davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$960.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX and XXXX for XXXX XXXX XXXX and XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX for XXXX XXXX XXXX  XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (RI)

Subject : Inquiry Regarding Unrecognized Credit Pulls Dear Teletrack, I hope this letter finds you well. I am writing to request clarification regarding several recent inquiries on my credit report that I do not recognize. 

After reviewing my credit report dated XX/XX/XXXX, I noticed the following credit pulls which I do not recall authorizing : XXXX XXXX - XXXX pulls XX/XX/XXXX ( Never inquired ) XXXX XXXX - XXXX pulls XX/XX/XXXX ( Never inquired ) XXXX XXXX  XXXX pulls XX/XX/XXXX ( Never inquired ) XXXX XXXX XXXX - XXXX pulls XX/XX/XXXX ( Never inquired ) XXXX XXXX XXXX XXXX pull XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge offs 1 pull I am concerned about these unrecognized inquiries as they may affect my credit score and overall creditworthiness. I kindly request that you provide me with the details of these inquiries, including the name of the requesting party and any relevant information regarding the nature of these requests.

Furthermore, if it is found that any of these inquiries were made in error or without my consent, I would appreciate your assistance in removing them from my credit report.

Please let me know if you require any additional information from me to assist in this matter. I look forward to your prompt response.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
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. (NY)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-20
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw XXXX. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but XXXX XXXX insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked XXXX if XXXX verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. XXXX violated my rights by opening an account without verifying my identety.
Consumer complaint received 2017-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXXXXXX XXXX XXXX is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw XXXX. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but XXXX XXXX insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked XXXX if XXXX verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. XXXX violated my rights by opening an account without verifying my identety.
Consumer complaint received 2017-12-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I received my Department of Veteran 's affairs XXXX determination XXXX XXXX XXXX. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX veteran. Thus, I am exempt from paying property taxes on my primary residence in the state of Texas. 

I have contacted Freedom Mortgage several times in regards to the retroactive escrow adjustment, and to adjust my monthly payment amount to include the tax exemption. They have not adjusted the balances on my account, and as a result they are continually harassing me for a XXXX XXXX payment that is grossly inaccurate.
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (CA)

Starting yesterday, XX/XX/XXXX, I received a call from ( XXXX ) XXXX. I did n't answer it, but looked up the number. It came from XXXX XXXX XXXX, who are notorious for attending to collect on " zombie debt '' that has been sold to them and was written off many years ago. I received another call this morning, XX/XX/XXXX,  and again did not answer it. This relates to a small ( less than {$200.00} ) debt that I disputed at the time, refused to pay, and was long ago written off by the company. 

Please inform XXXX that they are legally not allowed to harass me about this matter. I will be sending them a certified letter with return receipt stating the same thing. Any assistance you can provide would be greatly appreciated.
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NJ)

In XX/XX/XXXX, I checked my credit report and saw that XXXX XXXX XXXX was reporting that I owed XXXX {$200.00}. I contacted them by mail to validate the debt. They did not provide legitimate proof all that was provided was a final bill statement. I contacted CCS and asked the customer service rep how the debt was validated - she stated by name and address. 

I paid my final bill for XXXX when I switched over to XXXX on XX/XX/XXXX after my renewal premium with XXXX went it up. The only notice I got from them was for a renewal amount and that was to be paid if I chose to renew my policy with them. That amount was {$550.00} I joined XXXX on XX/XX/XXXX. 

So, I 'm at a lost as to how I owe XXXX/XXXX XXXX XXXX XXXX I did my part by contacting XXXX and letting them know that I wo n't be continuing service with them. If something was lost in translation during that time that 's not my fault as XXXX was the one who dropped the ball. 

I have statements for all my payments to XXXX and I 'm asking for full validation, because its been two years and XX/XX/XXXX was the first I 'm hearing that I owe anything.
Consumer complaint received 2017-12-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

CoinBase I tried to withdraw XXXX from coinbase to binance. It should be verified within 30 min. However, after several hours, current status in still in pending with 0 verification. I also tried to verify my identity numerous of time during the last several months, so I can withdraw the invested money. However, coinbase failed to verify the information despite all the information had been provided. Now, I would like to transfer everything out of coinbase and close my account. Thank you.
Consumer complaint received 2017-12-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A. (OR)

I received an email from a debt collector XXXX, saying that I owed {$14.00} on a PNC bank account. I called PNC and they told me that they were not allowed to tell me the balance of the account or the reason for the charge over the phone. 

PNC told me that I owe {$14.00}, and that in order to fix this problem, which I still have no information on, they need me to travel to a branch and solve it in person. However, there are no PNC branches in this State. So according to the employee I spoke with my only option is to travel out of state, find out what the {$14.00} charge is for, on an account I did n't know I had, with a balance that is unknown.
Consumer complaint received 2017-12-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (OR)

I received an email from a debt collector TrueAccord, saying that I owed {$14.00} on a XXXX XXXX account. I called XXXX and they told me that they were not allowed to tell me the balance of the account or the reason for the charge over the phone. 

XXXX told me that I owe {$14.00}, and that in order to fix this problem, which I still have no information on, they need me to travel to a branch and solve it in person. However, there are no XXXX branches in this State. So according to the employee I spoke with my only option is to travel out of state, find out what the {$14.00} charge is for, on an account I did n't know I had, with a balance that is unknown.
Consumer complaint received 2017-12-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Shortly after XXXX I open an account with Coinbase to trade digital currency. After setting up the account and sending them a small test deposit I wired a larger amount for {$10000.00}. When I attempted to trade they required a second level of identification verification. That step failed and I have not been able to either complete the trade or get my money back from them. For over a month now they have kept my {$10000.00} in Hold and I have not been able to access it. They have told me to open a support ticket and has been open for over a month now. Phone support does not help and they keep telling me it has been escalated to the highest possible level. It is not right that they have been keeping my money unavailable for this long. They provide me no other solution then to just keep waiting. I am more than willing to provide them any information they require
Consumer complaint received 2017-12-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: IMMEDIATE RECOVERY GROUP, INC (TX)

a phone number has called me and my family and my JOB saying I am being investigated and will be served papers and a complaint will be filed in my county ( which nothing has been filed ) I called the number back to ask what the name of the company is and they would not tell me who they are. All they said is they are the division of processing and kept asking me for a case number. She refused to give me a company name. I do receive threatening call like this all the time. In the past I paid two loans off and it was to a scammer instead of the proper people. It seems I am on a list forever and ever now of con artist trying to extort money from me. XXXX XXXX has also contacted me threatening the same message.
Consumer complaint received 2024-10-21
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WY)

I looked at my credit report on XX/XX/XXXX2024 and noticed some inquiries I did not authorize the following inquires I didn't allow them to inquire into my credit please look into this matter and help protect my federally protected rights. XXXX XXXX XX/XX/XXXX2024 global lend XX/XX/XXXX2023 ally financ XX/XX/XXXX2023 XXXX  XXXX af XX/XX/XXXX2023 XXXX  XX/XX/XXXX2023 XXXX XXXX  XXXX XX/XX/XXXX2023 XXXX XX/XX/XXXX2022 XXXX  XXXX  XX/XX/XXXX2022 these XXXX inquires are unauthorized please help
Consumer complaint received 2024-08-21
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WENT TO CAR DEALERSHIP AND THE DEALERSHIP PUT MORE INQUIRIES THAT I DIDNT APPROVE, HARD INQUIRIES ON REPORT,
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX Account Number XXXX UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EX/RT.
Consumer complaint received 2017-12-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NV)

This morning I tried to send all of my XXXX from Coinbase to a hardware wallet. I always send a small amount first to make sure the address is correct and that transaction was instant but when I tried to send the rest, XXXX XXXX at XXXX PST to XXXX it 's just sitting in the " PENDING '' status. Coinbase has no customer support you can even contact about this issue but on the support part of their website this is what it tells you, " If you sent litecoin from your Coinbase account and it 's still pending, this may be an error on our end that we 're working to resolve shortly. Please know that your bitcoin is safe and will be broadcast to the bitcoin network soon. We definitely appreciate your patience! ''