davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (TX)

Filed previous complaint with CFPB against coinbase for inability to access account. I had been locked out of my account for over 3 months. Previous complaint was resolved with ability to access my account restored. That ability lasted about two weeks and then access has been denied me again with coinbase requiring me to give proof of my identity which I did as requested. They were supposed to respond within 48-72 hours it has been over a week now and I still do not have access to my account. They have sent an email saying the case is closed. I still do not have access to my account as of XX/XX/2021.
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Consumer finance Protection Complaint against Bank of America about personal accounts of XXXX XXXX FACTS 1. Respondent Bank of America has a fraudulent charge with XXXX to Petitioner XXXX XXXX personal account under XXXX & XXXX. 
2. Respondent Bank of America has a fraudulent charge with XXXX to Petitioner XXXX XXXX Personal account under numberXXXX & XXXX for Respondent Bank of America has a fraudulent charge with XXXX to Petitioner XXXX XXXX account under number XXXX & XXXX. 

3. I was granted credit on approximate dated XX/XX/XXXX, and 4. Subsequently, on XX/XX/XXXX, it was a reversal, and they made me paid fraudulent fee charges. 
5. I have a claim number and first my claim number XXXX and claim number XXXX 6. I filed a reconsideration on fraud and overdraft on the reversal on my credit to overturn. 
7. I did provide the letter of reconsideration via fax to Respondent BOA.

8. Respondent BOA made a misrepresentation or made false indigenous 9. They ( BOA ) never receive Petitioner 's reconsideration was never by fax. 
10.

11. Still, I have argued with the Respondent BOA did in received the reconsideration letter.

12. On XX/XX/XXXX, I re-fax of letter of reconsideration to the Respondent BOA all over again, and then I follower-up Respondent BOA on XX/XX/XXXX. 
13. Customer Services Representative First name as XXXX, and her ID is # XXXX answer my response on XX/XX/XXXX, at XXXX XXXX  14. She confirmed on XX/XX/XXXX, that the Respondent BOA was received by fax. 
15. XXXX informs me that the Respondent BOA denied my reconsideration. 
16. Furthermore, when I spoke to her, she was unprofessional, discourteous, and provide rude treatment towards me.

17. At approximately time XXXX XXXX, I filed an oral complaint with another Customer Services. The Customer Services was male and took down my complaint, and she did not have the right, and I part own the Company because I have stock shares on the corporation. 
18. He provides me with case number XXXX.
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (GA)

From XXXX to XXXX of 2022, i filed a dispute XXXX and Equifax about the Unverified account XXXX  outsourcing account # XXXX. I have not received a response in over 30 days which is a violation of the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved.. Thank you
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (TX)

XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 XXXX In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-28
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. (LA)

My name is XXXX XXXX. I am submitting this complaint without any influence from any party or agency. Please see attachments/attached documents and ID as it contains my full complaint and request.
Consumer complaint received 2021-10-26
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: Experian Information Solutions Inc. (IL)

After reviewing my credit report, I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX My correct name is XXXX XXXX. Please remove these variations of my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current telephone number is : ( XXXX ) XXXX. Please remove these numbers that I have never belonged to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My correct social security number is : XXXX. Please remove SS # XXXX. I have never used this number. 

I am self employed and the name of my XXXX is XXXX by XXXX. XXXX remove the other variations : XXXX XXXX XXXX, XXXX XXXX, XXXX My correct address is XXXX XXXX XXXX, XXXX, IL XXXX. Please remove the addresses listed on my credit report I have never lived at or may belong to a relative. Please remove : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2021-10-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via debit card, and through XXXX named XXXX, XXXX, XXXX and XXXX in the total amount of XXXX USD utilizing Huntington National Bank services
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion continues to violate my consumer rights. TransUnion continues to report inaccurate bankruptcy information after they claimed to have verified it. On XX/XX/2022 I sent a letter requesting a RE-investigation and method of verification with the specific details of the investigation. I received a letter stating that they are not required to. It specifically states, " unless you have additional relevant information that supports the change you are requesting ( ie a letter from the creditor or courthouse etc ). They then list the court as the furnisher. This is why I believe TransUnion did not investigate my dispute and just discarded it. My original dispute including the letter from the court stating they did not furnish this inaccurate and unverified information to TransUnion or anyone else. XXXX XXXX XXXX, Chair of the House XXXX XXXX reported that the consumer reporting agencies are not fulfilling their obligations to the consumer or the CFPB in accordance to the FCRA as evidenced by insufficient investigations or accepting findings of furnishers without an independent investigation. My dispute is exactly XXXX of these examples. I am enclosing my letter I sent on XX/XX/2022, the false and misleading response from TransUnion, the letter from the court, a copy it showing on my consumer report, and my driver 's license as proper identification.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

I have been disputing XXXX XXXX with Experian for a long time. Now I have been requesting a copy of the contract, proving that is mine, and I am getting no responses they keep allowing XXXX XXXX to change their remarks back-and-forth.
Consumer complaint received 2022-04-28
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: NAVY FEDERAL CREDIT UNION (TX)

Product from. Bank. Not used or received.15usc XXXX  d abuse update secured savings balances and refunds of all transactions. XXXX  civil liability navy fed credit union is liable..15 usc 1605 truth in lending violations. 15 usc 1666a.b.c.d. treatments of credit balances.. 15 usc 1681 violations privacy act violations. Accounts ending 1665. And all transactions from last 4. 4114.last 4 ending refund demand from all transactions.. 1099 oid is requested and demanded on all accounts from checking accounts for tax purposes.
Consumer complaint received 2021-10-26
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: Resurgent Capital Services L.P. (GA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX  XXXX XX/XX/XXXX {$4000.00} XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$2800.00} LVNV Funding LLC XX/XX/XXXX {$800.00} XXXX XXXX  XX/XX/XXXX {$230.00} XXXX  XXXX XXXX XX/XX/XXXX {$1400.00} Hard Inquiries XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

Credit Collection Services, although I talked to them that I do not owe anything to XXXX insurance and XXXX knows it, they keep sending me letters and advice me to proof that I do not owe them anything. I do not know what else to to.
Consumer complaint received 2021-10-26
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: EQUIFAX, INC. (GA)

The information on my credit report is not correct. I don't know these account I didn't apply for any of them. I don't understand where is come from and why I see them. I think someone used my personal information
Consumer complaint received 2019-03-14
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (AZ)

CitiMortgage is in direct violation of the Fair Credit Reporting Act because they are reporting inaccurate information after I disputed it and had them verify the information that I knew was incorrect. 

I consulted with an FCRA attorney who said that I could possibly be entitled to compensation as a result of this verified inaccuracy. 

1. XXXX is reporting a monthly payment of {$400.00} which is impossible. How can I have a monthly payment when the account has a XXXX balance? 

2. XXXX has terms as 396 months where XXXX & XXXX have XXXX. 

3. XXXX list the status as derogatory, XXXX as paid, and XXXX as closed. How can the same account have 3 different statuses? 

4. The date last active and the date of late payment are different on each credit report as well. 

How can this information be verified and meet FCRA requirements when there is a clear violation going on here.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2021-10-26
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: Worth Finance Corporation (GA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX  XXXX XX/XX/XXXX {$4000.00} XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX  XX/XX/XXXX {$230.00} Worth finance Corp XX/XX/XXXX {$1400.00} Hard Inquiries XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXXXXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-06
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: CCS Financial Services, Inc. (MO)

Ccs collection was open on XX/XX/XXXX and I paid it off XX/XX/XXXX got a notification that my credit report took a XXXX for doing so. I dont believe I should be penalized the points for paying off the debt in full and would like the points on my credit report back if not more
Consumer complaint received 2022-04-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (MD)

I received a check in the mail for {$1200.00} i was unemployed and had filed for disability..the loan i could not repay not enough income. I was taken to court and a judgement was entered. Years later i find out they put a lien on my sisters property where i live. Upon request of the payoff amount they denied information due to corporate policy.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — Store credit 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 (AZ)

ON XX/XX/22 I WENT TO THE KOHL 'S STORE IN XXXX. I WAS MAKING A STANDARD PURCHASE. THE KOHL 'S EMPLOYEE VOIDED THE TRANSACTION 3 TIMES THAT DAY. TWO FOR {$6.00} AND ONE FOR {$160.00}. HERE IT IS XXXX/XXXX/XXXX  AND THE {$160.00} SHOWS PENDING. HOWEVER, WHEN I CALLED THE STORE MANDAGER AT KOHL 'S STORE IN XXXX AZ. ( XXXX ) HE ADVISED THE {$160.00} WAS VOIDED. THE BOTTOM LINE IS {$160.00} IS IN A JUGGERNUT AND NOBODY KNOWS HOW TO RECTIFY IT. SO THEY ARE NOT LETTING ME USE THE CARD FOR WHAT I SHOULD BE ABLE TO. I SHOULD HAVE {$170.00} ON THE CARD. THEY ARE CLAIMING I ONLY HAVE {$6.00}
Consumer complaint received 2018-12-09
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. (PA)

On XX/XX/2018, I noticed that there is an unrecognized account on my Equifax credit report. It shows that the account was open on XX/XX/2018. I have never opened this account and so I disputed online through Equifax website. Today I received a notice about my dispute that the account has not been removed from my credit report. 

The credit reporting agency didn't responsibly investigate the account. Later I know that this account was opened by a person who has a similar name with me in the same apartment building. However, he has a different apartment number as me. Equifax mistakenly matched his data with mine. Equifax 's investigation didn't find this and its system still mixed my file with the other 's.
Consumer complaint received 2022-01-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (NY)

Phoenix Financial Services is attempting to ask for payment for a debt that is not appropriately described. I do not know what the service they demand payment for is, and I can not fathom how they are allowed to attack my credit and good name with this slander.
Consumer complaint received 2022-11-16
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: Experian Information Solutions Inc. (DE)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.