davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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. (CO)

This will be the 3rd attempt to stop Experian from reporting ten closed accounts for the US Department of EducationXXXX and ten closed accounts XXXXDept of Education on my credit report XXXX These accounts have been closed since XX/XX/2020 and XX/XX/2020, respectively. They do not show as open accounts on XXXX and XXXX which I also explained to them on the forms and in a letter. The impact of having this information displayed on my account as open has kept me from being able to rent/lease a place to live because my credit score is too low ( XXXX ) and it shows reason code : 11 - The total of your delinquent or derogatory account balances is too high. We currently live in a hotel. 
Secondly, I have asked more than 3 times for a duplicate account from XXXX XXXX XXXX XXXX XXXX XXXX to be removed from my credit report. The company charged me twice for the same day of service and the bill was paid in full by my insurance company. They never send any documentation to my email address, they only tell me " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account #. Where is the proof? I have even written XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and neither of them have emailed any verification documents or proof either. 
The information contained on one credit reports should be exact or at least similar in content and Experian is always different and the worst when it comes to depicting someone's owed or owned debt. I am disputing these items every 3 months, if necessary, until they remove it or until I contact the Office of the Attorney General. I don't want to live in a hotel forever but until they remove the closed accounts for US Department of Education and XXXXDept . of Ed, and the duplicate account for XXXX XXXX XXXX, we will continue to live here because my credit score will never be high enough to rent or lease a place outside of here.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I sent a mail regarding identity theft and fruadlent accounts on my credit and i got a mail today stating that " i was not the one who sent that mail ''. I feel as though this is ridiculous. I spend my interior weekend gathering all the documents to receive a mail like that. I am extremely upset. Ive been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transaction done by myself. I have attached the FTC report along with my drivers license and social.
Consumer complaint received 2021-02-01
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. (NV)

As the Consumer my rights have been violated multiple times. Due to my rights being violated as the Consumer I demand for any and all damages occurred to me the following {$1000.00} per violation as stated via 15 U.S. Code 1681n - Civil liability for willful noncompliance.

( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

The creditor has and is reporting my credit history inaccurately.

This has caused me as the Consumer Defamation and Financial Injury. I have disputed these items multiple times and both the Creditor and the Credit Reporting Agencies have failed to report it as a dispute which violates my rights under the FCRA as stated in section 623.

Creditors have pulled my Consumer file without my written permission or without reasons permissible under law which has caused injury to my credit report and scores. 
As stated in 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

On top of things the Credit Reporting Agencies and Creditor have " Re-Aged '' my account by reporting the date of last activity instead of the date of first delinquency. As a Consumer this has violated my right to Consumer Protection as afforded by the FCRA under Section 605 ( c ).

As a Consumer I have a right to privacy as stated in 15 U.S. Code 1681. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

A primary purpose of the FCRA, is to protect consumers against inaccurate and incomplete credit reporting.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (UT)

Santander Consumer is reporting an erroneous debt on my credit file and it must be removed. I recently checked my credit and noticed this debt on my credit file. I was under the impression this debt was being paid off but they were applying it to another account? My insurance was supposed to be taking care of it but because they kept delaying the process I decided to do it on my own. However, they never applied a single payment to the account I needed it to go to! I ended up finally being able to settle the account and they told me they would be removing the account from credit. However, I received a letter stating that the account would just report as paid. This is not what we agreed to and they must hold up their end of the negotiation. I am aware that the company has the ability to report his account to the bureaus as they deem necessary. Santander has the ability to remove any accounts since they are the furnisher. I have settled the debt with you and am now asking for a deletion letter to provide to the bureaus.
Consumer complaint received 2021-02-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

My name is XXXX XXXX. 
My Money was stolen from my checking account by Coinbase INC. 
PLEASE HELP!! 
Coinbase account : XXXX Phone number linked to my coinbase account. ( XXXX ) XXXX On XX/XX/2021 approximately XXXX I noticed a spike on my coinbase account from approximately {$350.00} to {$2800.00}. ( I wondered where funds came from ) At this time was holding some funds on bitcoin ( BCT ) some were around {$200.00}. And some funds on Wrapped Bitcoin ( WBTC ) approximately {$150.00}. Total invested little over {$350.00}. 
I started searching where funds came to my coinbase portfolio account from, And I discovered that funds came out of my personal checking account It was 4 different withdrawals 3 times from my debit card and one time directly from my checking account. 
Debit Card : {$420.00} + {$1400.00} + {$2200.00} Total of {$4100.00} and and then {$3000.00} form checking account TOTAL OF {$7100.00} Pus about {$350.00} funds from bitcoin, So total {$7400.00}. 
I don't understand how it can happen when I have to do 2 times verification to do any type of transactions, First I have to receive 6 digit code to my text on my cell phone and second time I have to use Authy 6 digit code which is changing every 30 seconds.

All funds were taken out of my coinbase account to The unknown accounts. There are a lot more small details.

At the end my bank account was overdraft for {$330.00} which at the end I had to come up for this amount to cover up overdraft. 
On XX/XX/2021 I tried to contact COINBASE with very confusing automatic questions, most of them not related to my case. So coinbase blocked my account after I made a report over the phone and my PC to through automatic answering questions. 
Then I could only see what was going on on my coinbase account but it was blocked to perform any type of transaction. 
Multi billion dollar Coinbase corporation does not have any kind of customer service like phone or life chat. They don't respond on my e mails or requests on my fraud status through automatic system on there help website, I wrote probably over 70 e mails, letters,, and so far i did not have any respond accept an original respond to my email that they will investigate my request, so far i have nothing from coinbase. 
I did some research on coinbase fraud and there are 1000 's of complaints about that coinbase ripping off customers and simply stealing customers money. 
Coinbase simply stole my money. 
At the end I am out of {$7400.00} The whole thing is nothing but a Nerve Wracking, I don't know where to start. 
Somebody PLEASE HELP ME!! 
( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-01
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. (IL)

I am filing this complaint so that my XXXX Late payments from XXXX are removed and those are not mine. I have a pristine clean Credit Score and this is the only late payment ever reported which is not mine. I have had a conversation many times with XXXX, I have been with them for the past 5 years and have never missed a payment since everything is on Autopay. Back in 2018 I called them and confirmed over the phone the switching of the bank account and to move my auto pay to the new account. In XXXX they reported a 30 day late payment which is NOT mine, then after calling them they said they fill fix the error after me explaining that I have called and I have told them and it has been confirmed by them everything is in order for the autopay. Then XXXX goes good without problems and again in XXXX 30 day and XXXX 60 days late payment. I was frustrated and called them again and they said they will look into it and I should send a letter to their credit department. Never got any response back. I have tried multiple times to fix the issue but they dont seem to listen. So that is why I am filing this complaint and I am hoping you would be able to help me out
Consumer complaint received 2022-09-30
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)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANCO POPULAR DE PUERTO RICO (MD)

My account went past due, due to issues with the mail. I called up to pay over the phone. I asked to pay the account off and to close the account. The lady told me the payoff amount which I paid, however the account couldn't be closed until the payment cleared. Which is not true for revolving credit lines, they can be closed with a balance. A few months later I opened a plain envelope to discover that I had a balance of several dollars. I called and they could not waive due to previous late fees waivers. I explained it was due to bank error and I am not responsible for a bank mistake. They had taken my payment as an account payoff. I asked for a return call from a supervisor since none was available. I never received one, nor did I receive one the next time I asked. I am trying to refinance my home and due to the impact of the delinquency on my credit card I did not qualify for the cheapest loan. I had to take one that is {$3000.00} more expensive in closing costs. The refinance can not close until this balance is gone. I called again today and paid the balance since they refuse to resolve the {$1.00} residual interest error that is now {$8.00} with more fees and interest. This is predatory and unacceptable practices. I would like the delinquency removed from my credit report and the {$8.00} refunded to me.
Consumer complaint received 2021-02-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Radius Global Solutions LLC (IL)

Received several calls from XXXX XXXX saying they were representing XXXX lender. I had a payday loan several years ago and paid it off. They said I still owe them money and I breached the contract. They also called and left a message at my mother 's house who I have not lived with in over 40 years.
Consumer complaint received 2022-10-12
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. (NJ)

Upon reviewing my updates, the incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 2021-02-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (OH)

I lost my us bank Relias card. I called and notified them. they told me to send in a copy of my id and which I did. and now they tell me that they cant issue me a new card. I have XXXX dollars on the card that had been canceled. I need my money asap I have bills to pay. altogether it has been four week since I contact them for the first time and still have not got response.
Consumer complaint received 2021-02-01
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. (NY)

At this time, I respectfully request a copy of my XXXX, XXXX  and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I received the response from XXXX XXXX and this account was, in fact, discharged in a XXXX XXXX Bankruptcy XX/XX/2021, The notes on my report should read as such. Account discharged in XXXX XXXX bankruptcy. Why is this such a long drawn-out process? Equifax is the only bureau that has not and will not update this information. XXXX XXXX XXXX was notified as well. The Bankruptcy Court did not receive any returned mail or email. How can the response say the account was not included in bankruptcy when I have court documents showing that it was? It's no wonder XXXX was sued for deceptive practices. XXXX XXXX is even worse.
Consumer complaint received 2021-02-01
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: Experian Information Solutions Inc. (AL)

Over 60 days ago on XX/XX/2020 I sent in a dispute letter concerning the fraudulent accounts that is being reported on my credit report. Still to this day I have not received any notification, email or letter in the mail stating that they have disputed those accounts.
Consumer complaint received 2021-02-01
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. (AL)

Over 60 days ago on XX/XX/2020 I sent in a dispute letter concerning the fraudulent accounts that is being reported on my credit report. Still to this day I have not received any notification, email or letter in the mail stating that they have disputed those accounts.
Consumer complaint received 2022-01-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (OR)

We refinanced our VA loan that we had with Freedom Mortgage. We had an existing loan with them. In our Escrow account we had {$2100.00} at the time of refinance. We were told that balance would be transferred into the new loan. We were concerned because our taxes were due in XXXX, and we did this refinance in XXXX. I was assured by everyone we spoke to that the money would be transferred. Well, the loan closed, and the money was never transferred. I started calling in XXXX. Was told by numerous people the balance was in our account and would be transferred. They paid taxes our account the showed a negative {$1800.00}. We called several more times and sent emails. Never a answer always told someone would get back with. Freedom Mortgage has the worst customer service. No one ever gives you an answer. They transfer you to someone else or hang up on you. Also, very unprofessional when you hear babies crying and dogs barking in the background. That tells you the people you talk to do not know what they are doing. This process was supposed to save us money but will cost us more. We will have to pay the negative amount in the escrow account, or our payment will go up by several XXXX dollars. It has been a mess and continues to be. I would not recommend Freedom Mortgage to another veteran.
Consumer complaint received 2021-02-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TN)

AmeriHome 's response is correct up to : " On XXXX XXXX, 2021, AmeriHome received a payment from the previous servicer in the amount of {$1800.00} ''. The XX/XX/XXXX payment came from us NOT from the previous servicer, XXXX XXXX  XXXX. XXXX XXXX XXXX believes the XX/XX/XXXX payment is theirs and they have the money ( I have confirmed this in calls with them ). AND, AmeriHome Mortgage Company believes the XX/XX/XXXX payment is due to them. We, the borrowers, are stuck in the middle and are considered delinquent. Help!!! Please get them to talk to each other and resolve the XX/XX/XXXX payment.
Consumer complaint received 2022-09-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (LA)

The company XXXX was overchargeing me XXXX XXXXXXXX {$800.00} a month for unlimited services for 3 lines. Overcharging, adding unnecessary fees, etc. I paid them what was owed and switched my line over to XXXX. I.C. System then purchased an account that was not updated and was settled. They are trying to collect twice on the same account. 
I have been with XXXX with for over 5 years.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (IA)

ReliaCard XXXX XXXX XXXX ( for Child Support ) Spring of XXXX I was asked to confirm my identity with the new app ReliaCard was requiring. For XXXX months I was unable to use my account because the photos of myself weren't clear enough or light enough etc. I ended up attempting to validate my acct. XXXX XXXX with waiting time in between to see if it qualified. 

This accrued XXXX of child support that I was unable to use. 
When I finally got my ID confirmed with their app, I used it a couple of times to see it worked at a grocery store. Ironically, my account gets frozen again within that week of using it. 
XX/XX/XXXX Card to Bank XXXX to XXXXXXXX XXXX Personal Checking- ACH Withdrawal {$1900.00} XX/XX/XXXX Card to Bank XXXX XXXX XXXX same for {$1000.00}. 
XX/XX/XXXX Card to Bank XXXX to XXXXsame for {$800.00}. 
My online account was hacked, the hackers changed my email address and alerts to my phone. Reliacard said " no error occurred '' and will not refund my money. 
I have spoken with them on the phone XXXX times, various managers, fraud dept. with one finally realizing my email and phone were changed on my account and still no change in their findings. 
Police Report was filed the day after I realized fraud happened. Case XXXX XXXXXXXX XXXX XXXX XXXX Police Dept . 

ReliaCard Case number is # XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have never transferred money in my XXXX years of having this card for child support. 

See attached timeline and supporting documents.