davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-05
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. (TX)

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. 


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, has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

Coinbase is withholding my funds and not allowing me the ability to transfer them. Recently, it was brought to my attention that my account was being closed. I go to Coinbase.com and the page is a notice of closure and it instructs me to provide an external wallet to transfer my remaining XXXX, however, when I attempt to do so, it says I am denied permission. 

I have been on the chat with costumer service three times since XX/XX/XXXX. It takes hours being I am able to get ahold of anything. Trying to actually talk to something takes even longer. When I am able to chat with someone, I get contradicting information. Sometimes I am told to wait a couple of hours and others I am told to wait 72hrs. I have waiting more than 72hrs and I am still not able to transfer my remaining crypto to an external wallet.

I am running out of options. My last resort is to take legal action against Coinbase. I have {$34000.00} USD originally invested from XXXX. Because of the refusal to release my funds, I have lost profit and run the risk of losing my original investment. It seems like a simple request to allow me to transfer my crypto. Again, this was the instructions from Coinbase itself and yet I am not able too. 

Upon my own research, I have found that this is not only happening to me, but thousands of individuals dealing with the same situation and lack of cooperation from Coinbase. I honestly do not know what else to do. This is a time sensitive issue as well because of the volatility of crypto. This would not be an issue if Coinbase would just allow me to transfer my remaining crypto, as they instructed. Even though I have been in communication more than three times, I only have two case numbers ( # XXXX ) ( # XXXX ). One representative told me that the case numbers were not a thing and did not exist. I was only able to retrieve that information via my mobile application.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I recently received a copy of my Most recent credit report, and I noticed some late payments and inaccurate accounts posted on my credit report. This is incorrect and not reporting 100 % accurately. Creditor : XXXX ACCOUNT NUMBER XXXX This is paid as agreed and should not be reporting negatively on my report. 
Inaccuracy : Late payments reporting 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. Creditor : XXXX ACCOUNT NUMBER XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

My XXXX XXXX Citi XXXX XXXX XXXX issued by Citibank has been charged on XX/XX/year> the amount of XXXX for a transaction in XXXX XXXX that we do not recognize. 
Immediately upon noticing on my XXXX  account XXXX that an unrecognized XXXX  was showing as XXXX, I called XXXX  XXXX  at Citicard claiming that such a XXXX  was not made and or authorized by us. They transferred me to the XXXX department and the card was XXXX  right away and the issuance of a XXXX  XXXX  card was requested to be XXXX  to my XXXX in the XXXX. 
The XXXX  department resolved the case into the XXXX  favor only after XXXX  XXXX  of apparently a XXXX  and XXXX investigation claiming that the card was used in person at the XXXX that we have no idea about it. 
We asked XXXX  times for proof of XXXX such as XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  activity. Nothing has been XXXX  and XXXX. I have been a customer of Citibank and Citicards for XXXX  years with XXXX records and It is not only disappointing but totally XXXX  their XXXX and XXXX. I tried XXXX XXXX  times to XXXX  and XXXX to them to reasonably explain and express my XXXX. This is a very XXXX  XXXX  process that I'am not willing to face any longer nor pay for bills that I have not authorized.No-one XXXX no-one XXXX. This XXXX is not due to be paid and I wish to not XXXX  my XXXX XXXX  history due to an unacceptable XXXX  coming from a XXXX  XXXX. 
I'am requesting your help in solving this issue if possible.
Consumer complaint received 2015-09-22
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

My reverse mortgage was transferred from XXXX of XXXX GA to Champion Mortgage of XXXX MI and XXXX TX on XXXX XXXX, 2015. Since that time they have requested and I have sent them Occupancy Certificates and Property Insurance documents that XXXX never asked for. Now they have just sent me a mailing that looks to me like a marketing scam except that the heading claims that I am in default. It mentions solutions that will terminate the mortgage but never says why the mortgage is in default. I think I have satisfied all the requirements of the mortgage contract. I want to get your assessment of the situation before I ignore or contact them by phone or mail.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (FL)

I am unaware of this debt, i didn't have a opportunity to dispute this information. if in fact you believe you gave me proper notification, then please send me the Certified receipts with my name on it with my signature.
Consumer complaint received 2024-03-08
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC (WI)

I did inquire about a loan with the merchant but never went thru with the loan request due to it not meeting my needs. Merchant fraudulently opened a loan under my name anyway and has been charging my checking account anyway.
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

PayPal is now breaking their hold timeline which was already illegal, unconstitutional and unethical by arbitrarily and capriciously extending their artificial hold time on our rightfully charged/earned legal fee payments by clients first from 7 days, then to 21 days, with no rhyme or reason other than to inflate their own net worth and interest bearing escrow accounts for longer periods of time. No one will help us in the face of this unabashed theft. They are holding {$3000.00} from XXXX XXXX, and {$1500.00} from XXXX XXXX in this manner. Please intervene and release our funds for which we need to pay our bills.
Consumer complaint received 2024-05-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Neon Newco Corporation (IA)

Honestly very upset right now with this prepaid bank. 

I added {$500.00} to my account today at XXXX using the Barcode for my netspend account, i have the receipt and everything. I loaded the money at XXXXXXXX XXXX XXXX XXXXXX/XX/year> and it is XXXXXXXX XXXX XXXXXX/XX/XXXX and i STILL do not have my cash reflected in my account at all. This is actually the worst experience I've had with a bank. No sign of where my money went, the people at XXXX told me there's nothing they can do so that's not an option, tried calling netspend and they told me to visit XXXX again, which I did with no luck. I'm actually lost on what to do because my {$500.00} is not in my account and XXXX wont refund Cash Reloads. I just want my darn money back at this point, I'll probably never do business with this bank account after this situation.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (TX)

Want to do a CFPB complaint on WellsFargo Card Service dating back to XXXX XX/XX/XXXX for using misleading and misunderstanding rules for credit card interest rates. Also, I tried to workout payment plan back around XX/XX/XXXX because my annual salary was cut in half and every time I call WellsFargo Card Service for assistance for a forbearance or credit card insurance protection plan I keep getting the run around for forbearance or credit card insurance protection plan, because WellsFargo Credit Card Service didnt properly assist me the right way for getting forbearance or credit card insurance protection plan dating back to XX/XX/XXXX WellsFargo Credit Card Service forced me to file XXXX  XXXX Bankruptcy on XXXX XX/XX/XXXX and I should be refunded the amount of this credit card of about {$4000.00} to {$6000.00} dollars of unexplained interest rate dating all the way back to XXXX XX/XX/XXXX!
Consumer complaint received 2024-04-18
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)

Despite my efforts to rectify the situation, fraudulent account persist on my credit report so Im disputing the fraudulent information. This fraudulent information have a significant impact on my financial status and reputation. The investigation seems to have failed, as disputed account is clearly fraudulent. I requested an investigation but no changes were made, and no investigation was conducted. Sufficient time has been given for you to address this issue and make the necessary corrections, yet no action has been taken. I demand the immediate removal of this account. Additionally, the bank have already agreed to delete this. Not sure why theyre still being reported. Ive talked to the bank, they have my FTC Identity Theft report on file and informed me this account would be removed in 90 days. Not sure why theyre still reporting. Please DELETE the accounts below : XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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. (IN)

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no know of any of these accounts due to the XXXX XXXX XXXX data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B, this information must be blocked immediately until the investigation is over.
Consumer complaint received 2024-03-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Round Up Ventures, L.P. (LA)

I am writing to you to make a formal complaint against Lendly loan. I suspect they are breaking the XXXX  usury laws that state the maximum interest that can be charged on installment loans is generally set at 12 % maximum per annum. I noticed this when I was wondering why it was taking so long to pay off my loan when I had a similar loan with same company and it was paid off by now. But when I check online it keeps saying I owe $ XXXX over and over again although I pay {$140.00} from my check 2-3 times per month. I pull up my account and notice they are charging me a total $ XXXX on a $ XXXX loan totalling 183 %. They also claim to help credit by showing you as paid on time on your credit, etc, etc. Of all the payments I've made they've only reported me paying once or twice which has actually lowered my credit score and is making me get denied for other credit related things because it looks like to others I'm getting high loans and paying nothing on them although I pay {$140.00} two to three times per month. 

My best friend has made several of the same loans from them and agreed they've never been charged so high. I also don't recall seeing these forms until now because there's no way I would've agreed to that. I feel they have unfair lending practices that are predatory towards certain demographics and would appreciate your attention to this matter.
Consumer complaint received 2024-04-18
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. (MO)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items within the next 5 business days.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Someone stool hundreds of thousands of dollars from my USAA checking account ending in XXXX prior to and ongoing theft after the data breach. USAA claimed that my account was not affected by the databresch and that transactions were normal, but the most shocking fluctuations the reported {$57000.00} or so in XX/XX/2023 amongst other months occurred during the breach timeframe. I live in a household with XXXX XXXX children and most of the transactions are for food and normal goods our rent is {$650.00} a month and electricity is usually around {$250.00}. This is obviously a form or type of fraudulent activity. Dare I say grand larceny. I had the XXXX XXXX XXXX write them a letter USAA FSB claims they were not aware about my concerns in the complaint that they responded too.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no know of any of these accounts due to the Equifax XXXX XXXX data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B, this information must be blocked immediately until the investigation is over.
Consumer complaint received 2023-04-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is becoming impossible to submit a dispute with the TransUnion reporting agency. I have attempted online a year ago, then again this time, and the company refuses to fix their website issue, which always results in a " Dispute Temporarily Unavailable '' upon submission of the disputes, which is unavailable indefinitely. 

For a company that holds and reports financial credibility of hundreds of millions of Americans, this is unacceptable, specially for consumers with accessibility issues. 

Thanks for your support and for doing a great service.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) I am a victim of human debt XXXX, which falls under Trafficking according to XXXX-Debt Final rules1002, 142 ( b ) ( 4 ) -5 -- 1002142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within >>>>>>4 BUSINESS DAYS<<<<<<<<<pursuant to 605C of the Fair Reporting Credit Act. I am a victim of XXXX XXXX of debt bondange and would like for all listed accounts to be blocked and removed from XXXX and Equifax. 
XXXX XXXX  XXXX {$1500.00} XXXX XXXX XXXXXXXX XXXX {$860.00} -XXXX XXXXXXXX {$1400.00} According to the FCRA, specifically : 1. **Section 605B** : Requires the deletion of information resulting from identity theft.

2. **Section 611** : Provides the right to dispute information in my credit file.

3. **Section 623** : Requires that furnishers of information to credit reporting agencies ensure the accuracy and integrity of the information provided.

4. 15 USC 1681 Section 602 states I have a right to privacy.

5. **15 USC 1681 Section 604 ( a ) Section 2 states a credit reporting agency can not furnish an account without my written instructions.

6. 15 USC 1666 ( b ) 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 Despite my previous attempts to resolve this issue with both the creditor and your agency, the inaccuracies remain on my report. In addition, please note that if this matter is not resolved promptly, I will be compelled to escalate my complaint to the Attorney General 's office. This step is necessary due to the multiple failed attempts to address this matter through the proper channels. I will be waiting for 30 days before I escalate this matter any further ( FRCA section 611 ( A ) ( 1 ) .According to FRCA Section 604 ( A ) ( 3 ), please provide proof of signature giving the the approval to pull my credit report, run my credit report, or do any kind of business.

If you can not verify the debt, please remove this off my account for the THIRD TIME!!!

According to FRCA section 605 ( c ) you are in error by even updating this account! I am disputing all inaccuracies including my address.
Consumer complaint received 2023-04-11
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: Park Hill Holdings (GA)

I recently reviewed my credit report and found unauthorized inquiries.I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : Creditor : XXXX  Card Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX Date : XX/XX/XXXX & XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor : XXXX & XXXX XXXX Date : XX/XX/XXXX Creditor : Zip CO XXXX XXXX XXXX XXXX XX/XX/XXXX Creditor : XXXX XXXX XXXX  Date : XX/XX/XXXX Creditor : XXXX GA Date : XX/XX/XXXX