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: 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. (CO)

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$2400.00} on the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) When my lease ended I cleaned the apartment and left it in immaculate condition, returned the key to the main office and vacated the premises. The apartment complex alleges they had to have someone come into the apartment and clean it, and in addition they have also charged me for not returning the key which is completely false because I did return the key. The apartment complex also kept my security deposit. Not only was I charged for cleaning of the apartment I was also charged for not returning the key. I never received an itemization or bill regarding the cleaning services nor was I ever given any written documentation as to why they kept all of my security deposit. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-11-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (CA)

RECEIVED THIS NOTICE. CONTACTED YOUR BUSINESS AND FILED DISPUTE WITH XXXX ( XXXX XXXX ). SHE NOTED THAT DISPUTE WOULD BE FILED. I INFORMED XXXX THE ACCOUNT MUST BE FRAUDULENT SINCE THERE IS NO RECORD I HAVE OF MY EVER DOING BUSINESS WITH THIS CREDITOR. INFORMED HER THAT IN ADDITION, THE ACCOUNT HAS TO BE FRAUDULENT SINCE BANK ACCOUNT WAS CLOSED IN XXXX AND THERE WERE NO OUTSTANDING DEBTS AT THE TIME OF CLOSURE. SO HOW CAN A CREDITOR ATTEMPT TO COLLECT FUNDS ON A CLOSED ACCOUNT WITHOUT NOTIFYING THE ACCOUNT HOLDER? I WAS NEVER CONTACTED BY ANYONE UP UNTIL I REVIEWED MY CREDIT REPORT -- DONE REGULARLY FOR ACTIONS LIKE YOURS! THE ACCOUNT WITH YOUR CREDITOR WAS OPENED IN XXXX AND DELINQUENCY REPORTED IN XXXX -- 4 YEARS SEEMS EXTREME TO LET A DELINQUENCY SIT ON ANY BUSINESS ' BOOKS. THEN IT WAS REPORTED TO YOU ON XX/XX/XXXX. THAT'S AND ADDITIONAL 3 YEARS OF DELINQUENCY FOR SUCH A SMALL DEBT THAT SAT OPEN ON A BUSINESS 'S BOOKS. IT APPEARS YOU ARE ATTEMPTING TO COLLECT ON SOMETHING THAT IS NOT REAL. I SEND THIS MESSAGE VIA EMAIL SINCE IT'S IMPOSSIBLE TO GET A HOLD OF SOMEONE ON PHONE WITHOUT HOLDING FOR 20-30 MINUTES. MY TIME IS FAR TOO VALUABLE.
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX and Experian has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 

Waiting for a Reply, XXXX XXXX XXXX
Consumer complaint received 2019-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Certegy Holdings, LLC (CA)

I wrote a check XX/XX/XXXX, # XXXX to XXXX for {$110.00} which cleared my bank XX/XX/XXXX. XXXX ran the check 3 times. As a result I was denied a purchase at XXXX several days later as Certegy Check Services stated I had negative information on file for prior unpaid checks. I called them to find out what it was about. They said check # XXXX to XXXX had not cleared. I told them it had cleared my account. They wanted proof from my bank. I went to XXXX XXXX XXXX XXXX XXXX and had the Asst. Branch Manager fax a letter to Certegy stating the check in question had cleared on XX/XX/XXXXand  my acct. was in good standing. They still would not remove the negative info from my file stating that it would take weeks for an investigation. I asked how am I suppose to purchase food and medicine and they advised me to go the bank and get cash as checks would be denied. So, after calling Certegy many times over the next 6-7 weeks to check the status, I finally received a letter showing all the checks I had written the past two years, and none bouncing, but showed the 3 attempts of XXXX running my one check. The letter also stated that the matter was " resolved and this means that it will will not cause denial of check writing privileges. '' I have been using a new debit card since this mishap started as I was afraid of being embarrassed again at a register trying to make a purchase. Today I didn't have my debit card so tried to make a purchase with my check. I was denied again. Came home and called Certegy and was told I am a risk by first agent. The second agent said it was cause I hadn't written checks for a while, which they told me to use cash. Then I was told in might have been the amount of the check ... {$70.00}. Funny as the same place previously took a check for {$69.00} before all this happened ... I did nothing wrong. XXXX had trouble with their register and kept running my check ... Now I am paying the price. I want my account cleared!
Consumer complaint received 2023-07-12
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. (FL)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report
Consumer complaint received 2018-01-09
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: Experian Information Solutions Inc. (GA)

XX/XX/XXXX- XX/XX/XXXX I have notified original creditors and collection agencies regarding my Identity Theft and have not been able to get items blocked or requested validation of debt from original creditors as something with my signature ; all companies involved was provided with my Driver 's license and Social Security Card which they updated the information to my current address and said the account was valid even though I supplied a police report and Identity Theft report. 

XX/XX/XXXX -Experian refused to block the Identified accounts on several request and in stead placed a statement ( Account Information disputed by consumer ( Meets requirement of Fair Credit Reporting ACT ) with no deletion or verification from the company as requested even though the accounts are from the Identity Theft ; Experian did not investigate nor request documents from the creditor only says its valid.
Consumer complaint received 2017-11-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service Company, INC (CO)

Hi, I went in for my annual XXXX on XX/XX/XXXXand had my XXXX XXXX completed by XXXX XXXX. I discovered billing coding error this XX/XX/XXXXafter I was denied credit for a refinance. We I called XXXX XXXX third party collection agency Credit Service Company, XXXX XXXX XXXX XXXX XXXX CO XXXX phone XXXX, to get a copy of the bill for my doctor. The bill had a billing address on XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX I have never lived at that address or used it for mail. The only way I could get anyone at XXXX XXXX to talk to me about the billing error was to pay the bill. The collection agency stated the payment would not be acknowledged on my account for 3 to 5 business days, when XXXX XXXX gave the okay to call the debt as paid in full. I verified with the collection agency that they reported the payment to the credit bureaus, however it would take 60 to 75 days to report. I sent the proof that there was a coding error to the collection agency in XX/XX/XXXX, however they said they have not reviewed it. I spoke with XXXX XXXX today and they acknowledged that they had incorrect account information for me. I have not been able to get anyone in either organization to look at the documentation from my doctor about the billing error and now I can not get refinanced at a reasonable rate, even though my credit is paid perfect other than the billing error. Also, my wife had this debt reported on her credit, even though the services were for me. She did not sign any paperwork accepting liability for the debt.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. (TX)

I made 2 deposits into my accoount. The first was {$5000.00} and 2nd was {$25000.00}. The deposits were pending but never credited to my account. Coinbase does not respond to any emails or customer support on social media. They have effectively stolen {$30000.00} from me.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (VA)

On XX/XX/XXXX, I initiated a transfer from some money I had in " My Vault '' in Coinbase into my  Coinbase wallet. There is a 48 hour waiting period for such a transfer but I had noticed the transaction remained pending 4 days later. Therefore I emailed them on the XX/XX/XXXX wondering why this resolution has not been fixed. 

I got a response from a bot from the inquiry that was not satisfactory. I then emailed them on the XX/XX/XXXX and again on the XX/XX/XXXX. To no avail, I have not received a response still. I canceled this transfer and initiated the same transfer on the XX/XX/XXXX. It is currently XX/XX/XXXX and again more than 48 hours have gone by.
Consumer complaint received 2017-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

I called the HSBC to close my account of 2 credit cards XXXX XXXX, 2016. I specifically told them to cancel both cards and not open new ones. I then paid the balances of both cards shortly thereafter and expected to have no further dealings with the company. After several weeks I find out that 2 new credit cards were opened and charges were allowed to occur on both of them, without my knowledge or authorization. The charges amounted about {$30.00} per card, but to date, due to interest and late fees, the total is now several hundred dollars on each card. I have called HSBC multiple times this past year to try to resolve this problem and I keep getting bounced back and forth between the customer service dept. and the fraud dept. I have spent hours on the phone to no avail.
Consumer complaint received 2024-09-17
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. (AL)

I am writing to formally express my serious concern regarding the disputed accounts on my credit report. I have raised the issue of inaccuracies in these accounts multiple times and have consistently requested that they be thoroughly investigated. Despite my continued efforts, I have yet to receive any resolution or corrective action. 

The presence of these erroneous accounts on my credit report is causing severe damage to my credit profile, negatively impacting my financial health, and significantly affecting my ability to lead a normal life. These inaccuracies have resulted in undue hardship, and I am left with no choice but to once again request your assistance in rectifying this matter as a priority. 

I kindly request that you conduct a detailed investigation into each of the disputed accounts listed on my credit report and take the necessary steps to update and correct the information without further delay. Restoring the accuracy and integrity of my credit report is critical for my financial well-being, and I hope to resolve this issue promptly with your support. 

I sincerely urge you to give this matter your immediate attention and take swift corrective action. Your cooperation in resolving this issue is greatly appreciated, and I look forward to your prompt response. 

Thank you for your understanding and assistance.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WA)

Financial organization : CoinBase Through Coinbase exchange I purchased a Bitcoin from coinbase in fractions over time. When I had XXXX Bitcoin I put that bitcoin in Coinbase Vault for safety. While creating the safe I was told that it will take 2 days for a withdrawal ifwhen needed and involves approval from 2 parties ( primary and secondary ). Approval is gained by sending the email to both parties. Once the parties approve the email the extraction process starts and finishes in 2 days. 

When i actually tired withdrawing my Bitcoin the verification email did n't come to the registered secondary approver 'S email ( of my husband ) and hence the process did n't even start. All other emails from Coinbase arrive just fine ; Only the vault approval emails are not received. I 've tried all the steps suggested by their chat bot but it did n't resolve the issue. 

Tried this process many a times but I get the email for approval but the secondary approver does n't. Email address is correct as all other emails from coinbase come to both addresses just fine. 

I 've filed numerous ( 3-4 ) complains starting XXXX XXXX to coinbase and every time I get the acknowledgement of the complain but no action is done. I 've also wasted many hours on phone at their support line but never got to talk to actual person. 

My husband did some research and learnt that they time to time blacklist email accounts and hence the emails are never delivered. 
XXXX XXXX : He filed a few request to fix the email issue but to no avail. After filing the complain all we get is an acknowledgement and some pre-canned text to try self-help steps. Tried all, none worked. 


Initially it was frustrating but now it 's getting depressing to not able to withdraw my on funds. Coinbase charges a very high fee ( highest among all exchanges ) to give services but is worst in customer service. To me it costed hundreds of dollars in fee alone. 
You will find numerous Coinbase related issues on XXXX and other forums. 

I truly regret going to Coinbase. 

Kindly help me to resolve my issues. Once my issue is resolved I 'll close my coinbase account. 

I 'll be happy to provide any more information as needed.XXXX
Consumer complaint received 2018-01-09
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. (TX)

The loans as followed are inaccurately still on my credit after over 7-8 years. I was placed on XXXX after I was diagnosed with several XXXX XXXX, as well as XXXX XXXX. I would like these immediately removed from my credit report. 

There are a total of 11 accounts that are reporting on my credit report. I 've listed them below based on the open dates.

XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 8 yrs, 3 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 8 yrs, 3 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) These are all still on my report for no reason and some seem to be doubles of other ; Please remove these immediately. Thank you.
Consumer complaint received 2017-11-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (PA)

DATE OF LETTER ; XXXX They put too many obstacles in place to pay down your mortgage. Wen you set up your account for them to make pay bi-weekly thru auto withdraw from checking account they do not post payment until the whole payment is in. I was just informed they will no longer be accepting bi-weekly payment, after I set up automatic withdraws over a year ago and have been taking payments out bi-weekly that they control. I had not wanted them to have access to my account but it was the only way they would accept bi-weekly payment and post them in a timely manner. I feel that they want the consumer to spend 30 years paying the mortgage at this point and i have had nothing other then problems with this company since my home loan was assumed by them due to it being sold off to them. I have worked with many other mortgage companies and never had so many problems.my complaint is why are they dropping or saying they no longer accept bi-weekly payments and is it even legal do pull this stunt? 
i attempted to contact them but after being on hold for about a 1/2hr. i finally hung up.
Consumer complaint received 2018-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On XXXX/XXXX/XXXX XXXX XXXX reports invalid fraud lent information stating a address I did n't live within I also have proof to prove my report and also they reported I owe something to them but I do n't owe anything because I left due to domestic reasons and it was on the news. The original report was made back in XXXX/XXXX/XXXX but I am no longer even in that place and still putting unverified information on my report this information is not correct and not valid. Date of my last activity was not XXXX,
Consumer complaint received 2023-11-19
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. (NJ)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.0 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a pavment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America Prepaid Credit Card. Closed my Account and took Prepaid Money to open the Prepaid Credit Card. I was told when I opened the Account with Bank of America after one year I would be issued the new Credit Card that wasnt Prepaid. They closed my account after the year and took the money I put down for the Prepaid Credit Card
Consumer complaint received 2019-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

XXXX, XXXX XXXX SOC  SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-06-16
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)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX