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

I was notified at the end of XXXX that my account was on hold due to a balance I owed. The balance I owed was for a transaction Coinbase never received funds for. The amount was {$10.00}. I was notified to make a payment on their website or application. When I attempted to make the payment I continued to receive error messages or there wasnt even an area to pay. I received another message stating that after 5 business days they will automatically resolve the issue by taking funds from my current account balance. I have tried text/phone/email support over 10 times with no help. My complaints are being ignored and Ive been told Ill be in contact with a supervisor in a couple of days but its been over a month. My funds are locked and my ability to trade is restricted. I have the funds and have the ability to make a payment but due to a failure on coinbase I have lost those privileges and it is costing me money since I cant withdraw buy sell or trade. I want to file a law suit for monetary damages since I have been losing money for over a month and have been given no support from coinbase. They havent taken funds and all the troubleshooting methods have failed. The attachments included are screenshots of what Im seeing on my end. I can not click on make payment since it just brings me to the error message I have attached. Additionally the email link provided does not do anything for me its bring me to the same error message. On the web browser it does the same thing and tells me it will be automatically resolved in 5 days ( it has not ). I have tried different browsers, cleared cache and data, reinstalled the app, etc. this is coinbases fault and I need to be justly compensated.
Consumer complaint received 2022-08-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

I have been in contact with your company since XXXX to no avail. I have been in contact with XXXX from your loss mitigation department. She agreed with everything in this complaint. She was forwarding this information to her supervisor XXXX and I was going to hear from her but I have not heard from either of them. The processor I haven't been able to successfully contact is XXXX XXXX ext. XXXX. 

On XX/XX/XXXX I recieved a COVID-19 forbearance agreement for the months of XXXX. I signed, notarized, dated and sent in the loan modification. In this paperwork, written up by your company on XX/XX/XXXX, it stated that my resuming payment of {$1800.00} was to be due on XX/XX/XXXX. I received my statement for XXXX and it was claiming that I owed for XXXX. All credited payments and principal curtailment have been applied to the loan. As far as I can tell this is a clerical error. On XX/XX/XXXX I received a letter stating that i'm in default and that foreclosure will begin if I do not pay the past due amount by XX/XX/XXXX. I have paid for XXXX, XXXX and XXXX. There should not be a past due amount. Again, XXXX was included in the loan modification.
Consumer complaint received 2020-05-19
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$1000.00} XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-05-24
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX
Consumer complaint received 2021-10-04
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)

on XX/XX/2021 XXXX XXXX XXXX put a derogatory account on my credit report for the amount of {$430.00} a DEBIT CARD that I owed money on which was NOT CREDIT RELATED and under the FDCPA that is not supposed to be on my credit report being that it is for a DEBIT CARD and nothing credit related I disputed the account and the credit bureau sent a response saying that the information was accurate which in fact it has nothing to do with credit and was a debit card. I have disputed this information several times and still got the same answer that the account was accurate nothing else stating how they did they investigation to know the account was accurate or even if it was CREDIT RELATED
Consumer complaint received 2022-08-08
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: CITIBANK, N.A. (NC)

XX/XX/XXXX - Was double charged for TV, as when Best Buy agent canceled order, it did not reflect in Best Buy inventory. Never got that TV, but the issue at hand is, that charge is stuck. Called Citibank who services Best Buy card. They sent me back to Best Buy, and am stuck in loop. 

Emailed Best Buy Corporate XX/XX/XXXX, once new statement was out, and I saw charges. They contacted me with resolution about gift cards being used to pay off the incorrect charge. I have voicemails from XXXX at BB executive office with the above solution for reconciliation ( XX/XX/XXXX ). Weird way to reconcile errorcould this be XXXX compliant?? 

XXXX direct line at Best Buy Executive Office - XXXX. You can verify everything with him. Happy to provide you with emails to Best Buy, and voicemails from XXXX with supposed resolution. 

Today its XXXX, and my account is still double charged. I feel like Im held hostage at this point. This is impacting me credit utilization, and thus my XXXX. My XXXX is good, but logically would be higher, if it doesnt show an extra $ XXXX being used on account ( current total charges are ~ $ XXXX ). This should be illegal. 

I feel stuck, like XXXX against XXXX. Please help me with some guidance. Had the tables been turned, and I walked out with a $ XXXX tv, Best Buy would surely have locked me up immediately. 

Respectfully, XXXX
Consumer complaint received 2019-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MO)

In or around XX/XX/2015 I had an auto accident due to the fault of another driver. My vehicle was a complete total loss. The party at fault insurance company booked a rental for me at XXXX XXXX XXXX XXXX. However, after several days into the auto rental XXXX XXXX XXXX XXXX told me to return the auto in which I did. The other party 's insurance company that was responsible for the billing did not cover the amount due as stated to me. I was not responsible for the booking of this rental. XXXX XXXX XXXX XXXX has attempted to collect debts from me that I was not responsible for. I have explained in calls and letters many times it is not my responsibility. XXXX then retained a collection agency and I have also sent letters and faxes about this debt. I ultimately have had no choice but to file with the CFPB with my complaint. They have reported to this account to the credit bureaus causing irreversible damage to my credit scores, interest rates an inflicted financial losses due to erroneous reporting information.
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX to the following Accounts # On XXXX 1.XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX 2. XXXX acct # shows 2 late payments 3XXXX XXXX XXXX shows 3 late payment 4. XXXX XXXX shows 2 late payments 5 XXXX shows 2 late payments. 
According to the the below statues my rights have been violated. Under the following : 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. 
Each of the XXXX major credit bureaus are in direct violation of their reporting. 
I request that these be removed immediately.
Consumer complaint received 2021-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

I was the victim of identity theft. I reported it to the police. My PayPal account was used to send cash advances, using the linked PayPal credit account I have. I paid off a full balance of over {$10000.00} in XXXX of 2020. These were charges made by me. 

In XX/XX/2020, approximately {$8000.00} dollars was transferred to a person I can not confirm as a cash advance. I did not report this issue right away, because I was dealing with additional issues relating to the Identity Theft. I believe someone was using a compromised bank account with XXXX, which has been since closed. 

I can not verify where this money was sent, how it was withdrawn, if I know the person involved, as paypal does not give me access to this information. 

I had numerous accounts opened with compromised personal and XXXX  information. 

I can not verify if any of the transfer were mine. 

I have continued to pay the minimum payments on a account I paid off in full. 

PayPal does not seem to want to help, and I was told I can not speak to their back office to further inquire about the citation. 

I am now paying a back a large sum of money, that I can not verify i am responsible for. In addition I can not make a legitimate purchase of my own. 

I was physically unable to make transactions during this time, as I was in the Hospital, which is why I am questioning this situation and my liability.
Consumer complaint received 2022-03-12
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. (SC)

To Whom It May Concern, I have attempted to remove duplicate accounts from my credit file several times, however, the credit bureaus are refusing to move these accounts. I have letters from both XXXX XXXX XXXX and XXXX Bank which shows that the XXXX XXXX XXXX ending in XXXX is being collected by XXXX XXXX XXXX and the XXXX XXXX account ending in XXXX is also being collected by XXXX XXXX XXXX. 

I advised the credit bureaus that it is unlawful to report duplicate accounts on my file, however, they refuse to remove these files from my credit report. 

As well, I submitted my divorce court orders advising that my last name is no longer XXXX and should be updated on my credit file to reflect my maiden name. All three credits bureaus have this information but refuse to update my name. I also sent copies of my SC Drivers License.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX
Consumer complaint received 2022-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

upon checking my credit report i saw a XXXX Account with a XXXX dollar amount which has been closed and has that balance and i haven't opened a XXXX account let alone acquired a balance of XXXX for anything. whoever stole my information used it to open a XXXX account and upon my investigation i see where there is no monthly account information where any payments have been made, but of course not it was stolen information so they wouldn't pay and that's what i have been trying to point out to the Credit Bureaus
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (KY)

Wells Fargo ( WF ) Bank suddenly closes my account and took {$7200.00}. Initially due to fraudulent activity, WF is closing the account and WF will return the money in a cashier check within 30 days. But, then after 30 days, WF said they are not going to release the fund and there is no explanation. FYI, 1 ) WF did not give me any warning or did not make any communication prior to closing the account. 
2 ) WF never reached out to me to verify or explain any of the activities. 
3 ) WF loss and prevention center did not explain what and why this fraudulent activity is triggered.

4 ) Upon calling multiple times, WF keeps giving me vague reasoning and changing their words. WF also said they are not going to give me an official letter either. 

Please help me out to get this fund released.
Consumer complaint received 2022-08-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd (FL)

I disputed this debt to the credit bureaus back in XX/XX/2022 stating it is reporting inaccurate information. This account was removed from my credit report in XX/XX/2022 due to being inaccurately reported, but this month it was re-imported back which dropped my credit over 58 pts down. I am trying to get a clean healthy credit report but these creditors reporting wrong information is hurting me. I would like this account to be removed from my credit report. 

The account is called : XXXX XXXX Account Number is XXXX Amount : {$1400.00}
Consumer complaint received 2023-05-22
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. (IL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-26
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: EQUIFAX, INC. (SC)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX and 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-08-08
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. (GA)

XX/XX/2022 Received alert of new student loan on Equifax credit report. This not a new loanm My student loans have been consolidated, so XXXX XXXX {$13000.00} XXXX XXXX {$33000.00} XXXX XXXX {$45000.00} should be listed as PAID in FULL with XXXX BALANCE. Spoke to Equifax and it has not been resolved. Spoke to Student Loans-US Department of Education spoke to XXXXXXXX XXXX XXXX XXXX who also confirmed. 

Current LoaXXXX XXXX XXXX xxxxxxxxxxxx XXXX {$48.00}, XXXX is the Student Loan XXXXXXXX Balance, Paid in Full xxxxxxxxxxxx XXXX {$13000.00} XXXX Balance, Paid in Full xxxxxxxxxxxx XXXX {$33000.00} XXXX Balance, Paid in Full xxxxxxxxxxxx XXXX {$45000.00} XXXX Balance, Paid in Full
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. 

XXXX XXXX  bankruptcy and XXXX XXXX bankruptcy was verified to my account without being verified Account names XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX Credit Coll Account number : XXXX XXXX Credit Coll Account number XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX Account number : XXXX In accordance with the fair credit reporting act XXXX Accounts : 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 a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-22
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (TX)

Westlake Services repossessed a vehicle financed through there company. However the company is now showing on my credit report that they are owed {$7300.00} that much wasn't owed on the vehicle at the time it was repossessed.

Westlake Services has caused irreparable harm to myself and my family by using these illegal and immoral actions to harm my credit.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

in Accordance with the fair credit reporting act XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writtensinstructions.