davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I applied for Car Loan with XXXX XXXX a few weeks ago. Transunion put a fraud alert on my account without my knowledge. XXXX XXXX said that they could not see my credit report. I called Transunion and went on the website to take it off and reapplied. I received an email saying that it was off. When I reapplied, I had the same problem with XXXX XXXX just created XXXX inquiries on my credit report that were not needed because the fraud alert was still on there. I tried to correct the problem with TransUnion to no avail. 
Needless to say, I did not get the loan. I reapplied on the XXXX and still had problems.
Consumer complaint received 2022-04-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (TX)

On XX/XX/XXXX, I was trying to use Coinbase exchange to cash out but I didn't convert my ( XXXX ) hex tokens to XXXX before sending it to Coinbase and they will not send it back. Valued on XX/XX/XXXX to be {$3600.00}. Hex is a XXXX token and I sent it to my eth wallet by accident. I read that other exchanges will help the customer get their money back, but Coinbase will not. I reached out to Coinbase and it is support Case # XXXX -titled " sent upsupported XXXX tokens to my ethwallet. '' Coinbase responded " youve transferred any unsupported crypto to your Coinbase account, then there is no way to recover these assets. However, if a previously unsupported XXXX asset becomes available on Coinbase, then itll automatically be credited to your Coinbase account ''.. 


I submitted another ticket Case # XXXX -titled " sent upsupported XXXX tokens to my eth wallet '' and they responded " unsupported cryptocurrency to Coinbase or sent cryptocurrency to a wallet that isnt specifically for that cryptocurrency, we may soon be able to recover your funds. 

We're developing a service to help recover some of these cryptocurrencies, which should roll out later this year. For information about this service, see our help article : https : //help.coinbase.com/en/coinbase/trading-and-funding/sending-or-receiving-cryptocurrency/unsupported-crypto-recovery Before sending crypto to Coinbase, be sure to check if it's supported by visiting our Supported Cryptocurrencies article XXXX XXXX XXXX XXXX  Thanks, Coinbase Support ''. 

This happens a lot. There is billions of dollar being accidently sent to eth wallets accidentally and the funds get stuck in limbo. Is coinbase reporting these funds.
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (PA)

Sent documents to CB INDIGO/GFrequesting copy of contact with my authentic signature that started this alleged debt. Several months has past and never received contract with my authentic signature from CB INDIGO/GF.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

XXXX, XXXX, Experian XXXX XXXX XXXX To whom it may concern recently Made dispute with XXXX XXXX XXXX you replied back saying it was verified.. You Fail to send me documentation of the Description of the procedure or the re investigation by law.. This is a violation of of my rights.. 15USC section 602A states I have a right of privacy .15 USC 1681 604 A section 2 it also states a consumer reporting agency can not furnish a account without written instruction Also fail to send me signature of contract we agreed on You denied full validation that I requested by law. Please look in to this matter Cfpb XXXX XXXX XXXX
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Hello, I noticed two fraudulent transactions on my credit card the morning of XX/XX/XXXX - one from XXXX for {$380.00} and one from XXXX. I immediately called the customer service line to report the transaction. They opened an investigation for both transactions and closed my account. 

On the phone I told them that the person who used my credit card also used my email to file the order for XXXX and that if they recommended it I could just cancel my order from XXXX. They said I should do that so I ended up canceling that order. The XXXX order however I could not cancel. 

A couple days later the XXXX order showed up at my door. I immediately called their customer service line, explained the situation and they asked that I return the item to my XXXX  store. I informed them that I did not have the receipt but they told me that I should return the item and XXXX should know what to do. They told me that I should send them the proof at a PO Box address. When I went to XXXX, the manager was not sure how to best handle the situation. He just took the item back and gave me a piece of paper with his & someone who worked in Loss prevention as well as stating that I returned the item with his signature. He also refunded me {$5.00} since he could not do a {$0.00} refund. I mailed them all the proof and figured that would be the end of the situation but it wasn't. 

A few weeks later I get a letter in the mail saying my claim has been rejected since the " item was delivered to my address ''. I called customer service again and explained the situation. They reopened an investigation to come to the same conclusion. 

It has been months since the fraudulent transaction and they refuse to look at their call records or coordinate with other internal teams. I am now stuck paying almost {$400.00} for a TV I never bought and don't even have. After years of being a customer this has caused me to look elsewhere and begin the process of canceling my credit card.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to demand the immediate deletion of the following fraudulent accounts from my credit report. Their continued presence reflects negligence on your part and violates consumer rights. Rectify this immediately to ensure compliance with the law and restore the accuracy of my credit report. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX, Transunion, XXXX XXXX XXXX XXXX To whom it may concern recently Made dispute with XXXX XXXX XXXX you replied back saying it was verified.. You Fail to send me documentation of the Description of the procedure or the re investigation by law.. This is a violation of of my rights.. 15USC section 602A states I have a right of privacy .15 USC 1681 604 A section 2 it also states a consumer reporting agency can not furnish a account without written instruction Also fail to send me signature of contract we agreed on You denied full validation that I requested by law. Please look in to this matter Cfpb XXXX XXXX XXXX
Consumer complaint received 2022-04-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rock Creek Capital, LLC (CA)

Hello I received a collections filing on my credit report from rock creek capital. It was dated XX/XX/XXXX and I never received any letter about this debt or who the collection agency acquired this debt from. I believe it was supposedly on a company called x change leasing which leases cars and the car was taken back them and I never had the car for ownership purposes or making payment to own. Im not sure why they havent sent me any notices if this company the collection agency cant prove that I really owe the debt which I dont, this car was taken back XXXX, and its XXXX they want to put on my credit report as money owned. I refuse to pay.
Consumer complaint received 2022-04-18
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. (VA)

Equifax, XXXX, XXXX XXXX XXXX XXXX To whom it may concern recently Made dispute with XXXX XXXX XXXX you replied back saying it was verified.. You Fail to send me documentation of the Description of the procedure or the XXXX investigation by law.. This is a violation of of my rights.. 15USC section 602A states I have a right of privacy .15 USC 1681 604 A section 2 it also states a consumer reporting agency can not furnish a account without written instruction Also fail to send me signature of contract we agreed on You denied full validation that I requested by law. Please look in to this matter Cfpb XXXX XXXX XXXX
Consumer complaint received 2024-03-11
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. (FL)

this is not validating proof you requested for vertification of proof and i am sending you my ID. Your company has violated the FDCPA By furnishing deceptive froms and compiling information to make it as it is mine. your company is also violationg the FCRA you are reporting this account on my credit inaccurat and incomplete. 


your company is causing damage to my reputation emotional distress anxiety and defamation to my characted Please delete this account, XXXX AND XXXX do not reflect it on my credit only treansunion and i will seek legal help if this is not remvoed because it is still showing on my report. 

account name XXXX XXXX  account - # XXXX ID ATTACHED - ACCOUTN ATTACHED.
Consumer complaint received 2022-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: States Recovery Systems, Inc. (NY)

I have been a victim of identity theft since XXXX and my personal information was used by someone else to open more than XXXX credit card accounts. I found out about this in XX/XX/XXXX, filed a police report and imposed credit freeze. Nearly all of the fraudulent accounts opened under my name used an address in California. I've never lived in California and my only address from XX/XX/XXXX to XX/XX/XXXX was XXXX XXXX XXXX XXXX XXXX KS XXXX. So far I've successfully removed most of the fraudulent accounts from my credit report by filing disputes through the credit bureaus. I've also filed dispute with States Recovery Systems. Inc XXXX XXXX XXXX. XXXX XXXX CA XXXX, but they kept asking for payments even after I sent docs including police report and my DL to prove that I am ID theft victim. The balance on the account they are trying to also has an address in California. It appears to me they did not try to validate the information on this account.
Consumer complaint received 2022-04-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Associates placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtors in writing before placing account on consumers credit report. XXXX
Consumer complaint received 2022-04-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2022, I received a notification from Experian that my email address has been modified. Following that email I tried to log into my Experian account and received an error message that my log in credentials has changed. 

I've contacted Experian and was not able to resolve this issue. I can no longer get into my account and there is no way to reach a specialist according to their automated system.

Experian I believe are involved or hacked into.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act, the list of account inquiries below have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXXXXXX XXXX date XX/XX/XXXX and XX/XX/XXXX XXXX  date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2022-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (IN)

My XX/XX/2022 payment was sent by my bank, XXXX XXXX on XXXX. BSI did not process it until XXXX and then assessed a late fee to my account, the grace period ends XXXX. After speaking with BSI 's customer service representative, they acknowledged that the problem was internal with BSI and the fee would be removed. I can again provide proof payment was sent with ample time to avoid any late fee if necessary. Additionally, there is no simple way to communicate with them. The only way to email is to use a link on their website that does not provide proof the email was even sent, and they have never responded to the multiple emails I have sent. Phone calls are meet with hours of hold time.
Consumer complaint received 2021-02-19
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: WELLS FARGO & COMPANY (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and XXXX XXXX  and Wells Fargo. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is Wells Fargo Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. The Account Opened is Wells Fargo Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2022-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

2 fraudulent checks were written against my Bank of America account on XX/XX/XXXX. We called the bank XX/XX/XXXX, as soon as we saw the pending transactions. We reported both checks as fraudulent, one for {$4400.00} and one for {$13000.00}. Bank of America filed our claim for fraud and said it would not be a problem to get our money refunded. They processed the refund for the {$4400.00} but not the bigger one. When we called again 3/15 to check why we hadn't gotten the rest, they said we didn't claim both transactions as fraud so they opened a new claim for the {$13000.00}. We have since called numerous times, and they still haven't refunded our money. They gave us {$5000.00} as an advance on the future refund, but we're still short {$8300.00}. They keep giving us timeframes on when we can expect further action, then not making any progress as those dates come and go. I really need my money back.
Consumer complaint received 2022-04-18
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 sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-18
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)

inIn accordance with the Fair Credit Reporting Act. The List of Accounts Violated My Federal Rights protected by privacy and confidentiality under 15 USC 1681 XXXX  Account # XXXX  15 USC 1681 SECTION 602 A 1-STATES I have the right to privacy 15 USC SECTION 604 A SECTION 2- Also states a consumer agency can not furnish an account without written permission instruction 15 USC 1681c ( a ) ( 5 ) Section2- States no consumer reporting agency may make any consumer report containing any of the following items or information or any adverse item of information other that records of convictions of crimes which antedates the report by more than 7 years 15USC 1681s ( 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 its inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-18
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. (AL)

In accordance to the fair credit reporting act the account below has violated my rights under 15 usc 1681.

AccountXXXX Also has violated my rights under 15 usc 1681section 602 A 15 usc 1681 section 604 A section 2 15 usc 1681c ( a ) ( 5 ) 15 usc 1681s-2 ( A ) ( 1 )
Consumer complaint received 2022-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

{$1300.00} was taken from me and it was not authorized on XXXX/XXXX/2022. It was for airlines and the company name is XXXX  XXXX. Chime has lead me on in to thinking a real investigation was happening, but after making me wait weeks to tell me it was not an error, i am extremely disappointed. I have been stolen from before, a year ago. XXXX XXXX handled it way better. the second transaction was blocked and the small amount was refunded. I've learned the hard way my money is not safe with chime. I will not be using chime anymore, because the safety of my money is worth more than getting paid a day or two early. now im at a loss of {$1300.00} that i will never get back
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC (NJ)

I had made a purchase at XXXX for a couch using Genesis credit card on XX/XX/2022. The couch was lost in transit. I asked for a full refund, as the item was no longer available. the refund was processed XX/XX/2022. 

XXXX provided bill indicating Genesis Credit Card, received the payment back. 

I called Genesis credit card to ask why do they keep charging me for a credit that was already paid back in full. 

I sent Genesis Credit Card a Fax with the bill confirmation that they accepted the payment from XXXX. 

Genesis, says it takes them about XXXX weeks to received a fax. I called and still no update. So, I mailed in all the documentation including, proof of fax, proof of payment return, email confirmation from XXXX. These documents were mailed to their address : Genesis FS Card Services, po box XXXX, XXXX, XXXX XXXX via certified overnight mail and they received it XX/XX/2022. 

I keep calling and they see a dispute has been open and they always place me on hold for over an hour every time. Basically, until I get tired and hang up.
Consumer complaint received 2022-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc. (TX)

! n accordance with the Fair Credit Reporting act The Bureaus acct XXXX and XXXX have 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 instruction The Bureaus has been sending me collection notices in the amount of {$630.00} and {$730.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-04-18
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.