davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I sold bitcoin on Coinbase.com and before I could withdraw the money the account was blocked and I have not been able to log in to the account for 3 months. 

I have complained to Coinbase.com many times without success and Coinbase does not respond to any of the complaints. 

After many attempts at support I only get automatic answers back. 

Reply ] Case # XXXX - Acess to my account Case # XXXX - identity verification Unable to verify your identity + photo
Consumer complaint received 2023-01-09
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. (PA)

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 


XXXXXXXX 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 2023-01-09
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: EQUIFAX, INC. (NJ)

Someone opened a XXXX account in my name & I have been trying to get the XXXX XXXX Account off of my credit report since XXXX. This charge off/collections account dropped my credit score over XXXX points. I contacted all credit report agencies to delete this unverified account that belong to an address I do not reside and only XXXX has updated it. XXXX removed the XXXX account on XXXX XXXX, 2022. I would like compensation for the drastic drop in my credit score and the important applications I was denied during the process because I reported this account multiple times along with an FTC report and they never updated it until XXXX. Equifax XXXX XXXX has yet to update this for me. I need this fraudulent XXXX account removed as soon as possible.
Consumer complaint received 2017-05-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DE)

I mailed a Multiple  Inquiry Removal Letter  to EQUIFAX on on (   X/XX/2017  )  by certified mail in order to dispute information, in regards to  (   XXXX   ) i nquires, that is being reported on my credit report. They received the letter on (   X/XX/2017     ) and they never completed an investigation nor have they contacted me within the 30 days required by law. The request that I submitted included Inquiries that were NOT factual. According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a respon se ( NUMBER ) d ays after the receipt of my certified, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me, I did not sign anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.   I have n't been successful at getting in touch with anyone over the phone and other means to follow up with regards to my  Official Request.
Consumer complaint received 2019-05-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Senex Services Corp. (OH)

Senex Services based in XXXX, Ind have been reporting a {$600.00} medical collection on my reports to all three bureaus since XXXX. As of XXXX of XXXX, When I pulled my credit reports, I disputed said collection account and have not received verification of any masternote that contains my signature or any document for that matter with my handwritten signature. Everytime I try to verify with senex of said debt, they refuse to provide documents.
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XX/XX/XXXX I reached out to pay off a debt that popped up on my credit report that I recognized from along time ago And I paid the debt off. Then another account was mentioned by collections that I had no knowledge of was mentioned. I put in a dispute because I had no knowledge of it and now its popping up on my credit report impacting my credit
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX & XXXX will investigate this account for me to ensure accuracy Here is the accounts I am asking you to verify as accurate : CREDITORS NAME : XXXX XXXX XXXX XXXX Account number : XXXX XXXX. CREDITORS NAME : XXXX  XXXX Account number:XXXX XXXX. CREDITORS NAME : XXXX : ( Original Creditor : XXXX XXXX ) Account Number : XXXX
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

During XXXX of XXXX year XXXX i was released from my job due to catching XXXX. during that time period someone broke into the office of my job and stole my personal information which contained my SSN and my personal identification. after recently reviewing my credit report i discovered that someone used my SSN and other personal identifying information to successfully open up 4 different accounts in my name that i had no knowledge about. 

The accounts or as followed : XXXX. ) XXXX XXXX XXXX ( opened on XX/XX/XXXX ) XXXX. ) XXXX XXXX XXXX ( opened on XX/XX/XXXX ) XXXX. ) XXXX XXXX XXXX XXXX ( opened on XX/XX/XXXX ) XXXX. ) XXXX XXXX XXXX XXXX ( opened on XX/XX/XXXX )
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX Account Number XXXX ( needs to be removed ) XXXX U.S. Code 1692e - False or misleading representations XXXX Account Number XXXX ( showing different account number not accurate ) XXXX5 U.S. Code 1692e - False or misleading representations XXXX XXXX ( identity theft ) Account Number XXXX ( please removed ) 15 U.S. Code 1692e - False or misleading representations XXXX 15 U.S. Code 1692e - False or misleading representations Account Number XXXX ( removed )
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc. (GA)

In XXXX of 2019 a credit card account was opened in my name without my permission. I have never opened a credit card account with XXXX XXXX. I have no connections to this account. No information on my credit report is associated with this fraudulent account. This account was blocked from reporting on my credit report due to identity theft over 4 years ago. I woke up yesterday and saw that is was posted back on my credit report. 

I have signed no document stating that the account was blocked in error. 

I did not knowingly obtain, nor did I know that I obtained possession of goods, services, or moneys as a result of blocked transactions or transactions. Once I saw the fraudulent item on my credit, I disputed it immediately and it was removed. 

The request to block this account was not based off of material misrepresentation.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance (FL)

I have a loan with CONCORDE AUTO ACCEPT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CONCORDE AUTO ACCEPT with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part.
Consumer complaint received 2024-06-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (FL)

I just received a response from my previous complaint on today XX/XX/2024, which I disagree with. The untrained staff that you have in the phone should not be at the fault of the customer. During this partial claim process I called several times to get clarification on the terms and the payments that would be included in the Partial Claim. You can go back and listen to them. Also in those calls you can hear me say I know how the process works and nothing that they told me as correct. I asked for the terms of the Partial Claim several times which I was told that they could not give, which I know is incorrect as I have been in the XXXX XXXX  almost XXXX XXXX  I asked for the terms because I wanted to ensure that it included the XX/XX/2024 payment. I was told over the phone when I asked was the XX/XX/2024 payment included in the Partial Claim and I was told yes so please go back and review the calls. I also advised to speak to someone in Loss Mitt several times and I was told I could not be transferred and then miraculously the last time I called on XX/XX/2024, I was transferred to Loss Mitt per the representative on the phone and that is when I was told the most outrageous misinformation thus far. If I would have know that the Partial Claim did not include the XX/XX/2024 payment then I would not have signed it and would have asked for it to be re-reviewed which I know it can be done or asked for a Loan Modification with financial docs. Because I was told that it included and the Partial claim paperwork did not come with a breakdown, which by the way that is something your company should look into providing for a better customer experience ( because again you can ). 

While you XXXX not have made an error in the processing an implementing the Partial Claim, the misinformation that was constantly provided by your representatives, directly resulted in further hardship for the customer. Something needs to be done. You just can't say oh well when there have been several errors and mistakes on your part. Loancare is practicing in unfair and deceptive practices and in violation of XXXX. I have gone to the XXXX XXXX XXXX  and I will be contacting the Attorney General next. 

Additionally, another error that was located is that my monthly payment in the system shows {$1500.00}, per the partial claim and the response you just sent me my payment is suppose to be {$1500.00}. Why is payment {$41.00} more than it is suppose to be.
Consumer complaint received 2023-03-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WOLFE FINANCIAL, INC. (AR)

In XX/XX/2023 I was approved for an FHA loan by an integrity mortgage loan. After obtaining the letter of approval I begin searching for a home and found one. Earned money was given along with a deposit however I was notified two days before closing that the process was placed on hold. Be mindful that no information about my income, etc have not changed. The mortgage lender has stopped answering all phone calls emails and texts. My realtor along with the builder sale rep. has also attempted however no response. The lender has completely neglected me. Each day that I have not closed a fee cumulating. The earned money will not be given back the deposit. I reached out to the corporate of integrity mortgage however they appear biased making excuses for their employee along with the fact of him trying to push me off on another lender who is a friend of the lender in XXXX, XXXX. At this point, I believe that my race and gender play an enormous part and this issue. I would like to seek legal action on this matter.
Consumer complaint received 2017-05-14
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On   X/XX/17     at  XXXX   XXXX  PST, I calle d Capital One  Credit Card fraud dept. to report a fraudulent pending transaction of {$16.00} at FASHION OPTO on my account right after I received a phone alert from Capital One Wallet app. The person who took my call did not immediately reverse the transaction or did anything to stop it. Instead  Capital One  let this fraudulent transaction through to have it posted on my account. Today,    XXXX     , I called the fraud dept. back and was told by the fraud dept. rep that I must wait for  30-90 da ys in order to resolve this transaction.     Why should a victim, like myself, must pay for the transaction first then wait fo r 30-90 da ys whereas  Capital One  fraud dept. could have done something at the moment they got my phone call to prevent the transaction from going through the approval process? How could customers, like myself, trust   Capital One in protecting us from fraudulent activity?
I would like Capital One to quickly resolve this transaction so I can get my money back. I also would like Capital One   management to re-evaluate their process and procedure in investing fraudulent activities to improve and ensure customers ' best interest. Lastly, I want to bring it to other customers attention and awareness so they can be more informed in their decisions should they be interested in using ( or continuing using  ) credit cards issued from Capital One.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I reached out to this creditor as there are reporting false information on my credit profile, I requested proof of ownership of the account and contracts and I also requested a copy of the information that was used to verify these accounts as accurate and I was never supplied with any information!!
Consumer complaint received 2022-11-17
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. (TX)

I have reported the inaccurate and fraudulent accounts in my report, but I did not receive any response regarding their investigation. The creditor reporting the information is in violation of FCRA. The data that are showing are outdated and wrong.
Consumer complaint received 2022-12-28
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. (NY)

I reviewed my credit reports and all three have multiple inaccuracies, they are reported that my XXXX XXXX are XXXX and 160 days late but there are no 30 or 60 days payments reported. I believe these are violations of the FCRA. and have requested in writing multiple times that there inaccuracies be corrected or removed with no action being taken. I am requesting these late payments be removed from all three of my credit reports and new reports with undated information be sent to me.
Consumer complaint received 2018-04-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I opened a dispute XX/XX/XXXX with Experian and requested deletion of a collection account because it was illegally reporting. I informed EX and provided evidence that the collection company received my timely response to the dunning letter in which I disputed and asked for validation of the debt they were claiming. The CA was not showing on my credit file XX/XX/XXXX,  the day they signed the CMRR. The CA ignored my validation request but instead, on XX/XX/XXXX, violated FDCPA laws by placing a new listing on my Experian credit file with remarks stating " dispute investigation complete-consumer disagrees ; >placed for collection ''. The law is clear that the collection agency was to cease all collection activity until they responded to my request. The mere placing of the account on my report was illegal because it constituted collection activity. The comments in the " remarks '' field was also a FDCPA violation and does not meet FCRA requirements as stated on my file ; the verbiage in that field is reserved only for an existing collection account when the consumer has not timely requested validation. Placing the comments in that field was a violation because it was a newly added tradeline and furthermore, there was no completed investigation for me to disagree with because the CA ignored my demand letter. 

Additionally, I informed EX that I spoke with the company that the collection agency lists as the original creditor and was informed that there was no account in my name that was in collections. I have evidence to support. 

Experian delivered results of my dispute in 3 DAYS, on XX/XX/XXXX claiming that the data furnisher certified that all the information is accurate and the account remains unchanged. I have every reason to believe there was no investigation. 

At this point, EX has violated my rights under FCRA because it is illegally reporting inaccurate information. The fields showing original amount owed and recent balance are false. The implication that I paid the collection agency {$50.00} is false, the date of last payment is false. I provided Experian with copies of the signed CMRR and the letter to the collection agency requesting validation.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NY)

Apple Card by Goldman Sachs Bank. I got the Apple card on accident online trying to replace my phone then it turned into a credit card. Actually a pretty amazing one at that cash back was great and so was customer service till. I first got the card and my fiance wanted to come on with me so we contacted a XXXX by phone she said no problem at all XXXX XXXX well poof my apple card was gone by accident of course so i go XXXX  months maybe XXXX without it and i forget about it totally and boom it magically showed back up on my phone with a XXXX clear balance. and in fact the same day I received a letter in my mail saying they credited me {$350.00} sorry there was an error we will correct with reporting agencies as well on your behalf. Ok thank you till the day after i got my old XXXX added with the new one that i had forgotten about not having my card and all no mailed bills nothing so now my debt had doubled. Whatever I paid it off. I always pay it off on time since i had it.. Then about XXXX  months ago from today I was a victim of fraud or identity theft again and my apple id had a recovery key put on it. Well i learned quickly that a recover key is a XXXX Character Pass code they send you and not even apple can help when its lost by whomever had it from the start. I was told to buy an apple rep i had to cancel my old apple card and under new apple id apply again. I needed to pay my account balance first though of course. I must have asked this rep apple card specialists XXXX times if shes sure it's that simple cause past experience has me nervous and my home had just burned down so i needed to be certain if i pay this bill id have my balance to use again on my card for things well they did it to me again XXXX  me. The new application had failed because the rep failed to close in proper this time. well i called in to address a XXXX and i beleave thats the only place in the world Where a supervisor is less helpful than those under XXXX well after trying to close my account as advised by a XXXX. I called in about XXXX times now and XXXX of which a supervisor came on it was my full time job getting apple to treat me like a customer and correct again there XXXX up well another rep made me pay {$160.00} after the first bill of {$860.00} to close it and guess what still was not closed proper so then the supervisor to save the day again after no joke XXXX more calls in tranffered everywhere this supervisor made me pay XXXX cents and still did not close it proper. I am still Without my apple card i was promised and they still have reported on all my credit reports closed and delinquent with balance..Ridiculous.
Consumer complaint received 2022-11-17
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. (FL)

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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