davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (TN)

XX/XX/XXXX ( last year ) my mother passed away and I went to Ohio to help with her funeral and ended up paying many expenses we thought were covered by her insurance. Due to using my savings to help with funeral expenses I was unable to make my next mortgage payment. I made mortgage payments the following two months, but was still 1 month behind. At the beginning of XX/XX/XXXX I was laid off from my job. Knowing I could n't catch up the month I was behind and that I would n't be able to make any more payments until I went back to work, I called US Bank Home Mortgage to see if there were any options for assistance. I was told by the agent " Off the Record ''  that I needed to be at least 3 payments behind before they could do anything to help me catch up. I asked if that means I should just not make payments for at leas three months so I could get help. The agent said he ca n't advise me to skip payments, but " yes. '' So in XXXX I again called US Bank and applied for mortgage assistance. It was determined that I was not eligible for assistance at that time. I immediately attempted to pay 3 months ' mortgage payments to catch me up to being only 1 month behind, but the check was returned to me uncashed stating that I owed 4 months mortgage payments and they would n't accept 3 months payments because it was n't the full amount owed. I was advised " off the record '' to make sure I have no money in my bank accounts and try applying again for assistance. That would make it more likely I would get help catching up payments. So I used my savings to pay other bills XXXX while my credit bottomed out due to mortgage ). With no money in my account, I applied again. I was again denied, and told they were starting the foreclosure process unless I could come up with the total amount that I am behind..which is n't possible.
Consumer complaint received 2021-02-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I've been with coinbase for almost a year and never had any trouble transfering money. 
A few months back coinbase asked me to verify my identity with a drivers license, ID or passport. I've tried to verify it about 70 times but each time without luck. It's been a few months since i've been able to withdraw or deposit money. Theres about XXXX in XXXX on this account. So i would like to be able to manage my account. 

The verification doest work, coinbase says that my date of birth doesn't match the one on my id, drivers license or passport. But it does. I've changed the information on my profile plenty of times and again without succes. Even got a new drivers license but without luck. 

Hopefully you guys can help me out. 

Kind regards
Consumer complaint received 2024-09-11
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. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2017-08-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (VA)

I opened an account with Coinbase Inc in XXXX 2018. Since then i have been investing in Bitcoin. Now, 4 months later Coinbase Inc has put a freeze on my account stating that I must verify my identity. AGAIN. I did this at the time of account opening. I have tried at least 20 times, followed Coinbase instructions, contacted customer support ( only way is email ). 

Coinbase Inc 's actions of putting a freeze on my account is unjustified, illegal and is costing me a lot of money. This is not what they advertise. I must be able to buy and sell bitcoin as I choose, when I choose, as they coinbase boasts. The freeze on my account must be removed. Coinbase Inc 's Identity verification software/app does not work. The customer should not be punished. I am who I say I am and have provided the documents to prove it. For Coinbase to take my money, then freeze it, and state that it is my duty to fix it is preposterous. And customer support at Ccoinbase is unacceptable by any standard.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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.

TransUnion 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 2024-09-11
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. (PA)

I Requested to have these inquiries removed from through both the CFPB and the XXXX XXXX XXXX XXXX and Trans union attaching both my inquiry and identity theft letters. Without any progress or resolution. When I finally was contacted back from the credit bureaus they said they could not identify me.Although I know I attached my drivers license to the complaint. However I still followed their directions and went on each credit site to attach acceptable documentation identifying my self and still no resolution or response was given. 

XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX MEMBERS XXXX Inquiry date XX/XX/XXXX 2024
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2017-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica (WI)

My attorneys helped me prepare this complaint. 

I am an elderly woman who uses Direct Express for my Social Security direct deposits and have a debit card with them. I wanted to dispute certain transactions that I believed were fraudulent due to someone stealing my debit card. I hired attorneys to assist me with disputing fraudulent charges made on my card. Direct Express refused to talk to my attorney and myself at the same time, while we were both on conference call. Direct Express also refused to talk to me when I placed the call on speaker phone, because my attorney was present in the room. Direct Express forced me to dispute the transactions by myself. I was finally able to do so, but it was a difficult process. During the call in which I successfully disputed the transactions, my attorney was present in the room, communicating with me about what to say to the Direct Express representative, what to ask for, etc., by writing the questions down on notebook paper and holding them up to me. 

My attorneys have told me that they frequently run into this problem with Direct Express on behalf of elderly clients. Forcing elderly individuals to communicate about financial matters and make important financial decisions, without any legal representation, is an unconscionable practice.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-08-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

I have a synchrony/ amazon card that I have had and used monthly for a year now. I paid my card off in XX/XX/XXXXand did not use it at all in XX/XX/XXXX. XX/XX/XXXX I did use {$150.00} on that card with a payment due date of XXXX XXXX 2017. I went to make a purchase of {$40.00} last night using my amazon/synchrony card and it denied. I logged into my account and noticed that I had {$1.00} available to spend and my credit limit was {$160.00}!! They decreased my credit limit to just above what I owed on the card. I checked my credit score and Synchrony doing this made it look like I had maxed this card and dropped my credit score by 50 points! No letter or phone call that this was taking place. I have 3 other synchrony based cards that are all in good standing so I am confused as to how they can do this to people? I have had no late payments on my credit report or maxed cards which I know they will try to push. Not the case
Consumer complaint received 2017-08-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

My student loans were sold to Navient in XXXX and it doubled the amount of repayment. My XXXX loan had become XXXX which is too much to repay. Where I tried having repayments options and a few forbearance loans, the penalty and interest kept rising, thus causing my loans to be " un-repayable. '' This has affected my credit score mainly and is making it difficult for me to proceed with obtaining a home for my family and I. 

I have just made 10 years working in the public sector, making me eligible for loan-forgiveness. However, I do n't think that paying {$85000.00} on what was avg {$40000.00} loan is feasible. I would like any assistance that can be offered at this time.
Consumer complaint received 2024-09-11
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. (MO)

I need clarification as to why you are reporting certain information on my credit report. Please review the following ACCOUNT : XXXX XXXX  XXXX ACCOUNT XXXX YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE XXXX ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING. 
After you have finished my request, send me a copy of my credit report reflecting these changes.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2017-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

I refinanced my original mortgage with XXXX in XXXX at a high interest rate. This mortgage was modified to reduce interest in XXXX. That company sold to Bayview loan servicing the end of XXXX. The new company tool over the beginning of XXXX. This company has received payments above the amount due for my payment every month. They have been placing the additional funds in as unapplied funds even after reminding them this is to be applied to principle. They have also added a late fee to my bill even though I pay early and extra. They stated that this is not a late fee but a company fee that occurred during the transition period. Upon review of all documents they have sent there has been no resolution to this issue. I removed the twice a month auto drafts and chose to pay online the full amount I have been paying with the specific allocation for additional funds to be applied to principle. I received my statement last week and it still has a late fee listed and unapplied funds from my last payment. The statement also states that no payment is due until XXXX. It is my belief that this is also how the previous company was handling my payments upon further review of statements.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute inaccurate information on my credit report. The account in question is listed as follows : * Creditor Name : XXXX * Inaccuracy Details : incorrect account status, incorrect monthly payments, incorrect date of last payment, incorrect account type, incorrect date last active. I have previously contacted your bureau regarding this issue, but the inaccuracy remains unresolved. According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information reported on my credit file is accurate and complete. You have broken my rights under the consumer law 15 USC 1681e ( b ) Duty to Provide Accurate Information. Please confirm receipt of this letter and provide written verification of the actions taken to address this dispute. I trust that you will handle this matter with the urgency it requires. Thank you for your immediate attention to this matter.
Consumer complaint received 2018-06-03
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. (OH)

XXXX Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX   XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX  XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX  XXXX XXXX XX/XX/XXXX 11 ) XXXX XX/XX/XXXX XXXX  Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XX/XX/XXXX 4 ) CXXXX XX/XX/XXXX 5 ) XXXX  XX/XX/XXXX 6 ) XXXX XXXX XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XXXX, XXXX. XX/XX/XXXX 11 ) XXXXXXXX XXXX XXXX   XX/XX/XXXX Experian Unauthorized Inquiries ; 1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XXXX  XX/XX/XXXX 6 )  XXXX XXXX  XX/XX/XXXX 7 ) XXXX  XX/XX/XXXX 8 ) XXXX XX/XX/XXXX 9 ) XXXX XX/XX/XXXX I have contacted each of these companies. Was informed by each that I needed to talk to credit bureau 's about removal. Sent letters to each of the 3 bureau 's by certified mail. To date nothing has been resolved.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-11
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX