davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WA)

I contacted Coinbase on XX/XX/2018about my account being hacked and all my virtual currency transferred out. This was by phone. I was told they couldn't do anything as virtual currency isn't covered by their insurance. I also had money withdrawn from my linked checking accounts. The agent who helped me told me to send an email with more details and they would get a specialist to investigate. 

On XX/XX/XXXX coinbase finally responded back asking if this was resolved which it wasn't. 

On XX/XX/XXXX coinbase sent an email saying my account was closed. I ask about my transaction records etc for Taxes as I don't want to be liable for the transactions. 

On XX/XX/XXXX I get a response back saying a specialist would investigate. 

On XX/XX/XXXX I get a specialist response asking more details on what happened but no records. 

On XX/XX/XXXX I get an email saying suspicious activity was detected on my account and withdrawals would be 14 days. I still can't access my account. 

My PC was compromised by malware. I also use the XXXX exchange and they have better security measures in place. Both had 2 factor running. I unfortunately had the keys saved in my dropbox. After the initial login from my compromised PC coinbase still allowed IPs from different locations ( even out of the country ) to access my account where XXXX did not. XXXX also flagged the transactions as they weren't typical for my actions and coinbase did not. Point being the hackers tried XXXX but didn't succeed where as coinbase didn't even seem to flag anything. 

I've had my account with coinbase for years and nothing like this has ever happened. I put my trust in coinbase to help protect my virtual currency and they should at least be possibly responsible for lack of security. They convince their consumers that they are as secure as a bank which is false. I had to actually go to my bank to reverse the checking transactions to coinbase as they didn't do anything on their end.
Consumer complaint received 2024-07-05
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NJ)

Company is purposely ignoring evidence that proves my debt is not legal. Emailed Company last year and they ignored evidence sent and still trying to collect on fraudulent debt. 

Spoke with XXXX and even sent a dispute with agent over the phone. The suggested, this is a common pattern with National Credit, and legal action should be taken, as they have already proven to ignoring the evidence and multiple communications given. They do not have my permission or consent to sell my debt, yet they have attempted. 

Original creditor, sold this debt without proper communication and sent information to the wrong address, multiple times, as did national credit systems. Nothing about this is right. These are fraudulent companies trying to collect where they can. I do not owe anything on this debt. 

Multiple structure damages not fixed according to lease agreement. Apartment owners ignoring proper repairs throughout my stay. Both original creditor and National Credit Systems have been Communicated with, yet no reply to the actual evidence given. This is not legal and is financially damaging, as it remains ignored and on my credit report.
Consumer complaint received 2024-07-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Chime Inc. (VA)

On XX/XX/XXXX I transferred XXXXXXXX XXXX from a us based XXXX XXXX checking account to a XXXX based bank account using sendwave. 
The sendwave app indicated that the transfer was successfull, and that I should follow up with the recipient bank account to verify. 
As of XX/XX/XXXX, the recipient bank has not received the remitance. 
I have provided all the relevant identification and statements to sendwave to prove the above. 
I have not heard back from them about my missing remitance after they initially responded saying they are following up with their local partner.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

A purchase was made on the card, and the item was returned. XXXX did not process the credit to the account, then charged me multiple late fees. When we called them to correct the issue, they issued a credit for the item, but kept the late fees on the account, then proceeded to add additional late fees when a payment was not made. There was no additional balance on the credit card, so no payment was due.
Consumer complaint received 2023-12-15
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: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX ACCT # 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
Consumer complaint received 2023-11-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Universal Account Servicing, LLC (CA)

I joined a course called XXXX XXXX XXXXXXXX ( XXXX ) back in late XXXX of this year. Around XX/XX/XXXX. It was going great until the CEO of XXXX claimed bankruptcy. I was provided services for about half of my promised term, which was supposed to be 6 months. I only received about 4. I filed a claim on XX/XX/XXXX to cancel my loan with Universal account service because the initial company ( XXXX ) that made me go through this 3rd party, has claimed bankruptcy ( Around XX/XX/XXXX ). They were not able to provide me with the full terms of service, which has made me decide to stop paying off the loan. I payed 4 months ( From beginning of XXXX beginning of XX/XX/XXXX ) worth of payments of {$210.00} for a total of {$870.00}. I currently have a remaining balance of {$9900.00}. When it comes to actions taken by me, I call UAS about 2 times a week to get an update, and am responded with nothing but rude answers. I've talked to XXXX XXXX, XXXX, and the worst one of them all XXXX XXXX They continue to say, '' We are waiting for the merchant to respond '' or " We are in merchant review '' " You're just going to have to play the waiting game. '' But the merchant ( XXXX ) has gone bankrupt. Are they every going to get back to them? I'm assuming they're not. I have gone back to the website where I signed documents for XXXX and yet, there is nothing to be found. It's hurting my credit because it is considered a late fee. I would love to have the loan canceled and my credit saved.
Consumer complaint received 2024-07-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

This is my third attempt to resolve this issue with cfpb. 

History : I requested validation and did not receive. I sent a cease and desist. Portfolio ignored it. I sent another. Portfolio ignored it. 

I filed a complaint with cfpb. Portfolio switched my credit information from active collection to closed collection with a balance owed of more than {$8000.00} on two account but left it as an active collection with the third agency. 

Portfolio still has not validated yet still continues to report on my three credit reports XXXX, XXXX, and XXXX. 

I have already put requests in with Consumer Protection lawyers and will be moving forward with a law suit against Portfolio Recovery for violating my legal rights if this is not corrected immediately. 

Please see all proof attached.
Consumer complaint received 2023-11-30
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. (PA)

The companies below are violating code ( 15 USC 1681b Permissible Purpose ) however, I did not give my permission nor written signature to report this information to my credit report this information is not accurate and incorrect it is fraudulent. I demand that the information below gets removed immediately. 

XXXXXXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX XXXXXXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX XXXX XXXX XXXX ) {$400.00} Date Opened : XX/XX/2023 Disputed previously and the account was sold to another collection agency after being disputed and removed. 

XXXX XXXX XXXX ( XXXX ) {$420.00} {$250.00} {$600.00} Date Opened : XX/XX/2023 Disputed previously and the accounts were sold to another collection agency after being disputed and removed.
Consumer complaint received 2023-08-05
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: COMMERCE BANK (MO)

Sent letters to all three credit Bureaus and Commerce Bank but no actions nor response up yet, Unverified account and inquiries what do not belong to me are listed below is still reporting on my credit report which is a violation of Federal Law. The 3 Credit Bureaus failed to comply with the Federal Credit Reporting Act. I am sending this complaint to ask for your help to remove/update the concerned account listed below that I found inaccurate and unauthorized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NM)

I opened a new credit card with synchrony Bank, prime card in XX/XX/year>. The first payment was due XX/XX/XXXX. I made a payment from my XXXX XXXX XXXX account. Several days later I got a call saying my payment didn't go through. I immediately called synchrony and again tried to pay over the phone ( thinking perhaps I got the wrong routing number or account number ). I verified both numbers and provided the correct information again. I thought that was it. A few days later my prime synchrony card stopped working. I called synchrony and they told me it was because I had not paid my bill. Again. A. Second time the payment had been rejected. I called my XXXX XXXX  and verified the information and also noted that there were more than sufficient funds to pay the bill. 
XXXX couldn't find an issue on their end. 
Again I called back synchrony and tried to pay with a different checking account for a different bank ( using a checking debit card ). They said they couldn't process the debit card. It was decline. I called my other bank. I verified funds and they reported that the debit card should work. I called back synchrony and gave them the debit card number again. They said they could not process the payment. 
I have no late payment history and they will likely report this to the credit. 
I am livid. I have never had this much of an issue paying a bill and I have opted to write them a check and mail it to them.
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

Based on the document with the account number XXXX and dated XX/XX/2023, it appears that National Credit Systems Inc is attempting to collect a debt of {$4900.00} related to an apartment. However, under the provisions of state and federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), the recipient of this document has the right to request verification of the debt before any collection efforts can proceed. 

Therefore, the recipient is instructing National Credit Systems Inc to cease collection of the debt until efforts are made to obtain verification. The recipient further asserts that any reporting of this matter to credit reporting agencies is premature, and that negative information should be removed from their credit report until the investigative process is complete, or at the very least updated to reflect their dispute. 

It is important to note that the recipient has legal rights and protections under consumer protection laws, and any attempts to collect the debt must be conducted in accordance with these laws. Failure to do so may result in legal action against National Credit Systems Inc.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I hope this letter finds you well. I am writing to express my dissatisfaction with the recent attempt to remove accounts and public records associated with my profile. I believe that the service provided did not meet my expectations, and I would like to bring the following concerns to your attention : Despite the initial attempt, I have observed that accounts and public records are still present. I expected a more thorough and effective removal process. 

There was a lack of clear communication throughout the process. I was not adequately informed about the steps taken, the progress made, or any challenges encountered during the removal attempt. 

The process took longer than anticipated, and I expected a more prompt resolution to my request. Timely removal is crucial to protect my privacy and personal information. 

I understand that issues may arise during such processes, but I believe my concerns are valid and warrant further attention. I kindly request that you review my case and take appropriate actions to address the aforementioned issues. 

Additionally, I would appreciate regular updates on the progress of the resolution and any steps taken to rectify the situation. Please provide a detailed explanation of the measures being implemented to ensure a more successful and expedited resolution to my satisfaction. I am asking for your assistance to remove these items : XXXX  XXXX XXXX XXXX XXXX XXXX} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. XXXX XXXX XXXX XXXX XXXX XXXX} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. XXXX XXXX XXXX XXXX XXXX XXXX - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MS)

I requested on several occasions debt validation for this account. What has been sent is not debt validation and unless I can be provided with a legal document that shows where I agreed to pay this amount, as a consumer, I have the right to demand that this be removed from my credit report immediately. 

A billing ledger does not assign a debt to me and the company has neglected to include proof that they have legal authority to collect the alleged debt.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XX/XX/XXXX I made the decision to close this credit card after numerous issues with XXXX XXXX issued by XXXX XXXX XXXX. I contacted them via phone to initiate the account closure and at about the same time revoked account access to my checking account with XXXX via a XXXX XXXX XXXX called XXXX. This app enables a company to see an account holders balance and transaction history within my personal checking account. The day of that call and prior to closing the account I used the lenders app to initiate the payment of the majority of the balance due them. 

Within days of closing the account I no longer had access to the XXXX XXXX XXXX or website for current account balance and to make debit payments from my XXXX  XXXX  account as payment to XXXX  XXXX. This lender also does not accept payments pushed from my bank to them via XXXX. I should also mention that auto pay was set up on this XXXX account to ensure that a payment due was never missed. 

Based on my experience, conversation with XXXX bank and my numerous attempts to get answers from XXXX, it appears that when I revoked permissions via XXXX this lender automatically stopped sending XXXX debits to XXXX for payments whether payments I requested or auto payments. They simply stopped and as a result have reported my account as delinquent, charged erroneous finance charges, refused to resolve the issues and made numerous claims that my bank reversed payments when in fact they reversed the payments and never submitted them into the XXXX clearinghouse. 

I was able to pay them {$320.00} via check on XX/XX/XXXX check number XXXX. They did successfully apply that payment to my account but now insist that i still have a balance for finance charges. They have also reported the account as 60 days late to the credit bureaus.
Consumer complaint received 2023-11-30
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)

After receiving phones from these debt collectors companies XXXX XXXX XXXX and XXXX XXXX XXXX I was informed of a debt. I spoke with so many representatives and explained this is not my debt to both companies. I contacted all 3 credit bureaus and informed them of these fraudulent accounts and nothing has been done. XXXX XXXX XXXX is stating a car loan for XXXX not my car. XXXX XXXX XXXX is stating {$240.00} both of these companies have my credit listed delinquent, and neither one of these companies has an account with me at all and are hurting my chance of obtaining credit.
Consumer complaint received 2024-06-10
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. (MD)

Account name : XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX Account type : XXXX Revolving Account Status : XXXX Open Credit Limit : XXXX {$0.00} Date Opened : XXXX XX/XX/XXXX Payment Status : XXXX Current Monthly Payment : XXXX {$40.00} Balance : XXXX {$410.00} No. of Months ( terms ) : XXXX XXXX Past Due : XXXX {$0.00} High Credit : XXXX {$500.00} Date of last Payment : XXXX XX/XX/XXXX Last Reported : XXXX XX/XX/XXXX Date Last Active : XXXX XX/XX/XXXX 2 Year History : XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) Comments : XXXX Consumer disputes reinvestigation in progress Credit card In accordance of the fair credit reporting act XXXX Credit creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open credit plan as late for any purpose.
Consumer complaint received 2024-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (MD)

DATE : XX/XX/year>, AMOUNT : {$7500.00} ACTION : Called XXXX XXXX XXXX XXXX to speak with an agent and nobody answered or responded to my letters and voicemails for months I sent letters to XXXX XXXX XXXX, XXXX, XXXX XXXX and the letters came back. 

In accordance of the fair credit reporting act XXXX XXXX XXXX creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furish an account without my written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open credit plan as late for any purpose.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Requests sent to update my personal information and my address with all XXXX credit bureaus and as of Today XX/XX/23 XXXX and TransUnion have not corrected the information on my report. I also filed a requests for them to remove Accounts off of my report with XXXX and XXXX and TransUnion the last one was sent back in XXXX. As of today they have not removed the requested Items. I am attaching a copy of the letters I sent to them with the requested Items and the rules supporting my request and all the supporting documentation that has been sent to them on XXXX different occasion. 

I would like to thank you in advance for your time and assistance with this matter.