davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-30
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXXXXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
11XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

12. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
13. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ).

2. My Current Address is ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX has been reporting a XXXX charge on my credit report with all the bureas especially Transunion since XXXX and I disputed the charges with them at which they did nothing. Then I filed a police report they still didnt open a investigation finally I disputed it with transunion and have been since XXXX and they have left that fraudulent charge as a bad collection account in my credit file when I am the victim and had my account paid in full. when it happened and they never did a fraud investigation or helped me they just report on my credit Bureas that its collection charge off as if I owe the money. I am and was a victim of identity theft and they never disputed it
Consumer complaint received 2021-01-31
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: MECHANICS BANK (IL)

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. MECHANICS BANK, Inquiry : XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2021-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (TX)

We close our refinance for the house located at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX on XX/XX/XXXX with the First American Title ( Tel:XXXX, website : https : //www.firstam.com/rep/achandler/index.html ). The refinance company is XXXX XXXX XXXX Email : XXXX, Phone:XXXX FaxXXXX, Website : XXXX XXXX XXXX. MUD and property tax XXXX should be paid out by First American Title according to the refinance however, as of today XX/XX/XXXX, First American Title hasn't paid XXXX XXXX XXXX Texas ) the XXXX XXXX XXXX  XXXX tax which amounts to {$1200.00} if by XX/XX/XXXX. I and the refinance company XXXX have contacted for many times since XX/XX/XXXX Thursday which is the day I got the reminder notice ( available upon request ) from the County, but they never responded to me telling me what kind of remedy they will take to address the issue. Now my XXXX account is already in delinquency status. If the issue can't be solved in the very quick manner, a lien will be placed on to the property in question by the county and eventually my credit will be hit badly. Final CD and Tax certificate are also available upon demand.
Consumer complaint received 2021-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

On XX/XX/2021 morning, I initiated to sell XXXX XXXX. I received email notification on XX/XX/2021 XXXX EST that the sell process for XXXX XXXX has started at the rate of {$47000.00} / XXXX. Coinbase fee is supposed to be XXXX and I get XXXX. Per their website, selling to a XXXX destination is supposed to be instant. However it was not the case. Around that time when there was a bitcoin price surge, the Coinbase website was having issues. A lot of people are unable to do transactions and some are seeing their accounts go to XXXX. I was one of those whose balance is showing XXXX. 
When the outage was supposed to be fixed, I still have XXXX balance remaining however I see on the recent transaction history that on XX/XX/2021 XXXX XXXX  EST, I completed a transfer of XXXX XXXX at a price of {$47000.00}. Per the transaction history, it was sent to XXXX with note indicating " XXXX '' and total transaction was supposed to be {$7100.00}. As it was supposed to be instant according to their document I checked my XXXX account but there was nothing. 
I checked my email and there was a cancellation email with time indicating it was delivered at XXXX XXXX  EST. that said : " On XX/XX/2021, you attempted to sell XXXX XXXX for {$7000.00} on Coinbase. However, this transaction was canceled. 
There are a variety of reasons why a transaction might be canceled. Please feel free to try again. '' However I am unable to try again because my balance is showing XXXX. 
I sent email to support and got an automated response for ticket XXXX. 
I sent direct message to coinbasesupport at XXXX but got no response. I sent message to @ coinbasesupport at XXXX but it was not even read. I've checked whole day and account is still XXXX and no response from support. I followed up the next day and got another automated acknowledgement email for ticket XXXX and still no response and still have XXXX balance. Fast forward 2 days later today and I still did not get a response and I am out of my bitcoin balance and still no money in paypal.
Consumer complaint received 2021-01-31
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: AmeriCollect (GA)

AMERICOLLECT INC Reported : XXXX XXXX, 2021 {$1000.00} There are no contracts, no valid claims ... account was settled original with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2024-10-19
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: Experian Information Solutions Inc. (GA)

There are several erroneous errors reporting late on all three major credit reports for my XXXX XXXX account. XXXX, XXXX and Experian are reporting that I have paid late from XX/XX/year> to XXXX of XXXX. This information is false and I have supporting documents to show the payments that were made to the company that bought the XXXX  XXXX Account, XXXXXXXX XXXX XXXXXXXX! The XXXX credit bureaus are also not reporting that I have made a payment in XXXX of XXXX.
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America charged my credit card {$29.00} back in XX/XX/2020 for no reason from XXXX XXXX. I disputed this charge with them multiple times and every time they agree it's fraud and say they will remove the charge but never do and everytime they tell me I need to wait a month until it will be fixed on my account. For more than 2 months now I've called them multiple times that this charge is fraud and their representative says the amount will be removed but never is. 

Bank of America has now sent this amount to collections which they said they would not do since it was an unresolved fraudulent charge. 

Bank of America is not protecting their customers from fraudulent charges.
Consumer complaint received 2024-09-07
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. (FL)

Hi- to whom it may concern I just checked my credit profile for the first time and noticed there are unauthorized inquiries that i believe someone stole my information.. Attached i have filled a identity theft report my records and your use. XXXX XXXX XXXXXXXX IS ALSO ATTACHED. 

inquiries - 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (TX)

RentDebt is Reporting a debt that I dont owe. I sent a Debt verification letter to rentdebt asking them to verify this debt. Rentdebt sent my a signed lease. That doesnt justify I owe them anything. Rentdebt is Reporting to all 3 credit bureaus that I owe them {$2100.00}.

I sent a debt verification letter to XXXX, XXXX  and XXXX. All 3 Credit bureaus came back verified. 

I went to XXXX XXXX XXXX XXXX XXXX complex to see why I owe them {$2100.00}. They informed me that they didnt have any information about me owing them anything. 

Rentdebt has not properly verified this Debt of {$2100.00} but continues to report to all 3 Credit bureaus
Consumer complaint received 2021-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (TX)

In good faith I used my XXXX credit card to pre-pay for a car ( rental ) using their website last weekend. Once I arrived at the XXXX  XXXX  place I was then charged {$300.00} additional dollars, and told that XXXX had only sent them {$50.00} of the {$200.00} that I pre-paid them for the car and the Insurance. When questioned, the gentlemen at the XXXX  XXXX  placed mentioned that I should call XXXX because they are fully aware that the insurance that the offer does not work in Colorado, does not cover the entire amount needed. I called XXXX at least 3 times and was informed by three different agents that because the " rental '' was non-refundable I would not be able to be refunded. Due to the contract not being honored, the manager at the XXXX XXXXr place refunded me and I never accepted the car rental. I was not to have to pay anything for the car since it was pre-paid, and since they required me to purchase additional insurance because as they put it XXXX knows that their insurance is not sufficient, I was refunded and let out of the contract and was forced to rent somewhere else. They sent me off with a receipt showing me that XXXX failed to pay them the entire amount for the car and that they refunded me what they could. Since the contract was not honored, and I was forced to rent otherwise I believe XXXX should refund me for the pre-paid purchase of a rental car. Since XXXX is not an honorable company I will like the full refund, placing the card back to a zero balance so I can close out the account.
Consumer complaint received 2021-01-31
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible thank you for your time.
Consumer complaint received 2021-01-29
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. (NY)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2021-01-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (GA)

I have been trying to obtain a full payment transaction history for my car loan at PNC Bank since Monday XX/XX/XXXX. I have an online account, and the full payment history is never displayed. On Monday, XX/XX/XXXX, there were only XXXXwo payment transactions displayed. I called them and notified them that I need the full payment transaction history to send to My GAP Insurance Company for my claim on the total loss of my car, which would pay off the car loan that I owe to PNC Bank. The customer service representative said that she would send my full history by mail. I did not receive it. 
When I looked back online on Monday, XX/XX/XXXX there was a partial payment history for one year on my auto loan. I called again, on Monday, XX/XX/XXXX, and explained to them that I had not received my full payment history by postal mail, and that only a partial history was shown online. Again, the customer representative said that she would send the full payment history by mail. I have not received a full history online or by postal mail as of XX/XX/XXXX. 
I called again on Saturday, XXXX, XXXX, XXXX, and asked them why they would not show my full payment history online or send my full payment history by mail. The representative transferred me, and there was no response afterwards. PNC has never shown a full payment history online for my account, and removes the payments from my account online. 
In addition, my Car Insurance company had to send them a check for the actual cash value of my car twice because they had the check for almost a month, and the check was not cashed. The first check was sent on XX/XX/XXXX. I thought my car insurance company sent it to the wrong address, because the payment had not been posted to my account. I then had my insurance company three-way call PNC Bank to verify that the address was correct. It was correct. I explained to them that they keep calling and emailing me about the payment, but that my insurance company had already sent them the check. PNC had not cashed the check which had been in their possession for almost a month. My insurance Car Insurance company had to stop payment on the check sent XX/XX/XXXX, and reissue another check on XX/XX/XXXX, which was finally posted on XX/XX/XXXX.
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

A company called lexisnexis is preventing me from buying an umbrella policy based on the fact that a piece of construction equipment gave me a flat tire. See the report attached. XXXX should be ashmed that they treat customers this way as well. I want lexisnexis to remove the ridiculous report and XXXX to approve the umbrella for a XXXX year old PERFECT driver mom of XXXX kids with a PERFECT RECORD. This is TOTALLY ridiculous unsubstantiated and should NOT BE ALLOWED!!!!!!
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

Experian In opt out by letter and CFPB and on my Report # XXXX for XX/XX/2021 shows Clarity Services INC/XXXX/XXXX/XXXX XXXX shows XXXX has all these soft inquires. I opt out with Experian. I did not request or ask Clarity for n.o services by phone internet or contract or ask for any credit of any form. 
I have also filed with the US Attorney office and file a police report for fraud on Experian/Clarity If Experian opt out all this fraud would not be going on
Consumer complaint received 2021-01-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management (NC)

Amerifinancial has two collection accounts one for XXXX and one for XXXX. At the time of service I had insurance and contacted them. When my insurance company XXXX  reached out they told them they only saw the XXXX when I disputed with the CB they come back accurate. The XXXX has been removed from my XXXX  but not my XXXX  .. it appears to not be reporting correctly at all. I'd like this information to match across all reports. Per HIPAA and them not being about to provide information anything from them should be removed
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

on XX/XX/2019 my bill did not go thru company saw the payment tryin go out but never got notify so I can not get a mortgage because of that and the company wouldn't help me get these fix.
Consumer complaint received 2021-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (TX)

I received a letter from Mountain Run who purchased a debt from XXXX/XXXX. Mountain Run Solutions says I owe XXXX and the account number is XXXX. I never had any such account with this company. I did a bankruptcy 2 years ago. I have since sold my house and never purchased any brinks account. If I had purchased from them it would have been included in my bankruptcy. I know I never had an account with either company. They also failed to send notice of debt, before going to debt collection agency.