davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I am an unhappy member as well as investor of Coinbase.com. 
I was being scammed out of a {$17.00} charge. Since all my other transfers were free or cost a matter of cents, I thought that I was reading the transfer incorrectly. Suddenly the charge by a Miner ( which I had no idea even took place, as there is nothing about Miner Assisted Transfer Charges  disclosed on Coinbase main site ). I thought I am being scammed!, what do I do?. Frantically I searched the site, and found that I could only temporary block my account, this was the only recourse. Well, the charge went through, I was blocked out of my own account with Coinbase. After sending many, many, many emails, just coming up past 1 month now, I am still barred. 

I have sent direct emails, however soon after, the emails were not received, even a message saying customer service would not respond? I was kind, then a little mad, then back to being kind, in my communication. Nothing! Not a robot, nor human has made effort to contact me. I watched the recent purchase of funds actually go through my linked bank account, weeks later, after I issued a buy. It felt powerless, to see them take funds, that I had agreed on. I felt gullible, and am still unable to validate as to whether the funds are where they are proported to be [ in my wallet on the Coinbase Site ]. 

There was roughly {$550.00} USD. I had earned a little money in fact, at the time. I was planning on transferring when I had earned, prior to any dip. I actually foresaw the impending crash, just watching the news, and seeing other crypto currency wars taking place. I studied the markets for a good few weeks, prior to investing. I awaiting authentication, patiently. The process of ID validation took around a month. 

I had access to the account for less than two weeks. I lost money now, if the funds are even still there in Coinbase.com? My $ 500-550 is now down to 400 or less. The market did rebound. I woul like to transfer my funds out of Coinbase. I still have faith in crypto as a future investment, however the restrictions with trades make it hard to actually make a profit. I have now taken the long term approach to this short term volitilte process against my own better judgement or choice. 

I did not realize that this type of manipulation of the markets was indeed taking place.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I had to request disputes with Transunion twice. Transunion took. XXXX points off my score. XXXX  XXXX membership charge if someone needs to dispute the report.
Consumer complaint received 2019-03-06
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Collection Systems, Inc. (MO)

This company is violating the fcra by reporting incorrect information on my credit report. I am the victim of a shooting In which I was u able to attend school. I was told from appeals that I would be granted and balance refunded which did not happen. Instead as i have been healing up they have ruined my credit. The company shows I was refunded XXXX but is still charging that as part of the balance even though there should not be any balance. They never sent me any communication regarding this debt, they have cease communications on the file. They are violating my rights and will be sued In federal court.
Consumer complaint received 2019-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central States Recovery, Inc. (KS)

Thank you for your recent contact dated : XX/XX/XXXX2019. 

I wrote to you on XX/XX/XXXX 2019, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Consumer complaint received 2019-03-06
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. (FL)

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX BANK opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX.
Consumer complaint received 2021-07-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MD)

Settlement amount was agreed upon & paid. 
Lawfirm assured me that a satisfaction of judgment would promptly be filed with the court. 
It's been almost a month since the payment was made. Judgment still remains. Attempted to telephone Stillman Law Firm but was unable to speak with a representative due to heavy call volume.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX are not deleting the negatives out of my credit report as on XXXX XXXX. 
On XXXX XXXX I spoke with XXXX Account Vice President and finalize a XXXX   XXXX XXXX Visa Debit payment of {$440.00}. 

I will implement the explaination by email to CFPB of XXXX XXXX on conversation with XXXX.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP (SC)

Republic Finance posted the payoff of this account, which was a check from my credit union, the day after the payment was received. Ultimately, this resulted in a 30 day late payment, which was the only payment ever reflected as 30 days or greater on this account. This is a blemish on my credit report, and it limits the availability of credit to me or the interest rate of credit available to me. In an attempt to resolve this, I called Republic a few months ago, and they stood firm.
Consumer complaint received 2021-07-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WLCC (HI)

I received a voicemail from my employer about a request for a fax number so that Apex could fax over a garnishment order. There was no other information nor did the person claiming to be from Apex leave a contact number. 

All of my obligations have been taken care of or in the process of being taken care of. I would like this action and their communication with either myself and my employer to cease and decease immediately.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX  are not deleting the negatives out of my credit report as on XX/XX/2019 
OnXX/XX/2019 I spoke with XXXX Account Vice President and finalize a XXXX  XXXX XXXX Visa Debit payment of {$440.00}. 

I will implement the explaination by email to CFPB of XX/XX/2019on conversation with XXXX.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX I entered an agreement with CapitalOne on my credit card ending in XXXX through its collection agent XXXX XXXX. Prior to a dismissed Chapter  XXXX bankruptcy, my account was in good standing. After the Chapter XXXX was dismissed, I tried to resume payments but was told the account had been charged-off. I agreed to a settlement of {$1500.00} making 6 payments of {$250.00} to satisfy the account. I was told I could call back and re-negotiate the agreement after a few successful payments. I called back on XX/XX/XXXX and ask to re-negotiate the agreement to {$1000.00} due to financial issues which was a direct result of COVID-19. I earn income as a XXXX XXXX XXXX  and a XXXX XXXX for XXXX ; as you are aware all institutions of education were impacted. I shared this information with XXXX XXXX ; at that time Capital One took over the account. I paid the {$1000.00} based on the re-negotiated request in XX/XX/XXXX. None of the payments made were reported to the Credit Bureaus. I spoke with the representative XXXX XXXX at XXXX on XX/XX/XXXX regarding this account and I was told again that the account is not longer with their offices - I would have to reach out to Capital One. I called Capital One at XXXX and spoke with XXXX, Agent # XXXX on XX/XX/XXXX. After discussing the issue with XXXX, he stated the XX/XX/XXXX agreement was no longer an option and the {$1000.00} settlement agreement was denied and I would have to enter into a new agreement based on the current balance of {$2500.00}. XXXX indicated he would have to speak with his superiors regarding an acceptable amount - I was told $ XXXX was required to satisfy the account. This is {$1100.00} over the initial agreement and it appears Capital One is trying to collect 2-3x more on the account as we all know the charge-off ( bad debt ) was transferred or sold to a collection agency for pennies on the dollar and then reinstated to collect from me again. Not to mention, Capital One filed this charge-off as a loss on its balance ledger to the IRS. This is causing an adverse effect with my federal employer and my clearance which is a requirement for my continued employment and an extreme hardship to my credit report. I have since been extended new opportunities from CapitalOne and all accounts are in good standing.
Consumer complaint received 2017-09-14
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. (NJ)

Equifax was breached by hackers and my personal information has been compromised putting me at serious risk of having my identity stolen along with 143 million other Americans. This personal information includes my name, birthday, address, social security # & driver 's license. It is important to keep in mind this is a company who I have never given consent to track or keep my personal information. The company failed to report the hack for months and to date has failed to contact me directly about the security breach and the risk to poses to me. I have had to take time-consuming ( and potentially costly ) measures to provide at least some level of protection for the company 's gross negligence. Their response has been completely inadequate. They need to do much more to make things right and I hope they learn from this experience and laws are passed to impose regulations to prevent this happening in the future.
Consumer complaint received 2019-03-06
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. (PA)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft : Company or Organization : XXXX XXXX XXXX XXXX Account # XXXX Amount : {$9400.00} Date Opened XX/XX/XXXX Company or Organization : XXXX XXXX XXXX XXXXXXXX Account # XXXX Amount : {$470.00} Date Opened XX/XX/XXXX Company or Organization : XXXX XXXX, Account # XXXX Amount : {$310.00} Date Opened XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishes of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Sincerely, Enclosures : Identity Theft Report Proof of identity : a copy of my drivers license/other government-issued identification card/other Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2019-03-06
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. (PA)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft : Company or Organization : XXXX XXXX XXXX XXXX Account # XXXX Amount : {$9400.00} Date Opened XX/XX/XXXX Company or Organization : XXXX  XXXX XXXX XXXX Account # XXXX Amount : {$470.00} Date Opened XX/XX/XXXX Company or Organization : XXXX XXXX, Account # XXXX Amount : {$310.00} Date Opened XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishes of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, Enclosures : Identity Theft Report Proof of identity : a copy of my drivers license/other government-issued identification card/other Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have issued a factual complaint and the reporting agencies responded that the information has been verified as accurate. However, I am highly doubtful that any investigation occurred because my report is filled with lots of inaccuracies across all three reporting agencies.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SD)

I initially applied to Equifax in XXXX to have a credit freeze placed on my credit file. In XXXX I requested and was given a replacement PIN for the freeze. In XXXX of XXXX I applied for a car loan but they couldn't access my credit file because of the freeze. I decided to have the freeze removed but could not immediately access my records with the PIN number needed to lift the freeze so I financed the car privately. 
Today I called Equifax, with documentation in hand, including the PIN, to request the freeze be lifted. Although I have a letter from Equifax dated XX/XX/XXXX which provides the replacement PIN and which references the original credit freeze date of XX/XX/XXXX, today XX/XX/XXXX Equifax tells me I have no credit freeze on my account. In my conversations with Equifax agents " XXXX '' and her supervisor " XXXX '' I was told I have no credit freeze, I never had a credit freeze, I did have a credit freeze, they don't know how or why the freeze was removed, the reason the car dealership couldn't access my credit must be a problem on the dealership 's end, Equifax no longer uses the PIN system and that is why they can't access any record of the freeze. They also refused to send verification that there is currently no freeze on my file. 

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Consumer complaint received 2018-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I lost my bank card and someone found it and racked XXXX dollars on it out in XXXX CA . I barely get buy on my social security check which is XXXX a month. I repeatedly have been lied to giving the run around. I talked to an executive named XXXX numerous times got nothing but the runaround. I 'm XXXX in my account. They will not help me. I advised her and a lady at Chase bank about Federal Consumer protection law Reg. E section 205.6 since I reported it with in the 2 day period. Lady at bank laughed said we can do what we see fit. The executive XXXX confirmed this with me on a phone call, but will not do nothing about it. I 'm bout to loose my home, car ca n't afford to even feed my kids. I 'm in desperate need of help!! Please
Consumer complaint received 2023-01-09
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)

Hi I'm XXXX XXXX I'm a consumer summiting a complaint as a victim of identity theft. Experian, XXXX. has used and abused my personal information by furnishing my Non public information to other companies. This sharing of my personal information was not disclosed to me in writing. My right to privacy as been violated under the Gramm Leach Bliley Act of 1999. These violation need to be addressed As soon as possible as it has resulted in me being victim of identify theft. I demand all stated accounts be removed from my credit report with in the next 4 days as stated in law under under 15 U.S. Code 1681C-2 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 2017-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (HI)

In XXXX, I opened an account with XXXX. Due to their complete data outage and my relocation to an area with already spotty service, conditions in the original contract were not able to be upheld, I decided to terminate within my rights. I was advised by a XXXX service representative that due to my status as an XXXX XXXX Military member and my protections under the Service Members Relief Act that I would not have to pay a termination fee. In XXXX, a collection agency attempted to collect on the {$260.00} that was waived 4 years prior by XXXX. I filed complaints and disputed the charge and it was dropped for a period of time. Every 2-3 years, another collection company would try to collect on this invalid debt, posting it as a newer charge/account which is entirely against provisions in the Fair Debt Collection Practices Act. Credence Resource Management has also failed to adhere to the provisions set forth in the Fair Debt Collection Practices Act by failing to notify me of the collection in writing. According to the Fair Debt Collection Practices Act, Credence Resource Management must tell a debtor : 1 ) the amount of the debt, 2 ) the name of the creditor, 3 ) the fact that unless the consumer disputes the validity of the debt within 30 days, the debt will be considered valid, and 4 )  that the consumer can ask for verification of the debt. I never received any type of notification from this company, in fact, I was never given any type of notice after I had already filed other disputes that were settled in my favor through the CFPB [ Case number : XXXX ] and through the individual credit reporting agencies. Credence Resource Management has also posted this collection as a new charge/account to the credit agencies, even though the original debt is now passed the State statute of limitations.
Consumer complaint received 2017-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (AR)

There is a collection attempt on my XXXX credit report that has just come up from cfsi/ a.k.a. Commonwealth financial systems opened on XXXX XXXX the amount is $ XXXX.The original creditor is XXXX XXXX XXXX. Someone has stolen my identity. I have absolutely no knowledge of this creditor or account and because of this I will be placing life lock on my account. It seems there should be more done on the part of the credit reporting agency to stop identity theft. Please remove this fraudulent charge from my credit report.