commission, Consumer Financial Protection Bureau and my rights under the Fair Debt Collection Practices Act not only a statement that the collection agency or debt buyer is trying to collect on a debt. but there must also be given to the consumer a sign off statement from the original showing documentation that the debt collector was assigned permission to collect a particular debt, but since the US Supreme Court decision on XXXX v. XXXX XXXX XXXX XXXX, there are hundreds of collection agencies now identifying themselves as debt buyers. This decision basically throws out my rights under the Fair Debt Collection Practices Act completely. There is a big problem with collection agencies now classifying themselves as debt buyers. The first problem is that almost all states are now requiring separate licensing for such a designation. Most debt collection agencies are avoiding that requirement nationwide. In addition, there must be a written statement from the original debtor showing proof of new ownership. A simple letters from a debt collector will not stand up in any state court. The attached collection/debt ownership is invalid based upon the fact that in most cases a collection agency can not show proof of assignment or new debt ownership. Almost all credit card ownership has been sold to securitized pooling agreements. This is factual which means one thing, how can the original procurer of a debt assign collections or new debt ownership without approval from the original securitized trust without buying the debt back itself. The simple math proves otherwise. This letter of the right to collect either on collection assigned rights or new debt ownership is invalid based upon the disconnect of rights. Accordingly, the collection is invalid and can not have validity unless its given back to the original debt procurer. I am not disputing the obligation of debt. The collection agencies have already abused the XXXX decision causing billions in financial damages to the American consumer. This collection is in essence invalid and my file should be purged and any reference to a collection on my credit bureaus must be deleted permanently.
Consumer complaint received 2020-06-03
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. (PA)

XX/XX/XXXX, I have requested all three credit reporting agency reports via online sites as per PA AG explanation " Attorney General XXXX is alerting consumers that XXXX Equifax, and XXXX are providing free credit reports on a weekly basis to users until XX/XX/XXXX '' XXXX  download right away. Other two had the following errors : Equifax " Online Delivery Not Unavailableand XXXX  " Unable to complete your request! After several tries same problem with last two. 
Received XXXX  in mail and it has different information than XXXX  and still not received Equifax ( requested same day above ). 
Questions 1 How do these errors get on these reports in the first place? 
2. How do different errors get on different agency reports if same identity? 
3. What agency has oversight on these 3 and their mishandling of identity? 
4. Since I am presently handling identity theft issues, how do I get ALL my information out of all three since they have proven to be irresponsible and not accountable? 
5. Who's identity is on each agency 's report, Not correct information to be me. So please provide name of person, who gave you that wrong info, date of info.. etc so I can contact that business and find out cause or if another theft of my personal information.
Consumer complaint received 2018-07-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC (TX)

I received a collection notice by mail dated XX/XX/XXXX from XXXX XXXX XXXX XXXX. This letter stated that I owed a alleged debt of {$6400.00} that was purchased by XXXX XXXX XXXX XXXX. Please see attached documents. I mailed out A Debt Validation letter by certified mail to both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. USPS confirmed by tracking number that both letters were picked up from Post Office on XX/XX/XXXX. The original creditor for this account is XXXX XXXX XXXX alleged Date of service was XX/XX/XXXX. XXXX XXXX XXXX XXXX was added to my Credit Reports with XXXX, XXXX and XXXX the week of XX/XX/XXXX and company reported three accounts in total for the amount of {$2100.00}. All three accounts reported sum up to {$6400.00} the amount listed as being owed in Collection letter. Credit Reports also state all three accounts were open XX/XX/XXXX and they were last updated a XXXX XXXX. XXXX XXXX XXXX XXXX also reported the listed collections as being charged off in a XX/XX/XXXX. However XXXX XXXX XXXX previously reported all three same accounts with a opening date of XX/XX/XXXX. Accounts could not halve been charged off in XX/XX/XXXX as reported by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX have responded to my Debt Validation Letter they both received on XX/XX/XXXX. It sounds as if both Harvard and XXXX XXXX XXXX are Re-Aging all three alleged debts.
Consumer complaint received 2022-05-02
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. (TX)

There are inquiries on my credit report that i didnt authorize and i am so dissapointed because my information suppose to be protected at all times.. i have been contacting the cra 's quit sometimes now in no one is responding to my matter at all.. however i can proceed with court matters if this isnt resolved because the cra 's has already violated my rights 1. ignoring 2. running my credit when i didnt authorize 3. inaccuracies 4. motion distress..

i am requesting under section 15. US 1681 PER 609 PER 604 that these inquires remove that i didnt authorize nor given permission they have 24-72 hours to fix
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried multiple times to contact trans Union and get my account information fixed on balances deliquencies ect. and they keep sub tracting huge points like negative -77 at a time. they don't have my years of credit coreect. and yoyu can see a huge difference between XXXX   report compared to Trans Union. its not fair and I have worked diligently to improve my credit score.
Consumer complaint received 2022-05-02
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. (CA)

The Credit Bureaus stated my accounts was properly investigated but how is that possible if the open dates is inaccurate, the dates last active is inaccurate, and date last reported is not accurate. This ground for removal they aslo violated my rights under 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 withou my written instructions. 

Accounts listed below XXXX 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 2021-11-11
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: WELLS FARGO & COMPANY (MD)

I opened a dispute back in XX/XX/2021 regarding an airfare with XXXX XXXX. I obtained a temporary credit pending investigation. The airline company fought the dispute and won and so Wells Fargo billed me for the ticket and I had to go through XXXX XXXX refund process. To my surprise, XXXX XXXX is stating that my bank did a reverse charge back so I was already refunded yet Wells Fargo is saying that they did return the money into XXXX XXXX bank account so I should check with them. I have been going back and forth, asking Wells Fargo to help me dealing with the matter by showing proof that the money was indeed return to XXXX XXXX but to no avail. I have asked multiple times for the past 2 months and keep getting false promises that they will E-mail me the letter but they never do. XXXX XXXX is denying it and Wells Fargo is not convincing so who is not being truthful? I want my money back!
Consumer complaint received 2021-09-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Financial Guardian, Inc. (CA)

Initial Supposed debt : {$39000.00} XXXX  Have received 10 letters from the collection company, some are date almost a year later after our responses ( I have always responded to their letters requesting confirmation of debt, never have had them confirm the supposed debt )
Consumer complaint received 2018-03-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (ID)

I got a loan for XXXX from this company. They had pull ed two payments from my acct equaling XXXX plus dollars. You would think my loan would be down to roughly XXXX dollars left to pay but it wasn't, I called the company to get a balance and the balance was over XXXX due to " fees '' and outrageous interest 299 %. I know these kind of loan company 's have been getting shut down due to their fraudulent activities and ripping people off, making an agreement they know is impossible to paynoff in payments etc ...
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

this is not a duplicate complaint. the other one was for XX/XX/XXXXnot XXXX. XX/XX/XXXX and transunion they that they have information on my credit report of XXXX as past due {$60.00} 60 days and owe {$1100.00} when that was reported as fraud and XXXX fraud dept said removed that and then XX/XX/2020 find out they are reporting past due on my credit report. want the past due 60 days {$60.00} taken off right away and put the account to {$0.00} balance due. 
i tried to get this removed since it was fraud by fair act 604 but credit report company wont remove it so i want it fixed so its not past due. i will take this to court matters if this is not fixed and sue XXXX and the credit reporting companies XX/XX/XXXX and transunion that put this on my report for destroying my credit as it has ruined my credit in the last year with them putting this XXXX on my credit report as being 60 days late and i lost credit cards and got denied loans because of them putting this on my report as 60 days late when it was fraud. remove the {$60.00} and 60 days late off to fix this problem on my credit report so i can get a loan. i had perfect credit never late on none of my bills until XXXX destroyed my credit. Hackers have stolen data from thousands of XXXX customers in the US, the bank has confirmed. The breach exposed the names of customers, account numbers and contact information
Consumer complaint received 2022-05-02
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. (GA)

The credit bureaus did not conduct A proper " investigation '' according to the FCRA the term " Investigative Consumer Report '' means A consumer report or portion thereof in which information on A consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumers reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. None of the 3 Credit Bureaus ( XXXX, Transunion, XXXX ) did A thorough Consumer Report Investigation to insure all information is complete, accurate and verified. I have included documented proof of inaccurate account balance, account open date, account date last active and date last reported