davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

XXXX XXXX XXXX, I deposited {$100.00} into fiat account to make trades. I immediately withdrew the funds XXXX XX/XX/2021 at XXXX because the way it works is you deposit funds into XXXX account and use that to make trades but on XXXX XXXX, after depositing funds into XXXX and making two trades, they *again* withdrew funds from bank account - which is NOT usual, normal procedure - and this is what made me immediately withdraw the {$100.00} I deposited within a 10 minute time frame.

Contacting Coinbase, they sent 5 emails saying it would take 10 days and the funds would be credited back to account. I NEVER received the " confirmation '' email and it has now been 16 days with no receipt of the funds. I have sent over *10* support emails since XXXX XXXX, but no one responded back until XXXX XXXX, where they asked that I submit a bank statement showing date of transfer through to current. I uploaded this file on XXXX XXXX and sent ANOTHER support ticket and I still have not heard back. I am a reasonable person and understand that these things take time, but the normal procedure for withdrawal from Coinbase fiat account back to personal bank account is the standard 3-7 business days.

There are thousands of people on the internet saying that this has happened to them as well as having their accounts locked with no access to their funds or cyptocurriences and that they can get no response from Coinbase. 

I was told in the email XXXX XXXX that they would send my statement to " Payment Specialists '' who would find the money, but from the comments on the internet, it seems that this never happens as there are many comments on the internet speaking of the " payment specialists and getting no answers or monies returned. 

I joined their platform in good faith, followed their rules. but they are now not responding. All I want is for them to return my {$100.00} to my account as they have been claiming they would. They have given time frames of 3-5, 5-7 and 10 days, and have even closed out a few of my support tickets saying " case resolved.

I have all correspondences, screenshots of my account showing withdrawal and bank statement showing it was never redeposited. I filed a complaint with SEC who then told me that I should contact FTC. I have now filed a complaint with the FTC and am filing this complaint here with CFPB.

I feel that there is something hinky going on at Coinbase and they are not being straight with their consumers. They *NEVER* answer support tickets and are giving multiple stories as to what is happening. 
At best, they are very shortsighted by not having proper, correct customer services. At worst, they are thieves. And while the {$100.00} won't make or break me - it's the principal of thing. 

Thank you for your time. 

Sincerely. 

XXXX
Consumer complaint received 2021-03-18
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC (PA)

False Promises and Incorrect Information.

Transworld Systems Inc. promised they would delete this account from my credit as I paid it, and it is a utility, during Coronavirus. They are still reporting that account. I wrote them a letter asking them to keep their word. That letter was returned to me. They reported the wrong address to XXXX. They have totally misrepresented all facts associated with this account. I DEMAND JUSTICE!
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NY)

Good afternoon evenjng I, as well as many others, have been affected by the lack of communication of Chime Bank regarding our stimulus funds. I received an email from them on Saturday stating they had received a payment towards my account from the XXXX  and I needed to submit documentation ( ID and XXXX Tax Return ) in order to verify this funds belonged to me and they could be released. The email also says if I did not respond within 24 hrs the funds would be sent back to the XXXX. I sent them the information requested and as of today I have not gotten a straight answer from them regarding the funds. The XXXX get my payment states I should be expecting my funds today XXXX XXXX.The total of my stimulus is {$5600.00} On calls I made to them on Monday they stated they could not see any money pending on my account ( even though I havr proof the email says they do ) and directed me to the get my payment tool even when I told them I already did and my funds should be there by the XXXX. I also received an email saying it takes 2 bussiness days to verify documents and to wait for a resolution within those 2 bussiness days. On Tuesday they told me they were still verifying but they could see my funds on hold pending the verification and I should expect a resolution Tuesday at the end of the day, if I did not see anything by today then give them a call again. 


Today ( Wednesday ) I called and got 2 answers. One was that they were still " verifying '' the information and they were sorry it was taking so long, that they could not promise I would get my funds today ( even though the XXXX  had it to be released today and they have been having my funds since Saturday per the email sent to me ) that I could get them today or tomorrow, maybe. The other answer was that the documents were still being verified and that she could not see my money as pending that the staff on the phones can not see any money pending only the staff that works with the email part ( but she was able to see my emails though ) regardless of me telling her 2 other representatives assured me they saw my funds and even told me the funds were from the stimulus payment and not the tax refund. 


I am not the only person with this issue and all they do is ignore you if you try to communicate through the app, they open a ticket and close it as resolved even though they never respond or they give you the answers I stated above if you happen to be able to talk to them on the phone. We need help, I personally need this funds my husband is XXXX and so is my son and them holding onto our funds with no explanation is absurd. Please help.
Consumer complaint received 2021-03-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (TX)

I applied for a refinance of mortgage that I have been paying on since 2017. The property once belonged to my deceased son, through probate court I became executor of the estate. The mortgage company listed my name on the monthly mortgage statements. On XX/XX/XXXX I applied online with the XXXXPHH Mortgage Services mortgage for refinancing of the two mortgages ( loan XXXX and XXXX ). I wanted to get just one mortgage at lower interest rate and backed by my VA certificate since I am a veteran. After receiving no communication from XXXX/PHH Mortgage Services, I checked the status of my loan application and it showed there was two tasks to complete but huge red bar at the top stating " inactive ''. There was no explanation why it was inactive or rather the loan was denied or what other reasons. This home has sentimental value to me. I wanted to assume or purchase it under my name as well as with my daughter as co-borrower.
Consumer complaint received 2021-03-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

Select portfolio servicing for XXXX XXXX has {$370000.00} principal payments I made to two mortgages from XXXX XXXX XXXX XXXX XXXX. They returned {$83000.00} -apparently from my escrow account and then kept all of the {$350000.00} the buyer gave me for my house in XX/XX/XXXX. 
The pay history shows a new loan of {$270000.00} I did not sign and no one gave me. There is a {$230000.00} loan disbursement that I believe paid off the real mortgage that XXXX XXXX  failed to release.because of this I now owe about {$30000.00} in taxes and penalties on {$120000.00} I had to take from my retirement to close on the new house. I bought the old house for {$260000.00} in XXXX. I put {$60000.00} down and mad {$620000.00} payments. I sold it for {$360000.00} and spent my retirement to buy a {$210000.00} house.
Consumer complaint received 2024-09-09
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. (OH)

i recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all informatin with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> ). i'm now requesting you to investingate this account and update these payments to paid on time immediately. THANK you for understanding and prompt actions. Also the account has been closed to. i just want them to update that it was on time.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

An old collection has not been removed from all of my credit reports. A debt for XXXX from XXXX XXXX XXXX was removed from my XXXX report earlier this year, but it still appears on my XXXX and Experian. It should be removed from all 3.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (TN)

I filed a complaint in XXXX about this company incorrectly reporting information about my account and my due date and amount due being inaccurate. The Claim number is XXXX. They still have not responded to the complaint and now they are reporting it erroneously on my credit report. They are showing the account 84 days past due when it is only due for the XX/XX/2021 payment.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently refinanced with XXXX XXXX  XXXX and my first payment was due on XX/XX/XXXX. I went to their website on XX/XX/XXXX to make the payment and their system would not allow me to make just the XXXX payment, it required me to make XXXX & XXXX. I was forced to make both payments because if I didnt, then I would be penalized with a late payment. The next morning, XX/XX/XXXX, I called them to see if I can adjust the payment to just XXXXXXXX payment and pay XXXX at a later date. The representative on the phone advised me to cancel the entire payment and he would then transfer me to someone else to re-do the payment to just cover XXXX. I was very concerned that if I cancelled, they would report it late on my credit report but the agent reassured me that they would not report it late. I agreed to cancel and he transferred me to make the single payment. When I tried to make the payment with the next agent, she told me that they no longer had my loan and it was transferred to another lender and I was unable to make the XXXX payment with them. When I called the new lender, they advised me that it would take at least 10 days to see the loan in their system and told me to call back then to make the payment. Now XXXX reported me late for the XXXX payment and I am requesting they remove that late payment from my Transunion credit report. The XXXX agent gave me incorrect information. If you check the records, my payment was made on-time ( not 30 days past due, it was 29 days ) and it was cancelled the next day. It is unfair to force consumers to pay 2 months before the month is technically over. If it was not for the agent giving me the incorrect information, my credit would not be effected.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I was not able and spent several hours trying to contact Experian Credit Bureau to unfreeze my credit report using repeatedly both telephone and internet. There is no way to contact them. The other 2 credit agencies make it easy and take only a minute. There is something wrong with Experian. Date XX/XX/19
Consumer complaint received 2024-09-09
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. (CA)

I am filing a complaint against TransUnion for failing to conduct a proper investigation into my disputes and for accusing me of using an unauthorized third party to submit my requests. Additionally, TransUnion failed to respond to my second dispute letter. I mailed two separate dispute letters to TransUnion, disputing inaccurate personal information and accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. 
The first letter was mailed on XX/XX/2024 ( USPS certified mail tracking number XXXX ), and I received a response dated XX/XX/2024. The response stated : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' The second letter was mailed on XX/XX/2024, but I have not received any response from TransUnion to date. 
According to the Fair Credit Reporting Act ( FCRA ), TransUnion is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that TransUnion has violated my consumer rights by failing to investigate my disputes, falsely accusing me of using an unauthorized third party, and not responding to my second dispute. 
I am including copies of my dispute letters, along with TransUnions response ( or lack thereof ), as proof of my complaint. I am now demanding that TransUnion immediately and permanently remove the disputed items from my credit report.
Consumer complaint received 2021-03-17
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. (TX)

This debt is being reported in my credit report in Error. 
I had direct communication with XXXX stating that the amount of XXXX being reported was an error and was removed from my account.
Consumer complaint received 2024-09-09
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. (SC)

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. 

XXXXXXXX XXXX : # XXXX, has violated my rights. 


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 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am disappointed about the fact that I have initiated so many attempts to try and reach out your company about this concern- which none has been resolved so far. I don't know if this is intentionally ignored, but I am more down than I have been the past years because of these inaccuracies affecting my credit scores.
Consumer complaint received 2019-07-31
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: EQUIFAX, INC. (NV)

My personal credit report was compromised .. I did not allow any of these companies to check my credit report. Inquiry done is illegal and must be removed from my credit file. Given the growing cases of identity theft, I'm sure you'll agree with me that if failure to verify such inquiry needs to be stopped. Please remove XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-13
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-09-09
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2019-07-31
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This problem with Equifax has started back around XX/XX/XXXX when I filed a dispute against the record they filed on my credit report as XXXX XXXX XXXX. To this day XX/XX/XXXX it is still listed on my credit report as reinvestagton in process. I was disputing that XXXX listed different amounts where it says Past Due and the amount thats charged off. What is also inaccurate is the last date of payment. The last payment I had made on this account was XX/XX/XXXX. Under the fair credit reporting act any investigation that takes over 30 days must be removed. By this incorrect information staying on my report i a paying 14 % interest on the new car loan that Im current on now. I get lower credit offers than what i should qualify for otherwise.
Consumer complaint received 2024-09-09
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.