davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc. (NC)

This issue is for believed fraudulent activity committed by Coinbase. There is a double charge on my checking account from Coinbase. On XX/XX/XXXX I bought {$500.00} dollars worth of Ethereum ( ETH, a cryptocurrency ) from Coinbase from my XXXX  Debit Card, linked to my Checking account, and the transaction went through no problem. I received my Ethereum. Today, XX/XX/XXXX an  UNAUTHORIZED {$500.00} was withdrawn from my Checking account by Coinbase. I did not buy any product from them. This withdrawal on XX/XX/XXXX was not authorized by me, and is NOT listed in my transaction history on Coinbase. I did not receive any product from Coinbase. I submitted a support ticket with Coinbase detailing this fraudulent activity. The support ticket is # XXXX, submitted around XXXX EST on XX/XX/XXXX. They have not responded to my support ticket or deposited the {$500.00} that they withdrew back to my checking account. Attached is my statement balance from my Checking account. I bank with XXXX XXXX  XXXX XXXX XXXX XXXX. I removed my Account Number from my attachment.
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NJ)

I deposited 5 Bitcoin ( approx. {$50000.00} USD equivalent ) and the payment is listed as " pending. '' I opened up an email ticket ( # XXXX ) and I have not yet received a reply. I tried calling the support line but it said they can not help with this type of issue by calling on the phone. I read numerous of reports of this same problem and they claim they have been waiting for weeks for a resolution.
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (PA)

I had purchased the following amounts from Coinbase on the following dates : XX/XX/XXXX one transaction for {$270.00} and one for {$220.00} for XXXX. These cleared on my bank account on the following dates : XX/XX/XXXX - {$270.00} XX/XX/XXXX - {$220.00} I was charged without my authorization and for NO product for the same amounts on the following dates which have cleared on my bank account and I have not been refunded : XX/XX/XXXX - {$270.00} XX/XX/XXXX - {$220.00} I included screenshots showing that I only made those transactions on XX/XX/XXXX as shown in the recent activity area.
Consumer complaint received 2021-07-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

XX/XX/2021 my credit report had a big discrepancy XXXX XXXX Equifax XXXX : XXXX How can there be a XXXX point score difference
Consumer complaint received 2021-07-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX this company called from XXXX, the lady left the name of XXXX she advised me to contact a number XXXX with a case file of CD XXXX. When I called the XXXX number the phone was picked up by a XXXX. This company has been repeatedly calling my phone number XXXX, and my parents phone number XXXX. I had previously spoken with a Mr. XXXX at this same number. They advised that I owed a balance from Citi Financial on a car note from well over 10 years ago. They advised the last payment was made some time in XXXX for XXXX, and that the balance was over XXXX owed and now with interest is over XXXX. This car was re-possesed over 10 years ago, and to my knowledge no payment was made in XXXX. This debt is not owed, they refused to remove any phone numbers whatsoever and told me they were XXXX not going to remove any numbers and to pay my XXXX bills. When they answer the phone, they just state legal department. They advised someone was coming to serve me at my home, and threatened to take me to court.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

About a month ago, I wrote to all three credit bureaus to let them know that there are three student loan accounts showing on my credit report which are not mine. I called XXXX and XXXX XXXX but they could not find any loan associated with my social security number -- and could not there allow me to dispute the information. I also called the XXXX XXXX XXXX and they too could not find any loans associated with ssn.

Since I never heard back from any of the three bureaus, I resent them letters requesting again that this inaccurate information be removed from my credit report. I am trying to obtain home financing and this incorrect information is stopping me from doing so.

Attached are letters sent to the three bureaus together with excerpts from my credit report.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

My correct Name is XXXX XXXX XXXX These names below are incorrect : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

I opened a new Business Checking Account in XX/XX/2021. I was promised a {$300.00} bonus for opening the account. I was told verbally by the person I opened the account with that to get the bonus I could do 5x ACH transactions. Now, after the date has passed, the bank is telling me that in fact only ACH credit transactions would count. They claim I was given a handout which indicates this, however, I received no such document. I want the bonus I was promised as I complied with the terms they told me in person. 

Chase provided some fake letter in response which I never received. In addition, on XXXX I spoke with their customer service, XXXX, tracking # XXXX who further confirmed to me that I was eligible and should have received the bonus. She also verbally told me ACH debit would count. Why am I being told one thing and then another. Chase must honor the terms that their employees have told me.
Consumer complaint received 2021-07-02
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. (VA)

I reached out several times on XX/XX/21 and XX/XX/21 and XX/XX/21. I've summited all required documents to them. and I get sent from one department to the other and nothing gets accomplished dealing with credit companies as a consumer is a wasted of people hard earned time. they need better knowledge teams working there. I have wrong information reporting on my credit file.
Consumer complaint received 2021-07-02
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: EQUIFAX, INC. (NY)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Over thirty d
ays ago, I wrote to each credit reporting agency ( XXXX, Equifax, & XXXX  ) indicating my dispute off information on my credit report on XX/XX/XXXX. A copy of the original letter accompanies this correspondence. as of today XX/XX/XXXX XXXX, Equifax, & XXXX  have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax , & XXXX  had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely.
Consumer complaint received 2018-02-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (CA)

i do not have any debts but continue to get calls from " XXXX and XXXX XXXX XXXX. '' it is always a recorded call with a message to call them. this morning when i picked up the phone i did not say " hello '' which is when the recording normally begins. Instead i said " yes, '' and the call terminated. I am very concerned that this will be used in some incriminating way.
Consumer complaint received 2021-07-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-09-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2021, ,Continued Issues,, And What Make These Old And New Issues Look Really BAD, ,They Knew About These Issues,, They Had Pleasant Time To Fix These Issues, ,So They Should Pay ( TIME ) ) And Years, ,So In Acceptable Behavior,,
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (OH)

XX/XX/2021 Was declined use of my Discover card at a gas station in XXXX, Ohio because I was over my credit limit. 

Pulled up my account online on my mobile phone and all transactions listed and posted do not exceed my credit line. 

Phoned Discover customer service and was on the phone for for a total of 1 hour and 23 minutes trying to resolve the problem.

The problem, they told me was that my account was being held for ( 4 ) transactions to XXXX of {$51.00} on XX/XX/XXXX. I claimed I did not approve those transactions and the transaction I did approve had already posted to my account on XX/XX/XXXX23rd of {$51.00}. I am not able to view these " held '' transactions on my online account and am wondering why I am being held accountable for them????? And now unable to use my card because of them when I clearly have the available credit. 
I insisted that a complaint be filed and after much persistence I had the Discover rep with an ID of XXXX and the complaint memo line # XXXX. 
I attempted to phone Discover again ... this time 36 minutes to see if the situation would end differently with another rep and had the same response. Pending transactions have 10 days to post and their is nothing they can do until a transaction posts. Except, they hold the consumer responsible for it by counting it against their credit limit! 

How can a credit card company hold you responsible for pending credit transactions for up to 10 days and when you are unable to access this information from your online account. Their customer service reps couldn't even see these pending transactions that they were holding against me!
Consumer complaint received 2021-07-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (AL)

ISSUE WITH HYUNDAI MOTOR FINANCE My banker at XXXXXXXX XXXX XXXX XXXX my lease balance XX/XX/XXXX after I sent an odometer statement on XX/XX/XXXX. I have not received the title. 

I contacted Hyundai Motor Finance in XX/XX/XXXX and numerous other times ( sorry, I had an email glitch that erased old emails I was saving ) before my banker got involved and contacted them numerous times via phone and email. 

They continue to tell me that they have not received my signed odometer statement, though I have emailed it to the address they requested and faxed it to the number they faxed. The latest instance happened today. I emailed them a signed odometer statement to the email address they listed.
Consumer complaint received 2021-07-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (PA)

My buyout for my lease is {$48000.00} and Ally bank is charging the dealership {$53000.00} to get out of the lease and into a new vehicle which is more than the balance of my contract. How is this legal?
Consumer complaint received 2021-07-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Conn's, Inc. (NV)

This started back XX/XX/2021. 

Tried to keep payments up. Asked to refinance. 

They stated they have sent it, no no they didn't. 

By email or mail. 

Then finally received paperwork XXXX in mail, sent back to an address which wasn't any good. 
XXXX XXXX XXXX XXXX, Tx XXXX. 
In the mean time sent payments is XXXX??. 
Stop sending payments in XXXX and XXXX. Will keep payments in a savings account until. They comply with a reasonable refinance. 

Now, refinance is no good because has gone. 

I am at my ends with this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, Tx XXXX
Consumer complaint received 2021-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MT)

When I contacted the company : regional finance company of New Mexico and Jefferson creditor capital systems, both companies told me they could not proceed with any further information because my name and birthdate did not match her Social Security number. It is my Social Security number! But, someone elses name and birthdate and address which is a PO Box in Arizona. I reside in Montana. The amount of the balance that is showing up on my credit is {$6300.00}. XXXX. My Social Security number was used without my knowledge. The debt owed is definitely not mine. I need help posting an alert to this fact.
Consumer complaint received 2022-08-22
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Items like a new employer added to my credit report, many auto inquiry were also done that I never placed or applied for. These were all mostly done XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Auto FINANCE XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: GFS II, LLC (OH)

I had problems with XXXX and XXXX at XXXX in regards to collection efforts and unfair practices. XXXX released private/confidential information on my mother 's voice mail box regarding my account. XXXX has been less than cooperative in assisting me with getting my account on track. I was making additional payment amounts higher than the regular payment. They don't go by month, they go by days and count payments bi-weekly versus monthly as most companies do. This company is like a pay day loan when it comes to auto loans. I wish I had known all of this prior to getting involved in this loan. I was pressured at the dealership and rushed to signing papers that I was unable to read quick enough ( dealership scheduled signing right before close and rushed me through ). I had no idea I was signing for bi-weekly payments. I thought the {$170.00} was a monthly payment which would be reasonable for the price, year, mileage, and value of the vehicle. Before I knew it was signed into bi-weekly payments of {$170.00} that I could not afford. We have had job losses ( other signer who drives the vehicle ) and they have acted as a payday loan on this loan. I believe the dealership ( XXXX XXXX ) and XXXX are tricking customers into signing into these unaffordable loans and then repossessing when the customer has already paid more than the vehicle is worth. This is where they are earning their money. They don't care about the customer keeping their vehicle. They are quick to repossess to earn more money. They repossessed the truck last night following my CFPB complaint last week on the breach of privacy and unfair collection practices last week. This should be considered and viewed as retaliation for my complaint as I even put in the complaint that I will be paying the loan on XX/XX/23 with my yearly bonus from my company. They were very swift in repossessing right after the complaint with no indication that they were going to do so.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (PA)

I received a notice from US Bank that a credit card was opened in my name on XX/XX/2021. They reported that it may have been a fraudulent account. I contacted them and they informed me that the account was closed on XX/XX/2021. An address in XXXX, PA was listed as " my '' address on the application, and this is not my correct address. I did not try to open this account. US Bank confirmed that the account was closed, and I contacted the credit bureaus to put a fraud alert on my account.
Consumer complaint received 2022-10-05
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. (NC)

In accordance with the fair credit reporting act. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX, Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX, Account # : XXXX XXXX5 USC 1681 section 602 A. states I have a right to privacy.

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

15 USC 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 7 years.

15 USC 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 2022-04-23
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. (NY)

On XX/XX/XXXX I disputed some false reporting accounts and inquiries on my credit report and to this day have heard no response it is well past the time I've had to wait and im seeking litigation immediately I need to have these accounts removed immediately.
Consumer complaint received 2018-10-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (KS)

I have a VA mortgage that I started in XX/XX/2005. When Wells Fargo took over the mortgage they added an additional 10 years onto our 30 year mortgage without approval or explanation. They say everything is legit but the real big question is why has our home loan not gone down since we have been paying on it for almost 13 years now? Question two ... ... why would we restructure our mortgage for the same payment every month at a longer limit without trying to get money out of it for home expenses? Why ... .I will tell you why ... .WELLS FARGO is a fraud and liar to its consumers and they do nothing but cheat honest Americans!
Consumer complaint received 2021-07-01
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. (PA)

Equifax has me locked out their credit reporting site because a XXXX didn't like my English and was just the rudest ca person I ever met. 

05 hard inquiries are put in as fraud or the customer service person did it on purpose. I wish I was lying but these XXXX are just rude and taught XXXX law not American law. 

They are taught to hang up on you and to say no matter what the FTC American laws. 

5 inquireys ruined my report. They are all fraud and had credit freeze on them. 

XXXX CREDIT CARD FROM 08 YEARS ago want come off credit report. I think the Indians from XXXX hate Americans and did this to XXXX me. Nothing I can do but sue, take to small claims court, or call Pattorney general of my state. 

Use a credit card should have been off my report a year ago. They are doing this to help businesses and not consumers. 
It was XXXX dollars and it was never showed by the end FTC laws that this was legal. Fcra laws tells exactly how the investigation section 604, 609, 611 and 623. These federal and state laws were not given the right investigation that people could go to jail. 


XXXX also says I was late 4 years ago and they have lied to the FTC and FAIR CREDIT REPORTING ACT. THEY NEED TO BE SUED AND GO TO JAIL. 



XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX