davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

I first received a bill for I believe over {$3000.00} worth of damages from XXXX XXXX XXXX XXXX  that were mine. I told XXXX that I was shocked to hear this as I did not damage the vehicle at all. After contacting my former insurance company ( XXXX ), they investigated the matter and found that XXXX failed to conduct a final walk-thru with me, therefore I was not liable to pay anything because there was no proof that the damages were done by me. 

One XXXX was made aware of this, they sent me a bill for the {$750.00} stating that this was the amount I owed for the damages done to the vehicle. I explained to XXXX that XXXX XXXX notified them and myself already, stating that I did not owe any money due to there not being any proof that the vehicles damage came from me. XXXX continued to send me bills for {$750.00} for which I was told I do not owe and will not pay. Currently, the bill is with Transworld Systems Inc., a debt collect agency.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am rewriting to formally resubmit the complaint to TRANSUNION regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Consumer complaint received 2022-01-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (MO)

I received a check from the XXXX XXXX Redress Administrator based on an order from CFPB to pay out. The check was dated XX/XX/XXXX however I didnt receive check until XXXX and it was damaged. I contacted company and was told to send check in with letter of explanation and a new one would be sent. Its been over 4 months and I still have yet to receive a replacement check. The amount is {$180.00}. The account number is XXXX and my name is XXXX XXXX.
Consumer complaint received 2020-11-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

I did an international wiring {$77000.00} with Chase local branch manager to wire to XXXX in XXXX XXXX on XX/XX/XXXX, but recipient has not heard anything about the fund ... 
XXXX requested my compliance information twice. After Chase sent out to them on XX/XX/XXXX and XX/XX/XXXX, there is still nothing heard back from XXXX. 
HSBC hold my fund and don't respond to Chase inquiries. 

So, Chase recalled the fund back on XX/XX/XXXX, Still no result so far till today, XX/XX/XXXX.
Consumer complaint received 2021-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (VA)

On XX/XX/2021 I made 2 purchases of {$50.00} each of Bitcoin on Coinbase ( total {$100.00} ). 

On XX/XX/2021 Coinbase withdrew {$50.00} three times from my bank account ( total {$150.00} ). 

I have sent several emails requesting a refund of the third {$50.00} withdrawal. 
All I get in return is a generic email with no name attached telling me that the issue has been resolved, but it has not. 

They still have not deposited a refund in my Coinbase account or in my bank account as of today, XXXX 

Apparently no one has actually looked at my account to resolve this. 

Also I have received these dismissive responses for other inquiries. They just send an email saying the " case '' is closed. Less than helpful customer service. 

Thank you for your help. 

XXXX XXXX XXXX
Consumer complaint received 2021-05-16
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: EQUIFAX, INC. (MI)

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  XXXX  and the Creditor ( XXXX  XXXX XXXX XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (MD)

They used my SSN and used this to deny me credit due to my credit score with XXXX. I was denied an extension of credit by Apple Card- through Goldman Sachs Band on XX/XX/2022. They have proclaimed an adverse action against me as a consumer. Pursuant 15 USC Code 1691 ( c ) and they assume civil liability, pursuant to 15 USC Code 1691 ( k ).

They have violated my federal protected consumer rights : 15 USC Code 1642 ; 15 USC Code 1681M ; and 12 CFR 1002.
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On Tuesday, XX/XX/2021, I found out that I could not access into my account with Coinbase. I tried several times to login to no avail. On XX/XX/2021, I received a message in my computer from Coinbase acknowledging my efforts to login without success. They said in the message that I will receive a telephone call from Coinbase, to help me to login in my account. On Tuesday, XX/XX/2021, at XXXX XXXX., I received a telephone call from XXXX XXXX identified himself to be an employee of Coinbase and he was calling to help me with the login. He requested my personal information, the password for my email account. He knew my password for Coinbase. He told me that I have to wait to use my password for 12 hours. That he will call me on XX/XX/2021 at XXXX p.m. to verify that all was in order. 
He left a telephone number XXXX XXXX XXXX XXXX. On XX/XX/2021 at XXXX XXXX. I called that number to find out that it was a bad number. On the same day XX/XX/2021 I received an email from Coinbase informing that the {$23000.00} in Bitcoin has been transferred to an unknown person or account. 
It is obvious that someone with Coinbase, Inc. perpetrated the theft of my money. 
I hold Coinbase, Inc. directly responsible for this theft. I request to be reimbursed for my loss forthwith.
Consumer complaint received 2019-04-11
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PNC Bank N.A. (MD)

I was scammed. I met a guy on XXXX dating site. After months of communicating, he claimed he couldn't get into his bank account in US, ( he was suppose to be working on a building a mall in XXXX ) because he had been hacked before. 
Two months later he came up with a plan to to put me on his bank account and I would cash the check to pay his workers so that he could return back to US. He had checks made from XXXX XXXX  in my name. I thought he was sending a check with our name on it. Checks come to me with only my name on it, he tells me to write a check for {$4900.00}, deposit it and he would call his bank to clear it. He told me to go the next day take out {$4600.00} and put into another account. I wasn't able to do that because we didn't have that bank in Maryland. He told me to place money in a book and place in a box and mail to an address. I mailed it. That night my bank card declined. I tried to stop the mail from being delivered. Too late. I went to bank and explained what had happened, got a police report. I know I am responsible for paying this money to the bank, but I don't have any money now. I lost my money also. I need an attorney but I can't afford one and I don't know what I am suppose to do. The bank has me down for fraud.
Consumer complaint received 2020-11-05
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (TX)

The communication tactics by XXXX XXXX representatives were obscene and abusive. I called to make a payment over the phone and I was told that my attempted payment amount was absurd and that I should get a job and stop being lazy, among other hurtful language. To top it off, The representative, XXXX, told me that my feelings dont matter to the world and I was better off not in it. This is all during the COVID-19 pandemic and it has been very difficult to find work anywhere while keeping my spirits up. I am also a future XXXX XXXX XXXX who will soon be in a position to protect and serve my country. It pains me to receive this type of verbal abuse knowing I will be protecting this kind of behavior.
Consumer complaint received 2021-04-16
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. (CO)

Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX XXXX - XXXX ; XXXX  XXXX - XXXX ; COLORADO XXXX AND XXXX  - XXXX ; COLORADO XXXX AND XXXX - XXXX ; and XXXX XXXX  - XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2018-04-20
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: Bread Financial Holdings, Inc. (OH)

On XX/XX/XXXX an account with XXXX XXXX was opened and closed XX/XX/XXXX I talked to several reps a XXXX  and XXXX told me it was my account I asked how was it mine and the phone number that was attached to the file wasnt mine! Which was XXXX my number is XXXX Ive submitted a police report with XXXX and they still will not remove the file from my credit report! XXXX and XXXX took the item off.
Consumer complaint received 2021-03-29
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. (TX)

On XX/XX/XXXX, I sent a letter regarding Inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60/30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-28
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. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (PA)

Discover is now requiring all credit card customers to link any Discover bank accounts with their " single login ''. I do use online access for credit cards but I never use online access for any banking. Why? Because the risks are so different. It is useful to check merchant actions to the credit card and my risk is limited to {$50.00} by statute. There is no limit to risk with on-line banking and the convenience over paper is minimal.
Consumer complaint received 2021-04-10
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. (IL)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION (TN)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2021-03-29
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Bella Sloan Enterprises (PA)

I paid Bella Sloan interprice over {$1000.00} to help repair my credit in witch he said he I would see result in about 6month. 6month after I paid him I reach out to him regarding the services he promised me, he claim he will need more then 6month, so he said 8month maximum is what he needs. Now that its been 9month so I reach out to him for a refund he refuses to give me a refund
Consumer complaint received 2024-08-28
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. (GA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Skopos Financial, LLC (TX)

I am writing to formally request a reinvestigation of late payment notations on my account, referenced above, which were previously confirmed by your institution in response to a dispute initiated with the credit reporting agencies. The dates of the reported late payments are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX respectfully request that you reinvestigate these late payment entries under the provisions of the Fair Credit Reporting Act ( FCRA ), particularly focusing on the following : Accuracy and Completeness of Reporting - Under FCRA Section 611 ( a ), consumers have the right to request a reinvestigation of information on their credit reports. You are required to ensure that the information provided is accurate and verifiable, especially in light of FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that furnishers of information must not report information that they know or have reasonable cause to believe is inaccurate. Furthermore, under FCRA Section 611 ( a ) ( 5 ) ( A ), any unverifiable or inaccurate information must be corrected or deleted within 30 days of receipt of this reinvestigation request.

Reasonable Investigation Procedures- As outlined in FCRA Section 623 ( b ) ( 1 ), furnishers of information are required to conduct a reasonable investigation of disputes and must report the results to the consumer reporting agencies. If your records do not fully substantiate the late payment entries, these must be corrected and removed from my account and updated with the credit bureaus.

Validation of Billing Practices - Additionally, I request validation of compliance with 15 U.S.C. 1666 ( b ) concerning the timely mailing of periodic billing statements. It is my understanding that billing statements must be delivered not later than 21 days before the payment due date, per the Truth in Lending Act ( TILA ). I kindly ask that you provide documentation evidencing compliance with this requirement for the dates in question. 
Procedures to Ensure Accuracy - Per 15 U.S.C. 1681e ( b ), consumer reporting agencies and furnishers are obligated to maintain reasonable procedures to ensure the maximum possible accuracy of the information being reported. I am requesting an explanation of the procedures your institution follows to guarantee the accuracy of the late payments reported to the credit bureaus.

Please provide a detailed response regarding your findings, including copies of all documents used to verify the late payments and the procedures followed during the reinvestigation
Consumer complaint received 2021-04-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (VA)

The Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXXXXXX XXXX DE XXXX phone : XXXX. This company is charging XXXX dollars a month in interest fees. The charges amount to at least XXXX percent of the original balance. An original bill of XXXX is now XXXX. This is simply not right. The company refuses even to settle. I did sign up fo a revolving account.