davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-17
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. (HI)

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NC)

XX/XX/XXXX received letter from XXXX XXXX our account was sold to Midland Credit Center for nonpayment XX/XX/XXXX @ XXXX XX/XX/XXXX spk/w XXXX to explain problem XXXX XX/XX/XXXXspk/w XXXX re same as above XXXX XX/XX/XXXX spk/w XXXX re same XXXX XXXX  spk/w XXXX XXXX XXXX re same XXXX XXXX  spk/w XXXX   XXXX XXXX Customer Service Fraud who informed our account was closed. Will check on problem and send letter of resolution. Call  ended @ XXXX. 
To all representatives we explained we had not a received a bill, paid {$34.00} XX/XX/XXXX, which left account paid in full. Did not remember making a purchase a year before and felt if we had, we would have received a bill. 
XX/XX/XXXX received a welcome from Midland Credit Management. Also sent CEOs of XXXX XXXX and XXXX a letter describing our plight. Received calls from both. Described plight again. XXXX said bill returned by USPS unknown at address. When asked what was purchased, XXXX said no. When asked if we could see the returned envelope, XXXX XXXX  XX/XX/XXXX again said no. XXXX  also stated no further bills were sent nor any phone calls made regarding this now cancelled account. 

XX/XX/XXXX received letter informing us the amount of purchase only {$95.00}. 
XX/XX/XXXX received letter from XXXX stating as we did not provide any information or documentation we now owe {$370.00} plus interest charges.
Consumer complaint received 2019-07-23
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

On my first complaint to Capital one bank they provided a response stating that because the application was fraudulently submitted that they would contact the credit bureau to have the inquiry removed. KOHLS/CAPONE inquiry date is XX/XX/2018 is the inquiry in question.
Consumer complaint received 2019-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Rash Curtis and associates are not only unethical in their practices, failing to communicate in writing, threatening to 'sue ', 'damage my credit ' and/or poor accounting/booking practices. 
As of XX/XX/XXXX they have reported a COLLECTION of {$370.00} dated XX/XX/XXXX, on behalf of XXXX XXXX XXXX to credit bureau companies. Not only is this not a valid collections this account was closed in good standing. This error had been previously resolved with Rash Curtis & associates, in which they reported to me as 'resolved ' yet due to their poor booking practices and poor customer skills they internally mishandle accounts and now, 6.5 years later they are reporting this to the credit bureaus. 
This reporting is to my surprise as I have not received any information from them neither via phone or mail In XX/XX/XXXX due to their poor booking practices and false credit bureau reporting. I contacted Rash Curtis and associates to resolve issues in response they sent me an itemization of account in which it included XXXX XXXX XXXX as paid in full transaction.
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: Experian Information Solutions Inc. (TN)

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 2019-06-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (NC)

I have tried to contact this collection agency, CHASE CARDMEMBER SERVICES asking them several times to send me vertifiable Proof ( Original Consumer Contract with my signature on it ) stating this debt of {$2100.00} is mine. I sent ( 4 ) different  letters asking for the information to be sent on XX/XX/2019, XXXX XXXX, XX/XX/2019 and XX/XX/2019. They have failed to positively verify this account which has hurt my ability to obtain credit. CHASE CARDMEMBER SERVICES continuously sends bills and collection letters in the mail that DON'T belong to me. Under the FCRA, unvertified accounts must be deleted if the company is unable to provide me with a copy of vertifiable proof and this company is refusing to do so. Please assist in having this account removed from my XXXX, XXXX and XXXX Credit Report.
Consumer complaint received 2022-11-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TN)

Coinbase letter To Whom This May Concern, Last XXXX, Coinbase, in basic terms, stole money from my account by not allowing me to execute a sale of one of my investments which lead to around {$65000.00} being taken from my account within an instant. I have done many trades and transactions with Coinbase over the years but have never run into an issue like this. Ill give a summary of what happened first then get into more detail after. The coin I was trying to sell at a locked in price would not go through their system. I had notice that people were selling the coin as it had been popular at the time and so I tried to sell it and keep my profit, however their system must have been malfunctioning because as I went to sell it would not let me. I kept trying and trying and the price kept falling as the minutes ticked by but Coinbase would not let me sell. Eventually it dropped to a price so low and the sale was actually forced through by Coinbase, causing me to lose the amount stated. I have screenshots of this that prove it and have talked to Coinbase many times over many hours where they have admitted on record to seeing the problem but they never are allowed to let me speak to someone ahead of them like a higher up. Instead they always say Coinbase will get back with you and within minutes, without fail Coinbase dismisses my case. Despite all the evidence I have and their admissions to seeing the problem. 

The original intended sell was of XXXX of XXXXXXXX XXXX eventually went through on face value but in reality just sat in my account despite saying it successfully went through with no error codes. On XX/XX/XXXX at XXXX I sold XXXX XXXX and it shows " Completed '' with all of the information that goes with a completed sale, EXCEPT I later found out that it wasn't completed for some reason, due to your system ( Not my fault, nor my responsibility ). After discovering Coinbase 's mistake I kept trying to sell the XXXX XXXX while it continued to fall in value resulting in a loss of profit in excess of {$65000.00}. Should I not trust when Coinbase says an order has " Completed '' that it actually has completed? 

When I see an order is completed I feel I should be able to close my computer, go on a XXXX vacation and rely that the order actually completed. 

This is a very concise letter explaining everything but I can go into far greater depths than this in explaining what happened. I have reached out to a representative of the FTC and he told me that this is a common occurance and to reach out on here for a resolution. Thank you
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX, XXXX, XXXX XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : 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 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 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, 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, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX
Consumer complaint received 2019-06-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (HI)

On XX/XX/2019 @ XXXX & XXXX I did 2 transactions at a ATM owned by XXXX  ( XXXX XXXX XXXX ) for {$500.00} the first transaction which is XXXX had went through and I received the funds so I went to take out a second {$500.00} trans # XXXX and  it DID NOT give me my money it was a cash dispenser error that accrued I currently filed a Dispute with usbank XX/XX/2019 for a transaction XXXX ( atm trans # ) Usbank had disputed transaction XXXX   which is the wrong transaction number so when they got the fax back from XXXX it said no error accrued. On XX/XX/2019 usbank had sent me a statement from ATM owner XXXX showing why they denied my dispute and it clearly shows that they flied the wrong trans number they filed for the transaction I did receive. I went into XXXX which is the atm owner and they had stated that usbank indeed filed for the wrong transaction number and thats the reason why it got denied XXXX had also provided me with a case number and any additional information usbank would need to help me resolve my case BUT usbank is refusing to help me Ive called multiple times and spoken to both dispute office and my case had been also escalated and NOTHING. They make me wait the 10 days and dont notify me of status or anything I got ta call for them to tell me they will not do anything to help me and they cant file a additional dispute because the original one had not gone in my favor. They also tell me okay Ill file another dispute then tell me wait the 10 days and I call back and they tell me oh no we cant do anything. Ive spoken to multiple managers and they all been very rude especially this last one who claims to be the supervisor. XXXX! All Im asking is that they do there job and file the correct claim!
Consumer complaint received 2019-06-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc. (TX)

I have taken the liberty of typing up a letter outlining the dates and time. Here is a synopsis of what happen. I went to an urgent care facility that had been owned and operated as " XXXX XXXX XXXX XXXX XXXX '' this is also the signage on the building. However, at the time due to my illness I gave my insurance card to my brother in law and he filed out all the paperwork. Weeks later I get a bill from XXXX XXXX XXXX saying I owed them {$3700.00} dollars for the medical visit. I called my insurance company and the said XXXX XXXX XXXX was not in my network. I told them that it was not this company rather XXXX XXXX XXXX XXXX. Unfortunately they sold out to XXXX   XXXX XXXX and no longer accepted calls from the public. Everything went through XXXX XXXX XXXX. Will my issue here is they needed to take the sign down before operating as XXXX XXXX XXXX XXXX, instead of giving the impression they were still an urgent care which would have been covered by my insurance. That said, I got no help from XXXX   XXXX XXXX just a bunch of ping ponging me to different dept. So then I was told that they would work through my insurance carrier and help get this covered. Never heard any updates until Amcol reached out expressing that they were a debt collections agency and trying to collect now no longer just the {$3700.00} but also {$1900.00} for the primary doctor fees. At this point XXXX XXXX XXXX would not take my call as they said it was no longer being held as an in house debt.
Consumer complaint received 2019-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello I am disputing a account with Capital One. The reason is because on XX/XX/2019 i made a call to Capital One and they told me on call that my account was no longer open .They closed it with no notice or call. They told me the reason why they closed my account and they said because of a reverse payment caused by Fraud. The payment that made on XX/XX/2019was reverse. I feel that this matter needed to be taken care of with a notice or call before they closed my account. So the next step that I made was to contact XXXX my personal Bank account and told me that there was No Fraud Activity on my account. I return a call to Capital One to notify them that there was a mistake and that I needed my  account to be reopened. I spoke to a representative and she couldnt help me so I told her that i wanted to speak to the manager someone above and she also couldnt help me and said that they couldnt reopen my account. I feel that this situation Is a concern and needs to be taken care of immediately. I would like for my account to be reopen and continue paying for it like I have been doing. I am sending my proof of Documents to show that I have been paying on my Capital One account up to date. Please if any questions feel free to call or send me a notice of this concern and matter. 

Thank you
Consumer complaint received 2019-06-17
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: LTD Financial Services, L.P. (CA)

On XX/XX/2019, I received a notice from a debt collector. They never advised who the original creditor was! Only that they had purchased the very old account - that has toted the statute of limitations plus the seven years that they could place this account back on my credit report. I have had A-plus credit for the last 10 years. I don't owe anyone. The name of the company is XXXX XXXX , XXXX. and LTD Financial, L.P. a debt collector.
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

IamwritinginregardtothechargeoffaccountsonmycreditreportformyBankofAmerica.OnXXXXXXXXIagreedtopaythelenderwiththeassurancethatitwillberemovedoffmycreditreport,a"payfordeletion''.Ihavehadaconstantbattlewithlenderhonoringtheirpartofthesettlement.Iamrequestingthatthisaccountberemoved.Ithasnowbeenover45dayssincerequestinglenderstodeletethisaccount,therequestwasdeliveredXX/XX/XXXXthroughXXXXCertifiedMail,withnoresponse.Thelenderhaverespondedtolettersinthepaststatingthattheaccountisaccurate,andIadvisedthemIamnotdenyingit.Iunderstandthatthisaccountisvalid,butIpaidthisaccountwiththepromiseofthedeletions.IfellbehindXX/XX/XXXX,sixyearsago,becausemymotherwasdiagnosedwithXXXXandhadtotakecareofher.IthensettledonXX/XX/XXXX,fouryearsagoandsincethenIhavebeendealingwiththisburden.Ipaidfordeletion,Ididtherightthing,ratherthanjustwaitingsevenyearsforittofalloff.Sincethen,Ihavegottenallmyfinancesinorderandpaideveryaccountontimewithoutablunder.Iamtryingtoprovideformyfamilyandpurchaseahomeforusandthishashadamajorimpact.Pleasehelpmebeabletoprovideformyfamily.
Consumer complaint received 2019-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (MD)

This debt is from a 2017 XXXX account was originally the creditor the account should not have went to collections because I was disputing the amount owed with the original creditors for service I didnt order with my original contract however the creditor refused to come to some type of resolution and sent my debt to diversified collections were I just paid balance in full so Im asking creditor as a courtesy can they please remove this derogatory remark off my credit file and stop reporting this to credit bureaus Also I am currently a XXXX customer
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$2000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2019-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Transunion XXXX XXXX You all claimed to Have Verified XXXX account XXXX as I looked at this account on all 3 of your reporting XXXX  you have no Payment History listed on your report this is a violation of the FCRA! 

XXXX  You are reporting and Ok Payment On XX/XX/2019 Transunion you are reporting a 30 day late on XX/XX/2019 XXXX  Again you are reporting nothing. These accounts are inaccurate therefore must be deleted from all Three agencies Per the FCRA a consumer credit report must I repeat Must be 100 % percent accurate please delete ASAP CFBP I would Like for you to forward a copy of this Information to XXXX XXXX XXXX at XXXX XXXX HOUSE OFFICE Building Washington DC XXXX
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have submitted several disputes to the 3 major credit bureaus ( Experian, XXXX, and XXXX ), as  well as the secondary company XXXX. I know that under the FCRA, they are to properly and thoroughly investigate any and all disputes. I have received a letter from XXXX stating that they DID NOT verify the account that I am disputing, a bankruptcy in California. This account was removed from XXXX records on XX/XX/2019. 

Experian has sent me a letter marked XX/XX/2019, AFTER XXXX ' letter, stating that they have verified this same account through XXXX, the same company that has removed this from my consumer record. I was again informed on XX/XX/XXXX, after another dispute, that they have verified this erroneous bankruptcy. 

I currently have a CFPB dispute against XXXX and XXXX for the same reason. Experian clearly states on their website that they use XXXX to verify public records. So if XXXX did not and could not verify this account, how did Experian verify it if they use XXXX? This is a clear and present violation of my FCRA rights, and this shows that Experian did not properly and thoroughly investigate and verify the disputed account in question.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Good afternoon, I feel very terrible. I simply just wanted to start a credit report account with Transunion. This happened yesterday. I did not sign up for any premiums or anything like that, so why am I getting charged {$24.00} just to check a score? Come to find out I did not even have a credit score at all. I called customer service. It was bad enough that I could not understand their accent. It was much worse that they kept insisting that I signed for the one that I am required to pay. I cancelled it since I did not get any benefits, but I do have a receipt. I thought I had to put in my credit information in to confirm my subscription. How did I go from getting a free trial to paying money? 

Thanks,
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

I'm constantly seeing inquiries on my credit file inwhich I have no knowledge of and for that reason alone I'm asking that they be removed from my credit file 1, XXXX XXXX ( XXXX18 ) 2. XXXX XXXX ( XXXX18 ) 3. XXXX XXXX ( XXXX18 ) 4. XXXX XXXX ( XXXX-18 )
Consumer complaint received 2019-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES (FL)

Just a brief summary of the case : On XX/XX/XXXX XXXX XXXX XXXX filed a fraud foreclosure claiming unlawful payments out of the permanent modification agreement that they signed on XX/XX/XXXX, and which document I am attaching to this complaint. 
XXXX XXXX XXXX later transfer the service to XXXX XXXX that did follow the same pattern of returning my payments made accordingly to the Permanent Modification Agreement, and Land Home FS is also doing the same from they took the Service in XX/XX/XXXX this year. 
Because it could be that the Permanent Modification Agreement contract ruling this loan hasnt been disclosed to Land Home FS is the reason why I am enclosing the document for review ; it proofs that I have always been correct in my payments and as proved in Court I have never been in default. 
Land Home have returned all accumulated payments, including theirs, and I sent the payments back on XX/XX/XXXX including the payment of XX/XX/XXXX, according to the established modification contract, I exhort Land Home to accept the payments in order to make things straight and not let extend the length of their mishandling that could also impact their amount of Respa fines.