davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IL)

I had a XXXX dollar XXXX  investment hacked and stolen from my Coinbase account with no liable responsibility taken from Coinbase on XX/XX/XXXX that I was just made aware of on Thursday XX/XX/XXXX. That investment would be worth over {$4500.00} today. On XX/XX/XXXX, I received a phone call from a mimicked phone number of XXXX  claiming it was XXXX  needing to confirm information on my account due to failed attempts to log in to my account. I had tried logging into my account the day prior and forgot my password so I figured I had frozen my account and they were calling to confirm that their was no suspicious activity. They were sending me text message verifications that were coming up on my phone as texts sent from XXXX. All I did was confirm the text verifications from XXXX. I did not provide any password, social, DOB, etc to these individuals and proceeded to hang up shortly after the call. I had no reason to believe there was anything suspicious going on or anything that could compromise my account given I had not provided essential information that would lead to accessing the account. I was not made aware until XX/XX/XXXX when trying to log back into my account to sell the recently appreciated investment that I, 1. could not log in, and 2. someone with no association to my name made 3 transactions of moving my XXXX out of my account on XX/XX/XXXX. They had an alias name of XXXX XXXX XXXX and the IP address associated to the transactions was XXXX. I do not know how this would be possible given my name was under the title of the account, so there for I should be the only one allowed to make buy/sell/transfer transactions. I received no notification from Coinbase that any activity like this, especially such suspicious activity, was performed. I had no reason to wonder or check my account because I was invested for the long run and waiting for a large spike in value, which finally occurred last week around XX/XX/XXXX which caused me to check. Coinbase takes no responsibility for their lack of security, and will not replace or attempt to recover my stolen funds. I am a recent grad struggling to pay bills, especially during a pandemic, and could really use those funds right now.
Consumer complaint received 2020-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (LA)

This collection was paid I disputed the balance on my credit report. The original creditor could not validate the debt so the collection was deleted from my credit report. On XX/XX/20 I pulled my credit report and the account was updated by Enhanced Recovery Collections on XX/XX/20. I never received written notice or phone call about this collection.
Consumer complaint received 2020-05-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (NY)

Resurgent/XXXX XXXX/LVNV Funding have sent notices regarding an alleged debt. I have asked them to validate the debt, attempted to resolve the issue. Included are certified receipts dated XX/XX/XXXX and XX/XX/XXXX both signed by the company. Another certified letter was mailed on XX/XX/XXXX. The company has violated 15 USC 1692 sec.802, 803 and 807. Appearing to be an attorney by using the language " my client ''. Claiming to be the " creditor '' which does not coincide with its definition. Also the use of multiple names and addresses i.e LVNV, Resurgent and XXXX XXXX.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to file a formal complaint against Bank of America regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 
On XX/XX/2023, I notified Bank of America that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non0verbal, for the sharing of my nonpublic personal information with non- affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Bank of America has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This un-authorization sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this un-authorization sharing, including the potential for identity theft, fraud, or other financial harm. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Bank of America complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Bank of America. 
Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Consumer complaint received 2020-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Business Bureau (FL)

I had a XXXX  which I thought would be paid by insurance. Insurance did not cover it and then passed off to a collection company. I paid the collection company in full in XX/XX/2020 for {$120.00}. It was removed from my XXXX  Credit Report and XXXX. When I checked my credit on XX/XX/2020 there was an additional charge of {$29.00} added by MEDICAL BUSINESS BUREAU @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX. 

I spoke to XXXX on XX/XX/2020 at Medical Business Bureau and she said it was an employee error that caused the problem on my credit report because they did not settle the account properly.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credt Reporting act XXXX  Account 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 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-20
Product: Credit reporting 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. (NV)

Last XXXX  months inquiries and credit checks for credit cards have been run without my consent. I have not applied for anything. This is fraudulent activity. Already have police report submitted and FTC fraud complaint I sent to all XXXX bureaus and no resolution
Consumer complaint received 2021-08-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (CA)

XXXX XXXX XXXX approached us to offer a loan to help us catch up with things after we purchased our home we saved for 10 years to buy in XXXX. 

They had my wife sign a Power of Attorney and said they could help manage her intellectual property business. They had access about about $ XXXX. They offered a loan to help us catch up on expenses paid when purchasing XXXX XXXX XXXX and XXXX XXXX XXXX and for building a home there per the developers home buyer 's program.

We discovered they do not and did not have a lenders license. They had access to our funds and promised different terms on the loan than what we signed. After they paid themselves 6 points on the loan plus costs. They said default rate was 18 % and late fee 10 % per month. Balloon payment impossible to pay of $ XXXX after 12.5 months. They did not give us escrow documents. They since filed an unlawful detainer during COVID even though we have title to our home and owe them nothing. We discovered the attorney for XXXX is friends with XXXX XXXX XXXX ( whoi changed our FHA loan on our primary residence to a commercial line of credit without us signing anything? This is so crazy we should speak on the phone. We were evicted from our home of almost a decade on XX/XX/2021 XXXX County sheriffs would not look at our paperwork and the commissioner gave possession of our home to XXXX XXXX XXXX XXXX XXXX XXXX ( we can only find info on this person in an SEC ban ) we have never met him, a Delaware company XXXX XXXX doing business in California, but suspended at the time of the Summary Possession Judgement and 8 % to XXXX XXXX XXXX which is actually a fund that has a XXXX  described by XXXX XXXX, loan managed by FCI Servicing ( suspended in California ) and XXXX  XXXX XXXX. They always foreclose and always give the property to the fund manager. ( XXXX and many others ) They also go as XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX and more. If someone ever would bid on the predatory planned foreclosure sale, they keep the equity and do not even give that to the homeowner. XXXX XXXX XXXX was involved in XXXX foreclosures. XXXX County Commissioner XXXX is part of the fraud or ignorant and XXXX County Civil Sheriffs searched our home without a warrant. The same day my XXXX  year old dog died and XXXX  days before my birthday. We left in my XXXX year old yoga guru 's XXXX  year old XXXX  with my dog 's lifeless body. It was the worst day of my life. Our home looked perfect and we have been trying to be heard in court. But it is so difficult and sheriffs are on the lawyer 's side. We had been in hotels for a month, and kept thinking this had top be a misunderstanding. But the attorney for XXXX now represents the lot developer and took that back too, even though we paid all payments and had approved plans. So much more to tell. Please call of email. I can upload all of the documents.
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (CO)

My credit card from JPMorgan Chase was hacked, with nearly {$1000.00} charged illegally against it. The criminal accessed XXXX XXXX and charged electronics equipment. Chase send me a new card, but that card was hacked also, resulting in about {$600.00} more charged to XXXX XXXX ( I think this is an inside job, actually ). I no longer have any faith in JPMorgan Chase to run a secure environment, and cancelled my account. I want to pay my final bill, but can not access my account for the earlier card, and my current card has a XXXX  balance. I owe Chase about XXXX, but I want to make sure that there are no more fraudulent charges on the card before I pay it. The company wants to keep sending me more cards, and all I want to to see my statement, pay my final bill, and leave them. This is a company I have dealt with for 10+ years, with a spotless record, charging hundreds of thousands of business expenses over the years. I am afraid that my credit rating is going to be adversely affected by this company because I have not paid my bill. No one is working there during the Covid-19 pandemic, it would appear. -- XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Here 's a reworded version of your statement : Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 a, it is emphasized that consumer reporting agencies such as XXXX and Experian must exercise their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I am protected under 15 USC 6801, which states that financial institutions have an ongoing obligation to respect customer privacy and safeguard their nonpublic personal information. Moreover, 15 USC 1681 section 604 a section 2 states that consumer reporting agencies can only provide a consumer report with the explicit written consent of the consumer. I have not given my consent for the furnishing of this information to credit agencies such as XXXX and Experian. 

Furthermore, 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their right to request nondisclosure. The entity providing information to credit agencies did not inform me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in a consumer report without proper authorization. This information is being reported against the law. 

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is unlawful to furnish inaccurate consumer information to a consumer reporting agency. XXXX and Experian are failing to maintain reasonable procedures as required by 15 U.S. Code 1681e, which is designed to prevent violations and restrict the furnishing of consumer reports to specific purposes. Lastly, as per 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time.
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

in XX/XX/2020 my payment did not go through on autpay. they did not notify when it didnt go through. when i called the company they said they see the transaction coming out. when it didnt go through they never notified me. now i have a late payment on my credit report and its damaged my credit and not allowing me to get a mortgage. i tried calling the company and they wouldnt help me with this unfair situation.
Consumer complaint received 2020-07-07
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

DISPUTE LETTER AGGRESSIVE CREDIT REPAIR LETTER SECTION 609 ROUND 1 The following account need to be removed immediately : Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : Please verify and validate all data for this account, every notation, dates, and balances, whether reported or not. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account XXXX, 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 an account without my written instructions. 

Name : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 This inquiry was made without my knowledge or consent, and I would like to be provided with proof that I consented to this inquiry via FCRA section 609 and 605 as well the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed.

Under the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the address. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

This Company is reporting inaccurate and information I did not give consent to report. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness and respect for the consumers right to privacy. 

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. the financial institution and the Consumer reporting agencies do not have my consent to furnish this information nor my written consent. 

Any and all consent to, whether it be verbal, implied, written, or non-verbal is revoked! 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

They never informed me of my right to exercise my nondisclosure option.

They are reporting again without my permission which is against the law.

A consumer may exercise the right to opt out at any time. I am opting out of having my CREDIT USAGE '' and " REPORTED BALANCE '' reported on my file, ON ALL OF MY ACCOUNTS
Consumer complaint received 2020-07-07
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. (TX)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX  XXXX {$390.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$460.00} XXXX  XXXX  XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX {$400.00}
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

Experian reported 24 incorrect items on my credit report. And still to this day refuses to remove other items as demanded. 

Experian has been invoiced for the amount of {$24000.00}. 

In XXXX XXXXXXXX XXXX XXXX XXXX Experian Information Solutions , Inc., the U.S. Court of Appeals for the XXXX XXXX recently ruled that a consumer does not have to prove actual damages to recover statutory damages for willful violations of the Fair Credit Reporting Act. 

I have attached the approriate document containing the invoice below.
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FACTUAL DATA CORP. (PA)

I noticed an inquiry from Factual Data that I do not recognize or approved. This inquiry is from XX/XX/2017 and the only contact details I see listed for Factual Data is XXXX, PAXXXX so I wasn't able to contact them about this issue.
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

From XXXX I had a AAA Financial XXXX Card issued by Bank of America. In XXXX XXXX, I called to notify them I wanted to close the account and was told the account balance was {$3900.00}. I made a payment in that amount and considered the account closed. After sending the {$3900.00} payment, a late fee of {$35.00} and {$9.00} of interest was charged to that account. At some point thereafter, Bank of America put my account into charge-off status and put negative information on my credit report. I did not realize that until XXXX of XXXX and called to complain/request that be cleared up and corrected. I was told over the phone that it was an error and could be cleared up. I thought the matter was settled. Nope. I received a letter stating that i owed them the now {$56.00} and to pay it. Disgusted with the situation I ignored the issue. XXXX I noticed my credit report showing derogatory language concerning this account as BAD DEBT BAD DEBT BAD DEBT. I called in to B of A to complain and ask that this issue be removed and corrected. On XXXX/XXXX/XXXX I spoke to XXXX XXXX XXXX who said he could see the issue and how it came to be. He spoke to his supervisor and after that consult I was told that the fees/charges would be waived and the chargeoff be removed from my credit report. 1 week later I received another letter stating that I owed them {$56.00} and to pay it. On XXXX/XXXX/XXXX I spent 2 hours disputing this charge, and discussing my continued hassle and frustration with this issue. I was told once again that this was a valid charge and needed payment. Disgusted and angry, I paid the {$56.00} and informed them I would be closing all my other accounts with bank of america and refinancing a home mortgage they hold. 

Thanks for listening thus far. It is very frustration to deal with an entity like BofA and have them smear my credit report through no fault of mine. I have about XXXX accounts in good standing on my credit report, this was the only negative entry and was over {$56.00}. Bank of america has my phone number, then and now, I 've had the same number last 9 years and not 1 phone call to me on their part. I did over {$87000.00} in business with them last year alone. I refuse to accept being treated this way by any financial institution. 

I am attempting to dispute this issue with the XXXX credit reporting agencies. Please let me know if there is anything you or I can do furthermore to counter this situation and repair the tarnishing of my credit report. 

XXXX XXXX XXXX