davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (ID)

On XXXX I was notified by Coinbase that an unauthorized transfer of {$1000.00} was unsuccessful and that I had to act immediately to fund this action. So I transferred the {$1000.00} and contacted Coinbase to explain that I did not make this transfer and that it came from their end. Coinbase locked my account out of XXXX. Coinbase told me to make several security measures and then they would unlock my account. I did. Since then I made requests to explain the unauthorized withdrawal and to unlock my account. No one has ever responded to multiple request including a close account request. Coinbase has refused to communicate or explain why I am out {$1000.00} or unlock my account. I mailed XXXX XXXX CEO of Coinbase of the circumstances regarding this indefinite unlawful lock out and non-responsive customer support as well as the multiple class actions against Coinbase for the same issue. 
No one has responded and I am still locked out.
Consumer complaint received 2020-04-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I was on a repayment plan with Loancare and called on XX/XX/XXXX to try and make a payment. I was then informed that they never received my XXXX payment ( which was very confusing ) and that I was kicked off the payment plan in XXXX. I escalated the call to a supervisor name XXXX and was informed that my payment arrangement was setup incorrectly and that some of the money went into Escrow instead to my payment. I was then informed that he was going to correct the mistake and place me back on a payment plan. He will call me back shortly. I called back the next day just because something was telling me to make a payment anyway. When I called back I was informed that I shouldnt make a payment because they didnt want it to go into Escrow again and make things worse, to wait until XXXX called me back and he will fix it. I was told that XXXX was going to make sure it didnt go into Foreclosure ( per his notes ) and was going to call me by Tuesday. When I didnt here from XXXX XXXX called him back on Wednesday. He informed me that my account was sent to Foreclosure on XX/XX/XXXX and the only options that he could provide me was to do Loss Mitigation or come up with two lump sum payments which I agreed to the 2 payments. He called me back and informed me that XXXX XXXX from the default resolution department would be calling me to get the 2 payments set up and to place the XXXX payment on a payment plan. I never received a call from her even though she noted that she called. I called back on a Monday and she informed me that she cant do the 2 payment option. I asked her why did they even give me that option if they werent going to honor. I called back to try to escalate the call again just to see if they would honor what they told me. I spoke to a supervisor in collections name XXXX, she read over the notes and told me not to worry about it she will get it all straightening out. She said she will either have XXXX call me or she would. I havent received a call from neither one. Every time I call no one return my calls. I feel like all this was done on purpose to make me lose my house and put me into Foreclosure.

Loan # XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
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. (NH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX, Account # XXXX, 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 an account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2020-04-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (LA)

I purchased a car in XX/XX/XXXX from XXXX for {$21000.00}, {$4000.00} down payment whereas on paperwork it states {$400.00}. I made 71 payments totaling {$35000.00} with maturity date being XX/XX/XXXX. I went over account summary and every payment went towards interest and not principle. Santander insist I still owe {$12000.00} after paying on this car for the last five years. I feel discriminated because there is no way I should have to pay {$50000.00} for a {$21000.00} car. I started making 2 payments per month since XXXX and still owe {$12000.00}. This isn't fair to hard working single people. please help me with this case.
Consumer complaint received 2022-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I placed an order from XXXX ( order no. XXXX ) in the amount of {$150.00}. When purchased the item was on backlist and on delayed delivery according to the website at that time due to XXXX. Despite several email inquiries with gym tech, the item has not been shipped or refunded. On or about XX/XX/XXXX, the company responded to my email stating that I should receive the item in the next weeks. I have not received the item and Chase/XXXX  has declined my claim dispute because of it being over 90 days. A look at their XXXX site would demonstrate that their are others in my position who order items last year and still have not received the item. Chase refuses to assist with my refund despite this companys history of accepting payment for non delivered merchandise.
Consumer complaint received 2020-04-06
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. (CA)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is reporting a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-03-18
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. (NY)

In accordance of the fair credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have rights to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-07
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. (CA)

On XX/XX/2023, I sent my letter to EXPERIAN, A consumer reporting agency, in regards of validating 3 student loan accounts that were recently removed from my report and reinserted. After review of the accounts, I asked for a proper investigation to validate the accounts and alleged debt due to errors I noticed. I have attached the letter that was sent via certified mail with the tracking number XXXX XXXX XXXX XXXX XXXX. 

According to the FCRA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through interviews with neighbors, friends, or associates of the consumer reported on or with others whom is acquainted or who may have knowledge concerning any such items of information. 

They stated that the account was verified without conducting a proper investigation as required by the law. In addition, the information on these accounts are still not 100 % accurate, in which, hereby triggers a violation pursuant to 15 USC 1681. 

It is a requirement of law that the consumer reporting agency 's assure accuracy and error free consumer reports. It is their grave responsibility to do so according to 15 USC 1681s-2. They have failed to meet the requirements herein, which makes them civilly liable according to 15 USC 1692k or criminally liable. They are conveying false information on my consumer report after being notified multiple times that the information was not accurate which violates 18 USC 35. In addition, the accounts were still reporting while the dispute was taking place which is a violation of 15 USC 1692e. I am asking for remedy due to the blatant disregard for the requirements of law and my rights as a consumer I have suffered an extreme amount of harm financially, physically, emotionally, and mentally due to these inaccurate accounts being reported for years. I have been denied housing, personal credit, business credit, and the basics to live, all while applying in good faith. I asked for a proper reinvestigation and for the company to remedy the situation monetarily as I deserve it. I've reached out numerous times and they disregard the Code of Federal Regulations as if it does not matter. My rights are being violated as a consumer and I had no fair chance. I have the credit report and other proof that these accounts are not being reported accurately. 

Account ( s ) Name : Account # : 1 ) US DEPT OF EDXXXX XXXX XXXX ) US DEPT OF ED/XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (MN)

Business : TD Bank Law Violations : 1. FBRA violation, TD Bank reported a debt from XXXX XXXX  to the major credit bureaus for a product that was never shipped, and never received by the customer. 
2. Billing customer for the order, and Unwilling to file a claim for the client to remove the charge when requested ovdr the phone. 
3. Use of dismisive language, unwillingness to help client even after client offered XXXX  solutions XXXX as picking up the item from a retailer. 
4. Use of dismisive belitteling language with the customer.Unwillingness to correct the issue.
Consumer complaint received 2022-04-15
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. (TX)

XXXX XXXX XXXX XXXX and Experian need to send proof. For 5 years I have complained that XXXX XXXX XXXX XXXX ( XXXX ) and Experian did not have permissible permission to have accessed my credit report in XX/XX/2017. This would have stopped the fraudulent loan from going forward. For 5 years I have requested copy of their permissible permission used as evidence to have accessed my credit report. For 5 years Experian has passed the buck to XXXX and replied We contacted the data furnisher ( s ) or public record ( s ) vendors and asked them to verify the accuracy of the information with which you disagree. They responded and stated that the account is to remain as is. Experian and XXXX have yet to send what I requested as proof for Experian and XXXX to access my credit report in XX/XX/2017.
Consumer complaint received 2022-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (DC)

Two issues. I deposited a {$620.00} check on XX/XX/XXXX and rather than return the check to me so I could have the payer reissue it properly addressed.Truist Bank launched an investigation and determined my {$620.00} deposit would be possibly available to me as early as XXXX. In the meanwhile there was an unendorsed fraudulent check for {$4900.00} deposited in my account. The Bank caught this and blocked my account. This is the ONLY reason I went thru several weeks of them sending the {$620.00} back to the maker to reissue and close my account. However, the bank refused to give me the remaining balance; charged me {$12.00} for processing the {$4900.00} fake check and to date has launched another investigation than could take up to 6 weeks to determine if I should have my account balance of {$26.00} less the {$12.00} fee for processing a check I had nothing to do with. This after Truist had me sign a ( notary public ) affidavit concerning this fraudulent check. As of today it was unclear if and when my small amount would be returned to me.
Consumer complaint received 2024-02-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: AUTOMOTIVE CREDIT CORPORATION (FL)

Thank you for your computer generated offer. I conditionally accept your offer to pay the entire indebtedness ( twice ) the least on proof of claim, return of my ( ORIGINAL ) instrument ( s ) ( NOT COPY & # XXXX ; XXXX ) and your authority to demand another presentment IF the previous debt TENDERED was REFUSED! You were TENDERED Bill ( s ) of Exchange ( s ) pursuant to Title 15 31 USC 5118 to settle the account.

- HJR-192, Public Law 73-10 and Title 31 USC 5118 prohibits Banks/creditors from demanding any specific specie of payment. All Banks must process lawful United States currency. Failure to do so is & quot ; interference with commerce & quot ;, a felony under the RICO ACT, 18 USC 1951. If you believe you have a lawful reason to & quot ; Dishonor & quot ; this negotiable instrument you must return it to the Agent above wi.th, ) awful reason ( s ) fully stated and cited.
Consumer complaint received 2019-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TH Professional & Medical Collections LTD (IL)

I called XXXX XXXX XXXX XXXX XXXX XXXX to pay {$79.00} debt. Then they tried to say I had over {$2500.00} in debt. I asked them to prove my debt by telling me what it is and mail it to me. Then they said they forgave my debt, removed it and only charged me {$79.00}. This XXXX said my debt has been erased and they gave me back all of the {$250.00}. Well, I called my bank and they said they took all XXXX! I asked XXXX again from this so called debt agency to mail me a copy of all my debt I owed. She asked why did I need it, if they dropped all of it? She put me on hold and never came back. I recorded the WHOLE. Conversations! I let her know that, she started freaking out my doctors office, XXXX, the radiologist that this bill Supposedly came from, they said is not real. They said I do not owe any money because of the fact I have Medicaid and they dont charge anything. The radiologist want to see copies of what I/ supposedly came from, they said it is not real. They said I do not owe any money because of the fact I have Medicaid and they dont charge anything. The radiologist went to see copies of what I owe. I told her this. She would not comply. I have proof they put a false {$79.00} charge on my credit! They tried to get me to call this fake number - XXXX, this is NOT XXXX XXXX   XXXX  XXXX its a XXXX number. I called the real number and they saw I am a patient, but I owe NOTHING! They said I need to report this fraud! Why offer to drop my debt and give my money back, if I really owed money?!? They put this on my credit report, making it drop over 45 points on purpose. By making it XXXX hoping I would pay it, but can not provide my bill because there is no bill. This needs to be taken on my credit report. Its a scam! 
This happened today. They put it on my credit report XX/XX/2019. Saying its from 4years 10 months ago. ( Not possible to have XXXX in charges, Illinois Medicaid does not charge a deductible ) XXXX said they gave back the money, but XXXX said the stole it. 
I have her recorded on video, it shows her number, me calling and her saying shes taking this debt off my credit report and giving the XXXX all back. I can play it to anyone that wants to hear it.
Consumer complaint received 2022-06-03
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)

Hi I am submitting this XXXXXXXX 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-04-06
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. (MD)

XXXX XXXX ( Account number XXXX ) is a XXXX XXXX that my daughter had and that has been placed on my files. I never signed an agreement for this XXXX XXXX. 

My daughter had me added as a person able to use the XXXX XXXX. PERIOD. I contacted XXXX XXXX and spoke to a representative. XXXX has no information on me other than my name. No address ... no phone number ... not my social or identifying information. This proves that I did not sign up for any liability on this debt. I explained the situation to the representative and asked her to provide a copy of any document I signed that would make me liable for this debt. She hung the phone up on me. 

I disputed this with the credit bureaus and they left it on my file.
Consumer complaint received 2020-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (LA)

Over the past XXXX weeks since XXXX  has been under a stay at home order due to the CoVid19 pandemic I have been unable to work and have contacted Rushmore Loan Management on multiple occasions to try and arrange a deferrment/forbearance option. Even though XXXX has declared XXXX a federal disaster state, they are still not offering me any relief on my mortgage that they bought from XXXX XXXX XXXX  months ago.
Consumer complaint received 2020-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I tried to Remove XXXX XXXX from my Paypal account, but got an error message. I immedately contacted support. I had a XXXX week conversation via XXXX XXXX with Paypal trying to get the account removed. They asked me to change browsers and repeated info in the FAQ and they tried but the account was never removed. 

About a week later Paypal charged the account that I asked them remove XXXX weeks ago and it created XXXX nsf charges totalling XXXX and they are refusing to refund the charges. 

The issue was reported to XXXX ID is XXXX. Additionally he refused to help me and answer questions about my account.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX XXXX