davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (IL)

I have a Coinbase account that I had to lock myself out of due to it being hacked by an unauthorized user. I got a text in early XXXX of 2021 from Coinbase as if someone was trying to access my account. When I went online to sign in, they sent me a verification code to a phone number Ive never had ending in XXXX. I immediately disabled my account which still has {$30000.00} in there and I had one automated email from Coinbase telling me to change all my email passwords which I did, so I sent them another email explaining I did all the steps they required me to do and got one more email back from them saying they were having an account specialist look into this for me. Since then Ive sent 6 follow up emails about the status of my account and my funds and no one has gotten back to me. Ive have XXXX stored in Coinbase and about {$15000.00} in crypto just floating that I dont have access to trade or withdraw.
Consumer complaint received 2021-07-11
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. (MA)

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with : Account Number : XXXX - Original Creditor : XXXX XXXX XXXX It saddened me to learn that you somehow Transunion verified the disputed item, electing to leave it on my report. I am certain that the item I disputed is incorrect and should be removed, so I tried to my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my disputes and have gotten NO response and the erroneous item is still on my report. 

Note : XXXX XXXX XXXX was removed from my XXXX  report on XX/XX/2021! 

I am very interested to learn how Transunion 's investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with proof of my signature ; including all names and contact information of employees that XXXX  spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded because of this unfortunate error. Therefore, I request that they DO NOT send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of Transunion via email, fax, mail and on the phone with a representative.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The accounts listed below still reporting as erroneous despite my record shows that this accounts was Paid as Agreed. In violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not correct these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (NC)

RE : XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX : Flagged for Collections MIDLAND CREDIT MANAGEM Account XXXX Information on this item has been updated. Please review your report for the details. 
Hide Details | View your Report | View your credit score Updated + 'icon ' Updated After BeforeClose MIDLAND CREDIT MANAGEMEN Account Name XXXX Account Number Debt Buyer Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$1200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$1200.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$1200.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comment ; Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX. 



XXXX XXXX and XXXX everyday don't verify information, ignore laws and debt buyers like, Midland Credit Management flag account as collections, drops my score by 2 points, uses robo callers to harass me, and threatens retaliation. XXXX  is dropping my credit score, every single day, not even 4 hours after I dispute something or add a personal statement, since Covid-19 pandemic started, causing for companies like XXXX not approve loans for my small business. Creditors, Credit Collectors, Credit Buyers, and Credit Bureaus are abusing Fair Debt Collections on a daily basis. My credit score dropped over 300 points, and continues to do so. All of the above ignored the Covid-19 Consumer Protection Act, harassing frontline healthcare workers such as myself, calling during working hours, saying that there's no way to add your times of work and they can call you any time any day even if you are a healthcare worker. The pandemic does not matter
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NV)

Midland Credit Management original account number XXXX MCM account number XXXX is trying to collect on this account which i dont recall. i request a validation letter proving that the account is mine. I am retired and on ssi so my income is federally protected.
Consumer complaint received 2021-07-12
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. (GA)

Personal Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX I wish to state that I am a victim of multiple fraudulent events and identity thefts. Beginning with the XXXX  breach exposing my driver 's license and social security number on the XXXX XXXX, followed by the theft of my vehicle on XX/XX/XXXX with my cell phone and multiple personal items never recovered ( please see police report ), leading into and throughout the worldwide pandemic, my financial position of strength, with scores in the lower to mid-700 's with each of the 3 main credit bureaus, was systematically destroyed in favor of lenders, collectors, credit bureaus, & other unrecognized predators.

People should not have to lobby for an act of Congress to receive basic financial protections each time they encounter difficulties, whether it is a lost job, being declared unemployable ( due to service-connected military injuries ), a death in the family, or a national or global crisis. Even during non-pandemic times, millions of Americans experience disruptions each year, leaving them to navigate the problematic credit bureaucracy with very few substantive protections. 
The problem is that loan servicers, debt collectors, and credit reporting companies work for lenders, not borrowers, so they have little motivation to help. Consumers, like me, are caught we can not escape, unable to choose, or walk away from these companies. 
This statement is only the beginning of my revelation, of how I, a 100 % service-connected XXXX veteran, responsible citizen - has never been protected from the credit ecosystem, the CARES Act, the credit bureaus repeatedly requested to provide evidence and validation of erroneous accounts.

They have violated my consumer rights and financial stability. I can not purchase a home of my own as I am entitled, through the VA and Department of Defense. Care for me as our financial institutions! The following lenders, collection agencies, thieves, con-artists, and other bullies in the credit game are being, and will continue to be, exposed for all the reasons I have stated thus far, and per my rights under the FTC, FCRA, FCBA, FDCPA, Attorneys General, Veterans Administration, Department of Defense, Local, State and Federal Government and the media ( all accounts except 4 are included on the attached FTC ID Theft Reports. The other 4, are in violation of the CARES Act and continue to report inaccurate data to the credit bureaus, despite constant communication with each ) : 1. XXXX XXXX 2. XXXX  XXXX XXXX, XXXX 3. XXXX XXXX XXXX, XXXX 4. XXXX XXXX XXXX, {$2100.00} 5. XXXX XXXX, Original Creditor : XXXX XXXX XXXX XXXX, Collection Company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , Creditors & Credit Bureaus Reporting in Violation of CARES Act & Terms of Negotiations/Agreements During Worldwide Pandemic 1. XXXX XXXX  - 2. XXXX XXXX  3. XXXX 4. XXXX XXXX
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act. California Rosethal AcXXXX. I paid my payment before the XXXX day on 4 payments reported by creditor strting in XXXX Two times I was credited on the XXXX day and the creditor reported it 30 days late. In XXXX of XXXX they reported XX/XX/XXXX payment 30 days late in retaliation to my complaint. 2 month after. I have sent them the proof. I was able to use the proof with XXXX  who removed the 4 30 day lates
Consumer complaint received 2021-07-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Richard Sokoloff, Attorney At Law (NY)

On XX/XX/21 I noticed a levy on my bank account in the amount of {$8400.00}. XXXX. I contacted my bank and was advised that the levy was ordered by Richard Sokoloff XXXX on behalf of XXXX XXXX XXXX XXXX. I attempted to contact Richard Sokoloff by phone and was advised by his receptionist that he would call me back. 24 hour 's passed and still no return call from Mr. Sokoloff so I visited his law firm located at XXXX XXXX XXXX XXXX, XXXX NY on XX/XX/21 and requested to speak with him in person. Mr. Sokoloff appeared at the reception window. I advised him that the levy on my bank account was illegal. I explained that said funds are from NYS Unemployment and therefore are exempt from debt collection since the alleged debt is not owed for child support, taxes nor student loans. I presented Mr. Sokoloff with my bank statements which shows that my unemployment benefits are directly deposited into the levied bank account and also proves that my government benefits are the only monies that are deposited into said account. I also presented Mr. Sokoloff with my NYS Unemployment benefits statement which shows the amounts that I have been receiving and also shows that said payments are directly deposited into the levied bank. Mr. Sokoloff skimmed the documents but refused to accept them. He presented me with a copy of the default judgment and his business card before shutting the window and walking away. Richard Sokoloff, XXXX. is in violation of the Federal Debt Collection Protection Act
Consumer complaint received 2023-04-03
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. (CA)

XXXX ) XXXX is hurting my credit. It's reporting 2 inquires on XX/XX/XXXX and XXXX, XXXX with XXXX XXXX for the same credit card application. I only applied once. 
XXXX XXXX XXXX XXXX XXXXXXXX is wrongfully reporting on XX/XX/XXXX an inquiry I didn't requested. 
XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX and XXXX XXXX XXXX XXXX account # XXXX are reporting that I was 30 days late in XX/XX/XXXX. That is incorrect. 
4 ) I tried multiple times to fix the problems that are hurting my credit with these companies without any luck. I'm asking you to please request them to delete the inquires and wrong information to clean up my credit report.
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (OH)

On XX/XX/2020 i recieved a large deposit from XXXX for my backdated unemployment funds. It was an {$11000.00} deposit into My Current Online Checking account app, XXXX XXXX, and I, XXXX XXXX, withdrew {$2000.00} of My money and my account was frozen and under review the next time I tried to use my Current Debit card. I provided Current bank with all necessary items needed to verify my identity because it was a pretty large deposit and i understand looking into it but they never gave me access to my funds again even after i provided correct documents. They, Current Bank App then stated only in the email that they returned my remaining funds, {$9400.00} to XXXX but will not, even after numerous attempts over the last 7 months, will not give me a confirmation number or any details at all of how, when, where or what they really sent My, XXXX XXXX XXXX 's money. They will not answer any of my questions and this cabnot be legal. XXXX says they can not locate my money thatCurrent supposedly sent back to them. I've contacted anyone and everyone that i could think of in these last 7 months that could possibly help me and they just tell me to contact this place or that place and haven't been able to get anywhere. Please help me get my money from those crooks.
Consumer complaint received 2021-06-16
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION (TX)

I have been banking with BBVA for about a year. There is a internal transfer every month from my checking to my savings it is never on the exact date. So I am left with a negative balance in my checking account. I then immediately deposit the money into my checking account to avoid an insufficient funds fee. However the next business day I always see a {$38.00} insufficient funds fee even though I have already deposited the money the day before. I usually contact the bank and get this issue rectified however today XX/XX/2021 I did call the call center spoke to a representative they informed me that this fee is correct and theres nothing that can be done. I then asked for a supervisor he rebuttal that the supervisor would provide the same information. I insisted on speaking to a supervisor he then informed me that the supervisor is not available that I will receive a call back not with a specific time frame. This is an ongoing issue that happens every month and I feel needs to be looked into. These are deceptive practices and unlawful commerce.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX is reporting a debt on my credit file that is erroneous. This debt has been paid, and they continue to report this debt and ding my credit. It is absolutely absurd that they continue to hurt my credit, even when it has been paid. I am requesting that they they fix this issue as I no longer owe this debt.
Consumer complaint received 2021-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

This is a third complaint about loan servicin company SLS I have had mortages 50 years never had one problem THIS IS THE FIRST time .SLS is not like any normal lending bank or institution .There has been so many misrepresentations i will have to keep separate in several complaints to not get lost in them.Here is only one example. Statement for XX/XX/XXXX has nothing about paid tax. {$53.00} paid by owner receipt from XXXX  TAX office with proof no tax due .A small penalty amount left after payment.Because in XXXX of XXXX i have a BIG PROBLEM WITH THIS COMPANY interefering with my payments of tax to the tax officeXXXX tax collector gave me this paper showing SLS paid this same amount knowing i had paid it.Tax office was refunding it back to them, Tax office also had other MISAPPROPRIATED PAYMENTS that had to be refunded to SLS and me because they interferred with my payments of taxes on my property with no prior notice.I have statements i will show in the next complaint.This small amount i paid has been in the XXXX  TAX OFFICE FILE when i complained to the XXXX  TAX OFFICE AND CFPB XX/XX/XXXX XXXX  XXXX sent me this receipt of SLS paying what i had paid prior, SLS sent me a statement showing it after i complained to CFPB .The real statement sent to me by SLS AT THE TIME does not show the misappopriated amont of {$53.00} TACTICS I HAVE NO CLUE WHY this has been done.
Consumer complaint received 2021-07-11
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: LEXISNEXIS (MO)

On XX/XX/XXXX, I mailed letter to LexisNexis requesting that an account be verified that was reporting to XXXX XXXX XXXX, and XXXX. On XX/XX/XXXX LexisNexis sent me a letter back stating that the item was unable to be verified and they will be removing it from my records. I immediately called LexisNexis and verbally requested this information be update with all the credit bureaus they furnished the information too. The agent told me that my records will be updated in 30 days. On XX/XX/XXXX, I sent a letter request that the item be removed from my file because LexisNexis found it to be unverifiable. I have never received any response from LexisNexis, XXXX XXXX XXXX or XXXX regarding the removal of this item and it has been over 103 days with no response. I am a victim of the XXXX  data breach, and have every intention to take legal action if this is not corrected. This unverifiable information be reported is negatively impacted my credit and I am suffering with the inability to save money by obtaining lower interested rates, which directly effects my household budget. I feel that my requests are be ignored.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$57.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$6100.00}
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My last credit report from all three agencies is dated XX/XX/XXXX. As usual, shortly after XX/XX/XXXX I send all required documentation that identify my identity to all three credit reporting agencies. I never receive a report. I understand we were at the beginning of the pandemic. I wonder : What happened to that mail piece with lots of identity data? 
How do I know that if I send my identity information again I'll get my reports? 

I am just a financially responsible individual that like to keep my credit database correct as is my responsibility. Credit agencies will add to our record anything that smell, look and might sound like belongs to us without any responsibility. Credit agencies only respond to financial institutions that pay and finance to some extent credit reporting. I understand and accept that fact. 

Please provide an answer to both questions at your earliest convenience.
Consumer complaint received 2021-07-11
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: Experian Information Solutions Inc. (KY)

I paid off the account in full in XX/XX/2021 and on XXXX  and Experian still showing a balance of {$1600.00}. Should be a XXXX  balance paid in full in early XX/XX/2021. I disputed this multiple times and it was never corrected.. 

Please update the account to the credit reporting agencies as paid in full.