davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX, XXXX, and Trans Union will not remove these accounts from my credit report. I disputed it several times, but they keep telling me its verified. I have no knowledge of these accounts and also they are over 7 years old and by the FCRA any account over 7 years old must come off the credit report except for bankrupcy which is 10 years.

US DEPT. OF EDUCATION Acct. # : XXXX Report XXXX : {$9400.00} Date Opened : XX/XX/2012 US DEPT. OF EDUCATION Acct. # : XXXX Reported Balance : {$4300.00} Date Opened : XX/XX/2012 XXXX XXXX XXXX  Acct. # : XXXX Reported Balance : {$0.00} Date Opened : XX/XX/2012 XXXX XXXX XXXX Acct. # : XXXX Reported Balance : {$0.00} Date Opened : XX/XX/2012 XXXX
Consumer complaint received 2019-11-27
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. (HI)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$2000.00}, {$8900.00}, {$12000.00}, {$4000.00}, {$4500.00}, {$6100.00}, {$10000.00}, {$15000.00}, {$9100.00}, {$52.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-OPEN ACCOUNT- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-CLOSED ACCOUNTS- 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8900.00} -This is not my account.

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account.

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

-PERSONAL ACCOUNTS- 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6100.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX   XXXX, XXXX with a credit limit of {$9100.00} -This is not my account. 

-COLLECTION ACCOUNT- 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$52.00} -This is not my account.
Consumer complaint received 2019-11-26
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: EQUIFAX, INC. (TX)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-11-25
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. (FL)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2019-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-11-27
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: AMERICAN EXPRESS COMPANY (IL)

I checked my credit using XXXX on XX/XX/XXXX and noticed that there were opened and closed accounts, collections, and inquiries on my credit profile that I did not authorize and have no knowledge of how they got there. 

XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$9900.00} XXXX Card Acct # XXXX opened : XX/XX/XXXX Balance : {$4700.00} XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Acct # XXXX opened : XXXX XXXX Balance : {$0.00} XXXX XXXX  Acct # XXXX opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXX  Acct # XXXX opened : XX/XX/XXXX Balance : {$9600.00} XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$10000.00} XXXX/XXXX  Acct # XXXX opened : XX/XX/XXXX Balance : {$4400.00} XXXX XXXX Acct # XXXX opened : XXXX XXXX Balance : {$2500.00} XXXX/XXXX  Acct # XXXX opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX   Acct # XXXX opened : XX/XX/XXXX Balance : {$800.00} Illinois XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$930.00} XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX/ XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX XXXX : {$1000.00} XXXX  XXXX XXXX XXXX Acct XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-11-26
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. (GA)

I submitted three certified dispute letters to the three credit bureaus disputing two unverified accounts appearing on my credit reports. The two items in question on my credit reports are, XXXX XXXX XXXX and US Dept Of Veterans Affairs. In the prior responses from the credit bureaus they were all basically stating the statuses reported were " accurate or verified. '' On XXXX XX/XX/2019, I submitted the fourth and final dispute letters to the credit bureaus prior to submitting this complaint to the CFPB. 

I received a response from XXXX  and Equifax in the mail around the XXXX of XXXX, a credit report from XXXX  and a letter from Equifax ( I misplaced the letter and it is not include in this complaint. ) I received the response credit report from XXXX XXXX on XXXX XX/XX/2019. But, all the letters are typically stating the items were verified as accurate. I find that assertion to be inaccurate due to the fact that under the FCRA, the credit bureaus are required to have a copy of the original creditors documentation on file to verify the information on my report is mine and correct. 

In the investigative results from the credit bureaus, they stated in writing they " verified '' the items were being " reported correctly. '' Who verified these accounts? I have not been provided a copy of ANY original documentation ( a contract with my signature on it ) from any of the disputes I sent to the three credit bureaus! This is a violation of Federal Law under the FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A. ) The credit bureaus have also failed to provide me the method of verification as required under Section 611 ( a ) ( 7 ).

The law is very clear in that the credit bureaus are required to " promptly DELETE all information which can not be verified, as per Section 611 ( 5 ) ( A ) of the FCRA.
Consumer complaint received 2019-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

In XXXX XXXX, I received notification of a judgement, from XXXX, on my credit report. I tried several times to dispute the amount of judgement. Several months later, I received a letter from Portfolio Recovery Associates, LLC informing me that I can pay a lesser amount to close the account. 
On XXXX XXXX, I sent an electronic check, from XXXX, for {$450.00} to close the account and have it removed from my credit report. Its still there to this day. I have chatted and called several times asking why this account is still open? I get the same answer claiming that they don't have any detail that a payment has been made. 
After my last call, this morning, and getting the same answer. I called XXXX and a representative verified that not only did Portfolio Recovery Associates, LLC did receive the check, but also cashed it the day it was received on XXXX XXXX. I'm trying to purchase a house and this judgement is still in the way of my credit score improving.
Consumer complaint received 2019-11-27
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: JPMORGAN CHASE & CO. (DE)

I have contacted Chase multiple times to request that they remove a hard inquiry from my XXXX  credit report, and have even received a written response from them saying they would remove it. I have disputed it with the credit agency multiple times, but they say they can not remove it until Chase contacts them. Chase has claimed they would do so within 30 days, but that way over 120 days ago.
Consumer complaint received 2019-11-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

While I had this card, I was going through a really tough time in my life. I had lost my grandfather ( who was my father figure all my life ) then I had to check in to XXXX  because I was having trouble dealing with my grandfather 's death. I was hoping that they could forgive me because I went through a life-changing hardship. It was due to this fact that i became so behind on my payments. I am hoping for this chance so i can start over and start building a better credit score for my future. Thank you so much.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/2023 were all on time. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/2023 were all on time. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2019-11-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (GA)

On XX/XX/XXXX I sent an amount of {$300.00} to my account in XXXX and my bank did not accept the transaction so I requested a refund to Western Union, the same day they confirmed the refund and informed me that in 7 business days would be available on my account but after that time determined by themselves the value was not available on my account.

I returned contact with the bank and they apologized and informed me that in 2 4 hours would be available, and since then I contact them EVERY DAY, for more than a month, and they always inform me that in 24 hours will be available and it never is. Last Sunday XX/XX/XXXX I was informed of a withdrawal number in which I could go to any Western Union closest to my house and withdraw the money, but I was informed that there was no withdrawal available for that number. Every time I contact them, they ask me what my relationship was with the person who sent the money, even though I said it was myself. They can't solve my problem and I've been trying to get my money back for more than 1 month, which should only be 7 business days and they give me no positioning as to when I can withdraw this money because every time I contact they tell me that in 24 hours someone will contact me and no one will contact me.They said they were going to call me but they called me once but i said couldnt talk as i as working and they never called me back.
Consumer complaint received 2019-11-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

Summary USAA closed down two of our accounts without our consent. They sent the proceeds to the wrong address. They put a stop on the first two checks and tried to reissue those checks and send them to the correct address. There is a flaw in the their corporate check issuing department and they don't know where the checks are or if they have actually been issued. We have not had access to our money ( {$9400.00} ) for over four weeks now and do not know if we will ever get the money back. The checking account had {$5300.00} when it was closed. I was able to open an account at USAA because my father is an XXXX veteran. 

Long Version My daughter has been living abroad for the last year. She called USAA before she left in XXXX to change the address on her checking account to her new apartment in XXXX, XXXX. When she finished her degree and was about to move back, she called USAA to change the checking account address back to our home address. The person who recorded the address change was not paying attention and entered the wrong address. Unfortunately he also changed the address for the savings account as well which he was not supposed to do. 

We had neglected to sign some form so USAA closed these two accounts without our knowledge so on XX/XX/XXXX. The proceeds from those accounts total {$9400.00}. We did know this had happened because the bank statements were sent to the wrong address. The person who lived at the other address brought one of the bank statements over a few weeks later. By this time USAA had mailed checks totaling over {$9400.00} to the wrong address. We never received these checks - I believe they were returned to USAA. 

We called USAA as soon as we realized the address was wrong - that is when we found out that the accounts had been closed and the proceeds sent to the wrong address. We asked that the address be corrected and the checks sent to the new address. My daughter called back was assured this would happen. We called the next day and were told that someone would call us back with the XXXX tracking number. After no one called us back we tried again and were told the same story. When I called again, I was told that we had been sent a cashier 's check and that if it was lost we would not be able to get a new check for six months. And that was only if no one else had cashed it. Every time we call, we are told the check is in the mail ; USAA will call back the next day with the tracking number. No one ever calls us back and we call USAA again to start the whole process over again.
Consumer complaint received 2018-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/XXXX, I mailed my XX/XX/XXXX mortgage payment of {$1200.00} to Chase by certified mail. Chase signed for the payment on XX/XX/XXXX. Chase applied the mortgage payment as a {$1200.00} principal reduction payment. On XX/XX/XXXX, Chase reversed the {$1200.00} principal reduction payment and reapplied our XX/XX/XXXX mortgage payment as a principal reduction payment of {$1200.00}. I have contacted Chase daily to fix our XX/XX/XXXX mortgage payment. As of XX/XX/XXXX, Chase has not fixed our XX/XX/XXXX mortgage payment. Chase has not sent us our XX/XX/XXXX or XX/XX/XXXX mortgage statement even though I have repeatedly contacted them for our mortgage statements.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, 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. (MI)

I am in the process of refinancing my mortgage. I have reached out to 3 different lenders to rate shop. Based on the CFPB website, it is my understanding that all hard credit pulls related to mortgage shopping within a 45 day window of the first pull are counted at 1 pull for scoring purposes. However, I spoke with XXXX XXXX at TransUnion this morning who informed me that TransUnion uses a 14 day window. I had hard pulls for my mortgage on both XXXX and XX/XX/XXXX, more than 14 days apart but less than 45 days apart. TransUnion 's assessment has negatively and unfairly impacted my score with 2 hard pulls when it should not have. I would like for them to correct this error but am told they will not.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion is blocking me from obtaining my annual free credit report.I have tried many times to access, but I keep getting the message " Your report is not available online ''. Every time I call TransUnion to have this issue fix i can not speak with someone without my report number, a number I don't have because they won't let me access my report. i have a right to have my report, TransUnion should be held responsible for everyday they deny me that right.
Consumer complaint received 2017-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

I have an account with Coinbase containing Bitcoins ( BTC ) currently valued at more than {$100000.00}. Despite a history of transfers of money between my Coinbase account and my bank account on numerous occasions, Coinbase suddenly and erroneously froze my Coinbase account without explanation more than one month ago. I am prevented from selling, buying, transferring or accessing my property and also cutoff from all transaction history and other information.

After repeated prompting via emails and phone calls, Coinbase advised me that I am locked out of my account as a result of a security software error on their end and that they would look into it. That was a month ago. My Coinbase support account will show email after email ( all initiated by me ) attempting to engage Coinbase in basic dialog during this time so that Coinbase might solve this technical error. Similarly, the support records will show numerous calls ( all initiated by me ) to Coinbases phone support. At no time has Coinbase proactively contacted me, followed up or provided any meaningful response or made any attempt to fix the errors in their system in order to provide me with access to my property. Each email and call results in the same thing -- a form response of " we will get back to you. '' Coinbase does not get back to you.

During my most recent call with Coinbase, I was advised that the department that can handle the required technical fix is also the department processing new customer accounts and is very backed up with its new business endeavors. This is obviously ludicrous on its face telling an existing customer that a minor technical issue that is cutting him off from his property can not be timely handled because Coinbase would like to increase its influx of new customers. Any broker or bank or other online service would have dealt with this issue within five minutes during the initial phone inquiry.

I believe Coinbase has engaged in fraud by knowingly marketing a service it knows it can not actually provide. Coinbase markets itself as an online wallet and vault in which to safely store and use your Bitcoins. However, as shown by my situation and hundreds and hundreds of similar complaints from other users, they do not have the actual ability at this point in time to provide their services at a basic, commercially reasonable level. And Coinbase knows this. Coinbase knows it does not have the infrastructure to timely and adequately meet customer needs. They do not have the necessary resources to address even the most basic customer inquiries or to address technical issues arising from their system. Yet Coinbase continues to bring in new customers, which will only exacerbate their inability to provide the services they are selling. As a result of their inability to provide the promised services, Coinbase effectively cuts off consumers form their rightful property and forces risk of loss and lost profits on the consumer.