davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NY)

Hi I faced a problem with Coinbase cryptocurrency exchange. And not only me as I found out. I have sent USDT cryptocurrency to Coinbase USDC wallet of my account. Then I have contacted the both companies and had the replies : XXXX- we are not able to help you with the recovery unless Coinbase  will send us a direct message confirming your deposit and address along with the permitiin to recover the funds for you. XXXX regards, XXXX Coinbase automated answer- Coinbase is unable to retrieve this cryptocurrency because we currently do not support it. Regards, Coinbase support.

As we can clearly see, it is easy to recover the funds. It just depends of attitude to the customers and authorities who bond cryptocurrency exchanges to follow the standard business practices. There never was just adequate response from Coinbase and they feel free to ignore the customers keeping customers money on their account. 
You are the part of the Gov what we elected. Please act to protect fair people.
Consumer complaint received 2020-11-11
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. (NC)

THESE LISTED ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME, SOMEONE USED MY INFORMATION TO FRAUDULENTLY OPEN LISTED ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regardless of the multiple written requests, the unverified accounts listed below I do not consent to XXXX or any means of automated verification, are still reporting on my credit reports in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-01-17
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. (IL)

This complaint is in regards to a creditor, i.e. 
XXXX XXXXXXXX XXXX, placing unauthorized inquiries upon my credit profile. I have been trying to reach resolve for over eight months, to no avail. I have sent letters demanding that they furnish proof and remove it, only to receive a generic response ( see attachment containing correspondence ). I will mention that, despite sending multiple letters, I only received a response from the company on one occasion-which was several months ago. I also contacted the three major credit reporting agencies, to which they responded that the information will remain on my credit profile-even after I demanded they furnish proof-without either actually furnishing proof within the requested timeframe ( see attachments dated XX/XX/2023 to bureaus ). I will also supply correspondence from the investigation results from credit reporting agencies. They are attempting to allow inaccurate information to remain on my credit, going against my rights to fair and accurate reporting. Please help.
Consumer complaint received 2022-11-14
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2022, I received an email congratulating me on a new Kohl 's card that I did not request or open. I immediately called the Kohl 's charge services number and reported the fraudulent card. I was told someone from the fraud department would reach out to me via call or email. I asked whether the account would be closed immediately or at least blocked until the investigation was completed and it could be closed. The representative just said, " don't worry, ma'am, they will handle this correctly. '' I never heard from anyone and then received the physical card in the mail ready for activation. This was over a week after my call. On XX/XX/2022, I called the Kohl 's charge number again because even though I disputed the inquiry on my credit reports, the account still appeared as one of my accounts. This could have been prevented by closing the account on XX/XX/XXXX as I requested due to true identity fraud. When I called in XXXX, I was told the fraud department wouldn't have reached out to me and that the information I was provided was incorrect. I was given a separate phone number to call instead of connected directly to the fraud department. The account should never have been opened, and my credit report should not be affected by the identity theft that occurred. The inquiries were not even posted yet when I called in the first time.
Consumer complaint received 2020-11-11
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. (NY)

My name is XXXX XXXX and I am a victim of identity theft. I am sending this so that i may have the fraudulent accounts removed from my Experian credit report.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Transunion has been reporting XXXX XXXX XXXX collections balance incorrectly. XX/XX/XXXX - XX/XX/2023 reported XXXX XXXX XXXX XXXX as CLOSED then started reporting again. XX/XX/2023 Transunion sent me a letter stating my balance as past due {$360.00} but the original balance is {$360.00}.
Consumer complaint received 2020-11-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (GA)

I applied for a refinance mortgage loan with AmeriSave in late XX/XX/2020. I paid a {$500.00} for fee and appraisal. I have repeatedly been requested to submit additional financial info and now have realized that the this company does not use common sense in this pandemic environment and does not want to do the refi.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regardless of the multiple written requests, the unverified accounts listed below I do not consent to XXXX or any means of automated verification, are still reporting on my credit reports in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I will continue to dispute my credit report for errors until corrected. I will not respond to any letters sent, only response will be conducted through CFPB site only. 
Furthermore, I have not seen any corrections or been provided with the requested information to validate alleged obligation. I have filed complaints with FBI and other regulating authorities.
Consumer complaint received 2024-03-20
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 bring to your attention a matter of utmost urgency and concern. I have recently discovered that I have fallen victim to identity theft. Subsequent investigations have revealed that three credit card accounts were illicitly opened under my name with XXXX XXXX XXXXXXXX, each bearing substantial balances. 

I have never been a client of XXXX XXXX XXXXXXXX nor applied for credit cards with the aforementioned institution. I realized this fraudulent activity when I sought a loan, only to be informed by my loan officer and real estate agent of these unauthorized accounts. 

I promptly took the necessary steps to address this egregious violation of my privacy and financial security. I have lodged a formal report with the XXXX Police Department, expecting swift action and resolution. It is imperative to emphasize that I vehemently oppose any frivolous reporting of fraudulent or derogatory accounts on my credit profile, especially considering my complete lack of association with XXXX XXXX XXXXXXXX. 

Upon meticulous examination of my credit report, it has come to light that the first unauthorized account was initiated in XX/XX/XXXX, the second unauthorized account was initiated in XX/XX/XXXX, and two additional accounts in XX/XX/XXXX. This unequivocally qualifies as identity theft, as these accounts were established without my knowledge, consent, or any legitimate association with my person. 

In light of the severity of this matter, I would appreciate your urgent attention and assistance in fixing this situation. With your intervention, the necessary measures will be taken to restore my financial integrity and absolve me of any unwarranted liabilities stemming from this malicious act of identity theft.
Consumer complaint received 2020-11-11
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: EQUIFAX, INC. (MS)

Under 605 ( C ) running of the period, it is a violation to RE-AGED an account on my credit report, in hopes of keeping the negative item on my account. XXXX, Equifax and XXXX are in violation of the FCRA and reporting inaccurate information on my credit report. it is unacceptable and preventing me from being approved for a home. I have reached out to this company sereval times in the lasr few months and they are not doing their. I have found an FCRA attorney who says i can get {$1000.00} for each violation on my credit report. i have included my credit reports to show the violations.
Consumer complaint received 2020-11-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

XX/XX/XXXX I sent in a dispute to XXXX XXXX XXXX and didn't receive a response in over 35 days. On XX/XX/XXXX I sent a second dispute letter to XXXX XXXX XXXX and all 3 credit bureaus regarding a foreclosure that was opened in XXXX. My account has 9 inaccuracies. It is well over 30 days again and the account still has 9 accuracies and nothing has been updated or removed.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-11-11
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. (FL)

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 the 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 : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Consumer complaint received 2020-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

In XX/XX/XXXX and due to Covid, I contacted Capital One to ask for a lowered interest rate on my credit card. The current rate was 21 % and I have a credit score in the high 700 's. I was told I would receive a temporary rate of 7 % and that would only be effective until XX/XX/XXXX. As for XXXX Capital One has not lowered my rate to the agreed upon 7 % but they have lowered it to 15.4 %. Per my conversation with Capital One on our original agreement, not a single terms of use, APR rate changes or current rate of terms was ever disclosed nor did I approve or validate the 15.4 %. I was told I would have a 7 % rate. I contacted Capital on on XXXX and they refuse to acknowledge their mistake and informed me that they never have offered that 7 % rate and I was confused. I took detailed notes and let be clear, I was not confused in fact, I was elated due to Capital One being so willing to work with a customer that they have had for almost 15 years. It was unethical for them to falsify information regarding my interest charges. It was unlawful for them to not disclose the rate I would be charged at. Additionally I was told that my temporary rate of 15.4 % would only be good until XX/XX/XXXX, not XX/XX/XXXX like I was told per my original phone conversation.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

My account was said to be in forbearance during the 2020 Covid-19 Pandemic. 2 months later I checked my account XX/XX/2020 and it said it was past due. I immediately made a payment for the 2 months and then setup on auto pay. I am requesting this to be removed from my report immediately.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (OK)

My account was said to be in forbearance during the 2020 Covid-19 Pandemic. 2 months later I checked my account XX/XX/2020 and it said it was past due. I immediately made a payment for the 2 months and then setup on auto pay. I am requesting this to be removed from my report immediately.
Consumer complaint received 2020-11-11
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. (FL)

all my credit information is missing from Experian report. The others are fine. XX/XX/XXXX all was fine and even receive an monthly email that my credit score was XXXX. That week I was working with a bank on a mortgage and they tried to pull my credit. They told me there was a problem with experian. So i went online to my member page and seen all my information was missing. no accounts and no score. I called and they said they will look into it. mean while i locked all 3 credit bureaus. 5 days later nothing and i called back because i started getting spuff calls from ss office and police dept trying to get information out of me. I hung up and called that same police center and no such person or badge number. I called Experian back and no note in system. i was transferred to fraud dept. and was on the phone for 1 hour before i found someone that would help me. She told me that there was 2 people with same ss # and my stuff went to him. she even game me the name and sad she was going to send to data dept to fix. It would take at most 5 business days. at this point i locked all my accounts. 7 days later no call and information still missing. i called back and this time talked to another agent who read all her notes and said that Experian had split the data and its in another account.???. this would take XXXX business days ... .. 7 days later nothing and just called back again. a different person said need to rend to data dept to fix and they need another 5 days. mean while i lost that house i wanted and the interest rate besides not knowing what happened and why and who has my information out there.. very concerned!
Consumer complaint received 2020-11-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will fill for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation (MO)

RE : XXXX - ONEMAIN FINANCIAL XXXX XXXX XXXXXXXX XXXX ( E-CASE ) AND RE : XXXX - ONEMAIN FINANCIAL XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( E-CASE ) I can not find a better way to address this, as i have never received an Initial demand letter of any kind from this firm in relation to either of these cases. 

The firm did in fact violate FDCPA by filing both of these cases in separate courts and or counties and did so by never ( to this day ) having my corrected address. 

The firm never sent an initial demand notice providing me 30 days for a hearing, they never served me, nor did they serve a responsible party that would convey the signed affidavit waiving my rights and or that legal action was going to be taken against me. Case XXXX signed by " XXXX '' This person is not someone I would trust with my light bill, let alone a debt that is worth more than the vehicle I drive. 

The fact of the matter is that I showed up in court on multiple dates ( RE case XXXX ) to explain that I don't live in XXXX XXXX anymore, and im back in XXXXXXXX XXXX ... .. and the attorney never once stated i was already had garnishments executed against me XXXX RE Case XXXX ) AND that they are trying to execute a garnishment for a company I never worked for initially. 

-Harassing process servers influencing a roommate to sign for me, resulted in me never getting knowledge of the debt. 
-Never getting initial demand notice from collectors at ANY address. Including the newly updated address in the correct county - XXXX XXXX -Multiple attempts to hand attorney my new address when in court cases in XXXX XXXX XXXX try to assist -Communication several times with the firm that Bankruptcy was going to have to be the end result ( when I could afford it ) -The origin of the debt is of unsecured nature However, upon questioning the need for additional funds .One main had knowledge this was a purchase for an Engagement ring that is no longer / has not been in my possession for several years ( my ex fianc did not give the property back and sold it for a lessor value and kept the funds ) -See XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Never did I work there, and you all should have had returned mail for any address associated with that Credit union ( as this was a bank that held a lien for a prior repossessed vehicle ). 

The practices are predatory, and even to someone like me that knows the FDCPA you seem to be able to pull one over on the consumer by slide of hand. 

I tried to even provide this attorney my new address, and it was declined .... I can not believe you are allowed to deal this way.