davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion employee is lowering the credit score. Debt has been paid down with no improvement within the last five years. There are no liens payments are on time. Could decipher what was causing the score to be so low. Contacted Transunion for correction however this has not been corrected. Scoring does not match what is occurring. Additionally there were jumbled addresses that I requested to be removed from people attempting to take credit. Placed credit on a fraud alert. Issued new information however this issue is not resolved. Additionally there are collections that were paid that should be removed from the account.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (UT)

XXXXXXXX XXXX Best Buy is reporting an account on my credit file that is not mine. I recently looked at my credit and noticed I have an account with Best Buy under " Authorized User ''. This account is not recognizable to me and I have never been added as an authorized user onto any account. You have nothing bearing my signature and I ask that you remove this immediatley.
Consumer complaint received 2017-01-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alpha Recovery Corp (IN)

I received a letter from Alpha Recovery Group regarding a debt from XXXX XXXX XXXX with a description of debt being XXXX. I wrote a letter requesting a copy of the accountholders agreement to verify the debt which I would have signed back to Alpha Recovery Group within the 30 days.40 days come and went and I never received a response. At this point I figured they could not supply the required documentation and left it alone. As of XXXX XXXX 2016, XXXX XXXX XXXX has now requested a summons from the court in order to solicit a judgment against me for this unverified debt for which the agency they hired failed to answer the requested letter I sent. According to research this tactic is how they get judgments against consumers which can negatively affect there financials.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

On XX/XX/XXXX Equifax notified me of a new collection account that I was unaware of. Since then the account has updated at least 5 different times. On XX/XX/XXXX I submitted a dispute letter to Equifax along with the dispute I sent directly to the company is question " Persolve ''. On XX/XX/XXXX I submitted a secondary follow up letter to Equifax. On XX/XX/XXXX Equifax sent a letter back about the account I disputed stating, " THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. '' After checking my Equifax credit profile I noticed the account was not there. However on XX/XX/XXXX the account was updated and added back to my Equifax credit report. I don't know why they would remove the file during the dispute just to add it back after responding, I do not believe that to be an ethical procedure of the credit bureaus.
Consumer complaint received 2019-05-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2019 I received a phone call from a company named XXXX XXXX XXXX, who say that they are collecting on a debt from Chase. They told me that they would send me the paperwork for payment, which I did not receive. The morning of XX/XX/2019, they called me back. I informed them that something didn't feel right, and that I wanted to look into their company. I was put through to the individuals supervisor, who was rude and tried to discourage me from looking them up. When I got off the phone, I contacted Chase, and they informed me that they sold my debt to a collection agency named XXXX XXXX, which is no longer in business. I have tried to look up this XXXX online, and can not find anything but complaints of scam. I then received an email from the company, from someone I never spoke to, with forms for me to fill out. Attached are those forms, which I have not filled out. Since then, I have received another call and they left a voicemail telling me that the lawyer has stopped by the office, to drop off my files. The amount they say I owe is {$910.00}, but have settled for {$900.00}. I am afraid that the company is trying to scam me. What should I do?
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

In XXXX I madd a {$1000.00} payment And told the pond rep test tgd payment id for XXXX and XXXX Problem is the Citibank customer service is in XXXX XXXX and XXXX they all have language problem do t XXXX XXXX fluent Ingush dont know how to go things They call here demand payment I blocked theirs phone Charge late fee MADD my account past due which I am not paid {$1000.00} payment Made my account delinquent which my account should not be delinquent after {$1000.00} payment Deliquent is when no payment made for months
Consumer complaint received 2017-08-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OH)

I made a {$1000.00} ACH deposit made on XXXX XXXX XXXX, which is being held indefinitely as " Pending '' by Coinbase although the withdrawal has already cleared my banking institution. Many other customers have reported online that Coinbase holds their deposited or withdrawn funds for 10-30 days before release or not at all. 

Coinbase 's website states deposits are either instant via credit/debit or take 3-5 days via ACH, although this is often not the case. Coinbase uses an automated bot to address concerns or complaints on their website, and emails from a live representative are not returned to address concerns. 

I have requested a response about my pending funds via email from Coinbase and have received no response as to what the problem is or a solution to the problem. The delay or failure in processing these transactions as expected, and as noted in the time stated on their website, will cause personal financial distress as I am not able to retrieve my funds in a time frame that they have stated, and in which I would expect. 

I 'm requesting an investigation into Coinbase 's banking and transaction processes, as they require a user 's SSN, a photo copy of ID, and personal residential information to use their services.
Consumer complaint received 2021-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (MN)

A representative from the SEC advised that I contact you about this. I have been locked out of my Coinbase account since XX/XX/XXXX, and have unsuccessfully attempted to resolve this issue many times. After spending over three hours on the phone with two agents on separate days, I finally decided that I may be dealing with unscrupulous people and I discontinued my conversation.

Shortly after this experience I wrote separate letters to different addresses, one of which I had on file since I initially invested in Coinbase. The other address I found on line. To this date, I still have not heard from anyone. Over a period of six weeks I was given a different case number each time I attempted to reach out. Here are the five case numbers assigned to me from most recent to earliest : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. Unfortunately there was no way for me to identify a previous case number. Consequently, a new case number was assigned each time I attempted to make contact with someone. Their helpline only sent me in circles without success. I am desperate for someone to help me with this very frustrating dilemma. I would be extremely grateful for your urgent assistance with my situation. 
Thank you, XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting Act, the Convergent account has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

18 U.S.C. 1028A Aggravated Identity Theft 15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 6802 Obligation with respect to disclosures of personal information According to the fair credit reporting act section 605B. It is illegal to report information on my credit report without my permission 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees
Consumer complaint received 2017-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

A couple of months ago, I received a notification of a " missed payment '' from XXXX XXXX from a company named XXXX XXXX XXXX, which I have never heard of. After checking my credit report to verify, I filed an investigation through Equifax to fix the issue. After a couple of weeks, Equifax concluded that the account was mine and should contact XXXX XXXX XXXX, whom they blamed. I tried to contact said company and struggled to get a hold of anyone. Soon after, I filed a complaint with XXXX against XXXX XXXX. They contacted me the next day, assuring me that they did not have any of my information and that it was impossible for them to file against my credit. With that said, I called Equifax again, and I was simply in the middle of two companies blaming each other. Finally, Equifax realized their mistake and started another investigation. I THEN REALIZED THERE IS ANOTHER SOCIAL SECURITY NUMBER LINKED TO MY EQUIFAX REPORT AS " ANOTHER FORM OF ID ''. Thus, I filed another complaint, which they " resolved '' with the following message " we have reviewed your concerns and our conclusions are : the disputed variations of SOCILA security number has been deleted from your credit file. '' Unfortunately, the variations are incorrect and the same another form of ID remains linked to my account. With that being, I have attempted to resolve the issue with Equifax, unfortunately my attempts have been futile. The company has yet to fix the problem and only seems to be making it worse.
Consumer complaint received 2017-09-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC (AZ)

The debt collector, JH Portfolio Debt Equities is trying to obtain a debt in the wrong amount. If this debt is in regards to a credit card from XXXX XXXX ' XXXX, the balance on the account never exceeded over {$1000.00}. The balance on the account remaining was around {$400.00}. The debt collector is trying to collect a additional {$800.00}. Please verify the correct amount owed with XXXX XXXX ' XXXX without the additional interest or late fees tacked onto this account. I will not come into an agreement with the balance of {$1200.00} as the charge on the credit card never exceeded over {$1000.00}.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (VA)

I've held a couple of credit cards with Chase for a total of about 4 years. 

After making a big payment made to my cards card Chase responded by reducing my credit rating on two cards down to within {$500.00} of the balance on the card. My credit rating suffered a XXXX point drop as a result and Chase is using my lowered credit score as the justification for lowering my limit, even though they're the ones who did it. 

Throughout my history with Chase, I've never missed a payment, and I've always paid more than the minimum monthly balance. I've been the perfect customer, since this particular card is a rewards card so I used the card instead of letting it sit. 

After getting sick over the summer with XXXX, my credit card use increased for a while but the extra use was paid off when my XXXX check came in. Chase says my increase in utilization was the reason for their cut in my credit limit.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dear Sir/Madam, I am writing to formally request assistance with obtaining my credit report and credit score. Despite my efforts to access this information through the usual channels, I have been unable to do so. As a consumer entitled to view my credit information, I kindly ask that you investigate this issue and provide the necessary assistance to resolve it.

Please advise me on any further steps I may need to take to obtain my credit report or if there are any specific issues that may be preventing access. 

I look forward to your prompt response in resolving this matter. 

Thank you for your attention to this issue. 

Sincerely,
Consumer complaint received 2017-08-16
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: WELLS FARGO & COMPANY (NC)

The mortgage in question was part of a divorce settlement. Which the home was guarantor to my x-wife XXXX XXXX XXXX in the year of 2002. Since, I have spoken with Wells Fargo about the responsibility of this mortgage no longer being my debit. I have presented my legal documentation from the divorce decree and to no avail this mortgage is still showing on my credit report. This has cause major issues for me whenever I am faced with trying to make major purchases. However ; when it is being reported to all credit bureaus it appears that, I am still held responsible. My name no longer appears on the mortgage, but it still is affecting my credit reporting. The credit reports are showing conflicting reporting. One report shows the account as a open ... .another reports the account as being closed.
Consumer complaint received 2024-10-13
Product: Credit reporting 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 need your assistance regarding the false information being reported on my credit report. This matter is serious, as it has negatively affected my reputation, and I need your intervention. Your mishandling of my credit report has caused significant harm, and the incorrect reporting has damaged my standing. It's crucial that you remove these false details from my credit report.
Consumer complaint received 2017-08-31
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)

On today, XX/XX/XXXX I received a letter from Equifx dated XX/XX/XXXX advising me that they will not be conducting further investigations into my dispute for Bankruptcy, Case or ID # XXXX AND Bankruptcy, Case or ID # XXXX that are reporting under my name has been verified as accurate. as it previously has been verified as accurate. On XX/XX/XXXX I sent a letter to Equifax in response to the letter I received earlier in XXXX indicating the bankruptcies had been verified, requesting that Equifax provide the description of the procedure used to determine the accuracy and completeness of the verification method within fifteen ( 15 ) days of the completion of the re-investigation ( ie, he name, address, and telephone number of each person contacted regarding this alleged account ) As well, I asked that Equifax not use any automated response or e-oscar verification methods with the re-investigation of the alleged accounts. 

Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 

I also advised Equifax that I was requesting the removal of the XXXX alleged bankruptcies due to Civil Case No. XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, v. Equifax XXXX XXXX XXXX XXXX. As well, I advised Equifax that if they did not comply with my requests for an accurate investigation, I would proceed to file a complaint with the Consumer Financial Protection Bureau and then the Attorney Generals office if needed, due to their non-compliance. In addition, Equifax was notified that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX XX/XX/XXXX ), they may be liable for their willful non-compliance in an accurate re-investigation, that does not entail the use of e-oscar or any other automated verification method or response.
Consumer complaint received 2016-05-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Good morning, I qualified for a home modification with SPS. I made my payments according to SPS 's instructions. They gave me the principal reduction of {$76000.00}. Then they stole the money back by withdrawing the same amount, {$76000.00}, from my account. Then they lied by saying they were taking the money out for a government program. 

Now I read that SPS was given a $ XXXX Bailout on XX/XX/2009 as an Incentive Payments for Home Loan Modification. ( XXXX ). I am told they never paid that back and are not expected to pay that back. 

So, my question is, if they received $ XXXX for loan modifications but they are stealing the modification back from the homeowner and then lying to the homeowner in the name of a government program, why is the government allowing this? It seems like SPS is stealing XXXX from the taxpayers and then stealing {$76000.00} from the homeowner in the name of a government program. This is illegal, right? 

Thank you for clarifying this publicly. 

XXXX
Consumer complaint received 2021-02-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP (AR)

My mother died XX/XX/XXXX, and the death certificate was issued 2 weeks later. My sister, who is in XXXX, has been handling settling my mother 's estate. My sister and I are the sole living beneficiaries of a trust fund that was available to my mother during her lifetime. 

KeyBank, which handled the trust, helped my mother conduct a search for my brother, who had not been heard from in 20 years, in approximately XX/XX/XXXX. KeyBank recommended someone to help my mother and knew that this search found nothing. 

KeyBank is now claiming that they have no record of this search and/or this search was not done. It is obvious that KeyBank stands to benefit by this denial as they prolong the time that they maintain control of the trust so they can continue to charge fees and churn the account. There are no other complications, claims, or other impediments that prevent the disbursement of the funds from the trust to my sister and myself as stipulated in the original trust document. 

My mother trusted KeyBank so my sister and I have no independent documentation that this 'due diligence ' was previously done. KeyBank 's behavior is unethical and duplicitous. 

We want others to know that KeyBank is not an institution that is to be trusted or that will look after the best interests of their customers. We hope this agency can help my sister and myself in an appropriate and expeditious settlement of what should be an unremarkable transfer of funds. 

Yours, XXXX XXXX
Consumer complaint received 2019-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2019 I contacted Chase Bank phone customer service to have three {$34.00} overdraft fees waived due to low funds on my end to cover 3 bills. I explained I didnt have enough to cover the full negative balance. I was only able to deposit {$240.00} and my balance was negative {$27.00}. I was told there was nothing they could do. I request to speak to a manger but was told, Just to let you know, they are going to tell you the same thing I said. Horrible way to show empathy and provide great customer service. No effort was done by Chase to help me out.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my second time writing you to update my personal information.15 USC 1681 ( a ) ( 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. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.