davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (DE)

Coinbase has locked my account which is stopping me from making any transactions. According to them, I registered in XXXX and am a XXXX, which is wrong. I am an American. When I upload documents ( ID, utility bills ) to verify that I am in fact who I say I am, the verification does not work. The only explanation I have ever gotten is that I am not being verified because my documents are not XXXX, which is maddening because my verification was to prove that I am American. 

This has caused me to lose hundreds of dollars because I have been unable to sell assets before the assets depreciated.
Consumer complaint received 2019-10-13
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. (TX)

I have requested that Transunion provide me with information about the company that is saying I owe them. They told me that the company verify that I owe this debt. I asked them to provide my signature or identification number since most department stores have to provide this information. They told me that I need to contact the company. I also asked them how did they verify that this item belongs to me. I have spoken to a live agent and explained to them that I have been in their system since 1993 which I was only 13. I told also told them that my file was mixed with someone else could they add my middle name to prevent this from occurring. I have sent several letters requesting the have 30 days reply I just received a letter saying it was verified
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (GA)

On XX/XX/XXXX, My account with MILITARY STAR was transferred to their collections department ( XXXX  ). 
On XX/XX/XXXX, I paid the collections in full through XXXX. 

Upon comparing my XXXX consumer report, MILITARY STAR is currently reporting as closed however the current payment history is reporting active collections. How is this possible when the account was paid in full through collections ( XXXX  ) and closed? 
How can a closed and paid off account still actively reporting? 
This a violation of my consumer rights pursuant to 15 USC 1681 Upon comparing my XXXX report, MILITARY STAR is currently reporting as closed however currently reporting on time payments. How is this possible when the account was paid in full through collections ( XXXX XXXX  and closed? 
How can a closed and paid off account still actively report? 
This a violation of my consumer rights pursuant to 15 USC 1681 Upon comparing my XXXX XXXX report, MILITARY STAR is accurately reporting as closed/paid and no payment history. This further proves the inaccurate reporting to XXXX, and XXXX.
Consumer complaint received 2022-05-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MN)

Hello, I sold and closed on my house on XXXX XXXX,2022 and have been trying for nearly 8  weeks to get a refund of my escrow that was held by Wells Fargo XXXX 
First I was told it takes 20 days before a check would be issued. 
Then I was told it was delayed 2 more weeks because of their mailing cycle. 
Then I find out they " sent the check to the home I just sold '' and it would be another 2 weeks. 
Then told they would cancel the check and direct deposit to my non Wells Fargo account and still nothing ( XX/XX/XXXX22 ) Then today a week later no deposit, called to get status and told they don't wire funds to non wells fargo account and another check was issued on XX/XX/XXXX. 

1 ... I can't get a manager to find out what happened to my personal banking information 2. I still do not have my money and at almost 8 weeks post close I am entitled to interest. 
3. I have no confidence that I will see this check. 
4. I offered to pick it up from a Wells Fargo office. 

I am doing all the work and getting zero results. 

I am frustrated and angry and want my money now. 

Thank you for your consideration, XXXX XXXX
Consumer complaint received 2022-05-24
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: Upgrade, Inc. (NJ)

This is a credit card or line of credit and it moves my utilization to 102 % which is highly negative because they don't show the limit. I've provided the attached from Upgrade and they continue to state that it reports properly. I currently have a limit of {$8300.00} ( which XXXX reports as {$0.00} ) and utilization of {$7500.00}. This wrong reporting seriously damages my credit score. 



Account info Account name UPGRADE INC Account number XXXX Account type XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$8300.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$460.00} Credit limit - Highest balance {$9000.00} Terms 1 Months
Consumer complaint received 2022-05-24
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. (SC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge nor did I apply for these credit accounts. I ask that the items be deleted to correct my credit report. 
I have reported the theft of my identity to the Federal Trade Commission, I have also informed all credit reporting agencies, will be requesting a fraud alert, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-12-06
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. (PA)

Me and my dad have the same name he is XXXX, and i am the XXXX. He has an account with XXXX XXXX XXXX XXXX that is in collections and showing up on my report.
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NC)

I had 3 accounts opened in my former name @ TD Bank. I am still getting statements and overdraft statements. I received 2 certified letters for the first 2 accounts and I thank you, and would like to try to get the last accounts closed.
Consumer complaint received 2022-05-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (CA)

On XX/XX/22 I changed bank accounts and its linked to my old bank account Ive done a support ticket and posted on social media to discover hundreds of others have same problem. Ive responded to the ticket several times and still today my old banks connected and my perfect payment history is now 90 % on time and my credit profile is 30 years thick. 

Late fees and interest charges should be credited I typically take home $ XXXX per week. I also have a credit line with the other bank that would of allowed me to pay this off but they only allow what available balance is in checking account to be paid. So I was forced to make dozens of small payments because they take over a week to withdrawal
Consumer complaint received 2024-03-14
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-24
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. (IL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately :
Consumer complaint received 2022-05-24
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)

This is a credit card or line of credit and it moves my utilization to 102 % which is highly negative because they don't show the limit. I've provided the attached from XXXX and they continue to state that it reports properly. I currently have a limit of {$8300.00} ( which Experian reports as {$0.00} ) and utilization of {$7500.00}. This wrong reporting seriously damages my credit score. 



Account info Account name XXXX  XXXX Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$8300.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$460.00} Credit limit - Highest balance {$9000.00} Terms 1 Months
Consumer complaint received 2022-05-24
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-24
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. (KS)

I recently pulled my credit report and noticed the following errors hurting my credit and good character. I know it is my write to dispute this inaccurate information and have a reasonable investigation performed to remove the item. 

XXXX XXXX Account number ( XXXX ) ( XXXX ), Delete this charge off because you are reporting the date of last active, XXXX as XX/XX/XXXX Experian as XX/XX/XXXX. also the account numbers are different on each report. 

XXXX Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX  XXXX Account Numer ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

XXXX XXXX Account Number ( XXXX ) the date of last activity is reporting inaccurately. 

attached is a copy of my credit report highlighting the inaccuracies noted above regarding my credit report.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2022-05-24
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. (AZ)

I made monthly payments on a car that was totaled and mostly paid off by my insurance shortly after purchasing. I contacted the financing company prior to the final payment that was due where I was informed that they were still charging interest on a vehicle that no longer existed and would receive a large refund and did not owe the final payment. This was XX/XX/2019. In XXXX of 2019 a very rude woman called me from a collection agency demanding I pay the final payment, I attempted to explain to her that I did not owe it and XXXX owed me , she insisted I tell her where the vehicle was, which I stated in a junk yard somewhere now owned by XXXX as it was totaled a year prior, she was beyond ridiculous insisting I stole a destroyed car. I then called XXXX who apologized and said they would handle the situation. About a week later I received a check in the mail for approximately {$1400.00} from XXXX for the extra $ I had overpaid them over the remainder of the car loan. They are still reporting that final payment was 30 days late, when obviously it was not. 

I need this lifted from my credit asap, it has been affecting my abilities to raise my credit score, my abilities to re-finance my new vehicle and more. Im tired of paying a price for something I did not do. Thank you for your assistance in this matter.
Consumer complaint received 2024-03-13
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. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-05-24
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-04-22
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. (MO)

I opened an installment loan in XXXX of 2021, with XXXX  XXXX XXXX, which is located in XXXX, MO. I have never been 30 days late on the account, and I have that in writing from the branch manager. The was reporting on-time payments, but the payment history on my account changed. I did not stop making payments. The manager at this location, XXXX told me the wrong amount to pay which has ruined my credit. I was denied a job, due to her negligence. I have six other loans, and two mortgages, besides this loan, and have never been 30 days late. I went into XXXX  XXXX on XXXX and paid off my account. The manager apologized for telling me the wrong information, but that does not fix the issue on my credit. I am XXXX XXXX  and educated. I have worked very hard, and I will take legal action, if this issue is not resolved.
Consumer complaint received 2017-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

While I was overseas and traveling for the past few years, someone opened up a few credit cards and a checking and savings account with Capital One. There was a balance ran up of about {$5000.00} on a {$7500.00} credit limit card. I was able to get the account closed down yesterday but it still caused issues with my credit.
Consumer complaint received 2022-05-24
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)

Equifax has failed to separate my information from my siblings. Equifax disputes were previously submitted ; however Equifax has failed to correctly fix the disputes. My siblings and I have similar names, but separate dates of birth and separate social security numbers. In 2020, I called Equifax 's number in order to obtain a copy of my free credit report before applying for a loan. The Equifax automated system pulled my information and the credit report was sent. After I received my report, I applied and received a loan through XXXX XXXX XXXX XXXX. The loan through XXXX XXXX XXXX XXXX was successfully paid off, and I was in good standings with XXXX XXXX XXXX XXXX. 
My sister recently, created a MyEquifax account using all of her personal details. After the account was created, she noticed that all of my personal information displayed under her newly established MyEquifax account. Since then, several disputes were submitted, and Equifax failed to resolve the issues my separating our details as well as correctly attaching the correct social security number to the correct person. Somehow, Equifax has merged our personal details, and we really need this fixed accordingly. 
There a several disputes with Equifax that are listed on my sister 's MyEquifax account. Both of us tried to get this corrected. Equifax also inaccurately placed my disputes under her username and login information. The disputes listed were not resolved correctly by Equifax. The Equifax dispute numbers are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. We have also disputed and escalated our concerns and the file confirmation numbers are : XXXX and XXXX. Equifax has given us the run-around. This is causing me financial hardships.
Consumer complaint received 2019-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

i put furniture for sale on XXXX XXXX. XXXX contacted me stating he was moving from colorado and his company was paying for the relocation. He emailed me a check of XXXX and he instructed me to deposit it to my account via my XXXX XXXX. He asked me to pay his " movers '' and for me to keep the {$700.00}. He asked me to send {$1400.00} to his movers via XXXX at email XXXX and he confirmed with me movers would be at my house sunday for pick up. Sunday came around and he texted me that afternoon he son was in the hospital, needed emergency XXXX and will not be relocating at the moment. I told him i would send him back {$700.00} for his purchase. he asked me to send XXXX via XXXX to XXXX, in which i did.Five days later the check bounced and the bank took XXXX and is not considering it fraud because i was the one who deposited the check. Chase has not been helpful at all in my situation. Check Issued was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX BANK IS XXXX XXXX XXXX ACCT # XXXX. I DONT KNOW IF ROUTING # ARE XXXX OR XXXX ( both are on the bottom of the check )