davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

i start too doing business with the company in the XX/XX/XXXX with XXXX, next in XX/XX/XXXX XXXX, XXXX  XXXX XXXX, when i try to start doing trading the company not allow me too buy or sell any curency, next the unlinked my bank account and not allowme to conect again and making imposible too withdraw or recover my fund. i send at least 3 email and i have provided any document they want and need. the just dont want too give me my money back
Consumer complaint received 2024-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: FIRST AMERICAN MORTGAGE TRUST (MI)

TWO ESCROW CHECKS CASHED AND I MADE POLICE REPORT XXXX NOW YESTERDAY ON AN CALL WITH XXXX XX/XX/XXXX AT XXXX XXXX MINUTES SPOKE TO THEIR IDENTITY THEFT FRAUD DEPARTMENT CLAIMS XXXX HE CONDUCTED IDENTITY THEFT CLAIM AND ASSIGNED CLAIM NO. XXXX. FIRST AMERICAN TITLE COMPANY AND XXXX ALONG WITH ALL PARTIES PLEASE STEP UP AND PAYOUT THESE CLAIMS AS YOU HAVE STOOD ON FRAUD 20 YEARS AND MY MORTGAGE ACCOUNT PROPERTY WERE STOLEN BY AN FAKE SSN NUMBERS XXXX AND XXXX WHICH IS PAID UP IN FULL TO XXXX  XX/XX/XXXX FOR XXXX AND XXXX XXXX XXXX XXXX XXXX ATTACH LOAN NO. XXXX TO MY LOAN AT XXXX  TO XXXX XXXX XXXX  AND ARE TOLD ALL OF MY 20 YEARS OF MISSING SSI AND 15 YEARS OF UIA BENEFITS ARE WHERE XXXX XXXX PUT TWO CHECKS INTO THAT XXXX XXXX XXXX ACCOUNT IN XXXX, AZ SAME AS XXXX XXXX MOVED HER OFFICE TO A YEAR AGO AND HE WERE FOUND TO BE USING MY LAST NAME AS XXXX XXXX. HE STOLEN MY IDENTITY AT XXXX XXXX XXXX MY PROPERTY AND WERE SUCCESSFUL FILING TO CLAIMS WITH XXXX XXXX FOR XXXX EACH XXXX AND XXXX LEGALLY FILED WITHOUT AN ANSWER. ON OR AROUND XX/XX/XXXX SPOKE TO XXXX  XXXX XXXX INTERNAL AFFAIRS FRAUD INVESTIGATION  XXXX AND HE SAID FOR THE 15 YEARS YOU HAVE NOT BEEN ABLE TO GET YOUR UIA BENEFITS HOW MUCH WOULD YOU SAY YOUR CASE IS WORTH AND I SAID XXXX AND HE SAID XXXX IT WILL BE AND I AM PUTTING IT IN THE SYSTEM. HE DID SO BECAUSE ON MY NEXT 10 CALLS TO XXXX  THEY CONFIRM THAT THEY COULD SEE IT IN THE SYTEM POSTED.
Consumer complaint received 2017-05-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (PA)

JCP  Credit Card abusive tactics : On   XX/XX/XXXX   I purchased several items with the credit card and pay the bill in cash before leaving t o Puerto Rico for  several weeks.     When I returned it was already past due. I tried searching for my receipt and I was unable to find it.     They called from multiple numbers with a per-recording stating that I was going to be recorded. They did not identified them self when I asked. There is a lot of fraud going on with these types of calls so I did not provide information or payment. These calls were at all hours from different  XXXX  numbers or area cods.      JCP c redit ca rd ( Synchrony Bank ) de creased my credit limit from  XXXX  to to the amount I owed plus the over charge fee, in order to hit me with additional charges. So instead of just reporting a late payment, by decreasing my credit limit they charged the highest fee and damage my credit twice.     Instead of {$45.00} dollar credit, I ended up paying aroun d  XXXX  JCP ta  kes  no responsibility and just tells you to call : Synchrony Bank  XXXX   XXXX   XXXX .  XXXX   XXXX   ,  OH  XXXX
Consumer complaint received 2023-06-14
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. (FL)

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2022-11-29
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. (NV)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX  XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance XXXX {$4800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2024-03-25
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. (TX)

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-06-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (VA)

On XX/XX/2024 I made a purchase transaction on the Coinbase platform for the digital asset XXXX. I have used Coinbase in the past and my bank information had been previously validated. Coinbase informed me that transfer of the XXXX would be restricted until XX/XX/2024 which made sense as they required the funds to settle form the XXXX transaction with my verified bank account. As I waited for XX/XX/XXXX, I received an e-mail from Coinbase on XX/XX/2024 indicating Coinbase observed suspicious activity on my account and were freezing my assets until XX/XX/2024. Specifically, " Based on this monitoring, we are concerned you XXXX have sent, or are trying to send, crypto to a fraudulent person or platform. '' However, the only transaction or attempted transaction has been to purchase the XXXX assets ; no attempts to transfer off their platform. 

I contacted Coinbase who would offer no explanation why the assets were frozen other than it was " for my protection ''. They stated I could sell the assets and transfer to my registered bank, but no method for me to transfer the assets of their platform until XX/XX/2024. I asked for the process for escalation and review and they said there was none. 

I understand their desire to protect against fraud, but I assured them that this was not fraudulent activity. They did not offer any process or method other than to wait until XX/XX/2024 to transfer. I generally do not trust my digital assets on brokerages and store them on an offline hardware wallet that I maintain and control. I am appalled that a brokerage can freeze my assets, effectively holding them hostage, while offering no escalation or resolution other than " just wait until XX/XX/XXXX. ''
Consumer complaint received 2024-03-28
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)

I am writing to dispute the presence of a fraudulent account on my credit report. Despite my previous efforts and submission of evidence regarding identity theft, these erroneous entries continue to persist. It is my understanding that the failure to address this matter violates regulations governing credit reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: OneMain Finance Corporation (NJ)

Complaint against ONE main financial XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX I obtained a secured loan with my vehicle as collateral and rest of loan was supposed to pay off my credit cards. The rest was given to me as a check. It was a very easy process. A couple days ago XXXX XXXX. I was given option in the payment portal to open a larger loan to payoff current loan. I filled out information this time my son cosihned so his credit card would get paid off with excess funds. I was reapproved online for XXXX I didnt need or want that big of a loan. In the morning XXXX the manager of One main in XXXX XXXX had XXXX call me and rudely say they cant approve me because it isnt a good idea even though the computer online approved me after I uploaded me and my sons income plus they ran credit reports for us both. XXXX the manager is always rude to me when I call there because of prior disagreements for him paying my credit card off in beginning so he doesnt like me not my wife. Anyhow I wasnt satisfied and called corporate to explain that XXXX said I couldnt get a new loan corporate ran the numbers and income etc and said I could. A couple hours after speaking to XXXX the woman from corporate called back and said It will be approved but for lower amount. Then she called back stating she didnt have my income so I need to upload. So I did upload then next morning they said I wasnt approved because my sons income was less than what we uploaded?? I uploaded it again and they got correct income then they said I couldnt get the loan because I need to prove my son gets his income by uploading full bank statements for his income. I felt exhausted and felt they were playing with me by this time. Then the woman from corporate texted me saying she wants the full bank statement and I better not edit the income and dont take screen shots. Omg I was so frustrated I texted her back told her she is discriminating against me and accusing me of fraudulently editing income!! My sons income is only XXXX so I have then the direct XXXX  income award monthly letter and they say Im editing it and then she keeps saying to resubmit the whole bank statement.. I havent uploaded the statement because I feel they are deliberately harassing me because of XXXX my son and I income are enuf to get approved and they know it. This is discrimination in lending
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

ACCORDING TO THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT 611 ( a ) 15 USC 1681i ( a ), these disputed items must be reinvestigated or deleted from my credit report within 30 days. During the investigation preiod, these item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am requesting the names, addresses ad telephone numbers if individuals you contacted durning your investigation.
Consumer complaint received 2021-03-14
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 a dispute with equifax regarding XXXX XXXX MasterCard. I received the investigation stated that its been verified as my debt. Which is incorrect. I also disputed with XXXX, XXXX requested that equifax remove this account off my credit. Equifax does a poor job with investigation the company has addressed it yet equifax states its my debt unbelievable. In addition I submitted my address equifax has a different address
Consumer complaint received 2017-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (FL)

Applied for PayPal Credit in XXXX XXXX, 2017. I was denied. I called and was told that they needed to verify income and that i would receive an email with a link that would take me to a site to input the pending income information. The email arrived with the link broken. No way to get to this site. I called and was told that i would have to wait 10 days for a letter in the mail that would provide a new link that would work. The letter arrived and the link still did n't work. I called and wrote PayPal and  i get the run around. Nobody can do anything. According to their support people the whole process is system based and the humans cant do anything. I have a credit application that should have been approved on the spot ( 750 credit score ) yet I am going in circles trying to get anyone to show me where to send the income information to complete the process.
Consumer complaint received 2022-11-29
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. (NV)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX  ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX  XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance XXXX {$4800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2024-04-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (FL)

Company contacted me multiple times about debt. Offered a settlement, then when I was unable to commit to there amount. I was told my account is being sent to the credit bureaus in a couple of days. This occured on three phone calls.
Consumer complaint received 2017-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunio n Consumer Relations     XXXX   XXXX   XXXX       XXXX , PA  XXXX  This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting  Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded  and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under   Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of th  e verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.     Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.     Name of Account : Account Number Provide Physical Proof of Verification :  XXXX   XXXX  Unverified Account-No Contract   XXXX   XXXX    XXXX  Unverified Account
Consumer complaint received 2023-06-14
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. (GA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

In regards to account reporting as : XXXX XXXX XXXX or XXXX ( account XXXX XXXX )
Consumer complaint received 2017-05-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have been a victim of identity theft, and someone used my information to obtain a  Loan  through  XXXX  thru on-line and other services like mobile phones. This started in   XXXX   when my information somehow was compromised during a data breach or similar because   XXXX   XXXX   XXXX  , and  XXXX  all sent out warning letters to me. I travel a lot, and during this time I did n't pay attention to my credit report, and now this is affecting everything in my life. I 've processed what is required of me to mend this problem and get it resolved through the proper channels. It 's been over 30 days and still no resolution from my last set of documents.
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (NV)

In accordance with the fair credit reporting at XXXX  account number XXXX XXXX XXXX XXXX amount of {$13000.00} ( XXXX ), XXXX XXXXXXXX XXXX  amount of {$13000.00} ( EQUIFAX ) has violated my rights. 

I dispute this debt and its inaccurate information. The credit type on this particular account reads as a XXXX XXXX. That information is wrong and should read as a CREDIT SALE. 
I also dispute the late payment and payment history as it reads that 0 % of payments have been made yet it displays a last payment as of XX/XX/2019. 
This account reads that I have late payments but it also reads as a repossession. I can not possibly have a late payment if the property has already been taken back and resold. 
I deserve the right to an accurate credit file and this inaccuracy is unacceptable. Please removed this debt and inaccurate information immediately. 

Statue 15 U.S.C 1681 section 602A states I have a right to privacy.

Statue 15 U.S.C 1681 section 604A states a consumer reporting agency can not furnish a account without written instructions from the consumer. 

I am the consumer and I do not give permission to furnish information on my report at this time.
Consumer complaint received 2017-05-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

When I was  XXXX   years old  ( 6 years ago ) I signed my first lease for my first apartment. After having my apartment broken into, possessions stolen, and in fear of my safety I made the decision to break my lease, I gave them notice and I even paid the last months rent ( which I was not there for ) thinking that it was settled, but apparently not. They say I owe {$950.00} or some odd amount stated in my lease which I have reviewed my lease and do not see that anywhere, this has put a dent in my credit and the debt collection company is reviewed as terrible. They buy small debts and try to make hundreds of dollars off of them. Please help me! Thank you. The name of the agency comes up as  Natlcrsys on  my credit report. I tried to settle with them for {$250.00} and they claimed they would n't accept anything less than {$640.00}. Which makes no sense and is not fair.